Why Trusted Regina?

It seems that everyone these days in Saskatchewan's capital is so busy with life, family, work and a million other commitments. When a need arises for a product or service and you can’t think who to contact where do you turn? Perhaps the business you select randomly yourself or find in other ways lets you down and does a bad job....living in Regina can present it's challenges ....with new businesses springing up all the time and existing businesses getting busier standards can suffer. Trusted is here to save you time, save you hassle, save you money and do the research for you...all the business on this site are contracted to uphold the 5 TRUSTED GUARANTEES.

Hear from the Trusted Founder Sara Wheelwright along with a user of the Trusted directories Janice Braden in this video below. Janice was ripped off by a disreputable contractor in Saskatoon and the Trusted community ( including 2 Trusted Regina partners ). stepped up to help, and we put her home back together again ..for FREE! 

Choose a Trusted business in Regina..you'll be glad you did!!

Finding the shortest and safest route to any of your dreams requires planning and only with a carefully thought out financial plan can you be sure to make the most of your resources and to protect against risks along the way. At Worby Wealth Management, Chris will do his best to help you achieve those dreams with a financial plan that is tailored to your specific needs and based on your individual situation.

Let TRUSTED REGINA's FINANCIAL ADVISOR Chris Worby from Worby Wealth Management help you live your dream!

Here Chris Shares A Tip About Too Much Stuff:

Too Much Stuff? What to keep…

If you’re like me, you find yourself with stuff – lots of stuff – all over the place. In a lifetime, we accumulate and accumulate and it’s hard to know what to throw out.

By no means exhaustive, this article has some good ways to catalogue stuff and may give you some ideas on how to keep your stuff sorted.

The following is an entertaining article:

George Carlin and the new retirement minimalism

It is finally spring. Among the rituals of spring is spring cleaning. 

Comedian and colorful social observer George Carlin described a house as "just a place to keep your stuff while you go out and get more stuff.” Spring-cleaning is an opportunity to sort that stuff — making the option of downsizing possible, ageing-in-place easier, or simply helping family members make sense out of all that “stuff” you have accumulated for decades. 

Over an adult lifetime, you collect your stuff, family stuff and legal stuff. Here are some ideas on what to do with it. 

Your stuff is everything under your roof. However, as you approach retirement, or may already be in retirement, that stuff makes life and future housing choices more difficult. The more you have, the more there is to maintain, clean and organize. A house full of furniture that was once the home of a family of five, but now only has two, makes the decision to downsize difficult. Moreover, should something happen to one member of a couple, a home's contents can be a near-insurmountable burden to manage and ultimately sort out. A new ritual of retirement may be the adoption of new retirement minimalism — eliminating items that are in the house because ... well because they have always been there. Even if you don't want to downsize to another home, consider what you can downsize while staying in the home you are in. 

Family stuff used to include furniture, glassware, tableware and a long list of family artifacts such as great grandfather Joe's steamer trunk. Lifestyles have changed and keeping and handing down family “things” has become less important. Just consider the fact that the children of the baby boomers — the millennials — aren't following the same life course timetable or preferences of previous generations. They are marrying later in life. Choosing to have fewer or no children. Moreover, the homes they are choosing, many in urban areas, are smaller. Consequently, mom's dining room set doesn't have a place to go and, even if your children have a need for a crib, chances are the one in your attic it is out of style or painted with something that has been, or will be determined to be hazardous. 

Family stuff today is about memories that can neither be bought nor replaced. Photos across the generations that are annotated identify who is in the photo and their relationship to children and grandchildren. Family videos that have been copied to the most current medium — no your VHS player isn't worth keeping. Even your own audio stories are recorded to memorialize family history. All of these items can be safely kept in the cloud, occupy little space, accessed by everyone while preserving generations of memories. 

Legal stuff includes important documents that you and your family need access to for managing legal, financial and health matters that will become more critical as you age. The list can be long but includes legal and financial records for real estate, wills, health proxies, medical orders and desired intentions, insurance policies, inventories and the assessed value of the insured property, investment records, bank account locations, etc. These documents, along with an up-to-date list of contacts for attorneys, financial advisers, accountants, physicians should be organized, discussed with selected family and friends, and copies maintained in the home as well as with the appropriate professional, e.g., a lawyer that assisted with will writing. 

Like spring itself, life after work is an opportunity to start new. Retirement spring-cleaning through all that stuff makes considering alternative housing options possible, simplifies life in older age, and can be an invaluable gift to loved ones. 

Warning: May contain offensive language. 

Check out his listing on the Regina Directory in the REGINA FINANCIAL SERVICES category. 

• Insurance Advice
• Investments
• Wealth Management Services
• Pay Less Tax With Tax Planning 
• Become Mortgage-Free Faster With Financial Education 
• Estate Planning 
• Retirement Planning 

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

Colin and Jason, the owners of Universal Plumbing and Heating Inc are proud to call Regina, Saskatchewan home, and they really pride themselves on offering the best possible customer service experience! The Canadian HVAC industry is notorious for bad service, and the guys at Universal started their company with the intention to do everything possible to create a good, solid reputation! They are in demand from both home owners and home builders alike.

Universal Pluming & Heating Inc are Trusted Regina Air Conditioning & Furnace professionals.

Here they share indoor air quality concerns.

All of us face a variety of risks to our health as we go about our day-to-day lives. Driving in cars, flying in planes, engaging in recreational activities, and being exposed to environmental pollutants all pose varying degrees of risk. Some risks are simply unavoidable. Some we choose to accept because to do otherwise would restrict our ability to lead our lives the way we want. And some are risks we might decide to avoid if we had the opportunity to make informed choices. Indoor air pollution is one risk that you can do something about.

In the last several years, a growing body of scientific evidence has indicated that the air within homes and other buildings can be more seriously polluted than the outdoor air in even the largest and most industrialized cities. Other research indicates that people spend approximately 90 percent of their time indoors. Thus, for many people, the risks to health may be greater due to exposure to air pollution indoors than outdoors.
 
 

In addition, people who may be exposed to indoor air pollutants for the longest periods of time are often those most susceptible to the effects of indoor air pollution. Such groups include the young, the elderly, and the chronically ill, especially those suffering from respiratory or cardiovascular disease.
 
 

If it's time to finally finish that basement or the year you refresh that tired old bathroom, maybe your office could use a redesign and some upgrades. Whether you are planning a renovation to your home or office space, AL SCHICK CONSTRUCTION can help!  They specialize in residential and commercial projects including interior and exterior renovations....from offices to old character and newly built homes. If you are planning a project or a renovation on a specific area of your home or business, look to the experts at AL SCHICK Construction to get the job done right! AL SCHICK CONSTRUCTION a TRUSTED REGINA CONTRACTOR and Renovation Expert

Here Al Tip on Hiring a Professional Contractor In Regina 

Before you consider hiring a contractor to complete repairs, regular maintenance or home renovations, make sure you have a clear idea of what you want to accomplish. Depending on the type of work want to be done, you may need to contact a contractor with specialized expertise. Ask lots of questions, research your options, and make sure all contractual obligations and payment terms are included in a signed contract. The following tips can help you when looking to hire a reputable professional. 

Research your options and consider contacting your local renovation and/or home builder associations for a list of professional service providers.

Get quotes from more than one renovator or service provider. This will help you compare prices and levels of customer service; be sure to discuss your project expectations, timelines, costs and possible interruption factors.

Ask questions about the company and the work to be completed, including:

• How long have you been in business?
• What is your area of expertise?
• Will you use your own staff for subcontractors to complete the work?
• What permits are required for the project?
• How much time will you spend supervising the site?
• How do you manage health and safety concerns on the site?
• What level of insurance coverage do you have?
• Do a background check and consider contacting the following agencies before selecting a service provider:

Information Services Corporation Branch (306-787-2962) to make sure the business is registered as a legal entity in Sk.

Workersʼ Compensation Board (306-787-4370) to make sure the company carries workersʼ compensation coverage. Without coverage, you may be liable for injuries that occur while staff are completing work in your home;

Better Business Bureau (306-352-7601) to see if any complaints have been registered against the company; 

Consumer Protection Branch (1-877-889-5550) to confirm your contractorʼs direct seller's license, if applicable. Licensed contractors are required to be bonded, which will provide you with some financial compensation in the event that problems arise during construction.

• Ask about warrant options– warranty coverage differs from company to company, make sure you understand what type or warranty is included and what it covers.

• Discuss payment options and get a cost break down of what is included in your estimate. Depending on whether your contractor offers a “fixed-price” or a “cost-plus” quote, different materials, labour and overhead will be included in the quoted price or charged in addition to the quoted price. Typical payment plans can require a 10 percent down payment and the rest in installments.
• Get a contract – a detailed written contract between you and the service provider is essential to any renovation or home repair project. All details should be included in writing, including start/finish dates, warranties on work and/or materials and the total project costs and payment plans. Never hire a renovator or service provider that refuses to provide a written contract.

Ask for and check references of past customers that had similar projects done with the contractor over the last two years. When checking references, you may wish to ask for the following information:

• If the project was completed on time;
• If they were happy with the results;
• If they were satisfied with the level of communication and customer service during and after the project was completed;
• If there were any cost over-runs;
• If employees left the site satisfactorily cleaned up after the home improvement project was finished.

Never hire a contractor that only accepts cash, offers unreasonable or extremely low prices compared to others, does not offer a written contract, and does not have an official address. These are warning signs of unethical business practices and can be an indication of future problems. Do not feel pressured to sign into a quick agreement – before making a decision, seek written quotes from at least two other contractors or service providers.

The Canada Mortgage and Housing Corporation (CMHC) have a simple checklist of steps that can help you choose the right contractor for any home remodelling project. You can view the checklist online by visiting www.cmhc.ca and searching “Renovation Checklist.” If your project is very large and involves thousands of dollars it may be wise to obtain a lawyer to help you with the contract.

 AL SCHICK CONSTRUCTION a TRUSTED REGINA CONTRACTOR and Renovation Expert

Wireless Lighting Controls:

One of the newest lighting solutions is wireless lighting controls. Wireless lighting controls are a great way to save money while being environmentally conscious. They allow you to wirelessly control lighting and small appliances in your home.

Imagine using a wireless, hand held remote to control overhead lighting, small appliances, outdoor lighting, holiday lighting, thermostats AND lamps. Imagine being able to time when your lights will turn on and off during the day. Envision being able to dim the lights down low or turn them up to full strength whenever you wanted. Picture a light that was smart enough to know when you entered and exited a room and turned the light on and off automatically. How convenient would that be?

Everyone can benefit from wireless lighting controls. It is convenient, efficient, economical, and provides an element of safety and security.

• Do you find it difficult to get up and down and wish there were an easier way to turn lights and small appliances on and off?
• Do you wish the bathroom light would turn on automatically when you entered?
• Do you wish that you could turn on your security lights from bed if you heard an alarming noise?
• Do you wish that you could preset your lamps, security lights, or holiday lights to come on at a specific time?
• Do you wish you could set the mood to entertain your guest with whatever intensity of light you desired?
• Do you wish you could turn the light off in the baby’s room without disturbing them?
• Do you wish you could turn the lights off from bed after you finish your book or your television show?  

You don’t have to wish anymore. Being able to control your lights when you want is no longer a dream, it is a reality.

Lights, Camera, Action!
Lighting Control Stations allow you to control a variety of whole-house lighting scenes from one central control station. They give you the ability to create a variety of moods with one easy touch of the button. Different scenes can be accessed by remote as well as the keypad. Lighting control stations make it easy to set the mood for whatever the occasion without walking through the whole house to set every individual light.

Time is on Your Side
Timers are an easy way to reduce your energy consumption. Timers can be used either indoor or outdoor. They are great for outdoor lighting, holiday lighting, and to leave preset while you are on vacation. Timers provide convenience and safety while saving you energy and money.

Sense and Sensibility
Room Occupancy Sensors enable lights to come one whenever motion is detected and turn off when motion ceases. Motion sensors are especially useful in bathrooms and bedrooms. They are especially useful in children’s rooms as children often forget to turn lights off after they leave a room or cannot reach the light when they enter. Room occupancy sensors are yet another great way to save energy and money.

Dim and Dimmer
Dimmers give you the ability to intimately control your lighting system. Lighting dimmers allow you to adjust the intensity of the light to meet each individuals needs. You may want to dim the lights to have a romantic dinner or you may want to brighten the lights to see better while working. Dimmers affect the warmth, depth, and ambiance of the room while providing energy efficiency.
Dimmers can be used in any room from the kitchen to bedroom, bathroom or office. Dimmers are a quick and easy way to make a big difference in the visual presentation of your home.