339 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
    • 4.1 • 49 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.

    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
    Mortgages & Home Equity Refinancing: What Are the Risks in 2021?

    Mortgages & Home Equity Refinancing: What Are the Risks in 2021?

    The real estate market is going crazy in Ontario. Is it a good time to refinance if you have debt? Enter Ron Butler – noted mortgage expert. On today’s podcast, Ron explains what’s going on with mortgages, the impact of low-interest rates, and whether house prices will keep climbing. Ron and Doug also discuss debt consolidation with home equity risks and what you should consider before refinancing. Tune in to this lively discussion!

    • 33 min

Customer Reviews

4.1 out of 5
49 Ratings

49 Ratings

Lilaaron11 ,

??

Is this for people in America also?

Katie Joy B. ,

Money Magic

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!

Wbfrog1 ,

Disagree

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🐝

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