Be Winter Ready -
Protect Your

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.

Here are some essential tips for preparing your
home for the cold weather. Many of these steps you
can do yourself. The most important thing is that
these simple chores will help to protect your

Systems Check
This is the time to make sure that your home's critical systems are all functioning properly and ready to go into service. This is the right time to get things checked out by the people who know what to look for.

- Have the heating system inspected, especially if you haven't in the last couple of years. A general tune up, such as replacing filters, ensures the system functions optimally and efficiently.

- If your home relies on a sump pump, make sure that it has been maintained and is working properly.

- With homes with aging roofs, it is important to have an inspection every few years. Many roofing companies are happy to do this for free. If concerns are identified, it is best to deal with them immediately, to avoid much bigger issues that might happen if you wait.

The Winter Check List
There are a handful of important things every homeowner should do each winter season. They don't take long and don't require special expertise.

- Safely inspect your eaves. Make sure that drains are free of debris. During the winter, the snow on a home's roof can warm up and melt. The run-off then freezes and creates a dam, which can back up more run-off, damaging your roofing and eaves drops.

- If you live in an area where snow frequently falls and then melts, make sure your drain spouts are carrying the run-off well away from the house, so that it can't potentially damage the home's foundation.

- One of the things we can easily procrastinate on is the seasonal restocking of winter essentials. It's impossible to think of snow shovels and salt in the heat of an August day, but that's what fall is for. Now is the time to make sure you've replaced the snow shovel and grabbed a few new bags of salt.

The Spooky Season

Here are 3 safety tips for you and your trick-or-treaters
this Hallows Eve.

Out and about.
Adult supervision is a must with young children. With the
older ones, make sure that you know where they plan to go
and set a check-in time.

Costume safety.
A little bit of reflective tape will make the little ones more
visible, especially just at dusk. Also, adjust the length of
costumes to avoid tripping while out trick-or-treating.

Sound advice.
Carry a flashlight, your wallet and a cell phone. If you can,
go out with other families and trick-or-treat in familiar neighborhoods.

Happy Halloween!

A Helping Hand

Daniel was finding it difficult to get the
support he needed. “It was becoming
difficult to find a financial institute that
would give us a mortgage on new
land,” Daniel says.

Daniel and his family were looking
for a mortgage that would fit the
budget – Capital Direct was a
lender willing to help. “The
website was easy to use and now
we have mortgage we want and
have paid off some debts,” Daniel

You've worked hard to build equity in your home, so why not ‘let your house lend a hand‘ © when you need it most! Contact a Capital Direct mortgage specialist to discover your options.

“Friendly service and
quick responses to questions.”

Fall Sudoku

  2 3
6   8
4 2  
9 3 6
8 4  
  6 4
8 1 7
  8 9
2   6
7 8  

Click here to view the solution

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