Trusted Regina’s Financial experts share a tip on what is a Fee Only Financial Planner:
Check out this video to understand what a Fee Only Financial Planner is. One that works on an annual subscription/retainer with NO commissions & NO sales/selling.
Trusted Regina’s Finance Experts so why not give them a call to see how they can work for you!
Trusted Regina Air Conditioning and Furnace experts
Heating & Air Conditioning Repair vs. Replacement:
Your air conditioning and heating system can be one of the most expensive purchases you make in your home. There are many factors to consider when determining whether or not you should repair an old unit or replace it, such as the age of the unit, overall investment costs, from initial purchase price to long term operating costs, and utility rates. To help determine whether or not you should keep your existing system, we've created an interactive Repair vs. Replacement Calculator.
Simply fill in the text field below with a number, and click your "tab" key. More text and text fields will appear. Whenever you see the "tab" note, click your tab key to continue the calculation.
What is the Cost of Keeping Your Existing System?
Some homeowners may feel "if it isn’t broken, don’t fix it." Here are some often-overlooked considerations. Sometimes you put multiple repairs into a system that is on its last legs. As of January 2006, new air conditioner efficiency standards came into effect. Most systems installed before this date cost up to 20% or more to operate than today’s base efficiency models.
If you agree that SOONER or LATER you will have to replace your air conditioning or heating system, what is the longest you think it would be?
CLICK HERE to be directed to the tab keys and for the interative calculator.
WINMAR® Regina performs restoration services for residential and commercial properties across Saskatchewan. Our crews offer prompt and professional services to help our customers get back to pre-loss life with the least amount of interruption and associated costs as possible. . They are the Regina property restoration specialists. WINMAR IS A TRUSTED REGINA DISASTER SERVICES & REGINA GENERAL CONTRACTOR. In their latest tip, they share information on their post disaster cleaning services.
When Disaster Strikes
Whether you have a small amount of mould in your bathroom or an underground tank of oil that is leaking into the ground, your local Winmar office will be able to assist you with any clean-up necessary. Our crews adhere to all legislation to ensure that proper procedures are followed. The safety of you and your family, as well as our staff – is important to us.
Winmar Can Clean Up Pretty Much Anything!
Including but not limited to :
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Oil Spill
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Sump Pump Failure
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Biohazard
- Lead Abatement
- Mould Remediation
- Radon Remediation
- Odour Removal
- Residential Cleaning
- Commercial Cleaning
- Asbestos Abatement
- Industrial Cleaning
- Furniture Cleaning
- Furnace & Duct Cleaning
- Esporta Wash System
- Fireline System
- Pet Feces Removal
- Rodent Feces Removal
- Bed Bug Abatement
- Trauma Scene Clean-up
- Waste Disposal
- Boat Interior Cleaning
- Boat Deodorizing
- Dry Ice Blasting
- Media Blasting
- Soda Blasting
- Carpet Cleaning
With their 24 hours a day, 7 days a week, 365 days a year service they always come through for you.
Trusted Regina’s Financial experts share their tip on Do not do RRSP's:
What are your other choices?
RRSPs are not always the right thing to do. Sure they have benefits, you can Google RRSP’s and find 1000’s of articles on why you should be using them, but what are your other options?
Everyone’s situation is different for an unbiased perspective on your unique situation look up at fee-only financial planner. Hint hint that’s what we do
I am going to make some broad statements here that will have exceptions but generally this is the case. If you are in debt, young, lower income, have TFSA room, have maxed out your RRSPs, or are self employed then RRSPs are should not be your first choice in your grand plan of financial action.
So what are your other options?
Pay down your mortgage…yuck, I know but it has some merit. Mainly you reduce future interest payments and take one step closer to protecting your home. As your home increases in value the gain is tax sheltered so long-term the bang for your buck is quite good. The tax-free nature of it is the equivalent of tax-free growth provided in an RRSP or TFSA.
In times of unstable stock markets, “investing” in your home is a great, more conservative option for investors. And FYI, if you’ve had a rough year and cannot contribute to your RRSP, don’t worry, you’ve been investing in your home all year.
Other investments: TFSA’s can be rolled into an RRSP later for the same deduction. So if you are not sure if you will need to funds later or your taxable income is very low you can park it in your TFSA and get the deduction later. Other investment options are non-registered accounts in which returns are taxed by CRA.
Although we already mentioned paying off your mortgage, you may have other debt that should be attended to first. You’ve heard it before and you’ll hear it again…get rid of that credit card debt.
Do Nothing…
- If you’re a public servant with a government pension you are pretty set up
- If you have an big fat company pension you do not need an RRSP
- Old Auntie Phillis leaving you $1,000,000 in inheritance? You do not need an RRSP.
- OVERWORKED? Need a vacation? Take one. Do not let yourself get burnt out or injured and damage your future earning potential
Trusted Regina’s Finance Experts -give them a call to see how they can work for you!
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 Explains what an RRSP is!
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
