Episode XXV of Reader’s Delight features authors Lindsay Mayhew, Connor LaFortune, Kyle Flemmer, and Vanessa Ricci-Thode.

Lindsay Mayhew and Connor LaFortune join us to discuss the evolution of the anthology they co-edited, A Thousand Tiny Awakenings, and to read their own contributions to the collection.
Social media: @lindsaymayhewpoet
NMKNS.ca
Books: A Thousand Tiny Awakenings

We have a jam packed show full of old school and new school music!

Sit back and turn that ish up!

♦Something Else

Winner of the 2024 Neskie Manuel Award for Aboriginal Affairs and Culture Programming!

Hi, I’m Coulee – welcome to the Something Else universe. In this podcast you will follow three Indigenous protagonists as your tour guides into the triumphs and struggles of contemporary Indigenous peoples. The something else universe was born from a yearning to create the sanctuary my own nervous system needed. It is a space where rage is celebrated, dreams are cultivated, rest is centered, and heroes are born. Just as its name suggests this podcast is unlike any other, it pulls elements and action from our world now and skillfully weaves them anew in this narrated Indigenous futurism landscape. It is my wish that this marks the beginning of a very long, very ancient journey together, listener and storyteller.

In a recent country wide poll on turtle island indigenous peoples were excluded from the stats, making them categorical “something else”. As Indigenous people the popular belief is that we live somewhere between marginalized and extinct. This podcast invites the listener deep into the space between the lines, outside the margins, it embraces… “other”.

The something else universe was created, written, voice acted, soundscaped, produced and edited by me, Kat “Coulee” Ross. Special thanks to the staff and volunteers at CFUV 101.9FM. Original score and music by Reil8 of @the_r.a.p_ Artwork generated by AI programs, Midjourney and DALL-E.

Something Else has only three episodes, hosted by Coulee Ross. The episodes air on CKMS-FM on Wednesdays from 11:00am to Noon on 7 and 21 January, and 4 February 2026.

Featured Image of Coulee Ross from groundedfutures.com/on-belonging-coulee-ross/.

Download: Synthetronic 80s – Episode #4 (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

Debt is at record highs, yet insolvencies are flat. Why? In this episode of Debt Free in 30, Licensed Insolvency Trustees Doug Hoyes and Ted Michalos explain a financial paradox that's leaving millions of Canadians stressed, exhausted, and confused.

The answer isn't that people are okay. It's that people are enduring.

If you're paying your bills but still feel like you're drowning, this episode is for you.

Coming Up Next

Next episode: a special double episode with David Chilton (The Wealthy Barber) — a practical conversation about money, debt, and what Canadians are really facing heading into 2026.

2025 Predictions Show

Office of the Superintendent of Bankruptcy, Insolvency Statistics

Statistics Canada, Household debt levels (including credit cards) Statistics Canada, CPI (Inflation)

Mortgage Rates, Bank of Canada Hoyes Michalos Homeowners Bankruptcy Index

TransUnion, Canadian Consumer Debt Continues to Grow Despite Macroeconomic Relief

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

In This Episode, You'll Learn:

· Why people don't file when debt rises — they file when cash flow breaks

· How inflation pushed credit card balances higher without immediate defaults

· Why paying the minimum isn't a solution — it's a delay

· How balance transfers and mortgage equity are masking financial stress

· Why insolvencies tend to stay flat, then jump

· What would trigger a surge in personal insolvencies

· Our 2026 insolvency predictions for Ontario

· Why relief isn't failure — and how getting advice early preserves options (00:00) You're Not Failing — You're Enduring (02:30) Debt Is Exploding, So Why Aren't Bankruptcies Rising? (05:20) People Don't File When Debt Rises — They File When Cash Flow Breaks (08:10) Why Credit Card Debt Is Rising Without Defaults (11:00) Paying the Minimum Is Buying Time — Not Solving the Problem (14:00) Who's Carrying the Debt Now (And Why That Matters) (17:10) Why Inflation Changed How Insolvencies Work (20:20) The Hidden Delay: Interest Rates Haven't Fully Hit Yet (23:40) Mortgage Equity Is Masking Financial Stress (27:00) Why Insolvencies Don't Rise Gradually — They Snap (30:00) Why Convexity Shows Up Later (32:40) The Paperclip Effect: Endurance vs. Breaking (34:10) What Would Trigger a Surge in Insolvencies? (35:30) Our 2026 Insolvency Predictions (38:00) Relief Isn't Failure — It's a Reset 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? The show still airs on Sunday at 10:00 PM, but due to the weather today, a family event got postponed by a couple of days, right when I would be recording the show, so my schedule’s a bit wonky and I’m putting everything together early. Hey, you benefit by finding out what I’ve added to Libretime this week earlier than usual!

Here is Sunday’s Horizon Broadening Hour:

Tracklist:

Fhae – the egg
Amirtha Kidambi’s Elder Ones – Farmer’s Song
Rick Sparks – A Time To Heal
The Legendary Ten Seconds – Old Torquay Adverts
Dave Soroka – Getting Ready for Winter/Renos Squirrel
Johnny Beachit – Hurricanes and Business Deals
Kim Kondrashoff & Sandra Capadouca – As We Continue (to drive each other insane)
Andrew Kavadas – Red Silk Fan
Loretta Lee – The One Thing That Keeps Me Alive
Reid Jamieson – Canadian Sunset
Starbuck – I’ll Be There To Take You Home
Stink Breath – Best On 70’s
Teethout – Down on Richmond
Les Batards – La Voisine
Two Tonne Machete – Pigs Pigs
Outlying – Streets of Rats and Vultures
Engrupid Pipol – Animal Inteligenz
Liminal Spirit – A Better Place
The Jack Rubies – Are We Being Recorded?
WOLF WHISTLE WOUNDS – The Gaslight District
Royal Commission – Emotional Support Australian
Binoculars – All Things Considered
Me, You, and My Metronome – Cut Back the Sound
Jag One – Two Lightning Strikes
Strawberry Alarm Clock – Live Water

See y’all in the new year!

Two versions for Episode 39, a one-off version with a special piece at the end for Christmas Day, and a version with a different ending for repeats during other times of the year (see further down the page).

Version 1 with Christmas ending:

Version 2 with regular (non-Christmas) ending:

♦

O Come All Ye Faithful – John Francis Wade

Joy To The World – George Frederick Handel

The First Noel – William Sandys

We Three Kings Of Orient Are – John Henry Hopkins

Mary Did You Know – Buddy Greene/Mark Lowrey

Ukranian Bell Carol – Mykola Leontovych

Charlie Brown Theme Song – Vince Guaraldi

Christmas Time Is Here – Vince Guaraldi

O Christmas Tree – Vince Guaraldi

Winter Wonderland – Felix Bernard

Its The Most Wonderful Time Of The Year – George Wyle

Let It Snow – Jule Styne

Its A Marshmallow World – Peter DeRose

What’s up, y’all? Merry Christmas! In keeping with the Christmas spirit, tonight is the the worst of the year. More than two hours of unbridled hating and negativity. Didn’t even throw in a mix of good music. Just a foul note for everyone. See y’all in the new year for the best of.

Listener discretion is even more advised than usual.

Download: radiowaterloo.ca/wp-content/uploads/2024/12/RadioNowhere241221Episode94Christmas2.mp3, 57m46s, 79.0 MBytes

♦Allison Brown’s Fireside Christmas Radio Hour Every year, I go up to my snow-covered cabin in the woods deep in the forest of Northern Ontario to broadcast 90 minutes of a mix of Canadian and International, New, Classic songs beside my crackling fire..

Allison Brown’s Fireside Christmas Radio Hour is hosted by Allison Brown and airs on CKMS-FM on Wednesday 24 Decemeber 2025 from Noon to 2:00 pm and again on Thursday 25 December 2025 from 4:00pm to 6:00pm.

♦HYOS: The Tom X. Chao Show Singer & songwriter Tom X. Chao of New York City presents several of his songs, including some from his new EP, “Music for Downtown Theater,” and his recent EP “Statement of Intent,” and one more. Tom’s songs range from power pop to new wave to somber ballads and even one featuring a string quartet. Please visit tomxchao.com for more information.

HYOS: The Tom X. Chao Show is a Host Your Own Show Special Presentation hosted by Tom X. Chao and airs on CKMS-FM on Friday, 5 December 2025 from 8:30 pm to 9:00 pm.

Now with a repeat presentation at 8:30pm Monday 22 December 2025!

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

Here is tonight’s Horizon Broadening Hour — the “60% Christmas special!” Even if I included the Christmas music I played across the last two weeks, we wouldn’t have had quite enough for a full two hour show, so the first 70 minutes are Christmas, at least, and the rest is new, non-Christmas music.

Tracklist:

Nadia Tagoe – Love Me For Christmas
Angie Faith – The Christmas Song
Margaret Dorn and the Accidentals – Frosty the Snowman
The Gulley Family – I Love Christmas
Michelle Joly – All I Want for Christmas (Dreams Come True) [feat. YNG Bear)
Blue Eye Red – Christmas With You
Dennis Fereby – December’s Ancient Lights
Georgina Taylor – What Child Is This
The Nolas – So Much Fun This Christmas New Year’s Party Rock Anthem
The Big Christmas Crew – But Santa, I Can Explain
Robert Peterson and the Crusade – Joys of Christmastime
Dead Pollys – Xmas Evening
Joseph Schertz – Merry Karma Christmas
Jamie Hoover – Surfin With Santa
Neon Animal – Santa’s Naughty List
Mossy Ledge – Christmas Lights
Johnny Beachit – Santa’s Coming to Key West
The Shamrocks – Christmas in Belfast
Mo Mcmorrow – Christmases With Snow
Jude Columb – Christmas in Cold Spring
Twilight Phenomenon – Lunar Reflections
Igor Lisul – The Valley of Flowers
kpec3 arrival – heaven’s gate
The Whythouse – Whiskey
Rick Maddocks – Don Esteban and His Bastard Daughter
Dual Dialect – Conglomerate III – Meme-Leak Mosaic
Ilhan Ersahin – Asmali
Steve Ross – All I Need is the Girl

See y’all next time, and Merry Christmas, folks!

I have a jam packed show today!

We sat down with Blaine Sharp to discuss his track The First Snowfall, which has reached over 100k streams! We discuss how James Cameron is rejecting the 51st state talk, the holiday season, what’s trending and we play the hottest old school and new school music!

• Notes
• Podcast
• Index
• Video

There was no guest in the studio today, so Bob played some KWCon Christmas music by Waterloo Region musicians. Except for The Small Town Titans, but Bob couldn’t let such a catchy tune escape unplayed.

radiowaterloo.ca/wp-content/uploads/2025/12/ckms-community-connections-2025-12-15-episode236-kwcon-christmas-music.mp3

Download: ckms-community-connections-2025-12-15-episode236-kwcon-christmas-music.mp3 (53 MB, 57m43s, episode 236)

CKMS Community Connections Hour One airs on CKMS-FM 102.7 on Monday from 11:00am to Noon, and Hour Two airs alternate Fridays from 3:00pm to 4:00pm.

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 15 December 2025 (YouTube)

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.

Download: Synthetronic 80s – Episode #3 (MP3, 80 MB, 57m55s)

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

HYOS: Shuffle Time is a show where you get the experience of listening on shuffle without the chaos.

I love listening to my library on shuffle.♦ It gives me the chance to surprise myself with tracks I’d forgotten about, get more familiar with tracks I haven’t heard much, and spontaneously meet my old favourites again. Plus, I still get a kick from the whiplash of jumping from quiet folk to ecstatic dance music to abstract jazz. I won’t subject you to the complete disorder of shuffle, but I can give you a taste (with some of my own chatter on the side!). Expect music from any genre, any time period, anywhere in the world.

HYOS: Shuffle Time is hosted by Aaron Cornies and airs on CKMS-FM on Saturday 10 January 2025 from Midnight to 1:00am.

Most investors are flying with the with the landing gear down. They have “parts”—a mortgage, an RRSP, an insurance policy—but they lack a unified machine. In this episode, Senior Wealth Strategist Kanwaljit (Sunny) Kochar reveals the 100-Year Flight Plan: a comprehensive engineering audit that integrates your debt, cash flow, and tax strategy into a single, aerodynamic system designed to survive the “40-Year Shock” of longevity.

• [03:00] Phase 1: The Takeoff (Kinetic Wealth) – Why paying cash for major expenses is a “Compound Fracture” that kills your momentum, and how to use the “Tax-Funded Multiplier” to reach altitude 3x faster.
• [08:00] Phase 2: Cruising Altitude (The Protection Phase) – Surviving the 40-Year Shock. How to switch from “Dirty Fuel” (RRSPs) to “Clean Fuel” (Resilient Reserves) when market turbulence hits.
• [14:00] Phase 3: The Landing (Decumulation) – The “Zero-Balance Landing” strategy. Why the goal isn’t to die with a full bank account, but to execute a strategic burn that leaves the CRA with nothing.
• [30:00] The Passenger vs. The Pilot – A deep dive into the mindset shift required to move from reactive retail investing to proactive wealth engineering.
• [45:00] The 5 Fs of a Rich Life – How engineering your Finance liberates your time for Faith, Family, Fitness, and Fun.

Reference the “Hexavision Flight Plan Diagram” and the “Kinetic Wealth vs. Dead Equity” chart discussed in this episode.

You cannot fly this plane by guessing. Load your data into our simulator and see your financial future mapped out for the next 40 years.

Ready to execute? Book a Breakthrough Meeting with Sunny Kochar

Disclaimer: This content is for educational purposes only and does not constitute financial, tax, or legal advice. Strategies discussed involve risk and may not be suitable for everyone. Insurance products and Segregated Funds are provided through Carte Risk Management Inc. Consult with a qualified professional before making decisions.

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.

radiowaterloo.ca/wp-content/uploads/2025/12/The-Clean-Up-Hour-Mix-349-December-19-2025-lq.mp3

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!

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

Or download file:

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

radiowaterloo.ca/wp-content/uploads/2024/12/RadioNowhere241214Episode93Christmas1.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.

radiowaterloo.ca/wp-content/uploads/2025/12/CKMSNews-2025-12-15-PoliceBudgetPushBackAsCopsAskForAnother20MillionAYearAndNewBuilding.mp3

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:

radiowaterloo.ca/wp-content/uploads/2025/12/The-Horizon-Broadening-Hour-109.mp3

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

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

Sit back and tune in

Happy Holidays

David Par Radio

radiowaterloo.ca/wp-content/uploads/2025/12/Synthetronic80s_Ep.2_2025-12-13.mp3

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.