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 air our live recording from Friday night December 5th when we attended the Louisville Parade of Lights and the Customer Appreciation Party at eBike of Colorado. We had a couple of great conversations with eBike of Colorado clients and it’s what we say over and over again on this show, the Staff is amazing! Here what real clients have to say about their buying experience. 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 Dr. Melissa Fling, Owner of Custom Ear Solutions. As you listen to Dr. Fling you will quickly see her passion and expertise in protecting your hearing. Call today for your hearing exam 720-839-7705 and check out the website at www.CustomEarSolutions.com.

In our final segment Author Steve Osterholzer is with us to promote his 2 latest books. Steve talks about how these 2 books came to life and you may order at Amazon. A Wilderness Filled Soul and Wilderness Waters.

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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 explain how homeowners should evaluate whether to refinance now or wait for rates to drop further. With rates beginning to decline—but not expected to return to 2022 levels—Kurt stresses identifying your goals: lowering payments, removing mortgage insurance, accessing cash, or consolidating debt. He shows how refinancing, even from a 3–4% mortgage to a higher rate, can still save over $1,000 per month when factoring in high-interest credit card debt. Refinancing sooner also provides breathing room, improves credit scores, and reduces long-term interest paid. While waiting for lower rates might slightly reduce payments, homeowners risk losing significant monthly savings and potential cash-out options if values soften. Kurt also outlines alternatives such as FHA/VA streamline refinances, DSCR loans, bank-statement programs, rehab loans, bridge loans, reverse mortgages, and second-position equity options—giving homeowners multiple pathways to lower payments and improve financial stability. 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. Jim talks about wrapping up the AEP (Annual Election Period) for Medicare. Jim reflects back on a few client stories and how he was able to help so many clients. Jim says Medicare is still so confusing, with all the TV and radio ads, the mail bombardment, it’s easy to see why it’s overwhelming. But with Silver Sherpa Inc. they are your Guide up Mount Medicare. The service they offer is free and then Jim and the Team will be beside you every year making sure you don’t get lost in the bizarre world of Medicare.
Jim also shares some about us Faith and how he uses this in his business daily. The free Workshops will once again be in full swing starting mid-January, so stay tuned for more details. 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! Check out the website at www.sherpa123.com.

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Today’s Guests:
A couple of months ago, I decided to have my eyes checked for cataracts. I was referred to Colorado Eye Consultants and Dr. Robert Fish, from a very well respected Eye Surgeon who simply told me, Dr. Fish is the best. So I’m very happy to report, I have completed the surgeries, and wow, I am very pleased. So I wanted to bring to our listeners an interview with Dr. Fish, of Colorado Eye Consultants.
Dr. Fish tells us about his credentials and their philosophy about customer care at Colorado Eye Consultants. Dr. Fish also walks us through the cataract surgery process and the different options that are available today. I commented to Dr. Fish on how convenient their office is, where the medical side of the practice is connected to the Surgery Center, along with an Optical Center. If you have been considering Cataract Surgery, I highly recommend Dr. Fish and Colorado Eye Consultants.

Then it’s Your Health Matters, brought to you by Integrated Health Systems. Today Dr. Perry Maynard is with us to discuss Falls, Fall Risk and some in home test you can do to check your balance. At Integrated Health Systems, Dr. Maynard explains their cutting edge technology to help diagnose properly balance and dizziness issues. Falls are the leading cause for TBI hospitalizations. If you fall it’s always better to seek medical attention and make sure you are not injured. 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, Scott and Paul “The Waterman” Dowding tackled a surprising and growing concern: pharmaceuticals showing up in our drinking water. Paul explained that trace amounts of medications—including painkillers, antidepressants, hormones, and antibiotics—are now being detected in water systems nationwide. While levels are measured in parts per trillion, long-term exposure and the mixture of multiple drugs raise real questions. Water treatment plants were never designed to remove these compounds, and sources range from human excretion to agricultural runoff and even manufacturing waste. Colorado is not immune, with studies showing drug residues throughout the Front Range.

The good news? Proven technologies like reverse osmosis and advanced carbon systems can greatly reduce these contaminants. Paul emphasized the importance of education, proper testing, and choosing certified solutions.

Call Water Pro’s today at 303-862-5554 for your FREE water test.

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Today’s Guests:
Attorney Kevin Flesch of Flesch Law and Host Scott Whatley focus on the Flesch Law free consultation. Attorney Kevin Flesch encourages our listeners to consider the advantages of the Flesch Law “Free Consultation”. Kevin says don’t go through the stress for even a few days about your situation, call right away and Kevin says his staff will quickly arrange the free consultation. We also talk about one client story that is over 5 years old and is now close to settling, that started with a simple free consultation and is ending with a positive outcome. Kevin also talks about some of the pitfalls about self-representation. There are huge mistakes that can be made within the first few weeks of a Personal Injury case. 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. Attorney Carolyn Duncan at Duncan Legal, PC, focuses today’s topic on don’t procrastinate getting your Estate Plan done. Carolyn shares stories of some recent cases of emergency situations where families were not prepared. 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, as we close in on the end of 2025, now is the time to save big at EBike of Colorado. The rebate of $450 expires close of business Dec 31st. There are still some great bikes with huge markdowns! Randy invites everyone to come attend the Louisville Parade of Lights along with the EBike of Colorado Customer Appreciation Party this Friday night Dec 5th at 5pm. 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. Now is the time to get your hearing tested! If you are exposed to loud noises, Custom Ear Solutions is the answer. 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 explain why today’s housing landscape is truly a buyer’s market. With more homes available, longer days on market, and sellers offering incentives, buyers have strong negotiating power. Despite the slowdown, home values are not depreciating—conforming loan limits have risen to $832,750 for 2026, and NAR reports 2.7% appreciation year-to-date. Kurt emphasizes long-term ownership: a $500,000 home appreciating at 2.7% annually becomes worth over $600,000 in seven years. A key opportunity in this market is seller concessions, especially 2/1 and 3/2/1 buydowns, which can dramatically reduce payments and save thousands upfront. Buyers can also choose to apply concessions toward a permanent rate reduction. Kurt encourages knowing your true credit score, optimizing it for the lowest rate, and exploring flexible loan programs like FHA and VA. With appreciation trends and strong concessions, now is an excellent time for buyers to take advantage. 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., joined by Agent Dylan Nava. On today’s show we talk more about about the Annual Election Period (AEP) which is only open for another week, ending on 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.

AEP is open now – take action today! Visit www.Sherpa123.com to learn more. 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:
Scott Henke, Owner of Onsite Consulting joins us and shares some great travel tips for phones and computers. Scott explains several Apps you should have on your phone. What WIFI’s should you NOT connect to? There are some things you should download even before you get on the plane! Take a listen, it will help you. If you are in the market for a new computer we highly recommend Onsite Consulting, 6446 E Hampden Ave in Denver.

Then it’s Your Health Matters with Dr. Shane Steadman, brought you by Integrated Health Systems. On this episode of Your Health Matters, Dr. Steadman explains Mild Cognitive Impairment (MCI), a condition marked by noticeable memory and thinking changes that go beyond normal aging but don’t yet interfere with daily life. He outlines common symptoms forgetfulness, word-finding issues, poor concentration, and changes in judgment or mood. Dr. Steadman discusses potential causes ranging from depression, vitamin deficiencies, sleep problems, and medication side effects to early neurological conditions like Alzheimer’s or Parkinson’s. He emphasizes the importance of proper diagnosis, treating underlying issues, lifestyle improvements, and regular follow-ups to monitor progression and protect long-term brain health. 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, host Scott Whatley and Paul “the Waterman” Dowding, owner of Water Pro’s, and Water Treatment Specialist Mark Whitlach tackle one of the nation’s most alarming environmental threats — PFAS, or “forever chemicals.” These man-made compounds, found in products like non-stick pans, waterproof fabrics, and food wrappers, never break down and accumulate in the environment and human body. Paul explains that nearly 70 million acres of U.S. farmland may be contaminated due to the use of biosolids — wastewater sludge repurposed as fertilizer — which often contains PFAS. This toxic cycle allows PFAS to infiltrate soil, crops, livestock, and ultimately our food and water supply. Our conversation highlights that while the EPA regulates metals and pathogens, it does not regulate PFAS in biosolids or food, leaving a major policy gap. The health impacts are severe: cancer, immune suppression, liver damage, thyroid and reproductive issues. He urges listeners to test their water, install reverse osmosis or carbon filtration systems, and buy organic foods to minimize exposure. Finally, Paul calls on the public to pressure local and federal leaders to ban PFAS-contaminated sludge and demand transparency. The episode closes with Water Pro’s mission: “Cleaner Water, Healthier Home.” Call Water Pro’s today for your free in home water test 303-862-5554.

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Today’s Guests:
Attorney Kevin Flesch of Flesch Law joins us and Kevin talks about his 30th year as an Attorney. In addition, we’re celebrating our 13th year of the Legal Talk Radio Show on 560AM KLZ with Host Scott Whatley. Flesch Law is proud to be the exclusive Personal Injury and Criminal Law Firm for Haystack Help Radio. Kevin briefly discusses one of the most interesting cases he has been working on for the past 5 years, which involved the city of Aurora and a Police shooting. Kevin was happy to report a settlement was reached this year. Some of the most difficult cases in Personal Injury is where the client just simply is not properly insured. Kevin outlines 2 very important coverages.
The first is Med Pay, “buy as much as you can”, this is YOUR money to help with medical expenses that never has to be repaid. The second coverage is UM/UIM UnInsured/UnderInsured Motorist, again, buy as much as you can afford. Approximately 1/3 of drivers are not insured properly. 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.

In this episode of Your Legacy Your Way, Attorney Carolyn Duncan joins us here on this Thanksgiving edition of “Your Legacy Your Way” brought to you by Duncan Legal. We review a little portion of our last show on what are the “core” documents that make up a complete Estate Plan. Carolyn also stresses you never know when incapacity may come to your loved one. This is why we beg our listeners every week, make an appointment today and get your estate plan completed. We also talk about Trust and what protections they can provide. Carolyn says this is why she offers a free initial consultation, as it gives her a chance to explain what is best for each client and their individual situation. Carolyn says her motto is “Helping People Solves Life’s Puzzles.” Visit www.DuncanLegal.com and get your free Guide Estate Planning Basics”. Free half-hour consult call 303-394-2358.

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