Trusted Tips and Resources

Trusted Tips & Resources

Trusted Regina Auto body Shop Bergens Auto Body answers CAN YOU PAINT MATCH MY VEHICLE?

Bergens Auto Body is a local family collision repair business and from the moment you walk in the door you will be treated like family! 

They are proud to have an amazing 80 Years Auto Body Experience, and they have been serving Regina Auto Body needs for over 30 Years....they have a loyal customer base that simply wouldn't think of going anywhere else. Bergen's Auto Body are a  Trusted Regina Auto Body Shop, they offer courtesy cars to their clients and they specialize in foreign vehicles. In their latest Trusted Regina Auto Body Tip they share information on paint matching. 

CAN BERGENS AUTO BODY GUARANTEE PAINT MATCHING?


Q: WILL THE PAINT MATCH ON MY VEHICLE AFTER MY AUTO BODY / COLLISION REPAIRS ARE DONE?

So you need to get you car fixed after an accident or collision. A safe repair is most important to the customers of our body shop in Regina, SK   but most consumers of newer vehicles are really concerned that the vehicle gets returned to its factory appearance. There are many techniques we employ to make a color match exactly to the rest of the factory paint on the car, such as blending and tinting. As auto body repair professionals we are faced with many challenges in matching the factory paint, so we thought we would share the process and challenges with you.

First challenge: The Factory Standard

The first challenge is the factory standard. Today, the average paint code has between three to seven alternates that are worth formulating. There is actually more but the auto paint manufacturers have narrowed them to down to keep the databases simple to use.

So why do the car manufacturers have so many variances?

Most manufacturers have three major paint suppliers. The manufacturer decides on a standard color for production and submits a painted sample to their suppliers. The paint manufacturer then produces a formula for the “standard sample” and is allowed a tolerance of plus or minus 5% when they deliver the paint.

Second challenge: Manufacturers geographical variance

The plant in the east coast may be getting a 5% shade greener on a blue metallic standard and the plant in the west coast may be getting a 5% shade violet on the same blue metallic standard. When compared side by side, they look like a completely different colour. This is the reason the paint manufacturers usually have the standard formula followed by two alternates. If the alternates are not available, the painter in the body shop usually mixes the standard formula and tints it accordingly.

The second reason for variances in paint colours is the metallic colour applications. The metallic colours are now classified in 7 categories. Extra fine, fine, medium, medium coarse, coarse, and extra coarse. The metallic colours control the value (lightness and darkness) of the color similar to what white does in a pastel color.



Metallic colors will cause variances in color when applied. Temperature, paint film thickness, flash off time between coats, fluid tip sizes, speed of the spray gun, surface type (Plastic or Metal) and humidity will all cause the color to shift lighter or darker.

The rule of thumb: the longer it takes to dry, the darker the color will change as it dries. This is caused by pigment flotation. The metallic flakes will settle down to the bottom of the paint film and push the pigment up causing the color to shift darker.

Yet despite these challenges, a good auto body painter can match your factory paint, using manufacturers’ paint codes, spray panel testing, and here at Bergens we have decades of good old-fashioned experience. 

So the answer is yes, the paint will match if you are using a reputable body shop like Bergens.

Bergen’s Auto Body & Collision Centre, they treat you like family and that means w work hard to give your vehicles back to you properly and most importantly safely!


Read more of Bergens Auto body Tips:



Trusted Regina Flooring Store Gives Some Inspirational Ideas About Sunroom Flooring.

What options are there for sunroom flooring?



Sunroom & Screen Room Flooring For a Perfect Oasis 

When it comes to installing or refurbishing sunroom flooring, you have a handful of options. Not all sunroom installations will include an option for flooring, so you’ll need to consult a contractor for your flooring needs. If you’re converting a spare room, deck, or porch into a sunroom know that sunrooms are a whole different animal from the rest of your home. Because they are exposed to the elements, albeit gently, as well as to traffic coming from outside, sunroom floors need to be sturdy and fade- and moisture-resistant. Picking out a sunroom flooring type can be challenging, especially if you want to use the room year-round. Floors here need to keep from overheating and burning bare feet when the sun is beating down hard, but they should also absorb some sunlight to warm the room come wintertime.


As with most things, each type of flooring has its advantages and its drawbacks. It’s all about picking the material that will work best for your needs. 



Carpet

If your sunroom also doubles as a playroom for your children, then the carpet might be a good choice. Low-pile is typically best, as it will be easier to clean in a room as busy as this one.  Additionally, carpet offers a wide range of colours and patterns, making it easy to coordinate with your home. 

Tile

Tile is without a doubt one of the most popular choices for sunroom flooring.  Between ceramic, slate, or natural stone, different tiles can completely change the look of this space.  It’s durable, easy to clean and can easily be matched with any existing furniture.  As an added bonus, it can help keep the temperature in a sunroom comfortable during the warmer months.

Hardwood

Another classic choice for a sunroom is hardwood flooring.  With a wide range of choices between species and stains, wood flooring provides warmth underfoot and the home-style look many homeowners seek.


Flooring Tips to Keep in Mind

  • Three season rooms generally aren’t insulated, so choose flooring that will help keep the space warm during the winter months as long as possible. 
  • Flooring in screen room additions should be durable and be able to withstand the elements since they are exposed to the elements all year round.
  • If you install carpet in your sunroom, stick to a thinner pile and make sure your windows have proper UV protection.
  • Treat wood flooring with an oil-based stain to prevent sun damage. Many home improvement stores have wide selections of these stains
  • Regardless of the option you choose, make sure to clean and maintain your flooring regularly to extend its life and maintain its appearance.






Trusted Regina Electrician Shares a TIP about Common Circuit Breaker Issues.

Active Electric are Trusted Regina Electricians and they get it right the first time, delivering all electrical services including installation, upgrade, and repair solutions.

Whether it's hanging a ceiling fan, installing a custom-designed landscape lighting system, installing a state of the art home theater system or rewiring a commercial structure, or other electrical services, you can call Active they are here eager to help and no job is too small! Customer service is always their top priority and they should be your first call for a Regina Electrician! 

Active Electric are your TRUSTED REGINA ELECTRICAL EXPERTS

Why Do My Breakers Keep Tripping?

There are a variety of causes that could trigger a circuit breaker. Some of these causes are fairly harmless but others could be putting your home in danger. For this reason, it is important to know the common causes of a tripped circuit.



Breakers can trip for a variety of reasons, and it is always important to know the cause of a tripped breaker. If your breakers are continuously switching, make sure that you contact an electrician. Some of the most common causes of tripped circuits include:

Overloaded Circuits

The most common cause of a tripped circuit breaker is an overloaded circuit. Circuit breakers are designed to trip when too much power is being drawn, as this can cause overheating and lead to a fire or damage all of the electrical devices plugged into the circuit. When something is plugged in that draws too much power or when multiple appliances are plugged in that overload the circuit, the breaker trips. If your breakers are tripping, check to see what is plugged in. 

Problematic devices could include vacuums, air conditioners, space heaters, hairdryers, and corded tools.


Short Circuits

A short circuit occurs when a hot or live wire comes in contact with a neutral wire somewhere in the circuit. This usually occurs at an outlet, light fixture, or switch. Short circuits can be incredibly dangerous, as they create massive amounts of heat. 

Short circuits are the most common cause of electrical fires.


Ground Fault Surges

Similar to short circuits, ground fault surges occur when two wires cross when they are not supposed to. When a hot or live wire comes into contact with a ground wire, the edge of the box, or any other grounded source more power than the circuit can handle will begin to flow through the system and a ground fault surge occurs. 

If not handled properly, this can lead to electrical fires and electrocution, so a licensed electrician should always be called.

If you are ever uncertain about a potential electrical issue in you home please contact Active Electric and one of their qualified professionals would be happy to come out and take a look.  They Also provide Free quotes! 


ACTIVE ELECTRIC are TRUSTED REGINA ELECTRICIANS -  Check out his listing here in REGINA ELECTRICIANS on the Regina Directory of excellence!


Trusted Regina Real Estate Lawyer Robert MacKay Shares That The Bank Of Canada has lowered the mortgage stress tests rate

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

When looking to buy, sell, or refinance a property, you need to hire somebody who is not a stranger to addressing the real estate needs of individuals and families. 

Bank of Canada lowers qualifying rate used in mortgage stress tests

The Canadian Press - Jul 19, 2019

With files from BNN Bloomberg


According the Canadian Press  and other sources The Bank of Canada has lowered the rate used by mortgage stress tests to determine whether would-be homeowners can qualify, marking the first drop in three years.

The central bank's five-year benchmark qualifying rate is now 5.19 per cent, down from 5.34 per cent.

It's the first decrease in the five-year fixed mortgage rate since September 2016, when it dropped from 4.74 per cent to 4.64 per cent, and increased steadily since.

Rob McLister, founder of mortgage comparison website RateSpy.com, says the dip will increase the buying power for mortgage borrowers by allowing them to afford up to 1.4 per cent more home.

For example, someone putting a 20-per-cent down payment on a home who makes $50,000 per year can now afford $4,000 more home, according to calculations by Ratespy.com.




The Bank of Canada's five-year benchmark rate is calculated using the posted rates at the Big Six Banks.

Home sales softened last year after the federal government introduced new stress test rules for uninsured mortgages, or those with a down payment of more than 20 per cent, and mortgage rates inched higher.

As of Jan. 1, 2018, to qualify for an uninsured mortgage, borrowers needed to prove they could still make payments at a qualifying rate of the greater of two percentage points higher than the contractual mortgage rate or the central bank's five-year benchmark rate.

An existing stress test already stipulated that homebuyers with less than a 20-per-cent down payment seeking an insured mortgage must qualify at the central bank's benchmark five-year mortgage rate.

The federal financial regulator has said that the new, stricter regulations aimed to tighten mortgage lending and take some of the risk out of the market.

Meanwhile, home sales have improved in recent months as mortgage rates have moved lower.

But on Thursday, the Ontario Real Estate Association called for less stringent mortgage rules, saying that policy changes are needed to counter a downward trend in home ownership.

OREA's chief executive Tim Hudak said in a letter to federal policy-makers that Ottawa should consider restoring 30-year insured mortgages, ease up on the interest rate stress test and eliminate the test altogether for those renewing their mortgage with a different lender.

Borrowers looking to renew their mortgages are subject to stress tests if they switch to a new lender, but not if they stick with their current one.

In a May letter to policy-makers, the chief executive of Canada Mortgage and Housing Corporation defended the stricter lending rules, arguing that "the stress test is doing what it is supposed to do."


For more questions and help with any legal property issues consult with our Trusted Regina Real Estate Lawyer Robert MacKay


Here is a list of more consumer tips by Robert MacKay 



Robert MacKay's team provides professional, personalized service and with their assistance, you can rest assured that your real estate transactions will be handled with the utmost consideration and care.

They  provide a full range of legal services including:

  • Real Estate & Mortgages
  • Wills & Estates
  • Family Law & Divorce
  • Commercial & Corporate Law
  • Litigation & Personal Injury

ROBERT Mackay is your TRUSTED REGINA REAL ESTATE LAWYER!



Robert MacKay your Trusted Regina Real Estate Lawyer expert explains how CRA may penalize you if you fail to report it.

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


It’s an exciting time – the old house is sold, the new one is ready, and all that’s left is the move…..oh wait – not quite yet! There's all that legal “stuff” to deal with now….signatures….titles to be given…and pages and pages of documents that need to be signed before the key is in your hand!!! And to top it all off – who really knows a good real estate lawyer?

Robert MacKay your Trusted Regina Real Estate Lawyer expert explains how CRA may penalize you if you fail to report it.

Reporting the sale of a principal residence was unnecessary before 2016, the year the federal government announced a series of steps designed to slow the housing market down and close housing-related tax loopholes. Some people used the previous lack of scrutiny of gains from the sale of a home to their advantage, including investors flipping homes, and others who owned both a cottage and a house and weren’t conscientious about declaring which was a principal residence.

CRA says that if you forget to report the sale of a principal residence, you’ll need to amend your tax return for that year as soon as possible. Late reporting may be accepted in some cases, but it’s possible you’ll have to pay a penalty equal to the lesser of $8,000 or $100 for each complete month you’re late in reporting.

In most cases, you won't pay tax on the money you make from selling your home if it was your principal residence every year since you bought it.

If you sold property in 2017 or after that was, at any time, your principal residence, you must report the sale on Schedule 3, Capital Gains (or Losses) corresponding with the tax year and Form T2091(IND), Designation of a Property as a Principal Residence by an Individual (Other Than a Personal Trust). 

According to CRA here is why you must report the sale.

For the sale of a principal residence in 2016 and subsequent years, we will only allow the principal residence exemption if you report the disposition and designation of your principal residence on your income tax return. If you forget to make this designation in the year of the disposition, it is very important to ask us to amend your income tax return for that year. Under proposed changes, we will be able to accept a late designation in certain circumstances, but a penalty may apply.

Once you have committed to either buying or selling your property, simply tell your realtor and lender, as applicable, that Robert MacKay will be representing you and to forward the appropriate instructions to MacKay & McLean, attention "Robert MacKay". 

Robert MacKay's team provides professional, personalized service and with their assistance, you can rest assured that your real estate transactions will be handled with the utmost consideration and care.

They  provide a full range of legal services including:

  • Real Estate & Mortgages
  • Wills & Estates
  • Family Law & Divorce
  • Commercial & Corporate Law
  • Litigation & Personal Injury

ROBERT Mackay is your TRUSTED REGINA REAL ESTATE LAWYER!



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