Sarah Robertson is a mother, advocate, child welfare worker and survivor of domestic violence.

In this episode we talk to Sarah about the evolution of She Is Your Neighbour, the power of story telling and  how She Is Your Neighbour is making a difference for survivors. 

Sarah was first on She Is Your Neighbour in season 4, understanding femicide. Since then Sarah is back on the Board of Directors at Women’s Crisis Services, is a loud and proud advocate against gender-based violence and is joining us on this special, reflection episode of the podcast.

Follow She Is Your Neighbour on Instagram and TikTok to join in the conversation. 

New Canadian Music
The week’s best new pop, rock, and electronic music from Canadian artists.

♦

Download: Northern Lights – #28 – Nov 3, 2026 (MP3, 80 MB, 58m00s)

Click here to go to the Northern Lights homepage

♦Subscribe to the podcast!

Belatedly posting my spooky Halloween show; amidst your typical graveyard smashes I’ve got music that reflects the decaying world on both a small and large scale. Hip hop, rock, electronica, classical, jazz, and soundtracks to film and games. Featured image from Dario Argento’s 1985 film Phenomena, which I don’t play music from but do talk about a bit (amidst several other horror movies). Stick around to the end of the show to truly settle into the dark of the night.

• The Knife — “Without You My Life Would Be Boring” (2013)
• Three 6 Mafia — “Break da Law ’95” (1995)
• Buck 65 — “463” (2003)
• Goblin — “Profondo rosso” (1975)
• Motoi Sakuraba — “Pinwheel” (2011)
• Tricky — “Mellow” (1998)
• Danny Brown — “When It Rain” (2016)
• Siouxsie and the Banshees — “Scarecrow” (1988)
• The Cramps — “I Was a Teenage Werewolf” (1980)
• Dog Faced Hermans — “Love Split with Blood” (1993)
• Tanya Tagaq — “Uja” (2014)
• Oneohtrix Point Never — “I Bite Through It” (2015)
• György Kurtág (perf. Keller Quartet) — “Con moto” (from String Quartet, Op. 1) (1959)
• John Oswald — “Spring” (1988)
• Liza Lim (perf. Klangforum Wien & Sophie Schafleitner, cond. Peter Rundel) — “Autocorrect” (from Extinction Events and Dawn Chorus) (2018)
• Eric Dolphy — “Eclipse” (1961)
• Dick Hyman & Mary Mayo — “I’m Glad There Is You” (1963)

♦

Download: Synthetronic 80s – #3 – Nov 2, 2026 (MP3, 80 MB, 58m00s)

Click here to go to the Synthetronic 80s homepage

♦Subscribe to the podcast!

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

Here is tonight’s Horizon Broadening Hour:

Tracklist:

Belle Chen – The Platter
Jacques Y Fafard & Lise Charbonneau – Le voyage interieur
Al Tayr Ensemble – Cuando el rey Nimrod
Dolphin Hyperspace – Dolphin Samba (Live)
Dan Rosenboom, Tim Lefebvre, & Caleb Dolister – low.2c
Mike Freedman – Artful Intelligence
Eli Paperboy Reed – One Man’s Trash (Is Another Man’s Treasure) [feat. Swamp Dogg]
Charlie Horn – High Tide Already
The Haymen – The Sad but Irrefutable Story of Robert Emmet
Maggie’s Wake – The Peck and the Pull
Belle Plaine – Old Men Waiting on the Rain
Shane Larmand – A Child is Like a Song
Faultlines – What I Wanted
Graeme Jonez – Hey Coyote!
Code Pie – Sebastian
Lapse – Goodbye, Polar Bear
Alex Little – Conversations In My Head
Nelson Sobral – What Can I Do?
Martyrs – Grey Wolf Grey
Camellia Grove – Sexy Tonight
Good Effort – State of Emergency
Little White Lies – String Me Along
Confetti Noir – losing light
Abîmes Marécageux – Submersion
Octavium – The Trial of Thunder Hill
After Infinity – Eternal Resentment (feat. Nitte Valo)
Sacred Oath – Tea and Witch Cake
Absolute Darkness – Attritional Warfare
Wilder Maker – Smoking the Bunny
Cody Delange – Why Does It Have To Be This Way

See y’all next time!

• • 2Pac
  • E-40
  • J. Cole
  • Yinka Oshodi
  • Sean Paul
  • Snoop Dogg
  • Ice Cube
  • And plenty more heavy hitters…

• • Halloween Hangover: Looking back at the weekend’s tricks, treats, and madness.
  • The Holiday Rush: It is officially November 1st, which means the holiday season countdown starts right now.
  • Avengers: Doomsday: Breaking down the latest rumors, casting news, and what to expect from the MCU’s next massive crossover.
  • What’s Trending: A look at everything dominating your timelines today.
  • The Coffee & Bagel Debate: Unpacking the ultimate morning fuel combo.

ERITREAN COMMUNITY RADIO 01 NOVEMBER 2026  SHOW. ARTICLES ABOUT DAYLIGHT SAVING TIME, INTERNATIONAL STROKE DAY, DESIDERATA ,  THE HISTORY OF PHONE, Q&A,  ONTARIO WEATHER FORECAST.

MUSIC LIST AND START TIME

1.   YEBELU  BY   WEDI TEKUL                                          03:18-07:54
2.   MONIRA BY ASMEROM WELDE GEBRIEL      10:010-13:58
3.  YEFELETEKI DO BY WEDI NAZU                            17:30-21:30
4.  AYDELEN KEZEKERO  BY TEBEREH                     25:36-30:13
5.  SELE FEKRI  BY ELSA KIDANE                                   34:45-39:36
6.     LIBELA LIBEL BY FATIMA IBRAHIM                   39:58-44:38
7.  CHIR SEMIE DEWEL  BY  ABEBA HAILE             46:46-51:0
8.  MELITO  BY YONATAN TADESE/DULA/             55:33-01:00:00

New Electronic Music
The week’s best new electronic dance, pop, trance, house, and melodic techno music.

♦

Download: Electronic Forest – #30 – Nov 1, 2026 (MP3, 80 MB, 58m00s)

Click here to go to the Electronic Forest homepage

♦Subscribe to the podcast!

Should you use your savings or investments to pay off debt? If your savings earn very little while your credit card charges 20% or more, paying down the debt can look like an obvious choice. But the right answer depends on whether using that money actually fixes the problem—and what you might give up by cashing it out.

In this episode of Debt Free in 30, Licensed Insolvency Trustees Doug Hoyes and Ted Michalos walk through a practical four-part test: **Cost, Cushion, Clock, and Comeback**.

They explain:

• Why the first question is whether using your savings will actually solve the debt problem

• How to compare the interest you pay on debt with the return your savings or investments earn

• Which debts may deserve attention first, from payday loans and high-interest credit cards to lower-rate borrowing

• Why cash savings, non-registered investments, a TFSA, and an RRSP can have different tax and opportunity costs

• Why cashing out registered savings may not be the best move if a consumer proposal or bankruptcy could be relevant

• How much emergency cushion you may need—and why access to credit is not always guaranteed

• How to tell the difference between a real deadline, such as legal action or eviction risk, and pressure from a collector

• Why rebuilding savings after paying off debt takes a plan and discipline

• Three example situations involving a TFSA, an RRSP, and money set aside for income tax and HST

• When it may help to speak with a Licensed Insolvency Trustee before making a major financial decision

The key takeaway: don't follow a blanket rule to always use savings or always keep them. Look at the whole situation, including the debt left afterward, taxes, your emergency cushion, timing, and whether you can rebuild the money.

Start here: www.hoyes.com/start-here

Learn more: www.hoyes.com

Doug Hoyes and Ted Michalos are Licensed Insolvency Trustees. This video is general information, not individualized financial, tax, or legal advice. Rules and outcomes depend on your circumstances and jurisdiction. Verify current tax and registered-account rules before acting. #DebtFreeIn30 #DebtRepayment #CreditCardDebt #TFSA #RRSP #ConsumerProposal

Chapters:

00:00 Savings earn little; credit cards charge 20%

00:19 Should you use savings or investments to pay debt?

01:04 The four Cs: cost, cushion, clock, comeback

01:45 Why people hold savings while carrying debt

02:38 Question zero: will using the money solve the problem?

03:03 When using savings still leaves you in trouble

04:12 What can happen to RRSP savings in bankruptcy?

05:32 RRSPs and consumer proposals

06:24 Could savings help fund a proposal instead?

07:06 When paying off a card can make sense

08:01 Cost: compare debt interest with savings returns

09:06 Which debts should you pay first?

11:09 CRA debt, mortgages, and low-interest loans

12:10 The cost of accessing different accounts

13:12 Non-registered investments and TFSA withdrawals

13:55 Why RRSP withdrawals can be costly

15:20 When might an RRSP withdrawal make sense?

17:18 Locked-in funds, retirement, and income-tested benefits

18:16 Cushion: what will you have left for emergencies?

20:46 Rebuild savings as soon as the debt is paid

21:08 Clock: real deadlines versus pressure

22:57 Comeback: can you put the money back?

24:32 Put the four Cs to work on three scenarios

25:21 Why cashing out an RRSP may not solve the problem

26:00 Self-employed savings may include tax and HST money

26:42 Three situations, three different answers

27:16 The practical checklist

28:30 Final advice: get knowledgeable help

Happy Halloween Eve! I tried to find a variety of themed jazz music for the occasion. It’s mostly songs with something in the title, or stuff I associate with spookiness. For example, the eerie outro to Toronto band Badbadnotgood’s “IV”, and the haunting “I Don’t Know” by Badbadnotgood feat. Samuel T. Herring. The Tune Up plays an evolving mix of jazz which blends between classic, experimental and raw sounds. Thanks for listening!

Tracks played:

• Philly Joe Jones Sextet – Blues for Dracula
• Wayne Shorter – Speak No Evil
• Jimmy Smith – Theme From “Bewitched”
• Jackie McLean – Demon’s Dance
• Lee Morgan – Candy
• Johnny Mercer – That Old Black Magic
• Badbadnotgood – IV
• Badbadnotgood, Samuel T. Herring – I Don’t Know
• Yesterday’s New Quintet – Keeper Of My Soul
• Eugene McDaniels – Freedom Death Dance
• Belita Woods – Magic Corner

The Tune Up airs here on CKMS 102.7 Radio Waterloo every Friday from 6-7pm.

Aired on October 30th, 2026

What’s up, y’all? Happy Devil’s Night, Happy Halloween! Ya boy is not able to get into the spirit at all, but I still put together a special mix for y’all to get ready to egg houses to, trick or treat to, etc. (but do not dare trunk or treat to the mix, I’ll haunt your dreams like Freddy).

Mac Miller – Tomorrow Will Never Know
Lil Ugly Mane – WITH IRON & BLEACH & ACCIDENTS
excerpt from SCTV’s “Monster Chiller Horror Theater: Dr. Tongue’s Evil House of Pancakes”
Eminem – 3 AM
Earl Sweatshirt & Vince Staples – e***
Brotha Lynch Hung – Sit In That Corner, B****!
excerpt from SCTV’s “Monster Chiller Horror Theater: Dr. Tongue’s 3D House of Stewardesses”
Night Lovell & Wifisfuneral – I LIKE BLOOD
clippng. & SICKNESS – Body for the Pile
Tyler, the Creator – Transylvania
Eminem – Tonya (Skit)
Eminem – Same Song and Dance
Brotha Lynch Hung & Devious – Look What I Did (Skit)
Brotha Lynch Hung – Look, It’s a Dead Body
D12 – American Psycho
D12 & B-Real – American Psycho II
excerpt from SCTV’s “Monster Chiller Horror Theater: The House of Cats”
Buckwick Bill – Chuckwick
Gravediggaz – Deathtrap
Buck 65 – Evil God
Delusional Thomas – Dr. Thomas
Gravediggaz – 2 Cups of Blood
Childish Gambino – Zombies
excerpt from recent Eric Andre stand up special
excerpt from SCTV’s “Monster Chiller Horror Theater: 3D House of Representatives”
Freestyle Fellowship – When The Sun Took a Day Off and the Earth Stood Still
Geto Boys – Time Taker
excerpt from SCTV’s “Monster Chiller Horror Theater: Whispers of the Wolf”
Mac Miller & Ghosty – Born on Halloween
Lil B – Halloween B****es BASED FREESTYLE
Chick Boyd – ******* **** in the Cemetery
Lil B – Happy Halloween BASED FREESTYLE

See y’all next time!

♦

Kelly Spencer is todays guest in studio. Kelly wears many hats that all fit well with the goals of The Agriculture Show. Check out these links.  thestable.ca/  www.truenaturecommunications.com/  www.regionofwaterloo.ca/culture-and-experiences/arts-and-culture/doors-open-waterloo-region/  What is your agricultural story. What would you tell people about agriculture? Our playlist:

• The Distance  by  Cake
• GGF  by  Rancid
• Me and the Farmer  by  The Housemartins
• Maggie’s Farm  by  The Specials
• Thriller  by  Michael Jackson

Click here to download the episode

♦

The Waterloo Federation of Agriculture AGM 2026-2027 was held at Puddicombe House New Hamburg.  The guest speaker was Hugh Simpson. Hugh’s career was in water management and he had an insiders understanding of water issues in the Region of Waterloo.

Click here to download the episode.

Hey critters and goblins,

Here’s the track list for the 21st episode of Audio Salad:
THE HALLOWEEN SPECIAL!

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

Scroll down even further for an extended set and more treats… if you dare!!!

CKMS 102.7 FM, 11am EST – 12pm EST

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

♦

Audio Salad replays and/or Audio Salad After Dark can now also be heard Wednesdays 1am-2am EST

This week I’ve also posted an extended set for the Halloween Special & the set list below:

♦

STREAM EXTENDED SET ABOVE ^

You can also hear me recite Edgar Allan Poe’s “The Raven”  below:

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 or on Instagram @ProlificTrickery @AudioSaladCKMS and would love to hear from you!

Replays of Audio Salad can now also be heard Wednesday nights, 1am-2am EST.

♦Bob Jonkman Bob Jonkman reads the results of the 2026 municipal election, held Monday 26 October 2026, from the websites of the municipalities in Waterloo Region. Note that all these results are unofficial, pending verification of the results by the municipal clerk in each jurisdiction. More information on after-election procedures is at Ontario Guide to Municipal Council and School Board Elections.

See all episodes of Meet The Candidate — 2026 Municipal Election. ♦

radiowaterloo.ca/wp-content/uploads/2026/10/meet-the-candidate-2026-10-27-E41-2026-municipal-election-results.mp3

Download: 2026 Municipal Election Results (Podcast) (29 , 31m36s)

Subscribe to the podcast!♦

Sorry, there is no video for this episode.

The views expressed in this program are not necessarily those of the Radio Waterloo Board of Directors, volunteers, sponsors, or advertisers.

All Regional Council candidates, including Mayoralty candidates in Waterloo Region were invited by e-mail, the candidate’s online contact form, or on social media. Some have declined to participate, others have not responded.

The interview, the podcast, and the show notes are Copyright © 2026 by Radio Waterloo Inc. and released under a ♦Creative Commons Attribution 4.0 International License. You are free to use this material, as long as you credit Radio Waterloo and provide a link back to this page.

The theme music used in Meet The Candidate is Falling Sky by Jason Shaw of AudionautiX.com and used under a ♦Creative Commons Attribution 4.0 International License.

Is hair care really the cause of hair loss that a lot of people attribute it to be? How does this vary, and how do hair care brands navigate this so that this isn't a problem? To help us navigate the topic, this week's episode features cosmetic chemist and hair care product developer, Dr Cicely Shillingford PhD. We get into the science, what's behind hair loss and how hair care may or may not be involved with that, the class action lawsuits we've seen over the years, and more.

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!

♦Rights Back At You is the Amnesty International Canada podcast that examines anti-Black racism, policing, and surveillance. They delve into stories of resistance and meet the people making change unstoppable. From facial recognition and the right to protest to the war on drugs and defunding the police, this series connects the dots and passes the mic to people building a better future now. They unravel the Canada you think you know and challenge the systems that hold back human rights.

♦Daniella BarretoDaniella Barreto is the host and producer of Rights Back at You and the former Amnesty International Canada Digital Activism Coordinator. She was an organizer with Black Lives Matter Vancouver when the group discovered they were under police surveillance. She has a background in epidemiology and public health and is concerned with the intersections of racism, health, and policing. She co-produced RUDE the Podcast and was runner-up in the 2019 Hot Docs Podcast Festival Pitch Competition. Daniella is an immigrant from Zimbabwe to unceded Musqueam, Squamish, and Tsleil-Waututh territories (aka Vancouver, BC).

Rights Back At You is syndicated from Amnesty International Canada. The five episodes air on CKMS-FM alternate Fridays at 3:00pm from 6 November 2026 to 1 January 2027.

Download: radiowaterloo.ca/wp-content/uploads/2026/10/RadioNowhere261026Episode182.mp3, 58m00s, 82.0 MBytes

Subscribe to the podcast! 

♦Martin de Groot ♦Bob Jonkman 2026 Municipal Election Campaign Analysis with Bob Jonkman and Marinus de Groot discussing the 2026 municipal election candidates, campaigns, and democracy in general.

Coming soon!

See all episodes of Meet The Candidate — 2026 Municipal Election. ♦

radiowaterloo.ca/wp-content/uploads/2026/10/meet-the-candidate-2026-10-26-E40-2026-municipal-election-campaign-analysis.mp3

Download: 2026 Municipal Election Campaign Analysis with Bob Jonkman and Marinus de Groot (Podcast) (53 MB, 58m10s)

Subscribe to the podcast!♦

Video: 2026 Municipal Election Campaign Analysis with Bob Jonkman and Marinus de Groot (Video), 206 MB

The views expressed in this program are not necessarily those of the Radio Waterloo Board of Directors, volunteers, sponsors, or advertisers.

All Regional Council candidates, including Mayoralty candidates in Waterloo Region were invited by e-mail, the candidate’s online contact form, or on social media. Some have declined to participate, others have not responded.

The interview, the podcast, and the show notes are Copyright © 2026 by Radio Waterloo Inc. and released under a ♦Creative Commons Attribution 4.0 International License. You are free to use this material, as long as you credit “Radio Waterloo” with a link back to this page.

The theme music used in Meet The Candidate is Falling Sky by Jason Shaw of AudionautiX.com and used under a ♦Creative Commons Attribution 4.0 International License.

Playlist from Exploring AI Music_October 27, 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!

00:00 Podcast Introductions
00:44 Trip To Longhorn PHP
01:04 Learned Liked Lacked Segment
01:56 DuckDB Discovery
04:48 AI Agent Memory Tools
07:30 Claude Code PR Workflow
09:50 Whimsy Side Projects
13:24 Community Events Rundown
16:13 Longhorn PHP Overview
17:26 First Time In Austin
19:16 Texas Capitol And Tex Mex
22:56 Cybercab Ride Story
29:15 Comedy Night In Austin
29:38 Tutorial Day Begins
30:11 Docs Plus Testing Tutorial
31:00 Tutorial Format Explained
31:47 AI Powered PHP Workflow
34:00 Frameworks Across PHP Tech
35:37 Rust PHP Extensions
39:45 Austin PHP Lightning Talks
45:28 PHP Foundation Update
46:27 JSON Table And Threads
50:43 Onboarding Staff Engineer
52:46 NGINX Talk Reflections
57:49 Tetris In PHP Talk
59:25 PHPUnit Beyond Assertions
01:03:27 Ethics Closing Keynote
01:05:43 Austin Nightlife 13th Floor
01:08:02 Conference Takeaways And Wrap

New Canadian Music
The week’s best new pop, rock, and electronic music from Canadian artists.

♦

Download: Northern Lights – #27 – Oct 27, 2026 (MP3, 80 MB, 58m00s)

Click here to go to the Northern Lights homepage

♦Subscribe to the podcast!

Monster Mash – Bobby Boris and the Pickets

Danse McCabre – Camille Saint-Saens

Come Little Children – James Horner

Adams Family Theme Song – Vic Mizzy

The Phantom Of The Opera Theme Song – Andrew Lloyd Weber

Thriller – Michael Jackson

Superstition – Stevie Wonder

Hall Of The Mountain King – Edvard Greig

Ghost Busters Theme Song – Ray Parker Jr.

I Put A Spell On You – Jay Hawkins

Episode XXXV of Reader’s Delight features Andre Narbonne, Matt Joudrey, and Christopher Butt, as well as What’s In A Name with Meghan from River Bookshop in Amherstburg, Ontario,

Andre Narbonne joins me to talk about his most recent work, the postmodernist historical fiction novel, Those Are Pearls (2026, Palimpsest Press), the importance of love in its many forms as a theme, the use of multiple perspectives in the novel, and then reads an excerpt from the book.
Social Media:
Book: Those Are Pearls
Review: The Andre Narbonne Interview, The Seaboard Review

Matt Joudrey and I talk about his work, including his new book Marmalade Parade (2026, Guernica Editions), and we discuss experimental writing, particularly in dialogue, as well as memory as our most important but most unreliable faculty, then Matt shares an excerpt from the novel.
Social Media:
Book: Marmalade Parade
Media: CTV News

Christopher Butt appears on the show to talk about his short fiction collections, In The Lair of the Kraken (2023, DarkWinter Press) and The Wreckhouse (2026, DarkWinter Press), the influence of East Coast cultural mythology on his writing, and then reads “The Modern Prometheus” from his first collection.
Social Media:
Books: In the Lair of the Kraken, The Wreckhouse
Facebook: Chris Butt
Instagram: @chrisbutt77

Meghan from River Bookshop in Amherstburg, Ontario swings by to tell us about River Bookshop, and the origin of the store’s name.

♦

Welcome to a five-episode special series built around the first Annual Review of Psychology chapter on wisdom since 2011.

Episode 5: Wisdom Frontiers (with Dilip Jeste, Barry Schwartz, and Justin Brienza)

Can wisdom live beyond the individual, in the organizations we build, and the technologies we create? In the final episode of our special series, Dilip Jeste, Barry Schwartz, and Justin Brienza join Igor and Charles to explore the frontiers of wisdom research, from neuroscience to the design of wiser institutions. Dilip takes us inside the brain systems involved in empathy, emotion regulation, and perspective-taking, while explaining why measuring wisdom remains such a challenge. Barry turns to the organizations we spend our lives in, revealing how even well-intentioned people can make poor judgments when the culture around them gets in the way, and why better decisions depend on creating environments where people can learn from their mistakes. Justin asks how we might build wisdom into institutions themselves, from red-teaming and premortems to incentives that encourage dissent, stewardship, and collective responsibility. The series arrives at one final question: if we can build machines that are increasingly intelligent, what would it mean to make them wise?

Special Guests: Barry Schwartz, Dilip Jeste, and Justin Brienza.

Links:

• Barry Schwartz: Our loss of wisdom | TED Talk
• Wisdom in action: A call to bridge fields in psychology (and beyond) to solve complex world problems | American Psychologist. Advance online publication - Glück, J., & Brienza, J. P. (2025)
• Transforming artificial intelligence into artificial wisdom | Nat. Mental Health 4, 886–897 - Jeste, D.V., Paulus, M.P., Alexopoulos, G.S. et al. (2026)
• Imagining and building wise machines: The centrality of AI metacognition | Trends in Cognitive Sciences - Johnson, S. G., Karimi, A. H., Bengio, Y., Chater, N., Gerstenberg, T., Larson, K., ... & Grossmann, I. (2026)

Born Again Horse Mom @bornagainhorsemom: Alix Lynch & her horse Sable have an amazing story to tell. Thank you algorithm for leading my ways to them! Alix has discovered that horses are psychic, but the story begins with Alix volunteering at a horse rescue and becoming an advocate for Sable.  Alix’ website:   “Growth Perspective Coaching & Consulting” relays a new perspective that help us understand Alix’ unique way of approach. Literally amazing interview.  Refreshing way of respecting these sentient beings. Thank you Alix and Sable!

♦

♦

Download: Synthetronic 80s – #24 – May 18, 2026 (MP3, 80 MB, 58m00s)

Click here to go to the Synthetronic 80s homepage

♦Subscribe to the podcast!

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

Here is tonight’s Horizon Broadening Hour:

Tracklist:

Jacob Do – That’s Earl, Brother
Astral Riddims – Like Charles
Jeremy Green – The 55
Sarah Tandy – Hyperjazz
Stephen Rush & Rafael Toral – Watering Plants from Other Planets
NOTTORO – The Night Has a Name
OTHEOSE – Branches
Satoshi Kanno – Shape of Ghost
Sirintip – Lotus
Me:she – Old Red
Sha ked – WITHOUT
Ché Aimee Dorval – Carnal Needs
Elné Reel – TOO EXPENSIVE, CAN’T BUY ME
William Kuklis – Emily Anne
Brian Sumner – The New Game
Hayden Ryann – Cowboy’s Dream
Shelley Hamilton – Connected
Daz Lynch – The Preacher
Unnamed Feeling – burdock
Combine the Victorious – Lucky
The New Hires – Hold the Applause
Paul Farran – Eclipsed
Killed By Sorrow – Empire of Excess
GASSED – RECLAIMED
Shiv and the Carvers – Snakes in the Woods
Turbo – S**t Island
Durty Blonde – TaKe a Train
Upwood Avenue – What’s Wrong With You?
Chase the Bear – This Is What You Wanted

See y’all next time!

Today on The All Out Show, we are turning up for the season! ♦

ERITREAN COMMUNITY RADIO 25 OCTOBER 2026  SHOW. ARTICLES ABOUT ONTARIO ELECTIONS, WORLD PASTA DAY , AUDIENCE MESSAGES,  Q&A,  ONTARIO WEATHER FORECAST.

MUSIC LIST AND START TIME

1.   HIWENET  BY  SAMI BERHANE                                05:02-08:46
2.   ASSEY BY MUSSIE ZEKARIAS                                    12:07-17:00
3. FIQRI ZEHLEFKUM BY SOLOMIE MAHARAY  18:42-24:07
4.  HATITOMINI  BY ABEBA HAILE                                25:51-30:14
5.  KEREN  BY TEMANO TESFAAB                                 32:17-37:22
6.  KELETE VILA   FIGRA GAEDA                                     38:48-43:14
7.  ZENEBESH  BY  ATEWBERHAN SEGID                44:51-49:58
8. EMBEBA ADEY  BY BEREKET MENGSTEAB     53:38-01:00:00

New Electronic Music
The week’s best new electronic dance, pop, trance, house, and melodic techno music.

♦

Download: Electronic Forest – #29 – Oct 25, 2026 (MP3, 80 MB, 58m00s)

Click here to go to the Electronic Forest homepage

♦Subscribe to the podcast!

Eren Yoruk

Kitchener, ON – In Kitchener, only about one in five eligible voters cast a ballot in the 2022 municipal election. With Election Day approaching on October 26, the city is introducing new ways to encourage more residents to vote.

A total of 8,208 people voted during the advance voting period between October 8 and 20, an increase of 42 per cent compared with the previous municipal election.

Amanda Fusco, Kitchener’s director of legislated services, said voter turnout depends on several factors, including voter fatigue, campaign activity and public awareness of municipal government.

“Voter turnout is so complex,” Fusco said.

This year, the city introduced new voting options, including home voting visits, advance voting at retirement homes and long-term care facilities, drive-thru voting and “shop and vote” locations at Fairview Park Mall and Kitchener Market.

Fusco said drive-thru voting attracted just over 1,000 voters over two days, while around 1,000 people voted at Fairview Park Mall. Another 250 cast ballots at Kitchener Market.

Feedback on drive-thru voting was positive, with residents citing convenience and accessibility. However, the city has no specific voter turnout target for 2026, beyond hoping to improve on the previous election.

Fusco said municipal decisions directly affect residents’ neighbourhoods, parks, roads and libraries.

“We want everyone to make their mark,” she said.

Eligible Kitchener residents can vote on October 26 at any of the 33 voting locations within their ward. Voters must bring identification showing their name and current address.

For more details about voting in Kitchener, visit City of Kitchener website.

♦Nikki Rollick

Nikki Rollick, Kitchener Candidate for Ward 7, spoke with Bob Jonkman on Friday 23 October 2026 about the issues for the 2026 municipal election.

• Website: votenikkirollick.ca
• Email: votenikkirollick@gmail.com
• Instagram: www.instagram.com/votenikkirollick/

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Download: Nikki Rollick, Kitchener Candidate for Ward 7 (Podcast) (23 MB, 25m00s)

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The views expressed in this program are not necessarily those of the Radio Waterloo Board of Directors, volunteers, sponsors, or advertisers.

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Miss a payment and three separate clocks start running, and they don't all start on the same day. The lender's clock, late fees and interest start the day after the due date. The credit bureau's clock doesn't start until you're 30 days behind. The collection and legal clock is slower, but it does the real damage.

And the type of payment matters. A rent, mortgage or car payment can carry different consequences from a credit card bill.

Doug Hoyes and Ted Michalos walk through what actually happens when you miss a payment. They discuss what can happen around 30, 60 and 90 days, why a debt write-off doesn't mean you no longer owe the money, and how to decide which bills need attention first.

You'll also learn when to contact your lender, what to ask for, and how to recognize when missed payments have become a recurring problem. Timing depends on your agreement and circumstances; the legal examples in this episode focus on Ontario.

Related material

Guide to Ontario Debt Collection Laws

Wage Garnishment: Know Your Rights

What to do About Credit Card Debt in Collections

Ontario Limitations Act and Old Debts

Mortgage Arrears

Debt Repayment Calculator

Debt Free in 30 is hosted by Licensed Insolvency Trustees Doug Hoyes and Ted Michalos of Hoyes Michalos.

Learn more at www.hoyes.com

Time Stamps

00:00 What happens when you miss a payment?

00:34 The three clocks: lender, credit report and legal action

02:32 Days 1–29: fees, interest and lender reminders

03:38 How penalty interest rates can work

05:57 What to do if you are only a few days late

06:47 NSF fees and returned-payment charges

07:08 Around day 30: credit reporting and payment history

09:08 Why the type of debt matters

09:46 Around day 60: another missed payment

11:33 Day 90 and beyond: collections

12:18 Why a write-off does not erase your debt

13:13 Collection agencies versus debt buyers

14:31 Negotiating a settlement

15:23 Rent arrears and the Ontario N4 notice

16:32 Mortgage arrears and power of sale

18:53 Car payments, repossession and a remaining shortfall

20:50 Which bills should you prioritize?

22:32 The legal clock and limitation periods

22:52 Ontario Small Claims Court

24:34 Responding to a claim and enforcement

26:19 What to do at each stage

27:45 When missed payments become a bigger debt problem

29:26 Tools to help you assess your debt

#MissedPayment #DebtCollection #CreditReport #DebtFreeIn30