Trusted Tips and Resources

Trusted Tips & Resources

REGINA VETERINARY Experts on the REGINA DIRECTORY share a Trusted Tip on Intestinal Parasites

A shocking Trusted Tip on Worms!

Intestinal Parasites

Lots of puppies and kittens are born with worms! These internal parasites can cause vomiting, diarrhea, weight loss or failure to grow, and very rarely death. Over 10,000 cases of animal roundworms cause illness in children every year in some parts of the world.

Your veterinarian will prescribe an effective dewormer for all puppies and adult dogs, if indicated (according to lifestyle). So that you may better understand the problems internal parasites may cause, and what signs to look for, we have included a short description of the six most common types of intestinal parasites.

ROUNDWORMS - Are the most common type of intestinal worm. They are 2-4 inches long and resemble strands of spaghetti. They may cause vomiting, diarrhea or weight loss. They are transmitted through the stools of other infected dogs or cats, or through the uterus of the mother to her unborn babies. Entire worms can sometimes be seen in the stool or vomit of infested animals.

HOOKWORMS - Are half-inch long worms which attach to the lining of the small intestine, causing blood loss and diarrhea. Puppies and kittens can become infected through the mothers uterus before birth, or via her milk after birth. Older animals acquire hookworms from skin contact with stool from infected animals.

WHIPWORMS - Are not as common as other intestinal parasites but the disease they cause can be very serious. Bloody diarrhea and weight loss, are the symptoms seen. These worms are transmitted by ingestion of the stool of infested animals.

TAPEWORMS - Live in the small intestine, where the head attaches to the intestinal wall and produces a chain of segments. Mature segments containing the eggs are passed with the stool, or may be seen around the rectum. They resemble small grains of rice. They may be acquired by ingestion of rodents, birds, or most commonly, through the ingestion of fleas. Flea control is essential to control tapeworm infestations.

COCCIDIA - Are one-celled protozoan parasites, more like bacteria rather than "worms". Puppies and kittens can pick these up from their mothers or from eating rabbit or other wildlife droppings. They are treated with antibiotics.

GIARDIA - Are also a protozoan. They are very difficult to pick up on a regular stool check. Antibiotics or special wormers kill them but they are difficult to eradicate completely and often flare up with stress or other intestinal problems. They are contagious to humans and cause vomiting and diarrhea.

HEARTWORMS - Are a deadly parasite carried by mosquitoes. Risks vary according to place of residence and areas you travel with your pet. At this time, Saskatchewan is considered to be free of Heartworm risk. We will update you of any increased risks at your annual exam visits.

For more information, please read this pamphlet on Pets, Parasites and People.

Check out the listings here in the Vets and Pets category on THE REGINA DIRECTORY directory of experts. Here are some pictures  ( very magnified ) of some of the the nasty critters!

 

Tapeworm

 

The ' Handsome'  Hookworm

 

A Dog infected with WHIPWORMS

Stay Trusted my friends..SAFE and TRUSTED Of course!

Trusted REGINA MORTGAGE expert shares a Trusted Tip : What it takes really takes to buy a home!

Buying a house is a real pain in the neck. Even for the most seasoned buyer - it's nearly impossible to be completely prepared for the journey...something ALWAYS comes up...and just when you think you have overcome every objection and provided every piece of paper possible...you find out "more information is required". It's frustrating and tiresome. So, how can someone prepare for the Joy's (HAHAHAHAHA...that's funny for so many reasons!) of becoming a homeowner?

While it's far from a complete recipe...here is a gentle nudge in the right direction. Keep in mind as you read this...this information is coming from a guy who has bought and sold numerous homes and has nearly a decade of being on the front line of the Mortgage process. While it seems a little "sharp" to read...it's probably close to the best information you can get. No sugar added - just 100% pure, unadulterated, FACT!

STEP ONE: Know what you can afford for a monthly payment...it's not what you think!

Just because you pay rent for $1200.00/month and are accustomed to it...doesn't mean that's what you can QUALIFY for based on the rules that exist...of which there are plenty! I can't stress this enough. Before you do anything else - sit down with a calculator and figure this out. Its actually not that hard. I will do my best to make it clear.

• Take your Gross (this is the number before deductions) MONTHLY income and multiply it by 42% - this gives you the MOST outstanding debt you can have that includes your mortgage, property taxes, condo fees, heat, credit cards, loans, lines of credit, etc. This is referred to as the Total Debt Service Ratio. An example will follow - stay tuned.

• Take your Gross ANNUAL MONTHLY income and multiply it by 32%...this will let you know the most you have to spend on HOUSING COSTS...Mortgage, Property Taxes, Condo Fees, Heat. This is called the Gross Debt Service Ratio.

Example: Gross Monthly Income: $5000.00 ($60,000.00 ANNUAL Earnings).

• TDS: $5000.00X42% = $2100.00

• GDS: $5000.00X32% = $1600.00 (This number may be revised based on other Credit Debt)

• Assume the following: $150.00/month for Property Taxes and $75.00/month for Heat.

• Assume the following DEBTS: Car Loan $320.00/month, Master Card at $90.00/month, and a Student Loan with $180.00/month payments.

Based on this scenario - the most this situation would permit for a Mortgage is based on the credit subtractions from the TDS...which will then marginally adjust the GDS. So take the $2100.00 and subtract all the credit items (2100.00 - 320.00 - 90.00 - 180.00 = $1510.00 Revised GDS). Now to figure out the mortgage (referred to as Principal and Interest) you have to take the Revised GDS and subtract the Property Taxes and the Heat costs (1510.00 - 150.00 - 75.00 = $1285.00 Principle/Interest MAX Payment).

That's anywhere from a $275,000.00 to $300,000.00 Mortgage Amount.

Of course there are some variables we still have to take in to account...such as size of down payment and whether or not we need the good folks at CMHC.

STEP TWO: Have the BASIC information at hand when applying for a Mortgage.

The most common documents are rather simple:

• A Letter of Employment that confirms your position, start date, annual earnings, work probation status, etc. Of course this letter should be on Company Letterhead and of course should be signed and dated by someone who can VERBALLY verify the contents of it should the lender call to confirm the details.

• A Pay Stub or two is also good to have on hand...preferably as current as possible up to 30 days old.

• Additionally - a VOID Cheque or Pre-Authorised Payment Form from the account you want to have your mortgage payments come from is also going to be required.

• A Solicitor accompanied by the Contact information is also good to have - don't worry, if you don't have one...most Brokers have multiple contacts for you to draw on.

Of course if you are Self Employed, or you make a ton of overtime or are commissioned based...there will be some other items requested in order to prove your income - best to actually speak to your broker to be totally sure what you need...doesn't hurt to call ahead. Be prepared with 2 most recent tax years (T1 Generals and NOA's)....it's lines 150 and 236 that we want to see!

STEP THREE: Realize that a Mortgage is a big deal...and must be treated as such.

In a world of microwave dinners and self serve checkout lanes built for your "convenience"...understand that your mortgage should not be treated in this fashion. If you want it done right - you want it done by the right person...a full time PROFESSIONAL. True, we can be mobile...but only to a certain degree...once we leave our office, we potentially leave a lot of our proverbial tools behind. We aren't plumbers...but hey for the amount a plumber charges for a service call, maybe we ought to be! And hiring a "Part Time" broker is probably the most detrimental decision you could make...when a problem arises, and that is entirely plausible, your broker better not be a stay at home mom cleaning up lego, or unavailable to you because they are working at their other job! It makes sense that your broker is available when it counts! Simply put - take the time to meet with your broker...if that means you have to schedule an appointment after work or you have to take time off work - it's important to understand that your Mortgage process is not the same as a Drive Thru. Quite honestly, you put yourself at risk by having a stranger over to your home...and more importantly the job is not likely to be done right the first time. While many people SELL themselves as professionals, and they may have plenty of education and know how behind them...you may get more than you bargained for...like really bad advice from truly unqualified people.

At FOCUS Mortgage Solutions - it's all about YOU! It's certainly not about us - because quite frankly we wouldn't be here if not for you. We are pleased that we have a large client base with over a 60% retention rate...and we hope you will be one of them!

Our service is Free - and we love what we do! We have the lowest rates in the country that the banks only dream they could offer...but we aren't in the sharing mood when it comes to them. There is a funny saying out there...how does it go againjQuery15203564789609444766_1336494858003 Oh yeah, "Give a man a gun and he can rob a bank. Give a man a bank and he can rob everyone!"

check out the TRUSTED Regina Mortgage brokers ...they are your REGINA MORTGAGE EXPERTS!

 

Reed Security our Alarm & Security Sytems expert provides a TRUSTED TIP on Home Security Tips when you go on vacation

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 Commercial Alarm & Security needs in Regina from day one!

This Tip is for homeowners leaving their home empty to go on vacation.

Home Security Tips

1. Use Common Sense.

• If you lose a key, get the locks changed.

• Ask all strangers for identification.

• Never hide an extra key outdoors - especially underneath a mat or on top of a light fixture. This is the first place the bad guys look. Leave an extra house key with a friend or a neighbor.

2. Make it Difficult.

• Door chains are easy to bypass. Install deadbolts.

• Install a stopper or stick on all sliding doors and windows.

• Install window bars on all basement windows.

• Install exterior motion lights.

3. Break-in's Occur When You Are Away.

• Make sure all doors and windows are properly locked.

• Keep your premises well lit at night. Install timers that turn lights on at different times. This gives the appearance that someone is home.

• Test your alarm system regularly.

• Make sure your alarm is Armed when you leave.

• Consider installing alarm.com by Reed Security.

• If you are travelling, have someone look after things such as collecting your mail and newspapers, cutting your lawn and shoveling your driveway.

• Advise our Rapid Response Monitoring Station you will be away.

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

 

 

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Regina, SK   S4R 1P3
Ph: 306.529.8558

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