Trusted Tips and Resources

Trusted Tips & Resources

Chris Worby your Trusted REGINA FINANCIAL planner and wealth management expert provides a Trusted Tip on Investing

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!

No school like the old school.

You know the old adage ‘Buy, hold, prosper?’

I prefer an even older one, ‘buy low, sell high.

- Buy and hold only works in certain market conditions -

Sell discipline is the hardest thing to have - Knowing what to do and when to do it pays!

 One of the problems with investing today is that interest rates are low. Another one is that the market seems to give some good gains for a while and then lose everything you got over the past few years. We call this kind of a market a sideways trading market and there’s only one way to make money in it: Buy Low, Sell High. This means doing the opposite of what everyone is saying.

When the complacency is high and people are chasing a little more gain, you need to sell. When people are scared and times are tough, you need to buy. This is where professional guidance can pay off the most. Having someone by your side, helping you make these tough decisions with a system of dependable signals can be invaluable and help you feel as though you are not adrift in the sea of the financial markets. And that’s why I call this old school investing. Nothing gives you gains like buying low and selling high.

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 and your Trusted Regina Financial planner



TRUSTED REGINA Disaster Services EXPERTS have a helpful Trusted Tip on Why a Shower is Essential to Asbestos Abatement

Trusted REGINA DISASTER RECOVERY SERVICES WINMAR  provides expert advice and world class service! They have certified consultants who are there for you 24/7 for  Mould remediation, disaster response services, fire and flood damage & restoration throughout Saskatchewan.


Why is a Shower Essential to Asbestos Abatement? 

Earlier this week,a news article reported that a woman died from mesothelioma after years of washing her husband and son’s overall’s which were contaminated with asbestos dust. When they came home from work, they brought the asbestos fibres with them and when she washed the clothes, she breathed in the fibres and eventually died from mesothelioma.

This is a sad story, but this is a reality that many workers and their families are dealing with throughout the world where asbestos is used on a daily basis. In fact, the WHO estimates that more than 100,000 workers will die of asbestos related diseases each year. The tragic part of this reality is the fact that these workers will most likely contaminate their homes with the asbestos dust, which in turn, will negatively impact the health of their families. Asbestos is scary because of the simple fact that it causes death and should be completely banned throughout the world!

The key to ensuring long term health if asbestos is found in a home or building is to ensure that professionals are hired to remove the asbestos. The term used is “asbestos abatement“, which simply means the process of removing or containing the asbestos so that the asbestos fibres can not become airborne.

The process of removing asbestos is exactly the same as mold removal with the exception that a shower must be set up to prevent workers from taking asbestos fibres home with them.

The first step is to take samples, which should be done by a professional who sends the samples to a lab for testing. Once it is confirmed that asbestos is present, then the abatement process can begin.

The top priority of an asbestos abatement professional is to prevent asbestos fibres from traveling freely in the air. For this reason, the next step after asbestos is confirmed is to set up a proper containment so that the fibres that do become airborne are not allowed to travel outside of the contained area. Once the containment is set up with negative air pressure, the process of removing the asbestos can begin. All contaminated materials must be disposed according to industry and geological standards and regulations.

Once all asbestos materials are removed, the air quality should be tested by a Third Party environmental consultant before any reconstruction begins.

To learn more about asbestos, check out these links.

What Percentage of Lung Cancers are Caused by Asbestos?

Saskatchewan, First Canadian Province, to Create Asbestos Registry

Canadian Asbestos Regulations

How Many People Die From Asbestos Each Year?

10 Interesting Facts About Asbestos in the USA [Infographic]

Renovating? Read This Message From Our President!

10 Interesting Historical Facts About Asbestos [Infographic]

ADAO – Asbestos Disease Awareness Organization

The Asbestos Epidemic in America

WHO | Asbestos: elimination of asbestos-related diseases

The Jig Is Up For The Asbestos Industry!

Canada’s Asbestos Industry Could End!

Elliot Lake, Ontario Residents Exposed to Asbestos Dust

Should I Be Concerned About Asbestos?

The Politics of Asbestos: Canada’s Ugly Secret

Quebec Pumps $58 Million into Certain Death

Why is Asbestos so Scary?

Got Asbestos?

Asbestos Removal and Abatement

Asbestos Is The “Ideal Carcinogen”

Winmar are your REGINA DISASTER SERVICE experts on the REGINA DIRECTORY of excellence.



Reed Security a Regina Alarm and Security Expert provides a TRUSTED TIP on The Simon XTi Interactive Security System

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 Regina Alarm & security needs from day one!

Reed Security provides a great tip on The Simon XTi interactive security system: 

The Simon XTi interactive security system is the perfect choice for most residences and small businesses.

It's packed with many features such as 2Way live voice - which allows you to speak directly to our emergency operators via the keypad when time matters most.

The touchscreen comes with Emergency fast action keys to quickly summon the Police, Ambulance, and Fire Department.

When you subscribe to our optional Reed Interactive Services you can control your lights, your thermostat, your locks and view cameras.

And while quantities last you qualify for a *FREE Simon XTi Upgrade (a $200 value).

Click Here for a System Demo

Compare Our Rates

Contact Reed Security today for more information or to take advantage of this special offer.


-New Clients that sign a 3 year monitoring agreement. You get the wholesale rate of $5 a month for the first year and it's only $19.95 a month for years 2 and 3.

-People that have an existing alarm with another security company. -

-People that want to install a new alarm system. Full packages start at only $299.

-If you have Reed Security at Home and you want for your Business - you qualify....And vice versa.

-We also want to show our appreciation to Existing clients. If you have completed your first 5 years of service you qualify. We may have to adjust your monthly rate and term.

-The Simon XTi is not compatible with all existing security systems. Please consult Reed Security.

Find Reed Security online at  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! 


Trusted Regina Realtor and Regina Real Estate Expert shares a Tip on Mistakes to Avoid When Buying a Home

 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

8 Mistakes to Avoid When Buying a Home:


You’ve been saving for awhile, weighing your options, looking around casually. Now you’ve finally decided to do it—you’re ready to buy a house. The process of buying a new home can be incredibly exciting, yet stressful, all at once. Where do you start?

It is essential you do your homework before you begin. Learn from the experiences of others, do some research. Of course, with so many details involved, slip-ups are inevitable. But be careful: learning from your mistakes may prove costly. Use the following list of pitfalls as a guide to help you avoid the most common mistakes.

1. Searching for houses without getting pre-approved by a lender:

Do not mistake pre-approval by a lender with pre-qualification. Pre-qualification, the first step toward being pre-approved, will point you in the right direction, giving you an idea of the price range of houses you can comfortably afford. Pre-approval, however, means you become a cash buyer, making negotiations with the seller much easier.

2. Allowing “first impressions” to overly influence your decision:

The first impression of a home has been cited as the single most influential factor guiding many purchasers’ choice to buy. Make a conscious decision beforehand to examine a home as objectively as you can. Don’t let the current owners’ style or lifestyle sway your judgment. Beneath the bad décor or messy rooms, these homes may actually suit your needs and offer you a structurally sound base with which to work. Likewise, don’t jump at a home simply because the walls are painted your favourite colour! Make sure you thoroughly the investigate the structure beneath the paint before you come to any serious decisions.

3. Failing to have the home inspected before you buy:

Buying a home is a major financial decision that is often made after having spent very little time on the property itself. A home inspection performed by a competent company will help you enter the negotiation process with eyes wide open, offering you added reassurance that the choice you’re making is a sound one, or alerting you to underlying problems that could cost you significant money in both the short and long-run. Your Realtor can suggest reputable home inspection companies for you to consider and will ensure the appropriate clause is entered into your contract.

4. Not knowing and understanding your rights and obligations as listed in the Offer to Purchase:

Make it a priority to know your rights and obligations inside and out. A lack of understanding about your obligations may, at the very least, cause friction between yourself and the people with whom you are about to enter the contract. Wrong assumptions, poorly written/ incomprehensible/ missing clauses, or a lack of awareness of how the clauses apply to the purchase, could also contribute to increased costs. These problems may even lead to a void contract. So, take the time to go through the contract with a fine-tooth comb, making use of the resources and knowledge offered by your Realtor and lawyer. With their assistance, ensure you thoroughly understand every component of the contract, and are able to fulfill your contractual obligations.

5. Making an offer based on the asking price, not the market value:

Ask your Realtor for a current Comparative Market Analysis. This will provide you with the information necessary to gauge the market value of a home, and will help you avoid over-paying. What have other similar homes sold for in the area and how long were they on the market? What is the difference between their asking and selling prices? Is the home you’re looking at under-priced, over-priced, or fair value? The seller receives a Comparative Market Analysis before deciding upon an asking price, so make sure you have all the same information at your fingertips.

6. Failing to familiarize yourself with the neighbourhood before buying: Check out the neighbourhood you’re considering, and ask around. What amenities does the area have to offer? Are there schools, churches, parks, or grocery stores within reach? Consider visiting schools in the area if you have children. How will you be affected by a new commute to work? Are there infrastructure projects in development? All of these factors will influence the way you experience your new home, so ensure you’re well-acquainted with the surrounding area before purchasing.

7. Not looking for home insurance until you are about to move:

If you wait until the last minute, you’ll be rushed to find an insurance policy that’s the ideal fit for you. Make sure you give yourself enough time to shop around in order to get the best deal.

8. Not recognizing different styles and strategies of negotiation:

Many buyers think that the way to negotiate their way to a fair price is by offering low. However, in reality this strategy may actually result in the seller becoming more inflexible, polarizing negotiations. Employ the knowledge and skills of an experienced realtor. She will know what strategies of negotiation will prove most effective for your particular situation.



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

Chris Worby a Trusted REGINA FINANCIAL EXPERT provides a Trusted Tip on Life Insurance

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!

Here Chris Shares a tip:

Do you have too much life insurance?

People used to say you should have 10 times your earnings available as life insurance. I think they are wrong. Here are three things you should consider.

  • Your net worth
  • How the insurance money may be used
  • Every estate should have some insurance

Life Insurance is a safety net for your family when you haven’t had the time to build your own. Consider this, if you are young with dependents and have a fair bit of debt, you will need more money than if you are retired, living debt-free and enjoying your grandchildren.

How the money may be used is important as well. Some insurance policies have tax advantages and estate planning provisions to bypass wills and streamline an estate. Sometimes survivorship is the main concern, for example, a young family with debt and children may need a different plan than someone who is retired. A clear understanding of your options will help you choose an insurance package that best meets your needs.

Time and again, every estate I’ve worked with that has insurance has been much easier to manage. Loved ones left behind have been in better financial shape than those without an insurance plan – regardless of age. Experience has shown me the value of an insurance plan.

 I think everyone should carry some insurance. It’s important to note, any recommendation on dollar amounts need to be personalized to meet your needs. If you are looking at life insurance, you should consult a professional to make a better, more informed decision.

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



Previous Posts


S & E Trusted Online Directories Inc
310 Wall St #209
Saskatoon, SK   S7K 1N7
Ph: 306.244.4150


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