Trusted Tips and Resources

Trusted Tips & Resources

CONGRATULATIONS Al Schick Construction - Trusted Regina Contractors and Renovation Pros For Over 10 years!

CONGRATULATIONS, AL SCHICK CONSTRUCTION - CELEBRATING 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. We recognize the partners that joined us 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 Al Schick Construction, Trusted Regina Contractor, and Regina residential renovation pros. 

'A Regina General Contractor You Can Trust

AL SCHICK CONSTRUCTION 


Al Schick has led the way in the residential construction industry in Regina for quality, integrity, and service. More recently, his son Les Schick joined the business, and the standards have remained outstanding!   




A HISTORY OF EXCELLENCE AS STANDARD


Al Schick Construction is a local family-owned and operated Regina renovation company. Al Schick has many decades of renovation and project management experience. His reputation in Regina as a contractor is second to none. Al learned the construction business from the ground up, and he is a sought-after project manager who prides himself on the quality of the work his team produces! 

Construction runs in the family, and Al has passed on his knowledge & skills to his son Les Schick. Les has helped out in the business since he was a teenager, and more recently, he decided to join the company full-time. 

Al Schick Construction specializes in residential and smaller commercial projects in and around Regina, Saskatchewan. If you need interior and exterior renovations on your office or home, they are experienced Trusted Regina contractors.

Are you planning to renovate a specific area of your home or business? Look to the Regina renovation experts at Al Schick Construction to get the job done right the first time! Check out the list of contracting services they offer here: services

Al Schick has only recently got a website built; he was busy enough without one. The new website was developed and produced by our sister company, Trusted Marketing Services. There you can see plenty of examples of Al and Les's past projects, testimonials, and customer feedback. The reviews are consistently excellent because Al is always in pursuit of excellence!

QUALITY WORK, ON TIME, ON BUDGET & WITH OUTSTANDING SERVICE! 


What Their Clients Say...


"On a scale of 1-10, Al Schick gets a 10 plus! He is a man who is clearly respected by the sub-trades that work for him and is more than wonderful to work with. He went above and beyond what was expected. Al is cooperative, accommodating and great at helping find solutions to fix problems. We will always recommend him as in my opinion there is no one else quite like him. We had a deadline and miraculously he was able to meet it. He absolutely upheld all the trusted guarantees and some. We are truly thankful for Al and his team"  - Martha.O. Regina, SK.


" Al is first class all the way! We had a basement renovation completed by Al as well as an extremely complicated garage added to our home. I would give a 10 out of 10 rating on every aspect of his integrity as well as 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. Regina SK.


A Word From Al


"We offer our customers the same personable, friendly, trustworthy & professional work that we have since the beginning. As compared to other, larger companies we get to know you, the client, as a person and not just a number. We cater to what you want and what you need,  and our goal is to help bring your vision to life. " Al Schick 

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. 
More recently, I was thrilled that I was able to talk him into having a website - I said "Al it's time you showcased what you do and you make it easier for people to find and check you out before contacting you." - I am glad that he trusted me once again, and I am so pleased with how the website and his new branding and logo turned out. 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.  

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. 




Ready To Retire? Trusted Regina Financial Advisors at Worby Wealth Management Share Their Advice

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 & Jeremiah Worby will do their 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 Advisors Chris & Jeremiah Worby of Worby Wealth Management help you live your dream!

Expert Financial Advice Regarding Retirement.



Retirement Considerations


One of the biggest financial questions on everyone’s mind is whether or not they will have enough money to retire?  Not only do savings and investments need to be taken into the equation, income and expenses also need in-depth analysis.

 

Income*

 
Old Age Security (OAS)


The OAS pension is a monthly pension payment payable to eligible individuals.  OAS pension benefits are considered taxable income. To be eligible for full payment, you must:

• be 65 or older

• be a Canadian citizen or legal resident of Canada at the time of application approval

OR

• if you no longer live in Canada (a non-resident), you were a Canadian citizen or legal resident of Canada on the day preceding the day of departure from Canada

• have lived in Canada for a minimum of 10 years (or 20 years for non-residents) after reaching age 18

Individuals who have lived in Canada for 40 years after the age of 18 are eligible for 100% of the OAS pension benefit.

 

 

Canada Pension Plan (CPP)


CPP program benefits, except for the death benefit, are indexed annually for increases in the cost of living.  In order to receive CPP program benefits, eligible individuals must apply.  Benefits are not automatically paid once someone reaches the age of eligibility.  Applications are accepted via two methods; online through the My Service Canada Account, or via paper forms mailed to the applicable Provincial CPP office.

You can start receiving CPP as early as age 60 (at a reduced rate) and as late as age 70 (at an increased rate).  The maximum CPP payment in 2022 is $1,253.59 a month.

 

Tax Free Savings Account (TFSA)

The tax-free savings account (TFSA) provides a way to earn investment income tax-free.  Whereas other registered accounts allow the deferral of tax on income earned within the plan; the TFSA is unique in that any investment income earned within the plan is tax-free when it is withdrawn.  In order to open a TFSA account, you must have reached the age of majority, defined as age 18 or 19, for the province or territory in which you live.  The types of investments permitted in a TFSA include cash, mutual funds, securities listed on a designated stock exchange, guaranteed investment certificates (GICs), bonds, and certain shares of small business corporations.

The annual TFSA dollar limit was established at $5,000 in 2009, the year that TFSAs were introduced as a registered account.  Any unused amounts are carried forward to future years.  The $6,000 contribution room for 2022 means the lifetime contribution limit is now $81,500.

 

Registered Retirement Savings Plan (RRSP)


A registered retirement savings plan (RRSP) is a type of registered savings plan set up underthe Income Tax Act and registered with the Canada Revenue Agency.  An RRSP is not an investment; you cannot buy an RRSP. Instead, an RRSP is a registered investment vehicle within which investors can deposit various types of investments.  In order to contribute to anRRSP, an individual must have earned income.

The growth of money invested inside an RRSP is not subject to tax until it is withdrawn.  In other words, the tax payable on investment growth is deferred until the future.  Since income earned inside an RRSP is tax-sheltered, RRSP investments grow much faster than non-registered investments held outside an RRSP.


Find out more

Whether you’re 30 years away or just a few months from retirement, proper retirement planning is essential. Contact Worby Wealth Management to start planning your retirement today.

 

*Source: Canadian Investment Funds Course




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!



Trusted Regina Lawyers at MacKay & McLean Share the Law Around Domestic Violence and Best Interests of the Child.

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 is a  TRUSTED REGINA LAW Firm. In Mackay & Mclean's latest legal tip they provide helpful information about the family law about domestic violence and the duty of care to children.  

Family Lawyers at MacKay & McLean Barristers & Solicitors Share the Law Around Domestic Violence and the Best Interests of the Child. 



In our latest Trusted Regina Legal tip, we share information on domestic violence and the Children’s Law Act when considering the best interests of the child.


On March 1, 2021, The Children’s Law Act, 2020 (the “CLA”) came into force. The CLA amended the criteria for the best interests of the child analysis, directing the courts to more effectively consider family violence as a factor when determining decision-making responsibilities and parenting time.

The relevant sections of the CLA for determining an appropriate parenting order are sections 10(1) through 10(4), which now specifically require the court to take into consideration any family violence including the nature, seriousness and frequency of violence, the harm or risk of harm to the child and the pattern of this behaviour, amongst other factors. 

Allegations of domestic violence are present in a significant number of applications before the court. However, more often than not, the alleged abuser categorically denies the allegations. The issue of who to believe and what weight to attribute to the allegations has been a common issue in family law. With the new amendments to the CLA, these issues are, once again, front and center.

Since the CLA came into force several cases have come before the Saskatchewan Court of Queen’s Bench addressing this issue. In Juraville v Armstrong, 2021 SKQB 73, the mother and father both alleged physical, verbal, emotional and sexual abuse at the hands of the other and denied, absolutely and completely, the version told by the other. Mr. Justice Megaw performed an in-depth analysis of how the court considers contradictory evidence of domestic violence in light of decision making and parenting, stating:

 

The real question, therefore, is not whether particular events, or any events, did or did not happen. Those may be determined in a trial, or they may remain undetermined. The focus of the court now must be on, and remain on, the best interests of these children and how to safely structure parenting in view of what is being alleged. The allegations of violence and abuse must, of course, be considered in determining these best interests. Such consideration is done not from a perspective of punishing the alleged abuser, or any party. It is important to keep in mind, by addressing the allegations of violence and abuse and by inserting protections, the court is not to be seen as having made findings of fact regarding these allegations.
 

Ultimately, despite the significant allegations of domestic violence, Mr. Justice Megaw determined that the concerns regarding allegations of violence could be addressed by ensuring the parties did not interact on a personal level and that the evidence did not support a conclusion that the children’s best interests would prevent parenting time with either the mother or father.

In a similar decision, DW v EO, 2021 SKQB 157, both parents alleged domestic violence was inflicted by the other and adamantly denied they were the perpetrator of any abuse. Despite the allegations, Madam Justice Richmond determined that it was still in the child’s best interests to have a shared parenting arrangement to facilitate the relationship between the child and both parents. This, despite the fact that both parents alleged family violence, demonstrated an unwillingness to cooperate with the other regarding the care of the child with violence and arguments continuing to occur in front of the child and a high level of anger and animosity towards each other.

While it is now a legislative requirement through the CLA for the court to consider domestic violence when analyzing the best interests of the child, it is still only one of many factors for the court to consider in a highly subjective analysis. Based on recent case law, the presence of domestic violence, particularly where the violence has not been inflicted on the child, appears to have minimal impact on the best interests of the child analysis.


Robert Mackay and the team at Mackay & McLean offer a variety of legal services and are able to represent you in a variety of situations that require counsel. In addition, they offer a free initial consultation. Trusted Regina Lawyers, based in Regina Saskatchewan, specialized in real estatecriminalpersonal injurycommercial & family law.

See more legal tips from Mackay & McLean here 




Trusted Regina Shares 6 New Year’s Resolutions for Every Homeowner



6 New Year’s Resolutions for Every Homeowner


Lately we have been spending much more time in our homes than usual. With homes and finances at the forefront of many household conversations, here is a list of 6 things you can do to improve both your home and your finances. 

Pay Off Your Non-Mortgage Debt FIRST!

The general rule of thumb is that you should focus on paying off higher-interest debt before lower-interest debt. You may be paying a higher rate on a credit card or private student loan than on your mortgage, so you'd benefit more by paying those off early.

Don't pay so much toward the higher-interest debt that you risk defaulting on mortgage payments. Yes, credit cards can be expensive, and the issuer may take legal action if you default on card payments. But defaulting on mortgage payments can be an even bigger risk because you could lose your home.

Build A Realistic  Emergency Fund

Owning a home comes with many responsibilities and expenses, some that you can plan for in advance, like property taxes, and some that just pop up unexpectedly. If you haven’t already started saving for those unexpected expenses in an emergency fund or rainy-day fund, the new year is a great time to start! Saving any amount is beneficial in an emergency, but about 3 to 6-month’s salary is usually recommended. A high-interest savings account is a good place for your emergency fund. You’ll still be able to earn interest on your savings, and it’s not entirely locked away in case you need to access the funds quickly.

For some people, work-from-home measures may be in place indefinitely. The lines between your personal and professional life may be blurred during this time. The best way to keep firm boundaries is by trying to maintain a similar routine to when you’re in the office. Ensure you set boundaries to limit overtime work, always take breaks throughout the day, and log off your work computer at the usual end of the workday.


Make Your Home As Energy Efficient As Possible

We live in Saskatchewan, so there's no avoiding heating and cooling costs, and they will only rise as time goes on. Whatever you can do to make your property more energy-efficient is a worthwhile investment! It also makes it more attractive when you decide to sell. 

For tech-savvy homeowners, making your home more energy-efficient with smart thermostats or programmable LED lights can be fun! Even if technology isn’t your thing, minor fixes around the house can help make your home more energy-efficient and save you money. Here are a few things to add to your list:

  • Seal all air leaks around windows and doors
  • Use cold water or energy-saving settings for washing machines and dishwashers
  • Unplug devices and appliances when not in use
  • Lower your thermostat while you’re away from home or in less-used areas of your home
  • Install a low-flow showerhead
  • Opt for energy-efficient window treatments like honeycomb shades

Make Your Home A Space You Love 

Starting off the new year ( or a new week! ) in a clean, organized space is a huge mood booster. With many people working from home now, organized space can also help your productivity. While there’s no right or wrong way to declutter and organize your home, one useful method is to work by room to make the task more manageable. Look at everything you have and split the items into three piles: Keep, Donate, and Toss. Perhaps you could read Marie Kondo's book The Life Changing Method of Tidying Up, she is a Japanese professional organizer with a simple method to declutter your life, from clothes to books to knickknacks. She wants you to answer just one simple question when it comes to any of the items in your house:

Does it bring you joy?

If you answer yes, you keep the item. If you hesitate or say no, you donate it or throw it out. It’s simple, it’s brilliant, and it’s completely intuitive. 

Once you’ve decided what’s staying, you can make sure everything has a designated place to keep things tidy in the long run.

Start A Household Maintenance Checklist 

As with most New Year’s resolutions, it’s easy to start the year off strong, but as time goes on, it may become more challenging. Set yourself up for success and stick to your home goals by creating a household maintenance checklist. Create a recurring calendar reminder so you never forget to handle tasks around the house. For example, set a reminder to change your HVAC filter every three months or clean your eavestroughs twice a year. Proper home maintenance is a good way to prevent having to pay for home repairs over time.

Plan To Pay Off Your Mortgage Sooner

Depending on how much you still owe on your mortgage, paying it off may be daunting but don’t be discouraged. Even small steps now can help you become mortgage-free sooner. Start by increasing your regular payments. For example, instead of purchasing a takeout dinner, put that extra $50 towards your monthly mortgage payment. Keep that up for a year, and you’ve already put an additional $600 towards your mortgage and, over five years, an additional $3,000.

Another simple way to pay your mortgage off faster is to put any additional or unexpected income towards your mortgage. That can be anything like funds from a tax return, a bonus from work or inheritance. Before you make any pre-payments, double-check your mortgage pre-payment options with your mortgage lender so you don’t exceed your allowable limits.



WINMAR® Trusted Regina Disaster Service & General Contractor share how they are making a difference.

WINMAR® Regina performs restoration services for residential and commercial properties across Saskatchewan. Our crews offer prompt and professional services to help our customers get back to pre-loss life with the least amount of interruption and associated costs as possible. . They are the Regina property restoration specialistsWINMAR IS A TRUSTED REGINA DISASTER SERVICES & REGINA GENERAL CONTRACTOR. In their latest tip,  they share how they are making a difference. 



WINMAR® Regina Making a Difference.



WINMAR® is dedicated to operating and growing our business as a responsible corporate citizen, committed to our communities and to sound environmental management.

 

We’re committed to working towards smaller, fuel-efficient and alternative fuel vehicles and completing environmental assessments of our facilities and operations. Reducing the amount of debris sent to landfills is one of our focuses.

 

Working together with our industry partners and members of the restoration specialist community, we’re taking responsible steps to ensure the planet and its resources are healthy for the next generations.

 

Esporta® Cleaning System


The ES-3300 Esporta Wash System is more than just a washing machine. It’s an innovative washing system using a patented system of hydraulic pressure cleaning combined with environmentally friendly detergents to effectively disinfect soft contents. Esporta is used for numerous situations including fire/smoke contamination, sewage contamination and flood contamination. Shoes, outerwear and even sporting equipment can be rescued. Treasured family items that would have previously been destined for a landfill can be returned to their rightful place in your home.

 

Fireline Cleaning Equipment


WINMAR® is proud to implement the FIRELINE SYSTEM® for the processing of contents. This amazing new technology has changed the way hard contents and electronic items are restored. With the use of ultrasonic waves, items can be efficiently and economically cleaned. Valuable items like figurines, dishes, and silverware can now be safely returned. Electronics and appliances built with hard plastics that don’t break down are less likely to be sent to a landfill.


Our commitment for the future includes our Winmar Sustainability Policy. We use revolutionary technology that helps ensure your precious and personal items can be returned to their home where they belong. Not the landfills



WINMAR Regina's experienced and certified staff provide full-service restoration for all types of loss;

With their 24 hours a day, 7 days a week, 365 days a year service they always come through for you.


WINMAR IS A TRUSTED REGINA DISASTER SERVICES & REGINA GENERAL CONTRACTOR



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