Carpet Care 101

The flooring in your home is one of the more significant purchases that you will make as a homeowner. Though hard surface flooring like laminates are widely used in housing, carpets are still a main flooring material in most Canadian homes.

Carpeted flooring offers homeowners a number of benefits:

Carpet increases the R-value (insulation)
of the room where it's installed.

Carpet is an excellent sound dampener for
an enter tainment room.

Carpet helps to maintain air quality of the
space by acting as a filter.

When it comes to caring for carpets, the typical approach is to clean the area when it appears visibly soiled. For newly installed flooring, if you wait until the carpet looks like it needs to be cleaned, you've probably exceeded the manufacturer's warranty.

Regardless if you ever exercise the warranty of newly installed flooring, you should consider professional carpet cleaning as par t of your home's annual upkeep and maintenance. It's really no different than changing the oil on your car – you wouldn't wait until the oil is thick full of dir t before taking it in to the ser vice station, would you?

Sunny Summer Tips

For most of us, when we see "waterproof" on a bottle of sunblock, we don't stop to question it. The fact is, though, waterproof doesn't really mean waterproof.

Sun block products have made considerable improvements in that they adhere better to your child's skin. Regardless of the claims, though, you will have to reapply the lotion throughout the day. If you and your children are active, playing in and out of the water, you should be reapplying every couple of hours

Here are some general rules to follow. If the product you're using says "waterproof" or "very water resistant" on the label, you should reapply every 80 minutes. For labels saying "water resistant" you should reapply every 40 minutes.

Start the Day Right

Studies show that you not only feel better, but also that you perform optimally if you start the day with a little something for breakfast.

We skip breakfast for too many reasons: we’re running late, need to take care of the kids, and so on. Sometimes skipping breakfast is used as a strategy for losing weight, but it’s not a good one. Having breakfast benefits our weight loss plans. People who eat breakfast maintain a healthier weight.

A healthy breakfast each day doesn’t have to be complicated or time consuming. It’s as simple as a bowl of high fibre cereal, some fruit, or a boiled egg and a piece of multigrain toast. The key to a healthy breakfast is to include some protein and some fibre.

There’s no time like the present to make a healthy lifestyle change. Why not star t today?

A Straight For ward Solution

     Mark D. of Calgary, Alberta had dealt with Capital Direct
       before. “It was natural to go back to Capital Direct when
           I needed some extra money,” Mark says. Mark was
              getting his home ready to sell and he wanted to
                do some renovations to it.

“The banks are just so rigid about the rules with a home equity loan,” Mark explains. Capital Direct helped Mark get the home equity loan he needed to complete the renovations and increase the value of his property.

“ The banks are just so rigid with the rules. ”

Every month, Capital Direct helps Canadians just like you to realize their dreams. What about you? Your home equity is something you've worked hard to build, so why not 'let your house lend a hand' © when you need it most! Contact a Capital Direct mortgage specialist to discover your options.

Summer Sudoku

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3	7
5	9

	5

8	1	2

6		9
	1
7	4


3		9

	1	4
	6
9		3

1	7	6

	3

	9	2
	3	8
4

Click here to view the solution

Capital Direct's Eco-friendly Calculator

Do you know how large your home’s eco-footprint is? Under the ecoEnergy Retrofit program, homeowners can take advantage of available grants when improving the energy efficiency of their home. Not only will you be reducing your home's energy consumption but you can receive money back through available grants.

Visit Capital Direct's Eco-friendly Calculator online at, https://www.capitaldirect.ca/eco-calculator. Calculate the environmental impact of your household and find out ways of reducing it, then give us a call to learn how we can help you apply for available retrofit grants.

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.