340 episodes

Each week Doug Hoyes talks to industry experts about debt, money, and personal finance. Don't be confused; listen as the guest experts cut through the jargon and share practical advice.

Debt Free in 3‪0‬ Doug Hoyes

    • Investing
    • 4.6 • 105 Ratings

Each week Doug Hoyes talks to industry experts about debt, money, and personal finance. Don't be confused; listen as the guest experts cut through the jargon and share practical advice.

    How to Avoid E-Transfer Email Scams: Tips from an Interac Fraud Expert

    How to Avoid E-Transfer Email Scams: Tips from an Interac Fraud Expert

    E-transfer fraud is on the rise. From e-transfers being redirected to a hacker’s bank account to job and puppy scams - how do you stay protected? Enter Rachel Jolicoeur – Director of Fraud Prevention at Interac. On today’s podcast, Rachel discusses common ways people become victims of e-transfer fraud. She also explains how to spot e-transfer scams and how to keep your accounts safe from fraudsters. Tune in to the show for lots of practical advice and see our resources below to keep your finances sa

    • 31 min
    Car Loans Keeping You Broke? Here’s What To Do

    Car Loans Keeping You Broke? Here’s What To Do

    For many people, a car is a necessary expense to get to work and run errands. But what if you unintentionally bought too much car and your car loan is now creating financial problems? What are your options? Is it possible to get out of a car loan? On today’s podcast, Ted Michalos and Doug Hoyes discuss when you might want to hand your vehicle back, how to do it, and what happens with the loan shortfall. Tune in for lots of practical advice!

    • 28 min
    The Pandemic Debtor: Older and Going Bankrupt

    The Pandemic Debtor: Older and Going Bankrupt

    The Hoyes Michalos 2020 Bankruptcy Study revealed that for the first time in four years insolvencies shifted back to an older demographic. The share of insolvencies among those 50 and older increased from 28% in 2019 to over 30% post-lockdown, while the share among younger generations declined. How did this happen? On today’s podcast, Ted Michalos and Doug Hoyes discuss how the pandemic changed insolvency trends, including who is filing bankruptcy, and what the numbers might mean to you. Tune in!

    • 26 min
    What Credit Utilization Rate is Best for Your Credit Score?

    What Credit Utilization Rate is Best for Your Credit Score?

    One of the simplest ways to increase your credit score is to lower your credit utilization. But how do you do that? And what utilization percentage is optimal? On today’s podcast, Certified Credit Counsellor Diane Cunha is back to share practical advice for how to maintain a good utilization rate for healthy credit. Diane also discusses common credit utilization misconceptions and the risks of having too much available credit. Tune in to the show!

    • 29 min
    What’s Going on with Real Estate in 2021? | Should you buy now? With John Pasalis

    What’s Going on with Real Estate in 2021? | Should you buy now? With John Pasalis

    John Pasalis, President of Realosophy Realty, makes his first appearance on the podcast, and he tells us that, even though unemployment is high and we are in a lockdown, the real estate market is “on fire”. Why? Is government policy deliberately inflating house prices? When will this boom end? Is now a good time to buy? Or rent? All that and more. Enjoy!

    • 33 min
    Dealing with Small Business Closure and Debt Amid COVID-19

    Dealing with Small Business Closure and Debt Amid COVID-19

    Managing a business is difficult, and the pandemic has made things much worse for Canadian small business owners. If you’re a small business owner facing debt problems, what are your options? On today’s podcast Ted Michalos is back to explain what you can do if you have both business debts and debts you’ve personally guaranteed for your business; how to determine if your business is viable, and how to handle your CEBA (Canada Emergency Business Account) loan. Enjoy!

    • 36 min

Customer Reviews

4.6 out of 5
105 Ratings

105 Ratings

Torontonian Goose ,

One of the best

Thank you for the great content.

a girl and a garden ,

So fantastic

Just found you guys! Absolutely fantastic information! Can’t wait to listen to all the episodes! Thanks for all your hard work in putting these episodes out.

Tdot7655 ,

My go to podcast

I have now listened to every single episode. It’s taken me over a year and now I hate having to wait for every Saturday to get a new one ;-) I have learned so much about personal finances and I particularly love that it’s from Canada which makes the financial advice, laws and situations applicable to me as a Canadian. The practical advice, information and basic moral support has helped me reduce my debt from 41,000 to 18,000 in a year and a half. I now understand so much more about all my options, how to work my money, and my goals moving forward. Thank you Doug Hoyes. And on a final note, it is such a professional, well produced, engaging show that it far surpasses its competition. The guests are excellent and I have done my homework of reading most of the books recommended on the podcast including Doug’s Book.

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