Active Electric are Regina Electricians that get it right the first time, delivering all electrical services including installation, upgrade, and repair solutions.You can feel confident calling Active Electric and you can be assured that they will treat your property and your person with the respect and attention to safety you deserve.

CO2 Detectors

According to the Journal of the American Medical Association, 2,100 people die from unintentional carbon monoxide poisoning each year in the United States. It is the number one cause of poisoning deaths in the United States. It is colorless, tasteless, odorless and absolutely preventable.

 Is your home protected from carbon monoxide poisoning?

People who are unconscious due to inebriation or sleep can die before they ever experience the symptoms of carbon monoxide poisoning. In addition, depending upon the levels of carbon monoxide in the air you can die within minutes or hours. A carbon monoxide detector will alert you and your family when there is a risk of being poisoned.

What are the symptoms of carbon monoxide poisoning?

The initial symptoms can feel like the flu without the fever. Look for warning signs like:

• Dizziness
• Headaches
• Nausea
• Light Headedness
• Sleepiness Fatigue or Weakness
• Irregular Breathing
• Vomiting
• Shortness of Breath
• Confusion
• Chest Pain
• Food Poisoning

Monitor dangerous levels of carbon monoxide in your home with a carbon monoxide detector

Sources of carbon monoxide:

Carbon monoxide is found in many household appliances like gas ranges or stoves, gas clothes dryers, water heaters, furnaces and gas or wood fireplaces. Carbon monoxide can also be produced by fuel-burning space heaters, exhaust from cars, gas or charcoal grills, and clogged chimneys or flues. If items like these are in poorly ventilated areas, carbon monoxide can build up. Before you know it, you’re surrounded by toxic air that will poison you if you inhale.

How can I prevent carbon monoxide poisoning?

• Have CO detectors installed in your home. At a minimum, have one installed on every level of your home and outside each bedroom.
• Change the batteries in your CO detector every six to twelve months.
• Look for Underwriters’ Laboratories or the American Gas Association seal of approval when purchasing gas equipment.
• Have your gas appliances checked bi-annually
• Do not use flameless chemical heaters indoors or in enclosed spaces. They burn gas and will allow CO to build up to toxic levels.
• Have a service expert repair any gas appliance that is not functioning properly.
• Be sure to open the flue when enjoying a fire in the fireplace or furnace.
• Do not use a gas oven to heat your home.
• Do not run a generator, vehicle, or other fueled motors inside. Even if the garage door is open to the exterior CO can still build up to toxic levels.
• Only use grills outside in a well-ventilated area.
• Use battery-powered heaters when camping.
• Keep all gas appliances properly adjusted and use an exhaust fan where appropriate.
• Know the difference between the sound of your smoke alarm and your CO alarm.
• If you cannot afford a CO detector contact your local fire department. There are programs to help the elderly and the poor.
• Putting you or your family at risk of carbon monoxide poisoning is senseless.

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!

I have a print out that shows my retirement projections. Is there anything more I should expect from a financial plan?

Yes – absolutely!

There was a study done a while ago in operating rooms where a checklist made complication rates go down and survival rates go up.

Why? Do checklists make doctors smarter and nurses more capable of performing their tasks? No, it just reminded them of things they needed to think about in order to deal with everything they needed to deal with to make sure everything went well and according to plan. Financial plans are the same and retirement is only a portion of your financial decision making. You have current spending, banking, insurance decisions, will and estate planning – all kinds of other things that are not even on the radar of a retirement plan. And, at the end of the day, a printout will not make your retirement work – you need consistent, on-going advice to see these things through to the end. So beware of the checklistless surgeon – and financial planners!

Call Chris Worby at  (306) 757-4747 ext 226  or on his Cell: (306) 737-2909. Check out his listing on the Regina Directory in the REGINA FINANCIAL SERVICES category   . Chris is a Trusted REGINA FINANCIAL EXPERT

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 plan that is tailored to your specific needs and based on your individual situation.

How is financial planning like bicycle racing?

I follow bicycle racing pretty closely and one of the first things that surprised me was how much of a team sport it is. Every team goes into it with a strategy, there are support racers who bring water and food up to the racer they are trying to see win, these same guys cut the wind and allow the eventual winner to 'draft' off of them.

This got me thinking about financial planning. While some investors try to 'go it alone,' wise people engage the skills and knowledge of people around them. In the same way that a team will have a strategy, I have a plan with my clients based on goals and time frames that they provide. I think information is like food and water; if you have it, it will sustain you even when the going gets tough. And the more sources for these things you have the better. I notice that many times I have access to more of it than just the newspaper and business channels. And then there's drafting. If you can be behind someone with access to more information and an ability to stick to the plan, it can make the going way easier. The last thing I noticed is that when a team racer wins, everyone on that team celebrates. Sometimes you'll see someone crossing the finish line with their arms raised in victory 20, 30 places behind the leader. Then you notice their jersey and realize that a team win is for everyone.

Original Blog post by Chris Worby your Trusted Regina Wealth Management and Financial Services Expert

Active Electric are Trusted Regina Electricians and they get it right the first time, delivering all electrical services including installation, upgrade, and repair solutions. In their latest Trusted Regina electrician tip, they share info on surge protectors

Electrical Tip on Whole House Surge Protectors

If you are like most people, you probably have a few power strip surge protectors throughout your house to protect your home from power surges. Unfortunately, most provide little to no protection against power surges. What causes power surges? Lightning, problems with the utility company’s equipment, large appliances cycling power on and off, faulty wiring, and downed power lines are just a few things that cause power surges. What is at risk? All items that have a microprocessor are at risk during a power surge. This includes items like televisions, computers, refrigerators, washers, dryers, ovens, alarm systems, microwaves and telephones.

It is amazing how many items in your house actually need to be protected from an electrical surge. If an electrical surge were to occur today, how much money would you stand to lose? Wouldn’t it make sense to have ONE surge protector that would protect your entire house?

It’s a wise decision to be prepared before the next electrical surge hits your home. Get a whole-home surge protector that will protect not only your power lines but your cable and telephone lines. If you protect yourself from a power surge at the source you will experience benefits like:

• Saving Time and Money – After an electrical surge, all your neighbours will be spending time calling electricians to come out and replace the microprocessors in all their electronic devices. Your neighbours will have to shell out countless dollars to replace electronic devices that no longer function. But, if you have a whole-home surge protector you will be able to sit back, relax and be secure in the fact that once the power returns, all your expensive electronics will return to normal.
• Insurance for Your Electronics – Whole home surge protectors provides inexpensive insurance compared to the cost of replacing all your electronics. Sales Point Advantage - Differentiate your house from all the other houses on the market. It’s an inexpensive way to make your house stand out from the competition. This is a great feature for home builders as well. This could be the attention to detail the buyer is looking for.
• Peace of Mind – You can relax the next time a lightning storm occurs or the next power surge takes place in your area. You can rest assured that your electrical devices are protected. It only takes seconds to destroy countless expensive electronic devices, so don’t wait until it is too late!

Note: To protect yourself from surges that originate within the house, it is a good idea to take extra precautions and continue to use power strip/surge protectors for extra sensitive or expensive devices.

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!

Is an RRSP the best thing to do to reduce my tax bill?

Taxes are a reality – we’re not going to get away from them anytime soon. So instead of thinking about avoiding them in any given year, we should think about reducing taxes over your lifetime. Really, it depends on your situation. If you see a raise coming down the line, it might be good to hold off on the RRSP or, if you are leaving your job soon and see a severance package coming, holding off is a good option there too. In these circumstances, a Tax Free Savings Account (TFSA) might be a better option. On the other hand, you may be reducing your hours or going on a leave of some sort in which case maxing out now might be the right option. There are also other options like Labour Sponsored Investment Funds (LSIF) – a currently popular one in Saskatchewan is Saskworks Venture – that gives an additional tax credit equal to 35% of deposit up to $5000/yr. So, again, there is no clear cut option. But, as I always say, I’d rather pay tax on money I have than not pay tax on money I don’t have!

Call Chris Worby at  (306) 757-4747 ext 226  or on his Cell: (306) 737-2909. Check out his listing on the Regina Directory in the REGINA FINANCIAL SERVICES category   . Chris is a Trusted REGINA FINANCIAL EXPERT