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 provides a great tip on Timing:

As the market peaks and you make your RRSP decisions, here are two questions you should ask yourself about the advice you're getting:

1) Am I getting advice that would save me from a market drop?

2) Will I get advice on when to get back in?

If the answer to either is ‘no’ or ‘I don’t know,’ you should reconsider your source of advice. I am available for free portfolio evaluations if you are concerned that you aren’t getting good input.

There is more risk in the market than most people are aware of. Have a chat with me so you can be aware of it too.

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

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!

Time for Risk?

As we near the middle of the 2013 RRSP season, I have one piece of advice: take a look at downsizing your risk.

• Risk is for a time and place

• Markets move in cycles

• Get some help with figuring out where we are in this cycle

The interesting part of this cycle to me is that market is high again. The Dow Jones and S&P 500 are at levels not seen since before the crash of 2008. So here’s the question:

If we know the market high of 2000 was a bubble, and we know the market high of 2008 was a bubble, and we find ourselves in the same place today, what do we think this is?

It’s kind of the old, ‘If it looks like a duck and quacks like a duck…’ question. The next question though is if it’s a cycle and we do exit, when do we get back in?

I think a good exit strategy also comes with a good re-entry strategy. “When ‘x’ happens, we’ll do this.” It automates your ideas in advance, when you are rational and able to make a decision rather than when things are difficult and a person’s biases may come to bear on the process.

I heard it said well once, “Amateurs think about tactics, professionals think about logistics.” Make sure you’ve got a pro on your side!

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

HUGE announcement - the Trusted App created by Saskatoon's College Mobile (Trusted always want to support local) has been approved by Apple - download it on your iPhone and enter the contest to win $1000's of prizes over the next few months ! ( Android app coming soon!) - !!! Download here and enter to win ..or just got to he App store and search for 'Trusted' or ' Trusted Canada' and we will be there!!  

The www.trustedregina.com team had a wonderful time at the Regina What Women Want Show 2013....it might have been blizzard and freezing outside but inside we had almost TOO Much fun!!  The show was all about supporting LOCAL businesses and that is what WE DO...the ones WE know you can Trust!!  

We had $1000's of prizes to give away all donated by Trusted Regina Partners, a Big GONG ( that we banged every 2 hours all weekend when we picked a winner)  , a magician, balloons and so many giggles..the feedback from the public was amazing ..clearly we have something people like and appreciate! ( phew!!) .

Fan us on Facebook and follow us on Twitter as we always appreciate feedback and LOVE giving away prizes!!

Enjoy the video ...see if there is anyone you recognize ..and be sure to go to the show next year..as we are only going to be bigger and better!!  

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!

No school like the old school.

You know the old adage ‘Buy, hold, prosper?’

I prefer an even older one, ‘buy low, sell high.

- Buy and hold only works in certain market conditions -

Sell discipline is the hardest thing to have - Knowing what to do and when to do it pays!

 One of the problems with investing today is that interest rates are low. Another one is that the market seems to give some good gains for a while and then lose everything you got over the past few years. We call this kind of a market a sideways trading market and there’s only one way to make money in it: Buy Low, Sell High. This means doing the opposite of what everyone is saying.

When the complacency is high and people are chasing a little more gain, you need to sell. When people are scared and times are tough, you need to buy. This is where professional guidance can pay off the most. Having someone by your side, helping you make these tough decisions with a system of dependable signals can be invaluable and help you feel as though you are not adrift in the sea of the financial markets. And that’s why I call this old school investing. Nothing gives you gains like buying low and selling high.

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 and your Trusted Regina Financial planner

Trusted REGINA DISASTER RECOVERY SERVICES WINMAR  provides expert advice and world class service! They have certified consultants who are there for you 24/7 for  Mould remediation, disaster response services, fire and flood damage & restoration throughout Saskatchewan.

Why is a Shower Essential to Asbestos Abatement? 

Earlier this week,a news article reported that a woman died from mesothelioma after years of washing her husband and son’s overall’s which were contaminated with asbestos dust. When they came home from work, they brought the asbestos fibres with them and when she washed the clothes, she breathed in the fibres and eventually died from mesothelioma.

This is a sad story, but this is a reality that many workers and their families are dealing with throughout the world where asbestos is used on a daily basis. In fact, the WHO estimates that more than 100,000 workers will die of asbestos related diseases each year. The tragic part of this reality is the fact that these workers will most likely contaminate their homes with the asbestos dust, which in turn, will negatively impact the health of their families. Asbestos is scary because of the simple fact that it causes death and should be completely banned throughout the world!

The key to ensuring long term health if asbestos is found in a home or building is to ensure that professionals are hired to remove the asbestos. The term used is “asbestos abatement“, which simply means the process of removing or containing the asbestos so that the asbestos fibres can not become airborne.

The process of removing asbestos is exactly the same as mold removal with the exception that a shower must be set up to prevent workers from taking asbestos fibres home with them.

The first step is to take samples, which should be done by a professional who sends the samples to a lab for testing. Once it is confirmed that asbestos is present, then the abatement process can begin.

The top priority of an asbestos abatement professional is to prevent asbestos fibres from traveling freely in the air. For this reason, the next step after asbestos is confirmed is to set up a proper containment so that the fibres that do become airborne are not allowed to travel outside of the contained area. Once the containment is set up with negative air pressure, the process of removing the asbestos can begin. All contaminated materials must be disposed according to industry and geological standards and regulations.

Once all asbestos materials are removed, the air quality should be tested by a Third Party environmental consultant before any reconstruction begins.

To learn more about asbestos, check out these links.

What Percentage of Lung Cancers are Caused by Asbestos?

Saskatchewan, First Canadian Province, to Create Asbestos Registry

Canadian Asbestos Regulations

How Many People Die From Asbestos Each Year?

10 Interesting Facts About Asbestos in the USA [Infographic]

Renovating? Read This Message From Our President!

10 Interesting Historical Facts About Asbestos [Infographic]

ADAO – Asbestos Disease Awareness Organization

BanAsbestos.us

The Asbestos Epidemic in America

WHO | Asbestos: elimination of asbestos-related diseases

The Jig Is Up For The Asbestos Industry!

Canada’s Asbestos Industry Could End!

Elliot Lake, Ontario Residents Exposed to Asbestos Dust

Should I Be Concerned About Asbestos?

The Politics of Asbestos: Canada’s Ugly Secret

Quebec Pumps $58 Million into Certain Death

Why is Asbestos so Scary?

Got Asbestos?

Asbestos Removal and Abatement

Asbestos Is The “Ideal Carcinogen”

Winmar are your REGINA DISASTER SERVICE experts on the REGINA DIRECTORY of excellence.