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.
Market Conditions
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.
Existing Mortgage
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.
Portability
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 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.
TRUSTED GUARANTEES
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"
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.
Double Mat
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.
Triple Mat
Invisible Fence® Brand systems Saskatchewan are invisible boundary systems for your yard and home! It keeps your pet out of harm's way and prevents unwanted behaviours throughout your home and yard. The systems are safe, humane, and highly recommended by Veterinarians, Behaviorists, and pet experts. Over the last 45 years, they have helped more than two million pets and their owners lead safe and harmonious lives together, and their exclusive training program allows dogs and cats to learn their boundaries without fear, distress, or behavioural harm. Invisible Fence Saskatchewan is your Trusted Saskatoon Pet fencing solution expert!
Do Invisible Fence Collars 'Shock'?
This great photo below, of a dog choosing not to "cross the line" of their invisible fence, despite some tempting moose in the yard, prompted this question on social media:
"So would it have gotten a shock if it crossed the line?"
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"It does not give them a shock. It is a sensation that they just don’t like. It is kind of like a
chalkboard to us. It doesn’t hurt us to scratch our nails down a chalkboard, but we sure as heck won’t do it because we cannot stand the feeling of it. So think of their boundary as their chalkboard. Even if I had to turn a dog's collar up onto the highest setting because he was that stubborn, the greatest amount of static in his collar is no more than when you drag your feet across the carpet. But a rate of vibration is added into it creating that sensation that they just don’t like. When we begin the training with your pets, it is on a low rate of vibration only which you and I cannot even feel in our hands.
I always put the collar in the owner's hand so that they can feel what they are feeling. You will look at me and tell me you don’t feel anything. And that is the point. You will watch me teach your dog to learn and understand what and where his boundaries are in a setting that you and I cannot even feel. Eventually, his collar settings will change in order to keep him within his boundaries should he be tempted to leave. But that is not done until he gets to know his boundary and which way to turn at his boundary 100%. We let him make all the mistakes while learning in a setting that we cannot feel. This way, they have a full understanding of their boundary before their settings are put to a containment level designed for each and every dog individually. Their containment settings will be customized based on their breed, size, age, and personality. Perhaps one of your dogs is timid and the other one is the opposite. Then their collars will be set very differently. The training will be done differently as well."
Solange Continued...
"This is one of the many reasons that makes us so different from anything else out there. Because we have the ability to set the collar on a low rate of vibration only allowing the dog to learn. Dogs thrive on their training. They love to learn new things. So when they get to learn something that is only making them aware but not startling or scaring them at all. Research has been done with invisible fence brand products where researchers and veterinarians hooked dogs up to machines that measured their heart rates and stress levels. Not one single dog was ever under any kind of stress or duress while going through the training. Because it is done in such a kind and gentle way. This is why animal behaviourists and veterinarians support invisible fence brand products and the training. The training was designed by animal behaviourists specifically to go with our systems. Thank you for asking this question. I hope that this was helpful. You can call me anytime and I can explain further."
At Invisible Fence Brand of Saskatchewan, they're passionate about protecting pets — so you can focus on fun! Get more information on the solutions they offer by visiting their listing in the Trusted pets and vets category.
The Trusted Saskatoon Directory team is ecstatic to announce our latest Trusted Saskatoon partner in the Saskatoon Window, Door & glass category.
Tom Knudtson and Jesse Singh of 101 Doors and Windows Saskatoon are known for always putting clients first. They believe that relationships matter. They have capitalized on their years of experience in the industry and are a preferred client with many of their suppliers which results in strong buying power and service that they can pass on to you. Their experience and knowledge enable them to be a trustworthy business and resource for builders and homeowners who are looking for friendly service and creative advice for their windows and doors.
"Our goal is very simple. We want to run a successful enterprise and we think that it takes great people, great products, knowledge and experience to do that. The right kind of people. We hire for attitude and work ethic. Product knowledge and skills can be taught. Attitude and work ethic can't. We also believe that if we take care of our employees they will take good care of our customers. We are continuously working to find the best products and are always adding to our knowledge and experience. " - Tom Knudtson
Here is what a few of their happy clients had to say when we spoke to them as part of the Trusted verification process .
"101 Doors and Windows are our favourite suppliers for windows and doors. They are great guys! Looking for windows and doors? We would recommend checking them out!" - District Builders
"I have know Tom for over 10 years and he is always really good to deal with. I have never experienced any issues when dealing with 101 Doors and Windows. I definitely would recommend them to family and friends and give them a 10/10." - Andrew Mason (Saskatoon)
At 101 Doors and Windows, they take pride in working for their client and their satisfaction is their #1 concern! They are a Saskatoon-based window company that specializes in doors, hardware, mouldings, windows and related products. Their customer service model is based on giving good customer-centred advice. The team has worked on literally thousands of homes, and they take great pride in helping people get the best return for every dollar invested in their projects.
GREAT COMPANY, GREAT PRODUCTS and GREAT SERVICE!
