Trusted Tips and Resources

Trusted Tips & Resources

Our Trusted Regina window coverings and blinds expert shares a design tip

Our Trusted Regina window coverings and blinds expert shares a design tip.

Trusted Regina Window Coverings and Blinds Experts  

These amazing drapery tops are sure to wow!

Classic Pleat 

Our custom drapery has sewn seven beautifully constructed pinch style pleats onto the face of the panel so it looks just like a custom-made pleat panel when hung on a rod. The pleats are perfectly spaced and fixed so that the beauty of the folds remain even when the panels are drawn or closed.

Grommet Panel

The modern clean look of grommets work beautifully with any décor. The grommets are evenly spaced across the heading of the drapery and when woven on to a rod, structured columns are created across the face of the drapery.

Inverted Pleat

We’ve taken the best features from the faAB Pleat and incorporated it into the Inverted Pleat. This exclusive heading is a modern twist on a classic drapery heading.

Trusted Regina mortgage expert gives us some valuable information about Refinancing.

Trusted Regina Mortgage Associate it for you?

Canadians today face many reasons to refinance their mortgage. For example, you may have been working at improving your credit score and now qualify for a new mortgage with a better discount, or you may want to stabilize your payments by changing from a variable rate mortgage to a fixed-rate. Refinancing is also a good option to pull out equity for consolidating debt, home improvements, investments, college expenses, and more.

Refinancing isn't necessarily a bad thing or term

There are many things that play a role in whether or not refinancing is a good move.  The first thing is to determine what your overall goal is by refinancing.  It can answer many questions for you including providing you with these benefits.  Why do you want to refinance?

  • Getting a rate that reduces your monthly payment while being low enough to offset the costs of refinancing is one common reason to refinance
  • Paying down higher interest debts like credit cards or loans or lines of credit .
  • Having your monthly payment reduce to help you pay off your mortgage quicker as your not incurring more debt but able to now focus on just paying the mortgage off
  • Buying a rental property or 2nd home(cottage).
  • Increase your quality of life now, maybe buying a boat or trailer for those family outings.
  • Doing some investments and get a higher rate of return on your investments and borrowing the money at a lower rate for the mortgage.
  • consolidate their high-interest debt to reduce their overall interest rate and free up hundreds of dollars in cash flow every month.
  • Doing some much needed renovations to your home using the existing equity to increase the value of your home it's a win win .

Here is something most people don't know when considering when doing a refinance all costs can be included in the mortgage including lawyer fees and penalties. 

When done correctly, a refinance can save families money on long-term interest.

If your curious to know how much can save if you refinance your mortgage this calculator will help you find out!. 

A Trusted Regina Financial Advisor talks about Household Finances - What is the 25% rule?

Worby Wealth Management a Trusted Regina Financial Advisor talks about Household Finances.

The truth is that financial management is boring. I mean, it sounds interesting when you watch movies and they’re yelling, “Buy, Buy! Sell, sell!” But this behavior does not make you rich – in fact, it can have the opposite effect.

Smart people understand one thing – tactics do not win the battle, logistics do. And one of my best pieces of advice is the 25% rule.

It essentially breaks down like this: If you want to attain financial security contribute 25% of your net monthly income towards your net worth. It is very important that financial security has very little to do with being ‘rich’ but everything to do with having the resources available to have options throughout your life.

Net worth is composed of two things: Assets and Liabilities. I think of Liabilities as the hole requiring filling and of Assets as the mountain you build with your resources.

A few notes about each. Paying down credit cards does not fit into the asset/liability description above. Credit cards are consumption. If you have already made errors and are carrying balances, then you need a plan to pay them down and it can be worked into a liability repayment plan. However, further credit card debt becomes consumption rather than a liability.

Big expenses – trips, renovations, etc. should be paid for with funds that have been saved in advance; they should not be financed. The reasons are many. First, once you start down the ‘financing fun’ road, it can be hard to maintain discipline. Second, a trip paid for and fully funded is less stressful. Third, something you pay for as you go you tends to be better planned out and fits your budget – and studies show that planning your spending is almost as fun as the actual spending.

Building assets is then the ‘exciting’ part, right? “Buy, buy, sell, sell” and all that. Actually, it is very hard to get rich quickly and fairly easy to get rich slowly. Using pension plans and RRSP, TFSAs and RESPs to accomplish your family’s plans can be done well over time but the ‘get rich quick’ schemes rarely work out.

Find a strategy you are comfortable with and run it as a discipline. If you are going to buy and hold, never deviate. If you are going to move with certain market cycles like a momentum system, or act like a value manager, do this and never change it. Make sure you do your homework up front to get a working system and then never change. Mistakes in investing comes from emotion.

But none of that happens without a strategy – and the spending strategy that works best is using 25% of your net, monthly income to build your net worth. Not only do you have funds available to build assets and pay down liabilities but you also create a buffer in case something bad happens. You aren’t living at capacity with your finances, you have options.

And that is financial security.

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

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

Trusted Regina welcomes another amazing new partner Prairie Boys Spray Foam!

We are so pleased to announce this great addition to the Trusted community!  

When I spoke with Cody's references I quickly found out that not only did they had a great product, but they were an amazing crew. The testimony below is an excellent reflection of why they have been approved to be a Trusted Regina partner.

"At the start of my reno's for the basement suite portion I was asked about insulation batting or spray foam?? Once I was informed spray foam would not only help with keeping in heat in the winter but would keep water out in the summer I jumped at the chance. 

Cody and the crew from Prairie Boys Spray Foam were amazing with the work that was done. In one afternoon they were in and out and all done with no mess and no fuss. Once the install was done there has been not only no water issues in the basement suite, but the temperature in the area has also improved greatly. No longer needing to have the heat cranked upstairs to keep the basement warm. 

I will definitely be going back to Prairie Boys for insulation in the future and will be passing along the name for others as well.”  Jolene Kainz

Prairie Boys Spray Foam will help create comfort in your home by insulating with 2 pound polyurethane spray foam insulation. Whether it’s a new construction or renovation project, Prairie Boys Spray Foam will increase the efficiency in heating and cooling your home. Air leakage will be significantly reduced while energy cost savings will grow.

Prairie Boys Spray Foam strongly recommends insulating: Wall Cavities, Garages, Additions, Crawl Spaces, Attics, Roofs, Ducts, Rim Joists and basements.

For more information about Prairie Boys Spray Foam check out their listing. 

Trusted Regina partner shares tip on avoiding troublesome carbs

Simple Carbs Wreak Havoc 

Avoiding troublesome carbs isn’t as simple as saying no to donuts and cake. A piece of white toast and jam at breakfast can be as bad as a glazed donut. If it’s made of white flour it may as well be sugar, given the way it acts in your body. Even orange juice is mostly sugar. 

Start your day with any of these or similar carbs and you set your body up for sugar plunges throughout the day. Your energy and hunger will spike and dip that will keep food foremost in your mind as you go about your business. Your cravings will dictate what you eat for the rest of the day.

Why are simple carbohydrates such a concern? Your body quickly converts them into glucose, a sugar your body relies on for energy. The faster and higher a serving of food raises glucose levels in the blood, the higher it’s glycemic load. There’s nothing wrong with glucose-unless a huge amount hits your bloodstream at once.

Desperate Hunger

A sudden spike in glucose causes the body to turn out a flood of insulin to move all the sugary stuff out of the bloodstream and into cells. The insulin works, and works fast, sending blood glucose levels crashing. The spike-and-plunge cycle can suppress hormones that help control hunger, tricking your body into thinking that it needs more calories. That’s the reason you feel hungry again within a couple of hours of eating a high-carb meal.

The energy rush you get from a big bowl of sugary cereal or a sandwich on a white bun can feel like energy crash after your glucose levels have simply returned to normal. The sense that all your energy has been pulled out from under you often makes people grab a soda or an energy drink. That’s right most likely your brain will steer you towards more sweet, simple carbohydrate. Then the whole process begins again.

A Bulging Belly 

The body is like it’s a 24 hour supply of glucose on hand in the bloodstream to meet immediate demands for energy. But a morning bagel supplies far more quick energy then you’ll need to get from your car,  to work and sit at your desk until lunchtime.  The rest of the glucose is set off for long-term storage as fat and a lot of it ends up in your abdomen as a heart threatening visceral fat.

Inflamed Arteries

Remember that healthy arteries are your body’s best offence against heart disease and heart attacks. A steady diet of bad carbs put those arteries at risk, in part because it raises insulin levels. An Unfortunate characteristic of insulin is that, like sugar, it is mildly corrosive to artery walls.  In the amounts that most people need to process a normal amount of glucose, the corrosiveness isn’t much of a problem. But repeated spikes in insulin levels cause a lot of wear and tear on arteries that can lead to inflammation and narrowed blood vessels.  

When you consume too many bad carbs for days and weeks and months and years the problem gets bigger. That’s because in some people, insulin stops doing its job as well as it once did, and the pain Christmas generate more and more of the hormone to handle even small amounts of blood sugar. This is known as insulin resistance and early stage of type 2 diabetes.  More insulin equals even more artery damage.  

Bad Marks on your Cholesterol Tests

One hallmark of a high carb diet is that it elevates triglycerides, blood fats that have been linked to high your risks of heart problems and diabetes. High triglycerides are also one of the five indications of metabolic syndrome, along with insulin resistance, belly fat, high blood pressure and low levels of “good” HDL cholesterol.  

When you begin eliminating the bad carbs and start eating the right ones, almost overnight,  the dangerous dynamics in your arteries shift. 
Hope that you found this helpful.  


Previous Posts


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


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