Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Mortgage Broker Asks, Is Your Mortgage Coming Up for Renewal?


Is Your Mortgage Coming Up for Renewal?


Did you know… Over the next 1-2 years, half of all Canadian mortgages will be up for renewal?


If you’re unsure about your renewal date, now’s the perfect time to find out. But, whatever you do, be sure to have an experienced mortgage broker negotiate on your mortgage at renewal with multiple lenders – including banks, credit unions, and trust companies – to ensure you secure the best mortgage product and rate based on your specific needs.


Brokers can pull one credit report and shop your deal with numerous lenders. If you try to do this yourself, each lender will pull a report, which will negatively impact your credit score and could prevent you from qualifying for the best possible mortgage.


Too many people simply sign the renewal form sent by their bank/lender up to six months prior to the renewal date without shopping their options. In fact, this is one of the biggest mistakes a homeowner can make.


Accepting this offer most often means you’ll be paying way too much for your mortgage – on average, 1-1.5% higher than you should be paying – and/or your new mortgage won’t adapt to your changing needs as a borrower. It’s important to remember that lenders are in the business of making money, so they won’t often offer the best rate in the renewal letter.


On a $300,000 mortgage, this higher interest rate could translate into a difference of more than $250.00 per month… and over five years you would have paid $15,000+ in additional interest! That’s a lot of money that could have been paid towards the principal balance and helped pay down your mortgage faster.


Mortgage renewal is also the perfect time to take out equity in your home to renovate, pay down debt, send a child to school, take a dream vacation or use however you choose. The benefit of taking money out during renewal is you don’t have to pay any fees to break your mortgage early.


And if your mortgage isn’t up for renewal just yet, it may also be beneficial to have a mortgage broker conduct a free annual mortgage checkup to ensure your mortgage is working for you and keeping more of your hard-earned money in your bank account each month. You have nothing to lose and everything to gain from staying on top of both your short- and long-term mortgage needs.



Trusted Saskatoon Realtor Clark Dziadyk tip on the Saskatoon Spring Real Estate Market

Whether you’re buying a house for the first time, the second or the seventh time, it’s still one of the biggest decisions you ever have to make. In order to ensure sheer success, you need a Trusted Saskatoon Realtor like Clark Dziadyk! Clark will ease your mind by taking the pressure off of you to find your dream home! Clark puts 100% effort into everything he does.

 

Read what clients have to say about Clark Dziadyk hereClark Dziadyk is 'The Realtor in Your Neighbourhood'


Trusted Saskatoon Realtor Clark Dziadyk tips on the Saskatoon Spring Real Estate Market


The Calm Before The Storm

Oh, the weather outside has been frightful… but what does the condition of your home look like inside?

The first couple of weeks in March are what I like to refer to as “the calm before the storm”. The Spring market is right around the corner and warmer days are coming. If you, like many other homeowners who are considering listing their home, you may be waiting until the weather warms up to put your home on the market. If this is your strategy, this is a great time to tackle all of those interior projects you plan on completing before listing for sale. The ultimate goal is to sell your home for the greatest value possible in the least amount of time. Preparing your home for the market now will greatly increase your chances of accomplishing this goal.

Follow this listing checklist provided by the Canadian Real Estate Association for tips on where to begin with getting your home showing it’s best and be ready for the Spring market. Once you have that completed, your next step is to contact me and we will discuss a marketing strategy for achieving your real estate goals!


Click Here For A Helpful  Real Estate Checklist


Read what clients have to say about Clark Dziadyk on his Saskatoon real estate listing here

Clark Dziadyk is a Trusted Saskatoon Realtor contact him today for all your Saskatoon Real Estate needs.


"The Realtor® in Your Neighbourhood"

Trusted Saskatoon Partners Announced As SABEX Awards Finalists!

THE SABEX AWARDS - SASKATOON ACHIEVEMENT IN BUSINESS EXCELLENCE

Saskatoon and area have many great businesses that have raised the standards for the community and industry at large. At Trusted Saskatoon we value businesses run with integrity and are proud to announce that three of our Trusted Saskatoon Partners are Finalists for the 2019 SABEX Awards!

Customer Service (Sponsored by MNP LLP): Finalist - Glenwood Auto Service
Rob Scott (Owner) has always taken great pride in exceeding clients expectations when it comes to customer service. Glenwood Auto Service has a long history of delivering quality auto repair and service since 1973. Their motto from the beginning has been "fantastic service is our discount". Glenwood's commitment to superior customer service has remained consistent and because of this, the business continues to grow. 
Their customers are extremely loyal and Glenwood always listens to feedback to continue to grow. With over 2000 positive client reviews in an industry that is flooded with horror stories, we are proud to have Glenwood AutService as Trusted Saskatoon AutoRepair & Tire Specialists! 

Marketing (Sponsored by Handy Special Events): Finalist - Decora Homes Ltd.
Decora Homes specialize in building high-end custom homes. A multi-award winning home builder with over 10 years experience. When they unleash their creativity they excel and they love incorporating new ideas that make them truly unique. Decora Homes have always marketed their company to showcase the quality and uniqueness they are known for. Decora Homes have earned recognition for their distinctive design and spectacular detail. Decora Homes have been a Trusted Saskatoon Home Builder for over 5 years with no complaints.

New Business Venture (Sponsored by Saskatchewan Polytechnic): Finalist - Wiebe Windows & More
Owner, Bradley Wiebe has been installing windows and doors in Saskatoon and area for over 10 years. When starting his own company in 2015 he knew that his focus would be on ensuring quality workmanship and exceptional customer service. Wiebe Windows & More has a 5-star rating and numerous customer testimonials and is on target to grow as a business by another 40% this year. Trusted Saskatoon is proud to have Wiebe Windows & More on our directory of excellence and to be able to promote their company with a new website, logo design and more through Trusted Marketing Services.




Congrats to these amazing individuals and Trusted Saskatoon businesses on being named a 2019 SABEX Awards Finalist!


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Trusted Saskatoon Window Expert Brad at Wiebe Windows & More shares a window tip on dealing with condensation

Wiebe Windows & More owner  Bradley Wiebe has been installing windows and doors in Saskatoon and area for over 10 years. They only install Canadian manufactured windows and doors. These products are built for the Saskatchewan climate. Wiebe Windows & More are Trusted Saskatoon Windows & Door, Experts share a window tip on prevention condensation. 

Are your windows weeping? Are you struggling with condensation? 


Have you noticed that the windows in your home are continually fogging up? Does it seem like they are collecting moisture? This isn’t necessarily your windows’ fault. In fact, window condensation may be an indicator of something entirely different. Your foggy windows may be an indicator that you need to reduce indoor humidity before it causes hidden, costly problems elsewhere in your home like peeling paint, rotting wood, buckling floors, insulation deterioration, mildew, even moisture spots on ceilings and walls.

Do windows cause condensation?


No. Windows do not cause condensation. But, windows are often the first place where condensation can be seen. Think about it. You’re probably not surprised or concerned when your bathroom mirror becomes fogged. You expect it after a hot shower. Your car windows fog up in humid weather or in winter when you have several passengers. These are just a few examples. And although condensation usually occurs in cold weather, it can occur during humid months when air conditioning is running. The mirror doesn’t cause the condensation. The car windows don’t cause it either. These are just the first places you actually see condensation. Check your bathroom walls after a shower – you’ll see condensation there, too. Run your finger along the wall. You’ll see water on your finger, and you’ll see the trail of your finger through the condensation on the wall.The same is true for the windows in your home.  

What does cause condensation?


Condensation forms when warm, humid air contacts a cold surface. Moisture is in the air all around us. Warmer air can hold more moisture. As air cools, it contracts (just as people pull their arms and clothing tight around them when chilled) and its moisture condense. When the temperature drops, the first place you will see any condensation is on the windows. Your windows are the coldest surfaces indoors. During colder months, indoor air is much warmer and holds more moisture than outdoor air, which is colder and dry. Warm, humid indoor air cools and contracts as it contacts the cooler windows, and the moisture condenses on the glass.


 

How to reduce window condensation by controlling and improving ventilation


1. Leave blinds and/or drapes open as wide as possible at night and open all window coverings during the day. This will increase the warm air circulation over the cool surface and increase the temperature of the glass. 

2. Check the furnace filter and replace if dirty. A dirty furnace filter will reduce the output of the furnace fan. A clean filter will ensure maximum flow. 

3. Turn your humidifier off during the winter and anytime the temperature falls below 0 degrees C. 

4. Always turn on the bathroom fan when bathing or showering. The best results are achieved when the fan is ducted directly to the outside. Humidistat controlled fans which automatically turn on when the humidity exceeds the setting on the switch is also available. Running the fan will also reduce the fogging of bathroom mirrors. 

5. Always turn on the range fan when cooking. For best results, make certain the fan is ducted directly to the outside. 

6. Ensure your clothes drier is properly ducted to the outside, no air leakage is present in the duct, and the duct is free of all blockages. Avoid hanging clothes indoors to dry. 

7. Ensure fresh air intake for the furnace is free of all blockages. If your house has no fresh air intake to the furnace, have one installed. 

8. Ensure all hot and cold air registers are clear of any obstruction as this could affect maximum air circulation. Avoid the use of air deflectors. Air deflectors directed towards a window can result in thermal cracks in the glass. 

9. Install ceiling fans in locations where heat registers are not located close to the windows. The increase in air flow will definitely help reduce condensation on these windows. Ceiling fans should be run continuously in houses where the relative humidity is above recommended levels. 

10. Floors wet from mopping can add large amounts of moisture. Run exhaust fans while floors are wet and avoid washing floors on cold days. 

11. Wipe up any excess snow or moisture tracked into the house. The evaporation of the moisture will result in an increase in the relative humidity level. 

12. Run your furnace fan continuously. Most furnaces are equipped with a switch which allows the furnace fan to operate even when the furnace is not producing heat. If your furnace is not equipped with this type of switch, have one installed. 

13. Open doors and windows periodically to allow the dry air outside to replace the moist air inside. 

14. Ensure there are no leaks in the water pipes or drains. 

15. Ensure window and door frames are caulked where they meet the exterior finish of the house. This reduces the possibility of cold air infiltration which may lower the inside temperature of the window or door. 

16. Remove interior screens in the winter to allow for better ventilation over the window surface. Screens will hamper the flow of air over the interior surface. 

17. Patios, decks, and landings: Do not stack patio furniture or other articles near or against windows that directly cause shading or “cold spots” on your windows and doors. This reduces the effectiveness and performance of the glass. This can also lead to glass cracking.


Wiebe Windows & More -Services & Info:

"A VIEW YOU CAN TRUST"

Wiebe Windows & More are Trusted Saskatoon Windows & Door Experts!


Burnt Orange Solutions Trusted Saskatoon IT Expert Shares Basics Of Protecting Your Business

The Trusted team at Burnt Orange Solutions are located in the Computers & Web Design Category.

Honesty and respect are important factors in daily communication at Burnt Orange. Gareth and the team at Burnt Orange Solutions are YOUR Saskatoon IT stress solution. Burnt Orange Solutions are your Trusted Saskatoon IT Experts


BURNT ORANGE SOLUTIONS SASKATOON BASICS OF PROTECTING YOUR BUSINESS INFORMATION

Our Saskatoon IT Tips are from the Trusted professionals at Burnt Orange Solutions.  We promise to have a one-hour response time for all your Saskatoon IT support needs. Honesty and respect are important to us. In our latest  IT Expert tip Article, Gareth McKee, owner of Burnt Orange Solutions shares tips on protecting your business information.

 

The Basics of Protecting Your Business Information

  1. Network Gateway Firewall

The first point of defense to protect your network from hackers and bots trying to gain access to your network. Ensure you speak with a professional IT company to ensure it is configured correctly.

  1. Web protection

It is the easiest thing to click on a link not realizing it takes you to a very good fake website, this triggers the automatic download of a virus or ransomware. Web protection stops this happening by blocking known dangerous websites as well as legitimate websites which become infected.

  1. Antimalware at server/workstation/tablets/cell phones

Everyone knows you should have anti-malware/virus on your PCs and Servers, but not everyone understands that you should have this software on all your devices. And don’t for 1 second think that Apple products are safe, they also need antimalware, as do your tablets and cell phones.

One more point on this, do not use free antimalware tools, they are free for a reason i.e. they are about as much use as a chocolate fire guard.

  1. Anti-malware/spam at the email server

Specific email server antimalware and antispam software much be installed and configured correctly. This helps protect your staff from emails with dangerous links, virus payloads and generally makes them more efficient as their inbox will not be bombarded with 1,000s of annoying emails.

  1. Secure WIFI

Protecting Your Business Information wifi secureWIFI must be secured using the latest encryption WPA2 and protected with a strong password or RADIUS security tools.

Other tools which may be used to improve the security of WIFI networks include hiding the network, this way only computers which have been previously logged on to the network with be able to connect. You can also configure the WIFI network to only allow specific computers to connect.

One tactic which many businesses don’t do, but is a must, separate the WIFI networks, one for staff and one for guests. Only allow guests access to the internet and not on the business network, your laptops may be fully secured, but you don’t know the security standard of guests, they may very easily bring a virus in to your network.

  1. Encryption

Consider full encryption of all your computers, in particular laptops. By design laptops are for travel, unfortunately, this allows the theft of them to be much easier than a server in a locked down building.

Encryption would ‘scramble’ all the data on the hard drive and the only way to decrypt the data is by having a user login and password. Even if the hard drive is removed from the laptop the data cannot be accessed.

  1. Local and cloud image-based backups

A good backup solution is like insurance, you never need it until you NEED IT.

Don’t mess around with USB sticks which sit in a drawer. All businesses can afford and should use a business class backup service which provides:

  • Image based backups – allows for quick recovery of whole systems
  • Local backup – allows for quick recovery of files
  • Cloud backup – allows for recovery of data even in the event of a total loss at the business location
  • Encryption – stops hackers and thieves getting at your data.

 

  1. User training

Staff members must be trained to use the software correctly, also to recognize dangerous phishing emails or other attempts at gaining access to your network.

  1. Acceptable Use Policy

securing a lost laptopBe sure to have an Acceptable Us Policy for your computers and networks. This plainly shows the staff members what they can and cannot do on the computers:

  • Are they allowed to use social media?
  • Are they allowed to install software?
  • Are they allowed to shop online?

 

  1. Patch management

Patch management is a must for all devices on a network. New security holes are discovered every day on PCs, servers, switches, routers, firewall, WIFI access points, printers, scanners etc. all these devices can provide access to your network, ensure all patches and upgrades to all software and hardware are installed when they become available.

  1. Proactive maintenance

We all know the value of maintaining our cars, yet very few people maintain their computers. From blowing out the insides of a computer to get rid of all the dust to hard drive checks which will save you hours if not days in the event of a hard drive failure.

The best solution here is to outsource the proactive testing and reporting to an IT support company, they will have the tools, the trained staff and the reporting to do this properly.

  1. Firewall at server/workstation

Each device needs a firewall to improve its safe on the network. Often when a virus finds its way in to a network it will try to replicate itself across all the devices, a firewall on the PCs and servers helps prevent this.

  1. File and folder security permissions

To prevent leakage of information from your business it is paramount that security rules are in place to prevent a staff member from gaining access to information they should not have. Whether malicious or not, this can cause at best an HR headache at worst business secrets could find their way to your competitors.

  1. Users should not have administration rights

Staff members should not have administration rights to their local computer, it helps prevent the installation of unknown software and the spreading of viruses.

  1. Passwords

We now speak about passPHRASES rather than passwords as you can have spaces in the string of characters. A good passphrase should have at least 14 characters and be changed at a minimum quarterly.

  1. Do not allow the use of Dropbox etc.

Unless authorized by the management of a company, Dropbox and the like should not be allowed. A helpful staff member today who uses Dropbox to work at home may leave the company next week and have a lot of business information on their home computer.

Also, Dropbox can aid the spread of viruses and ransomware.

On a side note, do not use Dropbox as a backup solution, if a file on your PC becomes corrupt, the copy in Dropbox will also become corrupt. It is not designed as a backup solution.




Contact Burnt Orange today for more information or to take advantage of your FREE initial consultation. View them on Facebook here. They are your Burnt Orange Solutions are Trusted Saskatoon IT Experts!

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