Trusted Tips and Resources

Trusted Tips & Resources

REGINA FLOORING EXPERT share a Trusted Tip on removing stains from flooring, on the REGINA DIRECTORY

REGINA FLOORING Expert on the REGINA DIRECTORY of experts!

Here they share their first TRUSTED TIP on :

Spot and Stain Removal

Stains and soil The majority of stain complaints are actually soil related. For example, many sugar-based spills, such as soft drinks and coffee, leave a sugar residue after removal. This sticky residue readily attracts soil from ordinary shoe traffic, and the resulting discoloured area appears to be a stain.

The same thing happens when spills are cleaned with a detergent solution and the area is not sufficiently rinsed with plain water, leaving a sticky detergent residue.It is important to rinse thoroughly with water and blot dry after removing any spill.

Carpet

No carpet is stain proof, but since many are stain resistant, you have time to act. Remove as much of food spills as possible by scraping the carpet gently with a spoon or a dull knife. Absorb wet spills quickly by blotting repeatedly with white paper or white cloth towels. Always blot; never rub or scrub abrasively, as a fuzzy area may result. When blotting, work from the outer edge in toward the centre of the spot to avoid spreading the spill. Remove the stain using one of the cleaning items from the checklist below. Rinse the cleaned carpet area with water to remove detergent residue that may become sticky and cause rapid re-soiling. Absorb any remaining moisture by placing several layers of white towels over the spot and weighing them down with a heavy object. This step is necessary even when the carpet doesn't seem particularly damp. Be prepared for any spill with the following checklist:

•White cloths or white paper towels

•Detergent solution Mix mild liquid detergent with water (no more than 1/4 teaspoon of detergent to 32 ounces of water). -A clear, non-bleach liquid dishwashing detergent such as Dawn, Joy, or clear Ivory is recommended. Do not use detergents that are cloudy or creamy because they may leave a sticky residue.

•Vinegar solution-Mix 1 part white vinegar to 1 part water.

•Ammonia solution -Mix one tablespoon of ammonia to one cup of water. (Do not use on wool or wool-blend carpets.)

•Non-oily nail polish remover

•Chewing gum remover (freeze or solid type)

•Spot Remover-Use spot removers designed specifically for grease, oil, or tar.

•Specialty Spot Removers Several specialty spotting products are available from cleaning industry suppliers to remove difficult stains.

Laminate Flooring

Care For spots such as candle wax or chewing gum, harden the spot with ice and then gently scrape with a plastic scraper, such as a credit card. Be careful not to scratch the flooring surface. Wipe clean with a damp cloth. Do not wash or wet mop the floor with soap, water, oil-soap detergent, or any other liquid cleaning material. This could cause swelling, warping, delamination, and joint-line separation, and void the warranty.

•Do not use steel wool, abrasive cleaners, or strong ammoniated or chlorinated type cleaners.

•Do not use any type of buffing or polishing machine.

Click here to go to YOUTUBE where there are video tutorials to remove any and all stains from CARPET and Click HERE to get videos for removing stains on LAMINATE FLOORS

REGINA FLOORING Category on www.trustedregina.com  .

 

Stay Trusted my friends..SAFE AND TRUSTED Of course

 

 

Trusted REGINA MORTGAGE expert shares a Trusted Tip : What it takes really takes to buy a home!

Buying a house is a real pain in the neck. Even for the most seasoned buyer - it's nearly impossible to be completely prepared for the journey...something ALWAYS comes up...and just when you think you have overcome every objection and provided every piece of paper possible...you find out "more information is required". It's frustrating and tiresome. So, how can someone prepare for the Joy's (HAHAHAHAHA...that's funny for so many reasons!) of becoming a homeowner?

While it's far from a complete recipe...here is a gentle nudge in the right direction. Keep in mind as you read this...this information is coming from a guy who has bought and sold numerous homes and has nearly a decade of being on the front line of the Mortgage process. While it seems a little "sharp" to read...it's probably close to the best information you can get. No sugar added - just 100% pure, unadulterated, FACT!

STEP ONE: Know what you can afford for a monthly payment...it's not what you think!

Just because you pay rent for $1200.00/month and are accustomed to it...doesn't mean that's what you can QUALIFY for based on the rules that exist...of which there are plenty! I can't stress this enough. Before you do anything else - sit down with a calculator and figure this out. Its actually not that hard. I will do my best to make it clear.

• Take your Gross (this is the number before deductions) MONTHLY income and multiply it by 42% - this gives you the MOST outstanding debt you can have that includes your mortgage, property taxes, condo fees, heat, credit cards, loans, lines of credit, etc. This is referred to as the Total Debt Service Ratio. An example will follow - stay tuned.

• Take your Gross ANNUAL MONTHLY income and multiply it by 32%...this will let you know the most you have to spend on HOUSING COSTS...Mortgage, Property Taxes, Condo Fees, Heat. This is called the Gross Debt Service Ratio.

Example: Gross Monthly Income: $5000.00 ($60,000.00 ANNUAL Earnings).

• TDS: $5000.00X42% = $2100.00

• GDS: $5000.00X32% = $1600.00 (This number may be revised based on other Credit Debt)

• Assume the following: $150.00/month for Property Taxes and $75.00/month for Heat.

• Assume the following DEBTS: Car Loan $320.00/month, Master Card at $90.00/month, and a Student Loan with $180.00/month payments.

Based on this scenario - the most this situation would permit for a Mortgage is based on the credit subtractions from the TDS...which will then marginally adjust the GDS. So take the $2100.00 and subtract all the credit items (2100.00 - 320.00 - 90.00 - 180.00 = $1510.00 Revised GDS). Now to figure out the mortgage (referred to as Principal and Interest) you have to take the Revised GDS and subtract the Property Taxes and the Heat costs (1510.00 - 150.00 - 75.00 = $1285.00 Principle/Interest MAX Payment).

That's anywhere from a $275,000.00 to $300,000.00 Mortgage Amount.

Of course there are some variables we still have to take in to account...such as size of down payment and whether or not we need the good folks at CMHC.

STEP TWO: Have the BASIC information at hand when applying for a Mortgage.

The most common documents are rather simple:

• A Letter of Employment that confirms your position, start date, annual earnings, work probation status, etc. Of course this letter should be on Company Letterhead and of course should be signed and dated by someone who can VERBALLY verify the contents of it should the lender call to confirm the details.

• A Pay Stub or two is also good to have on hand...preferably as current as possible up to 30 days old.

• Additionally - a VOID Cheque or Pre-Authorised Payment Form from the account you want to have your mortgage payments come from is also going to be required.

• A Solicitor accompanied by the Contact information is also good to have - don't worry, if you don't have one...most Brokers have multiple contacts for you to draw on.

Of course if you are Self Employed, or you make a ton of overtime or are commissioned based...there will be some other items requested in order to prove your income - best to actually speak to your broker to be totally sure what you need...doesn't hurt to call ahead. Be prepared with 2 most recent tax years (T1 Generals and NOA's)....it's lines 150 and 236 that we want to see!

STEP THREE: Realize that a Mortgage is a big deal...and must be treated as such.

In a world of microwave dinners and self serve checkout lanes built for your "convenience"...understand that your mortgage should not be treated in this fashion. If you want it done right - you want it done by the right person...a full time PROFESSIONAL. True, we can be mobile...but only to a certain degree...once we leave our office, we potentially leave a lot of our proverbial tools behind. We aren't plumbers...but hey for the amount a plumber charges for a service call, maybe we ought to be! And hiring a "Part Time" broker is probably the most detrimental decision you could make...when a problem arises, and that is entirely plausible, your broker better not be a stay at home mom cleaning up lego, or unavailable to you because they are working at their other job! It makes sense that your broker is available when it counts! Simply put - take the time to meet with your broker...if that means you have to schedule an appointment after work or you have to take time off work - it's important to understand that your Mortgage process is not the same as a Drive Thru. Quite honestly, you put yourself at risk by having a stranger over to your home...and more importantly the job is not likely to be done right the first time. While many people SELL themselves as professionals, and they may have plenty of education and know how behind them...you may get more than you bargained for...like really bad advice from truly unqualified people.

At FOCUS Mortgage Solutions - it's all about YOU! It's certainly not about us - because quite frankly we wouldn't be here if not for you. We are pleased that we have a large client base with over a 60% retention rate...and we hope you will be one of them!

Our service is Free - and we love what we do! We have the lowest rates in the country that the banks only dream they could offer...but we aren't in the sharing mood when it comes to them. There is a funny saying out there...how does it go againjQuery15203564789609444766_1336494858003 Oh yeah, "Give a man a gun and he can rob a bank. Give a man a bank and he can rob everyone!"

check out the TRUSTED Regina Mortgage brokers ...they are your REGINA MORTGAGE EXPERTS!

 

Reed Security our Alarm & Security Sytems expert provides a TRUSTED TIP on Home Security Tips when you go on vacation

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 Commercial Alarm & Security needs in Regina from day one!

This Tip is for homeowners leaving their home empty to go on vacation.

Home Security Tips

1. Use Common Sense.

• If you lose a key, get the locks changed.

• Ask all strangers for identification.

• Never hide an extra key outdoors - especially underneath a mat or on top of a light fixture. This is the first place the bad guys look. Leave an extra house key with a friend or a neighbor.

2. Make it Difficult.

• Door chains are easy to bypass. Install deadbolts.

• Install a stopper or stick on all sliding doors and windows.

• Install window bars on all basement windows.

• Install exterior motion lights.

3. Break-in's Occur When You Are Away.

• Make sure all doors and windows are properly locked.

• Keep your premises well lit at night. Install timers that turn lights on at different times. This gives the appearance that someone is home.

• Test your alarm system regularly.

• Make sure your alarm is Armed when you leave.

• Consider installing alarm.com by Reed Security.

• If you are travelling, have someone look after things such as collecting your mail and newspapers, cutting your lawn and shoveling your driveway.

• Advise our Rapid Response Monitoring Station you will be away.

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! 

 

 

Winmar Regina is our Trusted Regina Disaster Services experts...find out why they get the' Thumbs up'

WINMAR

Was our first Trusted business to go live and has a listing in the Contractor and Renovations category in Regina..lets tell you a little bit about why they deserve a place with us.

Contractors has to be in the top 3 top of 'horror stories ' categories and Winmar Regina headed up by the fantastic Anna Tzortzis , who funny enough is the Sister of Selina Baldwin who is owner of Winmar Saskatoon, specializes in dealing with the true EMERGENCY situations that all of us hope we never have to go through......

•24 hour / 365 days a year

•Water / Sewage Extraction

• Structural Drying and Preservation

• Contents Cleaning

• Mould Remediation

• Odor Control

• Board up and Containment

• Fire Clean-up

• Humidity & Indoor climate control

• Document and Media Recovery

• Restoration of Essential Services

• Inventory and Content Control

• Temporary Warehousing

• Bio-hazardous Materials Clean-up

PLUS General Construction ..to put EVERTHING back together again. Anna and her dedicated team were working around the clock to help the unfortunate victims of the extensive flooding this year South of Regina, and they helped many , many Saskatchewan families in their hour of need. We think the list covers it all....but if it doesn't mention what you are looking for, stil call Winmar because they will answer no matter what time of the day or night ..and they will be there to HELP YOU when you need it the most..they are committed to working in your best interests and the positive comments and testimonials from their clients during our survey and on their listing on the DIRECTORY speak volumes.... call WINMAR FIRST...DON'T WAIT FOR YOUR INSURANCE COMPANY TO CHOOSE FOR YOU!!

Bathfitter Regina , a Trusted Regina Bathroom expert..we tell you why they deserve the ' Thumbs up'

BATHFITTER REGINA

Uur first Trusted Regina Bathroom business on the Regina Directory Look at the listing on the directory and you will see how professional and amazing Bath Fitter are ..hey. Shell Busey DOESN'T endorse just anyone ( we like Shell for that..he definitely gets the ' Thumbs up ' from Trusted) ..but we have to admit that Bath Fitters standards actually put Trusted’s verification and checking procedure (which is THE MOST RIGOROUS in the world of advertising) in the shade!!!

The time and effort spent by this company checking that it is doing the right thing and improving anything they are not pretty much INSTANTLY made our jaw drop!!! Survey customers like we do ....OH YES..not just once but 4 TIMES throughout the process.......Mystery shopper program?? Like you wouldn't believe...not just once but at every stage of the Bath Fitter sales process...from the telephone call to show room to the install…seriously people Bath Fitter IS THE most customer driven business ( by Head Office MANDATE) that we have ever encountered...and that is GREAT news for YOU their potential clients! I am so happy to tell you that Randy and the team in Regina regularly score 100% on all of these checks.....WOW…that means they are on their game 24/ 7 ....Bath Fitter Saskatchewan (as Saskatoon and Regina operations are owned by the same company) are one of the highest rated Bath Fitter organizations in Canada.....and they have awards for Customer service displayed in both offices.

Trusted are beyond thrilled that they are a part of our Trusted revolution...but know that this philosophy of ours is not new to them...Thank you Randy and the team for being a part of what WE are trying to do ..we confidently endorse you and your people.. .. they do all this AND can transform your bathroom in a day, and we are pretty confident that you will be surprised at all of the options available to you to choose from...and you should see the gift bag you get as

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1307 Ottawa Street
Regina, SK   S4R 1P3
Ph: 306.529.8558

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