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 on a Budget Killer:

There is an insidious monster in your personal finances trying to eat up all your money! It is so small, you may never even notice until you realize you are living paycheque to paycheque or worse, going negative every month.

It’s called the MONTHLY PAYMENT!!!!

And it goes like this, “Cable bill, $60. Internet bill, $35. Cell phone, $60. Cell phone #2, $60….” Many people I know end up spending around $300/mo on telecom if you include internet, cable, land line, cell phone, data plan all in that category. And none of those amounts look so high – $60/mo, I can pay that. But when you add them all up, you have a real dent in your monthly finances.

So if you think bigger than this, how many amounts do you pay in the $11/mo range – think banking fees? How much do you spend at $10/mo, $20/mo and so on? And none of them are all that expensive really – they are just there.

We buy cars this way, houses, gym memberships, all kinds of things. The problem is that this leads to what I call “Accidental Spending” and can really destroy your budget. Paying in full and up front or thinking about your finances as a whole year’s expense can really change your patterns.

Think about it, if you had to pay $600 once for the gym rather than $50/mo, would you think twice and really consider getting that membership? And if you did think more before the purchase, would you be more likely to use the membership?

Same with your cell phone, if you thought about your data plan as a $40/phone/month expense for 2 phones, would you think twice about $960/yr just to get facebook wherever you want? Maybe you could wait until you are on a wireless network after all!

So, think about payments because they happen whether you go to the gym or not and whether or not you go out for dinner as well.

Chris Worby is a Trusted Regina based financial advisor and Wealth Management consultant servicing local Regina households and businesses since 2001.

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

Original Blog post by Chris Worby your Trusted Regina Wealth Management and Financial Services Expert

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!

Here they share a tip on the REEDHD Smart Cameras:

REEDHD SMART CAMERAS SEE AND THINK LIKE US!

Video Analytics is a generic term used to describe computerized processing and analysis of video streams and is used for a variety of tasks. Video Analytics automatically monitors ReedHD Smart Cameras and sends you real time alerts of pre-defined events. Instead of waiting passively, you can now TAKE ACTION.

ReedHD Smart Cameras:

• Provide advanced detection and real time alerts - Actively fight crime
• Provide business intelligence - Customer experience, staffing and traffic counts
• Quickly pay for themselves Are less costly than private security guards - Do the math. How much do you spend per month for private security guards? Can the costs be reduced by implementing ReedHD Smart Cameras? You may consider using both.
• Are less costly and lower maintenance than dogs - Dogs are a great deterrent. They're also messy and can be easily overcome with poison.
• Are less costly and more effective than relying on a human operator - Various research studies and real-life incidents indicate that an average human operator of a surveillance system, tasked with observing video screens, cannot remain alert and attentive for more than 20 minutes. Moreover, the operator’s ability to monitor the video and effectively respond to events is significantly compromised as time goes by.
• Work with PC, iPhone, iPad and Android phones and tablets

ReedHD Smart Cameras Can Identify:

• Penetration of Unauthorized People / Vehicles into restricted areas
• Tailgating of People / Vehicles through secure checkpoints
• Traffic Obstacles Unattended Objects Vehicles stopped in no-parking zones, highways or roads Removal of Assets Crowding or Grouping Loitering
• Smoke and Fire Video Management

Software and Apps:

• See Live Video Cameras Immediately review and respond to events detected by ReedHD Smart Cameras
• Easily manage your cameras and setup rules
• Search by time, camera groups, rule violation type, object type, etc.
• May work with your existing video cameras

Actively Do Something About It:

• Once an event is detected by ReedHD Smart Cameras it's time to take charge.
• You can make a difference 80% of the time with the following added measures:

One Way Talk Down - Loudspeakers are installed at the premises. You can talk down to the premises from your smartphone. "HEY - YOU IN THE BLACK JACKET. YOU HAVE BEEN DETECTED. THE POLICE HAVE BEEN DISPATCHED. LEAVE IMMEDIATELY" "YOUR FACE IS BEING RECORDED IN HIGH DEFINITION"

2 Way Talk Down - Same as One Way, but with a microphone added to the premises. Great for after hours at car dealerships or unattended premises.

Sirens - You can activate external sirens to make unwanted visitors leave. 

Flashing Strobe Lights - You can activate flashing lights to make unwanted visitors leave.

24/7 Video Verification:

Packages For increased protection we highly recommend that ReedHD Smart Camera alerts be sent to our 24/7 Rapid Response Monitoring Stations. A professionally trained live operator will log into your cameras, perform a look-in and decide if a problem exists. We can *talk down to the site to actively deter crime, alert you and dispatch the proper authorities.

*Monthly charges apply for all video verification packages*Requires talk down option

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! 

Trusted Regina’s Financial experts share a tip on Things to do with your RRSP Refund:

·Put it on your mortgage – lower debt would allow you to fast track your early retirement plan.

·Pay off credit card debt – saves more interest than you can likely make by investing.

·Start a rainy day fund – life has a habit of surprising us.

·Put it in your children’s RESP – receive an extra 20% grant on it (30% in Saskatchewan). That’s a very good return on investment.

·Reinvest it in your RRSP – supercharge your RRSP by getting the deduction for next year.

·Do some essential home maintenance – you have been putting off because of the expense but now you have the cash. Your home is your biggest asset, look after it

·Fed up with your job? – Start an escape fund, plan your own business and this will help fund the start up.

·Donate it to charity – that’s a tax deduction!

·Put in in the TFSA

·Keep it non registered and explore – do something riskier than you usually would with it and learn about investments.

·OR be really naughty and treat yourself…..who says we always have to be sensible. Live a little!

Trusted Regina’s Finance Experts  give them a call to see how they can work for you!

Rapid Lawn Landscaping Solutions Regina is a family owned business that has helped their customers achieve sod quality lawns at less than half the price.They also do conventional seeding and are suppliers of all types of turf grass seed, native grass seed and low maintenance grass seed products...and REGINA' BEST  SNOW REMOVAL SERVICES!  

Rapid Lawn - The EASY and ECONOMICAL way to GROW GRASS

Rapid Lawn Landscape Solutions are your Trusted Regina Turf and Lawn Experts!

Here they share a tip on 9 steps to a lush lawn:

Blades of Glory

American homes are host to more than 30 million acres of lawns, which will play host to countless barbecues, picnics, and Frisbee games in the coming months. With proper care, your lawn will look great despite endless hours of barefoot traffic and blazing sun. This Old House landscape contractor Roger Cook tells us what we should do to keep the grass greener.

1. Test Your Soil

A soil test takes the guesswork out of lawn care, giving you precise measurements of pH as well as the quantity and availability of nutrients like nitrogen and phosphorus (home kits are usually reliable for pH only). Contact a cooperative extension service to conduct the test; they cost around $20.

2. Fertilize

There's no one-size-fits-all formula for springtime—it all depends on the soil and the type of grass you have. Your soil test will offer tips on what amendments to add, or take the results to a gardening center and get their advice. Opt for a slow-release, organic fertilizer, and apply it to the outer edges of your lawn, then cover the middle, overlapping each pass by a few inches. You may have to mow more frequently afterward, since you're adding nutrients at a time of rapid growth.

3. Watch Your Calcium Intake

Up to 90 percent of common lawn weeds are linked to a lack of calcium in soil. Ideally, you should have a calcium-to-magnesium ratio of 7 to 1. If yours falls short of that target, spread high-calcium lime over your lawn, which will boost its ability to absorb nitrogen and synthesize proteins, robbing weeds of food.

4. Add Organic Matter

Early-season grass benefits from added compost, whether you make it yourself or get it from your home center or town. Apply a ½-inch layer over your lawn and rake it into the surface. Finished compost should smell earthy and slightly sweet; avoid using compost that's still steaming, which indicates it's not fully decomposed yet. One yard (or 27 cubic feet) will cover 600 square feet.

5. Stop Crabgrass In Its Tracks

Crabgrass germinates when the soil temperature reaches about 56 degrees F, which happens in mid-April in many regions. Wait until your soil reaches this mark for a few consecutive days, then apply a pre-emergent herbicide (or use corn gluten if you prefer a natural product, available at Bradfield Organics. Crabgrass doesn't grow well in the shade, so you don't need to add chemicals in well-shaded parts of your yard.

6. Pull Up Weeds

Ever notice that weeds pop up right after a spring rain? That's your cue to pull them—if they're small and the soil's moist, they should come out by hand.

7. Get Your Mower in Shipshape

Dull mower blades tear off grass rather than cutting it clean, leaving ragged tips that invite disease to set in. Holding the blade in a vise, sharpen it with long, smooth strokes using a Dremel blade sharpener or a 10-inch bastard mill file, following the manufacturer's instructions for the proper angle. During the growing season, sharpen the blade after you've used your mower for about 8 to 12 hours.

8. Let the Grass Grow...a Little

Your grass might be as short as a putting green, but don't keep it that way. Let it grow to a length of about 3 to 3½ inches, and maintain that height all season. This lets the grass blades shade out weed seeds, and in the summer it shades the soil, reducing evaporation. Come fall, you can go back to cutting it short—weed seeds aren't as abundant then, and evaporation is less of a concern. Two exceptions are Bermuda and seashore paspalum grasses, found in the South, which can be kept at a height of 3/4 to 1 inch.

9. Get Your Sod On

If you're starting a lawn from scratch, April is the month to lay down sod, when it's cooler and there's time for the grass to take root. Ask your seller for grass that suits your yard's conditions, whether sun, shade, or a combo. Sod should be fresh when you lay it; beware the rolls that have been sitting outside for a while. Prepare to water, water, water when it's installed. Your garden center can recommend an appropriate schedule. 

Connect with Rapid Lawn Hydroseeding on Facebook here!

Your first step into the beautiful Wheatland Fireplace showroom will help you understand why Wheatland Fireplace has been given the Thumbs up by Trusted Regina.

This really is where your REGINA Outdoor livingWheatland Fireplace are your Exclusive Trusted REGINA FIREPLACE store and they are Trusted REGINA OUTDOOR LIVING & RECREATION Experts. 

Here they share a tip on the Big Green Egg:

The Egg In Canada

Canadians from coast to coast have been enjoying the Ultimate Cooking Experience for over ten years.

Regardless of the weather conditions the Big Green Egg is guaranteed to meet your expectations and provide meals for a lifetime. All Big Green Eggs and accessories are stocked in Canada and carry a Canadian service warranty. The Big Green Egg can be found at specialty shops in every province. Big Green Egg dealers love to demonstrate the benefits and features of the BGE. If you are concerned with environmental issues, efficiency and reliability the Big Green Egg is a “must have”.

Benefits of the Egg

• The Big Green Egg offers unmatched cooking flexibility – the EGG® is a grill, a smoker and an oven.
• Space-age ceramics and double-wall construction make the Big Green Egg durable and fuel efficient.
• BGE Organic Natural lump charcoal gives your food amazing flavor.
• Choice of six sizes to accommodate everyone’s needs.
• Over 35 year history of dependable customer service makes it easy to get answers to your questions.
• Our helpful website provides recipes, cooking tips and an active user’s forum.
• With a lifetime warranty on ceramic parts, the EGG won’t clog the waste stream like metal grills that are discarded after a few years. Ceramics won’t rust like metal grills.
• With the use of the Plate Setter, you can cook “indirect” without sacrificing cooking space.
• You can cook in the EGG year around, even in rain or freezing temperatures.
• Low, even temperature ensures moist, “Pit BBQ-tender” smoked foods.
• The Big Green Egg cooks hotter and produces steakhouse searing temperature with ease. Meat, fish, poultry, veggies & fruit – the EGG does them all effortlessly.
• Bakes better than a brick oven – pizza, bread and even desserts.
• The ceramic surface stays cooler than other grills, so it is safer around children and pets.
• The EGG is ready for you to start cooking in minutes with no lighter fluid used.
• The EGG maintains precise temperature to within a few degrees simply by adjusting the top and bottom vents.
• The radiant heat from all surfaces guarantees exceptional results.
• The baked on exterior glaze maintains its good looks and readily wipes clean with a damp cloth. Cleanup is effortless; the EGG cleans itself like a self-cleaning oven.
• Lump charcoal produces little ash, eliminating the need to empty out ash after each barbecue.
• You can cook for hours without adding more charcoal. Unburned charcoal can be saved for the next cookout simply by closing the vents to snuff out the fire, saving you money!
• Dozens of EGGcessories designed especially for the Big Green Egg make your cooking even more foolproof. Specialty grids and extended racks offer great versatility. Double or triple the capacity with a grill extender. To view the online "Eggcessories" catalogue click HERE!

Eggs & More:

Complete Outdoor Cooker

With its unparalleled flexibility of use, you can use your Big Green Egg for everything from grilling a steak to slow cooking a tender brisket to baking a loaf of bread. Vegetables – corn, potatoes, mushrooms, onions – and even desserts are superb. You can cook everything that you need for an entire meal at once!

Moisture Retention

The Big Green Egg is made using spaceage ceramics that were developed specifically for our product. The EGG retains heat and moisture so well that foods do not dry out! Meats and other foods undergo little or no shrinkage and are tastier because the natural juices and flavors stay locked inside.

Easy to Start

The Big Green Egg reaches cooking temperature and is ready to use in approximately 10 minutes. Lighting the natural lump charcoal is quick using a natural fire starter or an electric lighter; no lighter fluid should be used. The inventive design of the EGG draws air into the lower draft door, through the charcoal, and out of the damper top.

Easy Temperature Control

You can grill, smoke and bake at exact temperatures by adjusting the dampers. You have total control over the temperature, maintaining accuracy within a few degrees! The temperature North American made gauge in the lid gives precise temperature readings from 0ºF to 750ºF +.

Easy Clean Up

The Big Green Egg® exterior has a lifetime baked-on glaze that maintains its good looks and easily wipes clean. Inside, the heat burns off any grease build-up – like a self-cleaning oven.

Year–Round Use

The Big Green Egg is easy to use in all climates, even in freezing temperatures, snow or rain.

5 EGG options to choose from:

• - XXL Coming Soon
• - XLarge 205 lbs – 24” grid
• - Large 140 lbs – 18.25” grid
• - Medium 95 lbs – 15” grid
• - Small 65 lbs – 13” grid
• - Mini 30 lbs – 9.5” grid

To read more about the Big Green Egg such as "Eggceptional Qualites, "Eggvantages" and "Eggcessories" click HERE!

Visit the Wheatland Fireplace' showroom at or see their listing in the REGINA OUTDOOR LIVING & RECREATION and in the REGINA Home appliance & fireplace  category. They are your Trusted REGINA FIREPLACE Experts