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.

Then it’s Medicare & More with Jim Garey from Silver Sherpa. On today’s show, Jim Garey joins us and recaps the last several weeks of the AEP, (Annual Election Period. This was the time for all of those who are currently enrolled on Medicare to make any necessary change for 2026. Jim says there was so much confusion, but thanks to the Silver Sherpa team they were able to help hundred of clients select the right plans and in many cases saving them money. Now Jim ask “when are you turning 65? If you are turning 65 between now and June call Silver Sherpa Inc today. Their services are at no charge as the insurance companies pay the commissions. Don’t try and navigate the Medicare journey on your own, mistakes can be very costly. 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.

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:
Scott Henke, owner of Onsite Consulting breaks down one of the most common and costly consumer computer scams today — the tech support scam. These scams often start with fake pop-ups, phone calls, texts, or emails pretending to be from companies like Microsoft or Apple, claiming your computer is infected or hacked. The goal is to create fear and urgency so victims give remote access, pay for fake services, or unknowingly install malware. Scott emphasizes that legitimate tech companies never reach out proactively about computer problems. If you receive one of these messages, hang up, close the pop-up, and delete the message immediately. If remote access was granted, it’s critical to remove the software and change passwords right away — especially for email, financial accounts, cloud storage, social media, and phone accounts. Strong, unique passwords and quick action are key to preventing identity theft and financial loss.

Then it’s Your Health Matters brought to you by Integrated Health Systems. Today Dr. Perry Maynard talks about some of the Services they offer with a variety of Medical conditions. Dr. Maynard talks about ADD/ADHD, Autoimmune Conditions, Stress and Sleep Disorders, IV Therapy. The team at Integrated Health Systems all work together for their patients. It’s always a free initial consultation call 303-781-5617. Visit their website at www.IntegratedHealthDenver.com.

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Today’s Guest
Dr. Grant Bailey, Cardiologist with South Denver Cardiology joins us today to talk about Heart Disease which is the leading cause of death in the United States. Dr. Bailey talks about prevention, some tests and scans that are available at SDC. With heart disease, family history can dictate when you should see a cardiologist. This is a great interview with important facts about Heart Health.

Then it’s Water Talk brought to you by Water Pro’s. Dr. Bailey spent a few minutes with us as microplastics in our water are showing up in patients arteries. Dr. Bailey highly recommends a R/O system,( Reverse Osmosis) for your home. Dr. Bailey says our food and water is contaminated, take control of your Water Quality, call Water Pro’s today 303-862-5554.

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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 interviews Victoria Whatley, Scott’s wife and a recent happy customer of e-bike Of Colorado on her buying experience from beginning to end at the Louisville location. This is a fun half hour conversation with Randy and Victoria. At e-bike Of Colorado their goal is to find you the right bike, not sell you a bike, they found Victoria the “right” e-bike for her riding level. Check out the website at www.EbikeofColorado.com.

Then it’s “Listen Up” with our Audiologist, Dr. Melissa Fling of Custom Ear Solutions. Today Dr. Melissa Fling gives some insights on when you need to seek medical attention when it comes to your ears and hearing. 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 it’s Will Bruner, Pet Behavioral Specialist at Lone Tree Veterinary Medical Center. Will shares some great tips and insights on his training philosophy. Look there is a lot to consider when you get a dog of any age. The proper training is crucial, for the dog and yes the Owner. Will offers a variety of classes. Whether your pet needs medical, dental, or surgical care, grooming or boarding, all of your pets needs can be conveniently provided at Lone Tree Veterinary Medical Center. Check out the website at www.lonetreevet.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. 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 Nurse Practitioner, Sharon Blumenthal joins us as we discuss Diabetes as November is Diabetes Awareness Month. Sharon also talks about the importance of being pro-active with your health care. It is very important to get a full physical annually with bloodwork. We also discuss IV Therapy that is available at Integrated Health Systems. IV Therapy can also be a big help for your immune system. 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 “The Waterman” Dowding, Owner of Water Pros, tales the mic to host the show to bring you a ton of information about your water and how upgrading to a water filtration system can drastically improve your health and wellbeing. From microplastics to contaminants, your gonna love how it’s all eliminated with a Water Pros system. Call Water Pro’s today for your free Water Test! Call 303-862-5554.

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Today’s Guests:
Attorney Kevin Flesch of Flesch Law and Host Scott Whatley outline the most common and most avoidable legal problems that tend to escalate between Thanksgiving and New Year’s. Kevin explains that the holiday season brings unique pressures with travel, stress, alcohol, large family gatherings, and busy retail environments — all of which contribute to a spike in criminal and personal-injury cases. A key focus is Holiday Legal Landmines, where Kevin breaks down the rise in DUI and DWAI arrests, misunderstandings about BAC limits, prescription-medication impairment, and what really happens during a traffic stop. He also highlights how domestic disputes intensify during the holidays and why even minor conflicts can quickly turn into criminal cases. Kevin touches on theft and shoplifting misconceptions common during Christmas shopping, as well as the growing problem of social media posts that damage people’s criminal cases. He also discusses social host liability, explaining what party hosts are legally responsible for when serving alcohol or supervising minors. Additional holiday-season risks include winter slip-and-fall injuries, unsafe property conditions, and the increase in car crashes during year-end travel. Kevin provides practical guidance on collecting evidence, dealing with insurance companies, and knowing when to call an attorney.
Overall, the interview equips listeners with timely, real-world legal insights to help them avoid preventable trouble during the holiday season. 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. Carolyn continues talking about the new wonderful benefit for Duncan Legal clients, which will be a 360 Review of your Estate Plan. Carolyn realizes life changes quickly and many times unexpectedly. So to help her clients keep their documents up to date, today’s show will explain how now it will be easier than ever to keep your Estate Plan up to date. Attorney Carolyn Duncan says “life changes” like a marriage, divorce, birth or adoption of a child, death of a loved one or a move out a State are some reasons to possibly update your plan. In addition, Carolyn talks about how 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. Carolyn and Scott also cover the details of a special needs trust and revocable and irrevocable trusts. So much incredible and helpful information. 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 introduces Nadine Stein National Sales Manager with Orbea. EBike of Colorado is proud to offer the Orbea brand known as a Premium bike brand. They are known for their high quality performance focused road, mountain bike and e-bikes.This is really of fun conversation to learn about this amazing company. Remember, 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. If you have an HSA get in before Dec 31st for your hearing exam. Call today for your hearing exam 720-839-7705 and check out the website at www.CustomEarSolutions.com.

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