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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.
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Welcome to Personal Cash USA INC, your reliable source for payday loans in the USA. We understand that unexpected expenses can arise, and we’re here to help bridge the gap between paydays. Our company prides itself on integrity, providing clear terms and fair rates for our customers. Whether you need funds for emergency car repairs, medical bills, or any other unforeseen circumstance, we’re dedicated to delivering fast and hassle-free solutions.
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It's time for our community to start leveraging their credit to live the life that they deserve. Welcome to The Credit Refresh Podcast. this is a safe space where you can expect practical tips, tools and solutions to help you unlock the next level in your life. Your host Kiwanis Rucker repaired her own credit in 2015. For the past 8 years she been giving credit tips and solutions to people in the community. Kiwanis mission is to help you go from the back of the room to the stage. Subscribe, ...
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From banks that can’t lend to small businesses, predatory payday lenders, high interest loan sharks, or social investors who just don’t support social enterprises - there’s plenty to criticise in the world of finance. But there’s a a strong and growing network of finance providers who are building resilient economies throughout the UK – offering a personal service, a supportive approach and a real alternative to traditional bank lenders and finance providers. Responsible Finance providers br ...
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If you’re overwhelmed with debt or you just want to find out about common financial scenarios then listen up. We can give practical information on dealing with loans, credit cards, student loans, taxes, garnishments and lawsuits. Our offices are based in the Metro Atlanta area but we are available to discuss options wherever you may be. Subscribe and follow us on all our social media platforms. Legal Disclaimer: The topics discussed in this podcast are for informational purposes only and not ...
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One Percent Success Secrets!

Danielle Jenkins, Brandon White

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Danielle & Brandon are back with Season TWO of One Percent Success Secrets. This time, Success Secrets of the Top 1% in the Real Estate Industry! In each episode, we bring you exclusive interviews with industry professionals from around the globe, revealing their remarkable stories and sharing invaluable insights to help you thrive in the competitive world of real estate. From groundbreaking strategies to personal anecdotes, our guests offer a wealth of wisdom garnered from years of experien ...
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Discover how Personal Cash USA INC can assist with payday loans, but make sure to understand the terms first. Learn five key tips for managing payday loan conditions, including restrictions, cooling-off periods, early repayment penalties, renewal clauses, and collection practices.Oleh personalcashusainc
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In this episode, we explore an alternative method for building credit, especially for those with limited credit history—rent reporting. We’ll dive into how rent reporting works, its potential impact on your credit score, and whether it’s worth considering as part of your credit-building strategy. Take our new quiz to uncover the secrets of your cre…
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In this episode, we continue our focus on credit protection by exploring the value of credit monitoring services. With identity theft and fraud on the rise, these services promise to help safeguard your credit, but are they truly worth the investment? We’ll break down the features, benefits, and considerations to help you decide. Take our new quiz …
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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 lif…
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In this episode, we’re shifting our focus to an important aspect of credit security—credit freezes and credit locks. With identity theft and fraud on the rise, it’s essential to understand how to protect your credit effectively. We’ll break down the differences between these two protection methods so you can decide which is best for you. Take our n…
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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…
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This episode of the Debt Matters Podcast dives into the financial struggles of millennials. Hosted by Wayne Kay and featuring debt expert Daniel Maksymchak from LCTaylor Licensed Insolvency Trustee, the conversation explores how millennials are particularly affected by debt due to factors like high student loans, credit card debt, and the burden of…
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In this episode, we’re building on last week’s foundation by diving into the key differences between the two major credit scoring models: FICO and VantageScore. Understanding these differences is crucial to navigating your credit journey effectively. Take our new quiz to uncover the secrets of your credit score. You’ll receive personalized insights…
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In Episode 155 of the Debt Matters podcast, Daniel Maksymchak Licensed Insolvency Trustee provides valuable strategies on how you can control your credit card debt: Key points and topics covered: Understanding credit card debt: Explore the psychological and financial impacts of credit card debt and why people fall into the debt trap. Debt managemen…
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In this episode, we kick off Season 5 by diving deep into the world of credit scores. If you’ve ever wondered why your credit score fluctuates and what you can do to take control of your financial future, you’re in the right place. Take our new quiz to uncover the secrets of your credit score. You’ll receive personalized insights and a FREE Credit …
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Discover how payday loans from Personal Cash USA INC can be a reliable solution for financial emergencies. Learn five essential tips for choosing the right payday loan, including assessing your needs and many more ways to make an informed decision and manage your finances effectively.Oleh personalcashusainc
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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 …
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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 podcas…
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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 T…
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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 t…
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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 …
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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 I…
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The season finale of Credit Refresh tackles staying motivated on your credit journey. Host Kiwanis Rucker acknowledges the challenges and setbacks but emphasizes the importance of perseverance. Join Prosperity Prep School https://kiwanisrucker.com/prosperity-prep-school/ Free Resources: Get your free credit roadmap: https://kiwanisrucker.com/credit…
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In today's fast-paced world, financial difficulties can arise unexpectedly, leaving individuals in urgent need of quick cash solutions. Personal Cash USA INC is dedicated to helping people navigate through these financial challenges with professional and efficient payday loan services.Oleh personalcashusainc
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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…
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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 wit…
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Why did NatWest Group choose to work with community development finance institutions (CDFIs) as part of its cost-of-living support package? What can be done to signpost CDFIs to bank customers who are financially vulnerable? How do bank to CDFI referral processes work for businesses and social enterprises? And why are CDFIs such a "terrific part of…
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This episode of the Credit Refresh Podcast dives into the statute of limitations for debt collection, which varies by state and debt type. Host Kiwanis Rucker explains that knowing this timeframe empowers individuals to understand their legal rights and options when facing debt collectors. Join Prosperity Prep School https://kiwanisrucker.com/prosp…
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This episode of the Credit Refresh Podcast tackles financing a car with a low credit score. Host Kiwanis Rucker acknowledges the challenges, including higher interest rates and stricter requirements from traditional lenders. Join Prosperity Prep School https://kiwanisrucker.com/prosperity-prep-school/ Free Resources: Get your free credit roadmap: h…
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Send us a text Anna Depalma is a Real Estate broker in the Dufferin County with Keller Williams, area servicing Dufferin, Simcoe & York. She’s been recognized with several top producing awards, a designated negotiation expert and top broker award for Orangeville. She’s also recently dived into the investment world, purchasing her first triplex last…
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Send us a text Presenting Nadia Khalaf, Founder, Broker, & Team Leader of The NK Group, at Remax Capital Diamond in Windsor, Ontario. A powerful woman, who is greatly respected and a passionate leader. Under her thoughtful, fervent and influential leadership, Nadia has tactically grown the Group from a sole endeavour to a powerful assembly of profe…
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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…
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This episode of the Credit Refresh Podcast dives into bad financial habits that can damage your credit score. Host Kiwanis Rucker explains how your credit score, ranging from 300 to 850, is impacted by factors like payment history, credit utilization, and credit mix. The episode then exposes seven "credit score killers". Join Prosperity Prep School…
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Thousands of Canadian businesses exit the marketplace every year whether through filing Bankruptcy or just closing their doors. Many more are on a razor’s edge with the rising cost of servicing their debt due to higher interest rates. Today’s podcast looks at the cost of putting a business through Bankruptcy and other options that may be available.…
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Send us a text Presenting Hasti Anasory, Realtor at Corcoran Horizon Realty, Exclusive Affiliate of The Corcoran Group. Driven by a profound mission to empower individuals on their journey to success, Hasti brings a wealth of experience and passion to the dynamic realm of real estate. With over 15 years of hands-on experience in the retail industry…
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This episode of Credit Refresh tackles the dangers of payday loans and their hidden costs. Host Kiwanis Rucker warns against their exorbitant interest rates and fees, emphasizing that while they might not directly impact your credit score, falling behind on payments can lead to debt collection, bankruptcy, or lawsuits, all of which can severely dam…
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Send us a text Presenting Samantha Valencia, Co-Owner of The Valencia Team at The Agency York Region. A true luminary in the realm of real estate, Samantha is the embodiment of a modern-day "real estate boss babe". As a prominent realtor & co-owner of The Valencia Team with her husband, Samantha shares her success tips & secrets to crushing their f…
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This episode of the Credit Refresh Podcast dives into the power imbalance between credit bureaus and consumers. Host Kiwanis Rucker argues that informed consumers threaten the status quo by challenging inaccurate credit reports and demanding transparency. Join Prosperity Prep School https://kiwanisrucker.com/prosperity-prep-school/ Free Resources: …
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This episode of the Credit Refresh Podcast dives into wage garnishment, explaining what it is and different types like child support, student loans, and back taxes. Host Kiwanis Rucker emphasizes the financial impact of wage garnishments. Nashville, TN Workshop: https://miseducationofcredit.com/ Join Prosperity Prep School https://kiwanisrucker.com…
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In today's fast-paced world, many individuals find themselves in need of quick financial solutions to cover unexpected expenses. Payday loans can provide a temporary fix to such situations, and Personal Cash USA INC offers a reliable platform to access these funds. Understanding the key steps to securing a payday loan is essential for making inform…
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In this episode of the Credit Refresh Podcast, Kiwanis Rucker explains if the Fair Debt Collection Practices Act (FDCPA) will allow debt collectors to contact you on social media. Nashville, TN Workshop: https://miseducationofcredit.com/ Join Prosperity Prep School https://kiwanisrucker.com/prosperity-prep-school/ Free Resources: Get your free cred…
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While most Canadians view student loans as an investment rather than an expense, they can become a burden after graduation. As the years go by and more unsecured debt is added, it can be a struggle to keep up. If you are contemplating filing for personal Bankruptcy in the hopes of discharging your student loan debt, you need to make sure your timin…
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This episode of the Credit Refresh Podcast explores the benefits of secured credit cards for building credit history and financial independence. Host Kiwanis Rucker explains how secured cards require a deposit that acts as collateral, making them easier to obtain compared to traditional cards. Nashville, TN Workshop: https://miseducationofcredit.co…
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Under the Canadian Bankruptcy & Insolvency Act there are two options that allow consumers to eliminate debt, filing a Bankruptcy or a Consumer Proposal. The option you chose is based on your personal situation at the time of filing. But what happens if your financial circumstances change? Can you switch from a Bankruptcy to a Consumer Proposal or i…
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In this episode of the Credit Refresh Podcast, Kiwanis Rucker discusses the unique challenges of medical debt and its impact on credit scores. Unlike other debts, medical bills often come unexpectedly. Rucker emphasizes the importance of reviewing bills for errors, negotiating with providers, and exploring financial assistance programs. Nashville, …
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In this episode of the Credit Refresh Podcast, Kiwanis Rucker dives into the pros and cons of Credit Karma, a free platform offering credit score access, monitoring, and educational resources. Rucker emphasizes the importance of understanding these limitations and using Credit Karma as a tool within a broader financial strategy, not a one-stop solu…
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Living paycheque to paycheque can be stressful, to say the least. A recent poll by Leger found that almost half of Canadians are living that way. Stepping off that treadmill is possible with a few sacrifices and a bit of hard work. Licensed Insolvency Trustee, Leigh Taylor talks about the paycheque trap - how it can slowly happen if we don’t pay cl…
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In this episode of the Credit Refresh Podcast, Kiwanis Rucker dives into the lesser-known world of alternative credit bureaus: LexisNexis, ARS, and Innovis. These bureaus collect data beyond traditional credit history, including public records, utility and rent payments, and even professional licenses. Rucker emphasizes the importance of accessing …
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Even though Canada’s economy is thriving in many ways, the rising cost of living is putting pressure on Canadian’s finances. As the price of goods continues to rise, household budgets are getting squeezed from all angles. Rising inflation is affecting most of us and in this podcast, Licensed Insolvency Trustee, Leigh Taylor discusses how we can pro…
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The top 2 insolvency options that provide debt relief in Canada are personal Bankruptcy and Consumer Proposals. Both resolve debt problems and provide legal protection from your creditors. However, they are significantly different from each other. Everyone’s situation is different and there is no one size fits all solution in determining which is t…
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About this episode: In season 4 of the Credit Refresh Podcast, host Kiwanis Rucker aims to empower listeners to improve their credit score through education and actionable advice. She emphasizes the importance of obtaining a free credit report, creating a budget, and paying bills on time. She promises transparency and guidance throughout the season…
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The mere mention of the word Bankruptcy can send shivers down most people’s spines, but it doesn’t have to be a scary process. As with most fears, they stem from the ‘unknown’. Most people who have been through a Bankruptcy don’t tend to share their experiences. This podcast is meant to lift the curtain on this debt relief option and take the myste…
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It has been said that money can be like a silent third partner in a relationship. Whether you’re married or just starting to get serious with someone, it’s a good idea to cultivate open and honest communication about your financial situation. Licensed Insolvency Trustee, Bonnie Hooley has had a lot of experience with couples, helping them navigate …
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