Trusted Tips and Resources

Trusted Tips & Resources

The Trusted Regina Team Brag About CH Living Your Trusted Regina Property Management Company

CH Living Joins Trusted Regina In The Regina Real Estate Category

The Trusted Regina Directory team is thrilled to brag about our newest Regina partner in our Regina Real Estate Category. We would like to welcome and introduce you to CH Living Your Trusted Regina Property Management Company With The Best Regina Apartments For Rent! 

CH Living take big steps to make their properties a great place to live and call home. They want your Regina apartment rental experience to be positive and long lasting. Many of their buildings are conveniently located in downtown Regina. The focus of the CH Living Team is on renovations, preventative maintenance, quality materials, and communication. That became very apparent when we were speaking to past and current residents as part of the unique Trusted Regina verification process. The folks we spoke to were very impressed with the buildings, the amenities and the helpful and friendly staff at CH Living. 

" I've lived here for a little over six months and have nothing but good to say. From property manager CH Living's staff to caretakers Gale & Dean, they are all so responsive to tenant inquiries. The building itself is quiet and well kept. Lobby was updated a few years ago, as are all the suites as folks move out. Security is good, outside parking nearby. Location can't be beat, between downtown and Wascana Park, and also near the little Broadway strip with grocery store. Shoppers Drug Mart and 7-11 one block away. All manner of salons and spas in the Transition neighbourhood. All appliances are new, air conditioning works, balcony and sunset is a bonus."- L. Zwart - Regina

CH Living has numerous properties with rental units in Regina and they literally have something for everyone. They have number of properties that have apartment rentals for adults only, many of the CH Living Properties are focused on the needs of independent senior living, and they also have several family friendly buildings. You can check out all CH Living properties as well as a list of current Regina apartments available for rent on their website here. If you would like more information on any of the properties or want join a waiting list for a building, simply contact Quinn, Cindy and the CH leasing team, they will be happy to assist.  

A History Of Trust In An Industry Full Of Horror Stories

The “CH” in CH Living is synonymous with Campbell & Haliburton - the CH Group - this is the parent company that was established in 1957, the company has been a landmark to the Regina Cathedral community, and includes sister companies, Campbell & Haliburton InsuranceCH Living and CH Built ( a disaster remediation & renovation company that also does the ongoing maintenance on the CH Living properties). The CH group has a stellar reputation and the integrity starts at the top, with the CH Group President,  John Grant. 

John is a visionary and deeply committed to providing opportunities that benefit all members of society. He is passionate about creating opportunities and a path for success for people living in social exclusion. His dedication and ongoing commitment to our children and families make him a unique and outstanding individual. John was the recipient of the 2021 Association Of Fundraising Professionals ( AFP ) Outstanding Community Partner Award. Learn more about him in the video below. 

Trusted Regina  warmly welcomes John and the CH Living team to the Regina directory of excellence and we are proud to give them the ‘Thumbs Up’! See all they do and read more reviews by clicking on the link below! 

Location, Community, Exceptional Quality ...It's Your Home.

CH Living is Your Trusted Regina Property Management Company

Trusted Regina Lawyers At MacKay & McLean Explain Custody and COVID-19 Vaccinations

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 are TRUSTED REGINA LAWYERS. In Mackay & McLeans latest legal tip they provide helpful information for separated couples about chid custody and COVID-19 Vaccinations. 

Things To Consider Regarding Custody and Covid Vaccinations- A Legal Perspective 

 Most parents who are separated or divorced will have joint decision-making authority (previously known as joint custody), through a separation agreement or court order. This means that both parents’ consent is required for medical decisions, which includes vaccinations. For most parents, the decision to vaccinate their children is an easy decision to make. However, with the introduction of the experimental COVID-19 vaccine, whether or not to vaccinate is a rapidly increasing issue in family disputes. This issue is further complicated when the child reaches an age where they can express their opinion on the issue.

Canadian courts, in considering the views of a minor when determining what is in their best interests, contemplate what is referred to as the “mature minor doctrine.” In deciding whether or not to take a child’s voice into consideration, the court considers the child’s age and their maturity. Even if the court does decide to take the views of a child into consideration, the child’s wishes are not determinative. Rather, they are simply one factor to be taken into consideration against the entire backdrop of the situation.

The issue of competing wishes amongst a child and their parent(s) on obtaining the COVID-19 vaccination was recently addressed by Mr. Justice Megaw of the Saskatchewan Court of Queen’s Bench in the decision O.M.S v E.J.S., 2021 SKQB 243. The father of a 12-year-old daughter sought an order allowing him to get his daughter vaccinated without the consent of the mother, who was opposed.

The father wanted his daughter to receive the vaccination due to his concerns regarding the COVID-19 virus, while the mother was opposed based on the daughter’s desire not to have the vaccination, the daughter’s diagnosis of vaccine toxicity, and the mother’s general opposition to vaccinations and concerns about the accuracy of COVID-19 information.
In making his decision, Mr. Justice Megaw undertook an analysis of the Divorce Act and relevant case precedents with his primary focus being on the best interests of the child. In considering the child’s wishes, Mr. Justice Megaw stated:
I cannot simply, in any event, exercising the Court’s parens patriae jurisdiction, leave the decision in this regard in the hands of a 12-year-old. She is, after all, a child. She is 12. She is entitled to expect the ongoing guidance of the adults in her life and she is not entitled on all matters to simply make a decision on her own. This is one of those situations. Her views, as suspect as they may be, do not carry the day here.
Mr. Justice Megaw, taking into consideration the global pandemic, the child’s needs, and the child’s views and preferences, determined that it was in the best interests of the child to receive the vaccination without the consent of the mother, despite the contrary desire of the child.

In a similar decision, D.P. v G.M., 2021 QCCS 3582, the Superior Court of Quebec decided in favor of a 12-year-old child receiving the COVID-19 vaccination who, unlike in O.M.S v E.J.S., 2021 SKQB 243, expressed a desire to receive the vaccination. The child’s mother asked the court to grant an order allowing her son to receive the vaccine, while the father refused as he believed the child already had antibodies and was concerned about side effects due to the child’s weight and previous allergies. The child was represented by his own lawyer and representations were made on his behalf confirming his desire to receive the vaccination.
The court, focusing on the best interests of the child, determined that it was in the child’s best interests for the vaccination to be administered without the consent of the father. When considering the child’s wishes, the court stated:
Although the child’s desire cannot be considered as decisive in the present matter (only a minor aged 14 years and may give his consent to care alone), the Court notes that the child’s wish is serious and well-reasoned.
In a decision of the Ontario Superior Court, A.C. v. L.L., 2021 ONSC 6530, the parents of 14 year old triplets agreed that their children had the capacity to make a decision on whether or not they received the COVID-19 vaccination. The court, in light of the parents’ agreement, allowed for two of the children to receive the vaccination, and one not to, based on their respective wishes.

While there have been a limited number of reported decisions addressing children and the experimental COVID-19 vaccination in the context of a separation or divorce, the courts appear to be ruling in favor of a child getting vaccinated in accordance with public health guidelines, regardless of the wishes of the child or a vaccine-hesitant parent.
If you are separated or divorced and dealing with the issue of vaccinating your children, our lawyers are ready to help. Contact our office for a free 30 minute consultation.

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. They are Trusted Regina Lawyers, based in Regina Saskatchewan,  and they specialize in real estatecriminalpersonal injurycommercial & family law.

See more legal tips from Mackay & McLean here 

Trusted Regina Electricians Active Electric Are Gemstone Lights Authorized Dealers in Regina

Active Electric are Trusted Regina Electricians and they get it right the first time, delivering all electrical services including installation, upgrade, and repair solutions. In their latest Trusted Regina electrician tip, they share the news that they are an authorized dealer for Gemstone Lights in Regina.    



Gemstone Lights offer many fun ideas and opportunities to make your home or business more awesome. Below is a list of 10 reasons we think you should consider when purchasing our Smart Outdoor Lighting Solution.

1. North American Owned & Manufactured

Gemstone created their own proprietary products that you cannot find or buy off the shelf. They aim to be the best lighting company the market has ever seen. At Gemstone Lights, they constantly strive to make their products better each time which the team at Active Electric love because we get the best of the best.

2. Mesmerizing Animations- 11+ Patterns

Currently, they are 11 different types of patterns you can choose from that will make your home look awesome. Within each of those patterns, you have limitless options to create almost anything you want.

3. True Warm White!

This is an absolute customer favorite! LEDs are phenomenal and powerful, but even more amazing is the ability to use a soft white that can give your home a subtle ambiance. This color is perfect for a warm summer evening playing in the dark!

4. Individual Waterproof Connectors

You probably have seen the strip light look on hotels or restaurants which is showing up on homes now. From a tech standpoint, the long strip of lights is exactly that, strips connected to each other. What sets up Gemstone Lights differently is that they don’t utilize the strip set up for a few reasons. Gemstone lights are waterproof and individually connected to handle the seasons, but more than that, they are easy to replace should one become faulty. It usually takes longer to put a ladder up than to change the actual LED! Waste is minimized this way and customers love that they know they have more control.

5. Architectural Lighting

Each LED on your home is individually controlled which gives you more control and versatility. This allows you to create some awesome lighting patterns with endless ideas. Now you can create an amazing architectural look and feel using any colors you desire.

6. Set Multiple Timers

Gemstone Lights has created timers for your system that can turn on and off your lights or patterns whenever you want. You simply choose the date, time, pattern and turn it on. Customers like being able to turn on lights at a certain time during the mornings and turn off when they want. You can even use the architectural lighting options to turn on certain lights at certain times which gives you lots more control.

7. Low Profile Design

It is very important to create a look that blends into your property. Gemstone thought long and hard about how the LEDs show and we believe that they created the best low profile design available on the market. When your lights are turned off, you don’t get the hang-down look out of place like look like others.

8. Bumper to Bumper Warranty

Gemstone Lights offers a strong 2-year warranty. Their LEDs are graded to 50,000 hours which will give you a longer shelf life than other lighting products by a large margin. They stand behind their products 100%.

9. Custom iOS & Android App

Use custom programmed iOS and Android apps designed specifically for the Gemstone Lights system. The investment customers make to get into a Gemstone Lights system outweighs the alternatives. For example, the average person who buys LED lights for Christmas will spend around $200+. Those lights will give you a specific shelf life as the manufacturing is not designed to last long term. Those companies want you to buy more lights over and over!

The cost to replace the bad “strands” of lights is not worth it so customers, feel obligated to buy more lights, and by then, the colors don’t match. Customers will get into the trap of buying them all over again.

Factor in the cost to pay someone to hang them AND take them down for you each year. That can range from $300- to $800+ depending on the size of your home. That’s just Christmas too!

With Gemstone Lights, having lights year-round with our permanent solution gives you way more use and time to use it to the fullest. Now you can add in additional holidays, seasons, birthdays, architectural lighting and more!

10. Your lights will be cooler than your neighbours!

Lol. Fact. Far too often we hear from customers' neighbours who finally say, “my neighbour has them and we want them too!”

Bonus! Control your system from anywhere using Gemstone Cloud technology!

Whether you are on vacation or at home, you can control your lights remotely on your mobile device  

If you’re interested in a free no-obligation quote for Gemstone Lights, contact the team at Active Electric today! 


Trusted Regina Insurance Provider Campbell & Haliburton Insurance Explain Auto 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,, 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 explain all the ins and outs of auto insurance.

So you’ve moved to Saskatchewan. Fantastic! From one transplant to another let me say “Welcome!”  It is a great place to live, work, and raise a family. But can I be honest? Sometimes our auto insurance can seem just a little confusing. When I moved here years ago I was confused... and I’m in insurance! Let me walk you through what auto insurance terms you will hear most often as well as what they mean.

Auto Insurance Terms


One of the most common terms you will hear in the world of Saskatchewan auto insurance is “SGI.”  SGI stands for Saskatchewan Government Insurance. This is our provincial auto insurance company. They started back in 1945 and are still going strong! Through the SGI Auto Fund, they are responsible for things such as issuing driver’s licenses and providing you plate insurance and registration. They are also the ones you will turn to if you have an insurance claim. In order to get a driver’s license or to plate your vehicle, you will need to go through SGI. To do this you will normally need to go to a Motor License Issuer. Okay, so what is an issuer?

Motor License Issuer

There are motor license issuing offices in virtually every city, town, and village in Saskatchewan. Larger centers such as Regina or Saskatoon actually have quite a few. But even most smaller towns and villages have at least one. To find the office nearest you go to:

The issuer's office is where you will go to actually renew your driver’s license or to register the plate for your vehicle and to get insurance. Issuing offices are run independently, each having its own staff, hours of operations, and locations, however, each one has the same strict guidelines that they need to follow. SGI clearly spells out what can and cannot be done and how it is to be done. They also provide training and ongoing support to their issuers. This protects you because it means the advice that you receive at one issuer's office should be the same as what you receive at another no matter where you are in the province.

You will occasionally hear people referring to their issuing office as “SGI” as in “I’m at SGI getting my plates renewed.” That’s not strictly true, but issuers are certainly agents of SGI and acting on SGI’s behalf.

Driver's License

In order to operate a motor vehicle in Saskatchewan, you need to have a valid Driver’s License. The license you use to drive. It also spells out what type of vehicle you can drive. Your license will show if you are able to drive a car or light vehicle, a motorcycle, school bus, or large transport truck. In order to obtain a driver’s license, you will need to pass a test that has both a written and a driving component. Obtaining a license for a higher class of vehicle requires higher requirements still. More specialized driving training is required in order to operate semi-trucks and motorcycles. People, such as myself, who have moved to Saskatchewan from other provinces or countries may be eligible to have their driver’s license transferred. Your motor license issuer will be able to tell you exactly what documentation you need in order to do this.


When you register a vehicle in Saskatchewan you also purchase insurance, often called “plate insurance.” This is different from other provinces. In most cases, Saskatchewan’s plate insurance provides you with $200,000 of third-party liability and with $700 deductibles. There are exceptions to this, such as trailers, snowmobiles, and some large trucks have different limits. But for most cars, trucks, SUVs, and minivans this is what the plates will provide.   


A deductible is an amount that you need to pay in the event of a claim. If you are at fault in an accident, if you are the victim of a hit and run, or if you have the misfortune of a hail claim or have your vehicle vandalized, you would be responsible to pay your deductible. In most cases, the deductible that you get with your plate insurance is $700. Your vehicle registration will show what your deductible is.

Auto Insurance: Liability 

Your plate insurance also provides you, in most situations, with $200,000 of coverage. Liability insurance provides coverage if you cause damage to someone else’s property or if you injure someone else. For example, if you were driving and hit another vehicle, your $200,000 of liability would pay to cover their damages. $200,000 is the minimum required by law in Saskatchewan.

All Saskatchewan plated vehicles are insured through SGI and carry basic plate coverage. You are able to have your driver’s license or plate insurance renewed at any SGI issuing office in the province.

Extra Insurance

Some people choose to purchase additional insurance. For many people driving with $200,000 of liability insurance, while sufficient to satisfy the law, is just too low. They want to increase that to $2,000,000, or $5,000,000 or even more. Others want to lower their deductibles. For them, while paying $700 is not enough to bankrupt them, it is enough to be an inconvenience. So they purchase an additional policy to lower their deductible. Others travel distances on gravel roads and are concerned about damage to their windshield. Still, others who purchase a brand new vehicle and want to protect their investment with replacement cost.

These are all additional coverages that are available. However, lower deductibles, higher liability, or replacement cost coverage are not part of your basic plate insurance coverage. For these, you need a separate policy. While you are able to renew your plates or driver’s license at any SGI issuing office, your extra insurance would be renewed only through the location it was originally purchased from.

Terms, Terms, Terms

Here is where you will hear a number of terms thrown around. Auto Pak, Package Policy, or Auto Extension Policy are among the most common. Some of them are specific names that specific insurance companies use. Auto Pak, for example, is a term that is specific to SGI CANADA.

Wait? What? SGI CANADA? I thought you said SGI?

SGI through their Auto Fund is responsible for basic plate insurance. SGI CANADA is an entirely separate company from SGI Auto Fund. SGI CANADA is a private insurance company that provides home insurance, commercial insurance, and additional auto insurance. While it shares part of the name and is a sister company, it is nonetheless, a separate company from SGI.

Auto Insurance, So Many Choices

Consumers have a choice of if they want additional insurance or not and if so, which insurance company they want to use to provide it to them. While the basic plate insurance is always through SGI and is a mandatory requirement in order to operate a motor vehicle, the additional insurance can be from one of a number of companies. While you can go to any motor license issuer to plate your vehicle or renew your driver’s license, you purchase any additional insurance through an insurance agent or broker.

Broker or Motor License Issuer?

Insurance offices often have two separate functions. Many of them have a motor license issuer designation. This means that you can do the majority of your SGI transactions there. But they also have an independent broker component. While that might sound confusing, it can actually make your life easy with one-stop shopping.

How Does Auto Insurance Work?

Say you purchased a vehicle and need to insure it and you come to our office at Campbell & Haliburton. The first thing that you will do is speak with one of our motor license issuers to assist you in plating the vehicle. Once that is done you have purchased the basic insurance required to drive. There is no need to go any further if that is all you are wanting... However, you may want to head down the hall to one of our brokers who can talk with you about any additional coverages that you might need, whether lower deductibles, replacement cost, or higher liability. They will provide you with a quote and if you agree you can purchase the additional insurance without ever need to leave the building.

Now as you walk out the door, you do so with the assurance that you are covered for what auto insurance you need. If you don’t have an insurance broker and want to talk to someone who is truly passionate about your insurance, contact us at Campbell & Haliburton Insurance. We would love to talk to you.

- Daryl Arendt, Office Manager & Licensed Insurance Broker

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.

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:

Trusted Regina Financial Management Consultant John Barabe Discusses Boom and Bust

John Barabe  is a Trusted Regina Financial Management Consultant and he has an unwavering commitment to quality and service which has enabled him to build and retain a successful practice in Regina. He and his team of Regina financial professionals and support staff  believe that planning with honesty and integrity are cornerstones to improving their clients' quality of life. He applies his knowledge to help clients make the right choices when considering all the product and service options that exist in today's marketplace. In his latest Trusted Regina financial expert article he shares a Boom and Bust Report! 

Boom Bust Report

August 2021

I am sending this out as material information to keep everyone informed. This is not a solicitation for any investment. This is only meant to provide perspective and update you as best as I can from the extensive ongoing research that I do.




We live in interesting times. In history there have been bubbles; however, they used to be contained to a region or asset. The Dutch Tulip Bubble (1630’s), South Sea Bubble (1720), 1929 crash, and more recently the 2000 Dot Com Bubble and the 2008 U.S. Housing bubble to name a few. But none of these engulfed the entire world. Fast forward to today. By nearly any metric, the stock markets are now at highs never seen before. 

How is this possible? 

Companies are shut down, closing stores and offices, or running way below capacity due to an inability to bring in workers and customers staying home.

Bond prices are also in the stratosphere. Since when do negative interest rates make any sense? This is the epitome of a bubble. Negative interest rates are only possible when investors overpay so much for a bond, that they are guaranteed to lose money. Interest rates around the world are either near, at, or below zero. Thus, loans are super cheap as interest rates are the lowest in human history (because bonds are the highest priced in history). 


To complete the “everything” bubble, we must include real estate. Real estate prices are a factor of the affordability of the monthly payment. Even though real estate prices are extremely high, payments are still affordable due to the lowest interest rates in history. Recent increases in housing are now eclipsing payment affordability despite the record low rates. If rates were “normal”, housing prices would have to be much lower.

The bubble is not limited to stocks, bonds, and real estate. There are other signs of a bubble. Intangible Non-Fungible Tokens (NFT-digital record of ownership), empty canvasses, non-existent music and most recently a woman’s intangible “love” have been priced in the many thousands or even hundreds of thousands of dollars! Really? 


Wondering what an NFT is? 

In order to really understand an NFT on an intangible asset, I will equate it to a tangible asset like a house. With an NFT you own a document that says you own the “house”. But anyone else can own the house as well (digital copy is identical to the original) and the masses can and have downloaded your house exactly as you did. The only difference is you paid a fortune for the ownership document. See the following example.


A digital artist named Mike Winkelmann sold his NFT (of the below image ) for US $69 million!! 

What did the buyer get? Anyone can still view “Beeple’s” original and even make exact copies of it at no cost. $69 million just does not buy what it used to. In my mind the buyer bought nothing.

There is evidence of a major bubble, now well known as the everything bubble (do your own search of the “everything bubble”). We know logic would have us buy low and sell high. When we buy high, we reduce our potential for return and increase our downside exposure (increase risk). The masses buy high and sell low despite this logic. Success secret: do the opposite. 


Regardless of the evidence that stocks, bonds, and real estate are in a bubble, there are still great opportunities for your life savings. Being aware of the dangers allows you to protect yourself and even profit from the opportunities they provide. 


I hope you are enjoying the remaining summer as we all know too well what comes next. If you have any questions, or just want to catch up, please feel free to touch base by email, phone or with an in-office appointment. 



John Barabe, Madison Schenher and team.



5 and 6

Earlier this month, the Italian artist Salvatore Garau sold Nothing for a mere €15,000 ($22,000) – making him an underachiever extraordinaire at a time when Nothing is sacred, and people are clamouring to pay millions for it.

“You do not see it but it exists; it is made of air and spirit,” Mr. Garau said of his “immaterial sculpture,” titled Io Sono. “It is a work that asks you to activate the power of imagination.” And yet, if he had been financially savvy, he would have issued an NFT, a non-fungible token, for the work. Back in March, a digital artist named Mike Winkelmann, better known as Beeple, sold a digital collage as an NFT – not some physical artifact, but just a spritz of bits attesting to a kind of ownership-adjacent non-ownership. Anyone can still view Beeple’s original and can make exact copies at no cost. The buyer spent US$69-million.




11   According to BMO, home buyers must have a minimum 5% down payment for homes worth less than $500K. For homes between $500K and $1M, home buyers must have at least 5% for the first $500K and 10% for the remaining amount. For homes worth more than $1M, home buyers must have a minimum 20% down payment.

12 Ninepoint presentation July 21, 2021 slides 10 and 11. 

13  well done research that details how the world used gold/silver for most of history. The reserve currency misinformation chart that is used wide spread. Less to do with reserve currency and more to do with fiat. 



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.



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