Trusted Tips and Resources

Trusted Tips & Resources

Dusyk & Barlow Insurance a Trusted Regina Insurance Expert share a tip on Ice Damming prevention and Insurance coverage


Dusyk & Barlow is a 100% locally owned Regina Insurance Brokerage providing honest, reliable, and personalized service to all their clients. Their long standing reputation in the community remains strong through maintaining high standards of excellence and ensuring that their clients insurance needs are met.

They are you Trusted Regina insurance experts !

Dusyk & Barlow is reminding homeowners to protect their homes against damage caused by ice dams.


“Ice dams can cause considerable property damage. If an ice dam forms and water enters the attic, it can damage the roof, ceilings, walls and contents of your home,” said Andrew Cartmell, President and CEO of SGI CANADA. “That's why it's so important to take steps to prevent an ice dam from forming in the first place.”

Preventative measures to protect your home from damage caused by ice dams include:

  • Keep the amount of snow on your roof to a minimum. Use a roof rake or hire a professional to clear the snow away - for safety reasons, don't go up on the roof yourself.
  • Keep gutters and downspouts free of snow, ice buildup and icicles so there's a ready path for melting snow and ice to drain.
  • Ensure your attic is properly insulated and ventilated to prevent heat from inside your home from leaking into the attic and causing snow on the roof to melt. A roofing contractor can provide assistance if needed.
  • In the fall, clean leaves and debris from your home's gutters and downspouts to allow melting snow to flow as intended.

If you have an ice dam causing damage to your home, contact Dusyk and Barlow right away.


There are 2 Dusyk & Barlow locations to best serve you  4615 Albert Street South and  302 University Park Drive or find them online here . Read the words of their happy clients on their listing On the Regina Directory they are your TRUSTED REGINA INSURANCE EXPERTS   




Robert MacKay Trusted Regina Real Estate Lawyer shares a Tip about Title Insurance

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?

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

Title fraud is approximately a C$1.5 billion dollar a year industry and growing. This has given rise to new products being made available to you to help protect yourself. One such product is title insurance.

Initially, title insurance was used in Saskatchewan only when a surveyor's certificate was not available. This is because it insures against any defects that would have been revealed if a surveyor's certificate or real property report had been obtained. People opted for title insurance because it cost less than a new survey. However, title insurance protects you against much more and it is especially good for people buying used residential real estate, rental properties or commercial real estate.

Like other insurance products, you pay a premium to the insurer. Usually, this is a one time fee. Different insurers structure their pricing differently and there are policies for owners and policies for lenders, so rates vary. The premiums for condominiums are usually less. The fees for commercial transactions are typically greater.

For the one time premium you get protection for as long as you own the property and it protects your estate in the event of death. The amount of protection is up to twice the fair market value of your property, at the time the insurance was obtained.

Lawyers will usually charge an administration fee of $75 to $150 to provide the appropriate data and information to the insurer.Typically, title insurance is obtained through your lawyer's office when you buy a property.  "Existing Home Owner's" insurance is also available at any time.  Some insurers in Saskatchewan, like Co-Operator's, are now providing the product.

It is important to remember that lawyers do not receive any compensation from the title insurance companies for recommending or assisting you with obtaining title insurance, i.e. we are not sales people for the title insurers and we do not receive trailer fees or commissions from the insurers.

In fact, a lawyer's failure to discuss title insurance with you may constitute professional negligence and that lawyer may be liable to you if you suffer damages from something that title insurance would have protected you against. In other provinces, for example, Ontario, lawyers are obligated by their professional code of conduct to thoroughly discuss title insurance with you.

I recommend title insurance because I believe that most times it is in your best interests to have it. At the very least, you should have the opportunity to make an informed decision.

The four main title insurance companies in Canada are: (1) First Canadian Title Insurance, (2) Stewart Title Guarantee Company, (3) Title Plus, and (4) Chicago Title Insurance Company. For more information on title insurance, its cost and benefits, visit the following websites: First Canadian Title; Stewart Title Guarantee Company; Title Plus; and, Chicago Title.

Some things are better to have and not need, than need and not have. Title insurance is one those things.

*Always check with the insurer to see what they cover and what they do not. Make an informed decision.


For advice, 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

Trusted Regina Law firm tip on grounds for divorce in Saskatchewan


 

Untying the Knot: Grounds for Divorce in Saskatchewan: 

 

 

Anyone who has gone through a divorce will likely tell you it was a difficult time for them mentally, emotionally, and financially. Understandably, clients often seek advice at the first signs of trouble in their marital relationships. One question I’ve heard repeatedly in my short time practicing family law is “how do I get a divorce?”

Divorce in Saskatchewan is governed by federal legislation called the Divorce Act. Although this blog entry refers to Saskatchewan, the Divorce Act applies to all of Canada. In Saskatchewan, only the Court of Queen’s Bench has jurisdiction to deal with a Petition for Divorce, and in order to get a divorce, one must make an application to the Court. There are many common misconceptions about what a couple and/or spouse must prove in order to get a divorce, but the truth is there is only one ground for divorce in Canada: marital breakdown.

What is “marital breakdown” and how does one go about establishing that a marital breakdown has occurred? The Divorce Act sets out three ways to establish marital breakdown:

1. Living separate and apart for one year

This is, by far, the most common ground for divorce, and is the easiest to prove. Spouses are considered to have been separated for one year when they have lived separate and apart for a period of 12 months. Although the period of separation must be uninterrupted, a brief reconciliation during the year (up to 90 days) will not interfere with the calculation of time, as long as the reconciliation is unsuccessful.

2. Adultery

If you choose to seek a divorce on the basis of adultery, you must establish that adultery occurred. You must also swear that the adultery was not condoned by you, and that it was not permitted or invented simply as a means to obtaining a quick divorce. Note that adultery can be difficult to prove if your spouse is unwilling to simply admit to it in an affidavit.

3. Cruelty

Finally, a divorce may be granted in circumstances in which your spouse has treated you with intolerable physical or mental cruelty. If your spouse has treated you in such a way that it would be unreasonable or intolerable for you to continue to live with them, the Court may order a divorce. On a petition for divorce on the basis of cruelty, the Court will consider the effect of the conduct in question on you, the victim, in order to determine whether the behaviour in question constitutes cruelty.

 

 

Please note that the divorce itself is only one issue a couple faces when their marriage breaks down. Other issues that arise when a couple separates include the division of family property, custody and access regarding children, child support, and spousal support. If you choose to seek a divorce, on any of these grounds, it is best to consult a lawyer who can guide you through the procedure of obtaining a divorce and settling the corollary issues that arise when a couple separates.

 


 

This post is for information purposes only and should not be taken as legal opinions on any specific facts or circumstances. Counsel should be consulted concerning your own situation and any specific legal questions you may have.

See lawyers listinsg on the Regina directory under Legal & Professional services.


 

Robert MacKay Trusted Regina Real Estate Lawyer shares Pilot Butte homeowner legal issues

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?

MacKay and 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 and McLean are TRUSTED REGINA LAWYERS

Pilot Butte homeowner considers lawsuit over backyard drainage ditch:

REGINA – Stephanie Gabber’s excitement over buying a new home in Pilot Butte quickly wore off when she tried to develop her backyard and found a drainage ditch running through the property.

“Had I known, I would never have bought here, ever,” she said.

Gabber bought the home in May. She planned to put up a fence and lay down sod. When she started the work, she was told to stop because it would interfere with the easement.

“I bought it (the property) so my dogs could play, my kids could play. That’s not what I have.”

Gabber said the easement wasn’t disclosed to her before buying the property.

The town said it’s a registered land title, but admitted to a discrepancy with Gabber’s property lines on the Saskatchewan Land Surveyor’s Real Property Report.

Water works manager, Chaun McCurdy, said the town is moving the ditch one meter closer to the edge of her property, but unfortunately that’s the best they can do.

“Without it there to catch that water and direct it away, it will eventually go and fill up other people’s backyards,” said McCurdy.

 

 

Robert MacKay with MacKay & McLean Barristers & Solicitors said the situation highlights the importance of having a team in your corner when buying a home. That includes a realtor, lawyer and mortgage broker.

“There’s a lot going on in a transaction and it could be easy to miss,” said MacKay.

He also recommends homeowners always invest in title insurance.

“If you have this old survey and got a newer one that says the easement is here, but it should be here, what does that do to the fair market value of your property? Well, with title insurance you may have a claim,” explained MacKay.

However, Gabber is prepared to go a step further and file a lawsuit against the municipality of Pilot Butte.

“I’m stressed beyond belief. Mentally, it takes a toll. Financially, it takes a huge toll.”

McCurdy said he’s spoken to the land developer and home builder to ensure anyone buying property in the new development is fully aware of the easement.

 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

 Mackay and Mclean  TRUSTED REGINA LAWYERS!



Trusted Marketing Services Trusted Regina Marketing Agency share 6 tips to get on 1st page of Google locally

The Trusted Marketing Services team has skill sets & real-life experiences that other marketing agencies and social media management companies simply do not share.  The Trusted Marketing Team are not nerds….they are entrepreneurs, networkers and marketers, so If you need affordable website solutions,   Social media management or anything to do with advertising and marketing contact them today.

Trusted Marketing Services are your Trusted Regina Marketing Agency  

6 tips to get on 1st page of Google locally:

 

 
“I want to be on the first page of Google” 


This is now the most common response we get at Trusted when we ask people what they want for their marketing goals, and there seems to be confusion amongst local Saskatchewan business owners as to how this actually happens, so we thought we’d lay it out in layman’s terms. 


Search engine optimization (SEO) is the process of affecting the visibility of a website or a web page in a search engine’s “natural” or un-paid (“organic”) search results.

To be on page 1 of Google for your category of business locally is a great goal, especially as recent stats tell us that over 80% of all click-throughs to websites on Google searches take place on the first page of Google. Not being there means you will miss out on leads, and that means those on the 1st page have a significant competitive advantage. Except how you get on that first page can be tricky, especially if you are in a very competitive category ( Real Estate, Auto Dealers, Mortgage Brokers for example). Here we outline the main points to consider.


1. You need a website – and it needs to be a good one!

Your website is a TOOL, and it should be out there working for your business 24/ 7. It’s not just about the ‘look’ of the site, it’s about how well it works overall for good SEO – you need to consider the navigation ( how easy is for your visitors to get around and find the important information), the keywords ( if you are a Plumber make sure it is on your website often), include the location ( if you are a Plumber in Regina say so ) , choose appropriate images and have good links ( social links, links to other sites that make sense and links to your site from other sites that make sense)

( contact us at Trusted Marketing Services if you want to discuss your website – or lack of.)

2. You need to have a blog

Content marketing is a phrase you may have heard bandied about; in reality it means writing new, quality, relevant content about your company and your category – ideally in a blog on your website on a regular basis – This just keeps your website up to date in the eyes of Google ( as Google determines who gets ranked where it’s important to impress her and do what she values)

(check out our Saskatchewan marketing blog here )

3. You need to be social

Facebook, Twitter, Instagram, Pinterest, Linkedin, Google + – pick whats best for your business and build an audience for your content- quality web traffic from your social media to your website is valued by Google and if you are spending all your efforts sending people to your Social media as the final destination you are WRONG – the social should be the tool to help your www. not the other way around! If you don’t take social media seriously and do it well you are really missing out on the chance to connect with your local audience and share your company personality & values.

 

 

 

4. Your overall marketing strategy

Assuming you DO have a strategy? Too many local businesses separate online and offline marketing and this is a big mistake, in today's world in many categories online is MORE important than offline, as consumers shop and make more buying decisions online than in person. Your website should be your best salesperson, it should reflect who you are & what you are doing at all times.

( if you are not sure about your marketing strategy contact us for a consultation )

5. Online local directories

Online local directories are important to Google (information is organized in  a logical manner) and I predict they will become more so as more and more websites come online locally- Being listed on a good local online directory ( like www.trustedsaskatoon.com and www.trustedregina.com ) will help your Google rankings as it shows you are recognized locally in your category, also if the online directory is well ranked in your category you benefit from that – you can get on the first page of Google by being on their directory; along with the others in your category of course. ( Trusted Directories have many, many other advantages & benefits over your regular local online directories – contact us to find out more). 

 


6. Google products

Google Adwords, Google Plus, YouTube etc..etc.. Buy them, use them – Google likes when you buy INTO their products.

A word of warning ..DO NOT put all your eggs into the Google Adwords basket to get on the 1st page of Google – this is not a smart long-term marketing decision. Google Adwords cost is going to keep rising as more people enter the auction and you can’t all be on the first page…make ORGANIC your priority ( we know customers prefer organic search results too)

At the end of the day, the most important thing is to allocate time and effort into doing the best job you can online. There is no QUICK fix, this is a race…and it’s not a sprint, it’s a never-ending marathon, and you need to keep running and adapting to the ever-changing conditions or you will fall behind and drop off your prospects and existing customers radars. Don’t be tempted into trying to cheat Google by paying companies to create splash pages, buy backlinks or by falsely boosting your social followers' numbers….. you didn’t become successful in business by cutting corners, it’s the same way online.

EXCELLENCE TAKES EFFORT

Contact us at Trustedmarketingservices.com today, we are your local and international award-winning Trusted Marketing Agency!






 

 

 

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ADDRESS

S & E Trusted Online Directories Inc
TrustedRegina.com
310 Wall St #209
Saskatoon, SK   S7K 1N7
Ph: 306.244.4150

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