This week's episode is a cosmetic chemists reaction episode, featuring the POV of cosmetic science PhD student Lanesa Mahon @raya.faces and myself. Topic: beauty trends. Trends we reacted to include: microbiome skincare, biotech beauty, menopausal skincare, dermatologist brands, green beauty and more! 

Interested in supporting the podcast? Find us on Patreon at www.patreon.com/theecowell

In this episode of the Dog Friendly KW Podcast, Justine and Mackenzie tackle the tricky subject of lost dogs. They discuss what to do if your dog goes missing and also what steps you can take as a pup-parent to prevent such a stressful situation. 

♦

• • Waash – It Goes On – Vancouver, BC
  • Sun Junkies – Parachuting – Brantford, ON
  • Tom Hanley – Overnight – Uxbridge, ON
  • Maggie Andrew Come Clean – Nova Scotia
  • Norma MacDonald Comes in Waves – Halifax, NS
  • Kellie Loder Can’t Go Back – Newfoundland & Labrador
  • Charlie PS Slow Burn – Chilliwack, BC
  • Harley Olivia Haunted – Toronto, ON
  Thank you listeners for taking the time to listen to my show. Thank you, Bands, Musicians, and promoters for sending me music. I thought as things around here are about to change again, I should update this (and partially to see who stops by the page). So my day job actually ending up ending in August 2022. I hit affiliate on Twitch, and now I’m trying to make a full time gig of playing games over there and keep having fun here with the postcast. If you watch twitch, please consider heading over to may page Twitch and drop me a follow. Other Important Links
  • IR Redbubble shop
  • Insomnia Radio Canada Twitter (@IR_Canada)
  • Insomnia Radio Canada Facebook
  • IR: Canada
  • IR: Canada Feed
  • Insomnia Radio Canada on Telegram
  • email: chris at insomniaradio dot net
  • Insomnia Radio Canada Play List on Spotify
  • Insomnia Radio Canada on Spotify
  • Chris’s Twitch, TicTok, Youtube and more!

With a new season comes a new question! Gone are our questions about snacks (we get it, people like popcorn), and matching food and movies (we get it, Clark is the only one who thinks about this a lot). 

We have a new question for our guests: what is one movie you feel like you inherited from a previous generation, and what is one movie you want to pass on to a future generation. Here are our answers, and we look forward to hearing the answers of others.

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

In this episode, Doug Hoyes is joined by Ted Michalos as they discuss the importance of doing an annual financial checkup.  Doug explains the importance of having a plan and touches on various topics such as updating your will, insurance, investments, bank accounts, taxes, passwords, and debt.  Now is the time to review your finances and make a plan for the new year so you can set yourself up for success!

Time Stamps

00:00 Introduction

01:20 Self Assessment

02:03 Review and Update Your Will

02:57 Power of Attorney for Personal Care & Power of Attorney Over Property

04:18 Insurance

04:24 Life Insurance

05:16 Term Insurance

06:15 Mortgage Insurance vs. Life Insurance

08:15 Medical/Disability Insurance

09:23 Asset Insurance (Car Insurance, Homeowners Insurance)

10:31 Credit Insurance

11:32 Investments

11:39 Do Investments Still Make Sense?

13:53 Bank Accounts

14:41 Should You Have More Than One Bank Account?

18:30 Big Banks vs. Virtual Banks Interest Rates and Fees

23:41 Should You Reconcile Your Bank Account?

25:36 Passwords

26:30 Taxes

26:58 Debt – Make a Plan

Related Links:

Why You Should Bank at More Than One Bank

www.hoyes.com/blog/why-you-should-bank-at-more-than-one-bank/

Why Do I Need To Switch Banks? I Love My Bank.

www.hoyes.com/blog/why-do-i-need-to-switch-banks-i-love-my-bank/

How to Open a New Bank Account For A Bankruptcy or Consumer Proposal

www.hoyes.com/blog/opening-a-new-bank-account-bankruptcy-consumer-proposal/

RRSP, Registered Savings Accounts and Bankruptcy Laws

www.hoyes.com/blog/rrsp-bankruptcy-laws-canada/

Power of Attorney: Can I Deal With My Parents’ Debts?

 www.hoyes.com/blog/power-of-attorney-parents-debts/

Income Taxes and Bankruptcy – What You Need to Know

www.hoyes.com/blog/income-taxes-and-bankruptcy-what-you-need-to-know/

Crushing Debt. Why Canadians Should Drop Everything and Pay Off Debt

www.hoyes.com/blog/crushing-debt-why-canadians-should-drop-everything-and-pay-off-debt/

What is a Debt Free in 30 Debt Assessment?

www.hoyes.com/about-hoyes-michalos/debt-free-in-30/