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.
What You Will Learn (Timestamps)
[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.
Visual Assets
Reference the “Hexavision Flight Plan Diagram” and the “Kinetic Wealth vs. Dead Equity” chart discussed in this episode.
Ready to Engineer Your Flight Plan?
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.
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.
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
L’incorazione di Poppea, SV 308 / Sento Un Certo Non So Che
English Baroque Soloists, John Eliot Gardiner, conductor
12:27
Arcangelo Corelli
Concerto Grosso in G Minor, Op. 6, No. 8, “Christmas Concerto”: I. Vivace – Grave, II. Allegro, III. Adagio – Allegro, IV. Vivace, V. Allegro, VI. Pastorale Ad Libitum: Largo
Capella Istropolitana, Jaroslav Kr(e)chek, conductor
27:21
Alexander Glazunov
Raymonda, Op. 57: Act I, Grand Adagio
Esther Yoo, violin, Philharminia Orchestra, Vladimir Askenazy, conductor
32:06
Johann Sebastian Bach
Sonanta for Solo Violin No. 1 in G Minor, BWV 1001: III. Siciliana (Arr. for guitar by Yang)
Xuefei Yang, guitar
35:13
William Byrd
Mass for 4 Voices: Kyrie
Oxford Camarata, Jeremy Summerly, conductor
39:26
Michael Haydn
Trumpet Concerto in C Major, MH 60: II.Allegro molto
Crispian Steele-Perkins, trumpet, The King’s Consort, Robert King, conductor
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 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:
Tria Prima
The Mortificatio
Metal
No
Mossy Ledge
Christmas Lights – Single
Rock / Christmas
CanCon
The Fake Friends
Sucker Born Every Minute – Single
Punk
CanCon
Carina
Snowball Effect – Single
Pop / Christmas
CanCon
The Naysayers
Everybody Comes Here To Die – Single
Rock
CanCon
Dual Dialect
Conglomerate [EP]
Electronic
No
Dead Pollys
Xmas Evening
Punk / Christmas
No
core blo77er
bulgaria
Alternative
CanCon
Gao Hong, Royal Philharmonic Orchestra, & “The President’s Own” United States Marine Band
Symphony of Self
Classical
No
Discovery Through Torment
Telesynthetic Rebirth
Metal
CanCon
kpec3 arrival
Heaven’s Gate – Single
Rock
No
Blue Eye Red
Christmas With You – Single
Christmas
CanCon
Marcelle George
Born Young
Folk
No
Joseph Schertz
Merry Karma Christmas – Single
Rock / Christmas
No
K. Forest
Final Bo$$
Pop
Track 4 is NSFR
CanCon
Two Tonne Machete
Pigs Pigs – Single
Punk
Explicit and Clean Versions Available
No
Igor Lisul
Somewhere in Time, Vol. 2
Rock / Instrumental
No
Mezziah & DJ Ritz
The Bloom Effect
Hip Hop
CanCon
Les Batards
Linge Sale
Punk
CanCon
Sean A Mcnamara
HER – Single
Rock
CanCon
Jamie Hoover
Surfin With Santa – Single
Rock / Christmas
No
The Dream Eaters
Year End Report
Pop
No
Jeffery Straker
A Very Prairie Christmas
Folk / Christmas
CanCon
Dead Broke
Hypernormal – Single
Rock
CanCon
Cut Flowers
Until It’s Time – Single
Folk
CanCon
Dwayne Gretzky
The Chain – Single
Rock
CanCon
ARK IDENTITY
Falling Apart – Single
Pop
CanCon
Strawberry Alarm Clock
Blow Your Mind b/w Live Water – Single
Rock
No
Checkmate
Favorite Song – Single
Rock
No
Dave Lindsay
Follow the Sun
New Age
CanCon
Devah
To Depression – Single
Pop
No
Massimo Pieretti
The Next Dream
Rock
No
Damndest
What Did You Expect?
Rock
No
Gwynn Davies
The Definition of Insanity, a Commodity, a Human Being
Folk
CanCon
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!
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.
What You Will Learn in This Episode:
[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.
Ready to Engineer Your Wealth?
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.
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…
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
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:
Jay Williams
In a Zombie World – Single
Pop
No
Shannon Dooks
O Christmas Tree (Here We Are) – Single
Folk / Christmas
CanCon
Adam Franklin
Plans – Single
Alternative
No
Outlying
Oblivisci
Metal
CanCon
Shores of Null
Latitude of Sorrow
Metal
No
In Virtue
Age of Legends
Metal
No
AITTALA
ILL-GOTTEN GAINS
Metal
No
Half Dollar Dog
Small Town Xmas – Single
Rock / Christmas
No
Mike Van Eyes Big Band
Yield Not To Temptation – Single
Blues
CanCon
Son of Dave
I Like Surprises – Single
Latin / Christmas
No
shy blossom
Stardust – Single
Rock
No
shy blossom
Nothing To Say – Single
Rock
No
shy blossom
Like You Used To – Single
Rock
No
shy blossom
Don’t Call Me – Single
Rock
No
shy blossom
Come On Dear – Single
Rock
No
Alan Ward
Great Time – Single
Hip Hop
NSFR
No
Johnny Beachit
Do You Like, Like Me? – Single
Country
No
Twilight Phenomenon
Phases
Ambient
CanCon
Kasaka
Virtuality – EP
Rock
Released in 2007
No
Kasaka
Climbing Life – Single
Rock
No
Kasaka
Constant Change – Single
Rock
No
Kasaka
Difference – Single
Rock
No
Kasaka
Learn – Single
Rock
No
Kasaka
Picture – Single
Rock
No
Kasaka
Radio On – Single
Rock
No
Kasaka
Twists and Turns – Single
Rock
No
Kasaka
Star – Single
Rock
No
The Gulley Family
I Love Christmas – Single
Christmas
CanCon
Michelle Joly
All I Want For Christmas (Dreams Come True) – Single
Pop / Christmas
CanCon
Melanie Peterson
Read It On The Radio – Vol 2
Folk
CanCon
Dandelion Highway
Either Way (Acoustic) – Single
Folk
CanCon
Ihlan Irsahin
Istanbul Sessions – Yeditepe & Asmalı Single Two
World
No
Jeremy Voltz
Feel It All – Single
Soul
CanCon
Tedy
Scandalous
Pop
3 NSFR Tracks
CanCon
Jenny Palacios
IYKYK – Single
Rock
CanCon
Dylan White
Fronds
Alternative
CanCon
Wasting Time
Ripped Blue Jeans – Single
Punk
CanCon
Tyson Ray Borsboom
Learning Slow – Single
Folk
CanCon
Boyboy Militia
It’s a Boy
Electronic
No
Starbuck
I’ll Be There To Take You Home – Single
Pop
No
Cam Mac
Too Damn Fine – Single
Pop
CanCon
MAINEND
Missed Calls – Single
Pop
CanCon
MAINEND
Coastal Trouble – Single
Pop
CanCon
MAINEND
Bruised Youth – Single
Pop
CanCon
Martyrs
Sno-fi
Alternative / Christmas
No
Travis Jenkins Piano Trio
Jazz in Meanjin 020: Live at JMI
Jazz
No
Gemini DC
Late Nites
Hip Hop
NSFR
No
Vocal Quartet Misty
Christmas Wonderland
World / Christmas
Croatian
No
Kevin Asher and the Barnburners
The Bonds We Break
Country
CanCon
Dan Sindel
Duck the Halls – Single
Rock / Christmas
No
Will Lawrence
Rooftops in the Centerfold
Folk
No
Jamurai Sack
Anagapesis
Rock
No
Irish Millie
Between Then and Now
Folk
CanCon
Andrew Irving
If I’m Not Alright – Single
Pop
CanCon
SH3
The Blue Album
Pop
CanCon
Here is tonight’s Horizon Broadening Hour:
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
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.
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.
Bob asks about Love Your Neighbour Communities. Boris says that it’s an organization to provide attainable housing for everyone in the community. They discuss the scarcity of available housing. “LYNC” is not the organization Bob thought it was, there are others using the same name. They’re working in partnership with the Region of Waterloo, as well as the Township of Wilmot. They’re redeveloping the old police station in New Hamburg, right beside the historic feed mill, which LYNC bought in 2022. The community came together to raise $1.5 million to purchase the properties. There will be 35 units of housing in this building.
10m45s
Boris explains the term “Attainable Housing” — high quality housing that should be available to anyone. The development will be mixed income housing, mixed generational housing. There are accessible units, some with two bedrooms. This development is in New Hamburg, but Boris will be going to Drayton in Mapleton Township to see about developing there. Boris is looking to repurpose existing buildings to reduce the environmental footprint.
16m04s
Paul has been creating a history program out of the mill block where you can see the history from the time the mill block was established. It started when someone requested a tour of the mill, but the building had been empty for two years and not ready for a tour. So Paul accessed research by local historians and put together the history of the mill. Some of this history is available on the LYNC YouTube channel. The housing should be ready around the time of the mill’s 200 year anniversary. Paul has set up one of the old police cells as a display area. There are community walk tours; Boris wants to have the mill and the history project part of that.
21m03s
A LYNC Christmas is Paul’s brainchild. He says that as an organization, they need to give back to the community. There are two events to do this, one is the porch music festival. They raised $30,000 even though this wasn’t supposed to be fundraiser. A LYNC Christmas is free afternoon of music, tickets are about three-quarters sold. Boris gives the event details, and Paul runs down the musicians: Juneyt, Anat Hector, Lisa Hagen and the Local Vocals, and Derek Goupil and the Highview Community Church Band. Paul is concerned that the show will be sold out and people will miss the performances. Paul has a phenomenal reputation in the community, so he had contacts to get all these musicians. He’s not just an event planner, Paul is the treasurer on the LYNC Board of Directors.
27m30s
Paul tells us of his past, when he was homeless as a youth, and how important it was to get help from his community. Bob comments on the precarity of housing, most people are only one paycheque away from not paying rent. Boris tells us of a young lady who is working, and making too much money to live in social assitance housing but not enough to pay rent at market rates, and so ended up homeless. Boris tells us of his frustration about this, how difficult the process for getting assistance is. LYNC doesn’t provide transitional housing, but focuses stopping individuals from getting on the street, provide housing so they can provide for themselves. The problems in society have become so great people can’t get ahead of it. People aren’t listening to what people need, Boris is changing that. Paul says that when he first looked to help from the community he was told “You’re not a brand.” Now LYNC is that brand.
35m50s
Boris tells us of the LYNC partnership with a construction manager, Nith Valley Construction. LYNC finds people in the community who need jobs and find employment for them. The ground floor of LYNC is entirely social enterprises, ready to help people in all kinds of jobs.
36m45s
Bob asks how rent costs are determined in a mixed income community. Boris tells us they’re aiming for “deep affordability”, far less than the government’s definition of 80% of market rate. One of the keys is that it has to be sustainable. The LYNC Board has financial planners, with experience in all things. And they will hire staff to provide building management. LYNC will maintain management of the buildings, but the tenants will form a cooperative to develop programs that meet their needs. And there is room for volunteers! That’s how they can have programs like A LYNC Christmas, and community gardens, and learning how to prepare food. Purchased food is so expensive, people can reduce those costs by growing their own food.
43m33s
LYNC is looking for volunteers, but Paul has things well in hand for A LYNC Christmas. Paul makes a pitch for donations on Giving Tuesday. As a registered charity, tax receipts are made available for all donations. Donations can be made online at https://lyncommunities.com/donate/. Paul tells us about their newsletter, not just with info about LYNC but also info about he community. Bob explores the LYNCommunties.com website.
45m50s
How did Boris get involved? He used to work at Ray Of Hope and was contacted by a former co-worker who needed help. He’s worked in organizations across the world, and LYNC is one of the most exciting groups he’s worked with. Housing is a big issue, more so than helping at the soup kitchen or donating to the food bank. LYNC gets lots of help from the Region and the Township, but the system makes it hard to do what they’re doing, but they keep on plugging ahead. And the community is very generous.
50m17s
Paul got involved when he was living on the streets at age 15. He had help from people in the community, and he felt the need to give back. He started with LYNC when the building was purchased.
53m41s
Boris recaps the event details for A LYNC Christmas, and Paul recaps the musicians, all local. Bob makes a pitch for local musicians to submit music to Radio Waterloo.
56m33s
Bob gives the end credits.
CKMS Community Connections airs on CKMS-FM 102.7 from 3:00pm to 4:00pm on Mondays and alternate Fridays.
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.”
Your income hits the account and instantly pays down the debt (eliminating interest drag).
Because the credit is readvanceable, that capital is immediately available again.
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.
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.
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
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
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