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.
Avoid These Common Mistakes That Can Sabotage Your Budget
You have a budget, and you try to stay within it, but a lack of planning leads you to overspend. This is one of the most common ways people sabotage their own budgets. On today’s podcast, credit counsellor Diane Cunha and host Doug Hoyes discuss the common mistakes people make when budgeting – from using debt as an extension of income to paying too much for transportation. They also share advice for how to avoid making these mistakes so you can budget more successfully! Tune in for lots of practical adv
Human Trafficking and Financial Fraud: A Survivor's Story
You may think that human trafficking is something that only happens in countries outside of Canada, or only happens to recent immigrants. No. Most victims are Canadian citizens or permanent residents. But what does human trafficking have to do with debt and financial fraud? On today’s podcast, we have a first-time special guest who shares her remarkable story of survival and explains how trafficking victims are targeted in Canada, and how perpetrators financially abuse their victims.
Should You Reinvent Yourself Career-Wise Post Pandemic & How To Be Ready
The coronavirus pandemic and job losses have led many people to rethink their careers. What can you do if your job no longer exists? How can you reinvent yourself? And how do you do that without taking on debt? On today’s podcast, Scott Terrio and Doug Hoyes discuss how jobs are expected to change post-pandemic and share several success stories of clients relying on their skills to find new employment. They also provide tips for taking on a career change, without harming your finances. Tune in!
How to Save Money Without Losing Your Motivation
Having a savings fund helps you avoid a lot of financial headache in the event of an emergency. The trouble is, how do you get started on saving if cash is tight? On today’s podcast, Certified Credit Counsellor Diane Cunha provides realistic tips for saving money, so you stay motivated. She also shares advice for how to save if you have a limited income and which accounts are best for storing a savings fund. Tune in!
Predatory Loans: Stop Paying 39%, 49% and 59% on So-Called ‘Easy’ Loans
Payday loans aren’t the only type of predatory loans out; several fintech companies offer ‘easy’ installment loans at high rates, ranging from 39% to 59%! On today’s podcast, Ted Michalos and Doug Hoyes explain how these loans work, what makes them predatory, and also discuss high-cost loan regulations, the changes the Government of Ontario is proposing, and give their two cents on consumer protections they believe should be implemented to help borrowers make informed financial decisions. Tune in!
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
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Is this for people in America also?
Doug and his wide variety of knowledgeable guests are making financial management viable! The great advice they provide, combined with the relatable way in which they deliver it had me hooked from the very first listen. Thanks for putting out such a stellar show Doug - keep up the great work!
Once I got self control and took a class Financial Peace University (FPU) I have a budget and already paid odd credit card debt and working on student loan and you can live debt freedom and not with car payment how do you do this change and learn something new and plan for wealth and not the credit score🐝