Happy Holidays

We would like to take this opportunity to say thank you and to wish you and your family a Happy Holidays.

From all of us at the Capital Direct family, we wish you well and may the New Year be a wonderful one!

See you in 2013!

Back it Up

With the holiday season upon us, there'll be plenty of photo opportunities and more than one occasion that you'll want to record. It might be a long overdue family get-together or your child's first Christmas concert.

Memories like these are precious and they're something that we want to enjoy later. No matter what the event is or the motivation for capturing it, you want to make sure to preserve it.

A lot of pictures and video we record these days is done on our phones or digital cameras. These devices record these moments and store them internally as data. We then transfer this data onto our home computer.

Our home computers usually have a lot of information stored on them. Along with the data we transfer from our phones or cameras, they may also store financial, medical or career information.

Computers do crash. What would happen to all that information if yours crashed? The easiest way to make sure all the information on your computer remains safe is to make a backup of it. One reliable way to do that is to use an external drive.

External drives are storage devices that connect to your computer by USB. They often contain built-in software to backup all the files and folders automatically. These devices are affordable, portable and can hold enormous amounts of data. This is probably the easiest way to make a backup of your computer.

The best advice is to visit your local computer store and talk to one of the computer specialists. Let them know if you have a Mac or PC and what kinds of files you want to back up. If you aren't sure about something, such as what a USB is or how to connect the external drive, be sure to ask them.

The peace of mind that comes from knowing all those memory-making moments are safely backed up is worth every dollar you'll spend. Next time, we'll explore another alternative for backing up information in "the cloud."

Stress Free Shopping

It seems almost impossible not to "put it on plastic" at this time of year – especially if you've left your Christmas shopping to the last minute! Christmas is one of those times of year when money can be a real stress – who needs it?

Here are three simple things you can do to help alleviate some of the money-related stress that can rack up at this time of year.

  • Brown bag it for lunch and use the leftovers from dinner. Cutting back on how often you go out for lunch during the week will add up to some significant savings.
  • Try to make a gift list and organize it so that you don't find yourself simply buying whatever seems the easiest.
  • Instead of family get-togethers at restaurants, plan a potluck dinner. Potluck dinners can be some of the richest moments we can share together.

You should be enjoying the season, not worrying about money, but if you are, then take a moment and re-orientate yourself to what matters most.

Making Money Simple

When Bruce K. of Calgary, Alberta decided it was time to stop paying so much interest on debt, he contacted Capital Direct. Bruce explains, “I wasn't sure how this would work, but my consultant explained how a home equity loan worked in detail.”

Now Bruce and his family's finances are simplified into a single monthly payment. “For us, the benefit of dealing with Capital Direct was getting a very manageable mortgage payment that allows us to get out of debt sooner,” Bruce says.

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.

“ For our goals,
Capital Direct was
the best choice. ”

December Jumble

  1. TNAAS
  2. OETPTSINIA
  3. NDROSWITF
  4. ANSOMWN
  5. OFRYTS
  6. RPRSUIES
  7. EYKRTU
  8. THO OHCCLOETA
  9. EDSIDNLG
  10. LENJIG LEBSL










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Visit us at www.CapitalDirect.ca for more information.
Mortgage Broker Licence Numbers: Ontario 10549 / Admin 11408; BC X026311MMB; Alberta MW-9811291; Nova Scotia 10769862.
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