Last week I moderated the Truth in Beauty Panel, Surfactants Edition, at the 15th ICIS World Surfactants Conference, brought to you by the Independent Beauty Association. This episode features that conversation! How has misinformation impacted the surfactants sector? Disclaimer - surfactants are chemicals that are fundamental for much of what we have become accustomed to societally, from transportation to infrastructure and more. In cosmetics, they enable many of the different product formats, such as lotions and cleansing products. The panel included Dennis Abbeduto from Colonial Chemical, Claire Mcgahan from Stepan Company and Women in Chemicals, and Neil Burns, who put on the conference with ICIS. Big thank you to Colonial Chemical for sponsoring IBA to help make this conversation happen!

Disclaimer, we had some recording challenges at the conference so this was a re-record - for those in attendance, worth a second listen since we covered a bit more!

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What does it mean to be house poor in today’s Canadian economy? With home prices rising much faster than wages, more people are stretching their finances to buy property, only to find themselves stressed, overleveraged, and without a financial safety net. We explore how the definition of "house poor" has evolved, the role gig work and income instability play, and whether it's ever worth it to stretch your finances for a home. Most importantly, we share practical tools to help you avoid becoming house poor—or to recover if you’re already there. (0:00) Defining "House Poor": Understanding the Basics (2:00) The Changing Definition of House Poor Over Time (3:45) House Prices vs. Wages & Inflation (6:00) Gig Work & the Modern Workforce (8:30) When Is Being House Poor Acceptable? (13:00) Rethinking Homeownership as Investment (14:30) Practical Advice: How to Avoid Becoming House Poor (19:30) Financial Planning Tools: Calculating Your Homeownership Affordability (22:00) The Link Between Homeownership & Unsecured Debt (26:00) Getting Out of the House Poor Situation: Actionable Strategies What To Do If You Can’t Pay Your Mortgage Second Mortgage Home Equity Loan or Interest Free Consumer Proposal?

Can You Get A Mortgage With Bad Credit? DEBTASIZED - How Our Reliance on Credit Leads to Price Inflation FREE YouTube Doc Sign Up for the Debt Free Digest E-Newsletter Debt Free in 30 Podcast YouTube Channel Hoyes Michalos YouTube Channel  Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Is religious belief a form of make-believe — and if so, what deeper truths might we be acting out? Neil Van Leeuwen joins Igor and Charles to explore the psychological roots of religion, the nature of belief, and how sacred values shape group identity. Igor reflects on the blurring line between religious and political convictions, Neil argues that religious credence operates more like imaginative play than factual belief, and Charles considers whether conspiracy theories might be filling the same social and psychological roles. Welcome to Episode 65.

Special Guest: Neil Van Leeuwen.

Links:

• Neil Van Leeuwen' site | Florida State University
• Religion as Make-Believe A Theory of Belief, Imagination, and Group Identity | Book - Neil Van Leeuwen
• The Puzzle of Belief - Neil Van Leeuwen & Tania Lombrozo (2023)

Loans are getting longer, interest rates are getting higher, and that shiny new car? It could lead to serious debt. We dive into Canadian data to help you make informed choices when it comes to buying, leasing, or walking away from a car loan that no longer makes sense. 

Can I Buy a Car With Bad Credit? Car Buying Options Keep You In a Debt Cycle How GMC Revolutionized the Car Loan Industry DocumentaryWhat Not To Do When Getting a Car Loan DEBTASIZED - How Our Reliance on Credit Leads to Price Inflation FREE YouTube Doc Sign Up for the Debt Free Digest

(00:00) – How to Get a Car Loan in Canada (02:00) – Exchange Rates & the Canadian Dollar Impact (03:30) – Used Car Prices Explained (04:30) – What Influences Interest Rates? (12:00) – Is Your Car Loan Secured? Risks of Repossession (13:30) – What Happens If You Miss Car Loan Payments? (15:00) – When and Why Do Lenders Repossess Cars? (19:00) – Smart Car Buying Tips: Save Money with Strategic Choices (22:00) – Car Leasing in Canada: Pros and Cons Compared (25:00) – How to Get Out of a Car Loan Legally and Strategically Visit us on social media for the best clips from the show and more!  Instagram Tik TokX Facebook LinkedIn Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.