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Trusted Saskatoon Contractors K & S Contracting Share 5 Signs Your Basement is Leaking

26. Feb 2023 Admin Saskatoon Contractors, Trusted Tips

K & S Contracting specializes in foundation repair for homeowners across Saskatchewan. In addition, they also offer general contracting services to Saskatoon and the surrounding area. In their latest Trusted Saskatoon tip, K & S Contracting, Trusted Saskatoon General Contractors, and foundation specialists, share 5 signs your basement is leaking.

5 SIGNS YOUR BASEMENT IS LEAKING

Basements are an integral part of any home, especially in Saskatoon, and it’s important to keep them dry and free from leaks. A leaky basement can not only cause damage to your home but can also create a health hazard by promoting mould growth. Here are five signs that your basement is leaky and in need of repair.



WATER STAINS

One of the most obvious signs of a leaky basement is the appearance of water stains on the walls or floor. These stains are usually brown or yellow in colour and can indicate that water is seeping into your basement. In addition, you may also notice discolouration or efflorescence, a powdery substance that forms on the surface of the wall due to water evaporation.


MUSTY ODOUR

A musty odour in your basement can also indicate the presence of water. This odour is caused by mould and mildew growing in damp areas, which can be a sign of a leaky basement. If you notice a musty odour in your basement, it’s important to address the issue as soon as possible, as mould can be harmful to your health.


PEELING PAINT OR WALLPAPER

If you notice that paint or wallpaper in your basement is peeling or blistering, it could be due to exposure to moisture. This can be a sign of a leak, as the water is causing the adhesive to break down and causing the paint or wallpaper to peel away from the wall.


CRACK IN THE WALLS OR FLOOR

Another sign of a leaky basement is the appearance of cracks in the walls or floor. These cracks can be a result of settling or shifting, or they can indicate that water is entering your basement through a weakness in the foundation. Inspecting these cracks by a K & S Contracting professional is important to determine the cause and the best course of action. As this could be 1 of the 5 signs your basement is leaking.


HIGH HUMIDITY LEVELS

If you notice that the humidity levels in your basement are consistently high, it can be a sign of a leak. High humidity levels can cause condensation on walls and floors, which can promote mould growth and other health hazards.

In conclusion, if you notice any of these 5 signs in your basement, it’s important to address the issue as soon as possible to prevent further damage and to maintain the overall health and safety of your home. You need to consult with K & S Contracting owner, Steve Ostapiw to assess the situation and recommend the best course of action. By taking care of your basement, you can ensure that it remains a safe, dry, and healthy living space for years to come.


10 Benefits of Cloud Accounting Software By Trusted Saskatoon

18. Feb 2023 Admin Saskatoon Bookkeepers, Trusted Tips




10 Benefits of Cloud Accounting Software for Business

More and more business owners are turning to cloud accounting software to manage their business’s finances. If you haven’t yet tried it, here are 10 ways online accounting software can help your business.

Save time with automation

Don’t waste time posting and chasing invoices. Cloud accounting software automatically generates invoices— as well as reminders — at regular intervals, meaning you don’t have to manually keep track of debtors. If you combine your accounting software with HR and Payroll applications you can also automatically generate payslips and other HMRC documents.

Work from anywhere with an internet connection

Cloud accounting software means you no longer need to worry about maintaining spreadsheets or installing a program on one machine. The cloud allows you to log in to your business’s account anywhere with an internet connection. Once you sign up, you can get started straight away.

Value for money

Instead of paying a huge one-off fee for accounting software, with the cloud, you can spread the cost by paying monthly — helping you to manage your business’s cash flow. If you do prefer to pay upfront, you’ll benefit from a discount.

Up-to-date data

Automated bank feeds allow you to keep track of your business’s balance sheet in real-time. You can also view a variety of reports that give an up-to-date snapshot of your business finances. Online accounting software makes it easier to get closer to your business and gives you a clearer picture of your finances as a whole.

Keeps your information secure

As your data is saved on a secure cloud server and is constantly backed up, you don’t need to worry about your data being hacked or compromised. Even if your computer crashes, everything is still saved in the cloud.

Intuitive and easy to use

Cloud accounting software makes accounting easy for people who may not have much experience in managing financial accounts. The software is built with non-accountants in mind and help guides are available every step of the way.

Community of fellow business owners

A side benefit of joining the cloud accounting software revolution is joining an instant network of fellow business owners whom you can meet and chat with via community forums and business events.

Give access to multiple users and set permissions

If different people manage different elements of your business, it’s easy to add multiple users to your account and tailor permissions so that people with specific job roles only see what they need to.

Software is consistently updated and improved without you having to do anything

Rather than having to wait for a new integration of a program, cloud accounting software is constantly updated by in-house developers. This means that if things change, cloud software is agile enough to keep up-to-date in real-time. In addition, unlike desktop accounting software programs, these updates are free and included as part of your monthly subscription fee.

Collaborate easily with your accountant

In the past, it was common for business owners to chat with their accountant once a year at year-end — leading to one huge pile of work. Cloud accounting software lets you share your accounts with your accountant throughout the year and work together regularly.



Trusted Saskatoon Bookkeeping & Tax Tips If You Have Missing Tax Slips

18. Feb 2023 Admin Saskatoon Bookkeepers, Trusted Tips

Missing a Tax Slip? Here's How to Find it and What Happens if You Don't

Walk into a Canadian household in April and you’ll likely find a kitchen table littered with receipts and pairs of reading glasses. Yet with all the receipts and tax slips you’re supposed to keep, it’s likely some are going to go missing – and a missing slip can mean a big swing in your tax bill. Before you go ahead and file your return, you’ll want to do your due diligence to avoid any penalties for missing or inaccurate information.

Check your account online

My Account for Individuals is a great place to start to check your info. Logging into your account, you should be able to find online versions of your T4 slips. You’ll also be able to check carry-forward balances like tuition credits or capital losses, as well as your RRSP contribution limits. While you’re there, you can also sign up for a direct deposit to get your refund faster and deposited directly to your bank account.

Call the CRA

Only some of your tax slips will show up in My Account, namely the slips that begin with T4. To verify all your tax slips that the CRA has on file, particularly ones that relate to investments, you can call the Individual Enquiries line at 1-800-959-8281. Before you call, make sure you’ve got your SIN and last year’s tax return handy (which you can view online). After answering a few security questions, you can ask to confirm the slips they have on file for you and compare their records to yours to see if you’ve missed anything.

How do you know if the CRA has all your slips?

The majority of T3s, T4s, and T5s will all be processed through the CRA’s system. As the processing of these slips requires a SIN, the income on the slip is then attributed to you which you can then verify when you call the CRA.

‍However, not all slips go through the CRA’s system.

‍Certain slips such as T2202As for tuition deductions, T5008s for capital gains and losses, and RRSP contributions are not always processed by the CRA. While the rules differ across the various types of tax forms, some slips can be generated independently and don’t have to go through the CRA’s system first. For these slips, you’re going to want to track them down from the source provider since the CRA won’t have them on file.

For example, if you know you’re meant to receive a tuition credit, call the school to grab your form. If you’ve made some stock trades in the year, call your bank to grab a gains and losses report. Unfortunately, there’s no fool-proof way to know that you’ve got all these types of slips – you’ll just need to remember!

What happens if you still miss a slip?

If you file your taxes with a missing slip, don't expect a collections officer at your place. If the missing slip contained only a small amount of income, you may get lucky and the CRA may just ignore it. On the other hand, if it’s a significant amount of income, you may be automatically reassessed.

When this happens, as long as you’re in a refund position, you likely won’t have the interest to pay. Unfortunately, if the swing is big enough to generate a balance owing, you may have some interest to cover. If you missed a significant slip that the CRA does not have on file such as a tuition slip, not to worry, you can file an adjustment to your return down the road if you’re able to track it down. Before you file your return, double-checking that you’ve got all your slips covered will mean a faster refund, no interest, and less stress!




Your Ultimate Tax Checklist From Trusted Saskatoon

17. Feb 2023 Admin Saskatoon Bookkeepers, Website

Your Ultimate Tax Checklist 

It is that time of year again… tax season! If you are like most people, doing taxes is something you view as a dreaded task or you procrastinate doing. Do not fear, we have a helpful Tax Season Checklist to make doing your taxes easier to organize. This list will outline all the things we could need from you in order to prepare your income tax return. 

Tax Slips

  • T4 slips (Employment income)
  • T4e Employment Insurance benefits
  • T4A (other pensions, annuities, and certain scholarships)
  • T4AP (CPP benefits)
  • T4 RSP (RRSP income)
  • T4 RIF (RRIF income)
  • T4 A-OAS (old age security)
  • T3 (Mutual Funds, REITs, ETFs) 
  • T5 (investment income – interest, dividends, certain capital gains)
  • RC62 (Universal Child Care benefits)
  • T5007 (Social assistance payments/Worker’s compensation benefits)
  • T2202A (Tuition/education receipts)
  • T5031 (partnership income)
  • T2200 (Condition of employment/allowable employment expenses)
  • All other information slips

Receipts

  • RRSP contribution slips
  • Medical expenses
  • Support for a child, spouse, or common-law partner
  • Transit pass receipts
  • Charitable donations
  • Office-in-home expenses
  • Moving expenses (including realtor’s commissions)
  • Exams for professional certification
  • Carrying charges and interest expenses
  • Other interest expenses
  • Political contributions
  • Childcare expenses
  • Adoption expenses
  • Children’s arts and sports expenses
  • Tool expenses (tradesperson)
  • Interest paid on your student loans
  • Professional or union dues
  • Attendant Expenses for the disabled person
  • Other Documentation
  • Notice of Assessment/Reassessment
  • CRA Correspondence
  • Amounts you have paid in tax installments
  • Rental income and expenses
  • The sale or deemed sale of stocks, bonds, real estate, etc.
  • Disability tax credit certificate
  • Business, farm, or fishing income or expenses
  • Northern resident’s deduction receipts
  • Commission employee expenses
  • Automobile/Travel logbook and expenses (self-employed and commissioned employees)
  • Volunteer firefighter’s certification
  • Graduate Retention Certificate
  • Search and rescue volunteer certificate
  • Legal expenses to collect alimony, pension, or retirement allowances

Other Documents

  • Notice of Assessment/Reassessment
  • CRA Correspondence
  • Amounts you have paid in tax installments
  • Rental income and expenses
  • The sale or deemed sale of stocks, bonds, real estate, etc.
  • Disability tax credit certificate
  • Business, farm, or fishing income or expenses
  • Northern resident's deduction receipts 
  • commission employee expenses
  • Automobile/travel logbook and expenses (self-employed and commission employees)
  • Volunteer firefighter's certificate
  • Search and rescue volunteer certificate
  • Legal expenses to collect alimony, pension, or retirement allowances



Trusted Saskatoon Jewellers at Batemans Share Secrets of Custom Designed Jewellery

6. Feb 2023 Admin Saskatoon Jewellers, Trusted Tips

Bateman Jewellers are Trusted Saskatoon jewellery experts! Did you know that they are the oldest independent jewellery store in Saskatoon?  Bateman Jewellers maintain that the relationship with their clients is very important to them. In their latest Saskatoon jewellery tip, they share secrets of custom designed jewellery.


SECRETS OF CUSTOM JEWELLERY

1. You don’t need to be a jewellery designer to get a custom jewellery piece designed. Clients looking for custom jewellery don’t actually need to know a thing about jewellery design. All that’s needed is a sketch (and the sketch doesn’t have to be perfect) or a photo of the piece desired. This is particularly true with CAD jewellery. For example, if you share your sketch or photo with Batemans, we can turn your vision into a CAD model that can then be printed, cast and finished. You choose the stones, metals and size for your final piece.

 2. The customer can be involved every step of the way. With custom design, there is collaboration and communication between the client and the designer throughout the creation process.

3. It’s easier to stay within your budget. Working with a designer gives you the option to choose design elements that are more suitable to your finances; an option not available with mass-produced jewellery.

4. You can have heirloom pieces recreated. One of the best things about customized jewellery and CAD technology is that it makes it possible to recreate a sentimental piece of jewellery – pieces that were lost or damaged over time. CAD makes it possible to bring a cherished piece back to life.

5. Redesign your jewellery. When you order custom, you can also mix new ideas with elements of another piece of jewellery. For example, you might want to use the gemstones from another piece in your customized piece, or you might ask the designer to incorporate some of the design elements of the old piece in the new piece. You can also take existing CAD models and request modifications.

6. Custom 3D-printed jewellery is becoming increasingly popular amongst celebrities and the wealthy. Not long ago, if you’d asked someone about CAD jewellery they would have had no clue as to what you were talking about, but that’s no longer true today; CAD jewellery has gone mainstream. This is largely because 3D-printed jewellery has become so popular among the wealthy, celebrities and Hollywood fashionistas, not to mention famous jewellery designers, all of whom are always looking for an edge and the newest, chicest fashions.

7. Social media is influencing the growing popularity of custom jewellery. The rise of visual social media sites such as Pinterest, Facebook and Instagram has led to a greater awareness of fashion, styles and trends among the general public. New looks and styles are shared with just a click of a button and the images travel across the globe in an instant. Global trends influence each other, fueling a greater desire for uniqueness and originality, which exactly suits custom work. From custom engagement rings to custom body jewellery, people are looking for more diversity and more options. This has naturally led to an increase in the demand for the services provided by CAD professionals.

8 . CAD/CAM has made custom jewellery design not only more accessible, but it has opened up design options not possible before. CAD technology has made it possible to create pieces with greater complexity, originality, and sheer beauty than ever before. And it has simultaneously made the customization process more accessible to everyone.


Bateman Jewellers continues to have a strong reputation in Saskatoon, and this is due to their loyal customers who appreciate the friendly, family-orientated store that they have come to expect! As a team, Cam and Jan are committed to ensuring that Bateman Jewellers remains the same for many generations to come.

'Your Jewellery Is A Lifetime Investment... Buy It From A LifeTime Friend'

Bateman Jewellers is a Trusted Saskatoon Jewellery Store

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