Podcasts about Arrears

CapeTalk’s Sara-Jayne Makwala King (in for Clarence Ford) is joined by Ross Fitzcharles, founder and CEO of Preferental.See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

The latest data from APRA shows a small fall in mortgage delinquencies and a rise in offset balances. The question is, is this significant or not? http://www.martinnorth.com/ Details of our one to one service are here: https://digitalfinanceanalytics.com/blog/dfa-one-to-one/ Go to the Walk The World Universe at https://walktheworld.com.au/

Matthew Brickman and family law attorney and mediator Rebecca Palmer Esq. sit down for their 3rd interview on MediateThis! to discuss the correlation between divorce and the effect it can have the psyche post-divorce.Rebecca L. Palmer is a Family & Marital Law attorney practicing in Orlando, FL and serves clients throughout the state of Florida.  Palmer has a broad background in providing intimate legal advice to those in need at a major time of change in their life. She has been an advocate for her clients for over 25 years and continues to have steadfast continued relationship even after a divorce has been finalized. Palmer is a champion in the courtroom as well as knowledgeable in alternative domestic dispute resolution avenues like mediation and Collaborative Law. If you have a matter, disagreement, or dispute you need professional help with then visit iMediate.com - Email mbrickman@ichatmediation or Call (877) 822-1479Matthew Brickman is a Florida Supreme Court certified family and appellate mediator who has worked in the 15th and 19th Judicial Circuit Courts since 2009 and 2006 respectively. But what makes him qualified to speak on the subject of conflict resolution is his own personal experience with divorce.Download Matthew's book on iTunes for FREE:You're Not the Only One - The Agony of Divorce: The Joy of Peaceful ResolutionMatthew Brickman President iMediate Inc. Mediator 20836CFAiMediateInc.comSCHEDULE YOUR MEDIATION: https://ichatmediation.com/calendar/OFFICIAL BLOG: https://ichatmediation.com/podcastOFFICIAL YOUTUBE: http://www.youtube.com/ichatmediationOFFICIAL LINKEDIN: https://www.linkedin.com/company/ichat-mediation/ABOUT MATTHEW BRICKMAN:Matthew Brickman is a Supreme Court of Florida certified county civil family mediator who has worked in the 15th and 19th Judicial Circuit Courts since 2009 and 2006 respectively. He is also an appellate certified mediator who mediates a variety of small claims, civil, and family cases. Mr. Brickman recently graduated both the Harvard Business School Negotiation Mastery Program and the Negotiation Master Class at Harvard Law School.

Ceoltóirí agus cumadóirí ceoil atá tagtha aduaidh ó Chonamara do Scoil Cheoil an Earraigh. Ceol: Na Ceannabháin Bhán, Bean Phaidín, Táim in Arrears 3.10

On to this week's guest! I'm thrilled to introduce Wei Ting, an unstoppable entrepreneur, speaker, and innovator reshaping the rental landscape in Ontario with plans to expand across Canada. After losing over $35K to non-paying tenants and spending countless hours navigating Ontario's complex rental compliance laws, Wei Ting decided enough was enough. She co-founded Openroom, a bold step toward building a transparent and connected rental ecosystem for landlords and tenants alike. And if that wasn't enough, she's also a 24/7 on-call mom to two little ones under two years old. Wei Ting describes parenthood as her most demanding role yet, with expertise in patience, roadmap planning, and improvisation.  Did we mention the co-founder of Openroom is her husband?  Mixing personal AND Business

New data from Centrix reveals that the number of homeowners behind on their mortgage increased by 1,100 in December alone. With the interest rates dropping significantly recently, why is it that homeowners are falling behind? LISTEN ABOVESee omnystudio.com/listener for privacy information.

Centrix is keeping positive despite rising financial hardship and almost half a million Kiwis behind on loan repayments. The credit reporting agency's latest Credit Indicator report shows consumer arrears are 1.3% higher year on year, with financial hardship up 19%. But Managing Director Keith McLaughlin told Mike Hosking the figures are seasonal and have been impacted by Christmas and the school new year for the last 15 years. He doubts this is worth reading too much into, and trends show households have things under control. McLaughlin says the situation is better than last year. LISTEN ABOVE See omnystudio.com/listener for privacy information.

A mortgage broker is advising people to hedge their bets as uncertainty continues over upcoming Official Cash Rate announcements. Centrix is hoping the Reserve Bank will make more cuts, as its latest Credit Indicator report shows almost half a million New Zealanders are behind on repayments, with consumer arrears levels up 1.3%. Key Mortgages' Jeremy Andrews told Andrew Dickens people shouldn't necessarily hope rates will drop. He suggests fixing loans midterm, adding he's never seen so many people with floating rates. The next OCR announcement is due in a fortnight on February 19. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Jonny and Mark are back to wish you a happy holiday and to watch and discuss "Arrears in Science" and "The High Cost of Loathing" from that classic Adult Swim show, "The Venture Bros"

A listener writes in and asks, "Are there rules or guidelines to introducing children to a new partner after divorce? Can my ex-spouse legally prevent this?"Matthew Brickman answers your most frequently asked questions about divorce as he goes over several key points:Assume nothing.Know who you are before you get married. Know who you're getting married to. Know the laws and statutes in the state you live in.Don't take advice from anyone who isn't a legal professional in the state in which you're getting married and living in.If you have a matter, disagreement, or dispute you need professional help with then visit iMediate.com - Email mbrickman@ichatmediation or Call (877) 822-1479Matthew Brickman is a Florida Supreme Court certified family and appellate mediator who has worked in the 15th and 19th Judicial Circuit Courts since 2009 and 2006 respectively. But what makes him qualified to speak on the subject of conflict resolution is his own personal experience with divorce.Download Matthew's book on iTunes for FREE:You're Not the Only One - The Agony of Divorce: The Joy of Peaceful ResolutionMatthew Brickman President iMediate Inc. Mediator 20836CFAiMediateInc.comSCHEDULE YOUR MEDIATION: https://ichatmediation.com/calendar/OFFICIAL BLOG: https://ichatmediation.com/podcastOFFICIAL YOUTUBE: http://www.youtube.com/ichatmediationOFFICIAL LINKEDIN: https://www.linkedin.com/company/ichat-mediation/ABOUT MATTHEW BRICKMAN:Matthew Brickman is a Supreme Court of Florida certified county civil family mediator who has worked in the 15th and 19th Judicial Circuit Courts since 2009 and 2006 respectively. He is also an appellate certified mediator who mediates a variety of small claims, civil, and family cases. Mr. Brickman recently graduated both the Harvard Business School Negotiation Mastery Program and the Negotiation Master Class at Harvard Law School.

A listener writes in and asks, "What if I am paying alimony and suddenly laid off, what do I do while waiting for a modification if I cannot afford to pay?"Matthew Brickman answers your most frequently asked questions about divorce as he goes over several key points:Assume nothing.Know who you are before you get married. Know who you're getting married to. Know the laws and statutes in the state you live in.Don't take advice from anyone who isn't a legal professional in the state in which you're getting married and living in.If you have a matter, disagreement, or dispute you need professional help with then visit iMediate.com - Email mbrickman@ichatmediation or Call (877) 822-1479Matthew Brickman is a Florida Supreme Court certified family and appellate mediator who has worked in the 15th and 19th Judicial Circuit Courts since 2009 and 2006 respectively. But what makes him qualified to speak on the subject of conflict resolution is his own personal experience with divorce.Download Matthew's book on iTunes for FREE:You're Not the Only One - The Agony of Divorce: The Joy of Peaceful ResolutionMatthew Brickman President iMediate Inc. Mediator 20836CFAiMediateInc.comSCHEDULE YOUR MEDIATION: https://ichatmediation.com/calendar/OFFICIAL BLOG: https://ichatmediation.com/podcastOFFICIAL YOUTUBE: http://www.youtube.com/ichatmediationOFFICIAL LINKEDIN: https://www.linkedin.com/company/ichat-mediation/ABOUT MATTHEW BRICKMAN:Matthew Brickman is a Supreme Court of Florida certified county civil family mediator who has worked in the 15th and 19th Judicial Circuit Courts since 2009 and 2006 respectively. He is also an appellate certified mediator who mediates a variety of small claims, civil, and family cases. Mr. Brickman recently graduated both the Harvard Business School Negotiation Mastery Program and the Negotiation Master Class at Harvard Law School.

Spencer is dealing with the aftermath of the election, the future of democracy and the potential economic collapse. Kevin's dealing with stuff too, like trying bone marrow and remembering the old Joe Rogan. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Episode 149 of the ByoPodcast Ingxoxo99. Official website: https://byopodcast.com/ ------------------------------------------------------------- ----------------------------------------- Host: Vuyi Cohost: Jane / Ralph Video & Lightning : Ralph Content Producer: Mgcini Sound: Ralph Post production: Ralph Venue : Cotton Lounge ------------------------------------------------------------------------------------------------------ Join our membership to support the channel : https://www.youtube.com/channel/UCrJFvubYBiqw7cPQ63wgbOw/join

Power utility Eskom THIS WEEK announced unprecedented plans to interrupt power supply to the City of Johannesburg at certain pre-determined times of the day from next month, citing City Power's failure to pay R4.9-billion in arrears. If Eskom goes ahead with it's plans, that will leave hundreds of thousands of households in South Africa's largest city in the dark even when many of them are fully paid up customers with City Power or have pre-paid meters. When metros or municipalities fail to pay Eskom on time or at all, it forces Eskom to borrow additional money at premiums to fund operational costs, particularly as the country's municipal debt arrears to Eskom stands at R90-billion. The power utility is expected to announce a decision on the intended electricity interruptions in the middle of December. The Organisation Undoing Tax Abuse - OUTA - plans to submit written representations on the matter. Bongiwe Zwane spoke to  OUTA  Executive Director, Advocate Stephanie Fick 

The Vice President, Mahamudu Bawumia has been challenged to initiate payment of the NABCo trainees 9 months arrears, to show his commitment towards curbing youth unemployment. The NDC's Flagbearer, John Dramani Mahama says, his main contender should desist from the rhetorics or lip service and show his readiness to create jobs for the young people. John Mahama has been campaigning in the Biakoye Constituency of the Oti region. In what appears as a response to Bawumia's youth engagement, John Mahama feels the vice president is attempting to lie his way to win the Presidential election. According to him, youth such as the NABCo trainees must be paid to show his government's readiness to create jobs for the young people.

Tired of dealing with rent arrears? Rent arrears can start off really small with a late payment here or there but if not managed properly it can snowball into something much bigger leading to serious financial stress and legal battles. Rent arrears is a task that must be given attention daily and sometimes we forget the human element involved in managing finances or money. Life happens, illnesses, jobs, relationships or addictions can all affect rental payments and maybe it's time for us to focus on more of a holistic solution to the rent arrears issue. Like helping tenants with budgeting tools and saving money for a rainy day (Let's be honest we have all been there! We've all had financial struggles from time to time).Facing tenant rent arrears is a challenge, but it doesn't have to be a battle.What if I told you there are more creative solutions and support for property managers navigating rent arrears then you thought? In this episode we chat with Shane who is an experienced executive with a backgroundin financial services and academia, demonstrating proven leadership inmanaging technology businesses, developing financial products, and enhancing digital customer experiences. His career highlights include successfully launching products to market and achieving tangible results while engaging with diverse internal and external stakeholder groups across various cultural backgrounds.Tune into this episode for alternative strategies to manage and prevent rent arrears. “I think having a call center or a resource available is a really good tool to manage those arrears and giving the renter features and tools to stay on top of their budgeting is a really important one” - Shane Lavagna-SlaterWe explore:How Rentpay is cutting down admin work for property managers, from hours to just minutes a dayThe benefits with Rentpay and their cleared payment system. That means no more worrying about dishonored payments or refunding rent that's already been transferred to property ownersThe upcoming innovations of Rentpay from paypal integrations, invoicing and payment optionsAn overview of Rentpay by Shane and how it works along with it's features and how Rentpay simplifies rental management for agencies while providing tenants with more control and convenience Connect with Shane Lavagna-Slaterhttps://www.linkedin.com/in/shane-lavagna-slater-phd-gaicd-0664b620/?originalSubdomain=auhttps://www.rentpay.com.au/https://www.rentpay.com.au/agents/?utm_campaign=perfmax_paylab&utm_medium=cpc&utm_source=googlehttps://www.youtube.com/watch?v=hqJ9kINoT-gKylie's ResourcesProperty Management Growth School: https://courses.thatpropertymum.com.au/TPM-BDMSchoolDigital Marketing School: https://courses.thatpropertymum.com.au/digitalschoolThat Property Mum Courses:

Richard Kofi Jordan, the General Secretary of the Mortuary Workers Association of Ghana (MOWAG), has announced that all mortuary workers across the country have embarked on an indefinite strike.

Heidi Shackell is the CEO Boss lady of Lettings Hub, the tenant referencing on board specialist in Peterborough. She dropped by the WatkinSofa in the Summer of 2024 to chat about life and more important things like lettings

Send us a textWhat if you could achieve zero rent arrears in your property portfolio? Our latest episode is packed with expert insights on this ambitious goal. We're joined by Giselle from M-Motion in Queensland, Sam from Rent Choice in WA, and Skye from Taylored Property Management in Adelaide. These seasoned professionals discuss the effectiveness of tenant education at different stages and stress the crucial role of early communication and prompt intervention. Giselle sheds light on the importance of consistent follow-ups to maintain a clean tenant ledger, while Sam emphasizes how combining automation with personal touches can streamline arrears management.We uncover practical strategies that can transform your rent collection process. Learn how direct debit systems and automated platforms like PropertyTree and PropertyMe can simplify your workload. Skye shares her hands-on experiences from South Australia, highlighting the challenges of legislative variations and the necessity of timely phone calls to resolve payment issues. Our conversation dives into the nitty-gritty of handling dishonored payments and issuing breach notices, offering you a robust framework to adapt to your local regulations.Enhancing tenant education is key to long-term success in property management. We explore how detailed checklists during sign-up appointments and personalized communication can make all the difference. Beyond automation, personal follow-ups remain indispensable in maintaining clear and effective communication with tenants. By the end of this episode, you'll have actionable tips to celebrate milestones and strive towards zero rent arrears in your property management practice. Business owners are building their rental portfolios faster than ever and Property Managers can't possibly do it all!Keep your property managers doing what they love and outsource the things they don't to a company that thrives on positive feedback and guarantees a premium personalised servicewww.propertyassistwa.com.au The PIP Advantage for Landlord InsuranceUp to $70,000 contents cover included in our landlords policies14 months cover for just 12 months premium in your first yearFurther discounts when you have three or more properties insured through PIP24/7 Australia-wide claims serviceOnline Real Estate Agent Portal for easy access and managementVisit their website This weeks sponsor is On Tap Plumbing & Gas - 24/7 Plumbing servicing all of Perth from Mandurah to Two Rocks.www.ontapplumbinggas.com.au6206 6888Support the show

Welcome back to the APS News Bulletin, your source for the latest updates and insights from the Australian property market. Join Sammy Gordon, as he breaks down this week's most pressing updates and announcements along with his expert analysis to keep you informed and on top of news.    In this week's episode, Sammy reports and discusses: 4 Interest Rate Cuts Predicted in the Next 12 Months Arrears Jump with NAB Customers  Strictly limited tickets are available to the Australian Property Scout Summit on Sunday, November 17th at The Star in Sydney. You will leave with actionable steps, expert inspiration and direction to level up your property investing game, along with the opportunity to be surrounded by the APS and SAP community to expand and develop your circle of influence. Tickets are officially available and are selling fast, click here to save your spot!

Coalition of NABCO Trainees has made a passionate appeal to the National Peace Council, urging its swift intervention in the ongoing crisis regarding unpaid allowance arrears, which has affected trainees since 2021

Will the spending of the 14 billion apple tax become a central point in the election? Anton spoke to Gabija Gataveckaite, Political Correspondent Irish Independent to discuss further and also asked how will we spend the Apple tax arrears money?

People appear to be getting a better handle on their financial situations.  The latest Centrix figures for July show overall the number of people behind on their payments fell month-on-month by nine thousand to 456 thousand.  Chief Operating Officer Monika Lacey says there's also positive signs when it comes to those who are several months behind.  She says that number is decreasing too, which indicates people are starting to manage their financial positions quite well.  LISTEN ABOVE See omnystudio.com/listener for privacy information.

What if the fear of losing your rental property is actually helping tenants stay on top of their payments? In this episode, we explore the intriguing dynamics of the current rental market, where tenants are managing to prioritize their rent commitments despite economic pressures. We compare today's trend with the COVID era, unveiling how the risk of facing higher rents and moving costs is driving tenants to stay current on payments. You'll gain insights into tenant arrears, understanding why most tenants manage to catch up quickly, and how overall terminations and long-term arrears remain under control. Additionally, we touch on broader economic behaviors, such as the reduction in dining out, which reflects how people are cutting back to manage their finances.As we shift our focus to the northern beaches, we uncover the scarcity of houses available for rent and how tenants are navigating this challenge. Discover why quality and amenities like air conditioning and dishwashers are becoming top priorities, even over affordability. We'll discuss the particular difficulty in finding larger homes for families and why these properties are increasingly rare and held onto for longer periods. Despite these hurdles, our analysis reveals that tenants are weathering the current economic conditions with greater stability than during the height of the pandemic. Join us as we dissect these trends and provide a thorough update on the rental market landscape as of August 2024.

Consumers finances look to be recovering, but the relief has yet to pass on to businesses.  The Centrix July Credit Indicator says arrears are easing slightly, with the cost of living also coming down.   It shows 465,000 New Zealanders are behind on their payments, down 9,000 month-on-month.   However, retail energy arrears rose 30% because of the winter months and the ongoing cost-of-living crisis.   Centrix's Managing Director Keith McLaughlin told Mike Hosking that the downwards trend in arrears indicates that households are getting back in control of their budgets and managing their money a lot better.  Meanwhile, businesses are doing it tough, with company liquidations up 20% in 12 months.  However, McLaughlin said, that's not taking into account the hidden damage to businesses, in which around 50,000 businesses in the last month have just closed the door and walked away.  LISTEN ABOVE See omnystudio.com/listener for privacy information.

The latest RBA bulletin, just released, contained a couple of significant articles relating to mortgage arrears and serviceability. The first, “Recent Drivers of Housing Loan Arrears” shows that Housing loan arrears rates have increased from low levels since late 2022, with banks expecting them to rise a bit further from here. High LVR and DTI … Continue reading "How Do We Know That Mortgage Arrears Are Now Rising In Australia?"

Today's program comes to you from Virginia and California.  Join Emily Jernigan (Regional Administrator for the California Department of Child Support Services) and Mariellen Keely (Grants and Initiatives Consultant Senior, Virginia Child Support) as they host today's episode.  They welcome David Kilgore (Director), Justin Freitas (Deputy Director), Catherine Manzano (Chief Information Officer) and Sidney Burt (Strategic Communication Manager) – all with the California Department of Child Support Services.  Get to know them:  their history and what got them started in the child support program.  They talk today about California's former assistance arrears pass-through in their state:  what it is, the recent change, why the shift, and who it impacts.  They also discuss policy perspectives, messaging campaigns, and how it was implemented – including some advice for other states. 

Paul Shamplina to Grantham to sit on the WatkinSofa in January 2024. in this chat, I asked him why Landlords Go For CCJ's When Their Tenants Are In Arrears

A listener writes in and asks, "If I'm paying alimony and suddenly laid off, what do I do while waiting for a modification if I cannot afford to pay?" Matthew Brickman answers your most frequently asked questions about divorce as he goes over several key points:Assume nothing.Know who you are before you get married. Know who you're getting married to. Know the laws and statutes in the state you live in.Don't take advice from anyone who isn't a legal professional in the state in which you're getting married and living in.If you have a matter, disagreement, or dispute you need professional help with then visit iMediate.com - Email mbrickman@ichatmediation or Call (877) 822-1479Matthew Brickman is a Florida Supreme Court certified family and appellate mediator who has worked in the 15th and 19th Judicial Circuit Courts since 2009 and 2006 respectively. But what makes him qualified to speak on the subject of conflict resolution is his own personal experience with divorce.Download Matthew's book on iTunes for FREE:You're Not the Only One - The Agony of Divorce: The Joy of Peaceful ResolutionMatthew Brickman President iMediate Inc. Mediator 20836CFAiMediateInc.comSCHEDULE YOUR MEDIATION: https://ichatmediation.com/calendar/OFFICIAL BLOG: https://ichatmediation.com/podcastOFFICIAL YOUTUBE: http://www.youtube.com/ichatmediationOFFICIAL LINKEDIN: https://www.linkedin.com/company/ichat-mediation/ABOUT MATTHEW BRICKMAN:Matthew Brickman is a Supreme Court of Florida certified county civil family mediator who has worked in the 15th and 19th Judicial Circuit Courts since 2009 and 2006 respectively. He is also an appellate certified mediator who mediates a variety of small claims, civil, and family cases. Mr. Brickman recently graduated both the Harvard Business School Negotiation Mastery Program and the Negotiation Master Class at Harvard Law School.

The number of people falling victim to fraud involving cryptocurrency has more than doubled between 2020 and 2023 according to Action Fraud. The value of such fraud has also increased. Our reporter Dan Whitworth has met one such victim, an 86 year old in South Wales who lost over £70,000. Following a Money Box investigation she's now had her lost life savings refunded. We've been reporting on difficulties people are having moving from working tax credits to Universal Credit. We hear from a listener who runs an annual skinny dipping event to raise money for charity, she's been told by her work coach that all her fundraising will be considered personal income for the purposes of Universal Credit. In a week that some lenders increase interest rates, figures from the Bank of England show an increase in arrears on mortgage accounts. We hear how people are coping with their mortgage costs and what you can do if you're struggling to pay them. Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Sandra Hardial and Jo Krasner Editor: Beatrice Pickup(First broadcast Saturday 16th March 2024)

New data suggests most people are managing their cash flows quite well.  The latest Centrix credit report shows the number of people behind on their payments is down 23 thousand, month-on-month.  About 12% of people are in arrears for any missed payments, but only 2% are more than 90 days behind.  Centrix Managing Director Keith McLaughlin told Mike Hosking that this is in line with what's expected for this time of year.  He believes that the numbers are going to stay about where they are as far as consumer arrears are concerned, and doesn't see any relief coming in the short to medium term.  LISTEN ABOVE See omnystudio.com/listener for privacy information.

Padraic Kissane, Financial Adviser speaks to us

Sermon for 24th March 2024. Palm Sunday

On this episode we discussed the fact that rent arrears for social housing tenants are over €70 million...with 900 tenants owing over €11,000. Should they be evicted, or helped?

Brian O'Connell, RTÉ Reporter

We sit down with Pacific Cascade Legal's Partner, Will Jones, to discuss the various types of money awards that might be ordered by a judge, and how long they last after a family law matter finalizes.If you would like to speak with one of our attorneys, please call our office at (503) 227-0200, or visit our website at https://www.pacificcascadelegal.com.Disclaimer: Nothing in this communication is intended to provide legal advice nor does it constitute a client-attorney relationship, therefore you should not interpret the contents as such.

The squeeze has been put on homeowners, with mortgage arrears at a four year high. Cranked up interest rates have meant home owners have missed payments or gone interest only. Centrix says there are nearly 21 thousand overdue mortgage accounts, up 21 percent on the year before. Financial adviser Glen McLeod from Edge Mortgages speaks to Lisa Owen. [embed] https://players.brightcove.net/6093072280001/default_default/index.html?videoId=6345974497112

Concerns hold fast as the pressures of the cost of living continue to spread.  The latest Centrix Credit Indicator shows non-discretionary arrears are going up, with telco arrears above 10% for the first time in four years.  Managing Director Keith McLaughlin says the number of households behind on utility accounts are up to 4.9%, well up on the last couple of years.  He says we're starting to see those consumers who don't go out and buy things because they can't afford to still getting caught by credit that's not discretionary.   LISTEN ABOVE See omnystudio.com/listener for privacy information.

Higher interest rates and living costs are forcing more property owners with mortgages over $500,000 into arrears, according to new data.

This week's podcast has us looking into a number of pretty big changes taking place in our economy this month, along with a close examination of both the November Real Estate Stats for Vancouver and the impact of the decision by the BOC, to further hold rates.With the BoC having maintained interest rates at 5%, in line with expectations due to a slowing economy and decreasing inflation rates, marks the third consecutive hold, reminiscent of the pattern observed in 2020 when rates remained at 0.25% for almost two years! The current stability hints at a potentially stabilizing economic landscape, with attention shifting to the possibility of rate cuts in the new year.The decision to hold rates is influenced by a softer-than-expected October inflation reading at 3.1% y/y. Gasoline price declines, contributing to a 0.1% m/m drop in the headline index, were a key factor. Core inflation, which the BOC monitors, decelerated from 4.0% to 3.8%. The combination of falling inflation, a weakening labor market, and subdued economic growth indicates a further holding in rate hikes, with expectations of rate cuts as early as April next year.Arrears rates have increased slightly to 0.16%, with Saskatchewan having the highest rate at 0.58%. The podcast discusses the government's response to potential challenges in mortgage renewals through the "Canadian Mortgage Charter." However, it's noted that the charter lacks legal backing, presenting it more as a symbolic gesture than a concrete policy shift.The GDP fell by an annualized rate of 1.1% in Q3, below the BOC's expected 0.8% growth. Real GDP per capita has declined for a fifth consecutive quarter, indicating a weakening economy. Meanwhile, recent cooling in the bond market is anticipated to result in savings for those seeking fixed-rate mortgage products in the latter half of 2025 or 2026.Predictions about rate cuts are prevalent now, with markets pricing in 3 to 4 quarter-point cuts by the end of next year. While this may benefit some mortgage holders, there's also the potential negative impact on the economy, especially considering factors like job losses and negative GDP continue to get worse.Local November sales statistics for Vancouver didn't change much, noting a 4.7% sales volume increase from November 2022 but a significant drop in sales volume of 17% m/m. Inventory remains a central theme and a sales-to-active ratio officially indicating Vancouver is in a balanced market. Prices have seen a 1% decrease from October 2023, marking the fourth consecutive month of declines but still reflecting a 4.9% increase over November 2022.Tune in and get the full story on our ever-changing Vancouver real estate landscape.  _________________________________ Contact Us To Book Your Private Consultation:

As the number of homeowners behind on their mortgage jumps we look at a scheme in Wales trying to help people stay in their homes.Also on the programme we speak to experts who weigh up the pros and cons of deferring your state pension and hear about the complications one woman had in getting the money she was owed.We'll tell you if you're eligible for the winter fuel payment and, as the cost of living continues to bite, we visit a baby bank in Perth and Kinross to meet the volunteers who run it to speak to them about the increasing demand for help in providing everything from nappies to milk powder to wipes and toys.

Patch 1.4 of Star Rail is live on PC, PS5, and mobile, making it the perfect time to talk about corporate raiding of a small ice planet! Join us as we talk about the main story quest and primary antagonists Topaz and Numby.

Charlie Weston, Personal Finance Editor with the Irish Independent, on the spike in households getting into arrears on their electricity and gas bills.

Tricia Keilthy, Head of Social Justice & Policy at the Society of St Vincent de Paul

We talk to Personal Insolvency Practitioner Mitchell O'Brien who is co-founder of the Insolvency Resolution Service (IRS).

Eoin McGee, Personal Finance Expert.

Padraic Kissane, financial advisor & member of the Irish Banking Culture Board, on what interest rate rises mean for mortgage holders.

On this episode we heard how over 700 South Dublin Council tenants face eviction for rent arrears. Is this answer in the middle of a housing crisis, to make more people homeless? Adrian & Jeremy nearly came to blows over this!!!

Master and Pupil discuss eating out of solidarity, sold soles, eliminating razor burn, sellable screeners, corporate discourtesy, Levis' lifetime warranty, hard seltzer class action, seeking validation outside the walls of your family, bottomless entertainment, the importance of IP and saying it with flowers.