www.trustedregina.com is THE Regina Directory and is thrilled to be hosting a Talk to the Experts show " The Trusted Show' Monthly on Newstalk 980  Find them all here in our tips library or on our Trusted Channel on You Tube which is a fabulous resource of Tips , Interviews, Demos and Tours.

Listen to all the shows ON DEMAND, you can share them with friends who may be interested in the shows subjects and this makes sure you never have to miss a Trusted Show - www.trustedregina.com   is the Ony Local Directory that works for you...and the only  place to offer this kind of service in Regina !  

This latest show we are featuring is the TRUSTED Regina Directory Real Estate Show

All of the questions on the show have been submitted by our wonderful Trusted Regina Facebook Fans  and one lucky fans question was chosen by Sean Dean to win the Prize package submitted by the Trusted Businesses 

This months Trusted Partners are :

* Mark from Two Small Men With Big Hearts- Trusted Regina Movers are giving a $100 Gift Certificate

* Emerald Park Homes - Trusted Regina Home builder - prize is a Golf Package for 2 at Aspen links golf course.

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!

Time for Risk?

As we near the middle of the 2013 RRSP season, I have one piece of advice: take a look at downsizing your risk.

• Risk is for a time and place

• Markets move in cycles

• Get some help with figuring out where we are in this cycle

The interesting part of this cycle to me is that market is high again. The Dow Jones and S&P 500 are at levels not seen since before the crash of 2008. So here’s the question:

If we know the market high of 2000 was a bubble, and we know the market high of 2008 was a bubble, and we find ourselves in the same place today, what do we think this is?

It’s kind of the old, ‘If it looks like a duck and quacks like a duck…’ question. The next question though is if it’s a cycle and we do exit, when do we get back in?

I think a good exit strategy also comes with a good re-entry strategy. “When ‘x’ happens, we’ll do this.” It automates your ideas in advance, when you are rational and able to make a decision rather than when things are difficult and a person’s biases may come to bear on the process.

I heard it said well once, “Amateurs think about tactics, professionals think about logistics.” Make sure you’ve got a pro on your side!

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

HUGE announcement - the Trusted App created by Saskatoon's College Mobile (Trusted always want to support local) has been approved by Apple - download it on your iPhone and enter the contest to win $1000's of prizes over the next few months ! ( Android app coming soon!) - !!! Download here and enter to win ..or just got to he App store and search for 'Trusted' or ' Trusted Canada' and we will be there!!  

The www.trustedregina.com team had a wonderful time at the Regina What Women Want Show 2013....it might have been blizzard and freezing outside but inside we had almost TOO Much fun!!  The show was all about supporting LOCAL businesses and that is what WE DO...the ones WE know you can Trust!!  

We had $1000's of prizes to give away all donated by Trusted Regina Partners, a Big GONG ( that we banged every 2 hours all weekend when we picked a winner)  , a magician, balloons and so many giggles..the feedback from the public was amazing ..clearly we have something people like and appreciate! ( phew!!) .

Fan us on Facebook and follow us on Twitter as we always appreciate feedback and LOVE giving away prizes!!

Enjoy the video ...see if there is anyone you recognize ..and be sure to go to the show next year..as we are only going to be bigger and better!!  

From a Wife's Point of View!

Hire a Contractor...Don't marry one!  The contractor's house is ALWAYS last on the priority list. Below are images of our home which is always prtically completed but the vision is there. Notice all nice new windows and doors...and lack of siding!

Notice all nice new windows and doors...and lack of siding! 

Find Trusted Regina realtors on the Regina Directory  

Home Buying Costs - Extra Expenses:

• A land transfer tax (a sales tax on property) in certain provinces
• A mortgage broker’s fee
• An appraisal fee
• Surveying costs (if the seller couldn’t come up with a current survey)
• A high-ratio mortgage insurance premium
• An interest adjustment. (Mortgages are normally calculated from the first of each month. If your closing date is the same as the beginning of your mortgage, there will be no adjustment. However, if your closing date is July and you move in on June 15, those last 15 days are the interest adjustment period. Your lender will expect you to cover the cost of the interest during that time.)
• Reimbursement to seller for the unused portion of any prepaid property taxes or utility bills
• Legal fees, and, if applicable, REALTOR fees^®
• Title Insurance
• Moving Expenses … even if you handle this yourself.
• Hotel costs…sometimes you can’t get in right away and if you haven’t friends in your new place you may have to expense out accommodation and expenses for a couple of days.
• Pets… what if you need to house kennel them during the initial stages of the move.

There are lots of things to consider and it doesn’t hurt to set down and plan things out prior to move day. A good number of first time home buyers are told they will need to put 5% down as a down payment. I usually tell them to figure on having another 1.5% on hand to cover other expenses. So if you’re purchasing a home for $250,000 and you need 5% which would be $12,500 then figure on another $3750 to have on hand to cover the other expenses. No need to tell you this is only a guideline and it could end up being more or less.

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