Trusted Tips and Resources

Trusted Tips & Resources

Trusted Regina Insurance Experts at Dusyk & Barlow Tip on Auto Insurance Coverage for Vehicles in Storage

Dusyk & Barlow is a 100% locally owned Regina Insurance Brokerage providing honest, reliable, and personalized service to all their clients. Their long-standing reputation in the community remains strong through maintaining high standards of excellence and ensuring that their clients' insurance needs are met.

They are Trusted Regina insurance experts!

Do You Have Proper Auto Insurance Coverage For Vehicles In Storage? 


Dusyk & Barlow Insurance Brokers Ltd. has two locations in Regina, SK. They are family-based, locally-owned Insurance brokers who have been involved in the Saskatchewan insurance industry since 1936. Insurance products they offer include auto insurance, including Saskatchewan SGI motor licensing services, home insurancecondo insurancetenant insurancetravel medical insurancecommercial insurance, and bonding and surety services. Our latest article shares some important information about auto insurance for vehicles in storage.


Protecting Your Vehicle In Storage: Why Home Insurance May Not Be Enough

Your home is not just a place to live; it’s also where you store many valuable possessions, including your vehicle. If you have a garage, you might assume your vehicle is automatically covered by your home insurance while parked there. However, this isn’t always the case, especially in Saskatchewan. In this blog post, we’ll explore why your vehicle may not be covered by your home insurance when it’s in the garage, and we’ll discuss the importance of keeping your vehicle insured through your auto policy, even when it’s temporarily in storage.


Home Insurance and Vehicle Coverage

Home insurance is primarily designed to protect your home and its contents, not your vehicles. While it typically covers personal property, including items in your garage, it often has limitations regarding vehicles. In  Saskatchewan, home insurance may not extend coverage to your vehicle at all, even if it’s parked in the garage.


The Importance of Auto Insurance

Auto insurance is specifically tailored to protect your vehicles, whether on the road or in storage. It provides coverage for various situations, including accidents, theft, vandalism, and damage that can occur in your garage or while your vehicle is parked. Even when your vehicle is not in use and temporarily stored, it’s crucial to maintain auto insurance coverage to safeguard your investment.


Auto Insurance While in Storage

In Saskatchewan, you can adjust your auto insurance coverage when your vehicle is unused. You can switch to a “storage” or “lay-up” policy, which is more cost-effective than standard coverage because it removes certain risks associated with active driving.

A storage policy typically covers:

  1. Comprehensive Coverage: This protects your vehicle from non-driving-related incidents such as theft, vandalism, fire, and natural disasters.
  2. Limited Usage: Some storage policies allow for minimal usage, such as moving your vehicle within your property or to a repair shop.
  3. Theft and Vandalism Protection: Comprehensive coverage under a storage policy ensures your vehicle is protected against theft and vandalism even when parked in your garage.

The Consequences of No Auto Insurance Coverage For Vehicles In Storage

Failing to maintain adequate auto insurance coverage while your vehicle is in storage can have significant consequences. You may be left without financial protection if an unexpected event occurs, such as a break-in or a fire that damages your vehicle. Repairing or replacing a vehicle can be a substantial expense; without insurance, you would have to cover these costs out of pocket.

While it may be tempting to assume that your home insurance covers your vehicle when it’s parked in the garage, this is not always the case. To protect your vehicle from various risks, including theft, vandalism, and damage, it’s essential to maintain auto insurance coverage even when your vehicle is temporarily in storage. Consider switching to a storage policy to reduce costs while protecting your valuable assets. Remember, being proactive with your insurance coverage is the best way to secure your peace of mind and financial well-being.

If you would like additional information, a quote on insurance, or information about any insurance products we provide, don’t hesitate to contact us at either of Dusyk & Barlow’s locations.


 “Protecting What’s Important Since 1936”

DUSYK & BARLOW INSURANCE BROKER  


Dusyk & Barlow is a 100% locally owned Regina Insurance Brokerage providing honest, reliable, and personalized service to all its clients. Their long-standing reputation in the Regina community remains strong through maintaining high standards of excellence and ensuring that their client’s insurance needs are met.

Welcoming Anchor Managed Solutions As Your Trusted Regina IT Expert

The Trusted Regina Team is delighted to welcome our newest Trusted Regina Partner, Anchor Managed Solution, to the Regina Computer and Website Design CategoryGet to know all they do and meet the people behind the business in our latest Trusted Regina article welcoming a new partner to our Regina community of locally owned businesses operated with integrity! Anchor Managed Solutions Are Trusted Regina IT Experts.  

Meet Saskatchewan IT Experts -Anchor Managed Solutions 


The Trusted Regina community is thrilled to welcome a new business-to-business partner to our thriving business ecosystem.- Anchor Managed Solutions, established in 2014, has quickly risen to become one of North America's leading IT companies, specializing in supporting small and medium-sized businesses in the Saskatchewan region. With a dedicated team of experts and a commitment to providing top-tier IT solutions, Anchor Managed Solutions has proven itself a trusted partner for businesses needing tech support and guidance.

Meet the Visionaries: Andrew, Pat, and Shawne


Behind the remarkable success of Anchor Managed Solutions Ltd. are three passionate and dedicated local founders: Andrew Ouellette, Pat Kolysher, and Shawne Hancock. These leaders have collectively brought a wealth of experience and expertise to the company, making Anchor a standout choice for businesses seeking IT excellence in Saskatchewan.


Andrew Ouellette's extensive experience in IT spans a wide range of industries. His profound knowledge has been honed through numerous projects, including designs for prominent organizations in Saskatchewan, such as mining, telecom, and health regions. Andrew has earned the trust of technical leads throughout the area and has a well-deserved reputation for delivering exceptional IT solutions.


Pat Kolysher’s versatility in the IT field is impressive. He excels in software programming, IT recruitment, business development, and account management. He holds a Six Sigma Green Belt Certification, showcasing his commitment to excellence. His history of providing software support to healthcare institutions, including the U.S. Department of Defense, demonstrates his dedication to developing innovative programs that meet the specific needs of businesses in our province.


Shawne Hancock's journey in the IT industry dates back to the late 90s and has taken him through various roles, from desktop support to managing one of Saskatchewan's largest help desks. His exceptional leadership and time management skills, shaped by his experience in the Canadian Forces, have been invaluable. Now, as the Chief Operating Officer of Anchor Managed Solutions Ltd., Shawne uses his expertise to ensure efficient operations and services for their clients.


Anchor Managed Solutions has brought a wave of change to many businesses in Saskatchewan, serving as a guiding light through the complex world of technology. Their award-winning Help Desk operates 24/7/365, providing the support you need whenever you need it. But Anchor offers more than just tech support. They provide a range of professional services, including project management, scoping, and planning. Their advisory services help with policy development and compliance, ensuring your business stays on the right track.


What their clients say…..


We have been with Anchor Managed Solutions since their early beginnings.  In the area of IT there can be so many things that come up and there have been bumps in the road but they have always made things better.  I really feel like they have our backs.  They will get to work when issues arise and do whatever it takes to take care of things as quickly as possible.  I am pleased with our partnership with Anchor Managed Solutions and that is why we have been with them for so long.”
- Diana Perviera. 

In addition to their comprehensive IT support, Anchor Managed Solutions offers their clients procurement services. Whether you need hardware, software, or online store membership and discounts, Anchor has you covered! 


Anchor Managed Solutions is a proud Indigenous-owned Saskatchewan company. This distinction signifies a commitment to diversity, inclusion, and empowering Indigenous peoples in business. As an Indigneous-owned enterprise, Anchor Managed Solutions contributes to the region's economic development and promotes cultural awareness and social responsibility. It is a testament to the potential for success and collaboration in an increasingly diverse and interconnected global economy. It demonstrates that when businesses prioritize Indigenous ownership and values, they enrich the fabric of their communities and foster a more inclusive and equitable society.


But what truly sets Anchor Managed Solutions apart is their teams’ proactive approach to IT and cybersecurity. They are dedicated to taking the burden of technology management off your shoulders so you can focus on what truly matters – growing your business. Their tagline, "IT Done Right," reflects their commitment to excellence and their promise to deliver IT solutions that truly work for you.


Welcome Anchor Managed Solutions Ltd to the Trusted Regina Community.


Congratulation to Al Schick Construction on Celebrating Their 20th Anniversary


CONGRATULATIONS, AL SCHICK CONSTRUCTION - CELEBRATING 20 YEARS OF TRUSTWORTHY BUSINESS PRACTICES IN REGINA 

This latest article celebrates and recognizes Al Schick Construction, Trusted Regina Contractor, and Regina residential renovation pros. as they celebrate 20 years in business! 

'A Regina General Contractor You Can Trust

AL SCHICK CONSTRUCTION CELEBRATES 20 YEARS!  


Congratulations to Al Schick Construction on celebrating 20 years!  The business has been operating since 2003, and he runs a well-established local family-owned and operated Trusted Regina renovation company. Led by Al Schick, who has extensive experience in renovations and project management, the company has built a stellar reputation in Regina.




A HISTORY OF EXCELLENCE AS STANDARD


Al Schick's expertise in construction has been passed down to his son, Les Schick, who has been involved in the business since his teenage years. This family connection ensures a strong commitment to quality workmanship and customer satisfaction.


One of the distinguishing features of Al & Les Schick is their personalized approach to each client. Unlike larger companies, they take the time to get to know their customers personally and prioritize their wants and needs. They aim to bring their client’s visions to life and provide personable, friendly, trustworthy, and professional service.


I would like to thank all of my current and past customers for their business and support, which enabled us to remain in business for 20 years and counting. I would also like to thank my team of past and current employees, including my son Les, for their hard work and attention to detail, because without good people, you can’t do good work. “ Al Schick

The company specializes in various residential and commercial projects in Regina, including interior and exterior renovations. They handle everything from office renovations to large full-scale renos and additions. Whether planning a project for your home or business, requiring insurance work, or needing professional project management services, Al Schick Construction is dedicated to delivering top-notch results.


Their clients say it best!

 “Al is first class all the way! We had a basement renovation completed by Al and an extremely complicated garage added to our home. I would give a 10 out of 10 rating on every aspect of his integrity and workmanship. I have sent many friends to Al and will continue to do so. If I ever need work done in the future, I will pick up the phone, call Al and never even question his bill. I truly do Trust him to do a great job” -Bob R.


A word from Trusted Sara about her personal experience with Al Schick Construction.


" I was told about Al Schick within weeks of arriving in Regina and looking for good, trustworthy contractors. He was quite hard to track down initially,  as he had no website or social media, I eventually got his card from another client in the home building industry and gave him a call. He was friendly on the phone and seemed intrigued about the concept. He agreed to meet me for coffee to learn more but did warn me that he doesn't advertise. Our meeting went really well, he struck me as a warm, humble and friendly man who clearly cares about his customers. He talked about how important it was to him that his customers were happy with the work that was done, and how he was lucky to be doing what he loved for a living. To this day I am grateful that the only place he ever advertised is Trusted Regina, and that he extended his trust to me, he is a perfect example of the kind of businesses I love working with and promoting. In 2022 I met Les Schick for the first time. We met lots and worked together on website content, so I got to know him well which has been great. Les is a chip off the old block and it is great to see a long-term succession plan in place. Regina is lucky to have such a wonderful family construction business as an option, and I can't recommend Al Schick Construction highly enough.    - Sara Wheelwright, Trusted Regina founder.  

With their years of experience, dedication to quality, and trusted reputation, Al Schick Construction is a Regina general contractor you can trust. Congratulations, Al & Les, once again, on reaching this significant milestone!



Thank you for TRUSTING us, Al and Les. You have provided ten years of AMAZING service to the people of Regina & area as a Trusted Regina Partner in Regina Contractors and Regina Renovations categories. We are proud to support Al Schick Construction, and we are thrilled to share that they have diligently upheld the 5 TRUSTED GUARANTEES of service and NEVER had a complaint. 




CONGRATULATIONS MacKay & McLean Barristers & Solicitors On Celebrating 10 years as a Trusted Regina Law firm

CONGRATULATIONS, MACKAY & MCLEAN, ON 10 YEARS OF TRUSTWORTHY BUSINESS PRACTICES IN REGINA 

TRUSTED REGINA RECOGNIZES OUR PARTNERS WHO HAVE BEEN TRUSTED FOR OVER 10 YEARS!


In this series of recognition articles, we continue to spotlight the businesses that have been Trusted Regina Partners for over ten years. Currently, we are recognizing Partners that joined the Trusted Regina community in 2012. We want to thank them for TRUSTING our team, and we are identifying each of them individually for providing ten years of OUTSTANDING service to the citizens of Regina and the surrounding area! This latest article celebrates and recognizes MACKAY & MCLEAN Barristers & Solicitors, Trusted Regina Lawyers.


MacKay & McLean Barristers & Solicitors


MacKay & McLean started in 1976 when Sterling McLean and David MacKay combined their service in a downtown Regina office on Cornwall Street. Robert MacKayafter working there as a legal assistant in the late 80s and early 90s, then as an associate lawyer after passing the bar in 1996 made partner in 2001.

Being an “all purpose” practice, everything from personal injury and civil litigation to criminal defenses and corporate legalese; real estate, wills, estates and family matters became the preferred areas of law the firm practiced in.  

Real Estate was considered a happier form of law to deal in. Helping people acquire homes, advising on financing options and how to reduce debt, all to assist in helping families achieve their goals.  

With wills and estates it was the duty of the lawyer to take an often awkward and sad occasion and make it easier on those planning for when they are gone or helping those that were left to deal with the wake of things past.

The culture of the family office at MacKay & McLean has guided them to become a bigger part of the community. Lawyers join the firm who also wish to be a benefit to the community.

Their support staff made up of legal assistants and paralegals accumulated through the years have been trained to not only create documents and assist in the execution of documents but are capable of answering most day to day questions regarding the process and timing of operation regarding the files they are assigned.  

It is through their supervised efforts that help make the clients experience as swift and satisfying as possible.  If language is a barrier in assisting our clients we have a stable of interpreters capable of removing confusion from the issues.

Moving forward, a large concern of theirs is the recent direction the courts have taken in an effort to increase the accessibility of regular folks' access justice. Unfortunately this is a daunting task and the efforts, at times seem pointless. The court system is expensive and cost-prohibitive to many. The changes in the legal system have led to complicated and time consuming hurdles. Mandatory mediation, judicial case conferences and pre-trials created to lessen the burden on the court’s docket, have instead led to half day meetings with lawyers and clients awaiting their turn, adding to the billable hours a client must deal with. This in itself makes an action less likely to be dealt with. If someone owes you $2,000, it is not likely you will spend $3,000 to deal with it.

This all may lead to the legal profession taking it on the chin and leave people believing that lawyers are not one of them. Being a part of the community helps lawyers keep a pulse on what is important to their clients.  Regardless of the type of law you are venturing into, be it real estate, criminal or litigious actions, the courts often take into consideration the public at large and the effects that decisions create on a population bound by them.

MacKay & McLean appreciate the importance of community and try to contribute in various ways when possible. Each lawyer and firm has their own persona and with that comes different goals. Theirs is to do things that are right. Let them help find people financing and homes. Let’s help keep people safe and when they are injured, help them get the compensation they need to get back to where they once were.

Joining service groups, municipal clubs and organizations are not just tools to help create business. Instead they are a means of joining the community. Sharing their concerns and hopes, while working on a common goal usually leads to an orderly success however the money charged by the firms to these groups often does not cover the cost of doing business. This is not done solely with the hope to work for them again in the future, but because they and their firms exist in the community.

They may work on a contingency or even pro-bono for the right client, especially if the case pertains to principles that are dear to them and their own ideologies. If a freedom of speech or discrimination file comes to light, often a lawyer will become the face of the case only to be forgotten once the matter is settled. They took it on, not for fame nor for fortune, instead it was taken on because it was thought to be both worthy and right.

Honesty and integrity is a very large part of being a successful lawyer. Clients go to them because they feel they can trust them, and they can. Often we hear how lawyers are akin to overzealous hucksters and confident men. Few realize that a lawyer’s actions are both insured and guaranteed by the law society. Governed by peers who all share the same public thoughts and armed with the powers of suspension, disbarment and oversight, the law society helps protect the reputation of the system and the community at large.

MacKay and McLean is proud of their  culture and maintaining a family atmosphere while offering our services directly to the community. Doing so effectively has led them to expand, hire more lawyers and staff and create a name that helps all of our clients navigate a complex system without losing their shirts.


What MacKay & McClean Clients Say…

"Mr. D. MacKay is a lawyer with ethics and integrity, making him a bit rare in the field! He's always more interested in giving good advice then in taking your money!" - James Turner
"Robert MacKay and Alina have done a couple transactions for me. They are down to earth at the same time as being professional. Very pleased with the work and definitely recommend!" - Randy Knapp
"Lawyers you can TRUST! Robert MacKay and the team are amazing to deal with - outstanding service and advice!" - Sara Wheelwright


Thank you to the  MacKay & McLean team for TRUSTING us ! You have provided over ten years of AMAZING service to the people of Regina & area as Trusted Regina lawyers. We are proud to support you and share that they have diligently upheld the 5 TRUSTED GUARANTEES of service and have never received a complaint about them!

Trusted Regina Financial Advisors at Worby Wealth Management Explain RRSPs

Chris Worby is a Trusted Regina based financial advisor and Wealth Management services provider. 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 in Regina and area. Worby Wealth Management listens and provides a personalized financial plan. In their latest Worby Wealth Management Trusted Regina Financial Tip, they share details about Registered Retirement Saving Plan (RRSPs).

Registered Retirement Saving Plans (RRSPs)

By Chris Worby - May 2023

A Registered Retirement Savings Plan (RRSP) is an investment that is registered with the Canada Revenue Agency (CRA) which allows for the deferring of taxes owed on the money contributed and any investment income earned until future years when the funds are withdrawn.  

RRSP Contributions 

The money you contribute to an RRSP now allows you to reduce the income you pay tax on for the previous taxation year. 2 months into the next calendar year is the usual deadline to invest into RRSPs for the previous taxation year.  That means January and February is the perfect time to invest in an RRSP for the previous tax year.


“Wait, did you mean now as in now, or as in now… eh I’ll get to it soon now?”  

That  old adage is never more relevant – 

" The best time to invest was 50 years ago… the second best time to invest is right now! "

The 2022 limit is $29,210 or 18% of your earned income reported on your 2021 tax return (whichever is less), minus any employer-sponsored pension plan contribution, plus any unused contribution room from previous years.  Check your most recent CRA Notice of Assessment (NOA) to determine your limit.  


Age Limits

No minimum contribution age exists, but you must have earned income reported to CRA.  At Worby Wealth Management, we’ll never promote child labour; regardless, my children seem to think spending time on Roblox counts as performing a household chore. 

The sooner you start contributing to your RRSP, the better to take advantage of the power of compounding.  Contributions can be made until you turn 71, when they must be converted to an RRIF, or you must purchase an Annuity.


Investment Choices

Various investments can be held in an RRSP, including cash, GICs, bonds, mutual funds, ETFs and individual stocks.  However, before choosing your investment approach, it’s always best to consider Retirement, Tax, and possibly even Estate issues.


Questions regarding RRSPs? 

If you have questions about account or investment options, contact Worby Wealth Management to get your questions answered and start investing in an RRSP or other investment accounts today.


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 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  Chris Worby for the benefit of Chris Worby, a Financial Advisor 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 are reliable, but we cannot guarantee its accuracy or reliability.  The opinions expressed are based on an analysis and interpretation dating from the publication date and are subject to change without notice.  Furthermore, they do not constitute an offer or solicitation to buy or sell securities.  Mutual Funds approved exempt market products and/or exchange-traded funds are offered through Investia Financial Services Inc.

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