Audio
CKMS 102.7 FM: Radio Waterloo
Exploring AI Music
CKMS 102.7 FM: Radio Waterloo
Radio Nowhere Episode 128, 9/13/25
CKMS 102.7 FM: Radio Waterloo
Classical Coffee Break, Ep 27 – 09.25.25
CKMS 102.7 FM: Radio Waterloo
Classical Coffee Break, Ep 26 – 09.18.25
Kitchener Baptist Sermons
Spiritual Hunger
CKMS 102.7 FM: Radio Waterloo
New Music Added to Libretime + Horizon Broadening Hour #96
Kitchener Baptist Sermons
I AM the Good Shepherd
Across Her Table
Episode 9 - Reem Ahmed Promo
CKMS 102.7 FM: Radio Waterloo
The All Out Show Hosted By David Par Radio
Debt Free in 30 Minutes
576 – First-Time Homebuyer's Survival Guide: Avoid Hidden Costs & Regrets
Are you considering stepping into the world of homeownership? This episode is packed with insights every first-time homebuyer needs. Doug Hoyes and Ted Michalos discuss why a declining market might benefit new buyers, the emotional traps leading to risky financial decisions, and the true cost of homeownership – beyond the mortgage. Learn how unexpected expenses (from land transfer taxes to home repairs) can derail your budget if you’re not prepared, the biggest regrets homeowners face, and how to avoid being “burned” by your first purchase. 00:00 - Why a declining market can be an opportunity for new homebuyers 02:30 - The emotional reasons people want to own a home over renting 04:45 - The biggest emotional mistake of buying a house 10:40 - The mortgage is just the tip of the iceberg for home costs 16:00 - Emergency fund vs. line of credit for home maintenance 18:00 - The inevitability of things needing repair 19:00 - Land transfer tax, and so much more 21:00 - The many other costs of buying a home: lawyer fees, moving, and HOAs 23:00 - The biggest regrets new homeowners have 27:00 - How to avoid being "burned" by buying a house 29:00 - The pressure of "keeping up with the Joneses” A House Is Not An Investment If You Can’t Afford It – Debt Free in 30 Episode “What to do if I can’t pay my mortgage?” Hoyes Michalos YouTube Channel
“I can’t afford my mortgage renewal, now what?” – Hoyes Michalos FAQ Sign Up for the Monthly Debt Free Digest 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.
Kitchener Baptist Sermons
Real-Life Issues: Biblical Hope Vs. Cultural Hope
Cordial Catholic, K Albert Little
Protestants Get Augustine WRONG! #apologetics #catholic #churchfathers #christian
CKMS 102.7 FM: Radio Waterloo
Classical Coffee Break, Ep 25 – 09.11.25
CKMS 102.7 FM: Radio Waterloo
The Clean Up Hour, Mix 335
The Sound Affect
Mooch Picks Kyuss' Welcome to Sky Valley
Montreal's Mooch pick the stoner-rock/Desert Rock classic "Welcome to Sky Valley" by Kyuss!
Despite breaking up in 1995 Kyuss impacted the 1990s musical landscape in so many ways.
"Welcome to Sky Valley", Kyuss’ third studio album demonstrates a much more psychedelic and mature sound that has influenced a slew of bands including Black Thorne Productions recording artist Mooch.
Ben Cornel (guitar , bass, vocals), Julian Iac (guitar, vocals, bass), and Alex Segreti (drums) join us to discuss their love of the record.
Be sure to check out their latest release "KIN".
MOOCH have just wrapped up an extensive tour of Canada that was highlighted with a performance at the Yellowknife’s Folk On The Rocks Festival
Cordial Catholic, K Albert Little
What Protestants Get WRONG About Augustine (w/ Dr. Shane Owens)
Kitchener Baptist Sermons
The Boots of the Gospel of Peace
Communitech
How to make a great tech event with Victoria Harrison and the Accelerator Centre's Shriaa Sheth
KW Linux User Group(KWLUG)
2025-09: Drupal, GrapheneOS
Megan McDermott and Martin Anderson-Clutz introduce the Drupal content management system. Doug Moen offers a Luddite Perspective on GrapheneOS. See kwlug.org/node/1445 for additional information, slides and other auxiliary materials. Note that this audio has had silences clipped.
CKMS 102.7 FM: Radio Waterloo
CKMS News -2025-09-09- A delicious month of local eats as townships set to host events celebrating local food.
CKMS 102.7 FM: Radio Waterloo
Radio Nowhere SPECIAL ENCORE PRESENTATION from, Episode 74, August 4, 2024
CKMS 102.7 FM: Radio Waterloo
CKMS Community Connections for 14 July 2025 with Tamara Lorincz
CKMS 102.7 FM: Radio Waterloo
Ear To Ear with 0Stella
CKMS 102.7 FM: Radio Waterloo
New Music Added to Libretime + Horizon Broadening Hour #95
Kitchener Baptist Sermons
Finishing Well
Cordial Catholic, K Albert Little
He tried to convert CATHOLICS — it backfired! #apologetics #catholicchurch #bible #christian #jesus
CKMS 102.7 FM: Radio Waterloo
The Financial Toolbox: Choosing the Right Account for Your Goals
Debt Free in 30 Minutes
575 – Why Canadians Are Financially Struggling, Even When Doing Everything Right
Staying financially stable in Canada has never been harder. Even when you’re working, budgeting, and “doing everything right,” rising insolvencies, higher debt loads, and a cooling housing market are leaving many Canadians struggling to stay afloat in 2025. If you’ve ever wondered why it feels impossible to get ahead financially (even when you’re trying your best!?), this episode helps explain the challenges in today’s economy and offers practical strategies to help Canadians move forward. 0:00 – Season 12 kicks off, Doug Hoyes and Ted Michalos discuss the future of DFI30 2:00 – Canada’s economy today: rising insolvencies and financial strain 4:00 – The impact of higher unemployment and growing uncertainty 7:15 – Why home equity isn’t the financial safety net it once was 10:50 – How financial exhaustion affects mental health and overall wellness 13:00 – Breaking the stigma: addressing shame around debt 14:30 – Key warning signs that you may have too much debt 17:00 – Why many Canadians underestimate how much debt they carry 20:00 – First steps to take when debt feels unmanageable 23:30 – Why working more hours won’t solve financial problems 24:20 – How consumer proposals help Canadians get back on track Indicators of Financial Vulnerabilities – Household Credit Performance Chart Who’s Filing Insolvency in Canada and Why? Joe Debtor Bankruptcy Study Free Canadian Credit Repair Resources Hoyes Michalos YouTube Channel Sign Up for the Monthly Debt Free Digest
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
CKMS 102.7 FM: Radio Waterloo
David Par Radio The All Out Show September 7 2025
CKMS 102.7 FM: Radio Waterloo
Introducing Analog Rock Duo: The Thinkers / Philippines – Followed by: Prolific Records Jm New Release Music Showcase: Sista Mika
CKMS 102.7 FM: Radio Waterloo
Classical Coffee Break Episode 24 – 09.04.25
CKMS 102.7 FM: Radio Waterloo
The Clean Up Hour, Mix 334
Cordial Catholic, K Albert Little
How to Convert to Catholicism without Destroying Your Marriage (w/ Dr. Ray Guarendi)
CKMS 102.7 FM: Radio Waterloo
Community Connections Monday -1st of September-Wrapping up the Summer with CKMS, playing tunes & event sharing!
Across Her Table
Episode 1 Promo
CKMS 102.7 FM: Radio Waterloo
Radio Nowhere SPECIAL ENCORE PRESENTATION from, Episode 73, July 27, 2024
CKMS 102.7 FM: Radio Waterloo
New Music Added to Libretime + Horizon Broadening Hour #94
Kitchener Baptist Sermons
Choosing Who to Believe
CKMS 102.7 FM: Radio Waterloo
The All Out Show Sunday August 31 2025
Communitech
Improving patient outcomes for stroke survivors with Sensible Vascular's Kevin Macwan and Purvish...
Debt Free in 30 Minutes
574 – Simple Shifts: Ways to Save More and Spend Less
Looking to save more and spend smarter? This episode is packed with practical, expert-backed tips - from insider grocery hacks and avoiding hidden fees to smarter banking strategies. Learn how simple shifts, like opening a second bank account or using preloaded credit cards, can help you take control of your money and reach your financial goals faster. (01:00) Avoiding hidden service charges (04:00) Top Canadian grocery tips: Snacks vs. Groceries with The Food Professor (05:40) How preventive costs can save you big (09:45) Why you should open a second bank account (10:30) More grocery hacks to cut your bill (15:00) The payoff of investing in insurance (17:50) Top 3 shopping tips to save money (20:00) Why a home isn’t always an investment: Renting vs. owning (24:00) The benefits of preloaded credit cards with digital banks (28:00) The importance of diversifying your money
Free Canadian Credit Repair Resources
10 Tips for Dealing With Collection Agencies Ontario Consumer Proposal and Bankruptcy FAQ Hoyes Michalos YouTube Channel Sign Up for the Monthly Debt Free Digest
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.
CKMS 102.7 FM: Radio Waterloo
Classical Coffee Break Episode 23 – 08.28.25
Cordial Catholic, K Albert Little
A Jehovah’s Witness Discovers the CATHOLIC Church. #apologetics #catholicchurch #bible #biblestudy
Cordial Catholic, K Albert Little
Scripture AND Apostolic Authority. #apologetics #catholicchurch #bible #history #biblestudy
CKMS 102.7 FM: Radio Waterloo
The Clean Up Hour, Mix 333
CKMS 102.7 FM: Radio Waterloo
Don’t Stop The Presses
Cordial Catholic, K Albert Little
All the Apostles are Buried in CATHOLIC Churches! 🤯 #apologetics #catholicchurch #bible #church
Cordial Catholic, K Albert Little
An Evangelical Worship Leader Discovers Worship in the Early Church was CATHOLIC!
WLU Staying Golden
Staying Golden - Episode 1: Cheering on AFC Toronto with Sammi Urbina
Welcome to the Staying Golden Podcast, hosted by Narayan Subramoniam.
Come join us in this insightful episode as Sammi Urbina dives into the passion-fueled world of women's soccer supporter groups, and her career journey in events management. Discover how she's building community in a post-COVID world and how this led her to co-found Vermillion Vanguard, AFC Toronto's first official Supporter's Group.
Find out more about Vermillion Vanguard: www.instagram.com/vermilionvanguard/