Trusted Tips and Resources

Trusted Tips & Resources

Robert MacKay Trusted Regina Real Estate Lawyer shares three words used to describe MacKay & McLean Barristers & Solicitors

It’s an exciting time – the old house is sold, the new one is ready, and all that’s left is the move…..oh wait – not quite yet! There’s all that legal “stuff” to deal with now….signatures….titles to be given…and pages and pages of documents that need to be signed before the key is in your hand!!! And to top it all off – who really knows a good real estate lawyer?

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

 

The three words most commonly used to describe MacKay & McLean Barristers & Solicitors

Service. Solutions. Integrity. 
Being a small firm, the lawyers of MacKay & McLean give personal, professional attention to each of our clients, thus maximizing results while minimizing cost. Our lawyers and front office staff take the time to talk to you so that you are comfortable with the process of our services. More importantly, we take the time to listen to you.
 
 
 
We provide a full range of legal services including:
 
• Real Estate & Mortgages
• Wills & Estates
• Family Law & Divorce
• Commercial & Corporate Law
• Litigation & Personal Injury
 

 

Your first consultation is free so that we may assess your need for a lawyer, cost of services and how we may help you.

MacKay & McLean provides the professional services of a large 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.

 

Robert MacKay is your Trusted Regina Real Estate Lawyer

 

Chris Worby a Trusted Regina Financial Expert shares 5 Things to Expect from Your Financial Advisor

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 plan that is tailored to your specific needs and based on your individual situation.

Let Trusted Regina Financial Advisor Chris Worby of Worby Wealth Management help you live your dream!


5 Things to Expect from Your Financial Advisor

I spend a lot of time figuring out how to add value to my clients. I read many articles on a daily basis trying to understand people’s money management issues both psychologically and mathematically. I have seen good, bad and ugly in the world of investment and here are 5 things I have integrated into my practice as I think they add value and I think you should look for these qualities in your advisor. 

1. Communication. 

During the 2008 liquidity crisis, I gained a few extra clients because I was actively in contact with my existing clients and other advisors were not in contact with theirs. The fact is that I, like all the others, did not know what was happening or why – a 50% drop over 2 months will have that effect on you! – but that didn’t keep me from calling and having appointments. I may not have had answers, but it was still my job to provide them access to whatever information was available.

 

2. Pro-activity. 

This one goes a bit hand in hand with the first one but I can’t tell you how often I’ve heard this, “he calls me at RRSP time and I go write him a cheque and don’t hear from him for a year.” Who is the client in this scenario?! One trick I use for this one is to sometimes book our next appointment at the end of this one – even if it’s going to be 6 months down the line. It keeps us all accountable to meet regularly.

3. Interest. 

I often joke that “you don’t have to be a nerd but you do have to hire one” because the reading I do and enjoy and look forward to would put the average person to sleep in about 3.7 seconds! I like people, I like math, I like psychology, I like markets – I like what I do. I don’t do it because I have to; I do it because I want to. If you are working with someone who has to do something, you know it and you also know mediocrity is the usual companion.

4. Relationship. 

Personally, I don’t get a lot of utility out of a transactional relationship. I like to get to know my clients and I like them to know me. I am a little quirky (aren’t we all) and I like other people’s quirks. I enjoy the eccentricities that make people unique and if we are dealing with transactions – “My guy calls me at RRSP time and I don’t talk to him for a year” – I don’t get a lot of personal reward from that. It makes our work together more personal, I can understand people’s goals better and I can advise them better.

5. Competence. 

This one is difficult to assess in an hour or two of meeting someone however, I think it is fair to ask a new advisor about wins and losses. “Tell me about 3 recommendations you’re proud of and 3 that you aren’t.” There is no possible way that everyone bats 1000 when it comes to recommendations based on the stock market but if someone isn’t willing to discuss it with you, that’s a red flag. This also leads to a talk about investment discipline – and that’s where competence truly lies.

 

I don’t think it’s out of line to treat a new advisor kind of like they are interviewing for a job. I often think of myself as a household’s Chief Financial Officer – you are the CEO; you’re the one making decisions and ultimately responsible. But within the realm of investments and money management services, I give recommendations for my client's consideration.

 

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 Worby is a Trusted REGINA FINANCIAL ADVISOR EXPERT

 

 

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!


Chris Worby a Trusted Regina Financial Expert from Worby Wealth Management shares a tip on Too Much Stuff

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 About Too Much Stuff:

Too Much Stuff? What to keep…

If you’re like me, you find yourself with stuff – lots of stuff – all over the place. In a lifetime, we accumulate and accumulate and it’s hard to know what to throw out.

By no means exhaustive, this article has some good ways to catalogue stuff and may give you some ideas on how to keep your stuff sorted.

 

The following is an entertaining article:

George Carlin and the new retirement minimalism

It is finally spring. Among the rituals of spring is spring cleaning. 

Comedian and colorful social observer George Carlin described a house as "just a place to keep your stuff while you go out and get more stuff.” Spring-cleaning is an opportunity to sort that stuff — making the option of downsizing possible, ageing-in-place easier, or simply helping family members make sense out of all that “stuff” you have accumulated for decades. 

Over an adult lifetime, you collect your stuff, family stuff and legal stuff. Here are some ideas on what to do with it. 

Your stuff is everything under your roof. However, as you approach retirement, or may already be in retirement, that stuff makes life and future housing choices more difficult. The more you have, the more there is to maintain, clean and organize. A house full of furniture that was once the home of a family of five, but now only has two, makes the decision to downsize difficult. Moreover, should something happen to one member of a couple, a home's contents can be a near-insurmountable burden to manage and ultimately sort out. A new ritual of retirement may be the adoption of new retirement minimalism — eliminating items that are in the house because ... well because they have always been there. Even if you don't want to downsize to another home, consider what you can downsize while staying in the home you are in. 

Family stuff used to include furniture, glassware, tableware and a long list of family artifacts such as great grandfather Joe's steamer trunk. Lifestyles have changed and keeping and handing down family “things” has become less important. Just consider the fact that the children of the baby boomers — the millennials — aren't following the same life course timetable or preferences of previous generations. They are marrying later in life. Choosing to have fewer or no children. Moreover, the homes they are choosing, many in urban areas, are smaller. Consequently, mom's dining room set doesn't have a place to go and, even if your children have a need for a crib, chances are the one in your attic it is out of style or painted with something that has been, or will be determined to be hazardous. 

Family stuff today is about memories that can neither be bought nor replaced. Photos across the generations that are annotated identify who is in the photo and their relationship to children and grandchildren. Family videos that have been copied to the most current medium — no your VHS player isn't worth keeping. Even your own audio stories are recorded to memorialize family history. All of these items can be safely kept in the cloud, occupy little space, accessed by everyone while preserving generations of memories. 

 

Legal stuff includes important documents that you and your family need access to for managing legal, financial and health matters that will become more critical as you age. The list can be long but includes legal and financial records for real estate, wills, health proxies, medical orders and desired intentions, insurance policies, inventories and the assessed value of the insured property, investment records, bank account locations, etc. These documents, along with an up-to-date list of contacts for attorneys, financial advisers, accountants, physicians should be organized, discussed with selected family and friends, and copies maintained in the home as well as with the appropriate professional, e.g., a lawyer that assisted with will writing. 

Like spring itself, life after work is an opportunity to start new. Retirement spring-cleaning through all that stuff makes considering alternative housing options possible, simplifies life in older age, and can be an invaluable gift to loved ones. 

Warning: May contain offensive language. 

 

 

Check out his listing on the Regina Directory in the REGINA FINANCIAL SERVICES category

 



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!


Active Electric Trusted Regina Electrician share a Letter of Recommendation

Active Electric are Trusted Regina Electricians and they get it right the first time, delivering all electrical services including installation, upgrade, and repair solutions.

Whether it's hanging a ceiling fan, installing a custom-designed landscape lighting system, installing a state of the art home theatre system or rewiring a commercial structure, or other electrical services, you can call Active they are here eager to help and no job is too small! Customer service is always their top priority and they should be your first call for a Regina Electrician!

Active Electric are your TRUSTED REGINA ELECTRICAL EXPERTS

 

Here they share a Letter Of Recommendation 

 

 

 

 


To Whom It May Concern,                                                                                              

I am pleased to write this letter of recommendation for Active Electric. We have been working with this company for approximately 3 years now. The service we receive from Brad and his crew is exactly what we need for our business. They are quick to respond to our needs. They are always at our jobs when they say they will be. And there have been countless occasions we have called them on very short notice, and they are still able to react to problems within the very same day. Working with insurance claims as we do, we encounter all different types of jobs big or small, complicated or simplistic. Active Electric is always there to help us trouble shoot whatever electrical issues we face, and to help us provide a sound opinion and recommendation to our insurance partners and home or business owners. I can honestly say our company would not be where it is at today, without the strong partnership we found with Active Electric. As far as working relationships go, Brad and his team at Active Electric are an example of one of our very best partnerships. We look forward to working with them in the years ahead, and wish them nothing but continuous success in whatever future endeavors they encounter.  

 

                      

THANK YOU Richard Schofer for taking the time to share your experience and thanks Active Electric for truly showing you deserve the trusted status!

When we give the Thumbs up to a business IT MEANS something!


         

Check out his listing here in REGINA ELECTRICIANS on the Regina Directory of excellence!

 

Active Electric Trusted Regina Electrician share 10 Questions to Ask an Electrician Before Hiring

Active Electric are Trusted Regina Electricians and they get it right the first time, delivering all electrical services including installation, upgrade, and repair solutions.

Whether it's hanging a ceiling fan, installing a custom-designed landscape lighting system, installing a state of the art home theatre system or rewiring a commercial structure, or other electrical services, you can call Active they are here eager to help and no job is too small! Customer service is always their top priority and they should be your first call for a Regina Electrician! 

Active Electric are your TRUSTED REGINA ELECTRICAL EXPERTS

 

10 Questions to Ask an Electrician Before Hiring:

Asking these 10 electrician questions will help you find a qualified pro with the right experience and business practices for your needs.

Finding the right electrician can be as much a matter of safety as getting your money's worth, since electrical problems are among the leading causes of house fires. Electrical work must be done by the book-specifically, the National Electrical Code book-and follow all code requirements of your city's building department. Asking these 10 electrician questions will help you find a qualified pro with the right experience and business practices for your needs.

1. Are you licensed?

Electricians are required to be licensed in most states and municipalities, so don't consider one who isn't properly licensed. There are two basic levels of licensure: A master electrician has at least two years of professional experience and is licensed for both design and installation of electrical systems. A journeyman is licensed for installation only. In some areas, journeymen must work alongside masters.

2. Are you insured?

Certainly one of the deal-breaker electrician questions, given the potentially high liability for this work. Electrical contractors should carry at least $500,000 in liability and workers' compensation insurance.

3. Who will perform the work?

Don't assume the person you talk to will be the one doing all the work. Ask about the hourly rates for different qualifications (master electrician vs. journeyman/apprentice, or any combination of workers). If you feel your job requires a master's expertise, discuss this up front.

4. What special training/experience do you have for this kind of work?

This should be one of your electrician questions if your project calls for specific expertise, such as installing voice/data cabling, home automation systems or solar equipment. Even if another contractor handles the specialty stuff, it's helpful if your electrician has experience working with those systems and protocols.

5. Will you provide references (for past jobs similar to mine)?

References are particularly important for hiring electricians; it's hard to judge the quality of their work when you can't see most of it and don't really know what to look for (see item 10 for tips).

6. What does your estimate include?

In addition to pricing structure, be sure to discuss incidentals, like repairing drywall and other things affected by the electrical work. Chances are, you'll be responsible for them.

7. Do I need a permit? Who will obtain it?

A permit ensures electrical work will be checked by a city inspector-an important safeguard for homeowners. It's standard for electricians (not homeowners) to pull permits.

8. What kind of work do you do most?

Like many contractors, electricians often specialize in one area or another. As an example, if your project involves finished spaces, look for someone who specializes in remodels as opposed to new construction.

 

9. What will you guarantee/warranty?

Learn how well a pro stands behind his work. Also be aware that electricians typically assume responsibility for fixtures, devices and other equipment they buy for you through their professional accounts.

10. May I see a work in progress?

Depending on the nature of your project, it might be helpful to visit an electrician's current job, for a behind-the-scenes look at his work. In general, you're looking for evidence of orderly, methodical installation: neat cable runs near the service panel (breaker box), clear labeling of circuit breakers, regular anchoring of cables, switch boxes that sit squarely and finish flush to the drywall surface, etc.

Like a plumber, doctor and auto mechanic, a trusted electrician is a valuable member of a household maintenance team. As you cover your list of electrician questions, listen for a panel-side manner; you want someone who explains what he's doing and why, and who will help you understand the essentials of your system (or as much as you care to know). Ideally, the electrician you hire now will be a good source to call for emergencies and other projects down the road.  

 

 

Check out his listing here in REGINA ELECTRICIANS on the Regina Directory of excellence!

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