Trusted Tips and Resources

Trusted Tips & Resources

Trusted Regina Lawyers at MacKay & McLean Share the Law Around Domestic Violence and Best Interests of the Child.

MacKay & McLean provides the professional services of a large Regina law firm, with the intimate attention of a small firm. The legal process can be daunting and overwhelming, but it doesn't have to be. MacKay & McLean is with you every step of the way.

MacKay &  McLean is a  TRUSTED REGINA LAW Firm. In Mackay & Mclean's latest legal tip they provide helpful information about the family law about domestic violence and the duty of care to children.  

Family Lawyers at MacKay & McLean Barristers & Solicitors Share the Law Around Domestic Violence and the Best Interests of the Child. 



In our latest Trusted Regina Legal tip, we share information on domestic violence and the Children’s Law Act when considering the best interests of the child.


On March 1, 2021, The Children’s Law Act, 2020 (the “CLA”) came into force. The CLA amended the criteria for the best interests of the child analysis, directing the courts to more effectively consider family violence as a factor when determining decision-making responsibilities and parenting time.

The relevant sections of the CLA for determining an appropriate parenting order are sections 10(1) through 10(4), which now specifically require the court to take into consideration any family violence including the nature, seriousness and frequency of violence, the harm or risk of harm to the child and the pattern of this behaviour, amongst other factors. 

Allegations of domestic violence are present in a significant number of applications before the court. However, more often than not, the alleged abuser categorically denies the allegations. The issue of who to believe and what weight to attribute to the allegations has been a common issue in family law. With the new amendments to the CLA, these issues are, once again, front and center.

Since the CLA came into force several cases have come before the Saskatchewan Court of Queen’s Bench addressing this issue. In Juraville v Armstrong, 2021 SKQB 73, the mother and father both alleged physical, verbal, emotional and sexual abuse at the hands of the other and denied, absolutely and completely, the version told by the other. Mr. Justice Megaw performed an in-depth analysis of how the court considers contradictory evidence of domestic violence in light of decision making and parenting, stating:

 

The real question, therefore, is not whether particular events, or any events, did or did not happen. Those may be determined in a trial, or they may remain undetermined. The focus of the court now must be on, and remain on, the best interests of these children and how to safely structure parenting in view of what is being alleged. The allegations of violence and abuse must, of course, be considered in determining these best interests. Such consideration is done not from a perspective of punishing the alleged abuser, or any party. It is important to keep in mind, by addressing the allegations of violence and abuse and by inserting protections, the court is not to be seen as having made findings of fact regarding these allegations.
 

Ultimately, despite the significant allegations of domestic violence, Mr. Justice Megaw determined that the concerns regarding allegations of violence could be addressed by ensuring the parties did not interact on a personal level and that the evidence did not support a conclusion that the children’s best interests would prevent parenting time with either the mother or father.

In a similar decision, DW v EO, 2021 SKQB 157, both parents alleged domestic violence was inflicted by the other and adamantly denied they were the perpetrator of any abuse. Despite the allegations, Madam Justice Richmond determined that it was still in the child’s best interests to have a shared parenting arrangement to facilitate the relationship between the child and both parents. This, despite the fact that both parents alleged family violence, demonstrated an unwillingness to cooperate with the other regarding the care of the child with violence and arguments continuing to occur in front of the child and a high level of anger and animosity towards each other.

While it is now a legislative requirement through the CLA for the court to consider domestic violence when analyzing the best interests of the child, it is still only one of many factors for the court to consider in a highly subjective analysis. Based on recent case law, the presence of domestic violence, particularly where the violence has not been inflicted on the child, appears to have minimal impact on the best interests of the child analysis.


Robert Mackay and the team at Mackay & McLean offer a variety of legal services and are able to represent you in a variety of situations that require counsel. In addition, they offer a free initial consultation. Trusted Regina Lawyers, based in Regina Saskatchewan, specialized in real estatecriminalpersonal injurycommercial & family law.

See more legal tips from Mackay & McLean here 




The Trusted Regina Team are Thrilled to Introduce you To Artemis Homes A Trusted Regina Home Builder

The Trusted Regina team is thrilled to brag about Artemis Homes our newest Trusted Regina Partner! We are thrilled to welcome Myles and the team to the Trusted Regina Community of business operated with integrity. Artemis Homes is a Trusted Regina Custom Home Builder 


Artemis Homes-Innovation, Comfort, Community  

At Artemis Homes, they focus on building high-quality, single-family homes throughout the Regina area. The leadership team headed up by President Myles Winnicki & Chairman John Grant have decades of combined construction and customer service experience.

Artemis Homes are dedicated to offering professional exterior and interior design, made with quality materials and extreme value. With over 450 builds across Western Canada under their belts, they strive to meet the needs of their customers and strengthen the community one home at a time. They work closely with the local home plan designers at Robinson Residential,  and currently, Artemis Homes boasts impressive 11-floor plan options to choose from (and growing).

The Artemis team have build's happening across the city, from infills in the highly sought after Cathedral District to plots at Westerra, a 490-acre Community located off Dewdney Avenue in West Regina, that offers a truly unique living experience.

Myles (pictured right) runs a tight ship, and he is passionate about maintaining excellence in every aspect and at every stage of every build.  When the Trusted team toured some of the current homes under construction we were very impressed by how clean and tidy the job sites are. Myles pointed out the details that matter to him, including the triple glazing, which is a standard feature in all Artemis Home. Myles is the face of Artemis and he has been involved within the construction industry for over 35 years. He started out as a construction labourer and over time he worked his way up the ladder gaining valuable experience on the way. He has developed a reputation within the industry for being immensely prepared and organized leading to an efficient build process. Myles truly understands what goes into building your home and he will ensure it is built right.


We take pride in our work and run our business with integrity.  We truly love doing business in Regina and are proud to be part of this wonderful community. Trusting a good, reputable home builder with one of life’s biggest investments is very important and we don’t take your trust in us lightly. The Artemis team is committed to client satisfaction and we even offer a doorstep-to-deck warranty. That’s right, we stand behind what we build! - Myles Winnicki

WHY Choose Artemis Homes? 

If you are looking for a Regina home builder there are many reasons we recommend considering Artemis Homes and we list a few of them below:  

  1. They are a team of skilled individuals who stand behind the work they do. You can see their commitment to integrity from the planning stages all the way through to completion
  2.  They put their all into everything they do, right down to the last detail. You want your home to be perfect…and so do they!
  3. They strive to be on the leading edge of home building innovation best practices.
  4. They focus on the details that matter. If you walk through their show home you won't fail to be impressed at features like the lighting and the mouldings. 
  5. Their warranty- their industry-leading doorstep to deck protection. Two-year open warranty, giving you peace of mind.

As part of the Trusted Regina verification process, we spoke to several clients and suppliers to get a feel for how they operate. When we chatted to their interior designer Erica Eftodie, who is an Interior Design Technologist at Robinson Residential she said, 

 "Artemis will allow designs to have quality products and materials in order for the concept to come together in a meaningful way. Attention to detail is important when a design package is created and Artemis takes the time to understand why you chose the finishes you chose and agrees to make each individual choice a priority to pulling off the entire look. They do not shy away from designs or cut corners because they are complex, expensive, or time-consuming, they put pride into their work and make the home beautiful so that the space can be enjoyed by anyone who resides in it." 

Check out the Artemis Homes Trusted Regina Listing to read more reviews and to see all they do. Be assured their team has a personal commitment to exceed their clients' expectations through quality service, build practice, construction, and value

Artemis Homes Is A Trusted Regina Home Builder


Trusted Regina team brags about James Wruth a Trusted Regina REALTOR®

The Trusted Regina team is thrilled to brag about our newest Trusted Regina REALTOR®. We are thrilled to welcome James Wruth to the Trusted Regina Community of business operated with integrity.  James Wruth is a Trusted Regina Real Estate expert



James Wruth of RE/MAX An Expert At Your Side

James Wruth is one of Regina’s most trusted and top-selling Realtors. A member of Remax Crown Real Estate since 2006, James works with families, individuals, investors, and developers in the purchase and sale of residential properties. Since 2006, James has been a consistent Top Producing Realtor, and he has been awarded numerous prestigious distinctions including Re/Max 100% Club distinction, Platinum Sales Award, and Remax Hall of Fame induction.







A Regina real estate professional known for his extensive market knowledge and his unmatched devotion to his clients, James’s success is based almost exclusively on client referrals. He earns the respect and loyalty of his clients by working tirelessly on their behalf and by always offering them honest and candid advice.

"James is an outstanding Realtor who takes the time to provide unbiased advice around any properties we were looking at in order for us to make an informed decision. His attention to detail professionalism patient manner allowed both my wife and I to confidently assess options and we could rely on him to provide pros and cons while keeping in mind our needs for our perfect home. James always went the extra mile. You have created raving fans out of us both " - Colin Romano- Regional Manager Investment and Retirement planning - RBC Royal Bank 


James Wruth believes that relationships are more important than transactions and he has built his Regina real estate business around that philosophy. 
 
When we sat down with James our team was immediately impressed with his authenticity and professionalism. He has over 15 years in the Regina real estate industry and is clearly an expert who loves what he does. He shared that he has worked diligently to build the business over the years, apart from when he took a year off in 2016-2017. This was because James made the decision to put his career on hold and spend as much time as he could with his father before he passed away in September of 2017. James is a family man through and through and he is a proud father to 3 daughters.  

Community Support.


James Wruth is committed to supporting the community and actively supports many Regina non-profits and charities,  including Children’s Miracle NetworkHospitals of Regina FoundationSouls Harbour Rescue MissionThe Royal Canadian Legion and the Saskatchewan Wildlife Federation.


He believes in personalized one-on-one service to fully understand you, your real estate goals and to be 100% accountable to you. If you are looking for a real estate agent who works tirelessly on your behalf and always offers honest and candid advice then James is a perfect choice. 



"The responsibility of selling your home in Regina and area does not come lightly to me. I understand the effort and challenges that surround the decision to sell your current property, and I will provide the real estate expertise, resources and strategies to guide you through it seamlessly. I'm here to provide you with the guidance you need to feel confident and absolute certainty that you are in the right hands." James Wruth


Sell Your Home For The Best Possible Price, With The Least Amount Of Time and Stress!

James Wruth Is A Trusted Regina Estate Agent



Trusted Regina Insurance experts at Campbell & Haliburton Tip On Basic Auto Damage Insurance

Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina can assist you with finding the plan that works best for you. In their latest Trusted Regina Insurance Tip, they share a tip on Basic Auto Damage Insurance


. In our latest Campbell & Halliburton Regina auto insurance tip, we share important information from SGI that explains basic auto insurance coverage.

Basic Auto Insurance Coverage – Tips and Information From Campbell & Haliburton Insurance


When you register a vehicle, you pay a flat registration fee and get a basic package of insurance on your plates. The insurance includes:

  • coverage for damage to your vehicle, subject to a deductible
  • personal injury insurance from a vehicle collision
  • liability insurance for damage your vehicle causes to another vehicle or property, or injury to others

Vehicle damage and your deductible. 


Physical damage your vehicle suffers from a collision is covered by your basic plate insurance, subject to a deductible. The deductible is the amount you must pay before your basic plate insurance covers the rest of the costs. Most vehicles with basic plate insurance have a $700 deductible.

If you have minor damages that will be less than your deductible to fix and you won’t make an insurance claim, you can pay for the repairs on your own. This is also true if you are responsible for the damage.

The chart below shows the specific deductible amount that applies based on the class of the vehicle.

 
Class Vehicle Type Deductible
Class A Light vehicles (under IRP) $700
  • Heavy trucks
  • Heavy cargo vans
  • Power units
$2,500
  • Pro-rated heavy trucks
  • Cargo vans
  • Power units
$15,000 (optional)
Class C
  • Heavy trucks
  • Heavy cargo vans
  • Power units
$700
Class D
  • Heavy trucks
  • Heavy vans
  • Power units
$700
Class LV
  • Passenger vehicles
  • Motorcycles
  • Motorized bicycle/pedal cycle
  • Antiques
  • $700
  • $700
  • $350
  • $500
Class MT Snowmobiles Not applicable1
Class PV
  • Heavy trucks
  • Heavy vans
  • Power units
$700
Antiques $500
Class TS
  • Trailers
  • Semi-trailers
$500
Class T
  • All trailers (except metal or fibreglass/other cabin trailers
$400
  • Metal cabin trailer
  • Fibreglass/another cabin trailer
  • Based on customer declared value:
  • Valued at $1,000 or less - $400
  • Valued at $1,001 or less - $500
 

Who pays the deductible after a collision?

Whether or not you pay your deductible depends on who caused the collision and if your vehicle has been damaged.
Situation Pay deductible? Details
You’re responsible for the collision Yes If the cost to fix your vehicle is more than your deductible, your basic plate insurance covers the difference.
You’re not responsible for the collision No The responsible driver’s insurance covers the cost to fix your vehicle.
Your vehicle wasn’t damaged in the collision No If your vehicle isn’t damaged, you don’t have to pay your deductible. This applies if you’re responsible for the collision or not. If the other driver’s vehicle is damaged, your insurance covers the cost to fix it.
You and the other driver are equally responsible for the collision and your vehicle was damaged Yes – you pay half If the cost to fix your vehicle is more than half your deductible, your basic plate insurance covers the difference.
You and the other driver are equally responsible for the collision and your vehicle was damaged, but the other driver is uninsured or from outside Saskatchewan Yes You pay your full deductible up front but SGI will try to get half of it back from the other equally responsible driver.
Your vehicle is stolen, vandalized, or damaged from a:
  • hit and run
  • storm
  • fire
  • collision with an animal
  • single-vehicle collision
Yes You pay your full deductible when there’s no other party to collect it from.

Deductible Payment Plan

If you have basic plate insurance and you're eligible, you can use the Deductible Payment Plan to pay your deductible over 10 months.

Reduce your deductible

If you want to pay a smaller deductible, you can buy an SGI CANADA Auto Pak with the deductible option that works best for you.

Coverage for vehicle damage

Your vehicle is covered for its actual cash value. This is the market value of your vehicle when compared to similar vehicles, with similar equipment, mileage and condition as your vehicle.

Coverage limitations

There are some limitations on vehicle damage coverage. For example:
  • Loss or damage to a vehicle insured under antique use
    • $800 less your deductible of $500
  • Loss or damage in classes A, C, D or TS (commercial trailers)
    • unless it says otherwise, limited to $15,000 or the declared value, less your deductible
  • After-market audio, visual, sound or communication equipment
    • capped at $1,500 per incident or collision - $2,200 less your $700 deductible
If your vehicle is damaged, take steps to make sure more damage doesn’t happen. For example, if your vehicle's window is broken, put a plastic cover over the window to prevent water damage from rain.

Extra damage coverage

For increased protection, you can choose to buy extra damage coverage with an auto extension policy through your insurance broker.

Liability insurance

If you’re responsible, or liable, for a collision, you’re responsible for the cost of the damage you’ve caused, which includes:
  • damage to personal property
  • physical injury or death to another person
  • a victim’s lost or potential income
Your basic plate insurance includes $200,000 of liability coverage. If you’re responsible for losses more than $200,000, you’ll have to pay for the difference out of your own pocket.

Increase your liability insurance

If you'd like to increase your liability insurance coverage, you can choose to buy an auto extension policy through your insurance broker with the liability coverage limit you like best.

Injury insurance

All Saskatchewan residents, drivers and non-drivers, are automatically covered with No-Fault injury coverage unless they choose Tort injury coverage. Any physical injuries you suffer from a collision are covered under your basic plate insurance. For details visit the Auto injury insurance page.

Examples of coverage

Example 1: You're responsible for a collision that causes a fair amount of damage to another vehicle. The other driver also has minor injuries and needs 3 months of physiotherapy after the collision.

 
Total cost of other driver's injuries and repairs $15,000
Total paid by SGI $15,000
Total paid by you $0

Example 2: In the same collision as above, your vehicle also needs a few repairs:
Total cost of repairs to your vehicle $1,000
Total paid by you (deductible) $700
Total paid by SGI $300

Your total cost for this collision is $700. Without the liability insurance included in your basic plate insurance, you would have been responsible for $15,000 from your own pocket.


As you climb into your vehicle the next time, you can do so with the assurance that you are covered with the auto insurance that best meets your needs. If you don’t have an insurance broker and want to talk to someone who is truly passionate about your insurance, contact  Campbell & Haliburton Insurance. 


Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. We also know insurance inside and out, so please contact us for all of your insurance needs and we will be more than happy to help ensure what you value most is protected.

Trusted Regina insurance brokers

**(This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.)

Trusted Regina Shares 6 New Year’s Resolutions for Every Homeowner



6 New Year’s Resolutions for Every Homeowner


Lately we have been spending much more time in our homes than usual. With homes and finances at the forefront of many household conversations, here is a list of 6 things you can do to improve both your home and your finances. 

Pay Off Your Non-Mortgage Debt FIRST!

The general rule of thumb is that you should focus on paying off higher-interest debt before lower-interest debt. You may be paying a higher rate on a credit card or private student loan than on your mortgage, so you'd benefit more by paying those off early.

Don't pay so much toward the higher-interest debt that you risk defaulting on mortgage payments. Yes, credit cards can be expensive, and the issuer may take legal action if you default on card payments. But defaulting on mortgage payments can be an even bigger risk because you could lose your home.

Build A Realistic  Emergency Fund

Owning a home comes with many responsibilities and expenses, some that you can plan for in advance, like property taxes, and some that just pop up unexpectedly. If you haven’t already started saving for those unexpected expenses in an emergency fund or rainy-day fund, the new year is a great time to start! Saving any amount is beneficial in an emergency, but about 3 to 6-month’s salary is usually recommended. A high-interest savings account is a good place for your emergency fund. You’ll still be able to earn interest on your savings, and it’s not entirely locked away in case you need to access the funds quickly.

For some people, work-from-home measures may be in place indefinitely. The lines between your personal and professional life may be blurred during this time. The best way to keep firm boundaries is by trying to maintain a similar routine to when you’re in the office. Ensure you set boundaries to limit overtime work, always take breaks throughout the day, and log off your work computer at the usual end of the workday.


Make Your Home As Energy Efficient As Possible

We live in Saskatchewan, so there's no avoiding heating and cooling costs, and they will only rise as time goes on. Whatever you can do to make your property more energy-efficient is a worthwhile investment! It also makes it more attractive when you decide to sell. 

For tech-savvy homeowners, making your home more energy-efficient with smart thermostats or programmable LED lights can be fun! Even if technology isn’t your thing, minor fixes around the house can help make your home more energy-efficient and save you money. Here are a few things to add to your list:

  • Seal all air leaks around windows and doors
  • Use cold water or energy-saving settings for washing machines and dishwashers
  • Unplug devices and appliances when not in use
  • Lower your thermostat while you’re away from home or in less-used areas of your home
  • Install a low-flow showerhead
  • Opt for energy-efficient window treatments like honeycomb shades

Make Your Home A Space You Love 

Starting off the new year ( or a new week! ) in a clean, organized space is a huge mood booster. With many people working from home now, organized space can also help your productivity. While there’s no right or wrong way to declutter and organize your home, one useful method is to work by room to make the task more manageable. Look at everything you have and split the items into three piles: Keep, Donate, and Toss. Perhaps you could read Marie Kondo's book The Life Changing Method of Tidying Up, she is a Japanese professional organizer with a simple method to declutter your life, from clothes to books to knickknacks. She wants you to answer just one simple question when it comes to any of the items in your house:

Does it bring you joy?

If you answer yes, you keep the item. If you hesitate or say no, you donate it or throw it out. It’s simple, it’s brilliant, and it’s completely intuitive. 

Once you’ve decided what’s staying, you can make sure everything has a designated place to keep things tidy in the long run.

Start A Household Maintenance Checklist 

As with most New Year’s resolutions, it’s easy to start the year off strong, but as time goes on, it may become more challenging. Set yourself up for success and stick to your home goals by creating a household maintenance checklist. Create a recurring calendar reminder so you never forget to handle tasks around the house. For example, set a reminder to change your HVAC filter every three months or clean your eavestroughs twice a year. Proper home maintenance is a good way to prevent having to pay for home repairs over time.

Plan To Pay Off Your Mortgage Sooner

Depending on how much you still owe on your mortgage, paying it off may be daunting but don’t be discouraged. Even small steps now can help you become mortgage-free sooner. Start by increasing your regular payments. For example, instead of purchasing a takeout dinner, put that extra $50 towards your monthly mortgage payment. Keep that up for a year, and you’ve already put an additional $600 towards your mortgage and, over five years, an additional $3,000.

Another simple way to pay your mortgage off faster is to put any additional or unexpected income towards your mortgage. That can be anything like funds from a tax return, a bonus from work or inheritance. Before you make any pre-payments, double-check your mortgage pre-payment options with your mortgage lender so you don’t exceed your allowable limits.



Previous Posts

ADDRESS

S & E Trusted Online Directories Inc
TrustedRegina.com
310 Wall St #209
Saskatoon, SK   S7K 1N7
Ph: 306.244.4150

GET THE APP

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