Today’s Guests:
On this week’s Your Money Matters Radio Show, Kurt focused on three strategies buyers should understand in today’s market, Seller Concessions, Bridge Loan Options, and Loan Programs. Smart strategy makes all the difference in 2026. Call Kurt 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 Medicare & More with Jim Garey, Owner of Silver Sherpa Inc. On this week’s Medicare & More Show, Jim Garey, Founder of Silver Sherpa, Inc. is joined by LTC expert Alex Fekete to break down one of the most overlooked risks in retirement—Long-Term Care.

💡 Medicare does NOT cover Long-Term Care, including:
✔️ Nursing homes
✔️ Assisted living
✔️ Memory care
✔️ In-home care

📊 The reality:
Only ~7% of people over 65 have coverage… yet over 70% will need care. That gap can be costly.

💰 In Colorado, nursing home care already averages $128K/year—and rising fast.

📞 Real callers joined the show:
➡️ Can IRA/401(k) funds be used for LTC? Yes—there may be smart strategies
➡️ Is it too late to qualify at 64 with health issues? Not always—but waiting reduces options
➡️ Families often face confusion during claims—planning ahead makes all the difference

🔑 Key takeaway: LTC planning isn’t just for retirees—it’s for anyone 40+ who wants to protect their future and their family.

🤝 Why Silver Sherpa?
✔️ Independent guidance (no cost to you)
✔️ Personalized plans for YOUR situation
✔️ Help beyond Medicare—including LTC planning

⛰️ Don’t climb Mt. Medicare alone.
Visit www.Sherpa123.com and click on the Events tab to reserve your seat at an upcoming Educational Seminar. If you’re turning 65 in 2026, it’s never too early to learn your options. Many people today are facing unexpected layoffs and weren’t planning on making Medicare decisions yet. Jim addresses these real-life situations during the free workshops so you can make informed, confident choices.

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Today’s Guests:
Allen Stack, Owner of Stack Optical. How long has it been since you have had an Eye Exam? Allen has kept his price $69 for your complete exam. A “contact exam” is $99.00. If you own glasses probably they have needed repaired at one time or the other. Stack Optical can handle all of your needed repairs. The ne thing Allen warns against using is super-glue, DO NOT use it, just some tape. Tints, Allen explains some different tints and what works best in different settings, like for golf, hunting, skiing, shooting etc. Stack Optical specializes in hard Prescriptions, with their onsite lab, you will have your glasses in most cases 3-4 days. Sunglasses, Contacts, Eyeglasses. Check out the great Google reviews at www.StackOptical.com.

Then it’s Your Health Matters brought to you by Integrated Health Systems. Today, Dr. Shane Steadman talks about Auto Immune Diseases. Dr. Steadman explains this proper diagnosis takes time. Dr. Steadman dives in to explain Auto Immune conditions, what triggers it, common symptoms, treatments and testing at Integrated Health Systems. While Auto Immune conditions can’t be cured, with proper treatment they can be managed. 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 explains that Colorado is the “headwaters” state for much of the western and central United States. That means that most of its rivers begin in the Rocky Mountains and flow across state lines. Four of the nation’s major rivers originate in Colorado: the Arkansas, Colorado, Platte, and the Rio Grande. Only the Green River, the Little Snake River, and Costilla Creek flow into the state, and then only for short stretches.

Rivers are the predominant water source for Coloradans. This water is highly prized because it starts as pristine high-quality snowmelt, not yet used and reused by others. Colorado has nine major river basins, which include the Arkansas, Colorado, Gunnison, North Platte, Republican, Rio Grande, South Platte, Dolores/San Juan/San Miguel, and the Yampa/White/Green. Each basin relies on a mixture of rain, snow and groundwater to fill its rivers and creeks. Likewise, each basin hosts a distinct range of water uses that help shape Colorado’s overall identity. Paul explains if drought and climate change continue to sap the river’s flows, and a legal crisis erupts with downstream states, six of the state’s eight major river basins could be forced to give up water. The Front Range and Eastern Plains are most vulnerable if shortages hit the river downstream and could lose as much as 97 percent of their Colorado River supplies.

Also, Well Water customers already have experienced running low on water, effecting their water quality. Call Water Pro’s today for your free in home water test, call 303-862-5554.

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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 discuss wrongful death claims in Colorado an important but difficult topic for many families. Kevin explains that a wrongful death occurs when someone loses their life due to another party’s negligence, recklessness, or intentional actions. Common cases include car and trucking accidents, medical malpractice, workplace incidents, and defective products. While criminal charges may arise, wrongful death claims are civil cases that allow families to seek justice independently. Kevin outlines who can file a claim in Colorado, noting the importance of timing and the legal hierarchy of eligible family members. The conversation also covers the types of damages available, including economic losses like income and benefits, as well as non-economic damages such as grief and loss of companionship—though these may be subject to legal caps. He also explains the difference between wrongful death claims and survival actions. Kevin also emphasizes the importance of acting quickly, preserving evidence, and avoiding early insurance settlements. With a typical statute of limitations of two years, having experienced legal guidance is critical to protecting a family’s rights and pursuing fair compensation.

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 some of the most important—and often overlooked issues families face when planning for the future. She explains how beneficiary designations override a will or trust, making it critical to keep everything aligned to avoid unintended outcomes. Carolyn also shares how proper planning can reduce family conflict, especially in blended families, by clearly outlining wishes and choosing the right executor or trustee. On the financial side, Carolyn discusses strategies to help protect assets, including planning for long-term care and understanding the Medicaid 5-year look-back rule. She also offers practical ways to ensure children or heirs manage inheritances responsibly.

Carolyn highlights the importance of incapacity planning, explaining the risks of not having financial and medical powers of attorney in place. She emphasizes that estate planning isn’t just for the wealthy even young adults need basic documents once they turn 18. The first step is simply getting started. 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”.

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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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Today’s Guests:
On this week’s Your Money Matters Radio Show, Kurt focused on Reverse Mortgages with guest Mike Genova. 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., encourages our listeners that are turning 65 this year, to sign up for one of their Educational Workshops. We point out that there is no selling at these workshops, simply information, and a time for attendees to ask questions. Due to this weekend – Easter Sunday, Resurrection Sunday Jim devotes a lot of the show to challenge us to remember this weekend is not about Easter Eggs or the Easter Bunny, but rather Christ dying on the cross for our sins and on the 3rd day He arose. Jim shares some great scriptures for us all to hear and apply to our lives this week.

If you are turning 65 this year, this is truly a must-listen episode.
🎓 Educational Medicare Seminars:
✔️ Clear explanations of Medicare Parts A, B, C & D
✔️ Designed for those turning 65 in 2026
✔️ Help for those retiring or losing group coverage
✔️ No pressure, no obligation — just education
✔️ Your personal questions answered in a welcoming setting
👉 Registration is required
Visit www.Sherpa123.com and click on the Events tab to reserve your seat at an upcoming Educational Seminar.

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Today’s Guests:
Scott Henke, Owner of Onsite Consulting joins us and talks about some recent “glitches” with Apple and Microsoft. Scott says Outlook and Teams was shutting down Outlook. There was one update, Windows 11 that made computers in operable. Onsite Consulting has won top IT Company for the last several years and the assist not only residential consumers but also can help businesses cut IT cost with their services.
Scott also talks about some tips to avoid scams, first Scott says don’t trust anyone! Don’t let anyone you do t know personally remote in to your computer. Onsite Consulting offers great deals on refurbished computers, just mention Haystack Help Radio.

Then it’s Your Health Matters, brought to you by Integrated Health Systems. Today nurse Practitioner Sharon Blumenthal talks about all the benefits of IV Therapy. Sharon also encourages listeners to come in and get a good blood panel done, get a baseline, and now is the time to take control of your health. The team at Integrated Health Systems is devoted to finding the cause of your medical condition, not just treating the symptoms. 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 focuses on the growing concern surrounding microplastics and their impact on everyday health. Scott Whatley is joined by Paul “The Waterman” Dowding, who explains that while microplastics are gaining attention now, they have been present in the environment for years. Microplastics are tiny plastic particles—less than 5 millimeters—formed either intentionally for products like cosmetics or through the breakdown of larger plastics over time. Because plastic never fully disappears, it continues to fragment into smaller, harder-to-detect particles.

Paul highlights that exposure is widespread, occurring through drinking water, food, and even the air we breathe. Water is a major source of daily exposure, making it especially important to address. He also emphasizes that infants and young children may be more vulnerable due to developing systems and early exposure through bottles, formula, and even prenatal pathways.

While research on long-term health effects is ongoing, concerns include the accumulation of microplastics in the body and their ability to carry harmful toxins. Paul encourages practical steps such as reducing plastic use and avoiding heating food in plastic, but stresses that treating household water is one of the most effective actions. He recommends filtration systems like reverse osmosis and offers free in-home water testing to help families take control of their water quality. Call today for your free in home water test 303-862-5554.

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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 break down the fundamentals of criminal charges and what listeners need to understand if they ever face one. Kevin explains that a criminal charge is simply a formal accusation—not a conviction and emphasizes the importance of taking every charge seriously from the very beginning. The discussion outlines the three levels of charges: felonies, misdemeanors, and infractions, each carrying different levels of severity and penalties. Kevin also walks through the major categories of crimes, including offenses against people, property crimes, drug offenses, white-collar crimes, statutory violations like DUI, and inchoate crimes such as attempts or conspiracy. Listeners gain practical insight into common real-world charges like DUI, domestic violence, and theft, along with the serious consequences that can follow even from seemingly minor offenses. Kevin highlights how charges can impact employment, housing, and personal rights, stressing that early legal representation is critical. The episode closes with clear advice: never speak to law enforcement without an attorney and seek qualified legal help immediately. Having an experienced attorney willing to go to court can significantly influence the outcome of a 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.

On this episode of Your Legacy Your Way, Attorney Carolyn Duncan of Duncan Legal talks about the essentials of estate planning and why it’s important for every adult—not just the wealthy. She explains that estate planning is about protecting your wishes, your assets, and most importantly, your family. Carolyn outlines what happens in Colorado when someone passes away without a will or trust, often leading to court involvement, delays, and added expense. She highlights the core documents everyone should have in place, including a will, trust, and powers of attorney, and clearly explains the differences between a will and a trust. Carolyn also addresses common real-life questions, such as whether a will is still needed if you have a trust, and the costly mistakes families often make after losing a loved one. She emphasizes the importance of keeping your plan updated as life changes. 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 are live from the 2026 Mile High Hunt & Fish Exp – Randy Caranci, Owner of EBike of Colorado and Host Scott Whatley sit down with Segway Executive Director Nick Howe. Nick shares the Segway story. “We’re committed to entering the e-bike market in a big way and doing it right,” said Nick Howe, head of e-bike. “This means doing something new and different with both our products and our sales model. We see an opportunity to redefine the e-bike and micro-mobility product categories and return to a true dealer-centric sales model in the process.” Howe, who joined Segway in the summer of 2024 and was tasked with building out the division, has more than 25 years of experience in the bike industry, including as the executive director of Orbea and global brand director of Trek and has owned and operated several bike shops in Colorado. “Segway recognized that the bike industry is a different animal,” he said. “And senior leadership knew that we were going to need a talented team with experience in that world to be as successful with e-bikes as we are with our other product lines.” Ebike of Colorado displayed a new Segway model that has never been seen here at the Expo. “Just Try It”, come take a test ride and feel like a kid again! EBike of Colorado is open 7 days a week from 10-7pm daily. Check out the website at www.EbikeofColorado.com.

Then it’s “Listen Up” with our Audiologist, Dr. Melissa Fling, and Owner of Custom Ear Solutions. In today’s show, Dr. Fling brings her passion and knowledge for protecting your hearing. 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 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! Stop by today 15201 E Smoky Hill Dr. and tell them Scott sent you.

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