Marla Janzen is an award winning SASKATOON REAL Estate expert 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.

She is one of our wonderful  TRUSTED SASKATOON REAL ESTATE EXPERTS listed on the SASKATOON DIRECTORY and loves to provide Trusted Tips that help the public!

Marla Janzen from century 21 Fusion is the realtor for BC Based home builders Westbow Construction's Radius at The Legends condo project in Warman SK, and she invited the Trusted team up for a tour around the show condos and to meet the owner of Westbow Construction Dick Westeringh. We figured we would take along our video camera so you could see for yourself why living in Warman should be a consideration for anyone thinking about moving!  

Here Marla shares a tip on buying a house in every major Canadian city:

How much you need to earn to buy a house in every major city

Many say property is the best investment you can make. Bursting housing bubbles and mortgage scandals aside, they’re usually right.

The price of making that investment varies widely in Canada, depending on where you live. We looked at how much you need to earn to buy an average-priced house in every major Canadian city.

To get these numbers, we consulted Adrian Williams, a Toronto mortgage broker, and used his calculator found here. He explained that to calculate the income required you need to know the purchase price, down payment, rate, utilities – mortgage qualifying must include a minimum of $100 a month for heating costs – and taxes.

We got the average purchase price per city from the Canadian Real Estate Association (they fluctuate. These prices were effective at the end of December. To see the absolute latest click here and input your city), and Williams provided the property tax rates. At his suggestion we used a 2.99% interest rate, which is the average qualifying rate for a 5-year fixed term. We used a down payment of 10% of the purchase price and calculated $100 a month for utilities.

According to Williams, “Other factors that will be included with mortgage qualification are the total monthly payment obligations from credit card, LOC’s, personal & car loans, car lease and other types of credit that require a monthly payment.”

Here is what you need to earn to buy a house in every major Canadian market. (Numbers are rounded to the nearest dollar.)

Vancouver

Average price: $819,336

Monthly mortgage payment: $3,570

Property tax: $251

Income required: $147,023

Jobs in Vancouver

Calgary

Average price: $465,047

Mortgage mortgage payment: $2,026

Property taxes: $236

Income required: $88,578

Jobs in Calgary

Edmonton

Average price: $365,520

Mortgage payment: $1,592

Property tax: $244

Salary required: $72,617

Jobs in Edmonton

Regina

Average price: $331,161

Monthly mortgage payment: $1,443

Property tax: $378

Income required: $72,028

Jobs in Regina

Saskatoon

Average price: $349,322

Monthly mortgage payment: $1,522

Property tax: $366

Income required: $74,546

Jobs in Saskatoon

Winnipeg

Average price: $270,605

Monthly mortgage payment: $1,179

Property tax: $274

Income required: $58,235

Jobs in Winnipeg

Ottawa

Average price: $357,887

Monthly mortgage payment: $1,559

Property tax: $336

Income required: $74,820.28

Jobs in Ottawa

Toronto

Average price: $587,505

Monthly mortgage payment: $2,560

Property tax: $354

Income required: $113,009

Jobs in Toronto

Montreal

Average price: $344,273

Monthly mortgage payment: $1,500

Property tax: $237

Income required: $68,884

Jobs in Montreal

Halifax

Average price: $264,447

Monthly mortgage payment: $1,152

Property tax: $266

Income required: $56,929

Jobs in Halifax

Find Marla Online at http://www.century21.ca/marla.janzen   she is a Century 21 Fusion Realtor Sakatoon based at 703 Circle Drive, Saskatoon..or checkout her listing in REAL ESTATE SASKATOON here on www.trustedsaskatoon.com, Marla Janzen is TRUSTED SASKATOON REAL ESTATE EXPERT.

Reed Security believes when you become a client you will be entering into a relationship – one they want to grow and become long term...they work hard to meet all your Saskatoon Alarm & security needs from day one!

REED SECURITY are Trusted and they are recipients of 2 x 2012 SABEX AWARDS - these Saskatoon Chamber of Commerce awards recognize excellence in business.  

Here they share Holiday Security Tips:

THESE HOLIDAY SECURITY TIPS COULD SAVE YOU SOME HEADACHES!

Social Media is a great way to keep in touch with friends and family, but don't forget it's very public. Thieves also like reading about your vacation plans and can often track down your address.

AVOID POSTING: "packing for the trip", "just got to lake", or "just landed", etc. or photos of your new big screen TV and PS4

Break'in's rarely occur when you are at home - so in addition to arming your Reed Security alarm system you will want to make it look like you are still there.

• Cancel the newspaper
• Have someone shovel your driveway
• Have someone pick up your mail
• Park an unused vehicle in the driveway
• Install exterior motion lights (and make sure you test them)
• Install timers for interior lights
• Consider ALARM.COM Interactive Services. Control your lights, locks, blinds, temperature, and video cameras remotely

For even more helpful tips visit reedsecurity.com

Did You Know: A monitored Reed Security alarm system with 24/7 Rapid Response Monitoring will decrease the odds of having a break-in by nearly 400%.

HOLIDAY BONUS:

Save Up to $729 with our $5 a Month 24/7 Monitoring Promo

Save Up to $729 with our $5 a Month 24/7 Monitoring Promo  
 
For more information and or to speak with a Security Specialist Click Here or call us:

Prince Albert   306.922.7200

Saskatoon       306.653.3200

Find Reed Security online at www.reedsecurity.com or check out their listing here in the SASKATOON ALARM & SECURITY Category on THE Saskatoon directory of excellence. Virgil Reed and his team are YOUR Trusted SASKATOON ALARM & SECURITY experts right here in Saskatoon!

Find PickNic's Catering and Fine Foods at 210 33rd Street West or online here- or go to their listing in Saskatoon Catering & Bakeries to read all of the wonderful things her clients had to say about PickNics.

What's the difference between good food and absolutely incredible dining? Fresh, quality ingredients, generous portions, imagination and creativity! From a simple catered lunch with gourmet sandwiches, to a Picknic Box for 2 for a romantic evening in, to a fabulously catered wedding or event, let Picknic's Catering and Fine Foods create something special for you!

PIckNics Catering & Fine Food is a TRUSTED SASKATOON CATERING EXPERT

PickNics Catering are known for their wedding cakes.

Here Nicola shares her Pancetta and Roasted Garlic Tarts with Tomato Jam Recipe:

For the Tomato Jam: 

In Heavy Bottomed Saucepan
1 Pint of Cherry Tomatoes
2 Tablespoons of Brown Sugar...
10 Whole Cloves
1 Cinnamon Stick
1 Tablespoon of Balsamic Vinegar
Juice of 2 Lemons
Simmer and stir occasionally for about 1 hour, until the tomatoes naturally burst.
You may need to add a Tablespoon of water every 15 minutes or so just to keep things juicy.

For the Tarts:

Preheat oven to 350'F
Layer 3 sheets of Phyllo pastry, brushed with melted butter in between the layers.
Cut the stacked set of sheets into 24 squares.
Line a mini cupcake pan with the prepared phyllo squares, pressing gently.
Fill with a generous crumble of Boursin cheese, cooked drained Pancetta, and a half clove of Roasted Garlic.
Top with a mixture of:
400mL of 35% Cream, whisked with 1 large egg, 1/2 teaspoon of thyme and a pinch of salt and pepper.
Bake for 15-20 minutes.

Remove from cupcake pan while slightly warm.
Top with Tomato Jam and serve warm or at room temperature.
VOILA!

Find PickNic's Catering and Fine Foods at 210 33rd Street West or online here- or go to their listing in Saskatoon Catering & Bakeries to read all of the wonderful things her clients had to say about PickNics.

Whether you are building a new home or remodelling a single room, Kitchen & Bath Classics Saskatoon a Trusted SASKATOON BATHROOM EXPERT offer you one of the largest selections of plumbing fixtures, faucets, and accessories from quality names, displaying the latest trends and cutting-edge styles. The showroom consultants offer the best expertise in the business as they understand the building process; working with you to ensure that your project stays within budget and that the right products are delivered on time.

Here Lori shares a tip on choosing a kitchen sink:

When choosing a kitchen sink, design, size and type of installation are all very important.

If you are renovating, it is helpful if you take a couple of measurements inside your cabinet with the width and depth of the cabinet that will be accommodating the sink. If you bring those measurements along to your consultation with our Kitchen & Bath Classics expert they will help you choose your perfect sink. If planning new cabinets, we can work with your cabinet designer to match the size needed. Blanco has a number of options available to choose from, with sinks made from Stainless Steel, Siligranite and Fireclay.

The Blanco stainless steel sinks are 18 gage and have a wide variety of sizes and styles to choose from. The Blanco Attika sink with Steelart design, has a special elevated rim, making it a trendsetter showcasing popular architectural designs. The Blanco Practika laundry sink is an interesting undermount sink that has an integrated washboard for scrubbing.

The Blanco Siligranite sinks have a composite with 80% granite within them, creating a scratch and stain resistant sink. New colours available like Truffle and Cinder, introduce designer colours into your kitchen design. The Blanco Diamond with a low divide is a large sink with a lower centre divider allowing it to be used as both a single and a double sink. At Kitchen & Bath Classics we have many Blanco sinks on display so you can see the new colours and designs.

The Blanco Fireclay sink design is an undermount with an apron front, perfect with Granite, Quartz or other solid surface countertops.

Our Kitchen & Bath Classics experts will need to know what type of countertop you are planning to use, whether laminate, granite, quartz or other solid surface top, so we can suggest a drop in or undermount option for your sink.

Blanco also has a variety of Kitchen and Prep faucets to choose from in both chrome and stainless finishes with some featuring accents to coordinate with Siligranite colours.

At Kitchen & Bath Classics, our design Experts will assist you in making your choice for your kitchen, laundry or bar sink needs with a wide selection of product on display from Blanco.

Find Kitchen & Bath Classics online at http://www.kitchenandbathclassics.ca in the SASKATOON BATHROOMS category on the SASKATOON DIRECTORY of Excellence...they are your SASKATOON BATHROOM FIXTURES and FITTING Expert !