A Financial Checkup

The start of each new year is the perfect time to evaluate your household finances.
By reviewing your finances, you can discover ways to cut back and to save a little more.

A great place to start is to look at your debt to income ratio. Reducing how much you pay in debt interest is a great opportunity to save more each month. Here are some simple formulas to analyzing your financial health:

Total Monthly Debts.
Include mortgage, car, credit cards, line's
of credit and so on.
Total Monthly Income.
Total your monthly net income from
all sources.
Debt Ratio Check Up.
Divide your debt into monthly income.

If 50% or more of your income is going to cover debt then you should consider consulting a certified financial planner to explore ways to reduce the amount of debt you are paying each month.

When you know what your financial health looks like, you are able to make informed, objective decisions and set realistic goals.

At Capital Direct we're here to help and your home can be one of your greatest financial resources.

Quick Note About RRSPs

The deadline for maximizing your RRSP contribution
is February 29, 2016. One of the great things about
RRSPs is that they can help you save a little extra
on your 2015 income tax.

Contribution limits are the lesser of $24,930.00 or 18% of your
earned income for 2015. There are other contribution
considerations to be aware of.

For example, if you haven't made the maximum contribution in other
tax years, that amount can be carried forward.

We recommend that you check with your financial planner, or bank if you're
not sure about how much you can maximize on your RRSP contributions for the 2015 tax year.

Smoothie Recipe

Smoothies are great for packing in nutrition in one quick and easy meal. Here's a recipe loaded with potassium, magnesium, phosphorus, iron, copper, zinc, manganese, and iodine. This smoothie is also great for aiding in the digestion of protein. This is very important if you have young children in the family.

Ingredients
1 thick slice fresh pineapple
1 cup yogurt
1 scoop fiber-rich protein powder
3 ice cubes

Blend all ingredients until smooth.

Give it a try on a busy weekend and see how much the family enjoys it!

Health & Happiness Tip

Getting in shape, losing weight or living healthier seems to be one of the most popular New Years resolutions. Here are 5 good reasons to go for a 20-minute brisk walk today:

Decreases blood pressure

Increases good cholesterol

Improves control of blood sugar

Boosts energy

Promotes better sleep

Let Your House Lend A Hand

“I very much enjoyed talking to Sophia. She was exceptionally well informed about practically everything I wanted to know, and then some. She went beyond the call of duty. I've been able to finalize the sale of my home with better than expected results.”

Peter P., Surrey, BC - December 14, 2015

Valentine's Day
Super Jumble

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T R A E H T E E W S M J D M X

1.ROSE BOUQUET 2.CHOCOLATES 3.ROMANTIC 4.DATE NIGHT 5.SECRET LOVER
6.AMOUR 7.CUPID 8.SWEETHEART 9.ADORATION 10.SWEET VALENTINE

Request our new booklet: Borrowing for Success

How to Borrow What You Need to Succeed Guide

Learn how you can use your home equity to your greatest advantage.
To receive your FREE copy of this informative new booklet, email us at [email protected] with the subject line: “New Guide Request”. Please include your full name and postal address, and we'll send you a copy via Canada Post.