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., explains why having an experienced guide can make such an important decision easier and less stressful. Just as a Sherpa helps travelers navigate unfamiliar and challenging territory, Jim helps people understand the Medicare journey one step at a time.
Whether you are approaching age 65, preparing to retire, already enrolled in Medicare, or helping a family member evaluate their choices, Jim can help you better understand your options. He discusses the importance of reviewing your individual healthcare needs, prescription medications, preferred doctors, travel habits, and budget before choosing coverage. Medicare is not one-size-fits-all, and the plan that works well for a friend or spouse may not be the right fit for you. Jim’s goal is to educate, answer questions, and help you make a confident, informed decision—without pressure. To learn more, attend one of Silver Sherpa’s free educational Medicare workshops. Visit www.Sherpa123.com⁠ to view upcoming workshop dates and reserve your place.
⛰️ 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:
Click here to listen

or Download: (Click here to listen and then right-click to download and select “save audio as”…)

Today’s Guests:
Allen Stack, Owner of Stack Optical joins us. Since 1968 Stack Optical has been serving Coloradans for all of their Optical needs. The onsite lab is huge benefit for our customers, we can turn around our orders in most cases in just 2-3 days. Allen says many Optical stores cannot help folks with difficult prescriptions, but at Stack Optical, that’s one of our specialties. Eye Exams are on $69! Check out the website at www.StackOptical.com. In our final segment Pastor Jeff Ayon of Crossview Baptist Church invites our listeners to First Responder Appreciation Sunday September 13th at 10:30am. Crossview Baptist Church is located at 8100 W Hampden Ave. Lunch will be served on the grounds after the service. A special gift for every First Responder. Please register at www.crossviewBaptist.org.

On this episode of Your Health Matters, Functional Nutritionist Elizabeth Mahnke of Integrated Health Systems discusses GLP-1 injections and whether they have a place in a healthy weight-loss plan. These medications have received tremendous attention for their ability to reduce appetite, improve blood-sugar control and help certain individuals lose weight. Elizabeth explains that GLP-1 medications can be valuable tools for some people—particularly those struggling with obesity, insulin resistance or related health concerns—but they are not a magic solution and should be used under appropriate medical supervision. Listeners will learn the keys to getting the greatest benefit from GLP-1 therapy. Proper nutrition remains essential, even when appetite is reduced. Eating enough protein, choosing nutrient-dense foods, staying properly hydrated and maintaining healthy digestion can help protect muscle mass and support long-term success. Exercise is equally important. Strength training helps preserve lean muscle, while regular walking and cardiovascular activity support heart health, mobility and metabolism. Elizabeth also explains why people should develop sustainable habits while taking these medications rather than depending solely on the injection. GLP-1 medications may help open the door to better health, but lasting results still require commitment. The best outcomes come from combining medical guidance with proper nutrition, regular exercise and realistic lifestyle changes that can be maintained over time. It’s always a free initial consult call 303-781-5617 or visit their website at www.IntegratedHealthDenver.com.

Listen:
Click here to listen

or Download: (Click here to listen and then right-click to download and select “save audio as”…)

Today’s Guests:
On this episode of Water Talk, Host Scott Whatley, and Paul the Waterman discussed a troubling Colorado water story involving approximately 4.2 million gallons of sewage spilling into the Arkansas River and moving downstream toward John Martin Reservoir. Incidents like this are an important reminder that water quality problems can travel far beyond where they begin, potentially affecting communities, wildlife and recreational areas along the way. The discussion also highlighted the contaminants that may be present in the water we use every day. PFAS—or “forever chemicals”—along with pharmaceutical residue, microplastics and other pollutants can create potential risks to your health. Even water that looks, smells and tastes clean may still contain contaminants that cannot be detected without proper testing. Fortunately, you do not have to guess about the quality of the water in your home. Water Pro’s can test your water, explain the results and recommend a treatment system based on your household’s specific needs. Protect your family and learn what may be hiding in your water. Call Water Pro’s today at 303-862-5554 for your FREE in-home water test and tell them Scott sent you.

Listen:
Click here to listen

or Download: (Click here to listen and then right-click to download and select “save audio as”…)

Today’s Guests:
On this episode of Legal Talk, host Scott Whatley sat down with Kevin Flesch of Flesch Law to talk about Driverless Cars Are Here — Who’s at Fault When There’s an Accident? Driverless cars have officially arrived in Denver, and with this new technology comes an important legal question: If there’s no driver behind the wheel, who is responsible when something goes wrong? Kevin discusses how autonomous vehicles like Waymo could change the way automobile accident claims are investigated and handled by insurance companies. In a traditional accident, determining fault usually focuses on the actions of the drivers involved. But what happens when a computer is doing the driving? Kevin discusses the potential roles of the autonomous vehicle company, vehicle owner, manufacturers, insurance carriers, other motorists, and even technology or equipment failures when determining liability. The conversation also covers what you should do if you’re involved in an accident with a driverless vehicle, including documenting the scene, gathering information, seeking medical attention when necessary, and protecting your legal rights. Technology may be changing who—or what—is behind the wheel, but determining fault, liability, and compensation remains critically important. Also, take a look at your Auto Policy, check your Med Pay amount and your UnInsured/UnderInsured, Kevin encourages to buy as much as you can afford. 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 the topic of: When Life Changes, Should Your Estate Plan Change Too? Creating an estate plan is an important step, but it shouldn’t necessarily be a “one and done” decision. On this episode of Your Legacy Your Way, Attorney Carolyn Duncan discusses why your estate plan should evolve as your life changes. Marriage, divorce, the death of a spouse, the birth of children or grandchildren, retirement, changes in health, buying or selling property, and significant financial changes can all be reasons to review your existing plan. Carolyn explains why it’s also important to periodically review the people you’ve chosen to serve as your personal representative, trustee, financial power of attorney, or medical decision-maker.
The conversation also covers beneficiary designations on retirement accounts and life insurance policies, protecting inheritances for younger beneficiaries, and what to consider if you’ve moved to Colorado with estate-planning documents prepared in another state. The key message: Your estate plan should represent your family, finances, wishes, and circumstances today, not the life you were living 10 or 20 years ago. Your Legacy Your Way helps you plan ahead, protect your family, and preserve the legacy you’ve worked hard to build. 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.

Listen:
Click here to listen

or Download: (Click here to listen and then right-click to download and select “save audio as”…)

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, Owner of e-Bike Of Colorado and host Scott Whatley invites our listeners to take advantage of the Segway Back to School Sale happening now at ebike of Colorado! Cargo Bikes are hot sellers and there are a ton of accessories available for your new cargo bike. There are several child seats available and “bike chariot” tow behind for kids or pets. Come out take a test ride on the trail system and you will get to see why it’s so important to truly test ride and make sure the bike fits you. 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’s “Listen Up” with Dr. Mellisa Fling. Q-tips were invented in 1923, as simple as they are, do we use them properly? Dr. Fling explains with improper use, yes you can damage your ear. Ear Wax removal is a great service provided by Custom Ear Solutions. We also discuss some studies that show untreated hearing loss significantly increases the risk of developing dementia. These studies show with the risk doubling for “mild” hearing loss and tripling for “moderate” hearing loss. Then when hearing loss is severe your risk increases fivefold. www.CustomEarSolutions.com.

In our final segment Pastor Jeff Ayon of Crossview Baptist Church invites our listeners to First Responder Appreciation Sunday September 13th at 10:30am. Crossview Baptist Church is located at 8100 W Hampden Ave. Lunch will be served on the grounds after the service. A special gift for every First Responder. Please register at www.crossviewBaptist.org.

Listen:
Click here to listen

or Download: (Click here to listen and then right-click to download and select “save audio as”…)

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., explains the value of working with an Independent Medicare Broker and why it doesn’t cost the client more. Jim discusses how every person’s Medicare needs are different based on their health, doctors, prescriptions, and individual circumstances—which is why choosing a plan simply because it works for a friend or relative may not be the best approach. He also explains that while some agents may avoid plans with low or no commissions, Silver Sherpa, Inc. helps clients explore all available options, regardless of commission, to find the program that best fits their needs. Learn more by attending one of Jim’s Educational Workshops and sign up at Sherpa123.com.

Listen:
Click here to listen

or Download: (Click here to listen and then right-click to download and select “save audio as”…)

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.

Autoimmune Disease & Your Brain Health – On this edition of Your Health Matters, Dr. Perry Maynard discusses the connection between autoimmune disease and brain health and why problems with the immune system can sometimes affect much more than we realize. Autoimmune conditions occur when the immune system mistakenly attacks healthy cells and tissues. Dr. Maynard explains how this abnormal immune response and the resulting inflammation can potentially affect the brain and nervous system, contributing to symptoms such as brain fog, fatigue, memory difficulties, trouble concentrating, headaches, and changes in mood or energy. The discussion also looks at the relationship between inflammation, gut health, the immune system, and the brain. Dr. Maynard explains why identifying what may be driving inflammation is an important part of evaluating patients experiencing neurological or cognitive symptoms. Listeners will also learn about the importance of proper evaluation, testing, nutrition, sleep, exercise, and managing stress. It’s always a free initial consult call 303-781-5617 or visit their website at www.IntegratedHealthDenver.com.

Listen:
Click here to listen

or Download: (Click here to listen and then right-click to download and select “save audio as”…)

Today’s Guests:
On this edition of Water Talk, Paul the Waterman welcomed special guest Mark Whitlach, a licensed professional in wastewater and water treatment, for an important conversation about Colorado’s water supply and where our water actually comes from.
The discussion began with the basics: What is an aquifer? Mark explained how underground layers of rock and sediment store and transmit groundwater and why these resources are so important to Colorado communities. Paul and Mark also discussed the major aquifers that make up the Denver Basin and how thousands of homes and wells depend on these underground water sources. The conversation also explored the critical role of water treatment plants in treating water and helping ensure it meets standards before reaching our homes. Could Colorado actually run out of water? Paul and Mark discussed the challenges created by drought, population growth, increased demand, and declining groundwater levels. For homeowners who rely on private wells, falling water levels can affect both water availability and potentially water quality. Knowing what’s in your water starts with testing. Call Water Pro’s today at 303-862-5554 for your FREE in-home water test and tell them Scott sent you.

Listen:
Click here to listen

or Download: (Click here to listen and then right-click to download and select “save audio as”…)

Today’s Guests:
On this episode of Legal Talk, host Scott Whatley sat down with Kevin Flesch of Flesch Law to talk about “Personal Injury”, law and while many people immediately think of car accidents, personal injury claims can arise from numerous circumstances, including truck and motorcycle crashes, slip-and-fall accidents, dog bites, unsafe property conditions, defective products, nursing home negligence, and even wrongful death cases. Personal injury law covers a wide range of situations where someone suffers harm because of another person’s negligence, recklessness, or wrongful conduct. A personal injury case is not limited to visible injuries such as broken bones. Victims may also experience traumatic brain injuries, neck and back injuries, chronic pain, emotional distress, lost wages, reduced earning capacity, and ongoing medical expenses. The impact of an injury often extends far beyond the initial accident and can affect a person’s health, finances, and quality of life for years. The purpose of a personal injury claim is to help an injured person recover compensation for losses caused by someone else’s actions. This may include payment for medical treatment, future care needs, lost income, pain and suffering, and other damages. Understanding what qualifies as a personal injury claim is important, as many people may have legal rights they are unaware of following an accident or injury.

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 why adults of all ages can benefit from having a properly prepared estate plan. Whether you own a home, have children or grandchildren, run a business, have retirement accounts, or simply want to make things easier for the people you love, planning ahead can provide valuable direction and peace of mind. Carolyn discusses important estate-planning documents, including wills, trusts, powers of attorney, and advance medical directives. She also explains why beneficiary designations should be reviewed regularly and how an outdated or incomplete plan can create unnecessary confusion, expense, and family conflict. Estate planning isn’t only about what happens after you pass away. It’s also about protecting yourself during your lifetime by making sure trusted people are authorized to handle financial or healthcare decisions if you become unable to do so.
The message is simple: estate planning is about preparation, protection, and leaving clear instructions for the people who matter most. 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.

Listen:
Click here to listen

or Download: (Click here to listen and then right-click to download and select “save audio as”…)

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, Owner of e-Bike Of Colorado and host Scott Whatley talk about an exciting week as they had a video film crew at the store we came out and did some interviews, and it just shows the growth and popularity of e-bikes are truly exploding. There so much misinformation and or assumptions about e-bikes, that’s why we have “Just Try It”, to educate and dispel many of the myths about e-bikes. Randy’s says this proves e-bikes are not a fad. Ebikes are fun, they are helping so many people, especially those over 60 to be able to get out, get some exercise, and yes, feel like a kid again. There are some great sales going on including the Segway Back to School Sale. The State of Colorado is still offering the $225 Rebate and on some models, the store is matching that Rebate, so a total of $450 off of your purchase at the time of sale. Come out take a test ride on the trail system and you will get to see why it’s so important to truly test ride and make sure the bike fits you. 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 stopped by our friends at D Hand Full Service Car Wash & Detail Center – Smoky Hill location. Are you ready for your vehicle to look brand new again? Does your interior need the professional cleaning? Today, owner Aldrick Carrasco joins us and talks about their different Packages and if your vehicle needs a complete detail, the folks at D Hand are ready to help. I have been having our vehicles cleaned at D Hand for 2 years and they are amazing! We also have a great testimonial who has been using D Hand for a very long time, you will why we love the team at D Hand! Stop by today 15201 E Smoky Hill Dr. and tell them Scott sent you.

Listen:
Click here to listen

or Download: (Click here to listen and then right-click to download and select “save audio as”…)