Learn how to survive a financial crisis by building resilience and strengthening your personal finance foundation. This conversation provides practical steps to prepare for economic instability. We discuss the core principles of protecting your assets and maintaining stability during uncertain times. Whether you are concerned about market volatility or personal budget security, this discussion offers a clear perspective on how to build financial resilience effectively. We break down the mindset and tactical adjustments necessary to weather a storm. Implementing these money management strategies can help you maintain control over your future. We examine why proactive planning is the most effective tool for financial crisis survival and how to adjust your habits before trouble starts. Subscribe for weekly personal finance tips and comment below with your biggest worry regarding the current economy.

Related Links:

What Many Canadians Still Get Wrong About Debt:

youtu.be/VS50UtDNWRA

The Dangers Of Installment Loans:

youtu.be/fmN23pIWbWg

Behind on Payments? Here's What To Pay First:

youtu.be/1oVaraaWaH4

Warning Signs You Have Too Much Debt & How To Deal With It:

www.hoyes.com/blog/15-warning...

Our Free Online Budgeting Course:

courses.hoyes.com/courses/how...

Kitchener Synth Duo R&D Perform Live! from The Adventurer’s Guild on Ontario St. every second Monday night.

This episode’s music was originally recorded on June 8th, 2026.

IG: @rnd.synth
Bandcamp: rndsynth.bandcamp.com

♦

♦Subscribe to the podcast!

♦

Can trust be given freely, or must it always be earned?

In this thought-provoking episode of JAM With Zogho, we explore one of the most important foundations of every relationship: trust. From friendships and family to business, leadership, and love, trust influences how we connect, communicate, and grow.

Join MC Zogho as he unpacks the questions many of us wrestle with:

• Should trust be automatic until broken?
• Is trust earned through consistent actions?
• Can trust ever be fully restored once lost?
• How does trust impact our personal growth and peace of mind?

Featuring conscious conversations, inspiring reflections, and a soundtrack of powerful Afrobeats and Afrofusion music, this episode invites listeners to examine their own experiences with trust and discover healthier ways to build meaningful relationships.

Tune in, tap in, and transform.

JAM With Zogho
Music. Mindset. Meaning.

A Radio Waterloo Original.
Real Music. Real People. Real Impact.♦

Electronic Forest plays the week’s best new electronic dance, pop, trance, and house music.

♦

Download: Electronic Forest – #8 – Jun 19, 2026 (MP3, 80 MB, 58m00s)

Electronic Forest airs on CKMS-FM on Fridays from 9am to 10am and Saturdays at midnight.

Click here to go to the Electronic Forest homepage

♦Subscribe to the podcast!

What’s up, y’all? Here is tonight’s Clean Up Hour — the 83rd All Things Considered, which makes the case for Atlanta’s Fuze the MC. A small discography makes not for a small voice or sense of purpose, especially not when his first mixtape can take me right back to the summer of 2011 with such ease.

Tracklist:

Intro (Trouble of the World)
Talibah’s Interlude
Ego Trippin
Final Bout
Gimmi the Loot
What It Do
Game Night
I Swear I
Whip Music
NoBS Radio (Skit)
Lessons (feat. Lil B & Common)
Rings of Destiny (feat. Charles Hamilton)
Wager
The One (feat. Ashley Joy & Amir)
Mind ‘n’ Body
Lofinite
Unbelievable Interlude
Angel in a Blue Dress
Vibrations
Amber Alert (Was She Really Here?)
Moon Dance
Somebody Called It Love
Ashley’s Interlude
That Wave That Fire
Enjoy Yourself
Block Schedules
Somethin GOOD
Tell Me
Scribbling Classics
Bust a Move
We People
Atonement (feat. Common & Bosko)
I Swear We Made It
The Occasion
Love Letter Outro
Take Me Higher (feat. Mkla)
The Vent
Sunshine (Summers in Atlanta)

I’ll see y’all next time!

RIP Tay Keith & Oliver Tree

Is your credit limit too high? Learn how to safely request a lower credit limit to manage your personal finances more effectively. Most financial advice focuses on getting more credit, but having too much available can be a liability for some borrowers. This video explains why you might want to reduce your total credit limit and the specific steps required to contact your bank to make this adjustment. We cover the potential impact on your credit score and the practical reasons for keeping your credit card management simple. Understanding how your bank views a request to lower your credit limit is essential for maintaining control over your debt. By the end of this video, you will know exactly how to handle your credit limit if you decide it is simply too high. Subscribe for weekly credit card management breakdowns, and comment below if you have ever had to ask a bank to reduce your borrowing power.

00:00 Intro

00:19 Case Study - Client example of Bank Giving More Than Asked For

01:28 How Do Banks Decide Your Credit Limit

04:50 Debtasized & Brief Credit Card History

07:08 How People Very Easily Become Over Extended with Credit

09:28 What is Lifestyle Inflation

10:50 When High Credit Limits Are Actually Useful

13:01 High Credit Limit Risks & Downsides

16:08 Practical Advice on Managing High Credit Limits

20:28 Implications of Lowering Credit Limits

22:15 Keeping Up With Payments On Lines Of Credit

24:23 Dos and Don'ts of Using Credit

Related Links:

Debtasized Documentary: • DEBTASIZED - How Our Reliance On Credit L...

Banks Are Not Your Friends - Here's Why • Banks Aren't Your Friends - Here's Why

FREE How To Budget Course: courses.hoyes.com/courses/how...

Debt Free Digest Monthly E-Newsletter Sign Up Here hoyes.tips/debt-free-digest-s...

Debt Repayment & Consumer Proposal Calculator hoyes.tips/repayment-calculat...

Hoyes Michalos YouTube Channel – Reliable Canadian Debt Answers by Experts / @hoyesmichalos

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.

Hey music fans,

Here’s the track list for the second episode of Audio Salad!

You can listen below via the embedded player near the bottom of this post.

CKMS FM 102.7 11am EST – 12pm EST

(FT. BIG DADDY KANE, DIMITRI FROM PARIS)
Y POP, ALTERNATIVE, HIP HOP 11:49:40 DJ SPEAKING JASON PATTERSON / PROLIFIC TRICKS 11:50:18 THIS LIFE ANDREW O Y HIP HOP 11:54:07 SHOW OUTRO JASON PATTERSON / PROLIFIC TRICKS 11:54:16 UPSIDE DOWN PROLIFIC TRICKS Y HIP HOP, ALTERNATIVE

      See you next time, Thursdays from 11am EST – 12pm EST!

Audio Salad is an eclectic mix of rock, hip hop, reggae, indie, alternative,  and much more. Each week will be a new journey, with an emphasis on Canadian talent.

Audio Salad is hosted by Canadian recording artist Prolific Tricks aka Jason Patterson and airs on CKMS 102.7 FM Radio Waterloo, Thursdays from 11am EST to 12pm EST & on demand.

My debut album, Down to Earth (2026), and additional tracks  are  available at ProlificTricks.Bandcamp.com & all music platforms.

I can be reached at ProlificTrickery@Gmail.com and would love to hear from you!

♦

A show featuring tracks written about in Robert Christgau’s book Grown Up All Wrong, celebrating the Dean of American Rock Critics in general. Talk of him as an appreciator of African music, late style, girls who rock, and lots more. We’re lucky to have him, and to have him so well preserved on his own website.

• Emmett Miller — “Lovesick Blues” (1928)
• James Brown — “Get It Together” (1967)
• Bonnie Raitt — “You Told Me Baby” (1972)
• New York Dolls — “Stranded in the Jungle” (1974)
• Boogie Down Productions — “Love’s Gonna Get Cha (Material Love)” (1990)
• Mekons — “Memphis, Egypt” (1989)
• Mahlathini and the Mahotella Queens — “Thuntswane Basadi” (1987)
• The Master Musicians of Jajouka — “Jajouka Between the Mountains” (1992)
• Lou Reed — “Egg Cream” (1996)
• L7 — “Shitlist” (1992)
• Arto Lindsay — “Horizontal” (1996)
• Al Green — “Love and Happiness” (1972)

Northern Lights plays the week’s best new pop, rock, and electronic music from Canadian artists.

♦

Download: Northern Lights – #8 – Jun 17, 2026 (MP3, 80 MB, 58m00s)

Northern Lights airs on CKMS-FM on Wednesdays from 9am to 10am and Fridays from 10pm to 11pm.

Click here to go to the Northern Lights homepage

♦Subscribe to the podcast!

Playlist from Exploring AI Music_ June 16, 2026

Start Time

Title

My music is also available at golenkazzian.bandcamp.com and can be heard 24/7 at www.youtube.com/@GolenKazzian or hello.citrus3.com:2020/public/gokazz (24/7 radio station)

Write to me at GolenKazzian@radiowaterloo.ca.

♦Subscribe to the podcast!

Download: radiowaterloo.ca/wp-content/uploads/2026/06/RadioNowhere260615Episode164.mp3, 58m00s, 82.0 MBytes

Subscribe to the podcast!

Synthetronic 80s plays 1980s synth-pop, dance-pop, hi-NRG, Italo-disco, and up-tempo pop/rock music. A mix of mainstream and lesser-known tracks.

Download: Synthetronic 80s – #28 – Jun 15, 2026 (MP3, 80 MB, 58m00s)

Synthetronic 80s airs on CKMS-FM on Sundays at midnight and Mondays from 9am to 10am.

Click here to go to the Synthetronic 80s homepage

♦Subscribe to the podcast!

I have a jam packed show! We sat down with WWE hall of famer The Great Khali!

Plus new school and old school music

ERI WAVE FM RADIO 14  JUNE 2026 SHOW  ( ERITREAN COMMUNITY RADIO BROADCAST FROM CANADA ONTARIO ) INTERVIEW WITH LULYA  HABTEMICHAEL ( POLITICAL SCIENCE 4TH YEAR STUDENT IN WILFRID LAURIER UNIVERSITY WATERLOO CAMPUS ) ARTICLES  ABOUT DEBT AND BORROWING ,   ARTICLE ABOUT FATA ( LOCAL FOOD)  AUDIENCE MESSAGE, ONTARIO WEATHER FORECAST…ETC

MUSIC LIST AND START TIME

1. MEAREYE  BY DAWIT SHILAN                                            01:18-05:15
2. NESENET BY MEASHO HALEFA                                         08:52-12:05
3. HUSUM EYU FQRI BY ABUBEKER HAJI  HASSEN  28:50-32:40
4. SHUG TAMITAKH BY YOHANNES SOLOMN             40:44-44:45
5. WEDI SEB BY YUNUS IBRAHIM                                          45:32-49:10
6. WEDEBAT ADEY  BY YEMANE BARIA                             50:05-51:45
7. NEMENYE BY TEDROSE ERURU                                         54:20-58:20

What’s up, y’all? Doing things a day early due to some personal commitments tomorrow, so here is everything I’ve added to Libretime since last Sunday:

Here is tonight’s Horizon Broadening Hour:

Tracklist:

Charles Szczepanek – For The Beauty Of The Earth
Tristan Cappel – Chapters
Kuba Dworak – Knowing Too Much To Be At Peace
OLYMPIA – Oh, My Love
Cooper Benaiah – Left Me At The Altar
Mapea – Walking 4EVER
DJ Unknown – The Rain
BAKSH – All I Wanna Say
Porchlight Sessions – Light In Your Eyes
Matty Simpson – Boxcar Baby
LeBarons – Running River
Josh Odair – Brother, Brother
Alan Gerber – Diablo Square
Amy Blanding – Lullaby To My Tender Comrades
Anja Kotar – How To Grow Lillies On The Moon
Liv Wade – Blue House Paint
Swiss Army Wife – It Used To Snow
Luge – Driving In My Car
Among Legends – Band Dudes F*** Off (feat. Laura Derocchis)
Taxi Girls – Secret Handshake
Quadra Sound – She’s Wearing Black
The Nolas – Out Of This World
The McBains – Blue Lights
YAASiN & Sean Terrio – DON’T DO THAT
Sean Bienhaus – Nothing New
Softklub – Calling the Rain
Half Dollar Dog – Kiss My A**
The Fods – Teenage Lust
Graham Parker & The Goldtops – Hotel Chambermaid
Jody Glenham – Good Fruit
Prchr. – Tears
Jon Stancer – We May Never Recover From This
Adam Rodway – Matter Of Fact
King Rat – Interlude
The Get Alongs – Secret Shopper

See y’all next time!

Welcome to the show! This week I’m playing more of my recent favourite jazz records. This mix is saxophone-heavy again. In the second half I shift to some spiritual jazz from Ottawa by the Antlantis Jazz Ensemble, some jazz-folk from the Tara Clerkin Trio, R&B/jazz by River Tiber. To end the mix I played Private Room by RAD, which I discovered as the funky sample behind MIKE’s You’re the Only One Watching.

Tracks Played:

• Wayne Shorter – Pay as You Go
• Jackie McLean – Eco
• Hank Mobley, Sonny Clark – Deep In A Dream
• Jimmy Smith – Blues 3+1
• Sun Ra – Blues at Midnight
• Chet Baker, Art Pepper – Tynan Time
• Atlantis Jazz Ensemble – Oneness
• Archie Alleyne, Doug Richardson (Kollage) – Saturday Morning
• Tara Clerkin Trio – There Was A Nice Sunset
• RAD – Private Room

The Tune Up airs on CKMS-FM every Friday from 6-7pm.

Electronic Forest plays the week’s best new electronic dance, pop, trance, and house music.

♦

Download: Electronic Forest – #7 – Jun 12, 2026 (MP3, 80 MB, 58m00s)

Electronic Forest airs on CKMS-FM on Fridays from 9am to 10am and Saturdays at midnight.

Click here to go to the Electronic Forest homepage

♦Subscribe to the podcast!

What’s up, y’all? Here is tonight’s Clean Up Hour — diving right in because I am spread too thin to say anything of particular value lately.

Tracklist:

A Tribe Called Quest – Push It Along
G Perico – LA Takeover
Slim 400 – Dum Booty
me-mai, Miraa May, & Litty – No Boys Allowed
03 Greedo & Shoreline Mafia – Trap House
Michael Christmas – IS IT NOT CLOCKING?
Brian Jackson & Omar – The Bottle (12″ Version)
Smoke DZA & Memphis Bleek – Slide
Isaiah Rashad – SUPAFICIAL
Bow Wow – **** You ***** (Freestyle)
The Game – Slangin’ Rocks
Paul Wall – Gettin’ Paper, Smokin’ Major
Redman – Boodah Break
Domo Genesis & Remy Banks – More Clouds
Nitty Scott, MC – Skippin’ Clouds
Rick Ross, 2 Chainz, Stalley, & Buddy – Party Heart
mgk & Wiz Khalifa – stoned
Dom Kennedy, Niko G4, & INDICA – Promise
Curren$y & Wiz Khalifa – What She In It For?
Drake – Q&A
Blu, Exile, & Ahmad Anwar – Lazy Afternoon
Mike Posner & blackbear – Marauder Music (Drive In The Dark To This)
2Pac – Never Had A Friend Like Me
Lute – Where’s Da Music
Lolo Zouai – Angel, Give Them H*ll
Drake – Make Them Pay
Vince Staples – 7 in the Morning
Bazooka Joe 204 – Under the Ribs of Death
Kill Bill: the Rapper – BLUE GENDER
Serengeti – HEY CHAT

See y’all next time!

That's right, the Mikes are finally talking about Bond films! We talk our faves, the regrettables, and why Pereira can't seem to remember anything about the Craig era. 

So hop into our audio Aston Martin and let's take down some super villains!! 

Newsletter: midcreditscene.substack.com/.
Email: midcreditscenepod@gmail.com
Show theme: The Show Must Be Go by Kevin MacLeod
Logo design: Jon Johnson

Hey music fans,

Here’s the track list for the first episode of Audio Salad!

You can listen below via the embedded player near the bottom of this post.

CKMS FM 102.7 11am EST – 12pm EST

Air Date: 6/11/26:

See you next time, Thursdays from 11am EST – 12pm EST!

Audio Salad is an eclectic mix of rock, hip hop, reggae, indie, alternative,  and much more. Each week will be a new journey, with an emphasis on Canadian talent.

Audio Salad is hosted by Canadian recording artist Prolific Tricks aka Jason Patterson and airs on CKMS 102.7 FM Radio Waterloo, Thursdays from 11:00am to 12pm EST & on demand.

My debut album, Down to Earth (2026), and additional tracks  are  available at ProlificTricks.Bandcamp.com & all music platforms.

I can be reached at ProlificTrickery@Gmail.com and would love to hear from you!

Tears On My Pillow – Little Anthony and The Shapiros

Its Not Unusual – Tom Jones

Strangers In The Night – Frank Sinatra

You Light Up My Life – Debbie Boone

Hotel California – The Eagles

Stairway To Heaven – Led Zeppelin

Love Is All Around – The Troggs

Rhinestone Cowboy – Glen Campbell

Northern Lights plays the week’s best new pop, rock, and electronic music from Canadian artists.

♦

Download: Northern Lights – #7 – Jun 10, 2026 (MP3, 80 MB, 58m00s)

Northern Lights airs on CKMS-FM on Wednesdays from 9am to 10am and Fridays from 10pm to 11pm.

Click here to go to the Northern Lights homepage

♦Subscribe to the podcast!

♦

In this episode of Mystic Soundwaves, we cross the Atlantic and dive into the beating heart of New York City’s indie music scene with Sam Sumpter, one of its most dedicated and influential voices.

A DJ, journalist, promoter, manager, author, and founder of Bands Do BK, Sam has devoted his career to documenting, supporting, and connecting artists, venues, and music communities across New York. What began as a Brooklyn-based blog evolved into a book, a radio show, and a newsletter that have become essential resources for anyone interested in the city’s independent music culture.

Throughout the conversation, we explore the evolution of New York’s indie scene, Brooklyn’s continuing role as a creative hub, the cultural importance of independent venues, and the challenges posed by the city’s rising costs. Sam reflects on what makes New York unique for emerging artists and how the local music ecosystem continues to adapt and survive.

We also discuss the vital role of venues such as Arlene’s Grocery and Our Wicked Lady, the question of whether a distinct “New York sound” still exists, and the enduring value of non-commercial radio in an era dominated by streaming platforms. Drawing from his experience managing the Brooklyn punk band Mary Shelley, Sam offers an insider’s perspective on touring across the United States, Canada, and Europe, as well as the current state of punk culture in Brooklyn.

This episode is a conversation about community, cultural resilience, independent spaces, and the people working behind the scenes to keep one of the world’s most influential music scenes alive.

Tune in and discover how New York continues to reinvent itself through independent music.

♦

Playlist from Exploring AI Music_ June 9, 2026

Start Time

Title

My music is also available at golenkazzian.bandcamp.com and can be heard 24/7 at www.youtube.com/@GolenKazzian

Write to me at GolenKazzian@radiowaterloo.ca.

♦Subscribe to the podcast!

Download: radiowaterloo.ca/wp-content/uploads/2026/06/RadioNowhere260608Episode163.mp3, 58m00s, 82.0 MBytes

Subscribe to the podcast!

Towards the end of last year, Australia did something no other country had ever tried: it banned social media for kids under 16. And a bunch of others are following with similar laws, first Denmark, then France, then Indonesia and Austria. All in, there are now more than 25 countries that have either implemented, or are actively considering, social media bans for kids. It seems like Canada is moving there as well. In April, the Liberal party adopted a non-binding motion to restrict young people’s access to both social media and AI chatbots.

All over the world, you can hear parents breathing a sigh of relief. They’ve spent the last decade watching their kids become hooked on their devices, and now we’re doing something about it. It looks like we’re finally going to get our kids back.

But researchers like Candice Odgers are skeptical. Odgers is a psychology professor at UC Irvine who’s been studying the digital lives of young people for almost 20 years now, long before anyone was worried about what social media was doing to their brains. She says there isn’t really any research to suggest these bans will work. But her argument goes even deeper than that: she says the idea that smartphones have caused a youth mental health crisis just isn’t supported by the evidence.

So as governments all over the world start to kick kids off social media, and maybe even AI chatbots as well, Candice Odgers thinks we’re making a serious mistake. And I want to know if she’s right.

• The Anxious Generation, by Jonathan Haidt (Penguin Press, 2024). 
• Australia’s under-16 social media ban — the Online Safety Amendment (Social Media Minimum Age) Act 2024, in effect 10 December 2025 — eSafety Commissioner.
• National Academies of Sciences, Engineering, and Medicine, “Social Media and Adolescent Health” (2024).
• Hunt Allcott et al., “The Effects of School Phone Bans: National Evidence from Lockable Pouches,” NBER (2026) — near-zero effects on test scores, attendance, and bullying.
• The University of Manchester #BeeWell study finding no link between social media/gaming use and later anxiety or depression, Journal of Public Health (2026).
• “The Kids Are All Right,” Scientific American (2026) — young people doing better than prior generations on many metrics.
• The Stanford-led evaluation of Australia’s ban (Stanford Social Media Lab with the eSafety Commission), finding most teens stayed on the platforms — The Conversation.
• The early-1980s Pac-Man moral panic (Surgeon General C. Everett Koop’s 1982 warning; municipal moves to restrict arcades) — Freethink.
• Section 230 of the US Communications Decency Act (47 U.S.C. § 230) — Cornell Legal Information Institute
• Canada’s Gen(Z)AI youth assembly on AI (~100 young Canadians aged 17–23), Centre for Media, Technology and Democracy, findings presented in Ottawa.

Machines Like Us is hosted by Taylor Owen, produced by Paradigms, and distributed by The Globe and Mail.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Kitchener Synth Duo R&D Perform Live! from The Adventurer’s Guild on Ontario St. every second Monday night.

This episode’s music was originally recorded on April 6th, 2026.

IG: @rnd.synth
Bandcamp: rndsynth.bandcamp.com

♦

♦Subscribe to the podcast!

Kitchener Synth Duo R&D Perform Live! from The Adventurer’s Guild on Ontario St. every second Monday night.

IG: @rnd.synth
Bandcamp: rndsynth.bandcamp.com

♦

♦Subscribe to the podcast!

Kitchener Synth Duo R&D Perform Live! from The Adventurer’s Guild on Ontario St. every second Monday night.

This episode’s music was originally recorded on June 1st 2026.

IG: @rnd.synth
Bandcamp: rndsynth.bandcamp.com

♦

♦Subscribe to the podcast!

♦Audio Salad is an eclectic mix of rock, hip hop, reggae, indie, alternative,  and much more. Each week will be a new journey, with an emphasis on Canadian talent.

Audio Salad is hosted by Canadian recording artist Prolific Tricks aka Jason Patterson and airs on CKMS 102.7 FM Radio Waterloo, Thursdays from 11:00am to Noon & on demand.

My debut album, Down to Earth (2026), and additional tracks  are  available at ProlificTricks.Bandcamp.com & all music platforms.

I can be reached at ProlificTrickery@Gmail.com and would love to hear from you!

<!–
♦Subscribe to the podcast!
–>

<!–

See all previous episodes ♦.

–>

Synthetronic 80s plays 1980s synth-pop, dance-pop, hi-NRG, Italo-disco, and up-tempo pop/rock music. A mix of mainstream and lesser-known tracks.

Download: Synthetronic 80s – #27 – Jun 8, 2026 (MP3, 80 MB, 58m00s)

Synthetronic 80s airs on CKMS-FM on Sundays at midnight and Mondays from 9am to 10am.

Click here to go to the Synthetronic 80s homepage

♦Subscribe to the podcast!

What’s up, y’all? First up, as always, here is what I have added to Libretime since last week:

Here is tonight’s Horizon Broadening Hour:

Tracklist:

Belle Chen – Breezy
Ganavya & Jahnavi Harrison – The Bee
Blair/Huber – PRISM BREAK (feat. Noah Furbringer)
Tyler Sabbag – Cuori di Luna
Black Uhuru – Eden Pon Street
Ryan Dsouza – Raggedy Anne
Alan Ward – Chain Swang
Prolific Tricks – Upside Down
Hope Street House – Parallel Gesture
DJ Puce – Higher Self
Chanelle Salinger – January’s Boxes
LOV – Sister Era
David Ward – Summer King
Antonite – One Last Chance
Kpec3 Arrival – Forgiveness, All We Need (Synth Version)
Courtney Wolfe – Shine
Asia James – Lucky
Brian Sumner – Cotton Jenny
Tanjeryne – God’s Problem
Twilark – The Deeper I Fall
Tyler Salsman – The Beginning
Brayden King – We Got Beer
Johnny Beachit – Walmart Parking Lot Tiki Bar
Softcase – If I Can Drive
The Mosfets – Keith is a Blues Artist
Lost Planet Airmen – ‘93
Black and White Rewrite – The Wreckage
MV Wells – A Lovely Sin
B***h Stick – When I Start
The Bruders – Joe Camel
Thomas Duxbury and New Mother Nature – Mr. Oxford
Bye Parula – Orange Blossom (there’s a million reasons)
Checkmate – Black Sunflowers

See y’all next time!

♦

Time

Song/Segment

Artist/creator

Album/Show

00:00

Show Intro

TERRENCE FERGUSON

Manitoba Rockin Revolution

02:00

Opening Song

CAR287

Looking Through The Lens

05:22

Interview -The Soundoff

TERRENCE FERGUSON

Manitoba Rockin Revolution

13:49

Over and Over and Over Again

The Soundoff

Over and Over and Over Again – Single

18:16

Interview -Tyler Del Pino

TERRENCE FERGUSON

Manitoba Rockin Revolution

26:00

In the End

Tyler Del Pino

In the End – Single

29:54

Interview Stephanie Westdal

TERRENCE FERGUSON

Manitoba Rockin Revolution

36:52

Get Up And Dance

Stephanie Westdal

Get Up And Dance – Single

40:09

Interview Irvin Miller

TERRENCE FERGUSON

Manitoba Rockin Revolution

49:41

I’m Drunk Again

Irvin Miller Band

I’m Drunk Again b/w Horsepower – Single

52:51

CAR287 Introduction

TERRENCE FERGUSON

Manitoba Rockin Revolution

53:32

Rescue Me (Save Me Honey)

CAR287

Car287 – Single

57:08

Manitoba Rockin Revolution show outro

TERRENCE FERGUSON

Manitoba Rockin Revolution

♦Subscribe to the podcast! CAR287 / CKMS-FM 102.7 Radio Waterloo CAR287 / CKMS-FM 102.7 Radio Waterloo info@radiowaterloo.ca    

No one enters a relationship expecting to one day untangle joint credit cards, co-signed loans, or shared lines of credit. Yet when a relationship ends, many people discover they're still financially connected long after they've gone their separate ways.

Doug Hoyes and Ted Michalos discuss who is legally responsible for shared debt after a breakup, how separation can affect your credit score, common mistakes that can become costly, and the options available when the debt becomes too much to manage alone. 🔗 Bankruptcy & Insolvency Act, Commonality of Debt, section 66.12 (1.1) 🔗 Directive 2R – Joint Filing 🤝 Hoyes Michalos Guide to Joint Debt 📚 FREE Canadian Credit Repair Course and NEW Budgeting Resources ✅ Licensed Debt Relief in Canada – Debt Help Starts Here 📩Debt Free Digest Monthly E-Newsletter Sign Up Here 🧮 Debt Repayment & Consumer Proposal Calculator 🎥 Hoyes Michalos YouTube Channel – Reliable Canadian Debt Answers by Experts

0:50 Why Breakups Become Financial Crises 3:20 The Biggest Misunderstanding About Joint Debt 6:45 Joint Borrower vs. Authorized User 8:15 What Actually Goes Wrong After a Breakup 12:05 Why People Delay Separating Their Finances 15:10 What To Do Immediately After Separating 19:45 Questions Everyone Should Ask After a Breakup 22:10 How Breakups Can Damage Your Credit Score 25:05 When Debt Becomes Too Much to Handle 26:40 Consumer Proposals and Joint Debt Explained 29:10 Joint Consumer Proposals: Pros and Cons 30:45 Rebuilding Financially After a Breakup

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.

I have a jam packed show! Tune in this Sunday between 4 30 PM To 6 30 PM EST

radiowaterloo.ca/wp-content/uploads/2026/06/David.mp3

We sat down with hip hop artist ILOVEMAKONNEN, discuss the Kitchener Rangers, why the Region is banning right turns at red lights at various intersections, the Toronto Maple Leafs and more!

So sit back and enjoy

Cheers

Welcome to the first show! I’m playing some of my favourite jazz records as of late. This mix features a lot of Hard Bop, raw sounds and fast tempos. Also playing two of my favourites from Sonny Rollins to celebrate his wonderful music.

Stick around for the last few tracks to hear some amazing modern stuff from Toronto: Archie Alleyne and Doug Richardson, BADBADNOTGOOD. Then, a recent Robert Glasper track from 2024 that flows directly from the timeless 60s-era sounds. Hope you enjoy.

Tracks Played:

• Bobby Hutcherson – 8/4 Beat (1968)
• Mankunku Quartet – Bessie’s Blues (1968)
• Oscar Peterson Trio – Days of Wine and Roses (1964)
• Sonny Rollins – Moving Out (RVG Remastered 2009) (1954)
• Sonny Rollins – Striver’s Row (Live At The Village Vanguard/1957) (1958)
• Yusef Lateef – Blue Rocky (1960)
• Cannonball Adderley, Bill Evans – Toy (1961)
• Nancy Wilson, Cannonball Adderley – Save Your Love For Me (1960)
• Archie Alleyne, Doug Richardson – Decisions (Archie Alleyne & Doug Richardson) (2001)
• BADBADNOTGOOD – Fall In Love (2011)
• Robert Glasper – Say Less (2024)

Catch The Tune Up on Fridays at 6pm.