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.

Start weeding early
Get those weeds sooner than later. They could be leftovers from last year or new ones, but they’ll come out easier in the soft, moist soil of Spring than in hard, dry Summer soil.

Prune your summer-blooming flowering shrubs
This is the ideal time to prune your plants that flower from late June through fall. Summer bloomers all bloom on wood that grows in the current season, so there’s no danger of cutting off flower buds that formed last year.

Fertilize your beds
Once the ground has thawed you can apply granular fertilizer. Following the instructions you can apply it around your trees, shrubs and perennials. Match the particular fertilizer to the plant type.

Tend to your perennials
Some gardeners don’t cut back their perennials in the fall—they wait until Spring. If that’s you, then now is the time to clip, and rake the perennial foliage that has browned. It’ll clear the way for this year’s new growth, which will be pushing up shortly.

Edge your beds
This is a great way to wrap up the Spring gardening after all the tidying is done. You can use a long-handled edging tool to cut clean, sharp edges along your beds. This last step is not only great exercise, it puts the finishing touch on the landscaping. It also creates a “lip” to contain mulch that can be applied once the soil warms consistently for the season.

This is such a great time
across Canada.
We hope that you will get
outside and enjoy one of
the most wonderful
changes of season in
our great country.

Health & Wellness

Top 3 Tips for a Healthy Life

Exercise Daily
Exercise daily for at least an hour. Go for a walk or ride your bike. You don’t have to overdo it! The key is that you have some sort of moderate physical activity in your everyday life.

Eat the Right Foods and Portion Each Meal
Vegetables. Fruit. Lean meat. It’s really that simple. Avoid sugars and refined foods as much as you can. Some people find it very helpful to have one day a week that is a free day. Eat what you want, but then return to a clean and healthy menu planning for the other 6 days.

Be Sure to Get Sleep
Easy to say but hard to follow through with. It is crucial to get enough sleep though. Our bodies and brains need to recharge their batteries. Six to eight hours of solid sleep will go a long way to keeping the body & mind going throughout the day.

Top 3 Healthy Snacks
Snacks are a fact of life. We put them in our kids’ lunches. We’ll grab one with our afternoon coffee. The thing is that snacks help support good health. They can provide important nutrients and help satisfy your hunger between mealtimes. Here are 3 healthy snacks you can feel good about.

Mixed nuts
This is the ideal snack and why it’s #1. Nuts are nutritious and provide the perfect balance of healthy fats, protein, and fiber.

Greek yogurt and mixed berries
Plain Greek yogurt topped with mixed berries is a delicious, and nutrient-dense snack. Yogurt itself is high in protein, while berries are one of the best sources of antioxidants.

Apple slices with peanut butter
Talk about a snack match made in heaven! Apples are as high in fiber as they are in taste. Peanut butter delivers on the healthy fats, plant-based protein, and another boost of fiber. Tip: Check the ingredient list and choose a peanut butter that only contains peanuts and salt.

Here’s to healthy living—one habit at a time

What People Say About Us

We love what we do, and we hope you do too.

Over the years, Capital Direct Lending has helped thousands of Canadians just like you to realize their dreams. But don’t take our word for it.

“ Very happy with our experience ”

“ Patient, knowledgeable staff.
Great explanations of the process.
Great mortgage consultant! ”

Catherine Ann M. Whitby, ON

The equity in your home is something that you've worked hard to build. 'Let your house lend a hand' © Contact a Capital Direct mortgage specialist to discover your options.

Spring Sudoku

Did you know that on the first day of Spring the hours of daylight and
night are almost equal with daylight being slightly longer? In the Northern
Hemisphere Spring 2022 will officially begin on Sunday, March 20.

		9
	1	7

		1
	4
	6	3

3

1	5

	8
2		4

	5	7
	3
4	2


7		5
	8

	9	8

		5

2	1
	9
3


8	2
4

Click here to view the solution

Request our new booklet: Borrowing for Success

How to Borrow What You Need to Succeed Guide