Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Plumbers Perfection Plumbing Share the Benefits of Energy Saving Water Heaters

Perfection Plumbing & Drain Cleaning Ltd. is a premier provider of quality drain cleaning and plumbing services in Saskatoon, SK. They are the company of choice to handle all of your plumbing concerns including drain cleaning service, water heater installation, plumbing repair, and more.  Perfection Plumbing are Trusted Saskatoon Plumbers on the Saskatoon Directory. In their latest article, they share the many benefits of energy-saving water heaters.

Benefits of Energy Saving Water Heaters

Are you beginning to dread the winter months? Energy bills for hot water, and heating and lighting the home seem to creep forever upward. In many Canadian provinces, the government and/or energy companies provide assistance in the form of grants and loans, to persuade both homeowners and businesses to switch to using to energy-savin appliances.

faucet-water-drip

According to Natural Resources Canada, the average family uses around 75 litres of hot water every day, accounting for nearly 20% of a household’s energy bill. There’s no doubt that the older your water heater, no matter what the type and unless regularly serviced, will be costing you more in bills than it should.

Taking the Leap, Making the Switch

Before making a decision, contact a reliable, reputable Saskatoon plumbing company that specializes in hot water tanks in Saskatoon. For a start, natural gas is far cheaper than electricity. If you can change, it’s well worth the added expense.

As would be expected, Energy Star hot water tanks in Saskatoon are far more expensive than old style tanks. All that new technology has to be paid for. But does greater expense equate to greater savings on your bills? The short answer is yes, but it’s the time taken to recoup the extra outlay which could do with some discussion.

Determining Options

Talking to a reputable company that regularly fits and services water heaters in Saskatoon is the best way to ascertain the type, size, and energy rating you will need to begin reducing your energy consumption while recouping the additional outlay in a reasonable time frame.

A reputable plumbing company that puts their customer’s needs first, such as Perfection Plumbing & Drain Cleaning Ltd., will ask a lot of questions. How many in the family? How many bathrooms? Do you live in a sprawling single storey home, or is it more compact with upstairs and downstairs? All these things and more will have a relevance to which type of Energy Star rated water heater your plumber recommends.

While discussing the best Energy Star rated hot water tanks in Saskatoon for your needs, it is well worth considering a few smaller things which will help cut down running costs.


Hounjet Tastad Harpham Trusted Saskatoon accountant answer questions about the new Climate Action Incentive in Saskatchewan

 

Hounjet Tastad Harpham has decades of accounting experience working with clients across Saskatchewan. Their expert accounting advice is valued by clients ranging from individuals to businesses small and large. Hounjet Tastad Harpham are Trusted Saskatoon Accountants and in their latest accounting tip, they answer a client question about how the new Climate Action Incentive ( CAI) (commonly referred to as the carbon tax rebate) program works. 



Climate Action Incentive (CAI) 

Recently a client emailed us to ask a few questions before they dropped off their 2019 personal tax information. This particular client has been in a common law relationship for 7 years and has 3 children from a previous relationship.  


The CAI Question: 


Greetings Roseline, I'm going to drop off my information tomorrow, but I just wanted to ask about the new Federal ECO/Carbon Tax rebate program/ incentive - how is it decided , how is it calculated and who receives it? 

The Answer 


Individuals in Saskatchewan will receive a tax-free Climate Action Incentive payment after filing their 2018 tax return starting in 2019. Climate Action Incentive payments in Saskatchewan will be calculated as follows for 2019:

The carbon tax rebate can be claimed by either spouse, so it’s up to you to decide which one.  
You can’t split it – it has to go to one or the other.  In this case, we suggested that the client put it on her return because it includes the children.  The rebate gives $305 for the individual, $152 for the spouse, and $76 per child, for a total of $685.00.  

Depending on financial arrangements,  the client who receives the rebate may then split half of the adult CAI  (305 +152= ) and give their partner/spouse $228.50, keeping the 3 children's rebate for their expenses. 

What About Other Family Circumstances? 



The amount for a single parent's qualified dependant:


To claim the CAI payment for a single parent’s qualified dependant, on December 31, 2018, you must:

  • not be married or in a common-law partnership, and
  • have a child (or dependant) who meets all the conditions of a qualified dependant.

Shared custody

Only one claim for a CAI payment can be made per child. The payment cannot be split between parents.


Supplement for residents of small and rural communities

To claim the supplement for residents of small and rural communities, you must have resided outside of a census metropolitan area (CMA) on December 31, 2018.


Find out if you qualify for the 10% supplement for residents of small and rural communities. 

 

ProvinceBasic AmountSpouse or common-law
partner amount
Qualified dependant
amount
Single parent's 
qualified dependant
amount
Saskatchewan$305$152$76$152

Claim the CAI payment

To claim the CAI payment, you must:

  1. complete your 2018 income tax and benefit return
  2. complete Schedule 14 included with your return
  3. send (file) your return to the Canada Revenue Agency

The CAI payment will be automatically applied to your balance owing for the year, if applicable, or may increase the amount of any refund you may be entitled to.


Contact Hounjet Tastad Harpham today if you have any further questions related to CAI. 




Hounjet Tastad Harpham Services:

If you are looking for a Saskatoon chartered professional accountant for your personal taxes or business accounting needs, contact the team at Hounjet Tastad Harpham today.

Hounjet Tastad Harpham are Trusted Saskatoon Accountants



Trusted Saskatoon Roofers FAQ- Is Your Roof Leaking or Is It Condensation?

 Is Your Roof Leaking or Is It Condensation?

There are basically 3 types of roof “leaks” which are detailed below. The solution to your roof moisture issues depends on what type of “leak” it is. If you notice excessive moisture during extreme temperature changes, and not when it rains, then the moisture probably isn’t a roof leak. The following information should help determine what issues you might be experiencing and what you can do to alleviate condensation.


  • The first type is where water is leaking through the roof system while it is raining. This could include leaks due to damaged or deteriorated shingles, improper installation of the shingles or poor/failed flashing details at penetrations and walls. It may even be due to damaged window sills, improper siding installations or severe wind driven rain. These are external leaks which can usually be inspected and repaired by a roofer

  • The second type of “leak” is caused by ice dams. This is not workmanship related. The best way to prevent or reduce ice dams is to eliminate or reduce the amount of warm air that is escaping into the attic and melting snow on the roof to the point where it creates glacier-like ice build up. Another temporary solution is to remove the snow from the roof before it can turn into ice and penetrate the roof system.

  • The third type of “leak” is caused by condensation or frost buildup in the attic. This is not workmanship related or an actual roof leak. To prevent frost & condensation from developing in your attic you must eliminate or reduce the amount of air leakage into the attic as well as improve insulation & ventilation to allow moist air to escape the roof.

What is Condensation?

Condensation comes from the moisture in the air and is caused by too much moisture in the air for a certain temperature. Condensation forms when warm, moist air touches a surface that is colder than the dew point of the warm air. As that air becomes colder and its temperature drops below its dew point, it must release excess moisture to reach its new, lower dew point. It releases moisture in the form of water, which appears on the colder surface.

There are many things in our homes that put moisture into the air. Normal breathing and perspiration add 3 pints of water to the air every day for each person in your home. In fact, every activity that uses water adds more moisture to the air including cooking, taking showers, dishwashing, and doing laundry. Condensation is more apt to occur in climates where the average temperature is 35º F or colder. Condensation is a common sign of inadequate insulation and/or ventilation.

Condensation in the Home - A Warning Sign

Condensation is usually first noticed on your windows and skylights because they are the most visible areas of your house. While it’s natural to blame the windows, you shouldn’t always. Window and skylight condensation is the result of excess humidity in your home. And the glass only provides a visible cold surface on which humidity can condense. This could be a sign that your excessive indoor humidity is causing damage elsewhere in places you cannot see, such as: your walls, ceilings, floors, and your attic roof. Excessive indoor humidity can cause blistering and peeling paint, warping and rotting wood, as well as the formation of mildew & mold.

During extremely cold temperatures, frost can build up on the underside of the roof sheeting (attic roof). Once the outdoor temperature rises, that frost melts and can mimic a leak. This “leak” can be excessive when the temperatures dramatically change, as is common during our Alaskan winters. Frost build up is most common above heat sources such as light fixtures, kitchen stoves, fireplaces, bathrooms, fans, and improperly vented exhaust fans. When the frost melts, this “leak” is most commonly found dripping out of those heat sources.

High ceiling beams and cathedral ceilings with water spots can be confused with an active leak, when in fact it is a result of condensation.

If you have ever noticed a lot of icicles hanging from the edge of your roof, chances are your house is leaking significant (and expensive) amounts of air and heat into the attic.

Controlling Indoor Humidity

Most new homes are now made tighter than ever. They are well insulated and no longer "breath" on their own. Both insulation and ventilation should be addressed to control condensation. Steps must be taken to ventilate the house, allowing moisture and humidity to escape. 

STEPS YOU CAN TAKE TO CONTROL THE HUMIDITY IN YOUR HOME INCLUDE:

  • Bathroom and kitchen exhaust fans, as well as dryer vents, should never be discharged into the attic space, always discharge outside. You may have an
    adequately ventilated attic, but this won’t matter if the bathroom exhaust fan dumps warm moist air directly into the attic space. This will result in condensed water vapour freezing onto cold attic materials, which will eventually thaw creating wet attic materials resulting in damage in the attic and inside the home.

  • Installing exhaust fans in the kitchen, bathrooms, and laundry rooms.

  • Controlling or covering other sources of humidity (radiator water pans, fish tanks, large numbers of plants, etc.)

  • Installing a dehumidifier. Dehumidifiers are an inexpensive way to reduce the moisture in your home. Highly recommended in vaulted roofs with a loft.

  • Opening fireplace damper.

  • Ventilating the crawl space or basement: Install foundation vents or leave a basement window cracked in the fall or early winter to ventilate your basement or crawl space.

  • Research shows keeping the attic air temperature below freezing when the outside air temperature is in the low 20s can reduce the occurrence of ice dams. Proper attic ventilation is key to keeping the attic cool, while adequate and properly installed insulation is key to keeping your house warm. It is critical to keep soffit vents free from obstructions to allow the natural flow of cool outside air into the attic space to replace the warmer attic air that rises and flows outside ridge and/or roof vents. This flow of air will keep the attic cool and free of moisture build-up.

  • Adding additional roof vents, such as box vents, turbine vents and ridge vents will also allow the warm air to escape the attic space and reduce condensation issues.




Find Saskatoons Best roofers in the  Saskatoon Contractors, Roofing & Exteriors Category


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


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.



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"

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