Trusted Tips and Resources

Trusted Tips & Resources

The Trusted Regina Team Brag About CH Living Your Trusted Regina Property Management Company


CH Living Joins Trusted Regina In The Regina Real Estate Category


The Trusted Regina Directory team is thrilled to brag about our newest Regina partner in our Regina Real Estate Category. We would like to welcome and introduce you to CH Living Your Trusted Regina Property Management Company With The Best Regina Apartments For Rent! 

CH Living take 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. That became very apparent when we were speaking to past and current residents as part of the unique Trusted Regina verification process. The folks we spoke to were very impressed with the buildings, the amenities and the helpful and friendly staff at CH Living. 

" I've lived here for a little over six months and have nothing but good to say. From property manager CH Living's staff to caretakers Gale & Dean, they are all so responsive to tenant inquiries. The building itself is quiet and well kept. Lobby was updated a few years ago, as are all the suites as folks move out. Security is good, outside parking nearby. Location can't be beat, between downtown and Wascana Park, and also near the little Broadway strip with grocery store. Shoppers Drug Mart and 7-11 one block away. All manner of salons and spas in the Transition neighbourhood. All appliances are new, air conditioning works, balcony and sunset is a bonus."- L. Zwart - Regina


CH Living has numerous properties with rental units in Regina and they literally have something for everyone. They have number of properties that have apartment rentals for adults only, many of the CH Living Properties are focused on the needs of independent senior living, and they also have several family friendly buildings. You can check out all CH Living properties as well as a list of current Regina apartments available for rent on their website here. If you would like more information on any of the properties or want join a waiting list for a building, simply contact Quinn, Cindy and the CH leasing team, they will be happy to assist.  

A History Of Trust In An Industry Full Of Horror Stories


The “CH” in CH Living is synonymous with Campbell & Haliburton - the CH Group - this is the parent company that was established in 1957, the company has been a landmark to the Regina Cathedral community, and includes sister companies, Campbell & Haliburton InsuranceCH Living and CH Built ( a disaster remediation & renovation company that also does the ongoing maintenance on the CH Living properties). The CH group has a stellar reputation and the integrity starts at the top, with the CH Group President,  John Grant. 

John is a visionary and deeply committed to providing opportunities that benefit all members of society. He is passionate about creating opportunities and a path for success for people living in social exclusion. His dedication and ongoing commitment to our children and families make him a unique and outstanding individual. John was the recipient of the 2021 Association Of Fundraising Professionals ( AFP ) Outstanding Community Partner Award. Learn more about him in the video below. 




Trusted Regina  warmly welcomes John and the CH Living team to the Regina directory of excellence and we are proud to give them the ‘Thumbs Up’! See all they do and read more reviews by clicking on the link below! 

Location, Community, Exceptional Quality ...It's Your Home.

CH Living is Your Trusted Regina Property Management Company



Trusted Regina Lawyers At MacKay & McLean Explain Custody and COVID-19 Vaccinations

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. In Mackay & McLeans latest legal tip they provide helpful information for separated couples about chid custody and COVID-19 Vaccinations. 

Things To Consider Regarding Custody and Covid Vaccinations- A Legal Perspective 


 Most parents who are separated or divorced will have joint decision-making authority (previously known as joint custody), through a separation agreement or court order. This means that both parents’ consent is required for medical decisions, which includes vaccinations. For most parents, the decision to vaccinate their children is an easy decision to make. However, with the introduction of the experimental COVID-19 vaccine, whether or not to vaccinate is a rapidly increasing issue in family disputes. This issue is further complicated when the child reaches an age where they can express their opinion on the issue.

Canadian courts, in considering the views of a minor when determining what is in their best interests, contemplate what is referred to as the “mature minor doctrine.” In deciding whether or not to take a child’s voice into consideration, the court considers the child’s age and their maturity. Even if the court does decide to take the views of a child into consideration, the child’s wishes are not determinative. Rather, they are simply one factor to be taken into consideration against the entire backdrop of the situation.

The issue of competing wishes amongst a child and their parent(s) on obtaining the COVID-19 vaccination was recently addressed by Mr. Justice Megaw of the Saskatchewan Court of Queen’s Bench in the decision O.M.S v E.J.S., 2021 SKQB 243. The father of a 12-year-old daughter sought an order allowing him to get his daughter vaccinated without the consent of the mother, who was opposed.

The father wanted his daughter to receive the vaccination due to his concerns regarding the COVID-19 virus, while the mother was opposed based on the daughter’s desire not to have the vaccination, the daughter’s diagnosis of vaccine toxicity, and the mother’s general opposition to vaccinations and concerns about the accuracy of COVID-19 information.
In making his decision, Mr. Justice Megaw undertook an analysis of the Divorce Act and relevant case precedents with his primary focus being on the best interests of the child. In considering the child’s wishes, Mr. Justice Megaw stated:
I cannot simply, in any event, exercising the Court’s parens patriae jurisdiction, leave the decision in this regard in the hands of a 12-year-old. She is, after all, a child. She is 12. She is entitled to expect the ongoing guidance of the adults in her life and she is not entitled on all matters to simply make a decision on her own. This is one of those situations. Her views, as suspect as they may be, do not carry the day here.
Mr. Justice Megaw, taking into consideration the global pandemic, the child’s needs, and the child’s views and preferences, determined that it was in the best interests of the child to receive the vaccination without the consent of the mother, despite the contrary desire of the child.

In a similar decision, D.P. v G.M., 2021 QCCS 3582, the Superior Court of Quebec decided in favor of a 12-year-old child receiving the COVID-19 vaccination who, unlike in O.M.S v E.J.S., 2021 SKQB 243, expressed a desire to receive the vaccination. The child’s mother asked the court to grant an order allowing her son to receive the vaccine, while the father refused as he believed the child already had antibodies and was concerned about side effects due to the child’s weight and previous allergies. The child was represented by his own lawyer and representations were made on his behalf confirming his desire to receive the vaccination.
The court, focusing on the best interests of the child, determined that it was in the child’s best interests for the vaccination to be administered without the consent of the father. When considering the child’s wishes, the court stated:
Although the child’s desire cannot be considered as decisive in the present matter (only a minor aged 14 years and may give his consent to care alone), the Court notes that the child’s wish is serious and well-reasoned.
In a decision of the Ontario Superior Court, A.C. v. L.L., 2021 ONSC 6530, the parents of 14 year old triplets agreed that their children had the capacity to make a decision on whether or not they received the COVID-19 vaccination. The court, in light of the parents’ agreement, allowed for two of the children to receive the vaccination, and one not to, based on their respective wishes.

While there have been a limited number of reported decisions addressing children and the experimental COVID-19 vaccination in the context of a separation or divorce, the courts appear to be ruling in favor of a child getting vaccinated in accordance with public health guidelines, regardless of the wishes of the child or a vaccine-hesitant parent.
If you are separated or divorced and dealing with the issue of vaccinating your children, our lawyers are ready to help. Contact our office for a free 30 minute consultation.




Robert Mackay and the team at Mackay & McLean offer a variety of legal services and are able to represent you in a variety of situations that require counsel. In addition, they offer a free initial consultation. They are Trusted Regina Lawyers, based in Regina Saskatchewan,  and they specialize in real estatecriminalpersonal injurycommercial & family law.

See more legal tips from Mackay & McLean here 



Trusted Regina Electricians Active Electric Share A Tip About Flickering Lights

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 a tip about flickering lights. 

Active Electric are your TRUSTED REGINA ELECTRICAL EXPERTS



What does it mean when the lights in your home start to flicker?


While there are a few benign issues that could be at play, flickering lights are not to be treated lightly. In many cases, they’re a telltale sign of a much more serious electrical issue that requires immediate professional attention. Today, we’re taking a look at the most common culprits behind this issue so you know what you’re working with and who to call for help.


What Causes Flickering Lights?


The occasional light flicker might be caused by a number of problems, some of which aren’t a cause for extreme concern.


The top four minor complications that could cause them to behave this way include:

  • A problem with your lightbulb (e.g. wrong bulb type for the dimmer, loose socket connection)

  • A faulty light switch or fixture switch

  • A loose connection between the light plug and outlet


In addition, if you have any appliances that require substantial current on startup, the resulting voltage drop can also cause your lights to briefly flicker on and off. Inspecting your lights can often reveal if any of these issues are at play. Sometimes, you just need to screw the bulb in a little tighter or make sure light is plugged more firmly into the wall socket.


However, while these issues might be to blame on some accounts, they’re not typical. More often, flickering lights are a more serious symptom of a much deeper problem. Let’s take a look at five of the main ones.


1. An Overloaded Circuit


As mentioned, infrequent flickering that happens right when a major appliance starts up isn’t usually critical. This can happen in even the best-designed electrical systems, where larger loads have their own dedicated circuits. On the other hand, it’s worth checking into if the flickering is:

  • Consistent

  • Severe

  • Persistent

In this case, the issue might be with the appliance, not your lights. For instance, if it’s experiencing bearing failure, the motor will strain to pull more current during startup. Or, a given circuit might be experiencing sensory overload.

Rather than try to inspect the circuit yourself, it’s always best to hire a professional electrician to do the job.


2. Electric Utility Service Issue


Especially if you live in a neighborhood, your home likely shares a transformer with surrounding homes. This means that your electrical supply is tied to their respective loads.

If someone down the street is engaging in heavy electrical use, it can cause your lights to flicker. If this isn’t the case or if the lights are also flickering at their house, the issue might lie with your utility service. An electrician can determine if it’s time to call them for a repair.


3. Fluctuating Electrical Voltage


On a standard, 120-volt circuit, your home should have a reading of between 115 volts and 125 volts. If you have a voltmeter, you can check that reading yourself. If it comes back higher than 125 volts, that could be the reason your lights are flickering.

There are many reasons why the voltage in your house might be too high. Most of the time, the issue is technical in nature and points to serious faults in your electrical system. Other signs associated with this issue include unpredictable dimming and frequent bulb burnouts.

Excess voltage can be a safety hazard in your home and lead to an electrical emergency. That’s why it’s imperative to call an electrician to diagnose the problem immediately.


4. Loose, Outdated Wiring Connections


The National Fire Protection Association (NFPA) estimates that 67% of home fires caused by electrical distribution or lighting equipment can be traced back to wiring issues.

Not only can loose and outdated wiring cause your lights to flicker, but it can also be incredibly dangerous. If you have a loose connection in a light, outlet, or switch box, it can lead to a phenomenon called arcing. This is when the electrical current travels over gaps in the connection, “jumping” as it does so.

Each arc can exceed 10,000 degrees Fahrenheit, and will often spark an electrical fire. If you haven’t made any changes or upgrades to your electrical system but are still noticing flickers, loose wiring could be to blame. The issue can originate in a number of places, including:

  • Loose wiring in a fixture

  • A switch failure

  • Over-worn breaker box connectors

  • Loose service conductors in the main electrical panel

Loose wiring is nothing to contend with.

Contact an electrician as soon as possible if you believe this could be the reason your lights are flickering. If only one light is flickering and you suspect that loose wiring is to blame, make sure to turn the light off at the circuit breaker before inspecting it. Again, it’s best to let your electrician perform this step.


5. Main Connection Issues


You might notice the lights flickering in just a few areas of your house. Or, you might see it all over. If it’s the latter, go ahead and call an electrician right away.

If this activity is occurring without rhyme or reason, it likely means there’s a bigger, underlying concern with your main meter box connection. Or, the issue could lie with your service cable connection. Either way, it’s best to let an electrician handle these high-capacity wires.

Address and Repair Your Flickering Lights Today

It might seem like a minor issue, but flickering lights can turn into a serious problem in no time. Even one loose connection could be enough to spark a fire or cause a major electrical issue throughout your whole house. If you’ve noticed yours acting this way, don’t try to investigate or remediate the issue yourself. These connections are dangerous and should only be handled by skilled, experienced electricians like the ones on our team at Active Electric Regina. 


ACTIVE ELECTRIC are TRUSTED REGINA ELECTRICIANS 





Trusted Regina Electricians Active Electric Are Gemstone Lights Authorized Dealers in Regina

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 the news that they are an authorized dealer for Gemstone Lights in Regina.    

Active Electric are your TRUSTED REGINA ELECTRICAL EXPERTS

10 REASONS WHY YOU SHOULD GET GEMSTONE LIGHTS IN REGINA 

Gemstone Lights offer many fun ideas and opportunities to make your home or business more awesome. Below is a list of 10 reasons we think you should consider when purchasing our Smart Outdoor Lighting Solution.

1. North American Owned & Manufactured

Gemstone created their own proprietary products that you cannot find or buy off the shelf. They aim to be the best lighting company the market has ever seen. At Gemstone Lights, they constantly strive to make their products better each time which the team at Active Electric love because we get the best of the best.

2. Mesmerizing Animations- 11+ Patterns

Currently, they are 11 different types of patterns you can choose from that will make your home look awesome. Within each of those patterns, you have limitless options to create almost anything you want.

3. True Warm White!

This is an absolute customer favorite! LEDs are phenomenal and powerful, but even more amazing is the ability to use a soft white that can give your home a subtle ambiance. This color is perfect for a warm summer evening playing in the dark!

4. Individual Waterproof Connectors

You probably have seen the strip light look on hotels or restaurants which is showing up on homes now. From a tech standpoint, the long strip of lights is exactly that, strips connected to each other. What sets up Gemstone Lights differently is that they don’t utilize the strip set up for a few reasons. Gemstone lights are waterproof and individually connected to handle the seasons, but more than that, they are easy to replace should one become faulty. It usually takes longer to put a ladder up than to change the actual LED! Waste is minimized this way and customers love that they know they have more control.

5. Architectural Lighting

Each LED on your home is individually controlled which gives you more control and versatility. This allows you to create some awesome lighting patterns with endless ideas. Now you can create an amazing architectural look and feel using any colors you desire.

6. Set Multiple Timers

Gemstone Lights has created timers for your system that can turn on and off your lights or patterns whenever you want. You simply choose the date, time, pattern and turn it on. Customers like being able to turn on lights at a certain time during the mornings and turn off when they want. You can even use the architectural lighting options to turn on certain lights at certain times which gives you lots more control.

7. Low Profile Design

It is very important to create a look that blends into your property. Gemstone thought long and hard about how the LEDs show and we believe that they created the best low profile design available on the market. When your lights are turned off, you don’t get the hang-down look out of place like look like others.

8. Bumper to Bumper Warranty

Gemstone Lights offers a strong 2-year warranty. Their LEDs are graded to 50,000 hours which will give you a longer shelf life than other lighting products by a large margin. They stand behind their products 100%.

9. Custom iOS & Android App

Use custom programmed iOS and Android apps designed specifically for the Gemstone Lights system. The investment customers make to get into a Gemstone Lights system outweighs the alternatives. For example, the average person who buys LED lights for Christmas will spend around $200+. Those lights will give you a specific shelf life as the manufacturing is not designed to last long term. Those companies want you to buy more lights over and over!

The cost to replace the bad “strands” of lights is not worth it so customers, feel obligated to buy more lights, and by then, the colors don’t match. Customers will get into the trap of buying them all over again.

Factor in the cost to pay someone to hang them AND take them down for you each year. That can range from $300- to $800+ depending on the size of your home. That’s just Christmas too!

With Gemstone Lights, having lights year-round with our permanent solution gives you way more use and time to use it to the fullest. Now you can add in additional holidays, seasons, birthdays, architectural lighting and more!

10. Your lights will be cooler than your neighbours!

Lol. Fact. Far too often we hear from customers' neighbours who finally say, “my neighbour has them and we want them too!”

Bonus! Control your system from anywhere using Gemstone Cloud technology!

Whether you are on vacation or at home, you can control your lights remotely on your mobile device  

If you’re interested in a free no-obligation quote for Gemstone Lights, contact the team at Active Electric today! 

ACTIVE ELECTRIC are TRUSTED REGINA ELECTRICIANS 


Trusted Regina Insurance Provider Campbell & Haliburton Insurance Explain Auto Insurance

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 explain all the ins and outs of auto insurance.

So you’ve moved to Saskatchewan. Fantastic! From one transplant to another let me say “Welcome!”  It is a great place to live, work, and raise a family. But can I be honest? Sometimes our auto insurance can seem just a little confusing. When I moved here years ago I was confused... and I’m in insurance! Let me walk you through what auto insurance terms you will hear most often as well as what they mean.

Auto Insurance Terms

SGI

One of the most common terms you will hear in the world of Saskatchewan auto insurance is “SGI.”  SGI stands for Saskatchewan Government Insurance. This is our provincial auto insurance company. They started back in 1945 and are still going strong! Through the SGI Auto Fund, they are responsible for things such as issuing driver’s licenses and providing you plate insurance and registration. They are also the ones you will turn to if you have an insurance claim. In order to get a driver’s license or to plate your vehicle, you will need to go through SGI. To do this you will normally need to go to a Motor License Issuer. Okay, so what is an issuer?

Motor License Issuer

There are motor license issuing offices in virtually every city, town, and village in Saskatchewan. Larger centers such as Regina or Saskatoon actually have quite a few. But even most smaller towns and villages have at least one. To find the office nearest you go to: https://www.sgi.sk.ca/issuer.

The issuer's office is where you will go to actually renew your driver’s license or to register the plate for your vehicle and to get insurance. Issuing offices are run independently, each having its own staff, hours of operations, and locations, however, each one has the same strict guidelines that they need to follow. SGI clearly spells out what can and cannot be done and how it is to be done. They also provide training and ongoing support to their issuers. This protects you because it means the advice that you receive at one issuer's office should be the same as what you receive at another no matter where you are in the province.

You will occasionally hear people referring to their issuing office as “SGI” as in “I’m at SGI getting my plates renewed.” That’s not strictly true, but issuers are certainly agents of SGI and acting on SGI’s behalf.


Driver's License

In order to operate a motor vehicle in Saskatchewan, you need to have a valid Driver’s License. The license you use to drive. It also spells out what type of vehicle you can drive. Your license will show if you are able to drive a car or light vehicle, a motorcycle, school bus, or large transport truck. In order to obtain a driver’s license, you will need to pass a test that has both a written and a driving component. Obtaining a license for a higher class of vehicle requires higher requirements still. More specialized driving training is required in order to operate semi-trucks and motorcycles. People, such as myself, who have moved to Saskatchewan from other provinces or countries may be eligible to have their driver’s license transferred. Your motor license issuer will be able to tell you exactly what documentation you need in order to do this.

Plates

When you register a vehicle in Saskatchewan you also purchase insurance, often called “plate insurance.” This is different from other provinces. In most cases, Saskatchewan’s plate insurance provides you with $200,000 of third-party liability and with $700 deductibles. There are exceptions to this, such as trailers, snowmobiles, and some large trucks have different limits. But for most cars, trucks, SUVs, and minivans this is what the plates will provide.   

Deductibles

A deductible is an amount that you need to pay in the event of a claim. If you are at fault in an accident, if you are the victim of a hit and run, or if you have the misfortune of a hail claim or have your vehicle vandalized, you would be responsible to pay your deductible. In most cases, the deductible that you get with your plate insurance is $700. Your vehicle registration will show what your deductible is.

Auto Insurance: Liability 

Your plate insurance also provides you, in most situations, with $200,000 of coverage. Liability insurance provides coverage if you cause damage to someone else’s property or if you injure someone else. For example, if you were driving and hit another vehicle, your $200,000 of liability would pay to cover their damages. $200,000 is the minimum required by law in Saskatchewan.

All Saskatchewan plated vehicles are insured through SGI and carry basic plate coverage. You are able to have your driver’s license or plate insurance renewed at any SGI issuing office in the province.


Extra Insurance

Some people choose to purchase additional insurance. For many people driving with $200,000 of liability insurance, while sufficient to satisfy the law, is just too low. They want to increase that to $2,000,000, or $5,000,000 or even more. Others want to lower their deductibles. For them, while paying $700 is not enough to bankrupt them, it is enough to be an inconvenience. So they purchase an additional policy to lower their deductible. Others travel distances on gravel roads and are concerned about damage to their windshield. Still, others who purchase a brand new vehicle and want to protect their investment with replacement cost.

These are all additional coverages that are available. However, lower deductibles, higher liability, or replacement cost coverage are not part of your basic plate insurance coverage. For these, you need a separate policy. While you are able to renew your plates or driver’s license at any SGI issuing office, your extra insurance would be renewed only through the location it was originally purchased from.


Terms, Terms, Terms

Here is where you will hear a number of terms thrown around. Auto Pak, Package Policy, or Auto Extension Policy are among the most common. Some of them are specific names that specific insurance companies use. Auto Pak, for example, is a term that is specific to SGI CANADA.

Wait? What? SGI CANADA? I thought you said SGI?

SGI through their Auto Fund is responsible for basic plate insurance. SGI CANADA is an entirely separate company from SGI Auto Fund. SGI CANADA is a private insurance company that provides home insurance, commercial insurance, and additional auto insurance. While it shares part of the name and is a sister company, it is nonetheless, a separate company from SGI.

Auto Insurance, So Many Choices

Consumers have a choice of if they want additional insurance or not and if so, which insurance company they want to use to provide it to them. While the basic plate insurance is always through SGI and is a mandatory requirement in order to operate a motor vehicle, the additional insurance can be from one of a number of companies. While you can go to any motor license issuer to plate your vehicle or renew your driver’s license, you purchase any additional insurance through an insurance agent or broker.

Broker or Motor License Issuer?

Insurance offices often have two separate functions. Many of them have a motor license issuer designation. This means that you can do the majority of your SGI transactions there. But they also have an independent broker component. While that might sound confusing, it can actually make your life easy with one-stop shopping.

How Does Auto Insurance Work?

Say you purchased a vehicle and need to insure it and you come to our office at Campbell & Haliburton. The first thing that you will do is speak with one of our motor license issuers to assist you in plating the vehicle. Once that is done you have purchased the basic insurance required to drive. There is no need to go any further if that is all you are wanting... However, you may want to head down the hall to one of our brokers who can talk with you about any additional coverages that you might need, whether lower deductibles, replacement cost, or higher liability. They will provide you with a quote and if you agree you can purchase the additional insurance without ever need to leave the building.

Now as you walk out the door, you do so with the assurance that you are covered for what auto insurance you need. If you don’t have an insurance broker and want to talk to someone who is truly passionate about your insurance, contact us at Campbell & Haliburton Insurance. We would love to talk to you.

- Daryl Arendt, Office Manager & Licensed Insurance Broker


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.


Campbell & Haliburton's doors opened in 1957. Since then, they have seen run-away inflation, recessions, and now, a global pandemic. Through it all, their doors have remained open as they are committed to providing outstanding service to you. No matter what the next years and decades bring they have committed to continue to stay open to serve you.

Campbell and Haliburton Insurance are a Trusted Regina Insurance provider.

They offer many different insurance policies to protect the most important areas of your life including:


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