Chris Worby a Trusted REGINA FINANCIAL EXPERT provides a Trusted Tip on Cycling and Financial Planning!

18. Sep 2012 Trusted Regina Regina Financial Services, TRUSTED TIPS

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!

How is financial planning like bicycle racing?

I follow bicycle racing pretty closely and one of the first things that surprised me was how much of a team sport it is. Every team goes into it with a strategy, there are support racers who bring water and food up to the racer they are trying to see win, these same guys cut the wind and allow the eventual winner to 'draft' off of them.

This got me thinking about financial planning. While some investors try to 'go it alone,' wise people engage the skills and knowledge of people around them. In the same way that a team will have a strategy, I have a plan with my clients based on goals and time frames that they provide. I think information is like food and water; if you have it, it will sustain you even when the going gets tough. And the more sources for these things you have the better. I notice that many times I have access to more of it than just the newspaper and business channels. And then there's drafting. If you can be behind someone with access to more information and an ability to stick to the plan, it can make the going way easier. The last thing I noticed is that when a team racer wins, everyone on that team celebrates. Sometimes you'll see someone crossing the finish line with their arms raised in victory 20, 30 places behind the leader. Then you notice their jersey and realize that a team win is for everyone.

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

TrustedRegina Partners are committed to supporting the local community -The Penny Project

10. Sep 2012 Trusted Regina Trusted Partner News, Website

www.trustedregina.com is committed to giving back to the community and Trusted directories parent company S & E Trusted Online Directory has donated over $18,000 so far to local non-profits since www.trustedSaskatoon.com launched May 31st, 2012 ..this is a large amount for a small home-based business just into its 2nd year of business...but the Trusted team believes it is the right thing to do and we are committed to continue to give generously always..and to help the people of the cities we service- that why we are the only directories that work for you ..all of you!

Our Trusted Regina Partners as a group seem to have the same idea and many have made many small, large and ongoing commitments to hundreds of small local non-profits in Regina and Saskatoon as well as some of the larger fundraising initiatives going on that get a lot of media attention...the big one in Regina right now is for Habitat for Humanity Regina - which is close to our Trusted founder Sara Wheelwright's heart, as the $1000 Trusted committed to the Womans Build was the first Trusted Regina donation ever ( read the blog here )!

This time Habitat has partnered with Newstalk 980 CJME for a Habitat build.

The Penny Project

CJME has teamed up with Habitiat For Humanity to make the soon-to-be expired pennies REALLY COUNT! We have a goal of collecting 10 MILLION pennies from Regina and surrounding communities!

10,000,000 Pennies = $100,000 = A HOME for a Regina Family in need… We Need YOUR HELP! Make your pennies count!

You can drop them off in the barrels located any Trusted Regina Partner location below!

If you have LOTS of pennies to donate, and want NewsTalk to come pick them up for you, they’ll be happy to! call and they’ll make arrangements to come grab them!

No pennies, but still want to donate? Visit Newstalk and sponsors at one of the following locations with your $5, $10 and $20's and make your pledge!

THE PENNY PROJECT! It Just Makes Cents !

Thats ANOTHER reason to choose a www.trustedregina.com business- they CARE about THEIR community

....and that another reason they have been .....

Trusted Regina Electricians at Active Electric Share a Tip on Surge Protectors

3. Sep 2012 Trusted Regina Regina Electrician, TRUSTED TIPS

Active Electric are Trusted Regina Electricians and they get it right the first time, delivering all electrical services including installation, upgrade, and repair solutions. In their latest Trusted Regina electrician tip, they share info on surge protectors

Electrical Tip on Whole House Surge Protectors

If you are like most people, you probably have a few power strip surge protectors throughout your house to protect your home from power surges. Unfortunately, most provide little to no protection against power surges. What causes power surges? Lightning, problems with the utility company’s equipment, large appliances cycling power on and off, faulty wiring, and downed power lines are just a few things that cause power surges. What is at risk? All items that have a microprocessor are at risk during a power surge. This includes items like televisions, computers, refrigerators, washers, dryers, ovens, alarm systems, microwaves and telephones.

It is amazing how many items in your house actually need to be protected from an electrical surge. If an electrical surge were to occur today, how much money would you stand to lose? Wouldn’t it make sense to have ONE surge protector that would protect your entire house?

It’s a wise decision to be prepared before the next electrical surge hits your home. Get a whole-home surge protector that will protect not only your power lines but your cable and telephone lines. If you protect yourself from a power surge at the source you will experience benefits like:

Saving Time and Money – After an electrical surge, all your neighbours will be spending time calling electricians to come out and replace the microprocessors in all their electronic devices. Your neighbours will have to shell out countless dollars to replace electronic devices that no longer function. But, if you have a whole-home surge protector you will be able to sit back, relax and be secure in the fact that once the power returns, all your expensive electronics will return to normal.
Insurance for Your Electronics – Whole home surge protectors provides inexpensive insurance compared to the cost of replacing all your electronics. Sales Point Advantage - Differentiate your house from all the other houses on the market. It’s an inexpensive way to make your house stand out from the competition. This is a great feature for home builders as well. This could be the attention to detail the buyer is looking for.
Peace of Mind – You can relax the next time a lightning storm occurs or the next power surge takes place in your area. You can rest assured that your electrical devices are protected. It only takes seconds to destroy countless expensive electronic devices, so don’t wait until it is too late!

Note: To protect yourself from surges that originate within the house, it is a good idea to take extra precautions and continue to use power strip/surge protectors for extra sensitive or expensive devices.

Chris Worby a Trusted REGINA FINANCIAL EXPERT provides a Trusted Tip on RRSP's

6. Aug 2012 Trusted Regina Regina Financial Services, TRUSTED TIPS

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 Trusted Regina Tip

RRSP deadline is March 1st, right?

Simple answer – yes. But should it be?

According to this article: there is evidence to support investing on October 28th. Some years it works out, some years it doesn’t. But if you average it out, it’s probably the best way to go.

I often have clients do the monthly purchase for convenience and for something called ‘Dollar Cost Averaging’ during which a regular purchase buys units at whatever the price happens to be that day – averaging it out over a period of time often means you’ll have paid less per unit than the average cost over that same period of time. But a lot of people also have lump sums they like to do just in time to get the tax break. If this is what you are doing, it can be argued that March 1st is not a great time to invest and maybe a little forethought could result in a greater rate of return.

Just because you have a deadline, doesn’t mean you should aim for it!

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

Trusted Regina Electrical Experts at Active Electric tip on Energy Efficiency

25. Jul 2012 Trusted Regina Regina Electrician, TRUSTED TIPS

Active Electric are Trusted Regina Electricians and they get it right the first time, delivering all electrical services including installation, upgrade, and repair solutions. In their latest Trusted Regina electrician tip they share tips to conserve energy.

Looking for Ways to Save Energy?

More and more consumers are switching to energy-efficient electricity. They want to make smart decisions when it comes to installing their home with appropriate energy-saving devices. By making the switch you not only save yourself money, but you help save the environment from toxic fossil fuel pollution and help to create a more secure energy future for America. It can be a challenge to determine the best steps to take in order to yield the greatest benefit in your home.

Lighting Dimmers and Timers
Conservation is good for everyone.
Power Consumption Meters:
A Power consumption meter measures how much energy each appliance consumes to help you find ways to cut back.
Wireless Lighting Controls:
Reduce unnecessary energy consumption by controlling your lights with dimmers, programmable light switches, automatic lights, sensors and timers.
Solar Energy Systems:
Reduce your overall home energy costs, qualify for state and federal incentives, and become more environmentally friendly by installing a solar energy system in your home.

TOP FIVE REASONS TO CONSERVE:

1. Reduce your heating and electrical bills.

2. Reduce water, air and soil pollution. This will not only help the environment but protect your children and your grandchildren from chemical pollution and disease.

3. Reduce greenhouse gas emissions. This will help reduce the effects of global warming on our environment.

4. Decrease North America’s energy dependence.

5. Decrease need for fossil fuel, oil, coal, propane, and natural gas. With less of a demand for these types of energy we will be on our way to cleaner more responsible energy use.