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 shares a tip on a Budget Killer:

There is an insidious monster in your personal finances trying to eat up all your money! It is so small, you may never even notice until you realize you are living paycheque to paycheque or worse, going negative every month.

It’s called the MONTHLY PAYMENT!!!!

And it goes like this, “Cable bill, $60. Internet bill, $35. Cell phone, $60. Cell phone #2, $60….” Many people I know end up spending around $300/mo on telecom if you include internet, cable, land line, cell phone, data plan all in that category. And none of those amounts look so high – $60/mo, I can pay that. But when you add them all up, you have a real dent in your monthly finances.

So if you think bigger than this, how many amounts do you pay in the $11/mo range – think banking fees? How much do you spend at $10/mo, $20/mo and so on? And none of them are all that expensive really – they are just there.

We buy cars this way, houses, gym memberships, all kinds of things. The problem is that this leads to what I call “Accidental Spending” and can really destroy your budget. Paying in full and up front or thinking about your finances as a whole year’s expense can really change your patterns.

Think about it, if you had to pay $600 once for the gym rather than $50/mo, would you think twice and really consider getting that membership? And if you did think more before the purchase, would you be more likely to use the membership?

Same with your cell phone, if you thought about your data plan as a $40/phone/month expense for 2 phones, would you think twice about $960/yr just to get facebook wherever you want? Maybe you could wait until you are on a wireless network after all!

So, think about payments because they happen whether you go to the gym or not and whether or not you go out for dinner as well.

Chris Worby is a Trusted Regina based financial advisor and Wealth Management consultant servicing local Regina households and businesses since 2001.

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

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

Reed Security believes when you become a client you will be entering into a relationship – one they want to grow and become long term...they work hard to meet all your Regina Alarm & security needs from day one!

Here they share a tip on the REEDHD Smart Cameras:

REEDHD SMART CAMERAS SEE AND THINK LIKE US!

Video Analytics is a generic term used to describe computerized processing and analysis of video streams and is used for a variety of tasks. Video Analytics automatically monitors ReedHD Smart Cameras and sends you real time alerts of pre-defined events. Instead of waiting passively, you can now TAKE ACTION.

ReedHD Smart Cameras:

• Provide advanced detection and real time alerts - Actively fight crime
• Provide business intelligence - Customer experience, staffing and traffic counts
• Quickly pay for themselves Are less costly than private security guards - Do the math. How much do you spend per month for private security guards? Can the costs be reduced by implementing ReedHD Smart Cameras? You may consider using both.
• Are less costly and lower maintenance than dogs - Dogs are a great deterrent. They're also messy and can be easily overcome with poison.
• Are less costly and more effective than relying on a human operator - Various research studies and real-life incidents indicate that an average human operator of a surveillance system, tasked with observing video screens, cannot remain alert and attentive for more than 20 minutes. Moreover, the operator’s ability to monitor the video and effectively respond to events is significantly compromised as time goes by.
• Work with PC, iPhone, iPad and Android phones and tablets

ReedHD Smart Cameras Can Identify:

• Penetration of Unauthorized People / Vehicles into restricted areas
• Tailgating of People / Vehicles through secure checkpoints
• Traffic Obstacles Unattended Objects Vehicles stopped in no-parking zones, highways or roads Removal of Assets Crowding or Grouping Loitering
• Smoke and Fire Video Management

Software and Apps:

• See Live Video Cameras Immediately review and respond to events detected by ReedHD Smart Cameras
• Easily manage your cameras and setup rules
• Search by time, camera groups, rule violation type, object type, etc.
• May work with your existing video cameras

Actively Do Something About It:

• Once an event is detected by ReedHD Smart Cameras it's time to take charge.
• You can make a difference 80% of the time with the following added measures:

One Way Talk Down - Loudspeakers are installed at the premises. You can talk down to the premises from your smartphone. "HEY - YOU IN THE BLACK JACKET. YOU HAVE BEEN DETECTED. THE POLICE HAVE BEEN DISPATCHED. LEAVE IMMEDIATELY" "YOUR FACE IS BEING RECORDED IN HIGH DEFINITION"

2 Way Talk Down - Same as One Way, but with a microphone added to the premises. Great for after hours at car dealerships or unattended premises.

Sirens - You can activate external sirens to make unwanted visitors leave. 

Flashing Strobe Lights - You can activate flashing lights to make unwanted visitors leave.

24/7 Video Verification:

Packages For increased protection we highly recommend that ReedHD Smart Camera alerts be sent to our 24/7 Rapid Response Monitoring Stations. A professionally trained live operator will log into your cameras, perform a look-in and decide if a problem exists. We can *talk down to the site to actively deter crime, alert you and dispatch the proper authorities.

*Monthly charges apply for all video verification packages*Requires talk down option

Find Reed Security online at www.reedsecurity.com  or check out their listing here in the REGINA ALARM & SECURITY Category on the REGINA directory of excellence. Virgil Reed and his team are YOUR Trusted commercial security experts! 

Trusted Regina’s Financial experts share a tip on Things to do with your RRSP Refund:

·Put it on your mortgage – lower debt would allow you to fast track your early retirement plan.

·Pay off credit card debt – saves more interest than you can likely make by investing.

·Start a rainy day fund – life has a habit of surprising us.

·Put it in your children’s RESP – receive an extra 20% grant on it (30% in Saskatchewan). That’s a very good return on investment.

·Reinvest it in your RRSP – supercharge your RRSP by getting the deduction for next year.

·Do some essential home maintenance – you have been putting off because of the expense but now you have the cash. Your home is your biggest asset, look after it

·Fed up with your job? – Start an escape fund, plan your own business and this will help fund the start up.

·Donate it to charity – that’s a tax deduction!

·Put in in the TFSA

·Keep it non registered and explore – do something riskier than you usually would with it and learn about investments.

·OR be really naughty and treat yourself…..who says we always have to be sensible. Live a little!

Trusted Regina’s Finance Experts  give them a call to see how they can work for you!

www.trustedregina.com  is the REAL DEAL...and nothing explains it better than when we get feedback from the public....people like YOU that made the smart & simple choice .. to deal with a Trusted business like Bergen's Auto Body  and they did everything they could to help...and more,  just like we Guaranteed!

 Here is a recent review about Bergens on their Google Review page on the Bergen's Auto Body  Regina Google + Page  

" Immediately after my appointment -- on the 4th of the month -- at the SGI Claims Centre (as the result of a collision between my truck and a deer) I took the vehicle to the two Ford dealerships in Regina. Neither one could accommodate me within the next month to six weeks and weren't really interested in looking at the paperwork to determine the scope of work that needed to be done. I went to Bergen's where Jonathon had a close look at the paperwork, listened to my need to have the vehicle fixed and back in my hands by the 15th and, within minutes, committed to meeting my need. Bottom line: I had the truck back on the 13th, with quality workmanship and cleaner outside and in than it had been for weeks. Could not be happier nor more satisfied with the attitude, the quality of work and the delivery on commitment given by Jonathon and the staff at Bergen's " Leon Brin , Regina

Thanks for taking the time to review them Leon...and thank you to Bergen's for proving ( yet again) that they are deserving of the title TRUSTED REGINA AUTO BODY SHOP. 

To read more review check out their other Google reviews for Auto Body Regina here  or check out  their listing in the Regina Auto Body Category here!  

Bergens are a local family business and from the moment you walk in the door you will be treated like family!

Bergens Auto Body Regina  are proud to have an amazing 80 Years Auto Body Experience, and they have been serving Regina Auto Body needs for over 30 Years....they have a loyal customer base that simply wouldn't think of going anywhere else. Bergen's are an SGI Accredited Regina Auto Body and Collision Repair shop  , they offer courtesy cars to their clients and they specialize in foreign vehicles.

While Bergens Auto Body Regina appreciate your business, we know it's never fun to get into a collision in the first place.

They are your BEST REGINA AUTO BODY shop and here they share a great tip on Distracted Driving and Crash Odds:

CRASH ODDS:

Drivers who are engaged in the following distractions are more likely to be in a crash or near crash event compared with non-distracted drivers.

• Text messaging (or texting) on a cell phone — 23 times more likely
• Talking on a cell phone — 4 to 5 times more likely
• Reading — 3 times more likely
• Applying makeup — 3 times more likely
• Reaching for a moving object — 9 times more likely
• Dialing on a hand-held device — 3 times more likely
• Talking or listening on a hand-held device — 1.3 times more likely

Bergen's AutoBody & Collision Centre are TRUSTED REGINA AUTO BODY EXPERTS...and they are waiting to help you. Fan them on Facebook here and be assured that they will look after you ..you can TRUST them..we Guaranteee it!