Happy 2019!

Have you started on your New Year's resolutions? Many of us can be very keen about making resolutions, but likewise, for many of us keeping them can be challenging.

Skip Making New Year's Resolutions
Studies show that more people quit, abandon or fail at keeping their resolutions. Most of us just need to honestly reflect on our own attempts at making New Year's resolutions to realize this truth.

Instead of making a lofty resolution, try setting a goal, or focusing on changing a habit. For example, skip making a New Year's resolution to lose weight. Instead, set a goal to drop 5 pounds by a certain date. Another example might be to skip making the New Year's resolution to save money. Replace that resolution with a change of habit: make your coffee at home or in the office, rather than buying a latte on the way into work.

So this New Year take a different approach, and turn your attention to developing SMART goals that will enable you to succeed at whatever you have set your sights on. The acronym SMART can help guide you in setting achievable goals:

S - specific, significant, stretching
M - measurable, meaningful, motivational
A - agreed upon, achievable, action-oriented
R - realistic, relevant, rewarding, results-oriented
T - time-based, tangible, trackable

There's nothing more rewarding than accomplishing something that you've set your mind to - make 2019 a year to remember!

We Wish You & Your Family Health,
Happiness & Prosperity in 2019!

Health & Wellness

Healthy snacks are great to have on hand, and they can be an important part of your diet. They can provide energy in the middle of the day or when you exercise.

A healthy snack between meals can also decrease your hunger and keep you from overeating at meal time. Here's a healthy snack that's sure to become a favourite.

Coconut Maple Protein Balls
2 tbsp of your favourite protein powder
3 tablespoons rolled oats (24 grams)
1 tbsp shredded coconut (10 grams)
2 tablespoons almond meal (24 grams)
2 & 1/2 tbsp maple syrup (50 mls)
2 tsp coconut oil (10 mls)
1 teaspoon vanilla extract (5 mls)

Combine all the ingredients and mix together well.

Form into small balls about 1 inch in diameter and store in the refrigerator.

Planning for Prosperity

We've been helping Canadians make the most of the one of their greatest investments - their home - since 1997. Our mission is to help Canadians use the equity in their homes to finance everything from dreams to long-term prosperity.

Owning your own home and paying down your mortgage is one of the most powerful financial actions you can take. The equity you build in your home can also be used as a platform for prosperity building:

consolidate and eliminate high-interest debt,

invest in another property,

or use it to grow your business.

This New Year, what plans do you have for your financial future? Visit our website at www.capitaldirect.ca to learn more or feel free to give us a call — we're always ready to listen.

What Our Customers
Have To Say

“ Capital Direct is very clear and concise. The staff was very friendly and welcoming. I want to do some home renovations and I was confident with the advice I received from the mortgage consultant. ”
Mike T., Brampton, 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.

January Sudoku

4		1

9

	9	5

7

	2
5		3
		4

6	9

	5

		4
5	8	6
9

	7

	4	2

3
5		2
	4

		9

6	1

		7

3		8

Click here to view the solution

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