Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Security Experts REED Security Talk Doorbell Security Cameras

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 Saskatoon Alarm and Security Experts 


See and Hear Visitors at Your Front Door




Your front doorway is a busy place. With visitors introducing themselves, your kids charging to and from the school bus, packages arriving, and hellos and goodbyes galore, it's hard for you to keep track of everyone who passes through.  It's no wonder that doorbell cameras are now a smart home must-have, thanks to their ability to show you who's at the door, no matter where you are. 

And with a ReedHD™ Doorbell Camera, that's just the start. 

Because these doorbell cameras are fully integrated into your smart home security system, they're powered by Alarm.com and able to cooperate with other devices. That gives you and your family more ways to incorporate your doorbell camera into your everyday life. 

Answer Your Door From Anywhere

A ReedHD™ Doorbell Camera gives you a safe, smart way to see who's at the door, no matter where you are. When a visitor rings the doorbell, you get an Alarm.com smartphone alert. Open your Alarm.com app and you'll see a video feed of who's there, with a microphone icon that you can press to start a voice conversation through the doorbell. 

Although you can see your visitor, they can't see you, and you don't need to indicate whether you're home or not. Given that burglars often ring a home's doorbell before a break-in, this makes your video doorbell a great crime deterrent. 

Protect a Package from Thieves 

With a smart lock included in your Alarm.com-powered setup, you can go a step further and unlock your door remotely. This is great for protecting valuable deliveries that would otherwise be left on your porch. 

If you have a smart lock, you'll see an ‘unlock' icon in your app underneath your doorbell's video feed. Once you've verified the delivery person visually, tap once to unlock your door and ask them to leave the package inside. When they're done, use your app to lock your door and watch them leave. 
See and Share Suspicious Activity. A ReedHD™ Doorbell Camera is also a full smart home security camera, ready to capture and send you footage of suspicious activity in your front yard or porch area. 

A visitor to your porch will trigger a motion-activated video recording, even if they don't press the doorbell. You can have these clips delivered to your phone right away, where they're easy to download and forward to your partner, neighbours or local police department. 

Keep Up With Your Kids

Crooks and intruders aside, most activity at your front door is ‘good' activity: friends visiting and family arriving home. Reed makes it easy to keep up. It's easy to create a custom doorbell camera alert, triggered by your kids' Alarm.com user codes, that sends you a video clip of your kids arriving home every day. It's a great way to make sure they're home safe and know who they're with. Once the kids know they're on camera, they might even give you a wave. 

PS: It's Also a Doorbell 

Sometimes, you just need a doorbell. You'll be pleased to hear that a ReedHD™ Doorbell Camera goes above and beyond, with both an audible chime and a special ‘Do Not Disturb' option that parents of young children will love.  Instead of waking a napping youngster with an audible chime when pushed, your video doorbell will simply trigger a silent smartphone alert that only disturbs you. 

Is it Time For You To Upgrade to a ReedHD™ Doorbell Camera? 

If you already have an Alarm.com-powered smart home security system, Reed Security can quickly upgrade you with a doorbell camera or other smart devices, including indoor and outdoor video cameras, smart locks and even a smart thermostat.



Trusted Saskatoon Flooring Store Western Carpet One Share Benefits of Wool Carpets

Western Carpet One Floor & Home is a locally owned and operated Trusted Saskatoon Flooring retail store servicing Saskatoon and area since 1974. They are a full-service store offering no charge estimates and full installation on all flooring products. A newly expanded stunning showroom offers a comfortable shopping experience for every type of flooring. Whether it is Carpet, HardwoodCeramic TileLaminate flooring, Cork, Sheet vinyl or area rugs, you will find it at Western Carpet One Floor & Home.


Considering A Wool Carpet
Wool carpet is the premium fibre choice for your home. The wool fibre production process consists of The Natural Elements…Sun, Rain, Grass and Sheep. No artificial ingredients needed, no artificial ingredients added.

Premium Luxury

Wool carpets have a natural, soft and luxurious feel. The long lasting beauty and superior characteristics of wool carpet will enhance your home for years to come.

 

Natural

Wool shorn from sheep is completely natural.  It is composed entirely of amino acids, the building blocks of life. In soil, wool readily biodegrades to produce nitrogen, sulphur, carbon dioxide and water, which are all plant nutrients.

 

Naturally Stain and Soil Resistant

Wool carpets clean better, making stain protection unnecessary.  The wool fibre’s structure consists of overlapping scales, arranged much like roof shingles.  These scales inhibit dirt from adhering to the fibre and help fleck it away.  Wool has significantly better soil release than any other fibre.



Naturally Crush-Resistant

The wool fibre is naturally curly, and it has more crush resistance than any other fibre. Wool carpet fibres recover from crushing better than any other carpet fibres.


Insulator

Wool carpet's natural properties help keep your home cool in summer and warm in winter.

Affordable

Godfrey Hirst is one of the largest wool carpet manufacturers in the world, and provide an exceptional selection of value-priced wool carpets.


Sustainable

Environmentally sound, wool is produced from a totally renewable resource – grass – that is shorn from Sheep every 9 – 12 months.

Natural Flame Retardant

Wool carpets are naturally flame retardant because of its high protein content. If ignited, wool only burns weakly, limiting the spread of the flame.


Improves Air Quality

Wool carpet naturally improves the indoor air quality of your home. It stabilizes relative humidity by absorbing or releasing moisture during periods of high or low atmospheric humidity. If well maintained, it absorbs and neutralizes airborne particles and fumes.

Proven

Wool has been used in carpeting for centuries. Its unique natural properties have seen it stand the test of time as the premier flooring.

Wool is the luxury carpet fibre. It probably holds the most advantages over all fibres. So to summarize what distinguishes wool is that it has more advantages such as being all natural, more comfortable, fire resistant, and arguably is as durable as other floorings like nylon, but it requires more care. Typically, nylon and Smartstrand carpets take whatever you throw at them: spills, moving furniture, and constant foot traffic.


One more Interesting Wool carpet fact!

Did you know Airlines use Woolen Carpets in their planes?!


The wool carpets are used in aircraft because it is the safest carpet to use. Wool is very difficult to burn and when it does has only a low flame, so it has a lower danger.

 

Contact Western Carpet today for a free quote “ Beautiful Made Affordable”

Western Carpet one Floor & Home are a Trusted SASKATOON FLOORING Store!


Trusted Saskatoon Realtor Clark Dziadyk Shares Summer Lawn Care And Curb Appeal Tips

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 Trusted Saskatoon Realtor Clark Dziadyk! Clark will ease your mind by taking the pressure off of you to find your dream home! Be assured Saskatoon Real Estate Agent Clark Dziadyk Clark puts 100% effort into everything he does. Don’t you hate it when the grass is greener at your next door neighbour’s place? This summer you could have the lawn that turns everyone’s eyes green with envy and admiration, but you’ve got to get on it right now! Follow these tips to grow the best lawn. 

Summer Lawn Care Increases Your Homes Curb Appeal 


1. Inspect The Lawn Regularly 

Inspect your lawn and note any spots that need special attention. If you notice brown patches, you
need to act quickly to identify the disease so you can treat it. If the entire lawn is somewhat
flattened from winter weather, call in an aeration service. Those little holes in the lawn will last just
long enough to loosen up the soil and allow better water and nutrient absorption.

2. Rake Your Lawn

Rake any dead spots and reseed using a variety of grass seed to match the rest of your lawn. For
larger areas that may have been damaged by snow plows, for example, you can remove entire
sections and replace with sod. If you notice areas where there has been a lot of soil erosion, mulch
beds are a good way to shore up future runoffs.

3. Fertilize Your Lawn 

Apply a slow-release fertilizer to feed the grass over weeks. Pick a day that’s not windy and check to make sure there’s no rain in the immediate forecast to keep the fertilizer where you want it. Dispose of any leftover fertilizer appropriately, as you would household chemicals like paint. 


4. Water Your Lawn

Make sure to water deeply, not daily. Deep watering will encourage a healthy root system. Whether you drag the hose out in the morning or have an automatic sprinkler system, set a watering schedule. Your lawn needs an inch to an inch and a half of water a week. 

5. Lawnmower Maintenance 

Maintenance Keep mower blades sharp and balanced for clean cuts and change the pattern every time you mow so grass blades will stand up straight. Remember to let your grass clippings fall where they may, and remain there. “Grasscycling” returns nutrients to the soil, allowing them to fertilize the lawn. Proper lawn care prevents the most common lawn problems from getting out of control. Keeping the grass at the right length will help keep it healthy and keep weeds at bay.

6. Rake & Weed Your Lawn 

When autumn arrives, and the leaves begin to fall, don’t wait for large amounts to pile up. Remove
leaves often, so they don’t get a chance to become wet and sticky. Blankets of wet leaves can
create a fungal problem that will plague your lawn long after the last snow falls.
Set yourself up for another lovely lawn the following spring and summer by doing some weed control now, and an application of fertilizer for nutrients to feed your grass throughout the cold
season.

Keep in mind, if you plan to sell your home, having a nice lawn is crucial. But the homes that show the best have more than just end-to-end grass. The right shade trees will also protect your lawn and keep your house cooler this summer.

Notice summer lawn care doesn’t just cover June through September. By preparing your lawn well in advance of the summer heat, you’ll have a yard that will withstand the stress of summer and thrive through the fall.


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



Trusted Saskatoon Discuss The MEAT vs. RICE Approach



The M.E.A.T vs. R.I.C.E Approach – A Recovery Recipe or a High Protein Diet?


R.I.C.E

When you initially have an injury, RICE is the approach to guide you through the first few days:




Rest, Ice, Compression, Elevation

When you initially hav SO - if you just RICE (rest, ice, compression, elevation), are you ready to return to your activities? The answer is no. RICE by itself is not a meal, or a prescription for return to health from an injury. You need MEAT. This is where physiotherapy comes in to assist your recovery.


M.E.A.T


Movement, Exercise, Analgesia, Treatment



M - Movement. Physiotherapists guide you with how to first move. After an injury to compliment healing and prepare the injury for further loading. This may be in nearby areas to keep the whole body healthy and ready for the next phase of your recovery. Early movement can make a more complete and pain free recovery. 

E - Exercise is medicine, and the proper exercise can create healthy stress in the injury to allow the body to rebuild. During assessment and treatment sessions, we prescribe exercise at a starting point appropriate to your injury at the time it is needed.

A - Analgesia is what to do to control pain and assist early movement in being pain free. During treatment, we tape, support, instruct with use of pillows ways to control and eliminate pain.

T - Treatment is the golden nugget - our knowledge of injury and the body lets us use techniques to assist the actual injured tissue from pain back to strong, elastic, functioning tendons, ligaments and muscles. The right things at the right time -

Trusted Saskatoon Mortgage Broker: Tammy Wandzura – Your downpayment and what you NEED to know

Purchasing your home is one of the biggest and most important decisions that you can make. Tammy Wandzura your 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! 


Saskatoon Mortgage Broker: Tammy Wandzura – Your downpayment and what you NEED to know


Downpayment for a new home: Seems like a pretty easy thing to understand. NO?

If you wish to purchase a home you need a downpayment. YES.

In most cases the minimum downpayment is 5% of the purchase price.

Proof of DOWNPAYMENT is one of the trickiest things for most people (first time home buyers OR repeat buyers) to understand.

Years ago a home purchase consisted of a verbal agreement and a handshake. Gone are the good ol’ days.  
  Today: due to money laundering and fraud minimum banking standards and policy requires every consumer (regardless of their income level, credit score or net worth) to provide the lender confirmation of funds being used for a downpayment in a very specific format.

Your lender will be verifying your down payment prior to full approval.  It’s required by all lenders to protect against fraud.

The lenders also are required to prove that you are not borrowing your down payment. Borrowing your downpayment can change your lending ratios and your ability to repay your mortgage.

There are no gray areas with proof of downpayment rules. There are no exceptions to the rules relating to proof of downpayment.

Every single consumer that wants to borrow money for a home (from any lender) needs to be able to viably prove downpayment.
EVEN IF: you are purchasing a $500,000 home and putting down $475,000 and only need a $25,000 mortgage – the rules still apply to you.

HOW CAN I MAKE THINGS EASIER FOR YOU?


 Follow our guidance and advice.  We are here as your Mortgage Expert to help you through what some of my clients have called a “minefield” of mortgage rules. By following our advice the entire pre-approval to possession date process is quite simple, efficient and speedy.

Get PRE-approved.


This simple step will allow us to gather and review your important and unique details UP FRONT-BEFORE you go house hunting and have very limited time restrictions to meet for your final approval.
   

Let us ask the hard questions up front.

If you are applying for a mortgage be prepared for full disclosure relating to all of your finances. Lenders will not even consider reviewing an application if something is left out or not clearly outlined.
We ask ALL of the hard questions up front so we can package the information in a way we know the lenders will accept it or consider it.
 If your downpayment source is questionable (cash from tips, cash from the sale of a vehicle, a gift from a family member, ETC)- run it past us so that we can provide tips on what the bank will need to see when you proceed with an offer on a home.  We are not the bank. We are here to provide you with the information you need to make educated decisions on what the bank WILL need to see so you can properly prepare yourself.
WHY do we ask the hard questions up front? To avoid delays for you when you need the final mortgage approval. To avoid disappointment and lost opportunities on homes you may want to purchase because the appropriate information and paperwork are not organized for the lender to review.

Send us your paperwork immediately.


We prefer to review ALL of your paperwork up front BEFORE you start house hunting with your Realtor.
We will provide you a detailed list of every document we need to review. Send this to us immediately.
This allows us time to review and ensure that the paperwork we have on file is exactly in line with what the lender will need when we request your final approval.
If we are missing something we will ask for MORE.
The more we ask for- simply means we are better preparing your file to get a speedy approval at the very best rates with the very best lenders.
The less information we have upfront will mean more information you have to provide to us last minute. This always creates un-needed stress for you throughout the home-buying experience.

Remember we are working for YOU. 


Not only are we Provincially legislated to work in the “consumers best interest” by the “FCAA” (Financial and Consumer Affairs Authority) BUT we just generally want to make the entire home buying experience seamless, stress-free and easy for you from PRE-APPROVAL to POSSESSION date.
We are not asking for paperwork that we will not need and we are not asking for anything to make things more difficult.
The more prepared YOU ARE – the faster the final approval process will happen for you.

Not every Mortgage is created equal.


Although you may be receiving advice and guidance from many sources (Online, Mom, Dad, Grandparents, friends, neighbours and colleagues) please know that every single person’s finances, employment situation, debt load, other financial obligations, credit score etc are vastly different and unique.
The differences in each mortgage request will mean different requirements for different people.
Mortgage rules have changed immensely and aggressively in the past 10 years and the approval process may be different for you than it was for your friend.

Saving for a down payment is often one of the biggest challenges.


The source of your down payment could come from your own savings, a gift from a family member, your RRSP if you’re a first time home buyer or from the proceeds of selling your current home.

EXAMPLES of DOCUMENTS YOU WILL NEED TO SHOW WHEN VERIFYING YOUR DOWN PAYMENT

1. Savings/Investments: If you’ve saved enough money for your down payment your lender will want to see a CURRENT 3-month history (90-day transaction history) of any account you plan on using for your down-payment. (Savings/TFSA/RRSP/etc)


Your statement will need to clearly show your name and your account number.  Any large deposits will need to be verified. Example: You sold a dirt bike and deposited $6000 into your savings account.  A few days later you transferred it to your TFSA. In these examples, you will have to provide a 90 days statement from your savings account and your TFSA.   Any transfers between accounts from one account to another will need to show a record of the money leaving one account and arriving in the other.  The lenders want to see a paper trail of where the money came from and how it got in your account.

A screenshot of a quarterly statement from last Summer just won’t do it.

2. Gifted Down Payment:  Mom and Dad (or ANY IMMEDIATE family member) can assist you with your downpayment. You will need a signed gift letter from your family member that states the down-payment is indeed a gift and no repayment is required on the funds.

The lender will also require that we show the funds have been deposited into your account no later than 15 days prior to closing.

3. Using your RRSP:  If you’re a First Time Home Buyer, you may qualify to use your Registered Retirement Savings Plan (RRSP) for your down payment.

Verifying your down payment from your RRSP is just like verifying from your savings/investment accounts.  You will need to show a 3-month history via your account statements with your name and account number on them.  Funds must have been in your account for 90 days.

4. Proceeds From Selling Your Existing Home:  If your down payment is coming from the proceeds of selling your current home you will need to show your lender a fully executed purchase and sale agreement between you and the buyer of your home.  If you have an outstanding mortgage on the property, you will also have to provide an up-to-date mortgage statement.

5. Money From Outside Of Canada:  Using funds from outside of Canada is acceptable.  The country of origin will determine the type of documents required by the lender. In some cases – some lenders require the funds are in Canada for a minimum of 30-90 days.  In these situations, it is good to review your options and timeline restrictions before starting the house hunting process.

Verifying your down payment will always require you to show documentation of where the money originated from. All large deposits need explanations and/or paper trails.

Want to make things easy?  Preparing to become a homeowner?

Use ONE bank account to save your downpayment. Avoid multiple transfers among multiple accounts. (Remember we need a 90-day transaction statement for each account that your money has moved in and out of). If you have been gifted funds from Mom, Dad, Brother, Sister etc, advise them they may need to sign a Gift letter.  If you have sold ANYTHING gets a bill of sale and deposit that amount of money directly into your bank account so that the bill of sale and the deposit match up exactly.  Been saving your TIPS? Or Birthday Money for years? GET THAT money deposited asap. It has to be in your account for 90 days before it can be used without a paper trail to authenticate the funds as per the rules above.

We can review your information now to prepare you for the future.

Thank you for taking the time to read and educate yourself on what steps you may need to take to consider homeownership.

I am here to work with you every step of the way!

Apply ONLINE or call me at 306.933.3386



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S & E Trusted Online Directories Inc
TrustedSaskatoon.com
129 21st St E #500
Saskatoon, SK   S7K 0B2
Ph: 306.244.4150

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