Today’s Guests:
On this week’s Your Money Matters Radio Show, Host Scott Whatley sat down with Kurt Rogers, Owner of Affordable Interest Mortgage, to break down the key factors every current or future homeowner should understand before choosing a mortgage. Kurt explained the differences between conventional, government-backed, and non-QM loan programs, including FHA, VA, USDA, DSCR, reverse mortgages, bridge loans, and rehab financing. He emphasized that selecting the right loan is not always about chasing the lowest rate, but matching the loan to your long-term goals, expected time in the home, monthly payment comfort, and overall costs. The conversation also covered how mortgage rates are determined, including the impact of FICO scores, loan-to-value ratios, loan type, and loan terms. Kurt discussed why maintaining strong credit and understanding debt-to-income ratios can significantly affect borrowing options. The show also highlighted the long-term benefits of homeownership, from building equity and financial return to creating stability and personal memories. Listeners also learned about buydowns and the “All In One Loan” concept as tools to potentially improve cash flow and financial flexibility. 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 Medicare & More with Jim Garey, Owner of Silver Sherpa Inc. On this week’s Medicare & More Show, Jim Garey, Founder of Silver Sherpa, Inc., and Dylan Nava talk about “The Unexpected Layoff”. Jim says if feels like weekly at our Workshops a person will say I felt I would be at my job another 3-5 years! They are over 65 and had to scramble to get help. Jim encourages our listeners come to free Workshop, gain some knowledge, establish a relationship with Jim & Dylan. Then if the unexpected pink slip comes you are ready to go. We invite our listeners to attend an upcoming “Educational Workshops” coming to a Library near you. Go to www.Sherpa123.com, click on Events and sign up for the date that is best for you. There is no fee for the Medicare services Silver Sherpa Inc provides for their clients. If you are turning 65 this year, now is the time to contact Silver Sherpa Inc.

⛰️ Don’t climb “Mt. Medicare” alone. Let Silver Sherpa guide you—every step of the way in 2026 and beyond.
Let Jim walk beside you, explain your options, and help you reach the summit with confidence.
👉 Register today: www.Sherpa123.com
📞 Call or Text Jim: 303-865-5534
We can’t wait to see you at an upcoming workshop! 😊

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Today’s Guests:
Dr. Shane Nau of Colorado Eye Consultants joined us to discuss the critical role vision plays in overall quality of life and how modern ophthalmology is helping patients see and live better. As a board-certified ophthalmologist specializing in comprehensive eye care and cataract surgery, Dr. Nau emphasized the importance of early detection, routine eye exams, and patient education. A Colorado native, Dr. Nau trained at the University of Colorado, completing both his medical degree and ophthalmology residency, and has earned numerous academic honors along the way. He brings not only clinical expertise but also a strong commitment to serving the community, including volunteer work with underserved populations in the Denver area. During the conversation, Dr. Nau explained how cataract surgery has advanced significantly, now offering patients improved vision with safer, more efficient procedures and quicker recovery times. He also talks about blepharoplasty, a procedure that can enhance both vision and appearance by addressing excess eyelid skin. What truly sets Dr. Nau apart is his patient-first approach—delivering high-quality care in a friendly, approachable manner. His goal is simple: help every patient maintain healthy vision so they can fully engage with the world around them.

In our final half hour it’s Your Health Matters, brought to you by Integrated Health Systems. Today Functional Nutritionist Elizabeth Mahnke joins us to talk about a very important blood marker on your blood test, your A1C level. Elizabeth explains that the A1C test measures your average blood sugar levels over the past 2 to 3 months. Results are reported as a percentage. Elizabeth goes thru all the different ranges and what they mean on your blood test report. As you may assume, the higher the percentage, the higher your blood sugar has been. You will hear what stage is pre-diabetic as well as the full diabetic stage. It’s always a free initial consult call 303-781-5617 or visit their website at www.IntegratedHealthDenver.com.

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Today’s Guests:
On this episode of Water Talk, Paul “The Waterman” Dowding, Owner of Water Pros focused on a growing concern in America’s drinking water: pharmaceuticals that may be present in source water, groundwater, surface water, and even treated drinking water. The discussion centered around new information from the U.S. Environmental Protection Agency, which, in coordination with federal partners including the USDA, FDA, and USGS, released updated Human Health Benchmarks for Pharmaceuticals in April 2026.

These benchmarks do not necessarily mean every community has these drugs in its water, but they do show that the EPA is paying attention to the issue. The agency evaluated 374 FDA-approved pharmaceutical ingredients that may occur in water and developed benchmark levels for both the general population and infants. Those separate infant benchmarks are especially important because babies and young children may be more vulnerable to even very low levels of exposure.

Paul explained that pharmaceuticals can enter the water supply in several ways. Medications may pass through the body and into wastewater, be improperly flushed or discarded, or enter the environment through medical, agricultural, or household use. Traditional municipal water treatment is designed to make water legally safe from bacteria and many regulated contaminants, but it may not remove every trace pharmaceutical, hormone, chemical, or emerging contaminant.

The key takeaway from the interview was not fear, but awareness. Many of these substances may be found only at very low levels, and the EPA’s benchmarks are meant to help water systems, scientists, and public health officials evaluate potential risk. However, Paul emphasized that “legal” water and “optimal” water are not always the same thing. Families who want greater confidence in what they are drinking should understand what is in their local water and consider additional in-home filtration when appropriate.

As always on Water Talk, Paul’s message was education first. The more consumers understand about pharmaceuticals, PFAS, microplastics, and other emerging contaminants, the better decisions they can make for their home, their health, and their water. Call today for your free in home water test 303-862-5554.

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Today’s Guests:
On this 5/14/26 episode of the Legal Talk Radio Show on KLZ560AM, host Scott Whatley sat down with Attorney Kevin Flesch of Flesch Law Denver Injury Accident Lawyers, to discuss “5 Things Most People Don’t Know After Being Arrested for DUI.” The interview focused on the critical mistakes and misunderstandings that can seriously impact a person’s case in the hours and days following a DUI arrest.

Kevin explained that many people don’t realize a DUI actually involves two separate matters — the criminal case and the DMV/Express Consent case — both carrying important deadlines and consequences. He also discussed how statements made to law enforcement, social media activity, and delays in hiring an attorney can all negatively affect a defense strategy.

Listeners learned the difference between roadside sobriety tests and chemical testing, along with the serious consequences that can come from refusing tests in Colorado. Kevin also emphasized that DUI cases are often more complicated than they appear, with factors such as medical conditions, fatigue, medications, and improper testing procedures sometimes playing a major role.

The conversation also covered what happens after an arrest, common defense strategies, and why choosing an experienced DUI attorney matters. The interview provided practical guidance for anyone facing a DUI charge or wanting to better understand the legal process.

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.

On this episode of Your Legacy Your Way, Attorney Carolyn Duncan of Duncan Legal discusses why keeping your Last Will and Testament updated is more important than ever — and how poorly prepared or outdated documents can lead to devastating family disputes through what is known as a “will contest” or caveat. Carolyn explained that a will can be challenged if it does not meet legal standards, if someone claims undue influence, lack of mental capacity, fraud, or improper execution.

The conversation highlighted who has legal standing to contest a will, including current beneficiaries, disinherited heirs from previous wills, and individuals who may inherit under intestacy laws. Carolyn emphasized how contested estates can quickly drain financial assets while creating emotional turmoil among surviving family members.

Listeners also learned practical ways to reduce the risk of future challenges, including avoiding do-it-yourself estate planning, communicating wishes clearly with family members, keeping documents updated as life changes occur, and considering trusts for additional privacy and protection. Carolyn stressed the importance of working with an experienced estate planning attorney to ensure documents comply with state law and truly reflect your wishes. For a 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”. Be sure 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 Caranci and host Scott Whatley talk about e-biking responsibly. Scott mentioned a News story this morning where the Reporter stated the problem is not “regular e-bikes”, the problem is modified and e-bikes and motorized bikes. Scott also shared how a listener ask about Randy’s secret for finding great employees. Almost every show Randy mentions the great Staff at EBike of Colorado so Randy shares a few thoughts about his philosophy on hiring employees. Randy encourages our listeners to take advantage of the matching Rebate, a total of $450 off of your purchase right at the counter. If your bike needs service call EBike of Colorado. Located at 544 Front St. in Louisville, Colorado. Open 10–7 Mon–Sun for your convenience. Their goal? Find you the RIGHT bike—not just sell you a bike. Check out the website at www.ebikeofcolorado.com. Call them at 720-739-0299.

Then it “Listen Up” with Dr. Melissa Fling our exclusive audiologist for Haystack Help Radio and Sportsman of Colorado Radio. Today we focused on “Custom fit” and how this what Custom Ear Solutions is all about. Then Dr. Fling once again encourages our listeners to get a comprehensive hearing exam. You must get a baseline of where your hearing is at, you can measure your hearing loss year by year if you don’t have a baseline. Invest in your hearing health today, schedule your hearing test now call 720-839-7705 and check out the website at www.CustomEarSolutions.com.

In our final segment we promote the upcoming Colorado Gun Collectors Show May 16-17, 2026 with our guest Sean Bagmall. Sean, a young man of 19 explains his love for collecting and how it came about. Sean invites everyone out this weekend $15 per person and that ticket is good for both days. This is truly a great event for the whole family to attend. For more information visit www.CGCA.com.

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Today’s Guests:
On this week’s Your Money Matters Radio Show, Kurt talked about how today’s mortgage conversation always begins with interest rates, which continue to move up and down based largely on the Fed Funds Rate and the 10-year bond market. Kurt believes this “rollercoaster” will continue over the next 12 to 18 months, making it important for buyers and homeowners to focus less on timing the market and more on their personal financial situation. He emphasizes asking the right questions before purchasing or refinancing, starting with affordability. Understanding your total payment—principal, interest, taxes, insurance, and possible HOA fees—is key, with most homeowners targeting 35% to 45% of their monthly income. Kurt also highlights the importance of credit scores, loan qualifications, and knowing your true costs, including closing expenses and cash-to-close. Whether buying or refinancing, being prepared financially and informed about your options can save thousands and lead to a much more confident decision. 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 Medicare & More with Jim Garey, Owner of Silver Sherpa Inc. On this week’s Medicare & More Show, Jim Garey, Founder of Silver Sherpa, Inc., invites our listeners to attend an upcoming “Educational Workshops” coming to a Library near you. Go to www.Sherpa123.com, click on Events and sign up for the date that is best for you. Jim then explains he has had several couples lately where the husband talked the wife out of using the free services of Silver Sherpa. That’s right Jim & Dylan offer their Medicare services absolutely free and they are very transparent that their commissions are paid by the insurance companies. There are no “small” mistakes when it comes to signing up for Medicare! All mistakes can be very costly! So Jim encourages everyone, please come to a Workshop and let Jim & Dylan help you up Mt. Medicare. If you are turning 65 this year, now is the time to contact Silver Sherpa Inc.

⛰️ Don’t climb “Mt. Medicare” alone. Let Silver Sherpa guide you—every step of the way in 2026 and beyond.
Let Jim walk beside you, explain your options, and help you reach the summit with confidence.
👉 Register today: www.Sherpa123.com
📞 Call or Text Jim: 303-865-5534
We can’t wait to see you at an upcoming workshop! 😊

Listen:
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Today’s Guests:
Gubernatorial Candidate Greg Lopez is in studio to make a very significant announcement here on Haystack Help Radio. Today Greg announces his selection for Lieutenant Governor and we were glad to welcome Taralyn Romero. Greg shares why he made this choice for Taralyn to join him on his bid to be the next Governor. Also, Taralyn shares why she accepted this incredible offer. She explains as a 4th Generation Coloradan we must win the Election and with the Ticket of Lopez and Romero they are ready to get to work to bring Colorado back to the Colorado we all love and want to work in and raise our families in.

Then it’s Your Health Matters, brought to you by Integrated Health Systems. Today Dr Perry Maynard joins us and shares 3 separate Patient stories of their journeys to better health with Integrated Health Systems. It’s always a free initial consult call 303-781-5617 or visit their website at www.IntegratedHealthDenver.com.

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Today’s Guests:
On this episode of Water Talk, Paul “The Waterman” Dowding, Owner of Water Pros talks about what type of Water Filtration Systems does Water Pro’s offer? Today Paul the Waterman walks us thru some of the products Water Pros offers and yes they are made in the USA!
First we break the news that Water Pros is now offering a great R/O system for those who may be living in Apartments, Townhomes and even RV/Camper owners. It’s the Fresh Stream Tankless R/O System from Kenai, brought to you by Water Pro’s. This compact, tankless system is designed perfectly for renters and anyone who wants fresh, clean drinking water without bulky equipment or hassle. And right now, it’s a great deal… normally $2,400, now just $1,800 installed. Paul also talks about the more traditional systems, call now for your free in home water test 303-862-5554.Call Water Pro’s today and ask about the Fresh Stream Tankless R/O System from Kenai. Water Pro’s—Your Home… Your Health… Your Water.

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Today’s Guests:
On this episode of Legal Talk, host Scott Whatley sat down with Kevin Flesch of Flesch Law to hear Kevin explain what happens legally when a driver causes an accident and the injured parties are passengers in the same vehicle. Many people assume that passengers cannot pursue a claim if the driver is a friend or family member, but Kevin clarifies that passengers do have legal rights when they are injured in a crash. In most cases, a passenger’s claim is not really against the driver personally, but rather against the driver’s automobile insurance policy. Insurance exists to provide coverage when someone’s negligence causes injuries to others. Because passengers typically have no control over how the vehicle is being driven, they are rarely considered at fault and often have strong claims for compensation. Kevin explains that injured passengers may be able to recover damages for medical bills, lost wages, pain and suffering, and other costs related to their injuries. If another driver also contributed to the accident, multiple insurance policies may be involved, and the passenger may have claims against more than one driver. In some situations, underinsured motorist coverage can also play an important role. Kevin emphasizes that anyone injured as a passenger should seek medical attention and speak with an experienced attorney as soon as possible to understand their rights and protect their potential claim. 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.

On this episode of Your Legacy Your Way, Attorney Carolyn Duncan of Duncan Legal talks about when someone passes away with a will, many people assume their assets automatically transfer to their family. However, Carolyn explains that a will does not avoid probate. Instead, a will provides instructions to the court about how a person’s assets should be handled and who should be responsible for managing the estate. The probate process typically begins when the will is filed with the probate court. The court then formally recognizes the person named in the will as the personal representative, sometimes called the executor. This individual is responsible for managing the estate’s affairs. Their duties include identifying and gathering assets, notifying creditors, paying outstanding debts and taxes, and eventually distributing the remaining assets according to the instructions in the will. Even when everything goes smoothly, probate can take several months and sometimes longer depending on the complexity of the estate or if disputes arise among heirs. Carolyn emphasizes that while having a will is far better than having no plan at all, it may not be the most efficient option for every family. Many people choose to incorporate trusts into their estate plans to help avoid probate and simplify the transfer of assets. The most important step, she says, is creating a clear plan so loved ones are protected and unnecessary stress is avoided. For a 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”. Be sure 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, we reflect back on a couple of great reviews that customers have left and wow, e-bike of Colorado delivered in a big way! Some great accolades were given about the knowledgeable Staff and how they helped them choose the perfect bike for their use. They complimented the trail system test ride that they have available and are allowed to test ride a few models to get their comfort & understand the experience in urban & gravel/trail environments to make an informed decision. Other top testimonial comments include: “their whole team is really welcoming and kind”. One client was replacing their car with an e-bike for a more eco-friendly and fun way of transportation. Other comments include “very kind and great shop, very trustworthy and fun people., and “excellent membership options that helps you save 20% on all of the accessories.” “Just Try It” — take a test ride and feel like a kid again!

Whether you’re cruising snowy paths or prepping for spring trails, e-bike of Colorado delivers top-notch service and truly takes care of their customers. Located at 544 Front St. in Louisville, Colorado. Open 10–7 Mon–Sun for your convenience. Their goal? 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 Dr. Melissa Fling, Owner of Custom Ear Solutions. Today. Dr. Fling talks about some of the products available in her office, offering an April special – save $50 on a Hearing Exam in April, just mention the show “Listen Up”. Custom Ear Solutions is your one stop shop for preventative hearing care and solutions customized just for you. Invest in your hearing health today, schedule your hearing test now call 720-839-7705 and check out the website at www.CustomEarSolutions.com.

In our final segment Rick Wilson, President of the Colorado Gun Collectors joins us to talk about their upcoming show in Greeley May 16-17th. Visit www.CGCA.com for more information.

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