Trusted Tips and Resources

Trusted Tips & Resources

Trusted Regina Realtor and Regina Real Estate Expert shares a Trusted Tip for First Time home buyers on the Regina Directory.

In today's competitive real estate market, timing is everything. Many good homes are sold before they are ever advertised. Whether you are buying or selling a home, hire a Trusted Realtor, who wants to earn your business, and works hard to get you results!

 

 Regina Real Estate Tip

 

Thinking About Buying Your First Home?

With interest rates low, many renters are starting to think about purchasing a home of their own. While simple rental cost vs. mortgage cost comparisons can be very attractive, buying a home is a serious commitment, and there are many factors to consider:

  • How long you plan to live in the home. Selling a home costs money. If you potentially may have to move in the short term, the value of your home may not have appreciated enough to cover the costs of buying and selling. The length of time that it will take to cover those costs depends on various economic factors. Average appreciation tends to sit at around 5% per year. In this case, you should plan to stay in your home at least 3-4 years to cover buying and selling costs. The real estate market can be particularly volatile, however, and dramatic swings up and down are not uncommon.
  • How long the home will meet your needs. What features do you require in a home to satisfy your lifestyle now? Five years from now? People tend to remain in homes longer than they initially intend, primarily due to the work and expense associated with moving. Therefore it is worth considering a home with room to grow. Could the basement be turned into a den and extra bedrooms? Could the attic be turned into a master suite? Having an idea of what you'll need will help you find a home that will satisfy you for years to come.
  • Your financial health - your credit and home affordability. Is now the right time financially for you to buy a home? Would you rate your financial picture as healthy? Is your credit good? While you can always find a lender to lend you money, people with poor credit tend to pay far more to borrow. Some say that you should refrain from borrowing as much as you qualify for because it is wiser not to stretch your financial boundaries. The other school of thought says you should stretch to buy as much home as you can afford, because with regular pay raises and increased earning potential, the big payment today will seem like less of a payment tomorrow. It is, however, important to stay within your comfort zone. Purchasing a house involves many up-front and ongoing costs, and the stress of worrying about those costs often outweighs the satisfaction that may come from owning a slightly nicer home.

 

 

 

To determine how much home you can afford, talk to a lender or go online and use a home affordability calculator. Good calculators will give you a range of what you may qualify for. Then call a Trusted Mortgage Broker. While some may say that the "28/36" rule applies, in today's home mortgage market, lenders are making loans customized to a particular person's situation. The "28/36" rule means that your monthly housing costs can't exceed 28 percent of your income and your total debt load can't exceed 36 percent of your total monthly income. Depending on your assets, credit history, job potential, and other factors, lenders can push the ratios up to 40-60% or higher.

While we're not advocating you purchase a home utilizing the higher ratios, it’s important for you to know your options. Where the money for the transaction will come from. Typically, homebuyers will need some money for a down payment and closing costs. However, with today's broad range of loan options, having a lot of money saved for a down payment is not always necessary - if you can prove that you are a good financial risk for a lender. If your credit isn't stellar but you have managed to save 10-20% for a down payment, you will still appear to be a very good financial risk to a lender. High-ratio mortgages can be a good option for those who haven’t managed to save a large chunk of money (who has?), but naturally, these have additional costs associated with them.

  • The ongoing costs of home ownership. Maintenance, improvements, taxes, and insurance are all costs that are added to a monthly house payment. If you buy a condominium or townhouse, a monthly homeowner's association or maintenance fee will be required. If these additional costs are a concern, you can make choices to lower or avoid these fees. Be sure to make your Realtor® and your lender aware of your desire to limit these costs. If you are still unsure if you should buy a home after making these considerations, you may want to consult with an accountant or financial planner to help you assess how a home purchase fits into your overall financial goals.

 

 

Find listings in REGINA REAL ESTATE on the Regina Directory of Trusted Businesses...we know you won't be dissapointed!  

Why choose a Trusted Regina MORTGAGE EXPERT

When you choose a Trusted Regina Mortgage Broker, you can be confident that they will do the legwork, number-crunching and negotiating on your behalf and in your best interest, delivering financing solutions that make the most sense for YOU..they are open and honest and they work for YOU! 

Trusted Tip....on Canada's future prospects are good

Despite the continuing crisis in the Eurozone and the still sluggish US economy, there is still good news for the Canadian economy. Although growth has slowed and inflation is clearly in check at 1.3%, Canadians are optimistic about job security; the real estate market is balancing itself out; and consumer debt is under control. The real estate market in the country's three major cities - Vancouver, Toronto and Montreal have softened somewhat, but mainly in the condo market. While most parts of the country have seen a slowdown in sales activity, there is probably no need to be concerned for the future given the changing demographics. A study by the Bank of Montreal (BMO) found nearly two-thirds, or 64% of respondents, are optimistic about their job security. And 41% believe their company will be growing and hiring in the future. This optimism exists despite job losses in July, which are likely due to seasonal adjustments, and relatively high unemployment at 7.3%, but still below historic norms. Wages will rise modestly in the next twelve months, led by non-union employers and will stay ahead of inflation according to BMO economist Sal Guatieri, which will support household purchasing power. With Finance Minister Jim Flaherty calling on Canadian businesses to use its cash reserves to invest in the economy and the Bank of Canada Governor Mark Carney telling Canadian companies with substantial cash assets to give back to shareholders, it's likely employee optimism is justified.

 

On the home front, a report by CIBC examined the changing demographics and found that the housing market will stay strong over the next 10 years. House prices may decrease but will stabilize. The vast majority of first time home buyers are between the ages of 25 and 34. The number of Canadians in this age group will grow and housing demand will see an annual growth of 9%, which is roughly the same growth as we have seen in the last ten years. So what's going on right now? The real estate market has slowed somewhat but people are still purchasing in most areas of the country. Prices are coming down for single residential dwellings. Mortgage interest rates are historically low and we are starting to see some discounting again of variable rates. The pace of growth in the economy has slowed but there are still jobs available. Inflation is in check, consumers are still shopping, and managing their debt loads. Overall, it's business as usual for consumers.

 

 

Plumbing, Heating & Air Conditioning Regina share a Trusted Tip on your Gas Furnace

 TRUSTED REGINA AIR CONDITIONING AND REGINA FURNACE EXPERTS

 

Here they share a Tip on what to check BEFORE you call them if your GAS Furnace has stopped working!  

 

 

  • Check the settings on your thermostat. Make sure the temperature control selector is set above the current room temperature, and the system switch is on the HEAT or AUTO position.
  • The fan switch should be set to ON for continuous airflow or AUTO if you want the blower to operate only while the furnace is operating.
  • Try to get the furnace to turn on by raising the thermostat to its highest temperature setting.
  • If the air flow out of your registers seems low, check the air filter. An extremely dirty air filter can block air flow.
  • Make sure all registers are open and not obstructed.
  • Check the power disconnect switch by the furnace.
  • Check the fuse/breaker at the electrical panel for the furnace.
  • Check to make sure the gas control valve to the furnace is open.
  • Check the pilot light. (Electronic ignitions will not have a pilot light).

 

If the problem persists, please call Regina Air Conditioning & Furnace or the Regina Plumbing category- they are YOUR Trusted Regina Heating and Cooling experts! 

 

Trusted Regina Pet Store share a Trusted Tip on RAW Food diets for Dogs and Cats

Feeding your Pet Dogs and Cats Raw Meat

 

In this video Dr. Karen Becker talks about raw meat diets for pets – why there’s nothing to fear and so much to gain by serving your dog or cat the food nature intended him to eat. Dr. Becker's Comments: Today I'd like to discuss the reason why dogs and cats can, and should, eat raw meat. This is one of the most frequent conversations I have with startled visitors to my home who say, 'My gosh! You feed your pets raw meat?' … as well as clients at my Natural Pet animal clinic who already feed or would like to feed their pets raw, but are getting an argument from their own veterinarians about raw food diets for dogs and cats. The whole debate about raw food doesn't make a lot of sense to me. Dogs and cats have consumed living, raw meats for thousands of years.

To this day barn cats catch and kill mice, and no one calls poison control. Farmers also don't call poison control when their dog finds a litter of baby bunnies and pops them in their mouth like little Tootsie Rolls. In these cases, no one thinks to induce vomiting or say, 'Oh my gosh! My pet just ate raw meat!' The truth is both cats and dogs are designed specifically to consume raw meat. Their bodies are adapted to process raw, living foods.

Fast Food is Bad for Pets, Too The first bags of commercial pet food entered the market about a hundred years ago. From a historical perspective, processed dog and cat food is a relatively new phenomenon. However, your pet's GI tract has not evolved in those hundred years to make good use of an entirely kibble-based diet – and it never will. Fortunately, the bodies of dogs and cats are amazingly resilient and therefore capable of handling foods that aren't biologically appropriate, like most dry pet foods. Unfortunately, this adaptability has led to a situation of 'dietary abuse' among the veterinary community.

Commercial pet foods – especially dry bagged foods – are so convenient the majority of vets recommend them to all their patients. Processed dog and cat food is convenient, inexpensive, and there's no preparation or cleanup required. You stash the bag in the pantry, scoop out a portion at meal time, drop it into your pet's food dish and you're done. Because commercial pet food has been so successfully marketed (dog and cat food products are a multimillion dollar industry, after all), and because pets' bodies are resilient and can survive, if not thrive on the stuff, we have been lulled into a sense of complacency about the food we feed our precious four-legged companions. Most veterinary students don't learn about species-appropriate pet diets in vet school. The only food discussed is processed, commercial pet formulas. The concept of feeding a living food diet is foreign to many vets. If a client mentions he feeds raw, the vet will ask, 'Why don't you just feed your cat regular cat food, for crying out loud? Why do you need to make food? Why do you need to feed living foods?'

It doesn't take much research to uncover the fact that dogs and cats are designed by nature to eat living foods – unprocessed, raw, nourishing foods. Feeding a commercial formula is a bit like deciding your child can be healthy on an exclusive diet of meal replacement bars. No real food, just meal replacement bars. A meal replacement bar is fine now and then, but no sane parent would ever consider raising a child on just those alone. Yet that's what we're doing when we feed our pets nothing but commercial, processed foods. Living foods in your pet's diet are necessary for successful overall immune and organ function.

 

Eliminating Parasites

It seems the biggest problem most people have with a raw meat diet revolves around parasites. Parasites – roundworms, hookworms, tapeworms – are passed up the food chain and wind up in the guts of animals. We don't feed guts to our pets! If you buy a commercially available raw food diet, you will not find guts in the formula because guts contain parasites. If you prepare a homemade raw diet for your dog or cat, you don't include guts. Do not feed the stomach and small and large intestines. Those are the parts of the prey we get rid of, because those are the parts that harbor parasites. Muscle meat – the part of the prey used to prepare raw food diets – is sterile except in rare instances when parasites escape the GI tract (guts) and travel there. Certain parasites, like toxoplasmosis, that get into muscle meat can make your pet sick, which is why you should freeze raw meats for three days before feeding them to your dog or cat. By freezing meats three days before serving (a lot like how sushi is handled), and by removing the guts of prey species, you can successfully avoid exposing your raw fed pet to parasites.

 

Salmonella and Your Pet

The second most frequently asked question I get about raw meat diets is, 'What about salmonella?' The most important thing to understand about salmonella or any other potentially pathogenic bacteria is that contamination absolutely does occur. It's a fact of life. Salmonella is the reason for most recalls of dry pet foods (and human foods as well). When a salmonella outbreak occurs, there has been contamination in the food chain. The word Salmonella is used to describe over 1,800 serovars (species) of gram-negative bacteria. This bacteria lives in many species of mammals. The most common bacteria riding around in your dog or cat is Salmonella typhimurium. I want to quote from an article titled Campylobacter and Salmonella-Associated Diarrhea in Dogs and Cats: When Do I Treat? It was written by Stanley L. Marks, BVSc, PhD, DACVIM (Internal Medicine, Oncology), DACVN, Davis, CA, for the Veterinary Information Network (VIN): "The clinical significance of bacteria such as clostridium and salmonella causing diarrhea or illness in dogs and cats is clouded by the existence of many of these organisms as normal constituents of the indigenous intestinal flora. The primary enteropathogenic bacteria most commonly incriminating in canine and feline diarrhea is Clostridium perfringens, Clostridium difficile, Campylobacter, and Salmonella. Veterinarians are faced with a quandary when attempting to diagnose small animals with suspected bacterial-associated diarrhea because the isolation rates of these pathogenic bacteria are similar in diarrheic and non-diarrheic animals, and because the incidence of bacterial-associated diarrhea is extremely variable. Salmonella species are commonly isolated from both healthy and hospitalized dogs and cats." What this is saying, in a nutshell, is dogs and cats naturally have some Salmonella in their GI tracts much of the time – it's not some unknown foreign invader but rather one their bodies are familiar with.

If you're familiar with reptiles, the situations are similar. Reptiles are known to naturally harbor Salmonella in their GI tracts. In an article written by Rhea V. Morgan DVM, DACVIM, DACVO for the VIN, the doctor asserts the following about illness resulting from salmonella: "Factors that increase the likelihood of clinical disease from Salmonella include the age of the animal, poor nutrition, the presence of cancer or neoplasia, and other concurrent diseases and stress, as well as the administration of antibiotics, chemotherapy or glucocorticoids [which are steroids]." The bottom line is potentially harmful bacteria reside in your pet's GI tract whether you feed raw foods or the processed stuff. In other words, your pet is already 'contaminated' with Salmonella. Dogs and cats are built to handle bacterial loads from food that would cause significant illness in you or me. Your pet's body is well equipped to deal with heavy doses of familiar and strange bacteria because nature built him to catch, kill and immediately consume his prey. Your dog's or cat's stomach is highly acidic, with a pH range of 1-2.5. Nothing much can survive that acidic environment – it exists to keep your pet safe from potentially contaminated raw meat and other consumables. In addition to the acid, dogs and cats also naturally produce a tremendous amount of bile. Bile is both anti-parasitic and anti-pathogenic. So if something potentially harmful isn't entirely neutralized by stomach acid, the bile is a secondary defense. And your pet's powerful pancreatic enzymes also help break down and digest food.

 

Keeping Your Pet's GI Tract in Good Shape

To help your pet's digestive system remain strong and resilient enough to handle a heavy bacterial load and to support overall immune function, there are several things you can do.

•Number one, minimize stress by feeding a species-appropriate diet, the kind your dog or cat is meant to eat. It's important to feed vegetarian food to vegetarian animals, and meat-based food to your carnivorous dog or cat.

•Minimize the drugs your pet takes, such as antibiotics. Reseed the gut during and after antibiotic therapy with a probiotic. It's also a good idea to maintain your dog or cat on a daily probiotic to balance the ratio of good to bad bacteria (gut flora).

•A good-quality digestive enzyme will help promote your dog's or cat's body to get the most out of the food you feed. Providing your favorite pooch or feline with a balanced, biologically sound diet, a healthy lifestyle, digestive enzymes and probiotics, will nourish your pet, support healthy immunologic function, and bring overall vibrancy to her body. This is in direct contrast to feeding a commercial formula of highly processed rendered byproducts, chemicals and grains – the typical mainstream pet food sold today.

The sooner you transition your dog or cat to the kind of diet she was designed to eat, the sooner she will be on her way to vibrant good health.

 

 

 

original article - http://healthypets.mercola.com/sites/healthypets/archive/2011/02/15/raw-meat-the-best-and-healthiest-diet-for-pet-cats-and-dogs.aspx

 

Trusted Regina.com Talk to the Experts- The Trusted Show - What is Trusted about and what kind of Businesses are Trusted?

www.trustedregina.com is proud to be hosting a Talk to the Experts show " The Trusted Show' Every Month on Newstalk 980 ..the first show aired Sept 1st .  Sara Wheelwright the Trusted founder and 3 Trusted Partners- Candyce from Shear Escape a Trusted REGINA Salon Harry from  Trusted Regina Audio Expert and a Trusted Regina Flooring expert joined Dave Arnold to chat about Trusted and to answer our Regina Facebook Fans 

Listen to the 2 Shows below on the Trusted Channel for Parts 1 ENJOY!!

 

Part 1

 

 

 

 

Laura a Trusted Regina Facebook fan Congrats..Dave picked your GREAT question and you win an a wonderful Prize package from the Trusted Regina Directory Experts!! It always pays to be a fan or a follower ( on twitter @Trustedcanada  ) of Trusted! Contests and things to be won all the time!

Categories

Previous Posts

ADDRESS

S & E Trusted Online Directories Inc
Trusted Licensee: Bonne Idée
TrustedRegina.com
1307 Ottawa Street
Regina, SK   S4R 1P3
Ph: 306.529.8558

GET THE APP

App Store Google Play
Follow us on Facebook Instagram Linked In Twitter YouTube RSS Feed
Abex
Abex
Stevies
Sabex
NEYA
Website hosting by Insight Hosting