Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Financial Planners at Wiegers Financial & Benefits Help Keep Your Financial Plan Current

Wiegers Financial & Benefits is one of the largest private financial planning and employee benefits consulting firms in Saskatchewan. Its Saskatoon Financial Planning Division provides business owners, households, retirees, and students with expert investment and insurance planning services to help them reach their long-term financial goals. They also have a Benefits and Personal Insurance division. 

They explain everything you need to keep current in your financial plan in their latest Wiegers Financial tip. Wiegers Financial & Benefits are Trusted Saskatoon Financial Advisors 




Up to Date or Out of Date? Everything You Need to Keep Current in Your Financial Plan

It seems like just yesterday that we first started hearing about the COVID 19-virus, and now it’s been almost a year of uncertainty with only a blurry horizon in the future. What that horizon will look like, or when we will reach it, is still unknown but the hope is that we get there soon… and that we can hold our loved ones tight again!

As we all know, life can change in an instant, leaving our best-laid plans torn to pieces. However, it is critically important to pick up the pieces and find the new course we are to take so that despite the interruption, we can get to where we want to be. As a Certified Financial Planner with Wiegers Financial & Benefits for almost seven years, I have experienced with every client some kind of change in their lives and ultimately their financial goals. Given that life is not stagnant, it’s critically important that your plan and goals change with it to keep up.

What kind of life changes can impact your financial plan? Any number of things can change your goals but some of the most common changes are those concerning:

  • Job and pension
  • Income
  • Marital status
  • Dependents (children or elderly parents)
  • Real assets (e.g. primary residence or rental properties)
  • Other investments
  • Insurance policies
For instance, if you changed jobs due to COVID-19 or something else, your pension might have changed too, which will impact your projected retirement income. Without advising your advisor and potentially modifying your plan accordingly, you might find yourself behind or ahead of your retirement goals.

As another example, a change in your marital status or in how many dependents you have and who they are could make your beneficiary designations outdated. The last thing you likely want is for your insurance benefit to be paid to people you no longer want to receive it, or for any loved ones – including children – to be left out (and potentially taking the issue to court in an attempt to get it sorted out in their favour). Given that the solution to avoiding this kind of upset is a simple beneficiary change, it makes sense to ensure that you regularly review your beneficiary designations to ensure that they remain current with your plans and wishes.

Life changes, and so should your financial plan. Please speak with your financial advisor if you have any questions or wish to review your financial plan.


Kim Chicoine, CFP, B.Comm.
Insurance Representative, Wiegers Financial and Insurance Planning Services Ltd.
Financial Planner, Manulife Securities Investment Services Inc.


Contact Wiegers today for a no-obligation consultation to determine how they can help you.

Wiegers Financial & Benefits are Trusted Saskatoon Financial Advisors 

Trusted Saskatoon Group Benefits Advisors at Wiegers Financial & Benefits Explain Employee Wellness Programs

Wiegers Financial & Benefits is one of the largest private financial planning and employee benefits consulting firms in Saskatchewan. Its Saskatoon Financial Planning Division provides business owners, households, retirees, and students with expert investment and insurance planning services to help them reach their long-term financial goals. They also have a Benefits and Personal Insurance planning division. In this latest Wiegers Group Benefits tip, they explain flex benefits for employee wellness. Wiegers Financial & Benefits are Trusted Saskatoon Insurance and Group Benefits experts.

 

The Future is Flexible: Flex Benefits for Employee Wellness

A proper employee benefits program is a quintessential tool in helping to ensure employee health and well-being. As long as your employees utilize the program, it can help keep them healthy, happy, and focused at work, however, with the changing generations in the workforce – and the fact that millennials now comprise a majority of it – standard employee benefit programs need to change as well.

Younger staff are looking for flexible, digital offerings that let them get what they want out of a plan. They want solutions to support their mental health and wellness. A recent survey indicated that only 53% of Canadians indicated that their mental health was good or very good; this is quite a drop from last year’s report of 67%.[1] An easy solution is to provide an employee and family assistance program (EFAP). While counseling is at the core of an EFAP, it also has many other valuable mental health solutions for employees who are struggling.

A great way to combine the need for flexibility and for wellness is a flex account. A flex account is a pool of money that employees can direct to either a health or wellness spending account. A Health Spending Account (HSA) covers claims for health, dental, and prescription drugs, and is regulated by Canada Revenue Agency. A wellness account, on the other hand, allows you the flexibility of letting your employees choose what they want to be covered.

Some of the most common wellness expenses are gym memberships and sports fees but vet bills and even home office furniture can qualify too. This can be of huge value to employees when at least two-thirds of Canadian businesses have 60% of their staff working from home (and up to 55% of employees will continue to work remotely post-pandemic).[2]

Digital telemedicine offerings are another way that you can offer flexible wellness solutions for your employees. Available through the telephone or through an app, telemedicine offers your employees the ability to connect with a physician or nurse practitioner 24 hours a day, 365 days a year. Canadians are showing higher satisfaction rates when meeting with a doctor digitally and many are even saying that they prefer a digital meeting as a first visit.[3]

Having a range of digital and flexible wellness options for your employees gives you not only a leg up on your competition for recruitment but also lets you take care of your employees’ physical and mental wellness. It’s an investment that for most employers, is well worth making.


Matthew Hill, B.A.

Benefits Advisor, Wiegers Financial and Insurance Planning Services Ltd.


Wiegers’ Benefits Consulting Division includes many consultants and support staff who custom-design the most employee-valued and cost-effective group benefit, personal insurance, employee assistance programs, and retirement plans available. Contact Wiegers today for a no-obligation consultation to determine how they can help you.

Wiegers Financial & Benefits are Trusted Saskatoon Insurance and Group Benefits Advisors 


Trusted Saskatoon Plumbing Experts at JOB Heating and Air Conditioning Share 5 Fall Plumbing Tips

JOB Heating & Air Conditioning Saskatoon is eager to provide the best possible customer experience. Their aim is to be a professional resource for our clients before, during, and after the sale! Their team takes pride in service knowledge of modern equipment and training. They are recognized by peers and offer sales, service, training & installations for residential, and commercial Heating, Cooling, and Plumbing systems in Saskatoon and area. JOB Heating & Air are Trusted Saskatoon Plumbers

In their latest article, Jeff Bolton, JOB's owner, shares their top fall plumbing tips.

5 Fall Plumbing Tips From JOB Heating and Air Conditioning

Here are 5 fall plumbing tips to help protect your home this season. 

Tip #1: Disconnect and Store Outdoor Water Hoses

Since outdoor hoses are made from rubber, freezing and thawing weakens the material and causes cracks. Disconnecting hoses in the winter and storing them in an area of your home that does not reach freezing temperatures will ensure the longevity of your hose is maintained. If you leave your outdoor hose connected all winter long, any leftover water can freeze and expand. This causes faucets and any connected pipes inside your home to freeze and potentially burst. 

After disconnecting your outdoor house, it is important to check the faucet for any leaks. Faucet leaks can lead to water damage and cause plumbing issues when temperatures drop and things freeze. Once faucets are checked for leaks, it is a good idea to insulate them for further protection.

Tip #2: Shut Off Outside Faucets 

Most homes are equipped with an interior shut-off valve for the outside faucets. Be sure to shut off and drain them so there is no remaining water in the outside lines that could freeze and create plumbing issues.

Tip #3: Inspect Your Hot Water Heater and Ensure Maintenance is Completed

The fall season is the perfect time to drain your hot water heater as it needs to work much harder in the cold months to provide hot water to your household. Maintenance includes flushing your hot water heater to remove sediment build up. The sediment build up is important to remove as it causes rust and can block proper heat transfer. Flushing your hot water heater will ensure it is operating efficiently, saving you money on your hot water bills. 

If your hot water heater is more than 20 years old it may be time to consider a replacement before something goes wrong. You do not want to be stuck without hot water, especially heading into winter.

Tip #4: Insulate Your Pipes

Be sure to insulate any pipes that may be exposed to cold temperatures such as those in your basement and garage. Insulating your pipes properly will prevent them from freezing in the winter. 

It is important to note that it is common for gaps to develop in the areas where pipes enter your home. These gaps between the pipes and the walls allow for cold air to get through. Cold air seepage can lead to pipes freezing and thus increase your heating bill. Luckily these gaps can be sealed using caulking and weather stripping, and taking the time to seal them can prevent larger issues down the road.

Tip #5: Inspect Your Sump Pump

A working sump pump is extremely important to prevent flooding as it removes excess water from the foundation of your property. If your sump pump is left exposed to extreme temperatures it can freeze. Freezing prevents your sump pump from operating correctly and can compromise its ability to protect your home. Be sure to inspect your sump pump this fall to ensure it is working as it should, or have it inspected by a professional if you are unsure.

These are just a few plumbing tips to help protect your home this fall. If you need any assistance with your plumbing, furnace, or home heating equipment, do not hesitate to contact our team at JOB Heating & Air Conditioning.

JOB Heating & Air Conditioning is a Trusted Saskatoon plumbing company. They show up on time, deliver on budget, and leave the work area cleaner than when they arrived! They take pride in their work in this city and surrounding area, so nothing means more to us than testimonials from their clients as their preferred plumber in Saskatoon.

‘Your Comfort is Our Concern!’

JOB Heating & Air Conditioning Are Trusted Saskatoon Plumbing Professionals 

Citations, mentions, and SEO - how being a Trusted Saskatoon partner positively impacts local Google rankings

Citations, mentions, and SEO explained by Sara, owner of Trusted Saskatoon. 

There are many benefits to being a Trusted Saskatoon partner. My local team spends all of our time and energy promoting the Saskatoon partners on the directory as the best options in their industry in Saskatoon and the surrounding area. Once a business passes our unique verification process we invest in consistent advertising and we promote them both individually, and as a community as trustworthy, reputable locally owned, and accountable businesses. We do not do this because they ' bought our favour', we do it because they have proven themselves to be trusted.  Each of the businesses listed on Trusted Saskatoon has signed a contract where they agree to uphold the 5 Trusted Guarantees of Service. 

There is a lot of work and effort that goes on behind the scenes that may not be immediately obvious or understood by our Partners. In this article, I explain how my team helps our partner's websites rank higher in local search independently of their listings on our Saskatoon directory.

 

The SEO Impact Being Trusted Has On Our Partners Local Search Rankings

The key to being found online is having correct, consistent information online. That combined with fresh\new, relevant content on sites that are both yours and NOT yours, is what the internet and search engines really value!   
This is where local SEO citations and mentions on high-quality local directories such as Trusted Saskatoon, on social media, and other trustworthy websites and sources come into play.

What are citations and how do they impact local SEO?

Citations are online mentions of your business on 3rd party websites. If your business is listed on Trustedaskatoon.com, that counts as a local citation. The same goes if your business information is mentioned or featured on 3rd party blog posts or online newspaper/media articles- such as the Star Phoenix new faces new places for example. Citations and online mentions are important for local businesses online since they send out signals that tell Google and the other major search engines they can trust your Saskatoon business.

Why do we recommend focusing on citation building?

We all want to be on the 1st page of Google for our category in our local market for our main target search keywords. If your website ranks higher in search, then it should attract more visitors, generate leads and that should lead to more business. 

To be well ranked in local searches, you need to make sure the search engines have all of the correct information they need about your business. If your most important data is not consistent, the search engines are less likely to put your website forward as a high-ranking option for local prospects searching for your products and/or servcies. 

How The Local Search SEO Point System Works

Google is essentially the head librarian of the web, and as there are over 570,000 new websites added per DAY to the internet it’s a HUGE job! As such, Google has lots of 24/7 ‘library assistants’ helping with the massive and ongoing task of ranking the approximate 1.7 billion websites currently listed on the world wide web. If these assistants, or ‘web crawlers’, find links on 3rd party websites that link back to your business’s website, then they know it is trustworthy and you will earn an SEO point. If that backlink is on a quality local website, like www.trustedsaskatoon.com, then you are awarded additional, highly valued local SEO ‘points’. The same is true for citations; if web crawlers find your business information listed in important online directories, mentioned on other people's blogs, and featured in articles / local news, it solidifies the fact that they can trust your business information to be correct.

Citation building is a small but important piece of the local search marketing puzzle. Our team is working on our clients' behalf to ensure the information we have about them on Trusted Saskatoon is up to date and relevant.

Check out the video below for more information, and if you have questions please do reach out to our team!  

What’s the difference between online citations and online mentions? 

An online mention is when a business or brand is referenced, or "mentioned" on the internet. While often referring exclusively to social media mentions, they also count every time an online publication, website or blog ‘ mentions’  a brand or business name. If the mentions are combined with backlinks to your website and over 300 words of rich locally-focused content all the better.  By rich, we mean that the content includes elements such as quality, copyright-free images, relevant keywords, embedded videos, location-specific words, etc. If that is the case, then the value of that mention increases A LOT! This is why we ask our Partners to work with us to provide information about their specific business/ industry. We take that information and write quality Trusted Saskatoon Tips that feature them as the local experts in their industry!  

When we tag our Partners on our Facebook, Instagram, LinkedIn, or Twitter platforms the search engines and the web crawlers take note, this, in turn, adds additional SEO POINTS and improves their website’s organic search value. Their business and websites gain more ‘authority' within their respective industry categories in local search. Positive SEO leads to increased visibility, which can then prompt more mentions and further increased SEO points. Less is definitely NOT more when it comes to citations, mentions, and links to websites.

If Partners want to make the most of our expertise, promotions, and online klout, then they need to provide us with more information in the form of interesting, helpful and engaging expert tips about their industry. Our team will do the rest, we know how to take the content and get as many ‘ SEO points ‘ as possible. We then pay to promote that content locally so it reaches your ideal prospects. The more we can help our clients build a solid citation and link-building foundation the better they rank in local searches for their categories.  Our goal is that our Trusted Saskatoon Partners get their unfair share of leads in their categories locally online! 

About Trusted Sara

The founder of Trusted Saskatoon, Sara Wheelwright has over 25 years of marketing experience. A multi-award-winning entrepreneur and marketer, she expanded Trusted’s services by launching a full-service Saskatchewan digital marketing agency, Trusted Marketing Services in 2014. The success of Trusted is a testament to the importance of having business integrity in a digital age, where access to free-flowing information is constantly influencing consumers. Her experiences and insight are relevant to all business owners interested in progressive marketing strategies. Her biggest strength is being able to communicate the complexities of online marketing and how the internet works to local business owners in a way that they can fully comprehend. This, in turn, empowers them and helps them compete in this new marketing landscape.


Trusted Saskatoon Realtor Marla Janzen's Tips to Prepare Your Home for Fall and Winter Weather

As an award-winning SASKATOON REAL Estate agent, Marla Janzen knows the city and surrounding area extremely well. She strives to find her clients the perfect new place to live while negotiating the best terms and price possible. She has a keen eye for house layout and home staging, which really benefits her clients, most of whom are past client referrals! In her latest Saskatoon real estate tip, Marla shares tips on how to prepare your home for the colder months ahead. 

PREPARING YOUR HOME FOR FALL FEELS

Fall has a certain air to it, don’t you think? As the seasons change, it’s time to get your house ready for the coming rain, snow, and ice. The best way to avoid problems later in the season is to plan ahead and do some simple house maintenance as early as now. By doing this, you’ll be free to take advantage of everything the autumn season has to offer. To help you out, I’ve compiled a list of practical things to do on your own. However, hiring a professional to do it for you will be more cost-effective in the long run, saving you both time and money.

Here are some helpful tips to help you prepare your house for the colder months ahead.

1. Check the roof for leaks

From the ground, you should be able to get a good look at it. Consider using a pair of binoculars or scaling a nearby structure for a better vantage point if you’re up for the challenge. Look for shingles that are loose, broken, or missing. The removal of leaves and other debris can be necessary if your roof is flat.

2. Make sure your gutters are clear

It’s critical to maintain the smooth flow of your roof’s drainage system, which annually diverts tens of thousands of gallons of water from the exterior and foundation walls of your residence. Clogged gutters can result in water damage to your home’s exterior and a flooded basement. They rust and corrode more quickly. Remove all debris from your gutters and cover them with mesh gutter guards before the leaves start falling this season.

3. Remove leaves and check the trees in your area

Examine the trees in your area. Look for broken or too close to electrical wires or the roof, damaged limbs. Meanwhile, clear the yard of leaves by raking them and then removing them. If you have access to a compost pile, use it. If this is not an option, place in yard waste bags and place at the curb for collection by the neighborhood.

4. Replace window and door screens

Strengthen the windows and doors of your home. Having storm windows and doors would be best as replacements for your screens. All doors and windows should have caulk and seals checked.

5. Pool closeout

Schedule a pool closing service if you have a pool and live in a cold climate. If you are capable, you can buy the supplies and close your pool yourself if you know how to do this task.

6. Garage clean up

Organizing your garage or shed for fall and winter is a terrific time to search through your supplies. Don’t wait for snow trouble before you find that snow shovel of yours. If you live in an area with erratic weather, be sure your snowblower is serviced and ready to go.

7. Manage the shed

Most often than not, we have summer items filing up our storage. It’s an excellent time to organize and clean up your shed now by rearranging and putting all summer items at the back and winter products in the front to make it easier to get the things you’d need in the colder seasons. Be sure to get rid of everything that could freeze, as well. Restore and store outdoor furniture that has been left unused over the winter. Clean the cushions by removing them and washing them—store furniture in a dry spot throughout the winter after cleaning and drying it.

8. Make a bundle of firewood a priority

With fireplaces in mind, it’s time to start accumulating firewood. You’ll be happy you did it when the cold weather arrives. Use dried and ready-to-use firewood if you’ve collected it yourself. Covering and storing firewood away from the home is the safest option. Outside, construct a firewood rack and a carrier for moving the wood inside. Make sure you have enough wood on hand for the entire season.

9. Take care of the fireplace and the chimney

The colder months would surely make you and your family spend more time together, lounging in front of the fireplace. Ensure that the fireplace and chimney are both working properly before using the fireplace. It’s highly recommended that you have a professional chimney sweep and inspection if you frequently use your wood fireplace. To avoid chimney fires, schedule a chimney cleaning appointment right away.

10. Make sure that the furnace and boiler are working properly

You should check your furnace or boiler in the fall to make sure it’s ready for the cold weather. A furnace’s filters should be changed on a regular basis throughout the fall and winter. Have it inspected if necessary,  by doing so, you’ll be saving money on your utility bills and have extra for shopping, maybe?

11. Turn off all faucets and put hoses away in a dry place

Disconnect outside spigots and drain garden hoses. Turn off external faucets and, if your house is older, the valve inside. Shut everything down. Keep hoses out of the freezer by storing them in a dry location. Follow the manufacturer’s protocol for draining and safeguarding an in-ground irrigation system from winter damage to freezeproof it.

All faucets that leave your home should have an internal shut-off valve. If the interior shut-off valve has a drain stopper, open it while the outside faucet is still turned on. The drain plug on the shut-off valve should be closed and then turn the outdoor faucet back to the off position once all of the water has been completely drained from the line. If you don’t have shut-off valves or can’t find them, hire a certified plumber to install them.

Blowout sprinkler lines and irrigation system. At this time, your irrigation system may need to be drained and checked. Repairs should be performed by a professional, and sprinkler heads near snow removal zones should be marked. By doing this, you’ll have peace of mind during the freezing season.

12. Check the condition of your furnace

It would be best if you had a professional inspect your heating system once a year. Think about doing this task before winter sets in so you don’t have to rush. And while you are at it, include your furnace on the checklist too. Hire an HVAC professional to check for leaks, evaluate the heating efficiency, and change the filter. They can also check for carbon monoxide for air safety. Also, keep spare air filters on hand and swap them out regularly.

13. Clean humidifiers

During the months when it’s operating, maintaining your central humidifier will make you and your house more pleasant. To begin, look over the plates or pads and, if necessary, give them a good cleaning with a strong solution of laundry detergent. Use a wire brush or steel wool to remove mineral deposits after rinsing the area well and drying. Replace any worn-out filters and give the compartment a thorough cleaning. Vinegar is a low-cost and effective solution. Just a trivia, did you know that dry winter air makes fine wood more susceptible to cracking? So much so that dry winter air can also cause harm or irritation on our skin.

14. Make time for carpet care

Cleaning your carpets is best done in the fall. This season is the most fantastic time to open windows and let fresh air in to help with drying. If you don’t know how to operate a carpet cleaning machine, hire a pro to do it for you.

15. Comfy clean bedding

Get your down and cotton comforters, linens, and knits out of the closet and give them a good cleaning. After a thorough wash, place your blankets in a handy closet so that they’re ready to go when the frigid nights arrive.


There you have it—my practical guide to prepping your home for fall. Make sure your house is ready for the next autumn season by being smart and practical. Preventative maintenance now will save you money on costly emergency repairs and other expenditures in the long run. Maintaining your house well not only increases its worth and appeal but also saves you time and energy. 

Is there something you need help with around the house or are you planning to sell or buy a new home for the winter? Contact award-winning SASKATOON REAL Estate agent Marla Janzen today for a free consultation! 

Marla guarantees to provide you with a stress-free, hassle-free, wonderful experience and we are sure once you have met her that you will not contact anyone else!

Marla Janzen is a TRUSTED SASKATOON REALTOR®

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S & E Trusted Online Directories Inc
TrustedSaskatoon.com
310 Wall St #209
Saskatoon, SK   S7K 1N7
Ph: 306.244.4150

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