Getting Ready for

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?

Here are 5 tips that can help you get ready for Christmas, and help you enjoy this amazing time of year.

  1. Prepare a budget. How much you’re willing and able to spend. Include not just the gifts, but also food, decorations, travel, etc.
  2. Open up your calendar and start filling it in. Pay attention to everything from parties, to school events, family gatherings — event visits to the doctor. This is going to be really helpful when you start planning for the added tasks of preparing for Christmas.
  3. Who’s coming? Map out logistics like who’s hosting what, when and where. If your family is larger you might have a couple of different events like dinner on Christmas day. Don't forget to send out the invitations so everyone can plan ahead.
  4. Are there foods that you can prepare in advance? With some dishes, such as gravy and stuffing, you can cook it now, and freeze so that all you need to do on Christmas Day is defrost and reheat!
  5. There’s no time like the present! Maybe one of the most impactful tips you can use to help make the most of the season. Start buying presents early. It will help you manage not just your budget, but also your overall wellbeing during this often action-packed time of year.

Christmas will come fast now — it pays
off to be prepared. Preparation is half
the victory — a quote very appropriate
for this festive season.

Health & Wellness

Remain Vigilant

Well before the spread of COVID-19 there were everyday steps that helped protect us during flu season. It is important that we keep these common-sense best practices top of mind and do everything we can to stay healthy.

Wash your hands often

Use soap and water
Wash for at least 20 seconds
Avoid touching your eyes, nose, and mouth

Keep practicing social distancing whenever you can

If you can’t, cover your mouth and nose with a mask

Cover coughs and sneezes

Use tissue or use the inside of your elbow
Following these best practices is one way we can do their part to help stay healthy.

Immunity Building Foods

A key part of staying healthy is directly tied to the food we eat.
Here’s a list of food that we can use to help boost our immunity.

Foods rich in PROBIOTICS: these are naturally fermented foods like Yogurt, Sourdough, Sauerkraut, Kombucha, etc.

Foods that are high in PREBIOTICS: fresh raw fruits & veggies — you can never have too much of these foods!

Foods high in POSTBIOTICS: slow-metabolizing starches — beans & legumes, whole grains, sweet potatoes — these foods feed the healthy bacteria in our little intestine.

Foods rich in PROBIOTICS: these are naturally fermented foods like Yogurt, Sourdough, Sauerkraut, Kombucha, etc.

Foods high in antioxidants, polyphenols and VITAMIN C: ALL citrus fruits, berries, red fruits, broccoli and broccoli sprouts, mushrooms, green tea, for example. Foods high in ZINC: meat, legumes, seeds & nuts, for example.

Immunity-boosting foods help to support our gut’s health. Our stomach is actually the first line of defense against disease and illness. What better way is there to stay healthy than eating delicious dishes.

Stay Healthy

#1 Customer Service

Customer service is always
#1 for Capital Direct. Richard
was concise, honest and
simply amazing.
Tamara H., Chatham-Kent, 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.

November Sudoku

Did you know?
Remembrance Day was first observed in 1919 throughout the British Commonwealth.
In Canada we observe a moment of silence to remember and honour all the men and women who have served, and continue to serve Canada during times of war, conflict and peace.

6   3
6 9  
7   9
8   9
  6 4
5   3

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 [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.

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.