End of Year Statistics and Predictions for 2017

Podcasts
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CA, CPA, LIT, CIRP, CBV

This past year had a lot of economic changing affecting how we live and spend. The key takeaway is that more and more Canadians are under financial pressure - especially those already carrying debt.

Brother, Can You Spare A Dime?

Podcasts
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CA, CPA, LIT, CIRP, CBV

Listen in on this week's podcast as we discuss links between the depression era and a classic song that captures the emotions that run through families struggling with debt.

Why We Expect Tighter, More Expensive Mortgage Markets

Podcasts
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CA, CPA, LIT, CIRP, CBV

On Debt Free in 30, we talk with Ben Rabidoux about how the next changes in mortgage lending rules will affect the cost of your mortgage, refinancing and the housing market.

Financial Literacy: Does it Belong in Ontario's Curriculum?

Podcasts
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CA, CPA, LIT, CIRP, CBV

Does financial literacy belong in high schools? On today's podcast we ask this question of Prakash Amarasooriya, who, along with the Toronto Youth Cabinet, presented a petition for the inclusion of new material into the Ontario high school curriculum.

What Happens to Air Miles Points if You Go Bankrupt?

Podcasts
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CA, CPA, LIT, CIRP, CBV

Air Miles has changed their loyalty program, which brought up a question from our listeners: What happens to my Air Miles, loyalty points and cash-back program if I file bankruptcy?

Basic Income. Is it a Silver Bullet for Poverty?

Podcasts
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CA, CPA, LIT, CIRP, CBV

One possible solution to poverty reduction, and possibly high consumer debt levels, is the concept of basic income. Doug Hoyes talks with David McDonald, senior economist with the Canadian Centre for Policy Alternatives to help us better understand the costs and consequences of a guaranteed income program,

Mogo Loans: Are They A Good Deal?

Podcasts
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CA, CPA, LIT, CIRP, CBV

Mogo Financial offers free credit scores, nice lounge stores and an online loan app. On today's DFI30 podcast we talk with Squawfox.com blogger Kerry Taylor talks about her visit to a Mogo Financial Lounge and how she found a sexy store that's a payday loan company in disguise.

The Canadian Economy and Household Debt: Awkward Dance Partners

Podcasts
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CA, CPA, LIT, CIRP, CBV

We're living in very different times in terms of our economy. Doug talks with economist David Bond about how the Canadian economy as a whole is impacted by household debt and the root causes of debt, including income inequality and our tax system.

Is the Sky Falling? Will the New Mortgage Rules Hurt the Real Estate Market?

Podcasts
Posted in Debt Free In 30
Posted by J. Douglas Hoyes, CA, CPA, LIT, CIRP, CBV

Doug Hoyes and Ted Michalos talk about the October 2016 mortgage rules announced by the federal government and how they affect insured mortgages, borrowers, lenders and the real estate market. Listen to the podcast.