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.
by Jeremiah Worby
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?
Am I financially dependent on someone else?
Do I plan on living in the same city upon retirement?
Have I taken into account inflation?
What if interest rates rise?
Do I plan on living in the same home upon retirement?
Do I have or need insurance?
Do I have a will, power of attorney, health care directive in place?
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.
The Trusted Regina team is thrilled to brag about our newest Trusted Regina REALTOR®. We are thrilled to welcome Meriel Gordon to the Trusted Regina Community of businesses operated with integrity. Meriel Gordon is a Trusted Regina Real Estate expert.
Meriel Gordon made an excellent first impression when we initially chatted about her business. Her passion for real estate was evident, and she is one of those people that makes you feel instantly at ease and comfortable. That trait is a bonus when choosing a Regina real estate agent to work with. We could easily see why Meriel built a solid business based on referrals and repeat clients. She shared that she loves building long-term relationships. Throughout her 30 year + career, Meriel has helped over 1500 clients with their real estate needs. Ongoing referrals from past clients, centres of influence and friends speak to Meriel’s integrity, professionalism and her commitment to service.. Meriel is committed to making every move as smooth as possible, and she takes even more exceptional care and attention to those making those final moves. This tells you a lot about her integrity and warm, caring personality.
An Award-Winning Regina Real Estate Expert
Meriel has been recognized with many sales awards over the course of her career. In December 2021, she was recognized as an eXp Realty Canada ICON AGENT. To be an eXp ICON means agents have achieved specific production requirements and represent the company’s core values in a 12-month time period.
At eXp, their core values are more than just motivational posters on the virtual walls; they support their vision and shape their culture. The Trusted team fully supports these values listed below.
- Community Be a good neighbour to create a sustainable legacy.
- Service Make a positive change in our company and the local community.
- Sustainability Be a good financial steward of the environment, organization and our families.
- Integrity Do the right thing.
- Collaboration We are all on the same field.
- Innovation The best way to predict the future is to invent it.
- Agile Force chaos and change to survive and grow.
- Fun Don’t take yourself too seriously.
We asked Meriel how she ended up with a career in Real Estate.
" I thought I was going to be a Vet, then a Pharmacist then a banker. In 1981 I went to a Home Buyers’ Laws and Procedures Workshop and I instantly knew I wanted to be a real estate agent. The mortgage rates were 18%, I was 23 years old, I knew nothing about real estate but I was determined to be a Realtor® so I could help people. And although it is decades later, I still love this business. I am helping people every day. I am humbled. People let me into their lives. They share their stories with me. I share in the journey with them. Real estate is not just a career to me; it is a huge part of my life."- Meriel Gordon
Over the years Meriel has learned to be versatile, she values education and continually takes courses. She studies the ever-changing market trends and statistics. Meriel said that she believes she will never know it all or have seen it all, and she strives to be in front of the trend for her clients. We spoke to many of them as part of the Trusted Regina verification process
, and we can share that they were all were huge fans of Meriel.
"Meriel is great! She and her team exactly know what they are doing. They provide excellent customer service and have in-depth knowledge of the business. We refer clients with high assurance that they receive the very best in their craft. Their experience hone the skills and talents that they share with their referred clients. Thank you Meriel for your team and the wonderful experience. May you and your company continue to grow and help your community. " -Mario Daniel Sconza
" Meriel is the best realtor in Regina! She is the utmost professional who is very knowledgeable about the real estate market. She truly cared about selling my property and did so quickly, especially in this difficult market. She was very responsive to my calls and questions. I highly recommend Meriel and rate her as 5+++!"- Deb Zick
In January 2022 Meriel Achieved the CLHMS® Certified Luxury Home Marketing Specialist, she is an expert in the Regina high-end homes market.
Meriel Gordon's career has been built on honesty, integrity, and always trying to do what is best. There have been huge changes in the way the real estate industry operates, but the premise of the business has always remained the same; helping people, and that is her purpose.
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
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.
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!
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.
Reed Security Headquarters
306.653.3200 or 1.844.384.SAFE (7233)
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!
To see a demo of the Reed HD Video and the AMAZING quality-..click here
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.
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.