Today’s Guests:
On this episode of The Your Money Matters Radio Show, Kurt Rogers, Managing Broker at Affordable Interest Mortgage talks about how the real-estate market has shifted over the past year and why now is the time to prepare if you’re considering buying within the next 12-months. Kurt explains that we’re in a true buyer’s market, inventory is meeting demand, sellers are more negotiable, and rates are trending down. Homeowners with rates under 4% have slowed the market, but pent-up demand is building as affordability improves. Kurt details why getting pre-approved—verified income, assets, employment, and credit—gives buyers stronger negotiating power than a simple pre-qualification. Kurt also highlights seller concessions that can lower closing costs or buy down interest rates, saving buyers $600–$900 a month. For investors – there’s special loan programs like DSCR loans that allow rental income to offset mortgage payments, offering solid cash flow, tax advantages, and long-term appreciation. Finally, Kurt emphasizes the value of working with a local mortgage broker who shops multiple lenders, offers flexible options, personal service, and competitive pricing—helping Colorado buyers and investors make smarter, more profitable real-estate decisions. Call Kurt today at 720-895-0500 for your Pre-Approval. Kurt Rogers is our exclusive Mortgage Broker. Call Kurt at (720) 895-0500 and explore your mortgage refinance options if you have high interest debt! Kurt is saving real clients, real money! Check out the website at www.aimortgage.net. Affordable Interest Mortgage – Powered by IMB #2191655. NMLS 217147. Equal Opportunity Lender. MLO #100020228.

Then, it’s another great episode of the Medicare & More Show with host Scott Whatley and special guest Jim Garey, Licensed Insurance Broker & Founder of Silver Sherpa, Inc. AEP is in full swing, (Annual Election Period) for Medicare. Today, Jim Garey, Owner of Silver Sherpa Inc, focuses on folks who are just turning 65 and starting the climb up Mt. Medicare. Jim recommends attending one of the Silver Sherpa’s Educational Workshops. The workshops provide a ton of great information and they are absolutely free to attend! Jim says even if you are planning on working and keeping benefits, Jim says you should attend a workshop, to explore all your options. Agent, Dylan Nava, of Silver Sherpa, Inc. join is the conversation to describe the process of getting signed up for Medicare. We also discuss some misconceptions on supplement plans. Visit www.Sherpa123.com click on Events and sign up for a free talk at a local library where you will be given true factual information which is the first step to making the right steps in choosing your plan. Call 303-865-5534.

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Today’s Guests:
Lone Tree Veterinary Medical Center has been our personal care center for our pets for over 20 years. It’s wonderful to have the Veterinary care, Grooming, Training and Boarding all under one roof. Today Pet Behavioral Specialist, Will Bruner joins us to talk about the Training that is available at Lone Tree Veterinary Medical Center. Will says that this time of years “puppies” are a popular gift, but there are some careful considerations everyone should think about before making this decision. Will offers group training as well as private training for your dog. For more information visit www.LoneTreeVet.com.

Then it’s Your Health Matters, brought to you by Integrated Health Systems. Today Dr. Shane Steadman discusses Migraine headaches and with Thanksgiving and the holidays just around the corner, he’ll share some healthy eating tips. It’s always a free initial consultation call 303-781-5617. Visit their website at www.IntegratedHealthDenver.com.

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Today’s Guests:
On this episode of Water Talk, Paul Dowding, Owner of Water Pro’s and Host Scott Whatley discuss a recent news story out of Aurora, CO. In the first year of the state’s new Mobile Home Water Quality Act, 27 parks, more than 10% of those tested had drinking water quality issues, according to the Colorado Department of Public Health and Environment. “We’re concerned about any kind of contamination that represents a health issue from drinking water,” said Ron Falco, safe drinking water program manager at CDPHE. The contaminants documented range from harmful bacteria to arsenic over the federal maximum contaminant level, high manganese levels that state officials say can be dangerous for bottle-fed infants and disinfection byproducts linked to cancer risk over time. Paul reminds our “Well Water Listeners” that Water from private wells is not regulated and is not tested as regularly, so private well owners are responsible for their own testing. Take control of the quality of your water today, call 303-862-5554 and ask for your free in home water test, check out the website at www.WaterPros.net.

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Today’s Guests:
Attorney Kevin Flesch of Flesch Law and Host Scott Whatley finish up our 2 part series on DUI’s. As we clearly stated these last 2 shows, do not drink and drive! Always have a plan. A first time DUI Conviction will cost you approximately $10,000.00 with Legal Fees, Insurance, Classes and Interlock Device. Kevin will share more facts about what you can expect if you are charged with a DUI. Kevin says future conviction will be more costly and include jail time. Contact Flesch Law immediately if you are arrested for a DUI. We lay it all out on what you can expect plug you get a DUI. What do you say and do when you are pulled over by the Police? Should you take Roadside test? Attorney Kevin Flesch of Flesch Law has over 30 years of experience in Denver and throughout the State of Colorado. Kevin Flesch and their attorneys represent personal injury victims and people accused of criminal acts throughout the Denver area. It’s always a free consultation at Flesch Law. Call Kevin today at 303-806-8886 or visit the website at www.fleschlawfirm.com. Got a legal question? You can now TEXT the Flesch Law Line 24/7 with your legal question: 720-201-8585.

Then it’s Your Legacy Your Way, with Estate Planning Attorney Carolyn Duncan. Host Scott Whatley speaks with Attorney Carolyn Duncan of Duncan Legal about some critical steps to building a solid estate plan that protects your family and your legacy. It begins with taking an inventory of your assets, from property and investments to digital accounts. Next, clearly define your goals and beneficiaries to ensure your wishes are honored. Creating or updating your will is essential to direct asset distribution and appoint an executor. Establishing a trust can help avoid probate, minimize taxes, and safeguard loved ones. Designating powers of attorney for financial and medical decisions ensures someone you trust can act on your behalf if needed. Advance healthcare directives, such as a living will, guide end-of-life choices with compassion and clarity. Finally, review your plan regularly—especially after major life changes—to keep it current and effective. Together, these steps provide peace of mind and a lasting framework for protecting what matters most. The episode closes with an invitation to contact Duncan Legal for compassionate guidance in protecting family and legacy. Free half-hour consult call 303-394-2358. Carolyn says her motto is “Helping People Solves Life’s Puzzles.” Visit www.DuncanLegal.com and get your free Guide Estate Planning Basics”.

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Today’s Guests:
It’s the “Just Try It” Radio Show brought to you by e-Bike of Colorado! Randy Caranci, Owner of e-Bike Of Colorado joins us as the largest retailer in Colorado of E-bikes. On today’s episode, Randy joins us from the great State of Wyoming along with a couple of his friends “AJ” and Brian. We discussed last week the recent visit Randy and the Staff has at the Segway factory and tells about another recent visit with Segway. AJ and Brian give us their reviews on the Segway Xafari Electric Bike. They have been giving this ebike quite a workout tune in for their opinions. Remember the Rebate of $450 ends December 31st. EBike of Colorado will be closed Thanksgiving and Black Friday. Gift cards are available! EBike of Colorado will help you find the right bike! “Just Try It”, take a test ride and feel like a kid again. EBike of Colorado has an outstanding service record and will absolutely take care of their customers! Located at 544 Front St. in Louisville, CO and open 10-7 Mon-Sun for your convenience! “Just Try It!” At e-bike Of Colorado their goal is to find you the right bike, not just sell you a bike! Check out the website at www.EbikeofColorado.com.

Then it’s “Listen Up” with our Audiologist, Dr. Melissa Fling of Custom Ear Solutions. On today’s show Dr. Fling of Custom Ear Solutions explains the causes and health impacts of hearing loss, including its links to dementia and isolation. She emphasizes prevention through proper hearing protection, especially in noisy environments. Dr. Fling also highlights the value of custom-fitted solutions and regular hearing tests. Whether you need hearing protection for shooting, loud machinery or you just want to block out noise for a better nights sleep, call Custom Ear Solutions at 720-839-7705 and check out the website at www.CustomEarSolutions.com.

In our final segment Allen Stack, Owner of Stack Optical. Allen is celebrating 57 years in business. Stack Optical is your one stop shop for all of your Optical needs. Eye Exam for only $69, Eyeglass Repairs, Prescription Sunglasses, Contacts, Eyeglasses. With their onsite lab your glasses will be ready in 2-3 days (in most cases). Check out the website at www.stackoptical.com.

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Today’s Guests:
On this episode of The Your Money Matters Radio Show, Kurt Rogers, Managing Broker at Affordable Interest Mortgage is with us to discuss
what truly determines your mortgage interest rate and why credit score plays the biggest role. While factors like income, equity, loan-to-value (LTV), and loan amount matter, the most influential is your credit score, which ranges from 300 (high risk) to 850 (low risk). Major lenders like Fannie Mae, Freddie Mac, and Ginnie Mae handle about 90% of all mortgages, and each loan must include Loan Level Pricing Adjustments (LLPAs) fees that reflect borrower risk. Kurt breaks down how credit scores directly impact costs: a 680 vs. 720 FICO can mean thousands in added fees or higher rates. Other risk factors include property type, loan purpose, and cash-out refinances. He also reviews what affects credit scores payment history (35%), credit utilization (30%), and credit age, mix, and new credit (35% combined). Kurt Rogers is our exclusive Mortgage Broker. Call Kurt at (720) 895-0500 and explore your mortgage refinance options if you have high interest debt! Kurt is saving real clients, real money! Check out the website at www.aimortgage.net. Affordable Interest Mortgage – Powered by IMB #2191655. NMLS 217147. Equal Opportunity Lender. MLO #100020228.

It’s another great episode of the Medicare & More Show with host Scott Whatley and special guest Jim Garey, Licensed Insurance Broker & Founder of Silver Sherpa, Inc., joined by Agent Dylan Nava. On today’s show we talk more about about the Annual Election Period (AEP) opens October 15–December 7, 2025! Jim walks us through the process of what all Silver Sherpa Inc does to make sure you have the right plan.
Dylan explains the “Plan Optimizer Profile”, which is what every perspective client fills out so they can analyze your Doctors, Medications etc. Jim also says hey even if you think you have the right plan, give Silver Sherpa Inc a call 303-862-5554, the services are free for you to have your current plan checked out.

🎓 Attend a FREE Medicare Simplified Workshop to learn:
✅ Parts A, B, C & D made simple
✅ “Part B Giveback” & marketing gimmicks explained
✅ How to avoid penalties & coverage gaps
✅ Open Q&A + free Medicare Workbook!
📍 Upcoming Workshops:
📅 11/13 – Arvada Library, 3:30 PM
📅 11/15 – Castle Rock Library, 11 AM
📅 11/17 – Koelbel Library, 6 PM
📅 11/19 – Columbine Library, 4 PM
🖥️ Virtual Webinar Options, too!
AEP is open now – take action today! Visit www.Sherpa123.com to find an educational class that are free to attend. As an Independent Broker there is no fee for Jim to be your “Sherpa”, your Guide up Mt. Medicare. As a Broker, Jim offers the same exact pricing as Aetna, Humana, United Health Care, etc. the Silver Sherpa’s guidance up Mt. Medicare does not cost you a penny. All commissions are paid by the insurance companies. Call 303-865-5534. ⛰️ Don’t climb “Mt. Medicare” alone — let Silver Sherpa be your guide every step of the way!

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Today’s Guests:
Heather Heubenschild, Executive Director for Night Lights Inc. joins IHS to talk about their fundraising Gala Event November 15th at the Mount Vernon Canyon Club. Night Lights Inc provides respite care for children ages 1 month to 13 years old who have special needs and their neuro-typical siblings, helping parents or caregivers have time to refresh, regroup, and take care of themselves. There are 6 centers in Colorado providing this wonderful service. This will be a night you will never forget, get your tickets now at www.NightLightsKids.org.

Then Scott Henke, Owner of Onsite Consulting is with us and we cover some great topics. We start out with the new Social Security sign in mandate. Scott explains this in great detail. Then we discuss some current scams, and what you need to know if you’re current computer is operating on Windows 10. Scott offers a free computer check up, which is an $80 value if you mention Haystack Help Radio.
Then it’s Your Health Matters brought to you by Integrated Health Systems.

In our final half hour it’s Your Health Matters, brought to you by Integrated Health Systems. In this interview, Functional Nutritionist Elizabeth Mahnke explains why blood sugar regulation is vital—even for non-diabetics. She highlights how spikes and crashes can lead to fatigue, cravings, inflammation, and long-term health risks. Elizabeth introduces Continuous Glucose Monitors (CGMs) as powerful tools for real-time insight into how food, stress, and sleep impact glucose. Ideal for prediabetics, athletes, and anyone curious about metabolic health, CGMs reveal surprising trends and empower smarter dietary and lifestyle choices. It’s always a free initial consultation call 303-781-5617. Visit their website at www.IntegratedHealthDenver.com.

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Today’s Guests:
On this episode of Water Talk, Paul Dowding, Owner of Water Pro’s and Mark Whitlock discuss how a municipal water system deals with bacteria and viruses. The EPA has a laundry list of unregulated contaminants that are in our water. Are they harmful? Why are these contaminants not being tested? Free in home water test call 303-862-5554.

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Today’s Guests:
Attorney Kevin Flesch of Flesch Law and Host Scott Whatley discuss DUI’s and other types of Alcohol/Drug traffic violations. Kevin’s opening comment, Don’t Drink and Drive! You must have a plan if you are going out to have drinks. There is so much to know if you receive are arrested for a DUI. Kevin will break it all down on today’s show, and Part 2 will air next Thursday. Contact Flesch Law immediately if you are arrested for a DUI. We lay it all out on what you can expect plug you get a DUI. What do you say and do when you are pulled over by the Police? Should you take Roadside test? Attorney Kevin Flesch of Flesch Law has over 30 years of experience in Denver and throughout the State of Colorado. Kevin Flesch and their attorneys represent personal injury victims and people accused of criminal acts throughout the Denver area. It’s always a free consultation at Flesch Law. Call Kevin today at 303-806-8886 or visit the website at www.fleschlawfirm.com. Got a legal question? You can now TEXT the Flesch Law Line 24/7 with your legal question: 720-201-8585.

Then it’s Your Legacy Your Way, with Estate Planning Attorney Carolyn Duncan. Host Scott Whatley speaks with Attorney Carolyn Duncan of Duncan Legal about the sensitive but vital topic of conservatorship—how to protect loved ones who can no longer manage their finances or make sound decisions. Carolyn explains that in Colorado, a conservatorship is a court-appointed role that allows someone to oversee another’s financial matters, while a guardianship covers personal and medical care. The discussion highlights warning signs—like missed bills, confusion, or falling for scams—that may signal it’s time to step in. Carolyn outlines the court process, emphasizing safeguards, accountability, and the conservator’s duties, such as maintaining records and filing reports. She stresses balancing compassion with control, involving the loved one in decisions, and using less-restrictive alternatives whenever possible. Carolyn also reviews preventive tools like financial powers of attorney and living trusts, noting that early planning is an act of love. The episode closes with an invitation to contact Duncan Legal for compassionate guidance in protecting family and legacy. Free half-hour consult call 303-394-2358. Carolyn says her motto is “Helping People Solves Life’s Puzzles.” Visit www.DuncanLegal.com and get your free Guide Estate Planning Basics”.

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Today’s Guests:
It’s the “Just Try It” Radio Show brought to you by e-Bike of Colorado! Randy Caranci, Owner of e-Bike Of Colorado joins us as the largest retailer in Colorado of E-bikes. On today’s episode, Randy talks about 2 very special visits that the team at EBike of Colorado really enjoyed. Orbea and Segway are 2 great Vendors and Randy shares how important these visits are for the Staff. EBike of Colorado is the largest independently owned EBike store in Colorado. As we go through the last Quarter of 2025 there are some great savings to be had with some huge markdowns! Don’t forget the $450 Colorado Rebate ends Dec 31st so now is the time save big. Randy tells us about 2 Manufacturer visits today with ORBEA and SEGWAY, we will hear about that on next Wednesdays show. As we near the holidays online shopping is easy to do but don’t buy an ebike online, Randy will explain the pitfalls. EBike of Colorado also sells Gift Cards. The great Staff at EBike of Colorado will help you find the right bike! “Just Try It”, take a test ride and feel like a kid again. EBike of Colorado has an outstanding service record and will absolutely take care of their customers! Located at 544 Front St. in Louisville, CO and open 10-7 Mon-Sun for your convenience! “Just Try It!” At e-bike Of Colorado their goal is to find you the right bike, not just sell you a bike! Check out the website at www.EbikeofColorado.com.

Then it’s Listen Up with Audiologist Dr. Melissa Fling. You must protect your hearing and the best way to that is with Custom Ear Solutions! Dr. Fling stresses how important an annual hearing test is for your hearing health. Whether you need hearing protection for shooting, loud machinery or you just want to block out noise for a better nights sleep, call Custom Ear Solutions at 720-839-7705 and check out the website at www.CustomEarSolutions.com.

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