DebtMatters podcast

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تمت الإضافة منذ قبل three أعوام

المحتوى المقدم من Debt Matters Team and Wayne Kay. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Debt Matters Team and Wayne Kay أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.

Via Podcast

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The Southwest’s Wildest Outdoor Art: From Lightning Fields to Sun Tunnels 30:55

منذ 5 أيام30:55

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قوائم

إعجاب

احب

30:55

A secret field that summons lightning. A massive spiral that disappears into a salt lake. A celestial observatory carved into a volcano. Meet the wild—and sometimes explosive—world of land art, where artists craft masterpieces with dynamite and bulldozers. In our Season 2 premiere, guest Dylan Thuras, cofounder of Atlas Obscura, takes us off road and into the minds of the artists who literally reshaped parts of the Southwest. These works aren’t meant to be easy to reach—or to explain—but they just might change how you see the world. Land art you’ll visit in this episode: - Double Negative and City by Michael Heizer (Garden Valley, Nevada) - Spiral Jetty by Robert Smithson (Great Salt Lake, Utah) - Sun Tunnels by Nancy Holt (Great Basin Desert, Utah) - Lightning Field by Walter De Maria (Catron County, New Mexico) - Roden Crater by James Turrell (Painted Desert, Arizona) Via Podcast is a production of AAA Mountain West Group.…

DebtMatters Podcast

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A podcast dedicated to discussing consumer and household debt and strategies and ways of dealing with uncontrolled or problematic debt. Featuring debt experts with decades of experience in helping Canadians recover from the burden of debt.

146 حلقات

DebtMatters Podcast

updated منذ 17 يومًا

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146 حلقات

كل الحلقات

DebtMatters Podcast

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161 - Signs You Might Be in Financial Hardship—and What to Do Next 20:29

منذ 17 يومًا20:29

20:29

Wayne Kay sits down with Derek Chase, Licensed Insolvency Trustee at Chase and Associates, to explore the warning signs of financial hardship and what Canadians can do when they spot these red flags. Key topics discussed include: Signs of financial trouble: Learn how collection calls, overdrafts, and rising debt are red flags. The emotional toll of debt: Find out how ignoring financial issues can lead to stress and strain relationships. Taking action early: Discover why addressing debt early can provide more options and prevent further damage Plus: Evaluating your finances: Learn how to take stock of your assets, debts, income, and expenses. Cutting unnecessary expenses: Tips on trimming wasteful spending to free up money fast. Avoiding high-interest loans: Understand why payday loans often worsen any money problems. “ Recognizing the signs early and taking action can mean the difference between a financial reset and financial ruin.” — Derek Chase Debt doesn’t have to feel shameful. It’s more common than you think, and there are plenty of ways to tackle it. From smarter budgeting, selling unused assets, or professional help—options are available. Listen in to learn more: Additional Resources Chase & Associates Licensed Insolvency Trustee 5 Debt Warning Signs & How to Deal With Them When Should I Seek Debt Relief?…

DebtMatters Podcast

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162 - Your Guide to Debt Relief: What Is a Consumer Proposal? 16:58

منذ 18 يومًا16:58

16:58

Wayne Kay sits down with Derek Chase to unpack the growing rise of Consumer Proposals in Canada. Find out how they work, who qualifies, and why more Canadians are choosing them over Bankruptcy as a debt solution. Key topics discussed include: Why Consumer Proposals are gaining popularity: Look at the reasons more Canadians are turning to this option for structured debt relief and asset protection. The impact on credit: Explore how a Consumer Proposal affects your credit rating and what it means for rebuilding moving forward. Is it the right fit for you: Break down the factors to consider when deciding if a Consumer Proposal aligns with your income, debt type, assets, and financial goals. Plus: Secured vs. unsecured debt: The difference between debts tied to assets and those that aren’t—and why each requires a different repayment strategy. Alternative debt relief options in Canada: From debt consolidation to Bankruptcy, explore the full range of solutions available to Canadians. “ The key to choosing the right path is looking at your cash flow—not just this month, but the next and the one after that. ” — Derek Chase Struggling with debt doesn’t mean you’re out of options. Consumer proposals offer a practical path forward—one that’s affordable, legal, and designed to give you room to breathe. Tune into the podcast to learn how. Additional Resources Chase & Associates Licensed Insolvency Trustee Consumer Proposals: 10 Reasons It’s the Top Debt Relief Solution for BC Residents Is a Consumer Proposal Right for Me?…

DebtMatters Podcast

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142 - How to Enjoy a Stress-Free Holiday and Avoid Debt 19:34

منذ 29 weeks19:34

19:34

The holiday season is a time for joy and celebration. Yet for many, it can also bring financial stress. In this episode, debt expert Matt Fader discusses how to avoid the common pitfalls of holiday overspending. From budgeting for predictable holiday expenses to setting realistic expectations for gift-giving, discover how you can manage the financial pressure of the season. Key Points Discussed: Holiday shopping norms: Dive into the commercial pressures that encourage overspending during the holidays. Holiday budgeting tips: Learn practical strategies for saving and seasonal preparation. Managing holiday expectations: Explore healthy holiday boundaries with family and friends to help limit financial strain. Spending impact: Find out how to prevent carrying debt into the new year. Matt also provides insights on how to make holiday memories meaningful—without focusing on material items. Ensure that the season is about experiences, not expenses. Additional Resources Vacation and Debt: 3 Ways to Enjoy a Holiday Without Breaking the Bank Holiday Debt: Recover From Your Christmas Debt Top 8 Ways to Avoid the Christmas Shopping Hangover…

DebtMatters Podcast

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141 - Financial Goals: Turning Financial Dreams Into Reality 18:30

منذ 29 weeks18:30

18:30

This week's Debt Matters podcast features host Wayne Kay with Matt Fader from Allan Marshall & Associates. Together they discuss the key steps needed to turn financial dreams into actionable goals. The focus centres on the importance of clear objectives and how to stay motivated throughout your savings journey. Matt also shares insights on setting realistic financial goals and how to avoid common pitfalls that might discourage you along the way (celebrate the small wins!). Listen in for practical advice on how to make progress toward financial security. Key Points Covered Include: Setting clear financial goals: Matt shows how to create clear, well-defined financial objectives and explains why this clarity helps guide saving efforts. Using good goal-tracking techniques: Matt shares practical tips on how to track your progress. He also suggests tools you can try, from pen and paper to more complex digital methods. Staying motivated: Matt teaches strategies that help you maintain focus (e.g. celebrating small milestones that boost confidence and keep a positive outlook). Earning financial flexibility: Matt touches upon the significance of allowing yourself to spend money so you avoid the trap of hoarding. Planning your emergency fund: Matt defines healthy emergency savings goals so that you have a safety net in place. For anyone who needs help making their financial dreams a reality, this episode contains the tips and tricks you need: Additional Resources Practical Budgeting Tips to Keep Your Finances on Track in 2024 Bad Money Habits and How to Break Them The 4 Best Personal Finance Apps in Canada for Debt Management & Budgeting…

DebtMatters Podcast

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140 - The Personal Toll of Debt and How to Overcome Financial Stress 14:55

منذ 33 weeks14:55

14:55

In this episode of the Debt Matters podcast, Wayne Kay speaks with Licensed Insolvency Trustee Derek Chase about the personal and emotional toll included with debt. Key topics discussed include: Mental health: Debt can have a lasting impact on your emotional well-being. Opportunity loss: Debt can limit or change your life trajectory and overall lifestyle. Financial stress management: Learn practical steps to manage the stress caused by debt. Coping tools: Discover the importance of physical activity and communication to manage the emotional strain of debt. Seeking advice: Reaching out to professionals or support networks for financial planning that can provide relief. DIY debt relief: Find financial planning resources that ease the debt burden. Staying calm: How to avoid rash decisions (like liquidating your assets) and earn peace throughout the debt process. If financial problems are weighing you down, listen to today's Debt Matters podcast for more insights on how to manage the emotional cost of debt. Additional Resources Chase & Associates Licensed Insolvency Trustee 5 Ways to Improve Your Finances in 2024 Debt Relief BC – Real Debt Solutions To Help With Your Debt Problem…

DebtMatters Podcast

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139 - Rebuilding After Divorce: A Financial Guide for Single Moms 16:42

منذ 33 weeks16:42

16:42

In this episode of the Debt Matters Podcast , host Wayne Kay speaks with Derek Chase from Chase & Associates Licensed Insolvency Trustee about the financial challenges single moms face after a divorce. Learn the steps single parents can take to rebuild their stability. Key Topics Covered: The financial impact of divorce: Divorce affects up to 40% of marriages and causes money struggles, especially for single moms. The connection between marriage and finances: Relationship changes, including divorce, are one of the leading causes of financial insolvency. Seeking advice: Professionals like accountants, investment advisors, or a Licensed Insolvency Trustee provide helpful financial assistance for single moms. They also provide debt relief for couples you divorce with debt. Initial steps for newly single parents: Learn how to take stock of your assets and liabilities and better understand your financial situation. There are even single mom grants you can take advantage of. Creating individual accounts: Open a new bank account at a different institution so you have control and protection over your finances. Establishing credit: Establish your own credit and avoid liabilities tied to your former spouse. If you are a single mom, tune in for actionable insights on how to regain financial stability post-divorce. Additional Resources Chase & Associates Licensed Insolvency Trustee Debt and Divorce: A Common Cause of Bankruptcy Debt and Dating…

DebtMatters Podcast

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138 - Budgeting Basics: Creating a Plan and Sticking to It 19:58

منذ 42 weeks19:58

19:58

Surveys have found that while most Canadians agree that having a budget is a good thing - less than half do. Learning how to set up a budget and stick with it lets your money know that you are taking charge. So what is the secret to budgeting? And how do you stick to the goals you have set? Licensed Insolvency Trustee, Brenda Wood shares some tips and strategies to make a realistic budget that will work for you. Topics covered are: The psychological aspect of seeing your budget work Budgeting tools - online and on paper The 4 simple steps to create a sensible budget Slippery slope of using credit cards as a form of income Using S.M.A.R.T. goal setting guidelines Creating future financial goals when you have surplus/savings If you are struggling with your finances, a Licensed Insolvency Trustee should be your first call. Regulated by the federal government of Canada, you can be assured of unbiased advice in your free initial consultation. About Brenda Wood Brenda started in the insolvency industry in 1995 and earned her Licensed Insolvency Trustee designation in 2006. She has a long history of volunteering with the Canadian Association of Insolvency and Restructuring Professionals (CAIRP) where she has served as a member and presented at events. Brenda received the CAIRP Outstanding Volunteer Award in 2012 in recognition of her service. Outside work, you’ll find Brenda at the ice rink, ball field or camping at one of the beautiful Nova Scotia campgrounds. Additional Resources Allan Marshall & Associates Licensed Insolvency Trustee Practical Budgeting Tips to Keep Your Finances on Track in 2024 My Paycheck Never Lasts: Tips For Budgeting To Cover Bills…

DebtMatters Podcast

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137 - Understanding Credit Scores and Reports 19:23

منذ 43 weeks19:23

19:23

Whether you are applying for a new cell phone plan or a mortgage, your potential creditors want to understand your financial history and your ability to repay debt. Your credit score and report will help them decide whether they want to do business with you. But most people don’t know a lot about their credit report and credit score. Today’s podcast looks at the difference between the two and how you can improve your score. Licensed Insolvency Trustee, Brenda Wood, also covers the following topics: Why you should be checking your credit report often The difference between a hard and soft credit hit What shows up on a credit report How scores are calculated and why they fluctuate What is a credit rating and where it appears Things you can do to improve your score Licensed Insolvency Trustees are federally regulated and follow a strict code of ethics as well as government regulations. From budgeting to Bankruptcy, you can be assured of unbiased, non-judgemental advice. About Brenda Wood Brenda started in the insolvency industry in 1995 and earned her Licensed Insolvency Trustee designation in 2006. She has a long history of volunteering with the Canadian Association of Insolvency and Restructuring Professionals (CAIRP) where she has served as a member and presented at events. Brenda received the CAIRP Outstanding Volunteer Award in 2012 in recognition of her service. Outside work, you’ll find Brenda at the ice rink, ball field or camping at one of the beautiful Nova Scotia campgrounds. Additional Resources Allan Marshall & Associates Licensed Insolvency Trustee What Does Your Credit Report Say About You? Your Credit Score in Canada: What You Should Know…

DebtMatters Podcast

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136 - How to Plan Your Debt Relief 18:50

منذ 44 weeks18:50

18:50

Statistics show that Canadians are falling deeper into debt. With high inflation and interest rates, most of us are under a lot of financial pressure as we combat the rising cost of living. Carrying debt can put a strain on our financial health and emotional well-being but It can be hard to find the right debt relief solution. Licensed Insolvency Trustee, David Macdonald tackles this problem. Having a plan to cut your debt is the first step to becoming debt free. In this podcast David discusses: The negative connotations toward the word ‘budgeting’ Accurately identifying your expenses and income Free resources to improve your financial literacy Budgeting apps that can make your life easier The most important things NOT to do to try to lessen your debt When it’s time to talk to a professional Licensed Insolvency Trustees can help you get your finances back on track. They are considered some of the best debt professionals in the country and the only ones licensed by the federal government of Canada. About David Macdonald David Macdonald has been helping people and small business owners resolve their financial problems since 2003 in British Columbia, Alberta and the Maritime provinces. He has been retained as a trusted advisor and service provider by many of Canada’s banks, private lenders, First Nations and the CRA. David brings a practical, down-to-earth approach to his work, without judgement. In his spare time he volunteers his time to a number of charitable and non profit organizations. Additional Resources Allan Marshall & Associates Licensed Insolvency Trustee Can A Debt Management Plan Get You Back On Track? Debt Relief Options To Help You Get Out Of Debt Today…

DebtMatters Podcast

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135 - Signs You Might Be in Financial Trouble 18:31

منذ 44 weeks18:31

18:31

Finding yourself with unmanageable debt doesn't usually happen overnight. It is often a slow unnoticeable process that might start with being a few hundred dollars short every month. But the sooner you take action, the more options will be available. You’ll have the ability to make decisions before your creditors do. If you think you are alone in this scenario, you would be mistaken. Licensed Insolvency Trustee, David Macdonald talks about taking a good look at your finances. How do you know how much debt is too much debt? David also covers: Debt statistics - what happened after the pandemic The role banks are playing in the debt crisis Warning signs that let you know it’s time to seek professional help Using credit for day to day expenses Is overdraft protection really protecting you? Options that can help break the debt cycle Resources that can help with financial literacy Federally regulated, Licensed Insolvency Trustees are knowledgeable in all aspects of debt management. You can be assured you are receiving the best unbiased advice from these knowledgeable debt professionals. About David Macdonald David Macdonald has been helping people and small business owners resolve their financial problems since 2003 in British Columbia, Alberta and the Maritime provinces. He has been retained as a trusted advisor and service provider by many of Canada’s banks, private lenders, First Nations and the CRA. David brings a practical, down-to-earth approach to his work, without judgement. In his spare time he volunteers his time to a number of charitable and non profit organizations. Additional Resources Allan Marshall & Associates Licensed Insolvency Trustee Financial Management: Warning Signs Of Financial Problems Solutions to Financial Problems – Free Consultation & Debt Services…

DebtMatters Podcast

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134 - Tax Debt: Solutions That Work 15:47

منذ 45 weeks15:47

15:47

Owing the Canada Revenue Agency (CRA) money can be overwhelming. This government agency has greater powers to collect compared to other creditors. What do you do when you simply cannot pay your outstanding tax debt? The good news is that there are ways that you can overcome debts owing to the CRA. In this podcast, Licensed Insolvency Trustee Leigh Taylor talks about the importance of filing your taxes and the steps you can take when you are unable to pay your outstanding taxes. Leigh also covers: How to avoid tax debt and consequences of not filing Solutions available if your tax debt is insurmountable Including tax debt when filing Bankruptcy or a Consumer Proposal Tax laws for self employment, PST and GST tax remittances What happens when tax debt is ignored Contacting a Licensed Insolvency Trustee to explore options Licensed Insolvency Trustees are federally regulated and experts in debt management solutions. They offer a free initial consultation at which time they will go through all the options available to you to help you break free from the cycle of debt. About Leigh Taylor Leigh began his career as an Official Receiver with the Office of the Superintendent of Bankruptcy. He is a Certified Professional Accountant and attained his license as a Licensed Insolvency Trustee in 1980. LCTaylor’s mission is to help people get out of debt through compassionate care and professional service. With over 40 years experience in the insolvency field, Leigh and his staff have helped over 50,000 Manitobans solve their debt problems. Additional Resources LCTaylor Licensed Insolvency Trustee CRA Debt: What You Need to Know and How to Resolve It Tax Debt: Looking into Unfiled Tax Returns in Canada…

DebtMatters Podcast

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133 - A Guide to Consumer Proposals and Debt Relief 18:02

منذ 45 weeks18:02

18:02

Everywhere you turn there is another report or survey about Canadian’s record high indebtedness. And alongside those reports we are inundated with offers to help. But be cautious and know that the only debt relief program administered by the federal government is a Consumer Proposal. And the only professional who can file a Proposal is a Licensed Insolvency Trustee. If you are exploring your options, here is a good place to start. Licensed Insolvency Trustee, Leigh Taylor has been helping people with their debt for over 40 years. In this podcast he talks about: Recovering from overwhelming debt Basic budgeting and long term budgeting How Consumer Proposals work and the key to having them accepted Stay of Proceeding that automatically stops collection activities Do-it-yourself proposals - advantages and disadvantages Licensed Insolvency Trustees are certified from the Office of the Superintendent of Bankruptcy and are authorized to deal with creditors to negotiate debt repayment. They provide a free initial consultation and their fees are determined by the federal government. About Leigh Taylor Leigh began his career as an Official Receiver with the Office of the Superintendent of Bankruptcy. He is a Certified Professional Accountant and attained his license as a Licensed Insolvency Trustee in 1980. LCTaylor’s mission is to help people get out of debt through compassionate care and professional service. With over 40 years experience in the insolvency field, Leigh and his staff have helped over 50,000 Manitobans solve their debt problems. Additional Resources LCTaylor Licensed Insolvency Trustee Four Things a Consumer Proposal Can Do for You 5 Ways to Get Manitoba Debt Help: Your Key to Debt Relief…

DebtMatters Podcast

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132 - Breaking the Cycle: Strategies for Managing Debt Amidst Daily Expenses 17:41

منذ 49 weeks17:41

17:41

Debt cycles are easy to fall into but with a little planning and some discipline, you don’t have to keep spinning your wheels. Acknowledging that you’re trapped in a cycle of debt is a good place to start. In this timely podcast, Licensed Insolvency Trustee, Derek Chase, talks about strategies for managing debt. Other topics covered include: Payday loans and line of credit traps. Looking deeper into Intergenerational debt cycles Strategies to build momentum for savings Ways to increase your financial literacy Importance of a cash flow review If you are looking for a way to break your debt cycle, speak with a Licensed Insolvency Trustee and be assured that you will get qualified advice. They are regulated and licensed by the Canadian government and will give you information you can trust. About Derek Chase Derek Chase is a Licensed Insolvency Trustee in British Columbia. He has been helping individuals and corporations restructure their debt since 1997. His areas of practice include personal and corporate insolvency including Consumer Proposals and Bankruptcy. The best part of his work is to be able to witness lives change for the better when the heavy burden of unmanageable debt is lifted. Additional Resources Chase & Associates Licensed Insolvency Trustee How to Break the Debt Cycle When Should I Seek Debt Relief?…

DebtMatters Podcast

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131 - The Benefits of Meeting with a Local Licensed Insolvency Trustee 16:05

منذ 50 weeks16:05

16:05

If you are already under stress as a result of your financial situation, it’s difficult to decide where to turn when looking for debt relief. Meeting with someone in person who has an office where you live can be helpful. Licensed Insolvency Trustee, Derek Chase explains the benefits of seeking out a local Trustee firm that you feel comfortable with. Meeting face to face can be reassuring, avoiding the pitfalls of doing business on the internet. Derek also discusses: The benefits of consulting with a Licensed Insolvency Trustee The strict code of ethics LIT’s must follow Why Bankruptcy is the last option discussed When to seek help Getting fair and honest advice from a local LIT Licensed Insolvency Trustees are federally regulated and experts in debt management solutions. They follow a strict code of ethics as well as government regulations. About Derek Chase Derek Chase is a Licensed Insolvency Trustee in British Columbia. He has been helping individuals and corporations restructure their debt since 1997. His areas of practice include personal and corporate insolvency including Consumer Proposals and Bankruptcy. The best part of his work is to be able to witness lives change for the better when the heavy burden of unmanageable debt is lifted. Additional Resources Chase & Associates Licensed Insolvency Trustee Code of Ethics for Licensed Insolvency Trustees Three Things to Know About Insolvency…

DebtMatters Podcast

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130 - How to Respond to Collection Notices and Protect Your Credit 14:47

منذ 52 weeks14:47

14:47

Anyone can fall behind on debt payments especially in these uncertain economic times. Having unpaid debt turned over to a debt collector is a worst-case scenario for the majority of Canadians. But when this happens, it’s important to know how to minimize the impact if a debt collection agency does come calling. Licensed Insolvency Trustee, Mary-Ann Marriott knows that having a debt collector call can put more pressure on top of the debt itself. In this podcast she talks about: The first thing you need to do when you get a call Why you need to keep a log of all communication The options available when an account is in collections How to negotiate a settlement When to contact a lawyer Reducing the impact on your credit score Where to find out about your rights Licensed Insolvency Trustees are considered to be the best debt advisors in the country and are licensed by the federal government of Canada. If you are concerned about your debt, book a free consultation to find out what options are available to you. They can help get your finances back on track. About Mary-Ann Marriott Mary-Ann Marriott has been working in the insolvency field for over 25 years. She received her Chartered Insolvency & Restructuring Professional designation in 2005 and her Licensed Insolvency Trustee license in 2014. Mary-Ann is passionate about helping people become financially literate. She feels honoured to be able to help individuals discover solutions to overwhelming situations and find peace-of-mind in their lives. Additional Resources Allan Marshall & Associates Licensed Insolvency Trustee How Should I Handle Creditor Calls and Harassment? Rebuilding Credit: How Long Will It Take to Get My Credit Back?…

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