Trusted Tips and Resources

Trusted Tips & Resources

Talk To The Insurance Experts - Trusted Regina Insurance Provider Campbell & Haliburton 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 Campbell & Halliburton Regina Home insurance tip, they share the August 2022 Talk To The Experts Regina Home Insurance Show. 


In August 2022 we aired our first Campbell and Haliburton Talk To The Experts Show on CJME 980AM the theme of our first show was Home Insurance!  

Part 1 – Regina Home Insurance Show



Part 2 – Regina Home Insurance Show


Packages for Home Insurance are not one size fits all.  We all have different needs and different budgets. At Campbell & Haliburton,  we will help you determine the best home insurance for you.  Confused by terms like Prestige, Broad Form, or Comprehensive Insurance?  We’ll explain this to you in ways that will make sense.  Plain talk you can understand – not insurance-speak. Life can be expensive. Protect you and your family with reliable, understandable home insurance from Campbell & Haliburton. We help you look after what is important to you.


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 get in touch with us for all of your insurance needs and we will be more than happy to help ensure what you value most is protected.

Campbell & Haliburton's doors opened in 1957. Since then, they have seen run-away inflation, recessions, and now, a global pandemic. Through it all, their doors have remained open as they are committed to providing outstanding service to you. No matter what the next years and decades bring they have committed to continue to stay open to serve you.


Campbell and Haliburton Insurance are a Trusted Regina Insurance provider.

They offer many different insurance policies to protect the most important areas of your life including:


**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 Insurance Provider Campbell & Haliburton Insurance Discuss Gifting Vehicles

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 Campbell & Halliburton Regina Home insurance tip, they are going to review: can you gift a vehicle to a family member?


The short answer is “it depends.” 

What do you mean by a family member?  We all consider “family” to mean different things.  For some, our spouse’s second cousin’s aunt’s brother-in-law twice removed is family.  For others, we got lost in the “second cousin” part.  Thankfully SGI had defined who is and who is not qualified as family when it comes to gifting as vehicles.  The term that they use is “First Degree Relatives”  First Degree Relatives would include spouse, parent, child, grandparent, grandchild and sibling.  Actually, it gets a little more technical than that, so the best to ask before you give away your vehicle.  You can contact our motor license issuers at hello@mych.ca or on MyCH live chat.

Once you have determined that the person to whom you are gifting qualifies as a First Degree Relative you will need to draft a letter stating your relationship with the new owner.  The new owner needs to present this letter when they are registering the vehicle.  Now if the vehicle has not had the Saskatchewan tax paid it will be subject to PST.  But again, our knowledgeable staff can assist with the fine points of this.

What if you want to not gift the vehicle, but sell it for a low, low cost?  The same rules apply.  If you are looking to sell for less than the fair market or red book value, it must again be to the first degree relative.

We get it, when we are passing on vehicles to family members, typically we either give them the vehicle or sell them for a dollar.  However the mold can be broken, when Daryl’s daughter was due to inherit his car he sold it to her for a whopping $3.28.  Why that amount?  Simple!  Daryl loves coffee, and a large dark roast coffee at his favourite coffee shop cost exactly $3.28.  That’s him!   How about you?  What is the most outrageous price you have ever sold a vehicle for?  Let us know on our Facebook page.

Based on our research and the current guidelines from SGI, it is a fact that you can gift a vehicle to a family member. 

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 get in touch with us for all of your insurance needs and we will be more than happy to help ensure what you value most is protected.

Campbell & Haliburton's doors opened in 1957. Since then, they have seen run-away inflation, recessions, and now, a global pandemic. Through it all, their doors have remained open as they are committed to providing outstanding service to you. No matter what the next years and decades bring they have committed to continue to stay open to serve you.


Campbell and Haliburton Insurance are a Trusted Regina Insurance provider.

They offer many different insurance policies to protect the most important areas of your life including:


**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.

Making Sense of Insurance from Regina Financial Advisor John Barabe

John Barabe and Madison Schenher understand that everyone's financial situation is unique and that managing your wealth can be complex and time-consuming. They have has an unwavering commitment to quality and service which has enabled John to build and retain a successful practice in Regina. The team of Regina financial advisors and support staff believe that planning with honesty and integrity are cornerstones to improving their clients' quality of life. They apply their knowledge to help clients make the right choices when considering all the product and service options that exist in today's marketplace. In their latest Regina financial advisors expert article, John and Madison help you make sense of insurance. 


Making Sense of Insurance


To simplify what coverage is most important, I will divide the coverage types into two main categories: Financial Inconvenience, and Financial Disaster. Financial Inconvenience coverage you can live without. It does not make this coverage bad, just not devastating to your loved ones. Financial Disaster insurance is of far greater importance. 

Financial Inconvenience Insurance

What is financial inconvenience insurance? Examples include $300 Coverage for a new pair of glasses and an extended warranty on a toaster oven. Neither of these would wipe out the household if they had to be paid for directly. Even larger appliances or cell phones could fall under this category. The loss might be hundreds of dollars to fix an item, or even a couple thousand. Definitely put a pinch on the household for a few months, but this reflects the importance and purpose of an emergency fund. 

If not for liability coverage, a package policy on your car would fall under this category. Taking your deductible down from $700 to $200 saves you $500. This is the financial inconvenience part. Liability coverage on the same policy can be a million dollars or more. This falls into the financial disaster area. I would recommend that this type of coverage be thought of as a financial disaster for this reason.

Please understand that financial inconvenience insurance is not bad. This is a personal decision. My experience is that many people will spend money to have financial inconvenience insurance, but come up short or have no crucial financial disaster coverage. The context I am sharing is for you to better understand what deserves your attention and money to protect. 

Financial Disaster Insurance

One of the biggest losses you and your family could sustain is a loss of income. Think of earning $50,000 per year for 30 years. That is a loss of $1,500,000 and would be catastrophic to the household. Your loss of income should be protected against surviving but being unable to work and also in the event of death. 

Disability insurance protects you if an event happens that you survive but no longer can work. With a long-term disability, not only is there a loss of income, but you can end up with additional expenses due to your disability. 

Life insurance protects the household in the event of death. In this case, the loss can include final expenses, legal, accounting, tax, debt, and loss of income. Life insurance should take into account many factors, even beyond the financial portion (estate planning). 

Another type of insurance that is less popular is critical illness. Coverage is a lump sum paid if you survive a heart attack, stroke, cancer, etc. for 30 days. There can be a long road to recovery that is not always covered under other insurance. The funds help to offset your health care costs, such as uninsured prescriptions and treatments, hotel, travel, time off work, home care, and modifications to your home or vehicle. The dollar amount can be less with this coverage as long as you are adequately protected with disability and life. Critical illness can be thought of as filling in the gaps left by traditional coverage.

Insurance can be complex. Our professional independent approach simplifies your insurance planning so that you can be rest assured your family is protected.


 

I am sending this out as material information to keep everyone informed. This is not a solicitation for any investment. Before making any investment decision, please contact us for professional investment advice through our extensive planning process. This is only meant to provide perspective and update you as best as I can from the extensive ongoing research that we do. 

The opinions expressed within this article/communication are those of the Financial Advisor and are not necessarily those of Keybase Financial Group Inc. Any data provided is for illustration purposes only. Clients and prospective clients should always read a product prospectus and fully understand all of the risks associated with the product before purchasing. Any information relating to the discussion of taxation issues is considered to be only general in nature. Clients should seek a qualified tax professional to discuss their specific tax requirements.

Third-party publications are not prepared by Keybase Financial Group Inc. The opinions, estimates and projections contained in the publication are those of the author as of the date indicated and are subject to change without notice. Keybase Financial Group Inc. makes no representation or warranty, express or implied, in respect thereof, takes no responsibility for any errors or omissions which may be contained therein and accepts no liability whatsoever for any loss arising from any use of or reliance on the report or its contents. The provision of this publication is not to be construed as an offer to sell or a solicitation for or an offer to buy any securities.

Keybase Financial Group Inc. is a member of the MFDA and is a member of the MFDA IPC.

Trusted Regina Custom Home Builder Artemis Homes Announce New Project!

Artemis Homes is a Regina home builder that you can trust with one of life’s biggest investments – your home! In their latest article, they are thrilled to announce they are now building at The Towns. Artemis Homes is a Trusted Regina Custom Home Builder. 


Announcing Artemis Homes At The Towns

The Towns is Regina’s newest Southeast Neighbourhood! Its location is superb for young families with schools, parks, pathways and lots of space for fresh air activities. Not a young family? … no problem! Whether you’re downsizing or just looking for a new space to call home, The Towns has opportunities for a mix of all housing types, that will accommodate all lifestyles.

With convenient access to Woodland Groove Drive, Arcola Ave and Victoria Ave The Towns is easily accessible to all of the growing amenities in Regina’s Southeast.


“The Towns is thrilled about Artemis Homes joining our builder family. Artemis has brought in an excellent portfolio of housing choices for our community, and we always enjoy our friendly interactions with them. We always love to see when builders bring on new housing designs, and Artemis certainly seems to be bold when it comes to new ideas!” 
Cathy Lawrence – The Towns

Check Out our Showhome at The Towns - 3089 Green Bank Rd


"We are thrilled to be a part of The Towns. Artemis has already started construction in The Towns. The developer, TerraDevelopments Inc. has a proven track record with the completion of Windsor Park and Skyview in Regina. The community has a great location and already has a tangible community spirit. The location also has great access to wonderful amenities, easy access to the bypass and is a great place to raise a family! The future for The Towns is very exciting. Come make The Towns your next Home, Sweet Artemis Home." 

- Myles Winnicki

President, Artemis Homes


Artemis currently has several properties under construction at The Towns, including the one below, The Sara.

Situated at 3065 Green Bank Road, excavation is started in June 2022 and we are on target to meet the completion date of mid-Fall. The Sara is a great family-friendly floor plan with the addition of the main floor office/den. Fantastic curb appeal!!

The Quinn is a stunning modern slim design. This home features an open-concept living area on the main floor and features a snug loft on the second floor perfect for movie night! Situated at 3155 Green Brook Rd, The Towns.  

The Jasper has a garage interior door leading to mudroom and laundry. There is a beautiful fireplace in the open-concept living space. Featuring a chef’s kitchen with an island and walk-in pantry with ample storage. Situated at 3061 Green Bank Road, The Towns.


We are dedicated to offering professional exterior and interior design, made with quality materials and extreme value. With over 450 builds under our belts as a team, we strive to meet the needs of your customers and strengthen the community one home at a time.


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 client's expectations through quality service, build practice, construction, and value.

Artemis Homes Is A Trusted Regina Home Builder


Meet The Designers at Trusted Regina Custom Home Builder Artemis Homes!

Artemis Homes is a Regina home builder that you can trust with one of life’s biggest investments – your home! In their latest article, meet their designer Erica! Artemis Homes is a Trusted Regina Custom Home Builder. 


Artemis Homes - Meet The Designer!

Artemis Homes combine the efforts of our awesome trade partners, high-quality materials and an effortless process to construct your dream home. One of our valued partners is Robinson Residential Design, they have decades of experience in the home design business and they are passionate about and experienced with providing well-designed house plans! 

In addition to our working relationship with the Robinson home designers, we work with Erica Eftodie, an Interior Design Technologist who is also part of the Robinson Residential team. 

Erica has a passion for interior design and organization! She joined Robinson Residential Design in 2021 and often gets to use her diploma in Interior Design Technology in residential projects. She has an eye for colour and loves creating 3D models in SketchUp. Erica enjoys working with intelligent, creative individuals and learning something new every day. Erica also enjoys a few hobbies – she plays the piano, and soccer and also enjoys playing with her kitty Terrance.

We sat down with her to ask her about her job and what she likes about working with Artemis!

What attracted you to interior design/decorating?

For as long as I can remember when I would walk into a room, I would imagine what I would do to make the space more beautiful. I would conceptualize all the ways I would improve the space and make it function better. I realized I had an eye for interior design when friends and family would always ask for my advice, and I genuinely loved helping them with their designs. Because of this, I decided to go to school to expand my knowledge and learn more about the field of interior design.


What is your favourite room to decorate? Why? 

I enjoy designing the kitchen, dining, and living spaces the most because they are typically used the most. I like to challenge myself in making these harmonize together and set the tone for the entire home. These are also the spaces that generally have main features I like to make the accents. Whether it be beams, fireplaces, or a spectacular view, I enjoy making these areas stand out as features. 


Where do you look for inspiration?

I look for inspiration all around me. When I go for walks in my neighbourhood, I like to see all of the character houses and what other people are doing with their homes. I follow many architectural and interior design accounts where I save inspirational photos on a daily basis, hoping I can one day personalize aspects of each design. I also look for inspiration from my coworkers who have outside-the-box ideas and the experience to help construct the design architecturally.


How is it working with Artemis & what do you like about our homes?

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.


What stands out about Artemis Homes?

It takes really great people to trust your process and take the time to listen and envision your design with you. The encouragement and support received in making your concept become a reality is unmatched. Working with people who care as much as you do about the overall outcome is extremely beneficial for any home designer. Myles specifically takes the time to hear my design ideas and does everything he can to make the concept a reality.


What’s your top design tip?

The best thing you can do for yourself when designing your own home is to not pay attention to fads but to stay true to your own taste. I would recommend keeping main finishes neutral so you can express your personality through interchangeable items, i.e., pillows, blankets, and patterns. This is the most cost-effective way to update the entire look of your home by changing out stylish items which will always look good with a neutral background.


"If you love the design and look of your home, it will never go out of style for you." – Erica Eftodie
We are dedicated to offering professional exterior and interior design, made with quality materials and extreme value. With over 450 builds under our belts as a team, we strive to meet the needs of your customers and strengthen the community one home at a time.


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 client's expectations through quality service, build practice, construction, and value.

Artemis Homes Is A Trusted Regina Home Builder


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