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 Insurance experts at Campbell & Haliburton Tip On Basic Auto Damage Insurance

13. Feb 2022 Trusted Regina Regina Insurance, TRUSTED TIPS

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, myCH.ca, 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 share a tip on Basic Auto Damage Insurance

. In our latest Campbell & Halliburton Regina auto insurance tip, we share important information from SGI that explains basic auto insurance coverage.

Basic Auto Insurance Coverage – Tips and Information From Campbell & Haliburton Insurance

When you register a vehicle, you pay a flat registration fee and get a basic package of insurance on your plates. The insurance includes:

coverage for damage to your vehicle, subject to a deductible
personal injury insurance from a vehicle collision
liability insurance for damage your vehicle causes to another vehicle or property, or injury to others

Vehicle damage and your deductible.

Physical damage your vehicle suffers from a collision is covered by your basic plate insurance, subject to a deductible. The deductible is the amount you must pay before your basic plate insurance covers the rest of the costs. Most vehicles with basic plate insurance have a $700 deductible.

If you have minor damages that will be less than your deductible to fix and you won’t make an insurance claim, you can pay for the repairs on your own. This is also true if you are responsible for the damage.

The chart below shows the specific deductible amount that applies based on the class of the vehicle.

Class	Vehicle Type	Deductible
Class A	Light vehicles (under IRP)	$700
	Heavy trucks Heavy cargo vans Power units	$2,500
	Pro-rated heavy trucks Cargo vans Power units	$15,000 (optional)
Class C	Heavy trucks Heavy cargo vans Power units	$700
Class D	Heavy trucks Heavy vans Power units	$700
Class LV	Passenger vehicles Motorcycles Motorized bicycle/pedal cycle Antiques	$700 $700 $350 $500
Class MT	Snowmobiles	Not applicable¹
Class PV	Heavy trucks Heavy vans Power units	$700
Class PV	Antiques	$500
Class TS	Trailers Semi-trailers	$500
Class T	All trailers (except metal or fibreglass/other cabin trailers	$400
Class T	Metal cabin trailer Fibreglass/another cabin trailer	Based on customer declared value: Valued at $1,000 or less - $400 Valued at $1,001 or less - $500

Who pays the deductible after a collision?

Whether or not you pay your deductible depends on who caused the collision and if your vehicle has been damaged.

Situation	Pay deductible?	Details
You’re responsible for the collision	Yes	If the cost to fix your vehicle is more than your deductible, your basic plate insurance covers the difference.
You’re not responsible for the collision	No	The responsible driver’s insurance covers the cost to fix your vehicle.
Your vehicle wasn’t damaged in the collision	No	If your vehicle isn’t damaged, you don’t have to pay your deductible. This applies if you’re responsible for the collision or not. If the other driver’s vehicle is damaged, your insurance covers the cost to fix it.
You and the other driver are equally responsible for the collision and your vehicle was damaged	Yes – you pay half	If the cost to fix your vehicle is more than half your deductible, your basic plate insurance covers the difference.
You and the other driver are equally responsible for the collision and your vehicle was damaged, but the other driver is uninsured or from outside Saskatchewan	Yes	You pay your full deductible up front but SGI will try to get half of it back from the other equally responsible driver.
Your vehicle is stolen, vandalized, or damaged from a: hit and run storm fire collision with an animal single-vehicle collision	Yes	You pay your full deductible when there’s no other party to collect it from.

Deductible Payment Plan

If you have basic plate insurance and you're eligible, you can use the to pay your deductible over 10 months.

Reduce your deductible

If you want to pay a smaller deductible, you can buy an SGI CANADA Auto Pak with the deductible option that works best for you.

Coverage for vehicle damage

Your vehicle is covered for its actual cash value. This is the market value of your vehicle when compared to similar vehicles, with similar equipment, mileage and condition as your vehicle.

Coverage limitations

There are some limitations on vehicle damage coverage. For example:

Loss or damage to a vehicle insured under antique use
- $800 less your deductible of $500
Loss or damage in classes A, C, D or TS (commercial trailers)
- unless it says otherwise, limited to $15,000 or the declared value, less your deductible
After-market audio, visual, sound or communication equipment
- capped at $1,500 per incident or collision - $2,200 less your $700 deductible

If your vehicle is damaged, take steps to make sure more damage doesn’t happen. For example, if your vehicle's window is broken, put a plastic cover over the window to prevent water damage from rain.

Extra damage coverage

For increased protection, you can choose to buy with an auto extension policy through your insurance broker.

Liability insurance

If you’re responsible, or liable, for a collision, you’re responsible for the cost of the damage you’ve caused, which includes:

damage to personal property
physical injury or death to another person
a victim’s lost or potential income

Your basic plate insurance includes $200,000 of liability coverage. If you’re responsible for losses more than $200,000, you’ll have to pay for the difference out of your own pocket.

Increase your liability insurance

If you'd like to increase your liability insurance coverage, you can choose to buy an auto extension policy through your insurance broker with the liability coverage limit you like best.

Injury insurance

All Saskatchewan residents, drivers and non-drivers, are automatically covered with No-Fault injury coverage unless they choose Tort injury coverage. Any physical injuries you suffer from a collision are covered under your basic plate insurance. For details visit the .

Examples of coverage

Example 1: You're responsible for a collision that causes a fair amount of damage to another vehicle. The other driver also has minor injuries and needs 3 months of physiotherapy after the collision.

Total cost of other driver's injuries and repairs	$15,000
Total paid by SGI	$15,000
Total paid by you	$0

Example 2: In the same collision as above, your vehicle also needs a few repairs:

Total cost of repairs to your vehicle	$1,000
Total paid by you (deductible)	$700
Total paid by SGI	$300

Your total cost for this collision is $700. Without the liability insurance included in your basic plate insurance, you would have been responsible for $15,000 from your own pocket.

As you climb into your vehicle the next time, you can do so with the assurance that you are covered with the auto insurance that best meets your needs. If you don’t have an insurance broker and want to talk to someone who is truly passionate about your insurance, contact Campbell & Haliburton Insurance.

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.

**(This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.)

Trusted Regina Shares 6 New Year’s Resolutions for Every Homeowner

19. Jan 2022 Trusted Regina

6 New Year’s Resolutions for Every Homeowner

Lately we have been spending much more time in our homes than usual. With homes and finances at the forefront of many household conversations, here is a list of 6 things you can do to improve both your home and your finances.

Pay Off Your Non-Mortgage Debt FIRST!

The general rule of thumb is that you should focus on paying off higher-interest debt before lower-interest debt. You may be paying a higher rate on a credit card or private student loan than on your mortgage, so you'd benefit more by paying those off early.

Don't pay so much toward the higher-interest debt that you risk defaulting on mortgage payments. Yes, credit cards can be expensive, and the issuer may take legal action if you default on card payments. But defaulting on mortgage payments can be an even bigger risk because you could lose your home.

Build A Realistic Emergency Fund

Owning a home comes with many responsibilities and expenses, some that you can plan for in advance, like property taxes, and some that just pop up unexpectedly. If you haven’t already started saving for those unexpected expenses in an emergency fund or rainy-day fund, the new year is a great time to start! Saving any amount is beneficial in an emergency, but about 3 to 6-month’s salary is usually recommended. A high-interest savings account is a good place for your emergency fund. You’ll still be able to earn interest on your savings, and it’s not entirely locked away in case you need to access the funds quickly.

For some people, work-from-home measures may be in place indefinitely. The lines between your personal and professional life may be blurred during this time. The best way to keep firm boundaries is by trying to maintain a similar routine to when you’re in the office. Ensure you set boundaries to limit overtime work, always take breaks throughout the day, and log off your work computer at the usual end of the workday.

Make Your Home As Energy Efficient As Possible

We live in Saskatchewan, so there's no avoiding heating and cooling costs, and they will only rise as time goes on. Whatever you can do to make your property more energy-efficient is a worthwhile investment! It also makes it more attractive when you decide to sell.

For tech-savvy homeowners, making your home more energy-efficient with smart thermostats or programmable LED lights can be fun! Even if technology isn’t your thing, minor fixes around the house can help make your home more energy-efficient and save you money. Here are a few things to add to your list:

Seal all air leaks around windows and doors
Use cold water or energy-saving settings for washing machines and dishwashers
Unplug devices and appliances when not in use
Lower your thermostat while you’re away from home or in less-used areas of your home
Install a low-flow showerhead
Opt for energy-efficient window treatments like honeycomb shades

Make Your Home A Space You Love

Starting off the new year ( or a new week! ) in a clean, organized space is a huge mood booster. With many people working from home now, organized space can also help your productivity. While there’s no right or wrong way to declutter and organize your home, one useful method is to work by room to make the task more manageable. Look at everything you have and split the items into three piles: Keep, Donate, and Toss. Perhaps you could read Marie Kondo's book The Life Changing Method of Tidying Up, she is a Japanese professional organizer with a simple method to declutter your life, from clothes to books to knickknacks. She wants you to answer just one simple question when it comes to any of the items in your house:

Does it bring you joy?

If you answer yes, you keep the item. If you hesitate or say no, you donate it or throw it out. It’s simple, it’s brilliant, and it’s completely intuitive.

Once you’ve decided what’s staying, you can make sure everything has a designated place to keep things tidy in the long run.

Start A Household Maintenance Checklist

As with most New Year’s resolutions, it’s easy to start the year off strong, but as time goes on, it may become more challenging. Set yourself up for success and stick to your home goals by creating a household maintenance checklist. Create a recurring calendar reminder so you never forget to handle tasks around the house. For example, set a reminder to change your HVAC filter every three months or clean your eavestroughs twice a year. Proper home maintenance is a good way to prevent having to pay for home repairs over time.

Plan To Pay Off Your Mortgage Sooner

Depending on how much you still owe on your mortgage, paying it off may be daunting but don’t be discouraged. Even small steps now can help you become mortgage-free sooner. Start by increasing your regular payments. For example, instead of purchasing a takeout dinner, put that extra $50 towards your monthly mortgage payment. Keep that up for a year, and you’ve already put an additional $600 towards your mortgage and, over five years, an additional $3,000.

Another simple way to pay your mortgage off faster is to put any additional or unexpected income towards your mortgage. That can be anything like funds from a tax return, a bonus from work or inheritance. Before you make any pre-payments, double-check your mortgage pre-payment options with your mortgage lender so you don’t exceed your allowable limits.

Trusted Regina Property Management Company CH Living Regina Rental Property Spotlight - Willowcrest Apartments

18. Jan 2022 Trusted Regina Regina Real Estate, TRUSTED TIPS

CH Living is Your Trusted Regina Property Management Company With The Best Regina Apartments For Rent! CH Living takes 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. In this article, they shine the spotlight on one of their Regina Properties with apartments to rent Willowcrest Apartments.

CH LIVING PROPERTY SPOTLIGHT - WILLOWCREST APARTMENTS

This quiet building is ideal for seniors and is situated on Rae Street, just 2 blocks from the Southland Mall. A short walk to many grocery stores, including Save On Foods, which is literally across the street. There are many restaurants and stores close by and the area is well served by Regina Transit. The building is close to Parkside Extendicare and most errands can be accomplished on foot. This building is professionally maintained by the live-in caretaker Damon Kramer who does a fantastic job keeping tenants happy, and the buildings in smooth operation. Damon puts full care, attention and effort into everything he is involved in. His organization skills allow him to follow-up with tasks accurately and on time, and having a solid background in construction allows him to fix and maintain better than most

This 46 Suite building has 1 & 2 Bedroom Suites available - Foor plans at Willowcrest Apartments range from 680-1000 sqft.

WILLOWCREST APARTMENT AMENITIES

COMMUNITY AMENITIES

Additional Storage
Concrete Building
Elevator
Keyless Entry
Large Laundry Room
Quiet
Recreation Room
Senior Friendly

AMENITIES

Air Conditioner
Balcony
Dishwasher
In-Suite Laundry Optional
LED Lighting
Vinyl Plank Flooring

COMING SOON

New features coming soon to Willowcrest include: updated common areas, fully renovated main floor lobby for fun and relaxing afternoons with family or friends, large brand new gym, and recreation room for those big events

Flexible tenancy agreements are available.
Security Deposit is equal to one month's rent.
Small Pets are allowed!

Click here to contact CH Living to arrange a viewing or if you have any more questions

Office hours: Monday - Friday 8.30 am-4.30 pm

CH Living is Your Trusted Regina Property Management Company

CH Living Your Trusted Regina Property Management Company Shares 10 Qualities Of A Dream Tenant.

16. Jan 2022 Trusted Regina Regina Real Estate, TRUSTED TIPS

CH Living is Your Trusted Regina Property Management Company With The Best Regina Apartments For Rent! CH Living takes 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. In this helpful article, they share the 10 qualities of a dream tenant.

A good landlord will go to great lengths to find a qualified tenant for their rental property. Qualified tenants are those that have a proven track record of financial responsibility and rule-abiding behaviour, indicating their ability to pay rent and not damage the property. But a great landlord will hope for more than just a good credit score and clean criminal background in their tenants. Although difficult to screen for, there are certain qualities that can make a renter stand out as the perfect tenant in their landlord’s eyes.

10 Qualities Of A Dream Tenant

#1 PAY YOUR RENT.

Better yet, pay rent on time! The landlord-tenant relationship revolves around regular rent payments in exchange for a place to live, and making on-time rent payments is one of the most important jobs for which a tenant is responsible. Most likely, your landlord depends on the rent to make the mortgage payment on the rental property so paying rent late can be a financial burden for your landlord.

#2 TREAT THE PROPERTY LIKE YOUR OWN.

Taking pride in ownership of your rental property by taking care of it will not only ensure the return of your security deposit but also should be reflected in a great landlord recommendation should you decide to move in the future. Normal wear and tear is expected, but preventing tenant-caused property damage is ideal.

#3 COMMUNICATE MAINTENANCE ISSUES.

Even a small leak can turn into a big expensive problem for a landlord. A dream tenant will notify their landlord when they notice any maintenance issue that requires attention. Landlords can provide easy options for tenants to submit maintenance requests online, which can easily be tracked and monitored until the issue is resolved.

#4 DON’T BE HIGH MAINTENANCE.

While a landlord values great communication from their tenant, a renter who constantly complains or requires special attention is a pain. In most cases, you will not be your landlord’s only tenant and only priority. Try to resolve problems on your own, as long as they follow lease terms, before bothering your landlord.

#5 DON’T LET SOMEONE LIVE WITH YOU WHO ISN’T ON THE LEASE.

The lease agreement is designed to protect both the landlord and the tenants. It needs to be signed by anyone over 18 living in the rental property. A good tenant will not sneak in secret roommates and should notify their landlord if they plan on hosting any long-term guests.

#6 KEEP THE RENTAL CLEAN.

A dream tenant will keep the property sanitary as to not invite pest infestation or cause property damage. If the tenant does not keep a clean home, the landlord may deduct the amount paid for extermination or repairs from the tenant’s security deposit per the lease terms.

#7 RENEW THE LEASE.

Managing tenant turnover is expensive and time-consuming for a landlord. A dream tenant will want to renew their lease agreement and hopefully live at the same rental property for a long time. In a perfect world, they would meet every quality of a perfect tenant making the long-term tenancy even more ideal.

#8 KEEP UP WITH TENANT MAINTENANCE.

While the majority of maintenance responsibilities fall on the landlord, tenants may be required to maintain some appliances, manage lawn care, change air filters or replace smoke detector batteries. A great tenant will not only understand and agree to these terms but will actually do it! A tenant’s maintenance responsibilities should be outlined in the rental agreement so they understand their contractual obligation in regards to maintaining the property properly.

#9 FOLLOW LEASE TERMS.

A standard lease will prohibit any illegal activity on the property or any behavior that threatens the safety of the community. A good tenant will uphold these rules as well as other lease terms. Other lease terms that a bad tenant might break typically involve pets or obnoxious parties that disturb other renter’s right to enjoy a quiet environment. Beyond the failure to pay rent, lease violations like these constitute legitimate grounds for eviction, which is expensive and stressful for all landlords.

#10 HAVE RENTERS INSURANCE.

Not only will renters insurance help cover the cost of replacing a tenant’s stolen or damaged personal possessions, it can also cover the cost of damage caused to the property by negligence. A great tenant will have renters insurance so the homeowner isn’t left with a bill due to a tenant being unable to cover the cost of damage to the property or court fees. The good news is, renters insurance is extremely affordable and costs less than a few cups of coffee a month. Contact CH Living's sister company Campbell & Haliburton Insurance!

PLUS ONE BONUS ONE – BE HONEST!

The most important quality of a good tenant is honesty. Honesty is so important, it gets its own section beyond the top ten.

If something happens that negatively affects your financial situation and rent becomes unaffordable, a landlord will appreciate honest communication about the issue. While a tenant isn’t required to share all their personal information with their landlord, they are required to pay their rent throughout the lease term. If rent payments suddenly stop showing up, the landlord will have no choice but to move forward with an eviction. If you think we missed anything for what it takes to be a dream tenant, let us know in the comments!

Trusted Tips & Resources