The Sun Returns

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.

For many Canadians, this is a welcome event. Before long, the snow will start to clear and the ground will begin to thaw. Once this happens, it's time to get outside and prepare the garden. Here are a few tips to help you prepare your yard for spring.

First, start by raking up any remaining leaves and twigs. You'll want to rake clear of flowerbed and vegetable patches. Collect all the debris into several small piles as you go.

Next, you'll want to remove broken branches from shrubs, bushes and trees. Some plants are better to be pruned in the spring, so check with your local garden centre if you have any questions.

To finish up, you'll want to give your lawn a good raking. This is the time to remove dead clumps of grass or moss and plant new seed.

Finally, try to plan your clean up to coincide with recycling pick up. Many towns and cities schedule extra pick up during the spring.

Now that you're done,
it's like working with a
fresh canvas - this is
the real reward of a
spring clean up.

Quick Budgeting Tips

We know the cost of living varies across Canada, but no matter where you live, here are some quick guidelines to follow for your household budget.

For homeowners, you should budget for approximately 30% of your total household income to go towards housing.

Transportation expenses will vary greatly, depending on where you live, so you do have to take this into consideration, but generally 20% of your household income goes towards transportation.

Food is often the one area where many can make significant savings changes for the better. It's a very important expense to look at in your monthly budget.

Eating out on a regular basis can be a huge expense, so watch that closely, because it adds up quickly. Generally speaking, you should estimate about 15% of your household income towards food.

We all have different priorities and no two monthly budgets will be the same. The key to succeeding with any financial plan is to know where your money is going in the first place.

Punch Up Your Mornings

What is it about smoothies that make them almost
irresistible? They are so simple to prepare and you
can let your imagination run wild with flavour
combinations. A smoothie is a
great option for your start to
a busy morning.

Here's a fantastic
recipe that
really packs
a nutritious
Banana, Strawberry and Flax

Blend all until smooth:
· 1/2 medium banana
· 1/2 cup frozen strawberries
· 1 1/2 cups skim milk, light soy milk
   or almond milk
· 2 tablespoons ground flaxseed

 Note: It's important to use ground
   flaxseed to take full advantage of
     its nutritional power.

     A nutritious start to the day:
     · 278 calories
     · 43 grams carbohydrate
     · 16 grams protein
     · 7 grams of fibre
     · 7 grams of fat

Understanding Value

Christine T., of Delta, and her husband came to Capital Direct for a lending solution that would meet their needs. “Macy always worked in my best interest,” Christine remarked. Not only was Christine able to consolidate and pay off debt, they were able to make some needed repairs that improved the value of their home. “Capital Direct was willing to help us - they understand the value
of our home and this brought great
relief to our situation,” Christine said.

Every month, Capital Direct helps Canadians just like you to
realize their dreams. What about you? Your home equity is something
you've worked hard to build, so why not 'let your house lend a hand'© when you need it most! Contact a Capital Direct mortgage specialist to discover your options.

“We will always remember the high degree of care and concern.”

March Sudoku

4 6  
3   1
7 9 6
7   6
8   2
5   3
9   4
5 6 9
2   3
  7 9

Click here to view the solution

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