Marla Janzen is an award-winning Saskatoon Realtor she takes action to sell her client's homes and find them the perfect new place to live while negotiating the best terms and price possible. She loves what she does and takes great pride in providing excellence in customer service to all of her clients. Marla Janzen is a Trusted Saskatoon, Warman and area Real Estate Expert listed on the Saskatoon Real Estate Category on the Saskatoon Directory and she loves to provide Saskatoon real estate Tips that help and assist the public! In the latest news from Marla Janzen, Trusted Saskatoon Realtor® shares a tip about negotiation advantages
Gain Negotiating Advantage When Buying
Buying a property requires good knowledge of market conditions, personal finances and the ability to judge what a good investment is. Being able to negotiate realistically is equally important when you decide to make an offer. You should be well prepared before you are actually in the position of preparing a formal offer to purchase.
Look at the long-range prospects of your borrowing commitment. During a period of low interest rates, you should take into consideration whether or not prices are expected to increase in the future. Consider locking in at a reasonable rate for the opportunity of a significant gain in the future.
How Much Can You Afford?
Before you go into the market to look for a house, review your current spending and loan commitments. A mortgage lender will use a ration of about 30% of gross income as the amount of mortgage you can carry. If you review your finances beforehand, you will have a good idea of your own capacity. Property tax is an additional cost that must be factored into the equation.
Once a price range for your prospective home purchase has been settled, the next step may be locking in a mortgage interest rate with a pre-approved mortgage. When you know you are already approved for a mortgage, this will increase your comfort level at the negotiating table. To arrange a pre-approved mortgage, you meet with a lender who will confirm your borrowing capacity, perform the required credit review and make an agreement to honour a particular interest rate for a specified time.
If there is an existing mortgage on a property you are selling, or on the one you are looking at, there is more to consider than the balance outstanding and the interest rate. Be aware of any pre-payment terms. If your mortgage is open, you can repay it at any time without penalty. However, your lender may have "lock-in" clauses. These may include payment of a bonus or the lender's interest revenue loss for the balance of the term should you repay early. Clarify all of this with your lender.
One very important feature is mortgage portability. That means you can transfer your existing interest rate, loan balance and remaining term to new mortgage without penalty, although there may be some restrictions. Be sure you understand what they are before you get into negotiations. Your REALTOR®
has the expertise to help guide you through the negotiation process, keeping your best interest in mind.
The Trusted Saskatoon Auto Repair & Service Experts at Phobia Auto are based in Martensville and they are a Trusted source for honest advice and qualified auto service and repairs. People ask all the time how the price of an auto repair is determined, usually phrased something like, "Why does my car repair cost so much?" This is a question worth asking, especially if you've been given a repair quote that runs into the hundreds or even thousands of dollars. Steve at Phobia answers the question in this auto tip!
Why Can Shop Rates Be So Expensive?
Today’s vehicles are not what they used to be. The average vehicle today had dozens of modules and computers. Training on these takes countless hours and often cost a lot of money. In training, technicians learn about manufacture specific software, and the diagnostic tree for that specific vehicle. Because no two vehicles are the same (rolls such as storage, temperature, road type, driving style, towing etc play a huge roll in wear and tear on a vehicle) Diagnostics on a particular item can be difficult without the proper training. Because every year manufacturers are trying to make vehicles more reliable, safe and efficient, the evolution of vehicles is changing rapidly. It’s important to keep the latest software and training up to date.
A shop that specializes in a particular area usually charges higher labour rates for their service than a general service shop. While a specialist may charge more, this type of shop can often wind up being cheaper in the long run. A specialist is more likely to diagnose and repair a problem in a laser-like fashion, fixing the vehicle in less time and using fewer new parts. Shops unfamiliar with a type of problem can end up muddling around, wasting the customer's money on unnecessary parts and long hours of labour just trying to find a solution.
The Trusted Saskatoon businesses become Partners with a contract, and they become part of a community. In a community, we all have our parts to play to ensure the directory maintains the standards and high level of integrity that it does. To ensure that our partners are upholding these guarantees on a daily basis we have a MYSTERY SHOPPER PROGRAM, where normal everyday people mystery shop our Trusted Saskatoon Partners. We then get our mystery shoppers to fill out a report to tell us about the experience!
Whether you’re buying a house for the first time, the second or the seventh time, it’s still one of the biggest decisions you ever have to make. In order to ensure sheer success, you need a Trusted Saskatoon Realtor like Clark Dziadyk! Clark will ease your mind by taking the pressure off of you to find your dream home! Clark puts 100% effort into everything he does.
Clark Dziadyk - Trusted Saskatoon Realtor- Mystery Shop
TRUSTED COMPANY: Clark Dziadyk - Realtor
Date: April 12, 2019
Name of Shopper: Stephanie
Mystery Shop Checklist
1. How was the greeting/ welcome/ call answered?: Fantastic! I emailed him, he called me back while on holidays.
2. If retail: Appearance of the store/staff and showroom?: N/A
3. Product/industry knowledge of staff?: Excellent.
4. If a quote is required is the quote well laid out/ clear?: N/A
5. Did they ask where you found them?: Yes.
6. Overall experience 1-10: 100.
7. Would you return as a customer/ recommend them to close friends?: Absolutely!
8. Did anyone stand out as exceptional? If so who? Why?: Clark Dziadyk - see attached.
9. If you made a purchase/booked a job how was the process? Yes.
If so refer to the Trusted Guarantees and give an overall mark on each if applicable.
1. Provide the service and quality promised. 10
2. Complete the job on time. N/A
3. Charge the price quoted with NO surprises. N/A
4. Communicate honestly and be responsive to customer needs. 10
5. Resolve any issues with customer satisfaction in mind. 10
Please share any other comments relating to your experience with the company.
Throughout my time with Clark, he has continuously wowed me. Not only as a realtor but also as a person. He is one of the most genuine, decent, selfless human beings I have ever met! From the very first call... which he made to me while he was on holidays within a few hours after my initial email to him... I knew I was in excellent hands. This man definitely picked the right career path. I felt as though he just "got me." Pretty sure he knew which home I was going to pick before I even did. I would be so lost without Clark... things I wouldn't have thought of, he did. His commitment to ensuring due diligence was... wow! He continually kept me updated, he knew what I needed before I did. He's professional, calm (which kept me calm haha,) and he always kept my best interests at the forefront of everything! The end result is I got the house I wanted, at the price I wanted, with a sweet bonus that would have fallen through if it wasn't for Clark! I am so incredibly thankful for him!
"The Realtor® in Your Neighbourhood"
Purchasing your home is one of the biggest and most important decisions that you can make. Tammy Wandzura a Trusted Saskatoon Mortgage broker and the team at Elite Mortgage Choice believe that buying a home should also be an exciting experience with little to NO stress. By trusting your Mortgage Broker, you are ensuring that any stress you may have had in previous encounters can be eliminated!
Tammy truly believes that all you should have to worry about is opening the door to your new home for the very first time. In her latest mortgage article, Trusted Saskatoon Mortgage Broker, Tammy Wandzura discusses why you should hold off on buying that new car if you are looking to buy a home.
1st Time HomeBuyer- Hold Off Buying The New Car!
Thinking of starting the house hunting process?? Did you know that a vehicle payment can significantly affect your ability to qualify for a mortgage? Buy The House and THEN The Car " Tammy Wandzura
Federal mortgage guidelines require that your income can handle all of your debts (that you currently have) PLUS the new mortgage payment, property taxes and heat payment. The NEW mortgage rules are more strict and rigid than ever - and require you to be very conscious of what your debt load looks like.
If you have a car payment of $500/month - that is $500 a month less that can go towards your mortgage payment and expenses. If you have a BIWEEKLY car payment (a biweekly payment comes out of your account every 2 weeks) you make a payment 26 times in a year. If your car payment is $200 biweekly - that does not mean you are paying $400/month... it means you are paying $433.33/month. This is the number the mortgage company will use when calculating your debt.
1. If you have a car payment of $433/month AND assuming you have good to great credit
- Income is $50,000/year
- Max Purchase Price $180,000
- 5% down = $9,000.00
2. IF you do NOT have a car payment (same good credit, same income)
- Max Purchase Price $225,000
- 5% down = $11,250.00
That is a $45,000 difference in borrowing power and may allow you to purchase the type of home in the neighbourhood you are hoping to live in! After you have taken possession of your home - you can easily qualify for a Car Loan with a number of banks or dealerships. Qualifying for a home (mortgage) is a very different process with much stricter rules.
Keep In Mind:
Even with strong income, depending on the area you wish to buy a home - a vehicle payment can seriously and negatively affect your ability to qualify for the house you want to buy.
Buy the house and THEN the car!! Spread the word and tell your friends. Many FIRST TIME HOME BUYERS do NOT know this!
You're paid off "middle of the road" vehicle is not looking so bad now, is it??
Call Tammy Wandzura today at 933.3386 for all of your Saskatoon mortgage needs OR visit www.elitemortgagechoice.com she is a Trusted SASKATOON MORTGAGE BROKER!
J & S Picture Frame Warehouse believe that your pictures deserve the best! Locally owned and operated, they constantly strive to bring their customers the best materials, advice and workmanship for all of your framing needs.
J & S Picture Frame Warehouse simply offers the best selection of framing materials to preserve your treasures, keepsakes and works of art in Saskatoon. Quality is paramount at J & S Picture Frame warehouse they are the best framers in Saskatoon - all work is completed with superb craftsmanship, expert advice and friendly service. Nationally acclaimed local artists trust J & S with their original artworks...why trust your memories to anyone else?
J & S Picture Frame Warehouse is your Trusted Saskatoon Picture Frame Experts.
Have you ever wondered why mats are used in framing artwork and photographs?
Martha Stewart shares some matting examples here :
Well, they serve several purposes. One of the main purposes is to protect the piece in which you are framing. Artwork and photographs over time, and with temperature changes, can stick to the glass if there is no barrier in between the piece and the glass. Glossy photographs are the most likely to stick to glass – matte finish papers usually won’t.
A piece of fine art should be allowed to ‘breathe’ in the frame (expand and contract) and the mat allows for that. The mat serves as a layer of protection so that the image is not in contact with the glass. Especially if you have an original piece of art (like a pastel) or a photograph that you want to preserve for years to come.
No Mat vs Mat
Another way that mats are used is to make an image stand out. When you mat your image it can help by adding depth and dimension to your piece, thus making the eye focus in on the image. It can also help enhance certain colors in the piece making them pop off the page. If you would like to add more depth and dimension to your work you can double or even triple mat your piece. Also, if you have a small image, instead of enlarging it you can put a larger mat on it, making the piece overall a lot bigger.
Most picture framers will have dozens of colors and textures to choose from to help enhance your piece and help you show off your precious piece of artwork and photographs, as well as show off a little of your personality at the same time.
Always choose mats that are acid-free so they will not harm your artwork or photographs and the bevel will not yellow over time.
So…. to mat or not? Some pieces of art need to be matted; pastels (so the color doesn’t transfer to the glass), needlework, shiny photos, and delicate papers like rice paper.
It also comes down to budget – single mat vs triple mat – and personal preference. Same with the width of mats. I love the look of a wide mat on a piece of art… others don’t.