If you're carrying serious debt but also have money in an RRSP, TFSA, or other investments, one of the biggest fears is this: Will I lose everything if I get help?

Doug Hoyes and Ted Michalos, Licensed Insolvency Trustees, break down what actually happens to your investments when debt becomes unmanageable. They explain which assets are protected under Canadian insolvency law, which are at risk, and when cashing out savings can do more long-term harm than good.

CRA TFSA Contribution Calculator

Bankruptcy & Insolvency Act, paragraph 67

Hoyes Michalos Credit Repair Strategies and Rebuilding Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario (00:00) Debt and investments: will savings survive serious debt? (02:10) The fear of "losing everything" when seeking debt help (04:20) Pressure to cash in investments before asking for help (06:30) Using a TFSA to pay debt: when it makes sense (09:10) RRSP withdrawals and the real tax consequences (12:45) Why multiple RRSP withdrawals don't reduce total tax owed (15:30) What happens to RRSPs and pensions in bankruptcy (18:40) Which investments are not protected in insolvency (21:30) Consumer proposals vs. bankruptcy: what you keep (24:30) Can you still invest while repaying debt? 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

What’s up, y’all? Here is tonight’s All Things Considered — the 77th one, the last of this second round of Canadian artists, this one makes the case for Big Moves. A legend in the Halifax hip hop scene, he has spent the better part of 30+ years producing beats that constantly push MCs to explore the dungeons of rap and everything that can come from it. Time for all of us to get familiar.

All tracks are produced by Moves, unless denoted by *

Drunken Arseholes – Cancerous (S**t Blood)
Tachichi – My Employment Application
Horn – Sound the Horn
Governor Bolts – Find
Governor Bolts – Bride of Bolts
Awol One – Thunders Dying
Moves, Kaboom, & CEE!!! – Live Another Day
Hip Club Groove – Bay Oh Fun-Day
Tachichi – Boozehounds, pt. 1
Fatt Matt – Real Nova Scotian
Hip Club Groove – Voices
Tachichi & Buck 65 – Hatin It
Drunken Arseholes, King T, & Tachichi – I’m Blasted
Drunken Arseholes – A Little Trip to the Store
Fatt Matt – Chicken Burgered Up
Fatt Matt – The Villa
Tachichi – Choplifter
Drunken Arseholes – Rural P*mps Theme
Moves, Fatt Matt, & CEE!!! – Tell Me Where Dem H**s*
Drunken Arseholes – Women and Beer
Hed #3 & RC – Puke on a B***h
LXVNDR – Freak Baby L
Hip Club Groove – P**nostar
Drunken Arseholes & Hed #3 – C*m
Drunken Arseholes – ’73 Caprice
Hed #3 & Jay O Smooth – S***ty Car
Tachichi – Boozehounds
Moka Only – Peoples R Crazy
Moves & Buck 65 – Tour De Trance
Moves, Sixtoo, & Cheklove Shakil – Tagged Out
Tachichi, Kunga 219, Knowself, & Buck 65 – Heads Up
Horn & Birdapres – You Ain’t Gotta Trip
Hip Club Groove – Chickens & D***oes (Live Freestyle at Lees Palace, Toronto, 1995)
Tachichi – Nova Scotian 2 the Death (Interlude)
Renegade Synapsis – Watered Down Juice
Moves, Sebutones, & Renegade Synapsis – June ’98
Moves, Tachichi, Knowself, Kunga 219, Al Turdbeast, Buck 65, Kotep Omegatron, Mindbender, Druncnes, & Oracle the Newf – June ’99
Tachichi, Buck 65, Governor Bolts, Birdapres, B-Side, Mindbender, Obie, Gordski, Jay O Smooth, CEE!!!, Fritz the Cat, Kotep, & J-Ras – Spontaneous 2
Cousins of Def & B-Side – No Coast
Drunken Arseholes – Electronic Wiretap
Governor Bolts & Stubrock – We Told You
Moves – The Bill Lynch Midway
Moves, Buck 65, Birdapres, & Hubcity – Remember the Old School
Governor Bolts & Birdapres – Dreams
Fatt Matt, Ghettosocks, Engineer, Cee!!!, Zachariah, D-Vice, & Knowself – Unexpected
Tachichi – The Nice-Up
Moves, Jeff Spec, Stinkin Rich, & Ghettosocks – StankinSpeckledSocks
Hip Club Groove – Trip To Reality
Moves, Kaboom, & CEE!!! – Food
Governor Bolts – Overseeing Eye
Moves, Buck 65, & Lindsay Misiner – Sur Le Flex
Tachichi & Fatt Matt – Dreamscape
Kaboom – People Never Change
Josh Martinez – Raindance
Drunken Arseholes – The Unauthorized Biography of Motown
Drunken Arseholes – In Due Time (Death)
Tachichi – Hate Runs Deep 2015*
Drunken Arseholes – It Won’t Be Long (Death)
Knowself – The Flowers of Zero & Ignorance
Moves – Lonesome Highway Driver
Knowself – Technology (Spiritual Regression)
Governor Bolts – Sherry
Fatt Matt – Feeling Unusual
Knowself – Survival (A Handful of Humanism)
Governor Bolts – Re-Invaticanstated
Hip Club Groove – In My Life
Maxwell – Deny

See y’all next time!

Or download file:

radiowaterloo.ca/wp-content/uploads/2025/12/Classical-Coffee-Break-Ep-38-12.18.25.mp3

Download: radiowaterloo.ca/wp-content/uploads/2024/12/RadioNowhere241214Episode93Christmas1.mp3, 57m5s, 79.0 MBytes

It was an idea that defied logic: an online encyclopedia that anyone could edit.

You didn’t need to have a PhD or even use your real name – you just needed an internet connection. Against all odds, it worked. Today, billions of people use Wikipedia every month, and studies show it’s about as accurate as a traditional encyclopedia.

But how? How did Wikipedia not just turn into yet another online cesspool, filled with falsehoods, partisanship and AI slop? Wikipedia founder Jimmy Wales just wrote a book called The Seven Rules of Trust, where he explains how he was able to build that rarest of things: a trustworthy source of information on the internet. In an era when trust in institutions is collapsing, Wales thinks he’s found a blueprint – not just for the web, but for everything else too.

Mentioned:

The Seven Rules of Trust by Jimmy Wales and Dan Gardner

A False Wikipedia ‘Biography’ by John Seigenthaler (USA Today)

Machines Like Us is produced by Mitchell Stuart. Our theme song is by Chris Kelly. Video editing by Emily Graves. Our executive producer is James Milward. Special thanks to Angela Pacienza and the team at The Globe and Mail.

Photo Illustration: The Globe and Mail/Brendan McDermid/Reuters

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

CKMS News -2025-12-15- Police budget push-back as cops ask for another 20 million a year and a new building.

dan kellar
Kitchener, ON – As the Waterloo regional police ask for another $20,000,000 dollars to be added to their yearly budget, in addition to $173,000,000 for a new “communications centre”, residents and even some regional councillors are questioning the ballooning expenditures. A primary concern is that yearly multi-million dollar increases to the police budgets are starving other services of funding since council is pressured to keep tax increases low.

The Waterloo Region police budget, which was over $230,00,000 in 2025, has increased by more than $100,000,000 since 2014, and has more than doubled since 2013.  This year’s request of over $250,000,000 will represent over 30% of the regional budget.  In comparison, housing and homelessness services are budgeted at $165,200,000 for 2026.

The increase in the police budget will result in an average 6.75% property tax increase for regional residents, that’s another 57$ a month beyond all the previous yearly increases.

The police presented their budget to the Regional Council at the end of November and in a council meeting on December 3rd council heard from the police association and residents.  While the police say more money to the force and more cops “will help save residents” delegates noted that funding upstream services, such as housing options and mental health supports, have more impact on reducing crime than more armed cops with “boots on the ground”.

In a surprise move ahead of the budget vote on December 16th, Kitchener Mayor Berry Vrbanovic put forth a motion to block the police’s capital budget saying the new communications centre is “beyond their mandate” and it “is highly unlikely that all three emergency services would engage in this partnership in any foreseeable future”. However the same motion calls for the approval of the $20,000,000 yearly increase to the police budget.

This show features audio from both the December 3rd and November 26th council meetings.

♦HYOS: Inside Shine – A Sonic Journey is a special interview-style episode dedicated to the creation and evolution of the song Shine. In this episode, songwriter Sara Cicognani sits down with New York–based producer Vanessa Silberman, founder of A Diamond Heart Production and a key figure in the independent music scene with over twenty years of international experience.

Through an open and in-depth conversation, Sara guides Vanessa in sharing the full story behind the track: the initial inspirations, the studio process, the arrangement choices, and the development of Shine’s sonic identity. The interview highlights the blend of different musical influences — world music, synth-pop, and new-age atmospheres — that shaped a sound both grounded and ethereal.

The result is a 30-minute journey into the heart of the song, created for listeners who want to discover what happens behind the scenes of a musical piece: an authentic, technical, yet emotional story, perfect for music lovers, curious minds, and anyone fascinated by the creative process.

HYOS: Inside Shine – A Sonic Journey is a Host Your Own Show special by Sara Cicognani and airs on CKMS-FM on Saturday 20 December 2025 from 9:30am to 10:00am EST (15h30-16h00 CET), and again on Saturday 27 December 2025 from 12:01pm to 12:30pm EST (18h01-18h30 CET).

Duration: 30 minutes
Format: Interview
Host: Sara Cicognani (songwriter)
Guest: Vanessa Silberman (producer – A Diamond Heart Production, NYC)

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

Here is tonight’s Horizon Broadening Hour:

Tracklist:

Dave Lindsay – Moon Climbing
Gao Hong & Royal Philharmonic Orchestra – Reminisces, Pt. 1: Memories of Home [for pipa, bassoon, and orchestra]
Jamie Lidell & Luke Schneider – The Story of Your Life
S-Pazz – Bees Die After Stinging
Alex Bird and the Jazz Mavericks – Christmas in the City
Vocal Quartet Misty – Kolenda
Michael Whalen – Silent Night
Touched Fables – What Could Have Been
The Dream Eaters – Bury Me Under Aisle 3
ARK IDENTITY – Falling Apart
Devah – To Depression
K. Forest – Deja’s View
Charles Webster and the South African Connection – Rain (feat. Bokang Ramatlapeng)
Noelly – Christmas Just Wouldn’t Be Christmas Without You
Carina – Snowball Effect
MAINEND – Coastal Trouble
MEZZIAH & DJ Ritz – I’ll Be Good
Marcelle George – Black Cats
Gwynn Davies – Terminal Velocity on Saturday
Cut Flowers – Until It’s Time
Johnny Beachit – Do You Like, Like Me?
Mike Van Eyes Big Band – Yield Not to Temptation
Jory Nash – Bombs Away
Cat Wells Blues Band – Merry Lil Christmas
Jeffrey Straker – Old Toy Trains
Sean A. Mcnamara – HER
Damndest – Noise Means Nothing
Core blo77er – the second day of the rest of your life
The Naysayers – Everybody Comes Here To Die
The Fake Friends – Sucker Born Every Minute
Discovery Through Torment – First Encounter Assault Regiment
Kasaka – Radio On
Carry the Sky – Sunday Morning

Also, to anyone curious, next week will primarily be dedicated to Christmas music — see y’all next time!

I hope you’re having a great holiday season and we have jam packed show on deck!

New tracks from the Nas And DJ Premier album, old school and new school jams and we discuss what’s trending

Sit back and tune in

Happy Holidays

David Par Radio

Download: Synthetronic 80s – Episode #2 (MP3, 80 MB, 58m00s)

Synthetronic 80s airs on CKMS-FM 102.7 on Saturdays from 8:00pm to 9:00pm.

Click here to go to the Synthetronic 80s homepage

The Big Domino: Most Canadians view their tax refund as a “bonus” found money to fund a vacation. The Wealth Strategist views a refund as a failure of planning. It represents “Artificial Capacity”—capital that should have been compounding in your account all year, but was instead loaned interest-free to the CRA.

In this episode, Sunny Kochar reveals the math behind the Tax-Funded Multiplier. You will learn how to stop being a passive passenger in your financial life and how to legally use the government’s money to expand your wealth foundation.

• [02:00] The Tax Refund Fallacy: Why getting a cheque in April means you gave the government an interest-free loan for 12 months.
• [15:00] The “Factory Rebate” Parable: A masterclass in leverage—how a CEO buys a $1M factory using only $600k of cash.
• [25:00] Violating Universal Law #3: How “Tax Drag” acts as a silent wealth killer in high-net-worth portfolios.
• [30:00] The Gross-Up Strategy (The Math): A step-by-step technical breakdown of how to turn $20,000 of cash into over $35,000 of working assets immediately.
• [42:00] The “Red Zone” Warning: The critical discipline required to ensure leverage creates kinetic wealth, not compound fractures.

Reference the “Factory Rebate Diagram” discussed in this episode.

If you are tired of the “Save and Wait” model and want to see the specific math for your marginal tax rate, download our strategy guide or book a direct consultation.

Ready to execute? Stop guessing and start engineering. Book a Breakthrough Meeting with the Hexavision Team.

Debt collectors are contacting Canadians more than ever. In this episode, Doug Hoyes and Ted Michalos explain why activity is increasing, what collectors are actually looking for, and how to respond without accidentally restarting the clock on old debts. They also cover how to spot scams, understand your rights, and know when it's time to get professional help. Ontario Limitations Act

Collection Agency Rules, Ontario

Search the Ontario government's website to verify that a collection agency is licensed here Hoyes Michalos Credit Repair Strategies and Rebuilding Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario

(00:00) Why debt collectors are busier than ever (02:00) What's driving higher delinquencies in Canada (04:10) When creditors typically begin collection efforts (06:00) What collectors want besides money (08:00) How small payments or acknowledgments reset the 2-year clock (10:00) Why collectors ask for employer and contact information (12:00) Should you answer if you can't pay? (14:00) How to verify a real collector vs. a scam (17:00) Your rights when dealing with collection calls (19:00) When it's time to speak with a Licensed Insolvency Trustee 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 — the last ode of the year, taking us all the way back to the last four months of 2000. Al Gore won Florida, then lost Florida; meanwhile, the PS2 launched in North America. If only we knew how far the empire would fall…

radiowaterloo.ca/wp-content/uploads/2025/12/The-Clean-Up-Hour-Mix-348-December-12-2025.mp3

Tracklist:

Outkast – B.O.B
M.O.P & Funkmaster Flex – Ante Up (Robbin-Hoodz Theory)
M.O.P, Busta Rhymes, Teflon, & Remy Ma – Ante Up (Remix)
Cam’Ron & Ol Dirty Bastard – Violence
Wu-Tang Clan & DJ Kay Slay – Do You Really (Thang, Thang)
Ja Rule – 6 Feet Underground
Scarface & Jay-Z – Get Out
E-40 & Ice Cube – Behind Gates
Jay-Z, Beanie Sigel, & Memphis Bleek – Change the Game
Xzibit & Dr. Dre – U Know
LL Cool J & Ja Rule – Back Where I Belong
Eminem & D12 – Words Are Weapons
Prodigy – Veteran’s Memorial
Nas, Bravehearts, & Millennium Thug – Kids in da P.J.’s
Binary Star – Solar Powered
Cella Dwellas & Inspectah Deck – Verbal Slaughter
Necro – Burn the Groove Down
Saukrates & Redman – W.Y.K.A
Souls of Mischief – 4th Floor Freaks
Phife Dawg – The Club Hoppa
Mystikal – Shake Ya A**
Ludacris & Shawna – What’s Your Fantasy
Ludacris, Shawna, Trina, & Foxy Brown – What’s Your Fantasy (Extended Remix)
Afroman – Crazy Rap (Colt 45)
Afroman – Because I Got High (Extended)
Murs – I Hate Your Boyfriend
Young MC – Ain’t Goin Out Like That (Scratch Mix)
Lil Wayne & Hot Boys – Shine
SPM – Country Life
Everlast – Black Jesus
Guru’s Jazzmatazz & Bilal – Certified
Afu-Ra – Whirlwind Thru Cities
Black Eyed Peas – Bridging the Gaps
The Pharcyde – Trust
Snoop Dogg & Kokane – Stacey Adams
Willie D – Hearse Cadillac
Memphis Bleek – I Get High
Aesop Rock – How to Be a Carpenter
D’Angelo – Feel Like Makin’ Love
Erykah Badu – Time’s a Wastin’
cnn declares Al Gore as winner of Florida
Reflection Eternal – The Blast

See y’all next time!

radiowaterloo.ca/wp-content/uploads/2025/12/Classical-Coffee-Break-Ep-37-12.11.25.mp3

Or download file:    radiowaterloo.ca/wp-content/uploads/2025/12/Classical-Coffee-Break-Ep-37-12.11.25.mp3

In this bonus episode of She Is Your Neighbour, our producer, Lillie, joins us to talk all things She Is Your Neighbour!

In this episode, we reflect on our favourite episodes of the podcast, and discuss the incredible impact these stories have had on us personally. We also talk about the process of creating impactful content, like the podcast and our short documentary and how this has resonated with our community. 

The conversation also touches on the transformative journeys of guests like Colette and Destiny, who have turned their experiences into advocacy. Looking ahead, we share our aspirations for the podcast’s growth and the importance of community support in addressing domestic violence. 

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

radiowaterloo.ca/wp-content/uploads/2025/12/RaulMaloSpecialDec92025.mp3

Download: radiowaterloo.ca/wp-content/uploads/2025/12/RaulMaloSpecialDec92025.mp3, 44m33s, 61.0 MBytes

Raul Malo Tribute. Post only, no on-air broadcast.

We lost another great talent yesterday. And way before his time.

radiowaterloo.ca/wp-content/uploads/2025/12/RadioNowhere251208Episode140.mp3

Download: radiowaterloo.ca/wp-content/uploads/2025/12/RadioNowhere251208Episode140.mp3, 58m00s, 82.0 MBytes

radiowaterloo.ca/wp-content/uploads/2025/12/MusicWithKaraShaw251212.mp3

Joy To the World – George Frederick Handel

O Come All Ye Faithful – John Francis Wade

What Child Is This = Greensleeves

Away In A Manger – Anonymous

Hark The Herald Angels Sing – English Christmas Carol

Angels We Have Heard On High – James Chadwick

Sleigh Ride – Leroy Anderson

Jingle Bell Rock – Joe Beal, Jim Booth

Rudolph The Red Nosed Reindeer – Johnny Marks

The Christmas Song – Mel Torme

Have Yourself A Merry Little Christmas – Ralph Lane, Hugh Martin

CKMS News – 2025-12-07- As homelessness increases, a new overnight warming centre offers more than “heads in beds”

radiowaterloo.ca/wp-content/uploads/2025/12/CKMSNews-2025-12-07-AsHomelessnessIncreasesANewOvernightWarmingCentreOffersMoreThanHeadsInBeds.mp3

dan kellar
Kitchener, ON – A new space for folks to escape from the cold and receive food and social supports has opened in Kitchener as cold winter weather has set early in Waterloo Region.  Thresholds Homes and Supports opened the doors to the new 30 bed overnight warming centre at 298 Lawrence Avenue in November. The new centre will serve any who is 18+ and is inclusive of all gender identities.

In a press release ahead of the opening Jessica Hill, the new warming centre’s team lead is quoted “We are working hard to go beyond giving people a place to warm up, and will have staff on site, including a peer support worker, to connect folks with other supports, and provide a hot meal and snacks to take with them when they leave.”.

The new warming centre comes at a critical time as homelessness continues to plague an increasing number of local residents. The provincial 2024 “Point-in-time” count found that nearly 2,400 people were experiencing homelessness in Waterloo Region, with about 78% of those folks experiencing “chronic homelessness.  At the time only 301 shelter beds were available regionally, and with the new overnight 30 bed warming centre, the number is still well below the required capacity.

This show features an interview with Jessica Hill, the team lead of Thresholds Homes and Supports’ new overnight warming centre in Kitchener.

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:

radiowaterloo.ca/wp-content/uploads/2025/12/The-Horizon-Broadening-Hour-108.mp3

Tracklist:

Travis Jenkins Piano Trio – I Just Wasn’t Made For These Times
Ginman Blachman Dahl – C Jam Blues
Steve Holt – Santa Claus is Coming to Town
Donald Vega – Midnight Clear
Son of Dave – I Like Surprises
Shiny Cote – Memories
Boyboy Militia – I Can’t Stop
Tedy – Boys Boys Boys
Gemini DC – Girls
Alan Ward – Great Time (feat. 4 the Brotherhood)
SH3 – Peace of Me
VISSIA – Snowed In
Ryan Dsouza – My Children Found My Gummies
Blaine Sharp – The First Snowfall
Melanie Peterson – What’s So Funny Bout Peace, Love and Understanding?
Will Lawrence – Dream Of Her Awhile
Dandelion Highway – Either Way (Acoustic)
Irish Millie – Wasted
Kevin Asher and the Barnburners – A Picture Cries A Thousand Words
Shannon Dooks – O Christmas Tree (Here We Are)
Maggie’s Wake – Song for a Winter’s Night
Kathy Stock & Doug White – Hope at Christmas
In Virtue – Gunslingers of the New American West
Jamurai Sack – “I’ve Never Met a Working Title With a Job”
Jenny Palacios – IYKYK
Wasting Time – Ripped Blue Jeans
shy blossom – Stardust
Half Dollar Dog – Small Town Xmas
Martyrs – Snow Came Down
Dan Sindel – Duck the Halls

See y’all next time!

radiowaterloo.ca/wp-content/uploads/2025/12/DavidParRadioPresentsTheAllOutShow1.mp3

Here we go! Christmas is around the corner and we discuss the hottest gifts and spots to hit up! Old school music and new tunes on deck. Plus, we discuss what’s trending.

Happy Holidays Yo

• Notes
• Events
• Podcast
• Index
• Video

♦Boris Emanuel ♦Paul Ming

Bob talks with Boris and Paul of Love Your Neighbour Communities or LYNC. It builds attainable housing for the community, currently in the historic feed mill in Baden. Paul has a historic display in the mill. A LYNC Christmas is an afternoon of music to give back to the community that made this happen. Paul and Boris tell of their backgrounds, and discuss the ways that society has made it difficult for people to get assistance.

The interview starts at 4m17s.

• Website: lyncommunities.com/
• Facebook: Love Your Neighbour Communities – LYNC | Facebook
• Instagram: Love Your Neighbour Communities (@lync_wilmot) | Instagram
• YouTube: Love Your Neighbour Communities (@loveyourneighbourcommuniti2279) | YouTube
• E-mail: info@lyncommunities.com
• Phone: +1‑519‑573‑0060

• A LYNC Christmas ♦ 
  
  • When: Sunday 14 December 2025 from 2:00pm to 4:30pm
  • Where: Steinmann Mennonite Church
  • Location: 1316 Snyder’s Road West, Baden, Ontario Map
  • Website: lyncommunities.com/event/welcome-to-a-lync-christmas/
  • Tickets (free): www.eventbrite.ca/e/a-lync-christmas-tickets-1720500044949
  • Performers:
    • Juneyt
    • Anat Hector
    • Lisa Hagen and the Local Vocals
    • Derek Goupil and the Highview Community Church Band

radiowaterloo.ca/wp-content/uploads/2025/12/ckms-community-connections-2025-12-01-episode234-boris-and-paul-of-love-your-neighbour-communities.mp3

Download: ckms-community-connections-2025-12-01-episode234-boris-and-paul-of-love-your-neighbour-communities.mp3 (53 MB, 57m34s, episode 234)

CKMS Community Connections airs on CKMS-FM 102.7 from 3:00pm to 4:00pm on Mondays and alternate Fridays.

Got music, spoken word, or other interesting stuff? Let us know at ccc@radiowaterloo.ca or leave a comment on our “About” page.

♦Subscribe to the CKMS Community Connections podcast!

♦See all CKMS Community Connections shows!

Video: CKMS Community Connections for Monday 1 December 2025, 354 MB (Radio Waterloo video)

Show notes and podcast interview content is Copyright © 2025 by the participants, and released under a ♦Creative Commons Attribution Only license. Copy, re-use, and derivative works are allowed with attribution to Radio Waterloo and a link to this page. Music selections are copyright by the respective rights holders. The theme music is written and performed by Steven Todd.

radiowaterloo.ca/wp-content/uploads/2025/12/Synthetronic80s_Ep.1_2025-12-06.mp3

Download: Synthetronic 80s – Episode #1 (MP3, 80 MB, 57m56s)

Synthetronic 80s airs on CKMS-FM 102.7 on Saturdays from 8:00pm to 9:00pm.

Click here to go to the Synthetronic 80s homepage

The bank wants you to pay off your mortgage. Please keep it.

The Current State (Static Wealth): You have been taught that being “debt-free” is the ultimate safety. So you pour your liquidity into your home’s equity. That money sits there, trapped in drywall, earning 0% return on investment. It is “Dead Equity.” It has no velocity. When you pay off the bank, they take your capital and lend it to someone else to earn a return. They win. You lose liquidity.

The Future State (Kinetic Wealth): A Wealth Engineer uses a “Readvanceable Mortgage.”

1. Your income hits the account and instantly pays down the debt (eliminating interest drag).
2. Because the credit is readvanceable, that capital is immediately available again.
3. You deploy that liquidity into income-generating assets.

The Gap: The gap is efficiency. In the first scenario, your dollar dies after paying the bill. In the second scenario, the dollar pays the bill AND buys an asset.

Stop admiring your paid-off home while your portfolio starves.

Audit your borrowing power and download the 2025 Wealth Engineering Guide: registration.hexavision.ca/guide-book

Listen to the show below:

Start investing because your numbers say "go," not because the internet says "now." This episode will remove the guesswork from entering the world of investing and provide a straightforward way for you to judge your readiness. Using simple math in layman's terms (think "why paying 20% interest beats chasing a maybe 10% return"), we discuss what to do first, how to keep bills safe from market swings, and when it makes sense to get professional help. (00:00) Welcome Charlie Kovacs from Hoyes Michalos (02:00) Do Canadians need to take big risks to get ahead? Myth vs. Reality (05:00) Pay debt vs. Invest (08:00) Fitness Test: Do you know your ins and outs? (11:00) Using your credit score as a tool, not a toy (13:00) Emergency fund and liquidity (16:30) Defining your "why" goals (20:00) Is saving for a first home realistic? (23:00) Are you knowledgeable enough to invest? Core concepts to know (27:00) Choosing vehicles: TFSA, RRSP, employer match, and more

Should You Use a Bonus to Pay Debt or Invest? Which Debts Should You Pay First? What is the Right of Offset and What Should You Do About It? Credit Repair Strategies and Rebuilding Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario 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 — an ode to the final four months of 2005. The Xbox 360 launched, I briefly understood math, and we got a lot of great music to lead into a strange year.

radiowaterloo.ca/wp-content/uploads/2025/12/The-Clean-Up-Hour-Mix-347-December-5-2025-radio.mp3

Tracklist:

Joe Budden – Are You In That Mood Yet?
Chamillionaire – In the Trunk
Bun B, Lil Keke, Slim Thug, Chamillionaire, Paul Wall, Mike Jones, Aztek, Z-Ro, & Lil Flip – Draped Up (Remix)
Eminem & Nate Dogg – Shake That
Lloyd Banks & Tony Yayo – We Run This
Styles P – Beats To My Rhyme
Big F***in Fonz – Invite to 50 Skit
Sheek Louch – Maybe If I Sing
50 Cent, Lloyd Banks, Prodigy, Young Buck, & Spider Loc – Robbery
Paul Wall & Big Pokey – Sittin Sidewayz
The Game, Techniec, E-40, Crooked I, Chingy, Lil Rob, Paul Wall, WC, & Ice Cube – My Lowrider
50 Cent – Window Shopper
Juelz Santana – Hi, My Name Is
Fort Minor – Remember The Name
Young Jeezy, Boo, & Slick Pulla – Miss Me With That Rap S**t
Lil Wayne – I’m a Ridah
Lil Wayne & Mac Maine – Soul Survivor
Big KRIT – The South
D4L – Laffy Taffy
Three 6 Mafia – Poppin My Collar
Warren G, Mike Jones, & Frank Lee White – In Case Some S**t Go Down
DJ Quik & Nate Dogg – Black Mercedes
Tha Dogg Pound – Hittin Donutz in tha Streetz
Little Brother & Joe Scudda – Lovin It
Blackalicious & George Clinton – Lotus Flower
DANGERDOOM – Space H*’s (Madlib Remix)
Public Enemy – Superman’s Black in the Building
Shad – Real Game
Atmosphere – Smart Went Crazy
Faith Evans, The Notorious BIG, & The Game – 1970 Somethin
Re-Up Gang – Ultimate Flow
Lil Wayne – Hustler Muzik
Fatlip – What’s Up, Fatlip?
first three minutes of G4TV’s XBOX 360 launch special
Little Brother – Cheatin

BONUS
Twista & Mariah Carey – So Lonely
Juelz Santana & Hell Rell – Whatever U Want To Call It
Nipsey Hussle – Rimpau’s Finest
Mase – Kamikaze
DJ Muggs & GZA – Unprotected Pieces
Smif-N-Wessun & Heltah Skeltah – My Timbz Do Work
Canibus – Da Facelift
U-God – You Don’t Wanna Dance
Kool Keith – G-Strings
Lil Kim – Kitty Box
Talib Kweli – Ms. Kim
Fort Minor & Lupe Fiasco – Be Somebody
Spice-1 – Everybody Want To Go To Heaven
Lewis Black – America Loses Its Mind

See y’all next time!

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Angela is an Outreach Support Worker at Women’s Crisis Services and since 2019 she has worked in the Youth Education assignment, teaching young people in the community about safe and healthy relationships. 

In this episode we talk to Angela about the power of prevention work, how we are working with young people in the community to increase education about healthy relationships and how empathy is a superpower. 

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

Watch the full video on Youtube: youtu.be/XDnWkr_ogsk 

Taking you through the static (quite literally) to show you some of my favourite music this year. Mostly songs that have come out this year, but also some older favourites of mine, so sit back and enjoy the sonic journey!

• II. Solar System – The Microphones
• This Is The World (I Made It For You) – Magdalena Bay
• Paint Me A Picture – Magdalena Bay
• La Rumba Del Perdon – Rosalia
• I Appear Missing – Queens of the Stone Age
• Afterlife – Sharon Van Etten
• Out In The World – GUM

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Check out the podcast!

A roundtable discussion follow up on the CHOICE SPF testing scandal - a response to some bad takes I've seen circulating on social media about how the brands involved aren't responsible, and that the responsibility lies entirely with the testing lab that was committing fraud. Unfortunate and unpopular truth: that's not how that works. This discussion featured Dr Rania Ibrahim PhD, coming at it from the clinical testing expert POV, and Avril Love, from the legal and regulatory POV. If you are a brand, this episode is probably an important one for you to tune into to understand what your responsibilities are, and how you can carry them out. For consumers, the takeaways of this convo would be super helpful in learning how to find trustworthy brands. This episode was almost entirely led by audience questions - thank you to everyone who submitted thoughtful prompts and comments!

Interested in supporting the podcast? Please share, subscribe and write a review! If it's accessible, we also have a Patreon which you can find at patreon.com/theecowell

CKMS News -2025-12-02- Kitchener fast tracking new housing through the federal Housing Design Catalogue

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dan kellar
Kitchener, ON – Adding to the tool box to build housing in Kitchener faster, the city has fully endorsed the federal government’s new Housing Design Catalogue, which makes full “off the shelf” building design plans available free of charge.  Further the city has fast tracked parts of the application process to make sure that zoning compliance approval is done within 15 days of application, and building permit review is completed within 10 days.

In a recent press release from the city, Kitchener Mayor Berry Vrbanovic said “Together, with Kitchener’s flexible planning frameworks and resources and Canada’s new guide, we’re making it easier to build more housing across our city.”

The press release also claims that the housing design catalogue “aims to make housing more affordable and accessible, providing pre-designed, adaptable housing plans for homeowners and builders, including backyard homes, fourplexes, stacked townhouses and sixplexes.

You can check out the approved designs on the City of Kitchener’s and the CHMC’s websites.

This show features an interview with Katie Anderl from Kitchener’s housing and policy division and Tim Benedict, the manager of building in the city’s building division.

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