Tax issues are not just about deductions. They come down to timing, habits, and the small decisions that add up over the year. This episode focuses on the practical systems that help you stay organized and avoid costly surprises at filing time.

Learn how to manage CRA accounts, avoid common filing mistakes, and build simple routines that can help prevent tax debt in 2026. Register for a CRA Account

Interest on Overdue Taxes Debt Repayment Calculator Debt Free Digest – a free monthly e-newsletter Hoyes Michalos YouTube Channel – Reliable Canadian Debt Answers by Experts 01:20 Two Things Many People Don't Know 07:05 CRA Time Lag 09:00 Filing Early vs Filing Smart 11:00 Installments: The Quiet Problem 13:00 Multiple Jobs and Side Income 15:00 Direct Deposit is Protection 15:40 Refund Psychology 17:00 If CRA Reassesses You 18:00 If You Owe CRA

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.

Got another eclectic mix of genres for you. Italian prog rock, Mongolian jazz, Japanese synth pop, Malian folk singing, and the usual goods from the Anglosphere. Also talked a bit about a classical performance at Centre in the Square.

Image above is from the new Elvis concert film. I had a good time watching Elvis perform on the big screen in 4K. I’d suggest you do the same, though I think the window has closed on seeing it in theatres.

No recording yet due to further technical issues. Instead, enjoy and seek out the songs listed below.

• Premiata Forneria Marconi — “È festa” (1971)
• Enji — “Tavishral” (2021)
• Sisyphus — “Lion’s Share” (2014)
• Dry Cleaning — “Scratchyard Lanyard” (2021)
• The S.O.S. Band — “Just Be Good to Me” (1983)
• The Postal Service — “Nothing Better” (2003)
• Paris — “Make Way for a Panther” (1992)
• The Stranglers — “5 Minutes” (1978)
• Elvis Presley — “Little Sister” (1961)
• Miharu Koshi — “Parallélisme” (1984)
• Gary Numan — “Films” (1979)
• Stetsasonic — “Pen and Paper” (1988)
• Oumou Sangaré — “Ah Ndiya” (1991)
• Blind Willie Johnson — “I’m Gonna Run to the City of Refuge” (1929)

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

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Todays guests are Elizabeth Zinger and Betty-Jo Almond. On this  St. Patricks Day,  Liz and Betty-Jo tell us there their agricultural story.  Part of that story is shared with their connection by way of   agsights.com  Our playlist:

• I’m Shipping Up To Boston  by  Dropkick Murphy
• I Never Lie  by  Zach Top
• Keep Your Hands To Yourself  by  The Georgia Satellites
• Dirt Cheap  by  Cody Johnson
• Tequila Little Time   by   John Pardi
• Rain Is a Good Thing  by  Luke Bryan

Click here to save the file

(This is episode 314.  I stated during the recording, episode 313.  My mistake)

Whuzzup, y’all? Tonight, we hit the 80th All Things Considered by making the case for Recyclone, aka Jon Hutt. Founder of Ant Recordings, Recyclone is a country boy who hit the big city, saw it for the disaster that it was, and channeled that into years of groundbreaking, spoken-word-industrial-bizarro rap that deserves your attention, especially in light of all of today’s techno-happenings and nightmares.

All tracks are by either Recyclone, or Jon Hutt, unless listed otherwise.

The Kooks – Sweet Dreams of the Golden Hog
Land of the Half Dead
Episodes of Constant Torture
Inside the Industrial Castle
Log Off
Slow Rot
Atari Making Love To A Commodore 64
Back to the Four Track
Sixtoo & Recyclone – Mad Max Songs
Refuge of the Damned
For Dreadful Hope
Human Malfunction
Halifax
Build or Be Built
The Earltown Hermit
Business Man
Contact
Slithis Empire – Four
Water Based
We Don’t Exist
The MOTES – R62
Living Circle
F***ing Animals
Cult of Relics
Oil Burner
Icon Series – Squat Lobster
Earth, Human Lab
Mirroring
Service the Engine
Gearbox Therapy
Body Parts
Digital 6
Complex Research
Isotope Microscope
The MOTES – Road Song
Movin’
The MOTES – Sirrah
The Dreamt
Land Based
Three Knocks
Earbender – Normandy (cdmckill)
Cactus – Out of My League
From the Ashes
Heart on My Fist
Entity
The Blue Ridge Mountain Butchers – Catered Infinity
Split Dimension
Mardel – A Sheen
One Point Oh
Ball of Wire
Renovate Me
Adverse Circumstances
Unnatural Nature
Homo Sapien Debris
Body Machine In Insects Domain (with Viola Baker)
The MOTES – The Last Song
Deep Winter Blood Loss

Starting off with some good old classic 50s pop, and if that’s a bit too saccharine for you we’ve also got a good mix of modern grunge, alternative rock, and even some modern psychedelic fun!

• My Prayer – The Platters
• A Teenager In Love – Dion & The Belmonts
• Silhouettes – The Rays
• Quake – Kingdom of Birds
• I’m Scum – Idles
• object permanence – Sydney Sprague
• As Scared As Can Be – Sydney Sprague
• Cutting Corners – Lunar Vacation
• Born In the A.D’s – Psychedelic Porn Crumpets
• Spine Oil – Samia
• Sweet & Sour – Ian Daniel Kehoe

Check out the podcast!

♦J’aime Afrobeats Music (JAM with Zogho) is a vibrant, culture-rich radio show that blends music, meaning, and movement into one powerful listening experience.

Hosted by MC Zogho, the show is a rhythmic journey through Afrobeats, Afrofusion, Amapiano, Reggae, Makossa, Ndombolo, Zouk, and global Black sounds—woven together with reflections on peace of mind, identity, creativity, and community.

More than just a playlist, JAM with Zogho is a space where:
• Music becomes medicine
• Culture becomes conversation
• Rhythm becomes connection

Listeners can expect uplifting selections, spotlight moments for African and diasporic artists, mindful insights, and occasional live energy that feels like a jam session for the soul.

JAM with Zogho is where sound meets spirit—inviting the Waterloo region and beyond to slow down, feel deeply, and move together in harmony.

J’aime Afrobeats Music (JAM with Zogho) is hosted by MC Zogho and airs on CKMS-FM on Fridays from 10:00am to 11:00am.

Download: radiowaterloo.ca/wp-content/uploads/2026/03/RadioNowhere260316Episode151.mp3, 59m43s, 82.0 MBytes

Is microplastic misinformation harming environmental outcomes and science literacy? This episode features a roundtable in response to the responses the Guardian got for their recent article highlighting the uncertain science of microplastics. Turns out a lot of the headlines that went viral didn't actually represent reality. I was happy to see the Guardian making a correction, but then I saw the responses they got… A lot of people were really convinced the article was brought to you by "big plastics". And when I did my own recap on social media, I was also accused of being funded by the plastic industry. To help cover what unfolded, and what this all means for broader science and environmental outcomes, this convo features Oli Jones PhD from the microplastic research POV, and Rick Stafford PhD from the environmental science and policy POV.

Interested in supporting the podcast? Please share, subscribe and write a review if you haven't already! If it's accessible, you can also support my work on Patreon at www.patreon.com/theecowell. Big thank you to all of my patreon supporters for supporting my scicomm!

Playlist from Exploring AI Music_March 17, 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!

Honky Cat – Elton John

Break Away – Kelly Clarkson

I Can See Clearly Now The Rain Is gone – Johnny Nash

This Diamond Ring – Gary Lewis and the Playboys

You Raise Me Up – Josh Groban

Octapus’s Garden – The Beatles

Blue Velvet – Bobby Vinton

Sitting On The Dock Of The Bay – Otis Redding

The Phantom Of The Opera – Andrew Lloyd Weber

Bridge Over Troubled Waters – Simon and Garfunkel

Rockin’ Robin – Jackson Five

Imagine – John Lennon

Go Rest High On That Mountain – Vince Gill

Last Date – Floyd Cramer

Listen To The Rhythm Of The Falling Rain – The Cascades

Song Sung Blue – Neil Diamond

Misty – Leslie Gore

What’s up, y’all? First up, as always, here are the new submissions I have added to Libretime since last week:

Here is tonight’s Horizon Broadening Hour:

Tracklist:

Jessie Morrison – Signs, Games and Messages for Solo Viola – In Memoriam Blum Tamas
Mark Fenster – Reflections
MF Robots – Glide
The Early – The Laughing Earth
Manu Delago & Max ZT – 40/40
riyuli – I won’t talk back
Grace C. Elliot – Erase It
Mystic Aura – Chocolate Girl
Flo Naegeli – Love By The Hour
Fafiélla – On My Own
Raging Flowers – Back On Track
Serena Rose – Wild One
Stanley Bellwood – I’d Have You In Toronto Anytime
Malia Rogers – Sunlight (A Good Death)
koteBlue – Walk Into the Sea
Kroka – Have You Lost Your Mind?
Minutia – Some Hard Days
Cowdust – Mountain Dew
BETABOYS – Devoid of Reason
ProPain – Weezer Type Beat
Alex Whorms – PARANOID!
Yalana – Good Girl
Maitreya – Utopian Plague
GRAVEMASS – Black Bell
Cell Press – Orphan Crushing Machine
LESS KILLJOY – bite my tongue
Menzies – Mash Potato
Shunk – Party Girl

See y’all next time!

Ecco l’elenco della musica del programma di oggi. Grazie per il vostro ascolto.

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Download: Synthetronic 80s – Episode #15 (MP3, 79 MB, 57m21s)

Synthetronic 80s airs on CKMS-FM 102.7 on Saturdays from 8pm to 9pm.

Click here to go to the Synthetronic 80s homepage

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Many Canadians worry that they started saving for retirement too late. The numbers can feel discouraging, especially if debt, minimum payments, or everyday expenses delay investing for years.

This conversation breaks down the math behind retirement saving and why delay matters more than age. Instead of focusing solely on hitting a "$1 million retirement goal," the discussion shifts to more practical goals: eliminating debt, understanding government benefits like CPP and OAS, and building financial stability over time. Debt Relief For Canadian Seniors – Know Your Options Pre and Post Retirement Debt Repayment Calculator Debt Free Digest – a free monthly e-newsletter Joe Debtor- Hoyes Michalos Annual Consumer Debt Study Hoyes Michalos YouTube Channel – Reliable Canadian Debt Answers by Experts 00:00 Is it ever too late to save for retirement? 02:05 The real problem isn't age 04:40 The math behind starting at 25 vs 45 vs 55 07:20 Why most households can't outrun the numbers 09:30 What the Joe Debtor study reveals about financial delay 12:10 How minimum payments quietly destroy retirement runway 14:20 Should retirement saving happen while carrying debt? 17:00 What happens to retirement plans during a proposal or bankruptcy 20:10 When saving becomes urgent (20s vs 40s vs 50s) 23:00 When retirement saving becomes a lifestyle planning question 26:00 The reality of CPP, OAS and retirement income in Canada

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.

What’s up, y’all? Here is tonight’s Clean Up Hour, which contains a dedication to Lord Sear, and a brief comment about the lawsuit against OpenAI by a Tumbler Ridge family.

Tracklist:

Big K.R.I.T – Old News
Tony Yayo – Mr. 12, 12, 58
LaRussell & Lil Jon – I’m From the Bay
G Perico & Jebba – The Wire
Denzel Curry, TiaCorine, & Smino – Hoopty
Larry June, Curren$y, & The Alchemist – Everything Allocated
3rd Eye Magic – Anarchist
Buck 65 – A Thing Called K.I.M
Buck 65 – ’65 Buick (Remix)
Wyclef Jean, The Rock, & Melky Sedeck – It Doesn’t Matter
Jay-Z – Somewhere In America
3rd Eye Magic – L Word Drive By Music
Bow Wow – The Don, The Dutch
Gorillaz, Proof, & Trueno – The Manifesto
Michael Christmas – Stovetop Interlude
Johnny “J” – I’m A Better Man
Controller 7 – Stay Fly
Wiz Khalifa – Smokin Everywhere We Go
Jezza System – I No Longer See People I Know
Flying Lotus – Big Mama
Viper – Crack Recipe
Nori – Mario Kart
Joji – Cigarette
Home Brew – 80 Down Scenic
Jahmiu – Reason
Rhetoric – Love or Tha Loot
Staik Selektah, Big Twins, Freddie Gibbs, Planet Asia, & Tristate – On The Corner
J. Cole – Maine On Fire
Serengeti – schluss
Asher Roth – Alone
3rd Eye Magic – Meal Ticket
G Perico – Real Magic
Maki Asakawa – Atashi ga Shoufu ni Natta Nara
The Game & Dom Kennedy – It Feels Like Heaven

See y’all next time!

Nicole Brown Faulknor is a registered psychotherapist, trauma consultant, and the founder and CEO of Trauma and Embodiment Association of Ontario otherwise known as TEAO.  

In this episode, Nicole shares her personal journey as a survivor of domestic violence, psychotherapist and community leader. Together, we explore how systemic inequities, intergenerational trauma and somatic healing intersect, and explore pathways to collective and individual healing. 

Join in the conversation! Use the hashtag #SheIsYourNeighbour and connect with us on social media at @SheIsYourNeighbour and @WomensCrisisSWR.

From classic Canadian bangers to modern psychedelia to mournful covers of poppy dance tracks, we’ve got it all here tonight on Through the Static! Changing genres faster than the weather this time of year ♦

• Never Come Down – Brave Shores
• More Like You – Brave Shores
• Bullet Proof – The Goo Goo Dolls
• Ababa hotel – Angine de Poitrine
• Fabienk – Angine de Poitrine
• Living Room – Tegan and Sara
• Dancing On My Own – Xiu Xiu
• DVD Menu – Phoebe Bridgers

Check out the podcast!

Playlist from Exploring AI Music_March 10, 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/2026/03/RadioNowhere260309Episode150.mp3, 59m43s, 82.0 MBytes

This episode is a deep dive into hair research - how it works, where it's done and why, its interdisciplinary nature and how the moving pieces all come together. The first part of the episode focuses on the wider picture, with the second half digging in on the specifics of hair bond related research. Do hair bond repair products work? What is the evidence that supports these products, where are the gaps in our understanding, has marketing moved past the science, and so much more. To help me break things down, this episode features a roundtable with Dr Jennifer Marsh, hair research fellow at P&G beauty, and Dr Ernesta Malinauskyte, hair research director at TRI Princeton. With International Women's Day just behind us, I thought this was a really nice convo to feature since these two women are some of the leading voices in the hair research space. Disclaimer, because I guess it's important due to current talk online about sponsorships biasing information presented: this episode is not sponsored. Featured in this episode are the two people I knew I could trust to do the topic justice.

Interested in supporting the podcast? Please share, subscribe and write a review if you haven't already! If it's accessible, you can also support my work on Patreon at www.patreon.com/theecowell. Big thank you to all of my patreon supporters for supporting my scicomm!

On Feb. 10, 2026, an 18-year-old opened fire at a high school in Tumbler Ridge, B.C., killing eight people before turning a gun on herself. In the weeks that followed, OpenAI admitted that the perpetrator had been discussing the attack with ChatGPT – and that the company had chosen not to alert authorities. But, in the aftermath of one of the deadliest shootings in our country’s history, many Canadians are asking: Why not?

It’s a reasonable question. But the idea that AI companies should automatically report violent conversations to police is more complicated than it sounds.

To try and unpack it, I spoke with Meredith Whittaker, the President of Signal – an encrypted messaging platform that doesn’t collect your data, serve you ads, or track who you’re talking to. Whittaker runs the most private messaging app on the planet, which also means there is almost certainly illegal activity happening on Signal that no one, including her, knows about.

But this conversation isn’t just about Tumbler Ridge. The instinct to trade privacy for “safety” is reshaping the entire tech landscape: Amazon now lets you scan a whole neighbourhood’s worth of Ring camera footage; Australia requires teenagers to verify their ages before accessing social media. These technologies offer real value – but they all ask you to give something up in return. So I wanted to ask Whittaker why that trade might not be worth making.

Editor's note: A previous version of this article reported an incorrect final tally of the injured during the shooting at Tumbler Ridge. Two were critically injured. The podcast audio also includes an incorrect final tally of the injured.

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

What’s up, y’all? As always, first up, here is everything I have added to Libretime since last week:

Here is tonight’s Horizon Broadening Hour:

radiowaterloo.ca/wp-content/uploads/2026/03/The-Horizon-Broadening-Hour-121.mp3

Tracklist:

Those Who Walk Away – The Beginning and the End
Mike Casey – Shift (Live)
Devin Gray feat. Andrea Parkins & Frank Gratkowski – Doom Loops
Modha – The Bee By The Pool (feat. James Chatburn)
Triple Blind – Sketchy Invention
Asher Gamedze – Turnin’
The Setting – Hold On Tight To Your Music
Simar – Let It Happen
Davaun – Labor
FrodoCPU – Over the Horizon
Nicolas McComber – To Follow
Lemonbolt – Optimist
Chic Chameleon – Peppermint Halo
Aqyila – Bloom (D&B Edit)
With Violet – Adam Brings It
Teerath Majumder – Island
The Talbot Trail Boys – Saturday Morning Cartoons
Brian Sumner – money was always an issue
Dave Soroka – Wichita
Kye Alfred Hillig – Divorce Of Course Of Course
Pressgang Mutiny – Haul Away Joe
Marshall Dane – Somebody Somewhere
Johnny Beachit – The Salt Life
Ryan Dart – Wranglers & Rock’n’Roll
Neon Ghosthouse – Night is Half the Day
Lunar Reverb – Fuzz You
tenmonthsummer – tomar hashi, tomar naam
Sean Bienhaus – I Can’t Let Go
Acoustic Joint – Downtown
Half Dollar Dog – Manu Militari (Radio Edit)
Mark of Kaine – Weight of Silence
Dorian Whisper – Blues Skies
Igor Lisul – The Lonely Bench
Blair Sparrow – Big Party Excuse

See y’all next time!

radiowaterloo.ca/wp-content/uploads/2026/03/Synthetronic80s_Ep.14_2026-03-07.mp3

Download: Synthetronic 80s – Episode #14 (MP3, 80 MB, 57m46s)

Synthetronic 80s airs on CKMS-FM 102.7 on Saturdays from 8pm to 9pm.

Click here to go to the Synthetronic 80s homepage

♦Subscribe to the podcast!

Financial advice is everywhere online. Some of it is mathematically correct, but that does not mean it is right for your situation.

Popular tips can sound smart, but if money is already tight, those strategies can sometimes make things worse instead of better.

Hear the full episode to learn about some of the most common financial tips circulating online and why, in the wrong situation, they can quietly push people deeper into debt.

Using Home Equity for Debt – What You Need To Know First Credit Counselling vs Consumer Proposal Reliable Financial Motivation – Our Monthly Newsletter Free Budgeting Planner – For Realistic Tracking Hoyes Michalos YouTube Channel – Free Canadian Debt Answers 00:00 – The problem with financial advice on the internet 02:20 – Why good advice can still be wrong for your situation 04:50 – Bad advice #1: "Just transfer the balance to a 0% card" 08:40 – Why moving debt doesn't actually reduce debt 11:40 – Bad advice #2: "Invest instead of paying down debt" 15:00 – Why guaranteed interest beats theoretical returns 18:00 – Bad advice #3: "Use your HELOC to fix everything" 21:10 – Turning unsecured debt into secured debt 23:40 – Bad advice #4: "Just hustle harder" 26:10 – The three tests for evaluating financial advice 28:40 – Why context matters more than internet tips

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.

Got a quieter show tonight. If you fall asleep to this show, I promise I won’t mind; I’ve fallen asleep to a lot of this music myself. Migraine medicine and music for restless nights—something I’ve needed lately, and I know I’m not alone.

Intimate folk, classical piano, film scores, cool jazz, and more. Also talked a bit about getting into opera, with the help of Matthew Boyden’s Rough Guide to Opera pictured above.

radiowaterloo.ca/wp-content/uploads/2026/03/shuffle_time_episode_4.mp3

• The Books — “The Lemon of Pink” (2003)
• Angelo Badalamenti — “Laurens Walking” (1999)
• Bill Evans — “Alice in Wonderland” (1961)
• Paul Simon — “Rene and Georgette Magritte with Their Dog After the War” (1983)
• David Sylvian — “The Boy with the Gun” (1987)
• Yasunori Mitsuda — “The Wind Calls to Shevat in the Blue Sky” (1998)
• Vashti Bunyan — “If I Were” (2005)
• Henry Purcell [perf. English Chamber Orchestra, Janet Baker; cond. Anthony Lewis] — “But Death, Alas! / When I Am Laid in Earth” (from Dido & Aeneas) (1689)
• Alexander Scriabin [perf. Marc-André Hamelin] — “Andante” (from Piano Sonata No. 2, Op. 19 ‘Sonata-Fantasie’) (1898)
• Penguin Cafe Orchestra — “Silver Star of Bologna” (1993)
• Fripp & Eno — “Evening Star” (1975)