The Small Steps Count

When it comes to most things in life, the first step is often the most difficult one to take. When we're talking about financial matters, this is very true. Starting out with small steps that can lead to success is rewarding. When you start to see results, it becomes motivating. Here are a few simple steps that you can take to start seeing success.

Switch to a bank or credit union that doesn’t charge you service fees on your
bank account. There are many institutions that will allow you to make deposits
and withdrawals and not charge you monthly service fees.

Sign up for free customer rewards programs when you can. We often
shop in the same places, and rewards can add up more
quickly than you think. Rewards can often be redeemed for
discounts or coupons on your next purchase. This is great
for items such as your daily coffee, too.

Use the 30-day rule. Whenever you’re
considering a larger purchase of a
non-essential item, give yourself 30 days
to think about it. Quite often you’ll find the
impulse to purchase the item has passed.

Remember, it doesn’t need to be a major
life altering change – simple steps can
have a tremendous effect.

Cash Flow Remedy

“We wanted to improve our cash flow,” says Michael M. of Edmonton, Alberta “We were considering a second mortgage, and Capital Direct was there for us.” Michael received the information he needed to make the right decision. “The feedback, the returned calls and the speed at which the transaction was completed, was by far, excellent!”

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.

Health & Happiness Tips

Did you know that as little as 20 - 30 minutes of brisk walking per day can have a beneficial impact on blood pressure and cholesterol? Take a walk with family or a friend and it could change you life.

Ease back on the salt. Much of the processed food we eat contains too much sodium. The next time you have dinner, spare the salt and do your arteries a good turn.

A Classic Smoothie

Smoothies are an excellent way to ensure that your family gets a good dose of fruits and vegetables. With the younger members of the family, smoothies can be a fun way to make sure they're getting the nutrition they need. Smoothies are also very easy to make and a convenient start to the day.

We love sharing recipes with you and we thought this is one recipe that is a classic.

Peanut Butter & Banana
Ingredients:

1 small banana
½ cup milk
1 tbsp. creamy peanut butter
3 ice cubes

Directions:
In your blender, combine banana, milk, peanut butter, and ice cubes; blend until mixture is smooth and frothy. Makes about 1½ cups.

November Sudoku



	3	5

		1
	9	3
	8

7
	5
	9

	4	6
		7
8	9	3

1	8	7
3
2	4

	1
	6
		4

	4
1	5
2

5	2

Click here to view the solution

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