Trusted Regina Blog | All posts by saraw

Trusted Regina Financial Advisor Chris Worby talks about Household Finances and the 25 % rule.

2. Aug 2016 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!

Expert Financial Advice Regarding Household Finances.

The truth is that financial management is boring. I mean, it sounds interesting when you watch movies and they’re yelling, “Buy, Buy! Sell, sell!” But this behaviour does not make you rich – in fact, it can have the opposite effect.

Smart people understand one thing – tactics do not win the battle, logistics do. And one of my best pieces of advice is the 25% rule.

It essentially breaks down like this: If you want to attain financial security contribute 25% of your net monthly income towards your net worth. It is very important that financial security has very little to do with being ‘rich’ but everything to do with having the resources available to have options throughout your life.

Net worth is composed of two things: Assets and Liabilities. I think of liabilities as the hole requiring filling and think of the assets, as the mountain you build with your resources.

A few notes about each. Paying down credit cards does not fit into the asset/liability described above. Credit cards are consumption. If you have already made errors and are carrying balances, then you need a plan to pay them down and it can be worked into a liability repayment plan. However, further credit card debt becomes consumption rather than a liability.

Big expenses – trips, renovations, etc. should be paid for with funds that have been saved in advance; they should not be financed. The reasons are many. First, once you start down the ‘financing fun’ road, it can be hard to maintain discipline. Second, a trip paid for and fully funded is less stressful. Third, something you pay for as you go tends to be better planned out and fits your budget – and studies show that planning your spending is almost as fun as the actual spending.

Building assets is then the ‘exciting’ part, right? “Buy, buy, sell, sell” and all that. Actually, it is very hard to get rich quickly and fairly easy to get rich slowly. Using pension plans and RRSP, TFSAs and RESPs to accomplish your family’s plans can be done well over time but the ‘get rich quick' schemes rarely work out.

Find a strategy you are comfortable with and run it as a discipline. If you are going to buy and hold, never deviate. If you are going to move with certain market cycles like a momentum system, or act as a value manager, do this and never change it. Make sure you do your homework upfront to get a working system and then never change. Mistakes in investing come from emotion.

But none of that happens without a strategy – and the spending strategy that works best is using 25% of your net, monthly income to build your net worth. Not only do you have funds available to build assets and pay down liabilities but you also create a buffer in case something bad happens. You aren’t living at capacity with your finances, you have options.

And that is financial security.

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!

Invisible Fence Brand of Saskatchewan Trusted Regina Pet Fencing Solution Explains Their System

23. Feb 2016 Trusted Regina Regina Pet Store, Regina Vets & Pets, TRUSTED TIPS

Invisible Fence® Brand systems Saskatchewan are invisible boundary systems for your yard and home! It keeps your pet out of harm's way and prevents unwanted behaviours throughout your home and yard. The systems are safe, humane, and highly recommended by Veterinarians, Behaviorists, and pet experts. Invisible Fence Brand Of Saskatchewan -Your Trusted Regina Pet Fence and Containment Experts.

Over the last 40 years, they have helped more than two million pets and their owners lead safe and harmonious lives together, and their exclusive training program allows dogs and cats to learn their boundaries without fear, distress, or behavioural harm. Their proven P.E.T. Approach™ training method ensures the success of their products every time, with any pet, and in every household. The result? An unparalleled success rating (over 99%) and the most effective solutions in the industry! Freedom and convenience for you & your pet.

How Does The System Work?

The GPS system is installed using a computer with no wire to bury.
Your pet’s perimeter boundary can be customized to any shape and there is no maximum size limitation.
Your pet's GPS mobile collar utilizes data from a network of 32 GPS satellites to ensure your pet stays within the established boundaries.
A safe and effective static correction helps condition your pets to areas that are safe to roam and areas that should not be entered or crossed.
Using our exclusive technology and rules for different pets, you can protect any number of pets and can design different boundaries for each pet.
We will work with you to design your system and train your pets while educating you on the system.
There is a NO risk guarantee or your money back.

Can This System Harm My pet?

Invisible Fence does not harm your pet. The GPS system ALWAYS allows the dog to run back into the yard without being corrected. This is one of the many reasons why Invisible Fence Brand is so superior to anything else out there. No one else has this technology. And if I have done my job correctly in the training of your dog, along with this technology, your dog will never leave its set boundaries.

Many people are under huge misconceptions about what Invisible Fence does. Technology and training have evolved so dramatically over the years. Invisible Fence is the only company out there that has an entire panel of Ph.D. Animal Behaviorists that support Invisible Fence Brand technology and have designed an entire training protocol that we had to learn as dealers/trainers to put into practice when training a dog to an Invisible Fence. The dog does not get shocked as so many people think, it is static. It is kind and gentle. Our dogs get excited when they see their collars because they know it means that they have freedom with no more tie-downs.

For all of your invisible boundary needs, the Invisible Fence Brand of Saskatchewan is here to help! Contact them today!

Invisible Fence Brand Of Saskatchewan -Your Trusted Regina Pet Fence and Containment Experts

Trusted Regina receives a negative Google review from Trevor

10. Dec 2015 Trusted Regina Trusted Partner News, Trusted Regina Directory , TRUSTED TIPS, Website

The Trusted Regina directory team really care about the opinions and thoughts of YOU, the Regina public. WE work for you by finding the best locally accountable Regina businesses and promoting them as a community. We do this so you can find trustworthy companies really easily. We are just like you, and we have been burned in the past from disreputable companies who over promised and undelivered, in fact the founder Sara was ripped off and this prompted her to start Trusted!! ( read the story here)

The internet has really been a game changer for consumers and for businesses. On the positive side it means we can research companies and products much easier BEFORE we contact them, saving us time.....but what if you read reviews that are bias, misinformed or simply not the truth?? We have supported Trusted partners through this process and tried to guide them in how to deal with this sometimes devastating process, it’s something that most local businesses really do fear.

This time it is our turn.....Trevor took the time to leave a review for The Trusted Regina team today, so we wanted to make something positive out of a ‘ negative situation ‘ for the Trusted team. Read his review and our founder Sara Wheelwright’s response below.

We truly thank Trevor for allowing us an opportunity to speak about what we do , and hopefully explain that we are indeed the REAL DEAL, also this allows us the opportunity to use our experience to highlight one of the biggest things local and big businesses are having to deal with! Words are powerful and we all have a voice online, please be informed, be nice and be wise in how you use that voice.

Response from Sara

Trevor- firstly thanks for sharing your thoughts with us and giving our team a chance to explain to you who we, what we do and why we are set up the way we are.

Firstly a business does't pay to be Trusted - they qualify to be Trusted after passing a strict verification process ( pass or fail) and signing an annual contract to uphold a specific standard and set of guarantees. We welcome feedback and you can contact us by phone, email or on our many social media pages . We are a local team with offices in Regina and Saskatoon.

We are not a ' review company ' you are correct - they are 10 a penny all over the web, most reviews online are not verified in any way. In addition evidence and data clearly proves that up to 40% of all reviews are false . Also, we know that many people who review businesses negatively are not interested in solving issues , but just use these review sites to complain. This can really effect local businesses who would otherwise have worked hard to rectify any wrongs they may have done! No one is perfect are they?

At Trusted - we are unique- the testimonials you see displayed on the feature listings are from real people that we spoke to personally as part of the verification process- we contact 25 previous clients and survey them in person and over the phone.

( See an example below)

We work with the businesses over the year - helping them with service questions, sharing info from the public, training them about the internet and social media and supporting their endeavors by promoting them as wonderful local companies that meet our high standards and believe in what we stand for. However who we really work for is YOU - the public. We also mystery shop a random selection of the businesses to check that they are doing a great job when they don't know we are looking!

If there are issues - We offer a hands on dispute resolution process that determines if the business has broken their contract with Trusted - if we find they have, we give them the opportunity to rectify their mistake - if they do not we remove them from the Trusted website(s) - we speak to both parties on the phone, on email and in person to ensure we know all the facts before making our decision.

The businesses pay an annual membership fee which is minimal, from that we invest heavily in marketing to promote them as a community. How else do we let people know about our service in the cities we serve? Also, of course our hardworking local team are compensated for the countless hours we put into providing the best possible on and offline experience for the public and the partners.

If you wish to complain about any Trusted business , you can contact us via any of the ways mentioned above and we will be happy to offer assistance, advice and even mediation if you feel you need it?

However by just reviewing Trusted negatively, like you have today with out truly knowing who we are and what we do, means you are again solidifying to our team that review sites are not what we ever want to be ...We offer a local service that is specialized, unique , personal , locally focused , accountable and absolutely trustworthy .

Many thanks again for the opportunity to educate you and any others that may have been feeling the same way. We hope you reconsider you 2 star review of our services, we would love nothing more than to be an asset in your life!

Sincerely on behalf of my team and the Trusted Partners across SK .

Sara Wheelwright , Owner S & E Trusted Online Directories

Robert MacKay Trusted Regina Real Estate Lawyer shares Pilot Butte homeowner legal issues

8. Sep 2015 Trusted Regina Regina Lawyers, Regina Legal & Professional Services, Regina Real Estate, TRUSTED TIPS

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 and 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 and McLean are TRUSTED REGINA LAWYERS

Pilot Butte homeowner considers lawsuit over backyard drainage ditch:

REGINA – Stephanie Gabber’s excitement over buying a new home in Pilot Butte quickly wore off when she tried to develop her backyard and found a drainage ditch running through the property.

“Had I known, I would never have bought here, ever,” she said.

Gabber bought the home in May. She planned to put up a fence and lay down sod. When she started the work, she was told to stop because it would interfere with the easement.

“I bought it (the property) so my dogs could play, my kids could play. That’s not what I have.”

Gabber said the easement wasn’t disclosed to her before buying the property.

The town said it’s a registered land title, but admitted to a discrepancy with Gabber’s property lines on the Saskatchewan Land Surveyor’s Real Property Report.

Water works manager, Chaun McCurdy, said the town is moving the ditch one meter closer to the edge of her property, but unfortunately that’s the best they can do.

“Without it there to catch that water and direct it away, it will eventually go and fill up other people’s backyards,” said McCurdy.

Robert MacKay with MacKay & McLean Barristers & Solicitors said the situation highlights the importance of having a team in your corner when buying a home. That includes a realtor, lawyer and mortgage broker.

“There’s a lot going on in a transaction and it could be easy to miss,” said MacKay.

He also recommends homeowners always invest in title insurance.

“If you have this old survey and got a newer one that says the easement is here, but it should be here, what does that do to the fair market value of your property? Well, with title insurance you may have a claim,” explained MacKay.

However, Gabber is prepared to go a step further and file a lawsuit against the municipality of Pilot Butte.

“I’m stressed beyond belief. Mentally, it takes a toll. Financially, it takes a huge toll.”

McCurdy said he’s spoken to the land developer and home builder to ensure anyone buying property in the new development is fully aware of the easement.

Robert MacKay's team provides professional, personalized service and with their assistance, you can rest assured that your real estate transactions will be handled with the utmost consideration and care.

They provide a full range of legal services including:

Real Estate & Mortgages
Wills & Estates
Family Law & Divorce
Commercial & Corporate Law
Litigation & Personal Injury

Mackay and Mclean TRUSTED REGINA LAWYERS!

Trusted Regina directory team share a real testimonial from a happy client

8. Sep 2015 Trusted Regina Regina Insurance, TRUSTED TIPS

The Trusted directories were set up based upon the principles of good business, and the foundation of good business is integrity. Simply put, if you don't care about your customer's needs as a business then you will never be trusted.

When Sara the Trusted founder came up with the ' Trusted directories concept ' she wanted to have clear, simple guidelines or ' guarantees' laid out for all to see, and she knew it was important for the Trusted partners to sign contracts to uphold those guarantees (and for the partners to be held to them by Trusted).

Read The Trusted Guarantees here

On a regular basis, we get feedback from YOU the public when they have used the directory to find a Trusted business and we like to share it with you ..here we document some real words from a REAL customer about one of our partners on the directory.

I have always found them to be very knowledgeable and helpful. They always understand what our needs are and are more than willing at anytime to come out and do a review to ensure that our insurance needs are current. As a non for profit organization we occasionally have fundraising events and they always try to assist us with these events. Their sense of community is most appreciated.

Regards, Debbie Deuasy

THANK YOU Debbie for taking the time to share your experience