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.
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.
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
dan kellar Kitchener, ON – Adding to the tool box to build housing in Kitchener faster, the city has fully endorsed the federal government’s new Housing Design Catalogue, which makes full “off the shelf” building design plans available free of charge. Further the city has fast tracked parts of the application process to make sure that zoning compliance approval is done within 15 days of application, and building permit review is completed within 10 days.
In a recent press release from the city, Kitchener Mayor Berry Vrbanovic said “Together, with Kitchener’s flexible planning frameworks and resources and Canada’s new guide, we’re making it easier to build more housing across our city.”
The press release also claims that the housing design catalogue “aims to make housing more affordable and accessible, providing pre-designed, adaptable housing plans for homeowners and builders, including backyard homes, fourplexes, stacked townhouses and sixplexes.
You can check out the approved designs on the City of Kitchener’s and the CHMC’s websites.
This show features an interview with Katie Anderl from Kitchener’s housing and policy division and Tim Benedict, the manager of building in the city’s building division.
Segment starts with Adam Wedd – This Christmas (drinking 4 2).
Followed by information from Professor Laura Pin, bringing some clarity to local housing issues. Including why housing is a Human Rights, and explaining what an encampment is, some discussion about project and pending report.
We then speak with Regan Sunshine Brusse – mymothernamedmesunshine.ca regarding her recent attendance at Montreal housing conference, and her local advocacy.
Two songs by local to Kitchener, JewelzRiley: Tell ‘Em Ah! and Mary Down The River We Go!
What’s up, y’all? First up, here is what I’ve added to Libretime since last week (like always!):
Faultlines
Don’t Say I Love You – Single
Folk
No
Jeff Johnston with the Newfoundland Symphony Orchestra Sinfonia
Avalon – Single
Classical
CanCon
Ryan McMahon
There She Is – Single
Folk
CanCon
jeniverse
FREAK OF NATURE – Single
Rock
NSFR
No
The Deefons
Sunrise
Punk
1 NSFR track
CanCon
Touched Fables
The Sum of All Wounds
Electronic
CanCon
Velvetcut
The Great Chameleon (New Skin)
Rock
No
Hannah Acfield
Golden Light
Pop
1 NSFR track
No
The Nolas
So Much Fun This Christmas New Year’s Party Rock Anthem – Single
Rock / Christmas
No
Blaine Sharp
The First Snowfall – Single
Pop / Christmas
CanCon
Donald Vega
All Is Merry and Bright
Jazz / Christmas
No
Alex Bird & the Jazz Mavericks
Another Christmas Day
Jazz / Christmas
CanCon
Ryan Dsouza
My Children Found My Gummies – Single
Pop / Christmas
CanCon
Angie Faith
This Christmas Album
Religious / Christmas
CanCon
Noelly
Christmas Just Wouldn’t Be Christmas Without You – Single
Pop / Christmas
CanCon
Noelly
4 De Love: Tennis – Single
Pop
CanCon
Noelle
O Canada – Single
Pop
CanCon
Michael Whalen
Heart of the Holidays
New Age / Christmas
No
Robert Peterson and the Crusade
Joys of Christmastime – Single
Rock / Christmas
No
Fingerless
Grotesque – Single
Rock
No
Margaret Dorn and the Accidentals
Acapella Holiday Classics
Christmas
No
VISSIA
Snowed In – Single
Pop
CanCon
One Hundred Moons
Black Avalanche
Rock
CanCon
Kathy Stock & Doug White
Hope at Christmas – Single
Folk / Christmas
CanCon
M0b
II
World
No
The Big Christmas Crew
Our 12 Month Christmas
Rock / Christmas
CanCon
Julian Loida
December Dreams – Single
Folk
No
Allegories
Mid Century Nothing – Single
Rock
CanCon
Lisa SQ
Reel Me In
Rock
CanCon
Danko Jones
Leo Rising
Rock
CanCon
Doug Raney Quartet
Never Say Yes — 1986
Jazz
Unreleased recordings from 1986
No
Rosalia de Souza Quarteto 55
Rosalia de Souza Quarteto 55
Jazz
No
Ginman Blachman Dahl
Play Ballads
Jazz
No
Peppermoth
Albedo
Ambient
Guelph
CanCon
AV & the Inner City
Dinner With the Lord – Single
Soul
CanCon
Kim Kaskiw
The Latin Jazz Fusion Project
Latin
CanCon
Nicholas Campbell
I’ll Regret It In The Morning – Single
Rock
CanCon
Hot Mud
Shiny Songs
Rock
CanCon
Cat Wells Blues Band
Merry Lil Christmas – Single
Blues / Christmas
Originally released in 2003
CanCon
Fresh Finesse
Trap Noir
Hip Hop / Instrumental
CanCon
Ordinary Birds
Ordinary Birds
Rock
CanCon
Carry the Sky
Sunday Morning – Single
Rock
CanCon
Dazz-B MusiQ
Meropa
World
No
Cappy and the Sunseekaz
Caribbean Christmas – Single
Reggae / Christmas
No
Maggie’s Wake
Close to Home
Folk / Christmas
CanCon
Grant Abbott
Bridges Across The Bays – Single
Rock
AI Session Musicians (all selections)
CanCon
Grant Abbott
Channel of Disturbance – Single
Rock
CanCon
Grant Abbott
Climate Rage – Single
Folk
CanCon
Sofia Abbott
Closer Every Day – Single
Folk
CanCon
Grant Abbott
Eagle and Condor – Single
Folk
CanCon
Grant Abbott
Fish Fog and Farewells – Single
Folk
CanCon
Grant Abbott
Flags in the Cold – Single
Folk
CanCon
Grant Abbott
God Over Gavel – Single
Folk
CanCon
Grant Abbott
Grassy Ass Amor – Single
Folk
NSFR
CanCon
Grant Abbott
Great Day At The Beach – Single
Folk
CanCon
Grant Abbott
Heartbreak at the Gate – Single
Folk
CanCon
Grant Abbott
Law of the Land – Single
Folk
CanCon
Grant Abbott
I Raise My Voice To Keep From Crying – Single
Folk
CanCon
Grant Abbott
Love Courageously – Single
Folk
CanCon
Grant Abbott
Musgraves Arms – Single
Folk
CanCon
Grant Abbott
Never Far From Home – Single
Folk
CanCon
Grant Abbott
Rebuilding Me – Single
Folk
CanCon
Grant Abbott
Seeded Skies – Single
Folk
CanCon
Sofia Abbott
Spirits Calling – Single
Folk
CanCon
Grant Abbott
Stouts – Single
Folk
CanCon
Grant Abbott
Tether to the Quiet – Single
Folk
CanCon
Grant Abbott
Up Behind Pine Pond – Single
Folk
CanCon
Grant Abbott
Walk the Line – Single
Folk
CanCon
Grant Abbott
You Think You Own It – Single
Folk
CanCon
Steve Holt
Jazz Christmas
Jazz / Christmas
CanCon
Here is tonight’s Horizon Broadening Hour:
Tracklist:
Jeff Johnston with the Newfoundland Symphony Orchestra Sinfonia – Avalon
Kim Kaskiw – Rise Up
Doug Raney Quartet – Get Out of Town
M0b – Echoing
Sonya Belaya – In the Garden
Rosalia de Souza Quarteto 55 – Dorme, Dorme Meu Menino
Peppermoth – Did We Ever Dance?
Noelly – 4 De Love: Tennis
AnAkA – CLEAR EYEZ (feat. NoGum Hundo)
PRIVATE NAME PRIVATE NUMBER – Can’t Compare (Freestyle)
Fresh Finesse – Cowboy Drip
Optikz – Champion
Hollie Cook – Night Night
Eddie Bullen – Show Us the Way (feat. Mel Dube, Kandice Kash, & Tasha T)
Cappy and the Sunseekaz – Caribbean Christmas
Faultlines – Don’t Say I Love You
Julian Loida – December Dreams (feat. Don Mitchell)
Grant Abbott – Up Behind Pine Pond
Jody Peck – Cook Shack
Duke & Goldie – Small Town Talk
Greg Carroll – Never Coming Back From Vietnam
Jolie Anastasia – Winter’s Song
The Deefons – Might as Well F***ing Dance
Muhnday – Straight Face
Jeniverse – FREAK OF NATURE
PHAETON – Augmented
Hot Mud – The Town That Fun Forgot
Ordinary Birds – F*K U POSER!!!
Fingerless – Grotesque
One Hundred Moons – Chairmen of the Bored
What’s up peeps. We have a jam packed show today; old school and new school jams, a big shout out to Singh Wheels And Tires in Kitchener, we’ll discuss what’s trending and Christmas season!
A slightly spooky themed episode tonight to celebrate… the end of November… But good songs nonetheless, and some fun stories to go along with them, so sit back and brace yourself for some fun and funky tunes!
Band On The Run – Paul McCartney and Wings
Dead Man’s Party – Oingo Boingo
This is the Killer Speaking – The Last Dinner Party
Packt Like Sardines in a Crushed Tin Box – Radiohead
dan kellar Kitchener, ON – Following years of development and adhering to a provincial edict, the Kitchener Fire Department has launched the “next generation” of 911 services in the region. The upgrades reflect the changes in the ways people communicate with 911, primarily the uptake of mobile phones and the abandonment of land lines.
Next generation 911 will use Internet Protocol tracking to get a more precise location of the caller and allow for faster communication of details between the caller, the dispatch centre, and fire crews rushing to a scene.
The changes to 911 services have been underway since 2022 when the mandate to upgrade was announced by the federal Canadian Radio-television and Telecommunications Commission.
The government of Ontario has been supporting the transition over the past three years with $208,000,000 in grants across the province since 2022. The Kitchener Fire Department has received $650,000 of those provincial grants while the Waterloo regional police service has been given $3,8000,000.
This show features an interview with Jamal Alam, who has spent the past 3 years as the Program Manager of Fire Systems and Projects with the Kitchener Fire Department. Alam has been with the Kitchener Fire Department for 9 years.
Kevin Swayze tells us about Unsilent Night, an annual one-night festival put on by the City of Cambridge in downtown Galt. He gives a description of the walking tour, talks about the historic buildings downtown, tells us of Galt as a film set, compares Galt to Hespeler (and Kitchener!), and tells us about living in the Rose Hill area of Galt.
Throughout the interview Phil Kline’s music for Unsilent Night plays in the background.
Kevin Swayze tells us of the origin of Unsilent Night from Wikipedia. There are references to “Boom Boxes” and “Walkman” players. Cambridge joined in 2008, it’s a walk around the streets of old Galt. It started with about 500 people, but participation increased to 10,000 people by 2018. It’s a very different energy from ducking out of the way of trucks barrelling through the streets.
8m35s
Kevin gives us a descriptive tour of Unsilent Night. You’ll run into layers of history throughout all of old Galt. He describes the streets, buildings, displays, and performances. There’s fun for everybody. Kevin tells us of some of the buildings that were used as film sets, and some of their historic uses.
16m40s
Kevin takes a brief detour to talk about the University of Waterloo School of Architecture building and its library. And then continues across the river on the west side of Galt. Kevin tells us of the buildings and the businesses and manufacturers that used to be there.
26m30s
Kevin gives his impressions of the sense of space he gets from downtown Galt. Talking about the intended purpose of the streets — for people, horses, and trains. Not even bicycles, really. Heavy trucks were banned downtown two years ago.
28m10s
Kevin says he feels Unsilent Night as a visceral event, he feels it deep inside. Bob asks if he needs prior historical knowledge to appreciate it. Kevin supplies some that historical knowledge.
32m04s
Kevin describes downtown Galt as seen in The Handmaid’s Tale, describing some of the sets used in filming. And segues into the coffee shops and other stores in Galt.
36m12s
Unsilent Night takes place on Friday, 5 December 2025 at 7:00pm. Traffic will be terrible, best to park and do some shopping in Hespeler, then take the bus to downtown Galt. Get there early, and have a meal in a downtown restaurant while you’re waiting.
38m15s
Reminiscing about downtowns as they used to be, both Kitchener and Cambridge. Kitchener is different, bigger and beefier, with bigger space and no river running down the middle. Kevin tells us of his time working downtown, walking over the bridges, and describes the downtown as it was then.
40m40s
Kevin says he could walk the Unsilent Night in about 20 minutes, but it’s meant to be taken at a more leisurely pace. And because it’s crowded, the progress is slow. Expect it to take about an hour and a half. Dress warmly, there may not be places to duck inside to warm up. It’s one night only, but come down to see the space, it’s great fun. This has the largest turnout of any Unsilent Night across the world. Downtown Galt is a space that’s built for it, like walking in a snow globe.
43m10s
Kevin doesn’t know much about the music, or Phil Kline, the composer. His personal impressesion is a soundtrack to fill the gaps while your attention is on the displays. It doesn’t overpower the other things going on. It’s the same music that plays every year, at all the venues across the world. Unsilent Night is a space to go out and not feel there’s any agenda, it’s explore and see what you can find. There’s no worry about cars, it’s nice to let people have a space without cars.
47m10s
Kevin compares Galt with Hespeler, another downtown built for pedestrians. Even more compact than Galt, it’s more “muscular” than Galt, but still feels like a little mill town. Kevin describes the library there, and some other downtown sights. Bob comments that Kevin has an eye for architecture and history. Talking about heritage protection and worries about sticking tall buildings in the downtown. Kevin lives where there are bits of history in suburbia. Talking about baseball and toboganning.
57m33s
Kevin summarizes Unsilent Night and 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.
HYOS: CAR287 Presents Manitoba Rock Revolution is a show hosted by the band CAR287 and where each band member selects an indie artist’s song to play, and then we spin a few of our own in there and talk about the history of the song.
HYOS: CAR287 Presents Manitoba Rock Revolution is hosted by Terry Ferguson and aired on CKMS-FM on Saturday 6 December 2025 from 10:00pm to 11:00pm (Eastern Time) or 9:00pm to 10:00pm in Manitoba. It continues as a regularly scheduled show. Check the Radio Waterloo schedule for details.
Time
Title
Album
Performer
Artist
Creator
Genre
0m00s
1 CAR287 presents Voice Over 1 – intro Dec 6 2025
1m30s
Opening Song
Looking Through The Lens
CAR287
Rock / CanCon
4m24s
3 CAR287 presents voice over 2 ditch Dec 6 2025.mp3
12m15s
Lady Finger Killer
RIGHT NOW!
DITCH!
Rock / CanCon
16m45s
4 CAR287 Presents Voice Over 3 Ronnie Ladobruk Dec 6 2025.mp3
25m00s
Let Me Down
Let Me Down – Single
Ronnie Ladobruk
Rock / CanCon
29m00s
6 CAR287 presents voice over 4 Leddwyn Dec 6 2025.mp3
33m35s
Horde
Mask of Sanity – EP
Lëddwyn
Rock / CanCon
37m30s
8 CAR287 Presents Voice over 5 Why Dec 6 2025.mp3
43m00s
Soul Declares
Soul Declares – Single
WHY
Rock / CanCon
49m30s
10 CAR287 Presents Voice Over why and outro 6 Dec 6 2025.mp3
Susan Salomonsson shares the second part of her Thread Through Time Series A Lemon Pie Life and explains the significance of the title before reading from the first chapter of the novel.
Margo LaPierre tells our listeners about her new poetry collection Ajar (Guernica Editions, 2025), her publishing journey and the background to the creation of the collection, then reads several pieces from the collection.
Website: Margo LaPierre Linktree
Book Site: Ajar
What’s up, y’all? First up, as always, here is what I have added to Libretime since last week:
Horse Chops
Hinterland
Rock
CanCon
vintage credenza
Drone Prompts II
Ambient
No
Nadia Labrie
Hommage a Claude Bolling
Classical
CanCon
An Vedi
Underneath – Single
New Age
CanCon
Mark Veldhoven
Wait It Out – Single
Rock
CanCon
S-Pazz
Birth of Light – EP
World
No
BoonDog
Jam House
Rock
First two tracks are NSFR
CanCon
prhcr.
No One’s Coming – Single
Rock
Radio Edit and Instrumental Available
No
Henry Lees
Smoke – Single
Folk
CanCon
Beta Voids
Scrape It Off – EP
Punk
No
Big Big Furnace
Fall Music Sampler
Rock
No
Sia Shells
Riding The Wave – Single
Pop
No
Neil Haverty
What I Don’t Need – Single
Rock
CanCon
Dan Pallotta
Working Man’s Son
Folk
No
Libby Ember
To Her – Single
Pop
CanCon
Dylan Ella
Pocket Sized
Rock
CanCon
BEIBEI
YOU, HERE – Single
Pop
CanCon
Alexander Saint
Alexander Saint EP
Folk
CanCon
Private Name Private Number
Can’t Compare (Freestyle) – Single
Hip Hop
NSFR
CanCon
Jambal x Kenai Shogun
Men of Average Nature
Jazz
No
Duane Andrews
Duane Andrews and the Hot Club of Conception Bay
Folk
CanCon
9ope
Somebody’s Something – Single
Pop
CanCon
Muhnday
Before We Met
Rock
3 NSFR Tracks
No
Julia Dawson
Guilty – Single
Pop
CanCon
Motorists
Cristobal – Single
Rock
CanCon
Shiny Cote
Memores – Single
Electronic
No
Johnny Beachit
Please, Not Another Rom Com Country Song – Single
Country
No
AnAkA
Crisis of the Concrete
Electronic
No
Bad Trips
Nothing But Trouble
Rock
No
Jamie Lidell and Luke Schneider
A Companion for the Spaces Between Dreams
Ambient
No
peopling
Catatonia Estates
Rock
1 NSFR track
No
Helene Barbier
Panorama
Folk
CanCon
Sam Salmon and the Grand Manan Bandits
Down for Life
Folk
CanCon
Burning Hand
Jawbreaker
Rock
2 NSFR Tracks
No
Here is tonight’s Horizon Broadening Hour:
Tracklist:
Billy Yfantis – Cat’s Eye Nebula
An Vedi – Underneath
Nadia Labrie – Suite no. 2 for Flute and Jazz Piano Trio: Part 4: Vagabonde
Vintage Credenza & Chris Perrin – Aren’t We In Love
Jambal x Kenai Shogun – moan
George Kontomichalis – You Stepped Out Of a Dream
Kalia Vandever – Withholding
BeiBei – YOU, HERE
9ope – Somebody’s Something
Julia Dawson – Guilty
Libby Ember – To Her
Sia Shells – Riding the Wave
Liona Boyd – Summer Dreams (feat. Olivia Newton-John)
Blessing Tangban – God Of…
Kpec3 arrival – lock my eyes
Alexander Saint – Slow Down Boy
Sam Salmon and the Grand Manan Bandits – No One Likes Losing
Duane Andrews – I’m Gonna Sit Down and Write Myself a Letter
Johnny Beachit – Please, Not Another Rom Com Country Song
Henry Lees – Smoke
Dan Pallotta – 24 Kenmore Road
Horse Chops – Salt in the Baltic
Beta Voids – Baby’s in Detox
Helene Barbier – A House
Elephanthump – Late Night Brainstorm
Trevor Howlett & the Cruz Bros – Nowhere Fast
Mark Veldhoven – Wait It Out
Dylan Ella – Sushi Joint in a Western Town
Big Big Furnace – I Would
Motorists – Cristobal
Burning Hand – Off the Tracks
Cepheidae Variable – Carving a Dragon