Trusted Regina Financial Advisors at Worby Wealth Management Discuss Credit Ratings

6. Jun 2022 Ashlyn Regina Financial Services, TRUSTED TIPS

Chris Worby and Jeremiah Worby are Trusted Regina based financial advisors and Wealth Management services providers servicing local Regina households and businesses. With over 20 years of experience, Worby Wealth Management has been committed to providing a high standard of financial service to individuals, families and business owners. Worby Wealth Management listens and provides a personalized financial plan.

Credit Ratings

by Jeremiah Worby

We’ve all heard the stories from someone we know (though we may or may not like that person) about having been a victim of some form of identity theft. Identity theft can drastically affect your credit rating, and your credit rating affects almost everything in your financial world.

Whether you’re looking to apply for a credit card, take out or renew a mortgage, get a car loan, or want to borrow a million dollars from that loan shark down the street, your credit rating will greatly impact the interest rate which you might receive for such loans.

There are two major players in the credit rating world of Canada – those being Equifax and TransUnion. You can, and we suggest you do, go to both these websites and sign-up for their free service to check your credit scores.

Equifax

Directly from their website, Equifax states:

“We are a global data, analytics, and technology company. We believe knowledge drives progress. Our unique data assets, technology and analytics transform knowledge into insights to power decisions that move people forward.”

Here’s a wonderful and short read [they claim it’s 2 minutes but I think it’s way more like 3 minutes :)] from Equifax about what impacts your credit score.

https://www.consumer.equifax.ca/personal/education/credit-score/what-impacts-credit-score/

TransUnion

Directly from their website, TransUnion states:

“Our mission is to help people everywhere access the opportunities that lead to a higher quality of life. By helping organizations optimize their risk-based decisions and enabling consumers to understand and manage their personal information, we empower both to take their destinies into their own hands.”

Here’s a true 2 minute read from TransUnion about 5 factors that affect your credit score.

https://www.transunion.ca/what-affect-credit-score?

Find Out More

Whether you’re 20 years old or 50 years old, credit ratings are of utmost importance. Contact Worby Wealth Management to help fix your credit score and set you on the path to success!

Some of the services that Worby Wealth Management can help you with:

TRUSTED REGINA FINANCIAL ADVISOR Chris Worby from Worby Wealth Management helps you live your dream!

The comments contained herein are a general discussion of certain issues intended as general information only and should not be relied upon as tax or legal advice. Please obtain independent professional advice, in the context of your particular circumstances. This Blog was written, designed and produced by Jeremiah Worby and Chris Worby for the benefit of Jeremiah Worby and Chris Worby who are Financial Advisors at Worby Wealth Management, a registered trade name with Investia Financial Services Inc., and does not necessarily reflect the opinion of Investia Financial Services Inc. The information contained in this article comes from sources we believe reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any securities. Mutual Funds, approved exempt market products and/or exchange traded funds are offered through Investia Financial Services Inc.

Trusted Regina Financial Advisors at Worby Wealth Management Share Expense Considerations After Retirement

10. May 2022 Ashlyn Regina Financial Services, TRUSTED TIPS

Chris Worby and Jeremiah Worby are Trusted Regina based financial advisors and Wealth Management services providers servicing local Regina households and businesses. With over 20 years of experience, Worby Wealth Management has been committed to providing a high standard of financial service to individuals, families and business owners. Worby Wealth Management listens and provides a personalized financial plan.

Retirement Considerations

by Jeremiah Worby

One of the biggest financial questions on everyone’s mind is whether or not they will have enough money to retire. Not only do savings and investments need to be taken into the equation, income and expenses also need in-depth analysis.

Expenses

Will my daily coffees increase in price? Although I’m poking fun, inflation is a serious concern. Everyone’s expenses will clearly vary from one person to another, but some other considerations need to be taken into account, such as:

Will I be able to find work if needed?

If income falls short, will a new source of income be required?

Am I financially dependent on someone else?

Or is someone else financially dependent on me?

Do I plan on living in the same city upon retirement?

Costs of living can vary greatly from one city to the next

Have I taken into account inflation?

Will my entertainment and hobby expenses increase during my retirement years?

What if interest rates rise?

Will I be able to afford my home if rates rise?

Do I plan on living in the same home upon retirement?

Will I downsize?
Is condo living a consideration due to limited mobility (that could mean increased expenses due to HOA fees)?

Do I have or need insurance?

What if something unexpected happens during retirement?

Do I have a will, power of attorney, health care directive in place?

Making sure all angles are considered and taken care of in your retirement years can help you live without unneeded stress

Find out more

Whether you’re 30 years away or just a few months from retirement, proper retirement planning is essential. Contact Worby Wealth Management to start planning your retirement today.

Some of the services that Worby Wealth Management can help you with:

TRUSTED REGINA FINANCIAL ADVISOR Chris Worby from Worby Wealth Management helps you live your dream!

The comments contained herein are a general discussion of certain issues intended as general information only and should not be relied upon as tax or legal advice. Please obtain independent professional advice, in the context of your particular circumstances. This Blog was written, designed and produced by Jeremiah Worby and Chris Worby for the benefit of Jeremiah Worby and Chris Worby who are Financial Advisors at Worby Wealth Management, a registered trade name with Investia Financial Services Inc., and does not necessarily reflect the opinion of Investia Financial Services Inc. The information contained in this article comes from sources we believe reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any securities. Mutual Funds, approved exempt market products and/or exchange traded funds are offered through Investia Financial Services Inc.

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

13. Mar 2022 Trusted Regina Regina Real Estate, Trusted Regina new Trusted partner , TRUSTED TIPS

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 Network, Hospitals of Regina Foundation, Souls Harbour Rescue Mission, The 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 Alarm & security pros at Reed Security Share Their Security Checklist

14. Jan 2022 Trusted Regina

When you become a Reed Security Group commercial client you will be entering into a relationship - one they want to grow and become long-term. Last year over half of REED Securities business came from word of mouth! REED SECURITY IS TRUSTED REGINA ALARM and SECURITY expert.

Use this helpful Reed Security checklist to keep the odds of being a victim of break in's in your favour.

1. SHARE INFORMATION

Let your neighbours know if there is unusual activity or crime on your block.
Join your local Neighbourhood Group on Facebook and learn about recent activities.
eg: Neighbourhood Watch
Share video and images from your doorbell camera or security cameras.
Share information with the Police as it may help with an arrest

2. BE SMART

Ask all strangers for identification. The person who is “lost” and looking for directions could actually be a burglar checking to see if someone is home.
DO NOT advertise on Facebook or Instagram that you are travelling. You may think you’re letting your friends and family know you’re having a great time, but people often forget to change their privacy settings. If you like to post photos - post them after you get back.

3. LOCK YOUR DOORS AND WINDOWS

Many burglars go door to door looking for targets that forgot to lock their front doors and car doors. Make sure all doors and windows are locked.
If you lose a key get the locks changed.
A better alternative is to eliminate keys altogether by installing an Alarm.com smart lock with a built-in keypad.
Install monitored door and window sensors.
When your security system is "armed" an instant alert is sent to your smartphone and our 24/7 Monitoring Stations

4. USE PROPER LIGHTING

Burglars target unoccupied homes so keep your home well lit at night.
Install timers that turn lights, radios and televisions on at different times. This gives the appearance that someone is home.
A better option is to install Alarm.com smart lights and smart appliance modules and set them up on an alternating schedule.

5. INSTALL A SMART SECURITY SYSTEM

$0 Smart Security packages range from $34.95/mo. to $79.95/mo.
Protection against intrusion, fire, carbon monoxide, flood, low temperature and more
No phone line required
Alarm.com smartphone and desktop apps
400% less likely to have a break-in
Up to 20% of homeowners insurance - consult your insurance broker

6. INSTALL SMART CAMERAS

Check on your property from Anywhere, Anytime with a doorbell camera
Get instant alerts when a person is at the front door
Speak to visitors
All events are recorded and can be used as evidence
Secure your entire property in color 24/7 with our $0 ColorVu Camera Sale

CUSTOMISE THE PERFECT SECURITY SYSTEM FOR YOUR HOME OR BUSINESS.

Drop us a line and get a FREE SECURITY EVALUATION or skip the form and call us

REED SECURITY

Reed Security Headquarters

306.653.3200 or 1.844.384.SAFE (7233)

REGINA SECURITY

306.206.0700

When you become a Reed Security Group commercial client you will be entering into a relationship - one they want to grow and become long-term. Last year over half of REED Securities business came from word of mouth!

COMMERCIAL PRODUCTS:

..click here

REED SECURITY IS TRUSTED REGINA ALARM and SECURITY expert.

Trusted Regina Real Estate Lawyers at MacKay & McLean Explain The Duty to Disclose

14. Jan 2022 Trusted Regina

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 your TRUSTED REGINA LAWYERS. In Mackay & Mclean's latest legal tip they provide helpful information on the duty to disclose in real estate transactions.

MacKay & McLean Discusses the Duty to Disclose

Buying Regina and are property? Wonder what the obligation on the Seller is to, to be honest? This is called the duty to disclose.

When buying property, the rule of thumb is caveat emptor or buyer beware.

For this reason, many buyers obtain a home inspection. However, a home inspection may be a double edge sword, as it can negate potential title insurance claims.

The Seller has a duty to disclose latent defects or defects that are not readily observable. Observable defects are generally referred to as ‘patent’ defects. The problem here is that Sellers disputing the claim often claim that they were ‘unaware’ of the defect. This may permit them to escape liability. It is difficult to establish what they did or did not know.

For practical reasons this relegates many to investing in the fix rather than in a law suit.

The failure to disclose a latent defect may entitle a Buyer to collapse a transaction, have it set aside or damages. Please consult a lawyer with respect to your specific situation.

The Property Condition Disclosure Statements that are often included in transactions are somewhat helpful, in that they at least provide some record of the representations made with respect to the property. The MLS listing or web site advertisement, if bought privately, is also very helpful. Lastly, if you are relying on some specific representation, e.g. the ability to build a garage on the property or that the jacuzzi tub works, then make it a term of the contract.

Please contact MacKay & McLean for a free consultation and to discuss any concerns or answer questions you have on real estate and property law

Read all of our Regina Real Estate Law articles here

Buying, Selling or Refinancing Real Estate Property in Regina and area, or need general legal advice?

Being a small Regina, SK firm, the lawyers of MacKay & McLean give personal, professional attention to each of our clients, thus maximizing results while minimizing cost. Our lawyers and front office staff take the time to talk to you so that you are comfortable with the process. More importantly, we take the time to listen to you.

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, specializing in real estate, criminal, personal injury, commercial & family law.

Trusted Tips & Resources

Trusted Regina Financial Advisors at Worby Wealth Management Discuss Credit Ratings