Trusted Tips and Resources

Trusted Tips & Resources

Bergens Auto Body & Collision Centre your Regina Auto Body experts pass a Mystery Shop!

Bergens are a local family business and from the moment you walk in the door you will be treated like family!

Bergens Auto Body Regina  are proud to have an amazing 80 Years Auto Body Experience, and they have been serving Regina Auto Body needs for over 30 Years....they have a loyal customer base that simply wouldn't think of going anywhere else. Bergen's are an SGI Accredited Regina Auto Body and Collision Repair shop  , they offer courtesy cars to their clients and they specialize in foreign vehicles.

While Bergens Auto Body Regina appreciate your business, we know it's never fun to get into a collision in the first place. 

 

TRUSTED COMPANY: Bergen's Auto Body 

Name of Shopper: Darrin Oremba from Premier Tax Services

 

MYSTERY SHOP CHECKLIST:

My company vehicle was involved in a small fender bender that caused $ 6500.00 of damage to the front end of my SUV. The person I was in the accident recommended that I use Bergens Auto Body so I contacted them and made arrangements for my vehicle to be towed their from SGI. 

 

1. How was the greeting/ welcome/ call answered? My calls to the office were answered quickly and warmly by their staff. Arrangements were easy to make and I was informed up front that there would be a bit of a delay because of the current back log of vehicles already ahead of me.

 

2. If retail: Appearance of the store / staff and showroom? Not a retail store.

 

3. Product/industry knowledge of staff? Follow up phone calls from the technicians working on my vehicle were knowledgeable about my vehicle and the damage and made recommendations that exceeded SGI’s original plan.

 

4. If a quote is required is the quote well laid out/ clear? Quote was very clear. A call explaining the extra charges not going to be covered by SGI were clearly laid out.

 

5. Did they ask where you found them? The asked during my first call how I found them and I explained about the referral from the other guy in the accident who turned out to be their accountant.

 

6. Overall experience 1-10. Over all experience is a 9.

 

7. Would you return as a customer/ recommend them to close friends? I have already recommended their business to my business partner and another friend.

 

8. Did anyone stand out as exceptional? If so who? Why? John was the person I dealt with from start to finish. 

 

9. If you made a purchase/booked a job how was the process? N/A

 

 

What a great Mystery Shop!!! Yet again showing you deserve the Thumbs Up from www.trustedregina.com

 

 

Bergen's AutoBody & Collision Centre are TRUSTED REGINA AUTO BODY EXPERTS...and they are waiting to help you. Fan them on Facebook here and be assured that they will look after you...you can TRUST them..we Guaranteee it!  

 

2014 Trusted Regina Contractor show

Trusted regina.com the Regina  Directory   is proud to be hosting a Talk to the Experts show " The Trusted Show' Monthly on Newstalk 980 ..the first show aired in Sept 2012  Find them all here in our tips library or on our Trusted Channel on You Tube which is a fabulous resource of Tips, Interviews, Demos and Tours.

What this means is you can listen to all the shows ON DEMAND, you can share them with friends who may be interested in the shows subjects and this makes sure you never have to miss a Trusted Show - we think out of the Box when it comes to marketing, so we can provide the BEST Possible service for YOU the public- we are the Only Local Directory that works for you...and the only  place to offer this kind of service in Regina or Saskatoon !  

This latest show we are featuring is the 2014 Trusted Contractor show! 

 

 

 

This months guests are :

Al Shick Trusted Regina contractor.

Monte from Rapid Lawn Hydroseeding & Landscaping Trusted Regina turf, lawn & landscaping experts

Find them all on Trustedregina.com the Regina directory of Excellence

 

 

All the shows questions have been submitted by our wonderful Trusted Regina Facebook Fans  and one lucky fans question was chosen by Sean Dean to win the Prize package submitted by the 3 Trusted Businesses worth  OVER $500

Enjoy the show!! 


  

 

Chris Worby a Trusted Regina Financial Expert from Worby Wealth Management talks about Being Happy with your Money

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 Adisir Chris Worby of  Worby Wealth Management help you live your dream!

Get Happy with your Money! 

I talk with a lot of people about their finances – a lot – and if there’s anything I have learned it is that people are not happy with their money. They feel guilty about their spending and savings habits, feel they need to justify purchases and always end the month without.

Mike Rowe, host of ‘Dirty Jobs’ answered this to someone who was having a hard time finding a job they were ‘happy’ with:

Happiness doesn’t come from a job. It comes from knowing what you truly value, and behaving in a way that’s consistent with those beliefs.

Every household, no matter what stage of life – married, single, divorced, retired, etc – can benefit from considering their values as it relates to their finances, investing, goal setting, etc. Once the values have been established, the decisions become easy.

Let’s talk about these values for a few minutes. First, let’s talk about spending. If a household sat down and said, “We value being debt-free,” a number of decisions get really easy. “Should we buy a brand new car that will take us 8 years to pay off?” “Should we buy a brand new house with an accompanying $350,000 mortgage?” “Should we apply this work bonus to our mortgage using a pre-payment option?” Easy questions to answer once the household value is identified.

How about investing? “I value long term growth over safety and low volatility,” is a different statement from, “I value security in my investments.” Each of these investment statements means that many strategies are immediately eliminated and need never be considered again – how’s that for simplifying the decision-making process!

One of the issues here is that some values are ‘better’ than others – or so we think. There is no inherent benefit to valuing security overgrowth or vice versa. The important part is to follow your values so that your investment experience matches your values.

Values-based investing isn’t about the investment itself – it’s about you.

If you don’t know what your values are, contact me and we can figure it out together. 

Chris Worby is a Trusted Regina financial advisor and Wealth Management consultant servicing local Regina households and businesses since 2001.



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 40 Financial Things You Should Know by 40

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 Adisir Chris Worby of  Worby Wealth Management help you live your dream!

40 Financial Things You Should Know by 40

Many by-40 milestones have become debatable: Get married? Only if you really want to. Own a home? If it's financially feasible. Know what you want to be when you grow up? Well, if 40 is the new 30, you're certainly entitled to change your mind.

But there's one thing that's non-negotiable: By age 40, you can't get away with being financially clueless anymore. Especially since retirement might be a lot closer than you think! We've put together 40 money things, big and small, you should know before you turn the big 4-0. Why? So you can help achieve your financial goals with plenty of time left over to enjoy them!

1. The three basics of a solid financial foundation. Credit card debt paid off. Emergency fund stocked up. Retirement account(s) in existence and growing. Everything else (travel, homeownership, investments) should come after.

2. How to create a budget. Because without one, you may not reach any of your goals, like buying a home, paying off your credit card debt or traveling the world. Learn how to build your budget with our step-by-step guide.

3. How much you should be saving. The answer: 20 percent. Not sure how we arrived at this number? Look no further than the 50/20/30 rule, which divvies up your monthly budget as follows: 50 percent is reserved for essentials (think mortgage, rent and groceries), 30 percent is allocated for your lifestyle choices and at least 20 percent goes to "financial priorities," which include your debt payments, your retirement contributions and your savings. 

4. Your net worth. Yes, you have one. This is the sum total of your assets (bank account balances, savings, investments, etc.) minus your debts (loans, mortgage, credit card debt, etc.). Your net worth is the easiest way to get a big-picture perspective on your finances. Want a quick way to figure it out? Link your accounts in the free LearnVest Money Center, and we'll do the calculating for you.

5. How much you make and how much you spend each month. It sounds like a no-brainer, right? "But most people, regardless of their age, don't know how much money they have coming in and going out," says Natalie Taylor, a CFP® with LearnVest Planning Services. For a full breakdown, visit the Money Center to see your incoming versus outgoing finances.

6. How to get out of debt. Now is the time to be saving for your future, not paying off your past. Hopefully your debt repayment efforts are already in full swing, but, if you're not there yet, now's the time to make a plan. Here's a quick checklist to help you. Want the big kahuna? Get Out of Debt Bootcamp is our three-day, in-depth plan to help you finally live a debt-free life.

7. Your credit score. Still not familiar with this number? Afraid to look? Here's why, by 40, you should know it cold. Your credit score determines not only what kind of credit cards you'll get approved for but also how expensive your mortgage and car loan would be. Learn how to monitor and improve your credit score here. Speaking of ...

9. It can take a long time to save up a down payment. When it comes to buying a house, "People always say, 'Get in as soon as you can,' and 'It's OK to be house poor.' But before buying a house, you should be financially stable. If that's not until your 30s or 40s, that's OK. So many people have rushed in, and then they can't handle the payments," says Taylor. Find out how much house you can afford.


10.  By 40, you ought to know what it feels like to have a fat six months of savings sitting pretty in your account and the only five reasons you should be dipping into it. No, that out-of-state wedding doesn't count. (It's actually optional, no matter what your sister-in-law says.)

11. What your ideal retirement will cost. Have you ever really crunched the numbers? On the internet, there are practical as many retirement calculators as there are singing cats. But most people we know don't visit them. (The calculators, that is.) However, at 40, retirement -- if you've planned right -- may be a mere 25 years away, so you ought to know how much you need to save up. Here's a good place to calculate that. And here's why starting to save more right now, instead of a decade from now, will make getting there significantly easier.

12. How much you have saved for retirement. OK, cool, you've been diligently contributing to your 401(k). Somewhere out there you may have an IRA or two. (And you might want to look into rolling over these balances into fewer accounts.) The important thing is to know how much you've saved and how much you still need to. So, go on. Dig up your passwords. Crunch the numbers. Or link your accounts in the free LearnVest Money Center and we'll show you.

13. How to manage budget-busting friends. If you were duped by them in your 20s, shame on them. If you're still letting it happen in your 30s, shame on you. By this age, you should know who they are and how they operate. While you may love their sense of humour or style, you may hate how empty your wallet is after you hang out with them. It's about time you learned how to neutralize these culprits.

RELATED: Confessions of a Reformed Money Meddler

14. Your own money personality. Maybe you're the Budget-Buster. The Protector. Or the Pleaser. Discover how your Myers-Briggs quotient is affecting your finances.

15. That, the older you get, the more complex your money life becomes. "A lot of my younger clients say, 'I'll be able to save more for retirement when I make more money,' but the truth is, as they start to make more money, they have way more financial obligations," says Taylor. "They're not living in the shoebox apartment anymore. Then they get married, and they have a wedding to fund. Then they have kids, and they have college to save for." The bottom line? Today is the time to start, not tomorrow.

16. How your significant other handles money. By now, you probably know his favorite color, first pet and worst habit, but do you know how he thought about money growing up? Or exactly where she stands -- financially -- today? Here are six money questions to ask each other and a Love & Money Bootcamp to help you get on the same page. And, when you're ready, a financial plan to help you build the life you want together.

17. Where your parents stand financially. It's a rough role reversal, to be sure. After all, they were probably the ones who took care of you but trust us, you'll be glad you had this conversation. Start by finding out how to access their account balances, health insurance and long-term care insurance. Then ask them these six money questions today.

RELATED: Aging Care: 6 Tips to Help Older Parents Manage Money

18. The basics of investing. Before you put any money in the market, you should know how it works. Get a quick tutorial here: Investing 101. Or, try our everything-you-could-possibly-need-to-know-and-more in-depth program: Start Investing Bootcamp. But don't get ahead of yourself either. Don't even think about investing until you have a fully-funded emergency savings account, no high-interest debt and are on track for retirement.

19. A good tax accountant. Whether you D.I.Y. your taxes or hire someone to file your returns is up to you -- and depends on your financial situation. Here's where you can find out whether it's worth it to pay an accountant. Got other tax questions? We answer them here.

20. Your total compensation package. We know: We've all been so grateful to get the job that we signed on the dotted line without a backward glance, too. But that was then. By this stage in your career, you should know more than the number that makes up your base pay. "Does your employer offer disability insurance? Life insurance? You should know that," Taylor says. The same for matching retirement plans, health benefits and even 529 plans.

21. What a 529 plan is. No, it's not a cut of blue jeans. If you have kids, and you think their education is important, you should know this term. Hint: It helps you save for college.

22. How to maximize your time. Binge-watching on Netflix can be fun ... until it's not. Here are the eight best time investments you can make.

23. Who your health care proxy is. We cannot overstate the importance of choosing someone to make medical decisions for you if you were incapacitated. Fun task? No. But you don't want to leave this to chance.

24. That it's possible to juggle a couple of money goals at once. Some of the most common questions LearnVest Certified Financial Planners™ get are what they call "This or that?" questions. In other words, you may want to build up your savings, pay down your debt, save up for retirement and make that dream vacation possible, but you only seem to have $200 left at the end of each month. First, know that many people feel like this. Second, know that a financial planner can help you prioritize.

RELATED: Is It Possible to Over-Plan Your Life?

25. That you will never have "enough" money. "In nine years of being a financial planner, I've never met a person who's had enough money," Taylor says. "Our lifestyles seem to be ever-expanding as our incomes expand." Case in point: Even the uber-wealthy feel poor. The takeaway? Stop feeling like tomorrow is the time to tackle your financial burdens and take control of your money today.

26. That you never know the truth about other people's finances. The co-worker with great clothes could be deep in debt or have family money. The neighbor could be close to foreclosure or have paid cash for her house. That's why it's never wise to compare yourself to other people.

RELATED: How to Cure Your Money Comparisonitis

27. What not to do when you buy a new home. We all love to renovate. But remember: You're not on an episode of one of those D.I.Y. extreme home makeover shows and, in real life, big projects cost big bucks. So don't let your aspirations do you in. Here's how to set a realistic renovation budget and stick to it.

28. How to find a financial planner you trust. It's your money, so you should have perfect confidence that the person who is helping you manage it is smart, capable and 100 percent on your side. When choosing one, watch out for these red flags.

29. How to dress fabulously on your budget. Overspending on the latest, slickest or coolest new apparel can be the downfall of many. But it's possible to cut down your clothing budget and still rock head-turning style, on just about any salary. Our Priceless Style Bootcamp is a good place to start.

RELATED: How I Did It: I Cut My Clothing Budget to $600 a Year

30. What "rebalancing" means. When you were 10, it meant climbing back up on the balance bar in gymnastics class. Now, it may mean making sure your investment portfolio is primed to grow, while also protecting yourself so your accounts won't be decimated if there's a stock market downturn. Here's an article about how to rebalance your portfolio.

31. Why life insurance is so important. Even if you don't have kids, it could still be a life-saving option. And "life insurance is cheap, as long as you get it early," says Taylor. Here's everything you need to know.

32. The big cost of your little splurges. By 40, you should clearly understand how your $5-a-day smoothie habit can add up, keeping you from making progress on your money goals. While you're out and about, use the LearnVest iPhone app as a handy reference tool to keep track of and categorize all your transactions.

33. A favourite under-$10 dinner. As a bonafide adult, you should have not only a signature dish you can wow with but also five quick meals you can whip up that won't break the bank. And no, ramen noodles don't count. That ship has sailed. (Still stumped? Try one of these.)

34. How to negotiate a better salary. Sure, spending less and saving more help, but there's no faster way to financial freedom than growing your income. Make sure that you're earning what you're worth.

35. What a will is -- and why you need one. By this point in life you need one ... or two. There are actually two kinds of wills: a last will and testament and a living will. Put simply, a last will and testament is a legal document that spells out what should happen to your possessions when you die. (And, yes, you have possessions.) A living will, on the other hand, is a health care directive for what should happen to you if you're unable to communicate your wishes. Guess what? You need both. Brush up on wills and trusts with our guide.

36. How taxes factor into your retirement plan. Some retirement savings vehicles have you pay taxes now and are tax-free later. Some are tax-free now but charge you tax when you withdraw funds. "It's not only important for your investment portfolio to diversify, it's also important to diversify your tax situation in retirement," Taylor says. "So make sure you have some tax-free sources of income in retirement, as well as some taxable sources, so you can control your tax bracket when you get there." If that's confusing, we'll explain.

37. That cashing out your 401(k) may hurt you. Now and later. You already know that pulling money out of your 401(k) sets you back years and years when it comes to retiring, right? But guess what: You'll also have a huge tax bill to pay the next April. Plus, you're more likely to plunder your account again. That's another reason it's important to have an emergency fund. (In addition to not cashing out, steer clear of 401(k) loans that let you borrow against your retirement savings and pay it back -- with interest.)

RELATED: Learn It: Your 401(k) Is Not a Bank!

38. The ins and outs of interest. Simple interest is a percentage multiplied by the amount and the length of time you promise to pay it back (if we're talking about a loan -- or, if we're talking about a simple savings account, the length of the time that you leave the money there, untouched). Compound interest, on the other hand, is calculated more frequently so that it builds upon itself to make interest grow continually. Here's how it can help and hurt you.

39. How your money can affect change. Sure, you may like to give to charity here and there, but how you choose to invest your money can also make a statement and a difference. Learn about socially responsible investing.

RELATED: Warren Buffet's 4 Steps to Giving to Charity

40. A financial plan. Maybe you prefer to budget in envelopes. Maybe you have a 12-step plan for your retirement (by 40) all mapped out. Whatever you choose, studies have shown that people who think about the future are better able to make their money grow. And sometimes you need someone to help with that. LearnVest Planning Services offers financial plans by Certified Financial Planners™ to help you get where you're going.

 

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!


Chris Worby a Trusted REGINA FINANCIAL EXPERT provides a tip on a Budget Killer

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 on a Budget Killer:

There is an insidious monster in your personal finances trying to eat up all your money! It is so small, you may never even notice until you realize you are living paycheque to paycheque or worse, going negative every month.

It’s called the MONTHLY PAYMENT!!!!

And it goes like this, “Cable bill, $60. Internet bill, $35. Cell phone, $60. Cell phone #2, $60….” Many people I know end up spending around $300/mo on telecom if you include internet, cable, land line, cell phone, data plan all in that category. And none of those amounts look so high – $60/mo, I can pay that. But when you add them all up, you have a real dent in your monthly finances.

So if you think bigger than this, how many amounts do you pay in the $11/mo range – think banking fees? How much do you spend at $10/mo, $20/mo and so on? And none of them are all that expensive really – they are just there.

We buy cars this way, houses, gym memberships, all kinds of things. The problem is that this leads to what I call “Accidental Spending” and can really destroy your budget. Paying in full and up front or thinking about your finances as a whole year’s expense can really change your patterns.

Think about it, if you had to pay $600 once for the gym rather than $50/mo, would you think twice and really consider getting that membership? And if you did think more before the purchase, would you be more likely to use the membership?

Same with your cell phone, if you thought about your data plan as a $40/phone/month expense for 2 phones, would you think twice about $960/yr just to get facebook wherever you want? Maybe you could wait until you are on a wireless network after all!

So, think about payments because they happen whether you go to the gym or not and whether or not you go out for dinner as well.

 

Chris Worby is a Trusted Regina based financial advisor and Wealth Management consultant servicing local Regina households and businesses since 2001.

 

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

 

 

 

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

 

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