Trusted Tips and Resources

Trusted Tips & Resources

Emerald Park Homes your Trusted Regina & Region Home builders share a Trusted Tip on Buying a home!

Emerald Park Homes takes great pride in their workmanship, and have some of the finest tradesmen in the industry working together with them to create quality homes. Their focus is: "Our Quality Shows” and if you drive around the communities of White City / Emerald Park located just 8 minutes east of Regina on the #1 Highway, you will see signs on the lots available for your custom designed Emerald Park Home.

Put 20 years of experience in homebuilding to work for you! Emerald Park Homes are TRUSTED REGINA & REGION HOME BUILDERS and they are experts in their industry.

Here they share a Tip on Home ownership

Are you ready to build or take the leap into owning your own home?

 

So, you’ve finally decided to fulfill a lifelong dream and buy your own home… how exciting! You are ready to fulfill your dream of having a place to call your own. Buying a home is one of the biggest emotional and financial decisions you'll ever make. Prepare by learning about the process of homebuying and the responsibilities of homeownership. The differences between renting and buying a home are vast, and there's a long list of pros and cons for both options. And, remember — there is no one best decision for everyone.

Before moving forward, though, here are some questions to consider.

•Do you have the necessary financial management skills?

•How financially stable are you?

•Are you ready to take on the responsibility of all the costs involved in homeownership, including mortgage payments, repairs, and maintenance?

•Are you able to devote the time required for home maintenance? There are pros and cons for both renting and buying. Everyone must make his or her own best decision. Buying a home is not for everyone. Take a moment to think through the advantages and disadvantages of both owning and renting.

Emerald Park Homes highly recommends anyone looking at housing to do their on-line research with the professionals for Canadian housing and use the advice provided by CANADIAN MORTGAGE AND HOUSING CORPORATION. For over 65 years, CMHC has helped millions of Canadians meet their housing needs. CMHC provides mortgage loan insurance that enables you to buy a home sooner with a minimum down payment of 5%. And CMHC is there with you every step of the way — with information before, during and after your home purchase. www.cmhc.ca/en/co/buho/index.cfm

Think carefully. Are the advantages of owning your home really bigger than the advantages of renting? Are the disadvantages of owning your own home really smaller than the disadvantages of renting? If homeownership is for you, you must be both financially and emotionally ready. Buying a home isn't only about money. You should listen to your heart… and take an honest look at your lifestyle.

Take a look at some other people’s experience of homebuying in this VIDEO  

Emerald Park Homes invites you to take the short drive out to the White City/Emerald Park area located just 8 minutes east from Regina on the # 1 Highway. Our office and friendly staff welcome you to our showroom at 64 Great Plains Road.

Find Emerald Park Homes online or check out their listing here in Regina & Region Home Builders to read the wonderful things their clients have to say about them ... they are your Trusted Regina Home Builders!

 

Trusted Regina shares a Tip on the Myths of Leather !

 

 Lets quickly explore the top 3 myths of why some clients will reject Leather Furniture.

Myth #1 "Leather is hot and sticky!"

or "Leather is soo cold, especially for the basement!" Many people's experience of leather seating has been limited to the car. When the sun is beating down in a car, it can literally get hot enough to fry an egg on the dash, and of course the seats are going to be absolutely steaming. Same thing in winter...you never worry about hot buns, it is like sitting on an ice cube! Add to that, car makers are not using the highest grade leathers that breathe, and the backseat is almost always a vinyl. A good quality leather sofa set will actually breathe to some extent. If it is cool out, by the time you count to 6 seconds, it is warming to your body temperature, and is also going to disperse the heat. If it is hot out, with no air conditioning in the house and bare legs, you certainly can sweat and stick as soon as you sit down...but think of this. You are sweating whether you are sitting on leather or cloth. On leather, the sweat can be wiped off. On cloth, it sinks in, damages your foams, and is there the next time you place your face on the sofa to lay down. Enough said on that topic.

 

 

Myth #2 "We have pets and kids, leather is not in our future!"

Cloth certainly can provide a great place for kids to roughhouse and mess around without worrying about scratches and damage in the same way as you would see on a leather set. Cloth also is definitely more budget friendly when there is a low limit set on what a client can spend. Of course, there are several downfalls to cloth. Pets can just as easily snag a cloth sofa with their nails as they can scratch a leather set. Once cloth is damaged or stained, it is all over with but the tears. Good quality leather is actually very hard to puncture. You may scratch it, you may scrape it, but it isn't easy to puncture, even with teeth involved. Different types of finishes on leather can lend more durability and have less noticeable scratching. Leather is wash and wear, and is a great choice for persons suffering with allergies, as dust settles on top and can be wiped off. Cloth retains dust and odors much easier. Many people think that they can just throw their cloth cushions in the wash, but it is important to really look at the care labels. Often you will void their warranty doing this, and I have had complaints of never getting the cushions to fit back on the foam properly due to shrinking. Lastly, repairs are lot easier on a leather set, often being barely perceived and maybe looking like a natural scar in the hide. Plus the area of the fix is actually stronger than the rest of the hide! Trying to sew up a hole in cloth is a futile venture, the hole often reappears as soon as there is stress on the fix. It takes a lot to truly damage a leather set. Small surface scratches are often only noticeable to the owner, the average visitor is not going to notice these things. Cloth does have the benefit of a softer feel, and it can add warmth and texture to the look of a room. There is maintenance required though, and high traffic, food eating areas may not be best suited for cloth. Many clients  want to put cloth downstairs "for the kids", because of cost and no one really seeing it; yet this is the area they use the most in the house, watching movies, snacking with the kids and generally living on their set! Nothing can compare with the ease of care a quality leather set provides. Dog hair vacuums up in a jiffy, spills wipe off in a second.

 

Myth 3 "Leather is so expensive!"

Well, this is one that I can't really dispute. The only thing I can say is that good quality leather and a good quality cloth sofa are only going to be about 500.00 difference. If you are on a tight budget, I would much rather encourage clients to look at a cloth set of decent quality with an easy to care for synthetic fabric than go with a very cheap bonded leather. Anything besides a good quality leather set is going to be disappointing as you lose all the great things about leather...the durability, the cleanability, and most of all, the breathability! The one thing to be said is ...value. A cloth set wears out, a leather set just gets broke in. I find you get double to triple the amount of years out of a leather set compared to a cloth set. A leather set you can dress up and make look different just by different accents. A cloth set you may tire of and not be able to change the look up as easily, especially if you choose a pattern. A great compromise, and a very trendy look if you truly can't make up your mind is to have of bit of each. A cloth set can be dressed up with a beautiful leather accent chair, or a leather set can be finished off with a lively patterned accent chair and pillows.

 

 

 

 

Chris Worby a Trusted REGINA FINANCIAL EXPERT provides a Trusted Tip on RRSP and your Tax bill

Finding the shortest and safest route to any of your dreams requires planning and only with a carefully thought out financial plan can you be sure to make the most of your resources and to protect against risks along the way. At Worby Wealth Management, Chris will do his best to help you achieve those dreams with a financial plan that is tailored to your specific needs and based on your individual situation.

Let TRUSTED REGINA's FINANCIAL ADVISOR Chris Worby from Worby Wealth Management help you live your dream!

Is an RRSP the best thing to do to reduce my tax bill?

Taxes are a reality – we’re not going to get away from them anytime soon. So instead of thinking about avoiding them in any given year, we should think about reducing taxes over your lifetime. Really, it depends on your situation. If you see a raise coming down the line, it might be good to hold off on the RRSP or, if you are leaving your job soon and see a severance package coming, holding off is a good option there too. In these circumstances, a Tax Free Savings Account (TFSA) might be a better option. On the other hand, you may be reducing your hours or going on a leave of some sort in which case maxing out now might be the right option. There are also other options like Labour Sponsored Investment Funds (LSIF) – a currently popular one in Saskatchewan is Saskworks Venture – that gives an additional tax credit equal to 35% of deposit up to $5000/yr. So, again, there is no clear cut option. But, as I always say, I’d rather pay tax on money I have than not pay tax on money I don’t have!

 

 

 

Call Chris Worby at  (306) 757-4747 ext 226  or on his Cell: (306) 737-2909. Check out his listing on the Regina Directory in the REGINA FINANCIAL SERVICES category   . Chris is a Trusted REGINA FINANCIAL EXPERT

 

 

Radio Centre our Trusted REGINA AUDIO & VISUAL EXPERTS share a Trusted Tip on home Theatre

Radio Centre Consumer Electronics has been serving Regina since 1948 and is 100% locally owned and operated by Tim Parson and Rene Fahlman. What began as a small radio shop has transformed into a full service electronics store. From buying to installing to service, Radio Centre (www.radiocentre.ca/) is the place to visit when you're shopping for electronics in Regina..they are your TRUSTED REGINA AUDIO & VISUAL EXPERTS

Radio Centre's latest Tip is on Home Theatre in a box!

 

 

 

 

Radio Centres store is on Dewdney in this beautiful old Building..you can't miss em!  See their listing here and read the great customer testimonials here in the REGINA AUDIO & VISUAL category on the REGINA DIRECTORY of Local Experts! 

RMD Trusted Regina Alarm & Security expert share their first Trusted tip

RMD Security has been in business in Saskatchewan since 1983. They understand how important quality products are when it comes to your home security system. Whether they are installing a system for a large commercial contract or a residential client, you can trust they will do a professional job. They have highly trained and Certified technicians that are on call 24hrs a day for your convenience. RMD Security is an authorized HONEYWELL security products dealer and they are a TRUSTED REGINA ALARM & SECURITY EXPERT

Here they share the answer to a common question they get asked regarding home security systems...

Do I have to have an RMD installed system in my house in order to become a customer? Or can you work with the system I have? 

 We get asked this question a lot, and the answer is no, you don't have to have on of our systems installed in order for us to monitor you. In the majority of situations, we are able to take over the existing system and monitor your home. If you call the office and set up an appointment, one of our qualified technicians will be able to come and check out what you have already and then program everything so we can monitor your home using that system that you already have. So no invasive work has to be done to upgrade your product to work on our monitoring system. Its as easy as that!

 

Find RMD Security online here   . RMD Security are Trusted Regina Alarm & Securty Experts- see what their clients had to say about them on their listing here on the Regina Directory!

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