Debt Free in 30

Doug Hoyes

Every week we take 30 minutes and talk to industry experts about debt, money and personal finance. read less

471 –  Is University Worth All The Debt?
Sep 9 2023
471 – Is University Worth All The Debt?
Higher education isn’t getting any cheaper. The cost of going to university has more than tripled since the 1990s and we see first-hand the financial burden caused by student loans. So, is it still worth it to get into debt for post-secondary schooling? With so many advancements in free online education, aren’t there cheaper alternatives? When is college the better option? Is an undergraduate degree still going to give you a job right away? Tune in to this discussion with Ted Michalos and Doug Hoyes as they share graduate statistics and give practical advice on how to think through your career and education choices. Resources Mentioned in the Show: Statistics Canada, National Student Survey: University of Toronto, Facts & Figures Ontario, graduation rates: Ontario budget, 2022-2023 Chat GPT: Hoyes Michalos Annual Bankruptcy Study: 13 Stats on Average Student Debt in Canada: National Graduates Survey 2018 results: Statistics Canada – Student Debt from all sources:
466 –  REBROADCAST - What’s Making Our Groceries So Expensive? w/ The Food Professor
Aug 5 2023
466 – REBROADCAST - What’s Making Our Groceries So Expensive? w/ The Food Professor
Originally aired at episode 450 on April 15, 2023, the Food Professor returns. Food is now more expensive than ever. But why? Is it just corporate greed? Or something greater? Enter Dr. Sylvain Charlebois, a.k.a. The Food Professor. Sylvain is a Professor and the Scientific Director at Agri-Food Analytics Lab at Dalhousie University. On today’s podcast, he demystifies grocery pricing and explains why food inflation is a global phenomenon. Sylvain also discusses the part the Canadian government plays in grocery price hikes and gives lots of valuable practical advice for how to save on your food bill. You won’t want to miss this episode. Tune in! Time Stamps 7:42 What is Shrinkflation? 8:31 Groceries vs. Snacks + Tax 11:55 Is the Grocery Rebate Even Helpful? 19:01 Which Days of The Week To Shop Groceries? 23:30 Shop at 3 Different Stores 27:04 Consumers Can Make a Difference Links: The Food Professor Podcast: Dr. Sylvain Charlebois on Twitter: CRA: GST/HST on food products: Toronto Sun article on the food rebate: Episode #254 – What Costco Can Teach Us About Making Financial Decisions: Episode #270 – The Fable of the 20 Dollar Bill -
457 –  Gas Costs May Be Higher Than You Think
Jun 3 2023
457 – Gas Costs May Be Higher Than You Think
The price at the gas pump includes a lot of hidden costs, and they are going up. How will this impact your budget? What does it mean for the future of car ownership? On today’s podcast, Ted Michalos and Doug Hoyes discuss the hidden costs of gas and how the increase in some of the price components will mean you’ll only be paying more to fuel your car. They also talk about the Ontario government’s plans to increase ethanol in oil and how that may impact fuel efficiency, and again, your budget. Tune in for an insightful conversation! Related Links: Statistics Canada. Table 18-10-0001-01  Monthly average retail prices for gasoline and fuel oil, by geography Government of Ontario, Fuel Price Components: Government of Ontario, Cleaner Transportation Fuels: Ontario Regulation: O. Reg. 663/20: CLEANER TRANSPORTATION FUELS: RENEWABLE CONTENT REQUIREMENTS FOR GASOLINE AND DIESEL FUELS Government of Ontario Press Release, November 26, 2020: Ethanol Production Using Corn, Switchgrass, and Wood; Biodiesel Production Using Soybean and Sunflower, research study: The effect of bioenergy expansion: Food, energy, and environment, research study: Federal government, Ethanol, Environmental outcomes of the US Renewable Fuel Standard, research study: