Whether travelling for business or pleasure, being on the road can interfere with your fitness if you don't plan for it.

Want more on getting fit? Go to Livewildradio.com and download our free e-book about using exercise to Turn Back The Clock of Aging or reach out! 

This episode features Erica Douglas, otherwise known as @sisterscientist, cofounder of the contract manufacturing business mSEED, in a deep dive on contract manufacturing. We covered the contract manufacturing landscape - who works with them and why? what’s up with minimum quantity orders? What do brands need to know to successfully work with a CM? And lots more!

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

Margrethe Vestager has spent the past decade standing up to Silicon Valley. As the EU’s Competition Commissioner, she’s waged landmark legal battles against tech giants like Meta, Microsoft and Amazon. Her two latest wins will cost Apple and Google billions of dollars.

With her decade-long tenure as one of the world’s most powerful anti-trust watchdogs coming to an end, Vestager has turned her attention to AI. She spearheaded the EU’s AI Act, which will be the first and, so far, most ambitious piece of AI legislation in the world.

But the clock is ticking – both on her term and on the global race to govern AI, which Vestager says we have “very little time” to get right.

Mentioned:

The EU Artificial Intelligence Act

“Dutch scandal serves as a warning for Europe over risks of using algorithms,” by Melissa Heikkilä

“Belgian man dies by suicide following exchanges with chatbot” by Lauren Walker

The Digital Services Act

The Digital Markets Act

General Data Protection Regulation (GDPR)

“The future of European competitiveness” by Mario Draghi

“Governing AI for Humanity: Final Report” by the United Nations Secretary-General’s High-level Advisory Body

The Artificial Intelligence and Data Act (AIDA)

Further Reading:

“Apple, Google must pay billions in back taxes and fines, E.U. court rules” by Ellen Francis and Cat Zakrzewski

“OpenAI Lobbied the E.U. to Water Down AI Regulation” by Billy Perrigo

“The total eclipse of Margrethe Vestager” by Samuel Stolton

“Digital Empires: The Global Battle to Regulate Technology” by Anu Bradford

“The Brussels Effect: How the European Union Rules the World” by Anu Bradford

You gotta work pretty hard to find a movie that Clark hasn't heard of, but Joel Rubinoff pulls it off with an absolutely fascinating pick for a film he inherited from the past! Plus, he continues messing with time, when it comes to what he wants to leave for the future! 

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

If you’re a homeowner in Canada, you can’t miss this episode! Canadian homeowners are increasingly facing the tough reality of missed payments and rising financial pressures. 

Licensed Insolvency Trustee Scott Terrio joins Debt Free in 30 to unpack the potential warning signs of mortgage trouble, troubleshoot possible solutions, and provides guidance on how to handle worst-case scenarios.

Timestamps:

(1:25) – Canada is at the beginning of a mortgage crisis

(3:50) – Early warning signs of potential mortgage struggles

(8:30) – What to do if you think you might miss a payment

(11:00) – Mortgage deferral programs: How they work

(12:40) – Refinancing or modification of your mortgage

(15:00) – HELOCs (Home Equity Line of Credit)

(17:15) – Selling your house: An extreme or smart option?

(23:15) – If you miss one payment what exactly happens?

(25:45) – Consequences of missing multiple payments

(27:45) – Worst-case scenario: How it unfolds

(28:55) – Can you buy a home again if you lose your current one?

(32:30) – Why an insolvency proceeding might be a good idea

We release new content every weekday! Follow our socials for funny podcast clips, money management tips, Q+A, and more! Hoyes Michalos Instagram Hoyes Michalos Facebook Hoyes Michalos TikTok Hoyes Michalos Twitter (X) Hoyes Michalos LinkedIn Sign Up for Our Newsletter HERE

Credit Rebuilding Course

What Happens If You Miss a Mortgage Payment? Find a Hoyes Michalos Office in Your Area Here

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 personalized advice from a qualified financial advisor. Always consult with 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 or strategies discussed.

Christina Silva and Christy Phillips work at Women’s Crisis Services of Waterloo Region. Christina is the Outreach Supervisor and Christy is a Child and Youth Worker.

In this episode of She Is Your Neighbour we talked to Christina and Christy about the various ways that domestic violence impacts children and the importance of safety planning. We also talk about financial abuse and about how it can impact the entire family.  

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

Women’s Crisis Services provides Safe Shelter, Outreach Support, Prevention and Education to women and children in Waterloo Region experiencing domestic violence.  

This week's episode goes on a deep dive into corporate sustainability - specifically, why isn’t it working? Over the last few decades, we’ve seen lots of new reporting requirements for companies. On the flip side, during that same time frame where sustainability has become fashionable, things have gotten, for the most part, worse. This episode features Dr. Mark Trexler from Climatographers on where have we gone wrong? And what can we do about it? 

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

A great little bonus episode with Veteran culture journalist Joel Rubinoff who couldn't resist the temptation to choose not just one, but three possible double features. It's like we got stuck in a time loop! (which might just be a theme here folks). 

And P.S. Joel is hosting a mini-film festival at the Princess Cinemas with five absolute classics! Details, showtimes and tickets can be found on the Princess Cinemas website at: princesscinemas.com/simplenews/joel-rubinoff-the-rock-n-roll-years. Don't miss it! 

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

Can our political identities get in the way of wise action, even on existential issues like climate change? Leaf Van Boven and David Sherman join Igor and Charles to unpack how we perceive environmental policy through the lenses of group identity and social norms, revealing how misperceptions fuel inaction. Igor considers how group beliefs can override personal values, Leaf explores the power of asking, “What if I’m wrong?”, David suggests we may be following louder voices over wiser ones, and Charles wonders if we’re wired to stick to our “tribe” or if we can really think beyond our social bubbles. Welcome to Episode 61.

Special Guests: David Sherman and Leaf Van Boven.

Links:

• Leaf Van Boven | University of Colorado Boulder
• Environment, Decision, Judgment, and Identity Lab (EDJI) | University of Colorado Boulder
• David Sherman | UC Santa Barbara
• Sherman Lab | UC Santa Barbara
• Social Science Climate Lab
• The connections—and misconnections—between the public and politicians over climate policy: A social psychological perspective - Sherman, Van Boven (2024)
• Social norms explain prioritization of climate policy - Cole, Ehret, Sherman, Van Boven (2022)
• Politicians polarize and experts depolarize public support for COVID-19 management policies across countries - Flores, A., Cole J. C., Dickert S., Eom K., Jiga-Boy G. M., Kogut T., Loria R., Mayorga M., Pedersen E. J., Pereira B., Rubaltelli E., Sherman D. K., Slovic P., Vastfjall D., & Van Boven L. (2022)

How do you know if you're financially fit? 

Doug Hoyes and Ted Michalos break down the essentials of financial "fitness", covering the importance (or unimportance) of positive net worth, stable cash flow, emergency funds, retirement planning, life insurance, budgeting, and more. This episode is packed with expert insights to help you evaluate your financial health and make informed decisions for a financially “fit” future.

Timestamps:

(0:45) – Ted Michalos on Financial Literacy Month

(2:00) – What does it mean to be financially "fit"?

(3:35) – Defining positive net worth and positive cash flow, which is more important?

(7:30) – Example of a cash flow analysis

(9:10) – The importance of an emergency fund (do you need one?)

(12:00) – Is a retirement plan essential?

(14:30) – Financial jargon sounds complex – Doug and Ted keep it practical

(16:00) – Do you need a budget or any financial plan at all?

(21:30) – Setting a savings goal: Why it matters

(24:30) – Life insurance and financial security

(25:00) – Final financial literacy advice from Doug and Ted

We release new content every weekday! Follow our socials for funny podcast clips, money management tips, Q+A, and more! Hoyes Michalos InstagramHoyes Michalos Facebook Hoyes Michalos TikTok Hoyes Michalos Twitter (X) Hoyes Michalos LinkedIn Episode Links Why Budgets Fail and How to Succeed Straight Talk on Your Money by Doug Hoyes Hoyes Michalos Blog Find a Hoyes Michalos Office in Your Area Here

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 personalized advice from a qualified financial advisor. Always consult with 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 or strategies discussed.

Veteran culture journalist Joel Rubinoff sits down  to talk about “Joel Rubinoff: The Rock n Roll Years” – a throwback film festival featuring five legendary classics hosted at Princess Cinemas. Joel will introduce each film and discuss post-show with a unique special guest for each screening!

Joel joins us to talk about each of his selections, the near-and-dear films that heartbreakingly didn't make the cut, and his 35-year career as a journalist covering film, music, and so much more! 

Details, showtimes and tickets can be found on the Princess Cinemas website at: princesscinemas.com/simplenews/joel-rubinoff-the-rock-n-roll-years. Don't miss it! 

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

Sara Casselman is the Executive Director at the Sexual Assault Support Centre of Waterloo Region. 

In this episode, we talk to Sara about myths and misconceptions surrounding sexual violence, the intersection between domestic violence and human trafficking, and what Sexual Assault Support Centres can do to help community members who have experienced sexual violence.  

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

Why is the media so rife with inaccurate reporting on epidemiological studies? To help guide us through this topic, I was joined with Gideon M-K PhD, epidemiologist, fact checker and content creator. We go through what epidemiology research looks like and some of the inherent challenges, research bias, the sensationalism pipeline that benefits everyone… except the public, a few examples of recent headlines and the studies connected to them, and more.

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

Why is the media so rife with inaccurate reporting on epidemiological studies? To help guide us through this topic, I was joined with Dr Gidion MK, epidemiologist, fact checker and content creator. We go through what epidemiology research looks like and some of the inherent challenges, research bias, the sensationalism pipeline that benefits everyone… except the public, a few examples of recent headlines and the studies connected to them, and more.

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

We’re off this week, so we’re bringing you an episode from our Globe and Mail sister show Lately. 

That creeping feeling that everything online is getting worse has a name: “enshittification,” a term for the slow degradation of our experience on digital platforms. The enshittification cycle is why you now have to wade through slop to find anything useful on Google, and why your charger is different from your BFF’s. 

According to Cory Doctorow, the man who coined the memorable moniker, this digital decay isn’t inevitable. It’s a symptom of corporate under-regulation and monopoly – practices being challenged in courts around the world, like the US Department of Justice’s antitrust suit against Google.

Cory Doctorow is a British-Canadian journalist, blogger and author of Chokepoint Capitalism, as well as speculative fiction works like The Lost Cause and the new novella Spill. 

Every Friday, Lately takes a deep dive into the big, defining trends in business and tech that are reshaping our every day. It’s hosted by Vass Bednar. 

Machines Like Us will be back in two weeks.

In our final episode with Anna Beard, she considers our new question of inheriting and passing along films, and gives some beautiful responses. And, she gives us an opportunity to remember the career of Dame Maggie Smith, which Clark ruins by once again obsessing over a chicken leg.

Anna's Instagram @ Thready.To.Sew
KW Garment Sewist Guild

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