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 AIR CONDITIONING AND REGINA FURNACE EXPERTS

Here they share a Tip on average life expectancy of equipment: 

What is the average life expectancy of equipment?

Most systems have a lifetime of 10 to 20 years. As your equipment gets older, it's efficiency can decrease dramatically. You may notice that it gets noisier and needs repairs more often. When a unit begins to show it's age, you have two choices. You can overhaul the system or replace it. Because heating and cooling technologies improve over time, a new system designed with newer, more energy-efficient equipment makes sense, especially if your system is 10 or more years old. We can estimate the cost of a new system as well as a payback schedule that will show you how newer technology will pay you back in lower energy usage.

Can I just replace the outdoor unit on an older system to save money?

No. Replacing only the outdoor unit will lower the efficiency of the unit. In fact, you can lose up to 15% of the unit's efficiency! Even worse, your system may fail sooner than normal and most manufacturers' warranties will be voided. You should always replace the indoor cooling coil with the outdoor unit.

Will a bigger sized system perform better?

No, you don't want your air conditioner to be too big. Air conditioners control the comfort level in your home by cooling the air and by removing humidity. An oversized air conditioner will cool your home faster, but it will use more energy and will not remove humidity adequately.

A unit that is too big for your home will have short run cycles. It may take only a short time to cool the air, but the unit shuts off before enough air blows across the indoor coil where moisture condenses into water and drains from your system. Too much moisture left in the air can lead to mold and mildew problems.

These short run cycles also mean your system starts and stops more often which uses more energy and causes a lot of wear and tear. An air conditioner operates more efficiently during long run cycles.

The same holds true with heating systems. An oversized furnace will warm the house quicker, but it uses more fuel and causes greater temperature swings in the home.

Why is a system with matched components so important?

A matched system is important for a variety of reasons. One is comfort. When all your components are properly sized to your home, you can control exactly how much heating or cooling you need so you can relax. Also, a properly sized matched system enables every component to perform as designed, meaning proper cycle times are maintained, humidity is controlled, and system sound is minimized.

Another reason matched systems are important is efficiency. Most systems people buy are too large for their homes, which uses more energy than needed for your home. A matched system outlined by a dealer who has completed a load calculation for your home provides just the right amount of heating and cooling you need so you get the most value for your utility dollar.

 Regina Air Conditioning & Furnace or the Regina Plumbing category- they are YOUR Trusted Regina Heating and Cooling experts! 

Trusted share a helpful Trusted Tip on the REGINA DIRECTORY about caring for your New Kitten and Kitten Proofing your home!!!

Congratulations on your new kitten!

 
Your kitten will require a series of vaccines that will provide immunity against disease for about one year. Annual boosters are needed to keep this level of immunity high enough to protect your kitten from illness. If your pet is vaccinated at Lakewood Animal Hospital, you will receive reminders in the mail each year when your kitten is due for its annual vaccinations. 
 
Your kitten should be fed a kitten food until he or she is about 6 to 12 months old. Then switch gradually to an adult food by mixing the old and the new foods together for about two weeks. This helps avoid intestinal upset from changing foods. Your pet will have a longer healthier life on a good quality diet such as Medi-cal or Orijen. Too many treats and snacks lead to fussy eating habits, obesity and digestive upsets. Give your pet praise and affection for rewards, not food! He'll love you just as much.
 
Spay or neuter your kitten. Altered pets live longer, are healthier in old age, have fewer behavioral problems and don't contribute to the pet overpopulation problem. We recommend spaying or neutering your kitten between 6-8 months of age. 
 
Your kitten will soon have a full set of adult teeth. Good dental care is essential to your pet's well being. Regular brushing will slow plaque and tartar build-up as your kitten gets older. By the time they are two to five years old, however, they might have enough tartar build-up to begin needing annual dental cleanings here at the veterinary clinic. A cat that gets good dental care throughout its life will live an average of 15-20% longer than one that does not. Your pet will have fresher breath, less pain from periodontal disease and be healthier and more energetic.
 
Enjoy! Your kitten's boundless joy, love and energy are a precious thing to have. 
 

• String, ribbon, yarn, sewing supplies and other small household items

• Paper clips, erasers, staples, rubber bands, plastic bags and twist ties

• Coins, small board game pieces, fragile keepsakes and ornaments

• Medication, vitamins, pill bottles, dental floss, razors and cotton balls

• Household and automotive chemicals ("pet-safe" antifreeze is available)

• Toxic houseplants, including philodendron, mistletoe and poinsettia Toxic garden plants, including lily, azalea, daffodil, tomato and hydrangea

• Provide kitten-safe toys to keep your kitten occupied

• Use covered trashcans in your house and garage

• Keep kitchen countertops clean and clear of food items to reduce temptation

• Store household chemicals and poisons in a locked cabinet

• Keep toilet lids down so your kitten can't fall in or drink from the bowl

• Keep electrical cords and wires out of sight or secured to walls

• Secure dangling blind and curtain cords out of reach

• In winter, rinse your cat's paws with warm water and towel dry after outings to rinse off snow and melting chemicals that irritate the footpads and mouth

• Keep your cat indoors and safe from extreme weather conditions year round

• Consider planting Timothy grass or fresh catnip in a stable pot indoors to entice your kitten and safeguard ornamental plants

We hope that your new kitten is well on its way to a long and happy life as a member of your family. To keep your kitten healthy for a lifetime will require on-going care. This list should help you to understand what health care needs your pet will have in the years to come. 

Please call us with any questions or problems with your kitten. Most medical problems are less costly to your pet's well being and to your pocketbook if they are dealt with early. The same is true of behavioral problems. The earlier you contact us or your trainer regarding a problem behavior, the sooner you can solve it. Behaviors such as inappropriate urination, digging, running away, chewing, and aggression can almost always be changed if you ask for help. 

Kitten Proofing Your Home

Playful and intelligent kittens investigate objects by touching, chewing and tasting them. Growing kittens love to explore, but need protection from household items that are dangerous if swallowed.

Dangerous Items to Keep Away From Your Kitten: 

More Ways to Keep Your Kitten Safe:

Check out the Vets and Pets category on THE REGINA DIRECTORY directory of experts.

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

BanAsbestos.us

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 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 Alarm.com 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.

WHO QUALIFIES FOR THIS PROMO:

-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 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!