Trusted Tips and Resources

Trusted Tips & Resources

Trusted Regina Financial Advisors at Worby Wealth Management Discuss Credit Ratings

Chris Worby and Jeremiah Worby are Trusted Regina based financial advisors and Wealth Management services providers servicing local Regina households and businesses. With over 20 years of experience, Worby Wealth Management has been committed to providing a high standard of financial service to individuals, families and business owners. Worby Wealth Management listens and provides a personalized financial plan.


Credit Ratings

by Jeremiah Worby

We’ve all heard the stories from someone we know (though we may or may not like that person) about having been a victim of some form of identity theft.  Identity theft can drastically affect your credit rating, and your credit rating affects almost everything in your financial world.


Whether you’re looking to apply for a credit card, take out or renew a mortgage, get a car loan, or want to borrow a million dollars from that loan shark down the street, your credit rating will greatly impact the interest rate which you might receive for such loans.



There are two major players in the credit rating world of Canada – those being Equifax and TransUnion.  You can, and we suggest you do, go to both these websites and sign-up for their free service to check your credit scores.



Equifax

Directly from their website, Equifax states:
“We are a global data, analytics, and technology company. We believe knowledge drives progress. Our unique data assets, technology and analytics transform knowledge into insights to power decisions that move people forward.”

Here’s a wonderful and short read [they claim it’s 2 minutes but I think it’s way more like 3 minutes :)] from Equifax about what impacts your credit score.

https://www.consumer.equifax.ca/personal/education/credit-score/what-impacts-credit-score/



TransUnion

Directly from their website, TransUnion states:

Our mission is to help people everywhere access the opportunities that lead to a higher quality of life. By helping organizations optimize their risk-based decisions and enabling consumers to understand and manage their personal information, we empower both to take their destinies into their own hands.”

Here’s a true 2 minute read from TransUnion about 5 factors that affect your credit score.

https://www.transunion.ca/what-affect-credit-score?



Find Out More

Whether you’re 20 years old or 50 years old, credit ratings are of utmost importance. Contact Worby Wealth Management to help fix your credit score and set you on the path to success!


Some of the services that Worby Wealth Management can help you with: 

TRUSTED REGINA FINANCIAL ADVISOR Chris Worby from Worby Wealth Management helps you live your dream!


The comments contained herein are a general discussion of certain issues intended as general information only and should not be relied upon as tax or legal advice. Please obtain independent professional advice, in the context of your particular circumstances. This Blog was written, designed and produced by Jeremiah Worby and Chris Worby for the benefit of Jeremiah Worby and Chris Worby who are Financial Advisors at Worby Wealth Management, a registered trade name with Investia Financial Services Inc., and does not necessarily reflect the opinion of Investia Financial Services Inc. The information contained in this article comes from sources we believe reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any securities. Mutual Funds, approved exempt market products and/or exchange traded funds are offered through Investia Financial Services Inc.

Trusted Regina Alarm & security pros at Reed Security Share Their Security Checklist

When you become a Reed Security Group commercial client you will be entering into a relationship - one they want to grow and become long-term. Last year over half of REED Securities business came from word of mouth! REED SECURITY  IS TRUSTED REGINA ALARM and SECURITY expert.

Use this helpful Reed Security checklist to keep the odds of being a victim of break in's in your favour.


1. SHARE INFORMATION 

  • Let your neighbours know if there is unusual activity or crime on your block.
  • Join your local Neighbourhood Group on Facebook and learn about recent activities.
    eg: Neighbourhood Watch
  • Share video and images from your doorbell camera or security cameras.
  • Share information with the Police as it may help with an arrest

 

2. BE SMART

  • Ask all strangers for identification. The person who is “lost” and looking for directions could actually be a burglar checking to see if someone is home.
  • DO NOT advertise on Facebook or Instagram that you are travelling. You may think you’re letting your friends and family know you’re having a great time, but people often forget to change their privacy settings. If you like to post photos - post them after you get back.

3. LOCK YOUR DOORS AND WINDOWS

  • Many burglars go door to door looking for targets that forgot to lock their front doors and car doors. Make sure all doors and windows are locked.
  • If you lose a key get the locks changed.
  • A better alternative is to eliminate keys altogether by installing an Alarm.com smart lock with a built-in keypad.
  • Install monitored door and window sensors.
  • When your security system is "armed" an instant alert is sent to your smartphone and our 24/7 Monitoring Stations

4. USE PROPER LIGHTING 

  • Burglars target unoccupied homes so keep your home well lit at night.
  • Install timers that turn lights, radios and televisions on at different times. This gives the appearance that someone is home. 
  • A better option is to install Alarm.com smart lights and smart appliance modules and set them up on an alternating schedule.




 5. INSTALL A SMART SECURITY SYSTEM

  • $0 Smart Security packages range from $34.95/mo. to $79.95/mo. 
  • Protection against intrusion, fire, carbon monoxide, flood, low temperature and more
  • No phone line required
  • Alarm.com smartphone and desktop apps
  • 400% less likely to have a break-in
  • Up to 20% of homeowners insurance - consult your insurance broker

 6. INSTALL SMART CAMERAS

  • Check on your property from Anywhere, Anytime with a doorbell camera
  • Get instant alerts when a person is at the front door
  • Speak to visitors
  • All events are recorded and can be used as evidence
  • Secure your entire property in color 24/7 with our $0 ColorVu Camera Sale 


CUSTOMISE THE PERFECT SECURITY SYSTEM FOR YOUR HOME OR BUSINESS.

Drop us a line and get a FREE SECURITY EVALUATION or skip the form and call us

REED SECURITY 

Reed Security Headquarters

306.653.3200 or 1.844.384.SAFE (7233)

REGINA SECURITY

306.206.0700

When you become a Reed Security Group commercial client you will be entering into a relationship - one they want to grow and become long-term. Last year over half of REED Securities business came from word of mouth! 

COMMERCIAL PRODUCTS:

    To see a demo of the Reed HD Video and the AMAZING quality-..click here

 REED SECURITY  IS TRUSTED REGINA ALARM and SECURITY expert.




Trusted Regina Tip on How to Cultivate Company Culture From Home

Cultivating Company Culture from Home

Cultivating Company Culture from Home

With the COVID-19 pandemic, employees are looking for more when it comes to their workday, especially when many are working from home now. Not necessarily more money or more benefits (although those are important), but more fulfillment. It’s normal for an employee to want to know their work matters; to feel valued and like they’re making a difference. 

How can your business offer that when your only interaction is through a Zoom meeting? By reinforcing a strong company culture that exceeds the walls of your office. Your culture sets you apart from other employers, either in a good way or maybe not-so-good way. How can you ensure a company culture that has employees (and clients) sticking by you? Here are five ways.


1. Reestablish your values.

The culture is what defines your company. Within that culture lies your core values; however, unless you’re following through with them, they are worthless. The only thing worse than a company with no values is one where the values are meaningless. Share the things that mean the most to your business with your employees. Show them why these things matter and illustrate how they, as an individual, fit into the mix. 

 

2. Listen to your current employees.

Given the current situation, it’s important to retain the employees you already have. Try sending out staff questionnaires or surveys about the current culture to see how team members are feeling, then (drum roll) listen to what they actually say. 

If you prove to your employees that their opinions matter, they will be more likely to stay with the company, enjoy their work and recommend the business to others. Not only that, but the positivity from an employee who feels valued will contribute to a positive company culture overall.

 3. Build a team mentality.

It can be so easy for employees to lose motivation, especially while many are in the confines of their own homes for what feels like forever. How can you counteract this? Develop a goal that your entire team can get excited about. Build up the idea of “we’re all in this together” (think High School Musical). You are all part of the same team, with each member doing his or her part towards the ultimate goal. 

Every person wants to feel important to the organization. By building up a team mentality for your company, you create a culture of unity and community. From here, you will be able to see who’s a team player and who’s not, by those supporting the company and fellow coworkers.

 4. Check on your team.

It can be easy to assume that, since your team is working from home, their workday is a breeze. While some of them may be thriving, there are others that may be struggling. Especially your extroverts. Have regular chats with your team and figure out how they are feeling and be prepared to help with any struggles. 

By having regular communication with your team, they will feel that they’re appreciated and cared about. It’s also a great way to stay in touch with everyone while social distancing and working from home are the norm. 

 5. Have some fun.

You heard that right. Have some fun! While this may look different for every business, don’t be afraid to shake things up a bit every now and then. No matter what you decide, there is always some way to encourage employees to engage in activities that feel less like work and more like a day off. Whether it’s a virtual happy hour or a Netflix party, a little relaxation can go a long way in building a consistent company culture. 

When it comes to furthering your business, there are few things that are more important than the employees who work for it. Hold on to your talented employees and create an employee-friendly environment that is shared between the physical office and the home. Your company culture is your saving grace even during these unusual circumstances, but when your culture thrives, so will your business.


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Saskatoon, SK   S7K 1N7
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