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.

If you find yourself preparing your kids, or yourself, for a return to school, here are some very common back-to-school worries:

  • One of the most commonly shared concerns is about the workload school will bring. One of the most effective ways to manage this is to practice better time management. Come home, take a brief break, and then get started on homework right away, rather than delaying.
  • Another commonly shared concern is stress about social issues. Depending on the age and the stage of education, this can range from general social awkwardness to teasing and judging. Find the right balance of support, and this might even include seeking out the help of a guidance counselor.
  • The start of the new school year is the optimal time to make adjustments and to settle into new, but likely familiar routines. Balancing school with the other life demands requires staying healthy. Eat well, exercise regularly, and keep rested and primed to succeed.

    Your Home's Value

    Here are 3 tips that can help you to improve the value of your
    home before starting the process of selling.

    Tip 1
    Hire a pro for an hour. Invite an interior designer to check out your home. Your realtor may do this as a courtesy, but if you want an expert opinion, it pays to hire a professional interior designer. Be transparent with them about your overall objectives, and budget. In many cases they will be able to make suggestions for improvements,
    such as paint colors, that can go a
    long way to improve the look
    and feel of your home.

    Tip 2
    Part of selling a home
    is hiring a home
    inspector. Don’t put
    this step off until offers
    are coming in. A home
    inspection could discover
    problems that would
    negatively impact your
    home's value. Small problems,
    such as a hidden leak in your
    laundry room, can become
    big, expensive problems quickly; the longer you put off repairs, the more they could negatively impact the value of your home.

    Tip 3
    Start now and find ways to cut energy costs. Many local utility companies will give you a free energy audit - take advantage of this. Saving money on your energy costs not only saves you money now, but it can make your home more marketable in the long run.

    Home improvements can help you increase the value of your property and sell your home for the amount that you desire.

    Contact us today to learn more about how a home equity loan can help you renovate your home to improve its value. You can also apply online and get the funds you need within 5 business days of approval.

    Health & Wellness

    Smoothies are a great way to kick off the day for the family. Here’s an easy and delicious banana and pineapple smoothie. These classic flavours of summer will help the family ease in to the routines of September.

    What you'll need for this

  • 4 ice cubes
  • 1/4 cup of pineapple cubed
  • 1 large banana cut into chunks
  • 1 cup of pineapple or apple juice

  • Next steps:
  • Blend all the ingredients
         until smooth
  • Makes one serving
  • We hope you’ll enjoy this simple 4-ingredient smoothie packed with nutrition and delicious flavour.

    What Our Customers
    Have To Say

    I paid my debts and renovated my
    house - feels so good. I'd recommend
    Capital Direct highly to my friends and
    relatives. The consultants are very
    well trained and professional.
    Catherine N., Toronto, ON

    The equity in your home is something that you've worked hard to build. Every month, Capital Direct helps Canadians just like you to realize their dreams. What about you? 'Let your house lend a hand' © Contact a Capital Direct mortgage specialist to discover your options.


    September Sudoku



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        9
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        9
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        9
      3  
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    5 3  
    8    
    9 1  
    2 1  
        6
        3
         
      1  
        2

    Click here to view the solution

    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 yourteam@capitaldirect.ca 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.

    Mortgage Broker Licence Numbers: Ontario 10549 / Admin 11408; BC X026311MMB; Alberta MW-9811291; Nova Scotia 10769862.
    Capital Direct is a member of CAAMP, MBABC, AMBA, Vancouver Board of Trade, and accredited with the Better Business Bureau.