Trusted Tips and Resources

Trusted Tips & Resources

Kristi Knippel Trusted Saskatoon Mortgage Broker Asks, Is Your Mortgage Coming Up for Renewal?

As an experienced, accredited, Saskatoon mortgage professional Kristi Knippel is committed to helping her clients find the mortgage that will suit their lifestyle and align with personal financial goals. Kristi Knippel is a Trusted Saskatoon Mortgage Broker

Is Your Mortgage Coming Up for Renewal?


Did you know… Over the next 1-2 years, half of all Canadian mortgages will be up for renewal?


If you’re unsure about your renewal date, now’s the perfect time to find out. But, whatever you do, be sure to have an experienced mortgage broker negotiate on your mortgage at renewal with multiple lenders – including banks, credit unions, and trust companies – to ensure you secure the best mortgage product and rate based on your specific needs.


Brokers can pull one credit report and shop your deal with numerous lenders. If you try to do this yourself, each lender will pull a report, which will negatively impact your credit score and could prevent you from qualifying for the best possible mortgage.


Too many people simply sign the renewal form sent by their bank/lender up to six months prior to the renewal date without shopping their options. In fact, this is one of the biggest mistakes a homeowner can make.


Accepting this offer most often means you’ll be paying way too much for your mortgage – on average, 1-1.5% higher than you should be paying – and/or your new mortgage won’t adapt to your changing needs as a borrower. It’s important to remember that lenders are in the business of making money, so they won’t often offer the best rate in the renewal letter.


On a $300,000 mortgage, this higher interest rate could translate into a difference of more than $250.00 per month… and over five years you would have paid $15,000+ in additional interest! That’s a lot of money that could have been paid towards the principal balance and helped pay down your mortgage faster.


Mortgage renewal is also the perfect time to take out equity in your home to renovate, pay down debt, send a child to school, take a dream vacation or use however you choose. The benefit of taking money out during renewal is you don’t have to pay any fees to break your mortgage early.


And if your mortgage isn’t up for renewal just yet, it may also be beneficial to have a mortgage broker conduct a free annual mortgage checkup to ensure your mortgage is working for you and keeping more of your hard-earned money in your bank account each month. You have nothing to lose and everything to gain from staying on top of both your short- and long-term mortgage needs.









Choice Payment Solutions your Trusted Saskatoon payment solution provider share info on the Clover Flex POS System

Choice Payment Solutions, led by Nelson Crowder, is your Trusted Saskatoon payment solution provider serving Saskatchewan. In this business tip, they share the Cover Flex

Introducing the CLOVER FLEX - Not your average point of sale terminal!

We have many conversations with Saskatchewan business owners regarding the best point of sale solutions. Recently the conversation has turned towards the NEW CLOVER FLEX terminals we offer.

Nelson provides some high-level info on what these units do.

  • Operates on multiple platforms...WIFI and has a built-in SIM Card when no WIFI available
  • Accepts all forms of payment ...Contactless Credit/Debit, Apple Pay, Google Pay, Even track cash sales
  • Customize to your Business, Add your logo to receipts & info about your business
  • Customize TIP options
  • Real-time reporting
  • Integrates into your accounting software!!

Let list goes on! 

 

 Connect with us to arrange a demo and get yours today, You'll be glad you did!


Choice Payment Solutions are your Trusted Saskatoon Payment Solution Providers! 

Find them here in the Saskatoon Directory of excellence 

If you already accept credit cards, take advantage of a complimentary statement analysis to find out how Choice Payment Solutions compares to your current provider.


Trusted Saskatoon Realtor Clark Dziadyk tip on the Saskatoon Spring Real Estate Market

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.

 

Read what clients have to say about Clark Dziadyk hereClark Dziadyk is 'The Realtor in Your Neighbourhood'


Trusted Saskatoon Realtor Clark Dziadyk tips on the Saskatoon Spring Real Estate Market


The Calm Before The Storm

Oh, the weather outside has been frightful… but what does the condition of your home look like inside?

The first couple of weeks in March are what I like to refer to as “the calm before the storm”. The Spring market is right around the corner and warmer days are coming. If you, like many other homeowners who are considering listing their home, you may be waiting until the weather warms up to put your home on the market. If this is your strategy, this is a great time to tackle all of those interior projects you plan on completing before listing for sale. The ultimate goal is to sell your home for the greatest value possible in the least amount of time. Preparing your home for the market now will greatly increase your chances of accomplishing this goal.

Follow this listing checklist provided by the Canadian Real Estate Association for tips on where to begin with getting your home showing it’s best and be ready for the Spring market. Once you have that completed, your next step is to contact me and we will discuss a marketing strategy for achieving your real estate goals!


Click Here For A Helpful  Real Estate Checklist


Read what clients have to say about Clark Dziadyk on his Saskatoon real estate listing here

Clark Dziadyk is a Trusted Saskatoon Realtor contact him today for all your Saskatoon Real Estate needs.


"The Realtor® in Your Neighbourhood"

Trusted Saskatoon Window Expert Brad at Wiebe Windows & More shares a window tip on dealing with condensation

Wiebe Windows & More owner  Bradley Wiebe has been installing windows and doors in Saskatoon and area for over 10 years. They only install Canadian manufactured windows and doors. These products are built for the Saskatchewan climate. Wiebe Windows & More are Trusted Saskatoon Windows & Door, Experts share a window tip on prevention condensation. 

Are your windows weeping? Are you struggling with condensation? 


Have you noticed that the windows in your home are continually fogging up? Does it seem like they are collecting moisture? This isn’t necessarily your windows’ fault. In fact, window condensation may be an indicator of something entirely different. Your foggy windows may be an indicator that you need to reduce indoor humidity before it causes hidden, costly problems elsewhere in your home like peeling paint, rotting wood, buckling floors, insulation deterioration, mildew, even moisture spots on ceilings and walls.

Do windows cause condensation?


No. Windows do not cause condensation. But, windows are often the first place where condensation can be seen. Think about it. You’re probably not surprised or concerned when your bathroom mirror becomes fogged. You expect it after a hot shower. Your car windows fog up in humid weather or in winter when you have several passengers. These are just a few examples. And although condensation usually occurs in cold weather, it can occur during humid months when air conditioning is running. The mirror doesn’t cause the condensation. The car windows don’t cause it either. These are just the first places you actually see condensation. Check your bathroom walls after a shower – you’ll see condensation there, too. Run your finger along the wall. You’ll see water on your finger, and you’ll see the trail of your finger through the condensation on the wall.The same is true for the windows in your home.  

What does cause condensation?


Condensation forms when warm, humid air contacts a cold surface. Moisture is in the air all around us. Warmer air can hold more moisture. As air cools, it contracts (just as people pull their arms and clothing tight around them when chilled) and its moisture condense. When the temperature drops, the first place you will see any condensation is on the windows. Your windows are the coldest surfaces indoors. During colder months, indoor air is much warmer and holds more moisture than outdoor air, which is colder and dry. Warm, humid indoor air cools and contracts as it contacts the cooler windows, and the moisture condenses on the glass.


 

How to reduce window condensation by controlling and improving ventilation


1. Leave blinds and/or drapes open as wide as possible at night and open all window coverings during the day. This will increase the warm air circulation over the cool surface and increase the temperature of the glass. 

2. Check the furnace filter and replace if dirty. A dirty furnace filter will reduce the output of the furnace fan. A clean filter will ensure maximum flow. 

3. Turn your humidifier off during the winter and anytime the temperature falls below 0 degrees C. 

4. Always turn on the bathroom fan when bathing or showering. The best results are achieved when the fan is ducted directly to the outside. Humidistat controlled fans which automatically turn on when the humidity exceeds the setting on the switch is also available. Running the fan will also reduce the fogging of bathroom mirrors. 

5. Always turn on the range fan when cooking. For best results, make certain the fan is ducted directly to the outside. 

6. Ensure your clothes drier is properly ducted to the outside, no air leakage is present in the duct, and the duct is free of all blockages. Avoid hanging clothes indoors to dry. 

7. Ensure fresh air intake for the furnace is free of all blockages. If your house has no fresh air intake to the furnace, have one installed. 

8. Ensure all hot and cold air registers are clear of any obstruction as this could affect maximum air circulation. Avoid the use of air deflectors. Air deflectors directed towards a window can result in thermal cracks in the glass. 

9. Install ceiling fans in locations where heat registers are not located close to the windows. The increase in air flow will definitely help reduce condensation on these windows. Ceiling fans should be run continuously in houses where the relative humidity is above recommended levels. 

10. Floors wet from mopping can add large amounts of moisture. Run exhaust fans while floors are wet and avoid washing floors on cold days. 

11. Wipe up any excess snow or moisture tracked into the house. The evaporation of the moisture will result in an increase in the relative humidity level. 

12. Run your furnace fan continuously. Most furnaces are equipped with a switch which allows the furnace fan to operate even when the furnace is not producing heat. If your furnace is not equipped with this type of switch, have one installed. 

13. Open doors and windows periodically to allow the dry air outside to replace the moist air inside. 

14. Ensure there are no leaks in the water pipes or drains. 

15. Ensure window and door frames are caulked where they meet the exterior finish of the house. This reduces the possibility of cold air infiltration which may lower the inside temperature of the window or door. 

16. Remove interior screens in the winter to allow for better ventilation over the window surface. Screens will hamper the flow of air over the interior surface. 

17. Patios, decks, and landings: Do not stack patio furniture or other articles near or against windows that directly cause shading or “cold spots” on your windows and doors. This reduces the effectiveness and performance of the glass. This can also lead to glass cracking.


Wiebe Windows & More -Services & Info:

"A VIEW YOU CAN TRUST"

Wiebe Windows & More are Trusted Saskatoon Windows & Door Experts!


Trusted Saskatoon Salon Passions Beauty Studio introduce Prime Hair Brand

Passions Beauty Studio & The Barber Corner is a national and local award-winning Trusted Saskatoon Salon & Spa opened by Chelsey Kara in 2009. Passions Beauty Studio & Barber Shop offers Saskatoon, Warman, and area clients a truly unique salon & spa experience because they are a team of professionals that work together to offer their clients the best services! They are the Passions family and they travel across the world annually to take training to stay current with the top trends and techniques! Passions Beauty Studio & The Barber Corner are a Trusted Saskatoon Salon. In our latest tip, we share the Prime Hair Brand Story!


Passion Beauty Studio & the Barber Corner - “PRIME” STORY

Co-founders Karey, Chelsey and Karissa opened their family business of luxury hair care products called PRIME HAIR BRAND in 2018.

Chelsey is a Hair Stylist and salon and spa owner (Passions Beauty Studio), employing 15 team members. Karissa is a Stylist at the salon and has worked as an educator for multiple International hair companies training stylists on the latest fashions, techniques and products. The two sisters combined their experience and knowledge, together they recognized an area in the industry that they felt needed to be fulfilled. Karey, a former Scotiabank Manager, retired after 31 years and joined her two daughters in their venture of creating a premium hair care brand. They worked alongside their colleagues in the salon (Passions Beauty Studio), testing and creating a line of "PRIME" luxury products that perform and make life easier for the stylist and their clients.

Prime Hair Brand is much more than just hair product. "Prime" is defined as:

1) top quality 2) best choice 3) greatness 4) a time of success in a person's life

These definitions define the mission and purpose of the new business. PRIME HAIR BRAND creates top quality, premium hair care products which are sold by educated professional stylists in boutique salons. PRIME provides education, salon business tools and first-hand experiences to help the stylists and salons succeed in all aspects of their career and lead them to greatness.

The family trio intends to introduce their brand into salons across Canada and around the world by providing support to industry professionals which in turn will be passed on to their clients, creating success for all.





 Passions Beauty Studio & The Barber Corner has a modern feel and look inside but clients are truly treated like family.

They offer a variety of services for your hair and beauty care needs:

Passions Beauty Studio & The Barber Corner are a Trusted Saskatoon Salon

Categories

Previous Posts

ADDRESS

S & E Trusted Online Directories Inc
TrustedSaskatoon.com
129 21st St E #400
Saskatoon, SK   S7K 0B2
Ph: 306.244.4150

GET THE APP

App Store Google Play
Follow us on Facebook Linked In Twitter YouTube RSS Feed
Abex
Abex
Stevies
Sabex
NEYA
Website hosting by Insight Hosting