You can use your home equity to pay for education. With the skyrocketing cost of post-secondary education and higher incomes that don't qualify for special grants and student loans, this is a popular solution. You can also use your home equity to open an RESP and make before tax contributions.
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Balance Archive
OCTOBER 2025 - Issue 219 - SIGNS YOUR ROOF NEEDS REPAIR BEFORE WINTER HITS
When it comes to home maintenance, few things are as important—or as easy to overlook—as your roof. As weather shifts into cooler, wetter months, now is the time to catch small roofing issues before they become big, expensive problems...
Read Issue 219 »
SEPTEMBER 2025 - Issue 218 - 5 THINGS TO DO WITH YOUR HOME EQUITY THIS FALL
As the kids head back to school and routines fall into place, September is a great time to take stock of your finances and home goals. If you’ve built up equity in your home, you may have more financial flexibility than you think...
Read Issue 218 »
AUGUST 2025 - Issue 217 - SMART HOME FIXES TO TACKLE BEFORE FALL BUDGET BLOWOUT
Late summer is the perfect time to tackle small home maintenance projects that can pay off in a big way come winter. A few simple tasks now can help reduce your heating bills, prevent costly repairs, and keep...
Read Issue 217 »
JUNE 2025 - Issue 216 - SMART SUMMER SPENDING: TRAVEL & PROJECTS WITHOUT THE BUDGET BLOWOUT
Summer is a time to enjoy life—whether that means taking a well-earned vacation or finally tackling that home project...
Read Issue 216 »
JUNE 2025 - Issue 215 - SUMMER PROJECTS THAT ADD VALUE TO YOUR HOME
Warm weather is prime time for home upgrades—especially ones that improve comfort now and add value later....
Read Issue 215 »
MAY 2025 - Issue 214 - MAY GARDENING FOR ANY SPACE
Whether you’ve got a big backyard or just a sunny balcony, May is a great time to bring a little greenery into your life. Gardening doesn’t have to be a big commitment—just a few
well-placed plants can...
Read Issue 214 »
APRIL 2025 - Issue 213 - WHERE TO SPLURGE FOR A THRIVING YARD
Eager to refresh your gardens as the weather warms up? With so many tools, plants, and products available, where’s the best place to invest?
Read Issue 213 »
MARCH 2025 - Issue 212 - 10 OVERLOOKED SPOTS TO TACKLE DURING SPRING CLEANING
Spring cleaning isn’t just about tidying up—it’s about tackling those hidden, often-forgotten spots where dirt and grime build up over time...
Read Issue 212 »
FEBRUARY 2025 - Issue 211 - FENG SHUI FOR A LOVE-FILLED HOME
Your home is more than a place to live—it’s a reflection of your energy and relationships. Applying feng shui principles throughout...
Read Issue 211 »
JANUARY 2025 - Issue 210 - NEW YEAR, SMART BUDGET: TIPS TO START THE YEAR RIGHT
The New Year is the perfect time to hit “reset” on your finances and create a household budget that works for you. Whether you're recovering from holiday expenses or planning for a...
Read Issue 210 »
DECEMBER 2024 - Issue 209 - SHINE BRIGHT, SAVE ENERGY
Holiday lights are a beloved tradition, but they don’t have to come with a hefty electricity bill! Here are some easy, energy-efficient ways to brighten your home while keeping energy use...
Read Issue 209 »
NOVEMBER 2024 - Issue 208 - IS YOUR BASEMENT AIR FALL-READY?
As the weather cools, keeping your basement air fresh can be a challenge. Here are some small adjustments that can keep your basement fresh and...
Read Issue 208 »
OCTOBER 2024 - Issue 207 - FALL DECOR
IDEAS THAT WON’T BREAK THE BANK
As the leaves start turning and the air gets crisper, there’s no better time to add a little autumn charm to your home...
Read Issue 207 »
SEPTEMBER 2024 - Issue 206 - BREATHE EASY THIS FALL
Now that summer is winding down and we’re all starting to spend more time indoors, it’s the perfect time to think about the air we’re breathing inside our homes. Creating a healthy indoor environment is key to staying comfortable, reducing stress, and keeping those fall allergies at bay...
Read Issue 206 »
AUGUST 2024 - Issue 205 - SHIELDING YOUR HOME FROM SUN DAMAGE
Prolonged sun exposure can have significant impacts on various parts of your home. Understanding these effects and taking preventative measures can help maintain your property’s appearance, functionality, and value...
Read Issue 205 »
JULY 2024 - Issue 204 - BEAT THE HEAT: Cool window solutions
Is the summer heat making you sweat at home? No matter your budget, and whether you prefer DIY or professional help, there’s a perfect solution to keep the summer heat outside where it belongs...
Read Issue 204 »
JUNE 2024 - Issue 203 - VACATION HOME ECONOMICS
So, you've been crunching the numbers and daydreaming about that cozy cabin nestled in the mountains or that breezy beach house with panoramic ocean views...
Read Issue 203 »
MAY 2024 - Issue 202 - Creating Home Harmony with Feng Shui
Feng shui, an ancient Chinese practice, offers insights into creating harmony and balance in your living space. By understanding and practicing its principles, you can transform your home into a sanctuary of positive energy and well-being...
Read Issue 202 »
APRIL 2024 - Issue 201 - Renovate and Save: Exploring Tax Deductions and Credits for Home Improvements
Did you know that renovating your home could potentially save you money on your taxes? Many Canadian homeowners are unaware of the various tax deductions and credits available to them when making improvements to their properties...
Read Issue 201 »
MARCH 2024 - Issue 200 - Green Thumb or Pro Touch: navigating diy gardening and professional landscaping
As spring breathes new life into our outdoor spaces, you may find yourself eager to spruce up your garden and landscape. While many enjoy getting their hands dirty with DIY projects, it's
important to know...
Read Issue 200 »
FEBRUARY 2024 - Issue 199 - RELATIONSHIPS, MONEY: A HARMONIOUS FINANCIAL GUIDE
With Valentine's Day on the horizon, navigating financial waters in committed relationships, whether married or common-law, becomes increasingly vital...
Read Issue 199 »
JANUARY 2024 - Issue 198 - EMBRACE THE NEW YEAR WITH FINANCIAL RESILIENCE
As we welcome a new year, it's the perfect time to fortify your financial fortress and head into 2024 with confidence. Here's your guide to boosting your financial resilience, paving
the way for...
Read Issue 198 »
DECEMBER 2023 - ISSUE 197 - SPREADING CHEER AND SUSTAINABILITY: A GIFT-GIVING GUIDE
As we dive into the joyful world of gift-giving, let’s remember that the holidays also give us the opportunity to make a positive impact on our beloved planet by embracing sustainable and meaningful gifts...
Read Issue 197 »
NOVEMBER 2023 - ISSUE 196 - CANADA: THE PERFECT PLACE TO SOAK UP AUTUMN'S BEAUTY
Canada's diverse landscapes bring a ton of exciting travel opportunities in the fall season. Whether you're an outdoor enthusiast, a foodie, or just looking for some cultural vibes, here are some fall travel ideas right here in our own backyard...
Read Issue 196 »
OCTOBER 2023 - ISSUE 195 - GET YOUR HOME WINTER-READY: PREPARING FOR COZY, ENERGY-EFFICIENT WINTER MONTHS
As the leaves change color and the temperature begins to drop, it's time to think about winterizing your home. Preparing your house for the colder months not only ensures a warm and cozy living space...
Read Issue 195 »
SEPTEMBER 2023 - ISSUE 194 - LOW COST, HIGH IMPACT UPGRADES TO TRANSFORM YOUR HOME
Sprucing up your home doesn't need to be a massive project. Small home improvements can pack a punch! Whether it’s a splash of fresh paint, new cabinet hardware or smart lighting, these subtle changes harmonize to produce an impactful upgrade to any home...
Read Issue 194 »
AUGUST 2023 - ISSUE 193 - EMBRACE THE SUMMER SPLURGE
Summer is the season to recharge and rejuvenate. With longer days, warmer weather, and a relaxed vibe, it’s brimming with possibilities for reinvigorating our bodies and souls...
Read Issue 193 »
JULY 2023 - ISSUE 192 - A HEALTHY OUTLOOK
Making healthy choices can be challenging. Our calendar always seems to be full — people to see, places to go and things that need to be done. Planning for healthy meals, let alone
setting aside even 30 minutes a day for physical activity seems aspirational at best.
Read Issue 192 »
JUNE 2023 - ISSUE 191 - COMPOSTING FOR CANADIANS
Composting is one way we can all contribute to maintaining the health of our communities and the ecosystems we call home.
Read Issue 191 »
MAY 2023 - ISSUE 190 - SPRING PLANTING CHECKLIST
Spring is here. Your garden is waking up. It's time to start planting, pruning, and preparing your flower beds.
Read Issue 190 »
APRIL 2023 - ISSUE 189 - YOUR SPRING CLEANING CHECKLIST
Exercise Daily. Get outside, go to the gym or jump in the pool. To realize the benefits of regular exercise you need to do it daily for at least an hour. You don't need to overexert. Moderate physical activity will result in benefits. You might have to do a higher-level intensity workout if you have a goal of losing weight.
Read Issue 189 »
MARCH 2023 - ISSUE 188 - SIMPLE TIPS FOR FITNESS SUCCESS
Exercise Daily. Get outside, go to the gym or jump in the pool. To realize the benefits of regular exercise you need to do it daily for at least an hour. You don't need to overexert. Moderate physical activity will result in benefits. You might have to do a higher-level intensity workout if you have a goal of losing weight.
Read Issue 188 »
FEBRUARY 2023 - ISSUE 187 - COLD SNAP HOME MAINTENANCE
Ideally you got ahead of the game and have already winterized your home and property. For some Canadians the winter has caught us off guard. Temperatures have been far below seasonal norms. Snowfall has also exceeded averages in many regions across the county. Even if you prepared for
the winter season, this is a good time to check-in around the house.
Read Issue 187 »
JANUARY 2023 - Issue 186 - CONVERSATIONS FOR THE NEW YEAR
New Years is the classic time for starting fresh, for evaluating and fine tuning the things that matter the most to us. This is a time that many of us look deeply at the direction we’re taking with our lives in the coming year. It can be about the next steps in our careers, or the goals and objectives we have as a family.
Read Issue 186 »
DECEMBER 2022 - Issue 185 - THANKFULNESS & GRATITUDE
Studies have shown that feeling thankful can improve sleep, mood and immunity. Gratitude can also decrease depression, anxiety, difficulties with chronic
pain and risk of disease.
Read Issue 185 »
NOVEMBER 2022 - Issue 184 - ‘TIS THE SEASON
Here's a Christmas cookie recipe that is simple to make so you can enjoy Christmas - the way it's meant to be. All you need is a few ingredients, a few minutes, and maybe a few extra little fingers to help out! :D
Read Issue 184 »
OCTOBER 2022 - Issue 183 - WINTER IS COMING
Winter is just around the corner. Here are 3 tips to help you start getting your mind around winterizing for the coming season.
Read Issue 183 »
SEPTEMBER 2022 - Issue 182 - PREPARING FOR SUCCESS
According to some research, late spring and early summer are the best times of year to put your home up for sale. Maybe your situation has changed and you need to relocate for work. Or, maybe you’ve decided it’s time to finally buy that dream property.
Read Issue 182 »
AUGUST 2022 - Issue 181 - SUMMER FUN IDEAS
All you need is some creativity, a little space, and sunshine for some summer fun! Here’s a list of easy to do activities great for the whole family.
Read Issue 181 »
JULY 2022 - Issue 180 - WHAT SHOULD I CHOOSE? ELECTRIC VS. GAS MOWERS!
It wasn’t that long ago you simply decided which brand of gas mower you wanted. Things have changed! We now have far superior battery technology and corded electric mowers that offer a viable alternative to gas mowers.
Read Issue 180 »
JUNE 2022 - Issue 179 - KICK OFF TO A GREAT SUMMER!
June is the month to kick off summer! The weather is warmer. The kids will be off school. This is a month when many of us have planned some of our summer vacation time.
Read Issue 179 »
MAY 2022 - Issue 178 - PLANNING THE BEST SUMMER VACATION EVER
Bring on the summer! If you’re like many Canadians and you’re thinking about summer vacations, then there’s no time like now to start planning.
Read Issue 178 »
APRIL 2022 - Issue 177 - FOODS THAT HEAL
Inflammation plays a critical role in maintaining our immune system. While it is one of our body’s natural defenses, it can seriously impact our health if it becomes chronic. One of the ways that you can control inflammation is through the food you eat.
Read Issue 177 »
MARCH 2022 - Issue 176 - WELCOMING BACK THE WARMER WEATHER
A new growing season is underway. Spring is here. Are you ready? Here’s a to-do list to help you get the garden in order.
Read Issue 176 »
FEBRUARY 2022 - Issue 175 - WINTER—WE’RE STILL DEEP IN IT
It doesn’t matter if you’re on one coast or the other, or smack dab in the middle—it’s still winter in Canada. We’ve had Arctic outflows, atmospheric rivers and bone chilling temperature lows.
Read Issue 175 »
JANUARY 2022 - Issue 174 - A HEALTHY WELCOME TO 2022
The first month of a new year is always a great jumping off point for starting fresh. Even if it’s not on your new year’s resolutions list, this is a great time to rethink your approach to wellness. Who doesn’t want to be as healthy as they can, and imbue their life with a new sense of purpose?
Read Issue 174 »
DECEMBER 2021 - Issue 173 - GETTING READY FOR THE NEW YEAR
The last few weeks of the year are a great time to start switching attention to what’s to come—a new year! This time of year can be full of holiday and seasonal things to do. But most of us can find some time to start taking the first few steps to prepare for the new year. Taking this time can go a long way to getting you off to a great start. Here are a few ways that you can prepare for 2022!
Read Issue 173 »
NOVEMBER 2021 - Issue 172 - GETTING READY FOR CHRISTMAS
It feels like we’re just getting back into the groove with the change of seasons from summer to fall. The kids are back to school. Halloween has come and gone...and we’re talking about Christmas already?
Read Issue 172 »
OCTOBER 2021 - Issue 171 - MONEY MANAGEMENT MADE EASY
In the last issue we looked at financial fitness starting with your credit score. Your credit score is calculated based on your credit
history — payment history, amount of debt, and the length of your credit history. A healthy credit score can benefit you in many ways, like if you’re looking for a mortgage.
Read Issue 171 »
SEPTEMBER 2021 - Issue 170 - FINANCIAL FITNESS 101
Similar to your physical health — weight, blood pressure, cholesterol, etc. — you should keep track of your financial health too. One key area to stay on top of is your credit score.
Read Issue 170 »
AUGUST 2021 - Issue 169 - BEAT THE HEAT
This summer has already seen record breaking temperatures across the country. It’s crucial to know how to keep yourself cool, so here are some top tips for keeping cool as we move into the last part of the summer months.
Read Issue 169 »
JULY 2021 - Issue 168 - BARBEQUE MAINTENANCE CHECKLIST
How do you maintain a BBQ? The season of grilling is upon us! If you haven’t yet, this is the time to clean up your barbeque. Here’s some key tips for maintaining your grill.
Read Issue 168 »
JUNE 2021 - Issue 167 - TIPS FOR THIS SUMMER
Here are some helpful reminders to help you and the family make the most of this summer.
Read Issue 167 »
MAY 2021 - Issue 166 - HOME MAINTENANCE CHECKLIST
With winter departed this is a great time for a home maintenance check-up. To help you get started here’s the top three priority areas around your home that need inspection.
Read Issue 166 »
APRIL 2021 - Issue 165 - SPRING INTO ACTION
April is the second month of spring, and for Canadians it is a good month to start planning for the spring planting. Make this is the year you start a veggie patch!
Read Issue 165 »
MARCH 2021 - Issue 164 - TIME TO TAKE STOCK
March 1st was the deadline for making any additional 2020 contributions to your RRSP. Here's hoping you were able to take full advantage of your RRSP this past year.
Read Issue 164 »
FEBRUARY 2021 - Issue 163 - TAX TIME TIPS
Under normal circumstances keeping your tax records in order can be challenging. Now factor in COVID-19. The activity could even become more complicated.
Read Issue 163 »
JANUARY 2021 - Issue 162 - THE RIGHT FOOT?
Getting off on the right foot is a worthwhile endeavor - especially after the year we’ve all just come through. Maybe you’ve already started to lay plans for the new year? Or maybe
you’ve been thinking about it? No matter what stage you might be at, here’s some useful tips to help you with the process.
Read Issue 162 »
DECEMBER 2020 - Issue 161 - READY FOR 2021?
2020 has been a year unlike any other in the recent past - a year many are happy to put behind us. Let's make sure we look upon the new year with renewed hope and aspirations for
wonderful things to come. To help with this we'd like to share some other ideas to prepare you for 2021.
Read Issue 161
NOVEMBER 2020 - Issue 160 - A REMINDER ABOUT COVID 19
It’s likely that flu viruses and the virus that causes COVID-19 will both spread this fall and winter. Healthcare systems could be overwhelmed treating both patients with flu and patients with COVID-19.
Read Issue 160
OCTOBER 2020 - Issue 159 - HALLOWEEN SAFETY TIPS
This year has been like no other in terms of how the pandemic has changed the way we do things. Halloween is such a great time for the family to have some fun together, and there’s no reason why we can’t continue this tradition — it just might look a little different this year.
Read Issue 159
SEPTEMBER 2020 - Issue 158 - WORKING REMOTE IS WORKING
This year has been unlike any other for Canadians. In the early months of 2020, the COVID-19 virus took hold of the world. The pandemic has impacted everyone globally, and affected society in a wide range of ways.
Read Issue 158
AUGUST 2020 - Issue 157 - STRONG & HEALTHY
Canadians have been doing relatively well with managing the transmission of COVID-19. We must continue to be vigilant with our pandemic best practices. You should also
ensure that you’re as strong and healthy as you can be. Being strong and healthy means your immune system can function optimally.
Read Issue 157
JULY 2020 - Issue 156 - RESIDENTIAL FIRE SAFETY
According to Statistics Canada over a 3 year period between 2012 - 2014 there were, on average, 12,271 residential fires per year - that’s over 30 per day!
Read Issue 156
JUNE 2020 - Issue 155 - COVID-19 FINANCIAL RESOURCES FOR CANADIANS
The global COVID-19 outbreak has created hardship for many Canadians. The Government of Canada has been actively working to provide individuals and businesses with support. In this issue of balance we wanted to highlight some of these programs.
Read Issue 155
MAY 2020 - Issue 154 - KEEP IT SIMPLE — STAY HEALTHY!
Staying healthy during these trying times is top-of-mind for everyone. The Capital Direct family hopes that you and your family are being safe and staying healthy.
Read Issue 154
APRIL 2020 - Issue 153 - GET YOUR GARDEN READY FOR SPRING
Maybe you have a new flower bed you’re planning, or you’re renovating an older one. Maybe it’s your raised garden bed. It doesn’t matter what kind of garden you have, you’ll
want to start getting ready for the new growing seasons.
Read Issue 153
MARCH 2020 - Issue 152 - HEALTHY HABITS TO FIGHT THE FLU
A recent outbreak of a flu-like virus has been causing alarm around the world. So, we wanted to share some common sense tips and healthy habits. Follow these best practices to help fight against the spread of viruses, colds and overall nasty bugs.
Read Issue 152
FEBRUARY 2020 - Issue 151 - MID-WINTER HOME MAINTENANCE!
Winter can be hard on our homes. Depending on where you live, it can be the extreme of freezing temperatures, or seeming torrential downpours of water.
Read Issue 151
JANUARY 2020 - Issue 150 - HAPPY NEW YEAR 2020!
The new year is such a great time! It’s a time of renewal, and can be a good time for starting something new.
Read Issue 150
DECEMBER 2019 - Issue 149 - SEASON’S GREETINGS
Over the past year, we’ve shared several articles about mindfulness. This time of year it’s more critical than any other time of year to practice mindfulness.
Being mindful will help combat stress and bring joy into your life — and the lives of others!
Read Issue 149
NOVEMBER 2019 - Issue 148 - WINTER PREPAREDNESS - IT'S NOT TOO LATE
Depending where you call home in this great country, you might already be headlong into winter. Whether you live on the West Coast or your postal code starts with M3C, it's not too late to make sure you're prepared. Here's a winter ready checklist that is worth reviewing now...before we get deep into the season.
Read Issue 148
OCTOBER 2019 - Issue 147 - DIGITAL WISE PART 2
Helping Our Kids Navigate the Digital World - Raising a family can almost feel like rocket science some days. Today’s families have the added dimension of raising children in a very digital world.
Read Issue 147
SEPTEMBER 2019 - Issue 146 - BE DIGITAL WISE
Tips for Digital Security & Privacy. September can be hectic. Your day-to-day can change with back-to-school routines, and even your work routine can morph as people are back from summer vacations, projects pick up, etc.
Read Issue 146
AUGUST 2019 - Issue 145 - MIND YOURSELF
We all live busy lives — ours is a busy world after all. Our minds are constantly pulled in one direction and then another. Over time, this can lead to scattered thoughts and emotions, and it can leave us feeling stressed and even quite anxious.
Read Issue 145
JULY 2019 - Issue 144 - HOT TIPS FOR STAYING COOL
Canadians aren’t strangers to really hot temperatures, but it's nearly impossible to predict the weather - though some try to forecast it! Regardless of whether or not you can divine the climes, here are some tips to help stay cool when the mercury rises.
Read Issue 144
JUNE 2019 - Issue 143 - JUMP START YOUR SUMMER
June is the month where many Canadians feel like they can really kick off summer! There’s something about the warmer temperatures and longer days that has such a positive impact on us.
Read Issue 143
MAY 2019 - Issue 142 - PRESENCE OF MIND
According to Statistics Canada, 2018 was a stressed out year for Canadians - 73% of all working adults aged 20 to 64 report at least some level of stress. This probably isn't that shocking considering our busy day-to-day lives. Our minds are constantly being pulled from pillar to post. The world many of us live in is quite hectic and can leave us feeling stressed and at times quite anxious.
Read Issue 142
APRIL 2019 - Issue 141 - YOUR HEALTHY BRAIN
Stress and anxiety issues are a serious concern for Canadians. According to Statistics Canada, 1 in 5 Canadians will experience mental health issues in their lifetime. Mental health doesn't mean mental illness. In fact, mental health is just like physical health - we all have it.
Read Issue 141
MARCH 2019 - Issue 140 - BEYOND YOUR RRSP
In last month's issue, we shared helpful information about making the most of this year's RRSP contributions. RRSPs can give you a significant financial advantage. In this issue, we'd like to bring your attention to another strategy — paying off high interest debt. It's a relatively simple concept to understand, but can have a tremendous impact on your financial future.
Read Issue 140
FEBRUARY 2019 - Issue 139 - ARE YOU MAXIMIZING YOUR TAX SAVINGS?
RRSPs can give the average Canadian a huge financial advantage. The money you contribute to your RRSP is tax deductible. So in addition to putting away funds for your future, you can gain the immediate benefit of reducing the taxes you pay this year.
Read Issue 139
JANUARY 2019 - Issue 138 - HAPPY 2019!
Have you started on your New Year's resolutions? Many of us can be very keen about making resolutions, but likewise, for many of us keeping them can be challenging.
Read Issue 138
DECEMBER 2018 - Issue 137 - 3 GREAT THINGS ABOUT CHRISTMAS
With Christmas fast approaching, this can be one of the most exciting times of the year. It's an especially fun time of year for kids, and the young at heart. We've been talking to family and friends and here are 3 of the most common ‘greatest things about Christmas’.
Read Issue 137
NOVEMBER 2018 - Issue 136 - THE ROOF OVER YOUR HEAD
Winter is here, and with it the inevitable chilly, wet and snowy weather. This is the time to look at winterizing your home. The number one place to start your home winterization is with the roofing system. Here are some tips to follow for winterizing your roof.
Read Issue 136
OCTOBER 2018 - Issue 135 - "I'M BUSY"
How many times have you heard the response 'I'm busy'? Or, how often have you said it yourself?
Read Issue 135
SEPTEMBER 2018 - Issue 134 - STEER CLEAR OF STRESS
September ends summer vacation and ushers in a new year of school. Whether it's the first year at university, or a move from grade 9 to 10, there's no denying that this time of year can be both exciting and stressful too.
Read Issue 134
AUGUST 2018 - Issue 133 - SUMMER SAFETY FOR THE KIDS
Summer is in full swing! Here are some tips to help keep your kids safe this summer.
Read Issue 133
JULY 2018 - Issue 132 - A HEALTHY HOME
Maintenance is a key part of home ownership. Regular maintenance ensures that your home is a safe and healthy place for your family - it also helps to protect your investment.
Read Issue 132
JUNE 2018 - Issue 131 - A HEALTHY OUTLOOK
There's a common feeling that many of us share: being pulled in different directions. In our busy and demanding lives, one area that often suffers neglect is our health. Making healthy choices isn't always easy, and setting aside even 30 minutes a day for physical activity can often be a challenge.
Read Issue 131
MAY 2018 - Issue 130 - 72 HOURS - ARE YOU PREPARED?
Being prepared for an event where you might have to go without basic services for 24 hours or longer is a real possibility for some Canadians. Being prepared for 72 hours is the recommended standard for Canadians.
Read Issue 130
April 2018 - Issue 129 - PAY IT DOWN FASTER
Maybe this is your first mortgage, maybe it's not, but here are 4 easy to use strategies for paying off your mortgage faster:
Read Issue 129
March 2018 - Issue 128 - FOOD FOR THOUGHT
This year, we started out by sharing some tips and best practices for getting your finances in shape. In this issue, we'd like to share an effective way for Canadians to save a little more each month - on the grocery bill.
Read Issue 128
February 2018 - Issue 127 - A BALANCED HOUSEHOLD
Last issue, we started out the new year with some steps to financial fitness.
We looked at four key questions to evaluate your overall financial health.
Read Issue 127
January 2018 - Issue 126 - FINANCIAL FITNESS
The start of the New Year is a great time to begin setting goals and making plans for your financial fitness. The first step is to figure out where you stand. Many Canadians don't have a clear and accurate view of their whole financial picture. To move forward with a financial plan, you need to know what's happening now. Here are four key questions to ask yourself as part of your financial evaluation.
Read Issue 126
December 2017 - Issue 125 - SEASON'S GREETINGS
We would like to take this opportunity to say Happy Holidays to you and your family from all of us at Capital Direct. May 2018 bring you health and prosperity and may it be a year that exceeds your expectations. We wish you a Merry Christmas and a Happy New Year!
Read Issue 125
November 2017 - Issue 124 - LET'S WINTERIZE
It's time to get ready for winter, so let's be proactive and get started on household winter prepping tasks now! Here are a few tips to help you ensure your home and property are weather ready for the winter.
Read Issue 124
October 2017 - Issue 123 - TIME TO GET SPOOKY
All Hallows' Eve is a time of year when both young and old can come together and have fun. Depending on your neighbourhood, your whole block may get involved in the festivities.
Read Issue 123
September 2017 - Issue 122 - ORGANIZE YOUR HOME IN 1, 2, 3...
Dual Purpose. When you're buying any new furniture, choose pieces that can double as a place to store things like extra blankets and cushions.
Read Issue 122
August 2017 - Issue 121 - GOOD GRILLING
In our July issue, we shared a quick tip to make you look like the master of the grill with a simple recipe for homemade BBQ sauce.
Read Issue 121
July 2017 - Issue 120 - LOOK LIKE A PRO
Being prepared is the key to looking like a pro around the grill. Even if you've run out of your favourite brand of BBQ sauce, you probably have the base ingredients in your fridge to make a sauce that's perfect for any grilling.
Read Issue 120
June 2017 - Issue 119 - TO GRILL OR NOT TO GRILL
The griller's domain is outdoors and the season in now! No matter what size of outdoor entertainment area you have, there are great solutions available for the grilling enthusiast. Here are some common types of BBQ that you'll be familiar with: gas, charcoal, and electric.
Read Issue 119
May 2017 - Issue 118 - COMPOSTING REFRESHER
Each year as we head into the spring and summer, we like to get outside and start working in the garden. Here is a quick refresher on backyard composting.
Read Issue 118
April 2017 - Issue 117 - SPRING IS HERE
Many of us have just made it through a long and irregular winter. Spring is the time of year when we start getting outside more often. This is also the time of year when we tackle spring-cleaning chores around the home and yard.
Read Issue 117
March 2017 - Issue 116 - SIMPLE SUPERFOOD RECIPE
A recent Greatist.com article, 25 Greatist Superfoods and Why They're Super. is loaded with information that might just change the way you think about nutrition and your health. We encourage you to read it.
Read Issue 116
February 2017 - Issue 115 - JOIN THE RESISTANCE!
Resistance bands, also known as fitness bands or exercise bands, come in a variety of sizes, tensions and colour. They are a great exercise tool for the home or office, and are very easy to use and store.
Read Issue 115
January 2017 - Issue 114 - HAPPY 2017!
It's seems only natural that each new year brings with it a desire to change and optimism for better things to come! Here, we'll kick off the new year with some nuggets of information in two areas of life that almost all of us share - fitness & finance.
Read Issue 114
December 2016 - Issue 113 - CELEBRATE THE HOLIDAYS
For many Canadians, celebrating the holidays at Christmas has been a family tradition for multiple generations. Families come together to reconnect and catch up, share great food and hopefully make some more great memories. Sometimes, though, this can also be a time when stress levels get elevated. Here are some tips to help you during the holidays.
Read Issue 113
November 2016 - Issue 112 - REMEMBER
Remembrance Day commemorates the armistice signed between the Allies and Germany in World War I. The armistice ended the hostilities on the Western Front, and it took effect at 11:00 am - the "eleventh hour of the eleventh day of the eleventh month." Originally it was known as Armistice Day, but in Canada the national holiday is officially called Remembrance Day.
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October 2016 - Issue 111 - PROPER POSTURE
Many of us sit or stand for long periods of time, and this can lead to serious issues with our health and happiness. Proper posture, on the other hand, can help reduce or avoid back pain along with providing many other benefits.
Read Issue 111
September 2016 - Issue 110 - SUPERHERO FOODS
Inflammation, in a simplified way, is our bodies' natural defence to dealing with harmful stimuli. It plays a critical role in maintaining our immune system and a healthy vascular system.
Read Issue 110
August 2016 - Issue 109 - TIPS, TRICKS & TACTICS
It's time to get ready for another school year! The sooner you get ready the more time you will have to enjoy the rest of your summer vacation. Plus, you get to skip out on running around frantically trying to get ready!
Read Issue 109
July 2016 - Issue 108 - SUMMER IS HERE!
We're full swing into summer now and we hope you're making the most of it. For Canadians across this country it's a great time of year; even if you love the winter sports, nothing compares to summer in Canada!
Read Issue 108
June 2016 - Issue 107 - PRO GARDENER'S TIPS
Watering regularly and optimally is one of the key tips for gardeners, so here are 3 tips to keep your garden hydrated and thriving this summer.
Read Issue 107
May 2016 - Issue 106 - THE BASICS OF COMPOSTING
Canadians have the opportunity to make a significant contribution to the future health of our country and our community, and composting is one way we can all help.
Read Issue 106
April 2016 - Issue 105 - SPRING CLEANING TIPS
Spring symbolizes that time of year when we do our annual cleaning. Here are a few tips to help you with your spring cleaning.
Read Issue 105
March 2016 - Issue 104 - A HEALTHY START
Now is a great time to renew your commitment to living healthier in 2016. Maintaining our health is so important: when our health is optimal, we are able to live life to the fullest and enjoy every moment.
Read Issue 104
February 2016 - Issue 103 - 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.
Read Issue 103
January 2016 - Issue 102 - A FRESH START
If you've ever made New Year's resolutions, you know that that they can be hard to keep. Surveys show that many people like to make resolutions about their health. Whether that's losing some weight, eating healthier or getting more exercise, it can be challenging. Here are 5 tips to help you get started with making the most of your New Year's resolutions to live healthier in 2016.
Read Issue 102
December 2015 - Issue 101
Making Sense of Your Money
This is the time of year we're thinking about our loved ones and the gifts we'd like to give to them. It's also the time of year when credit cards get the most use. According Stats Can the average Canadian will spend between $700.00 and $1,800.00 on Christmas gifts.
Read Issue 101
November 2015 - Issue 100
The Small Steps Count
When it comes to most things in life, the first step is often the most difficult one to take. When we're talking about financial matters, this is very true. Starting out with small steps that can lead to success is rewarding. When you start to see results, it becomes motivating. Here are a few simple steps...
Read Issue 100
October 2015 - Issue 99
Time for Trick or Treat
Halloween can be a fun time for the family to enjoy together and especially if you have little ones to dress up. The family at Capital Direct want you to enjoy the
celebrations and to be safe. Here are a few safety tips to make sure you have fun and stay safe while trick or treating...
Read Issue 99
September 2015 - Issue 98
Back to School Tips
Tips for a successful school year: Dedicate a study area in the house where your kids can go to have a distraction-free environment to focus on their studies...
Read Issue 98
August 2015 - Issue 97
Vegetable Gardening Tips
There is still plenty of growing season left for most of Canada. In fact, August can have some great sunshine, but remember that daylight hours are starting to shorten.
Read Issue 97
July 2015 - Issue 96
Fun in the Sun
For many of us across the country, summer has arrived with force. Depending on where you live, we've already had some very sunny days. Here are a few tips for making sure that your fun outside doesn't turn into a nasty sunburn.
Read Issue 96
June 2015 - Issue 95
Here's to Your Health
There's a saying that if you have your health you have everything and a healthy family is a happy family.
Read Issue 95
May 2015 - Issue 94
Summer's Sneaking Up
Have the longer days got you dreaming about summer vacation? Maybe taking the family to the lake or a road trip to visit family?
Read Issue 94
April 2015 - Issue 93
Spring Check List
The time is here to start preparing our gardens and yards for the coming season. This is also the perfect time to do a house health check-up.
Read Issue 93
March 2015 - Issue 92
Spring Forward
March is the month that most of us in Canada change our clocks one hour ahead - spring forward!
Read Issue 92
February 2015 - Issue 91
Health & Happiness in 2015
A small amount of physical exercise can make an enormous impact on the way you feel.
Read Issue 91
January 2015 - Issue 90
A Fresh Start
The holidays usually mean amazing food, incredible desserts and, well... quite likely some over indulgence.
Read Issue 90
December 2014 - Issue 89
Happy Holidays
The Capital Direct family would like to take this opportunity to share a heartfelt Happy Holidays to you and your family. Read Issue 89
November 2014 - Issue 88
It Bears Repeating
We're heading into flu season, and this is also the time of year we see a rise in the common cold. Health professionals recommend getting vaccination against the flu virus, but when it comes to the common cold, there really isn't any cure. Read Issue 88
October 2014 - Issue 87
Get Ready for Hallow's Eve
It's time for some creative costumes and bags full of candy. Halloween is almost here! It's important that everyone has fun and that the evening is a safe one. Read Issue 87
September 2014 - Issue 86
Improving Your Home's Value
Making home improvements can increase the value of your home. An Appraisal Institute of Canada study has shown that renovations to your home can improve its net value compared to the cost of the renovation.
Read Issue 86
August 2014 - Issue 85
BBQ Cleaning and Maintenance
You likely cleaned the BBQ the first time you fired it up this grilling season. Depending on how often you use your BBQ, this shouldn't be the only deep clean it gets this season. Read Issue 85
July 2014 - Issue 84
Quick, Simple & Delicious
Summer is the season of light, simple dishes that are exquisite to the taste buds. In this issue of the Balance, we're sharing 2 quick, simple and delicious recipes for a salad and an appetizer. Read Issue 84
June 2014 - Issue 83
Backyard Gardening
'Living off the land' is part of our heritage. Growing our own food is something Canadians have been doing for centuries. Read Issue 83
May 2014 - Issue 82
Organize Like a Pro
We're all a little pressed for space. For most families, the kitchen is one place we spend a great deal
of time. Read Issue 82
April 2014 - Issue 81
The Spring Thaw
Canadians from coast to coast are eagerly awaiting the arrival of spring. It's this time of year that all the frozen H2O melts and begins to flow again. Read Issue 81
March 2014 - Issue 80
Heating Bill Shortcuts
Thursday, March 20th will mark the Spring Equinox, when the plane of Earth's equator passes the center of the Sun. At this time, the tilt of the Earth's axis is inclined neither away from nor towards the Sun. (Wikipedia) For many Canadians, this is a welcome event. Read Issue 80
February 2014 - Issue 79
Heating Bill Shortcuts
We are in the grip of winter and that always means that the heating bills can be expected to rise - it's a fact of being Canadian. Read Issue 79
January 2014 - Issue 78
Happy New Year!
The beginning of every year brings with it the promise of renewal, regeneration and starting fresh. Now is a great time to begin making change, and with the holiday spending behind us, this is a great time to look at tuning up the household finances. Read Issue 78
December 2013 - Issue 77
Keeping Colds in Check
Winter in Canada can be harsh. Across our country there are winter weather systems that can cause interruptions to basic services such as electricity and water. Whether it's
a wicked West Coast storm or monstrous Maritime ice storm - are you prepared if the power goes out? Read Issue 77
November 2013 - Issue 76
Keeping Colds in Check
This time of year sees a rise in the common cold and flu viruses going around. While it is prudent to get a flu vaccination, there is no cure for the common cold or flu. Here are a few simple preventative measures steps you can take: Read Issue 76
October 2013 - Issue 75
Be Winter Ready - Protect Your Investment
Fall is here and it's time to prepare your home for the cold. Depending on your source, be it the Farmer's Almanac or your uncle's creaky knee, there's one thing we can count on - weather is unpredictable at the very best. Read Issue 75
September 2013 - Issue 74
A Consistent Approach
Back-to-school can be a challenging time - for both you and your children. The change in routines might be quite different for each member of the family - earlier mornings, homework and after school activities are just a few of the changes. With a consistent approach, this change can be made relatively seamlessly. Here are five tips to help you and your children adjust to the back-to-school routine. Read Issue 74
August 2013 - Issue 73
Summer Vacation Tips
With the kids out of school, it's time for summer vacation. Whether you've planned a trip to Disneyworld, you're going camping in Beautiful British Columbia, or visiting somewhere close to home, here are some useful summer vacation tips. Read Issue 73
June 2013 - Issue 72
Smooth Moves
Over the years we've shared many different and delicious recipes with you - we've even shared a few smoothie recipes. Smoothies are delicious and easy to make, which
are great reasons for adding them to your daily meal plan. Read Issue 72
June 2013 - Issue 71
Summer Gardening Tips
This Summer, we're likely going to have a few days of extended heat. Here are 3 tips to keep your lawn or garden thriving without driving your water bill to new heights. Read Issue 71
May 2013 - Issue 70
Composting - Reducing Your Footprint
Canadians have one of the biggest ecological footprints per capita in the world. As a resource rich country, we have the opportunity to make a significant contribution to the future health of our country and our community. Composting is one way we can help. Read Issue 70
April 2013 - Issue 69
Spring Cleaning Solutions
Springtime is a refreshing time of renewal. This is the time of year when we put the long winter behind us. It's the time of year when we start spending more time outside. Read Issue 69
March 2013 - Issue 68
Keys to a Healthy Diet
This year, before you file your taxes, make sure that you're taking full advantage of all the deductions that you can. Read Issue 68
February 2013 - Issue 67
Get Set for Taxes
This year, before you file your taxes, make sure that you're taking full advantage of all the deductions that you can. Read Issue 67
January 2013 - Issue 66
Into the Cloud
In our last issue for 2012, we talked about how you can back up precious holiday photos or important warranty, medical or career information Read Issue 66
