Thursday, 26 September 2019

Guide To Credit Cards - Preeceville's Main Street with the Mayor Garth Harris for Thursday September 26th 2019 8:35 am

Working Draft for:

Preeceville's Main Street with the Mayor Garth Harris for Thursday September 26th 2019 8:35 am

With GX94's Craig Wallebeck > see him @ http://www.gx94radio.com/craig-Wallebeck

This week we focus on:  Guide To Credit Cards


A Student’s Guide To Credit Cards

Released on September 25, 2019

"The Financial and Consumer Affairs Authority (FCAA) is offering credit card advice to students.  When used successfully, a credit card can build a good credit score which can help when it comes to buying a large life purchase, such as a car or house.

“Ensuring that you regularly read your credit card statements and making your minimum payments on time are great practices when owning a credit card,” Consumer Credit Division Director Cory Peters said.  “It’s also really important to not share your PIN or lend someone your card.  You should keep your credit card information safe and solely yours.”



Keep the following tips in mind when getting a credit card:

  • Always make your minimum payments on time – at the very least, make the minimum payment by the due date.  If possible, pay off the full balance on time to avoid interest charges altogether.
  • Don’t share your PIN – if something happens to your account and you’ve given someone your PIN, you will be paying the price.
  • Avoid cash advances - there often is a fee associated with this and interest is charged immediately.
  • Read your statements – make sure your transactions recorded in your credit card statements are accurate and check for any unfamiliar charges.  Fraudsters can sometimes gain access to your card without you noticing it.
  • It’s not free cash – if you cannot afford to pay off what you are committing to spend on your credit card, think twice before making the purchase.

Not all credit cards are the same.  Different cards offer different interest rates, fees, limits and rewards.  Make sure to research which one is the right fit for you.

For more helpful information on credit card usage, visit http://fcaa.gov.sk.ca/financial-literacy/youth-parent-educators/credit-card-tips. "

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For more information, contact:

Shannon McMillan, Financial and Consumer Affairs Authority, Regina
Phone: 306-798-4160   Email: shannon.mcmillan@gov.sk.ca
https://fcaa.gov.sk.ca/financial-literacy/youth-parent-educators/credit-card-tips


Credit Card Tips

Many people get their first credit card during their post-secondary education. When used correctly, credit cards can be very useful for students. They can help build a credit rating, allow you to buy necessary supplies online and can be used in emergencies.

However, when used improperly, credit cards can create large amounts of debt that can take years to pay off. If you want to make your credit card work for you and not the other way around, keep the tips below in mind.





One of the best habits is to make your minimum payment on time and, if possible, pay in full. If you are always able to pay off the full balance and haven’t taken any cash advances, you can actually avoid interest charges entirely. If the amount on the card is too much to pay off all at once you may want to consider creating a monthly payment plan for yourself to follow until the entire balance is paid off. At the very least, always make the minimum payment by the due date. 

It's important to know that being late or skipping payments will seriously harm your credit rating.


Do not share your PIN with anyone. If you tell someone your PIN or give someone your credit card and something happens to your credit card account, you are on the hook. You can be held responsible for any charges that are incurred and your credit card issuer could close your account.


Take time to consider which credit card you want. Different cards have different interest rates, fees and penalties for not making the minimum payment. If you expect to be carrying a balance, it may be worth paying an annual fee for a lower interest rate. Keep an eye out for cards specifically designed for students and compare details like interest rates, annual fees, interest free grace periods and potential bonuses like loyalty programs.

When you have chosen your preferred credit card, make sure you read and understand the terms and conditions of your credit card agreement.  It’s important you read the fine print so there aren’t any surprises. 


Avoid using your credit card to take cash out at the ATM or transfer money to your chequing account. Although this may be helpful in emergency situations, remember there is often a cash advance fee, and interest on cash advances is charged immediately. 


Some cards offer add-ons such as balance protection insurance. Make sure you understand the costs and benefits of them.


It’s important to remember that having a credit card doesn’t mean you have more money. Purchases need to fit within your budget. If your credit card balance keeps growing month-to-month, you’re likely overspending.  

One of the most common mistakes people make with their credit card is using it to buy “wish list” items. If you find yourself at a checkout counter with your card getting ready to refresh your wardrobe with the latest fashions or to upgrade to a monstrous TV, take a moment to consider whether you’d be able to buy those things without the card. Though big-ticket purchases might make you happy in the short term, using a credit card to buy items you can’t afford is a slippery slope that often leads to large amounts of long-term debt. 


Watch where you are spending money and carefully read through your recent transactions to make sure they are accurate and check for any fraudulent and unauthorized charges. Fraudsters can sometimes gain access to your card without you noticing it.


With mobile payment services being available through smart phones and watches, it’s easy to pay for items without physically using your credit card. However, being easy to use means it’s also easy to rack up charges. Make sure to monitor your spending so it doesn’t get out of control.



Youth / Parent / Educators
Learning about money early on in life can help you know how to make the right decisions about spending and saving for the future and to practice good financial habits that will last a lifetime.

 Events:

Bingo  ​606 Harvard Preeceville Air Cadets Squadron Sponsoring Committee BINGO. Every Thursday at Club 60. Doors open at 7pm, first game starts at 8pm.






Culture Days The Preeceville Recreation Board is pleased to once again be doing a Culture Days event September 27, 2019. If you are interested in showing your culture, activities, entertainment and/or food please contact Andrea at 306-547-2810.












 - And as always if you wish to have an event promoted visit and post it to our Community Events  Calendar at www.townofPreeceville.ca

Follow the Mayor on blogspot at http://mayorharris.blogspot.ca/




follow  me on instagram @ http://instagram.com/garthrharris

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Thursday, 19 September 2019

Do you have chemical risks in your workplace? - Preeceville's Main Street with the Mayor Garth Harris for Thursday September 19th 2019 8:35 am

Working Draft for:

Preeceville's Main Street with the Mayor Garth Harris for Thursday September 19th 2019 8:35 am

With GX94's Craig Wallebeck > see him @ http://www.gx94radio.com/craig-Wallebeck

This week we focus on:  Do you have chemical risks in your workplace?





Sent: September 17, 2019 12:02 PM

We can do better than water rinsing for chemical burns.  ​

Think you should rinse chemical injuries with only water? Think again.
  
While water is often thought of as the preferred treatment for chemical contact on skin and eyes, we're determined to spread the word and share the benefits of a best-in-class product called DIPHOTERINE®.

Why? Quite simply because DIPHOTERINE® is proven to deliver better outcomes compared to passive water washing - and everything we do revolves around making Canada a safer place to live and work.

DIPHOTERINE® works by: 
  • Providing the important mechanical flushing effect from skin and eye tissue 
  • Rapidly restoring the physiological pH balance on skin and eye tissues after a corrosive splash 
  • Prevents further penetration of the chemical into the tissue cells 
  • Reverses the flow of chemicals back to the surface of the tissue 
  • Provide superior cooling effects  
We're happy to share more info with you through a free onsite demo or virtual webinar customized to your specific concerns.

Get your free demo of DIPHOTERINE® today.

 

Let us show you a better way to improve outcomes.

 
While water is often thought of as the preferred treatment for chemical contact on skin and eyes, there is a game changer in the marketplace that is proven to deliver better outcomes compared to passive water washing. Designed to address the limitations of water while maintaining its positive effects, Diphoterine® solution helps eliminate and reduce injuries related to chemical burns.

How it Works:
  • Provides the important mechanical flushing effect from skin and eye tissue
  • Rapidly restores physiological pH balance on skin and eye tissue after a corrosive splash
  • Prevents further penetration of the chemical into tissue cells and begins to reverse the flow back to the surface
  • Provides superior cooling effects (when compared to water) on the tissue following a chemical exposure


Diphoterine® Solution Product Overview  PDF (8 pages)


"Understand how your safety program works and how this may fit into it"



 Events:

Bingo  ​606 Harvard Preeceville Air Cadets Squadron Sponsoring Committee BINGO. Every Thursday at Club 60. Doors open at 7pm, first game starts at 8pm.





Culture Days The Preeceville Recreation Board is pleased to once again be doing a Culture Days event September 27, 2019. If you are interested in showing your culture, activities, entertainment and/or food please contact Andrea at 306-547-2810.


23rd Annual Great Pumpkin Contest The Preeceville EDC in conjunction with the Preeceville Public Library will be hosting the 23rd annual Great Pumpkin contest on Saturday, September 21st from 10:00 a.m. – 1:00 p.m. at the Preeceville Legion Hall. Categories this year are pumpkin, potato, cabbage, zucchini, onion, carrot, turnip and beet and kids’ category (creative displays of animals or creature using vegetables) as well as Chili and a bun $6. For more information, call 306 547-3444 or 306-547-3118.Entry forms will be available at Shop Easy and The Town Office.

Sept 21st - Dance! 7:30 - 11:30 Hazel Dell Rec Centre - Admission $10:00






 - And as always if you wish to have an event promoted visit and post it to our Community Events  Calendar at www.townofPreeceville.ca

Follow the Mayor on blogspot at http://mayorharris.blogspot.ca/




follow  me on instagram @ http://instagram.com/garthrharris







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Thursday, 12 September 2019

New Car Warranty Issue - Preeceville's Main Street with the Mayor Garth Harris for Thursday September 12th 2019 8:35 am

Working Draft for:

Preeceville's Main Street with the Mayor Garth Harris for Thursday September 12th 2019 8:35 am

With GX94's Craig Wallebeck > see him @ http://www.gx94radio.com/craig-Wallebeck

This week we focus on: New Car Warranty Issue
Struggling With A Manufacturing Defect Or A New Car Warranty Issue?
Released on September 11, 2019
The Financial and Consumer Affairs Authority (FCAA) of Saskatchewan and the Canadian Motor Vehicle Arbitration Plan (CAMVAP) want to remind consumers about CAMVAP’s program and what they can offer Saskatchewan vehicle owners.

About CAMVAP

CAMVAP is a cross-Canada program that you can use to resolve disputes with a manufacturer about alleged defects in your vehicle’s assembly or materials, or how the manufacturer is applying or administering its new vehicle warranty.  Disputes are resolved through binding arbitration.  CAMVAP covers most domestic and imported passenger cars, light trucks, sport utility vehicles, vans and multi-purpose passenger vehicles purchased or leased in Canada, as long as the vehicle is the current model year or one of four previous model year
Qualifying for CAMVAP

There are several requirements to qualify for CAMVAP’s assistance, including that the consumer:
  • has already attempted to resolve the situation with the manufacturer;
  • has given the manufacturer a reasonable amount of time to resolve the situation;
  • confirms that the vehicle in question is from the current or one of the four previous model years;
  • confirms that the vehicle in question is used primarily for personal use;
  • confirms the vehicle in question has less than 160,000 kilometres; and
  • confirms the vehicle in question weighs under 4,536 kilograms.

For the complete list of qualifications, visit CAMVAP’s website at https://www.camvap.ca/about/.

Contact CAMVAP

For more information or if you have questions about CAMVAP, visit www.camvap.ca or contact the CAMVAP Provincial Administrator at 1-800-207-0685.

For more information about vehicle purchases and repairs, visit https://fcaa.gov.sk.ca/consumers-investors-pension-plan-members/consumers/consumers-of-goods-and-services/purchasing-and-repairing-a-vehicle/purchase-and-repair-tips or contact the Consumer Protection Division at 1-877-880-5550 or consumerprotection@gov.sk.ca.

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For more information, contact:

Shannon McMillan, Financial and Consumer Affairs Authority, Regina
Phone: 306-798-4160  Email: shannon.mcmillan@gov.sk.ca

Purchase and repair tips
FCAA's Consumer Protection Division offers free, car-buying seminars throughout the province. If you are interested in a seminar within your organization or community, contact the FCAA at consumerprotection@gov.sk.ca.
For information about purchasing and repairing vehicles select from the options below.


"Buyer beware" applies to consumers who purchase vehicles in private deals. The Consumer Protection and Business Practices Act does not apply to private sales. The seller and buyer can write terms into the contract, including warranties. The contract may be verbal or partly verbal. Verbal claims that the seller makes may give rise to legal rights if something goes wrong. If the vendor claims that the car has a new engine when it does not, for example, the buyer may have the right to rescind the contract or to claim damages.
Here are some steps you can take to protect yourself in a private deal:
  1. Check to ensure you are obtaining clear title to the car. Contact Information Services Corporation toll free at 1-866-275-4721 or by email at ask@isc.ca for a lien (debt) search through the Saskatchewan Personal Property Registry (SPPR). There is a nominal fee for the service.
  2. A lien is a legal claim (debt) against property or goods. If there is a lien against the car, it may be seized to pay off the previous owner's debt. It is the buyer’s responsibility to use the Personal Property Registry to check for liens. If there is a lien registered against the title of the vehicle, go with the seller to the creditor to pay off the amount of the lien or make the cheque payable to the seller and the lien holder. Ask the lien holder to issue a letter indicating the lien has been lifted from the title of the vehicle.
  3. Have Saskatchewan Government Insurance, or another licence issuer, do a search to ensure that the vehicle has been previously registered in the province. There is a nominal fee for the service. If a vehicle has not been previously registered in Saskatchewan, you will be required to have a Vehicle Safety Inspection completed to ensure the vehicle is roadworthy and meets the minimum vehicle safety standards. The search will also tell you if the vehicle has been a previous total loss vehicle (TLV). In order for a TLV to be re-registered, it must pass the safety inspection. Questions can be directed to SGI Vehicle Standards and Inspection at 775-6188 or toll free at 1-800-667-8015, ext. 6188.
  4. Take the car for a test drive to see how it performs.
  5. Open all doors, windows, the hood, and the trunk to ensure they are in working order.
  6. Take the car to a mechanic to have it checked for mechanical and safety problems.

The Canadian Motor Vehicle Arbitration Plan is a program where disputes between consumers and vehicle manufacturers about alleged manufacturing defects or new vehicle warranty issues can be put before a neutral third party (arbitrator) for resolution.

In Saskatchewan, consumers rely upon their motor vehicles. Unfortunately, all mechanical devices will require repair at some point. Automobile problems can be both frustrating and costly. The following tips may help avoid some of the pitfalls that consumers can experience.


It is recommended that you look for a mechanic before your actually need one. Ask for recommendations and request references. Question the mechanic’s reputation and qualifications. Certain repairs may require the expertise of a technician who has been trained to repair a specific brand of vehicle or who may have specialized diagnostic equipment.
It is always recommended that you request services in writing. A repair shop should prepare a work order detailing the services you require. A written estimate is also recommended and should include details about the problem, required parts, and labour costs. Confirm the repair shop's hourly labour rate. Ask if the shop charges a flat rate for labour based upon a published rate or if labour charges are charged on the basis of actual time.
Give the repair shop clear instructions concerning the repairs you require. Describe the symptoms simply and indicate any unusual sounds or performance issues. Do not simply ask the mechanic to "fix the vehicle."
An expensive or complicated repair should be subjected to a second opinion. There may, however, be a charge for diagnostic services, as diagnosing certain problems requires more time and effort than actually correcting them. You may also ask the mechanic if there are alternatives to using new parts, as remanufactured and salvage parts may reduce repair costs. Request that the shop return replaced parts to you.
Review the repair invoice and confirm that it corresponds with your request and estimate. If a warranty is applicable to the repair parts or services, obtain a copy in writing. Road test the vehicle to establish if the defect has been resolved and promptly return to the shop if you identify a service problem.
If you are dissatisfied with the repair, discuss your concerns with the manager or shop owner. If your concerns remain unresolved, contact the Consumer Protection Division for further information concerning your consumer rights.





 Events:

Bingo  ​606 Harvard Preeceville Air Cadets Squadron Sponsoring Committee BINGO. Every Thursday at Club 60. Doors open at 7pm, first game starts at 8pm.




Culture Days The Preeceville Recreation Board is pleased to once again be doing a Culture Days event September 27, 2019. If you are interested in showing your culture, activities, entertainment and/or food please contact Andrea at 306-547-2810.


 - And as always if you wish to have an event promoted visit and post it to our Community Events  Calendar at www.townofPreeceville.ca

Follow the Mayor on blogspot at http://mayorharris.blogspot.ca/




follow  me on instagram @ http://instagram.com/garthrharris






Posted by at No comments:
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