Today’s Guests:
Today Attorney Kevin Flesch with Flesch & Beck Law talks about DUI’s (Driving Under the Influence). Kevin says his first recommendation is to have a plan when you go out. A first time DUI charge can run from $10,000.00 – $12,000.00. There are some huge “Do’s & Don’ts” when you get pulled over by the Police. Kevin shares his advice and stresses “Don’t Drink and Drive.” You absolutely do not want to try to represent yourself with a DUI Charge. It’s always a free consultation at Flesch & Beck Law Firm. Call Kevin today at 303-806-8886 or visit their website at www.fleschlawfirm.com.

In our next segment, Jim & Debbie Fraser with IV Nutrition in Centennial. Debbie shares her own personal story and how IV Nutrition therapy gave her a new life. Dr. Tara from the Ft. Collins location, also joins us and shares some great insights to IV Therapy. Get by the Centennial location and tell them Scott sent you and save 20% on your IV therapy. Get by the Centennial location and tell them Scott sent you and save 20% on your IV therapy. Check out the website at: www.ivnutrition.com/locations/denver-centennial-co/

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Today’s Guests:
It’s the “Just Try It” Radio Show brought to you by e-Bike of Colorado! On today’s episode, Owner Randy Caranci joins us and says now is the time to come out to the store and take a test ride. Today we discuss some of the more extreme e-bikes for riding the trails in the mountains. Here is some information on an upcoming event.

Dear E-bike Enthusiasts, Thank You & Join Us for Mountain Bike Monday!
We extend our gratitude to all who joined us for our inaugural Mountain Bike Monday last week! We invite you to join us again this week for an exhilarating trail ride. Bring your family and friends along for what promises to be an unforgettable event!
See you on the trails, E-Bike of Colorado
Event Details:
• Date: July 8th, 2024 (Tomorrow)
• Location: Erie Singletrack, 2100 WC Rd 5, Erie, CO 80516
• Time: 3 P.M. – 6 P.M.
• Activities: Enjoy guided rides, test rides of our latest electric mountain bikes, and connect with fellow riders who share your passion for e-biking.

Check out the website at www.ebikeofColorado.com. If you are in the market for an EBike or would just like to know more about them, come visit EBike of Colorado 544 Front St downtown Louisville.

In our second half hour it’s Scott Henke, Owner of Onsite Consulting joins us and gives everyone a huge warning on Internet Scams. Scott gives a lot great tips and insights on how easy it is to get scammed. Scott offers some discounts to our Haystack listeners on getting refurbished computers (1 year Warranty) and some discounts on service. Also, Scott gives some news on Windows 11 and how it could affect your computer. Onsite Consulting was voted best IT Company in Denver.

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Today’s Guest:
If you’re even curious about refinancing your mortgage, this 1-hour jam packed episode of The Your Money Matters Radio Show is for you! Kurt Rogers, Managing Broker at Affordable Interest Mortgage covers it all!

Here’s the highlights:
Kurt provides a brief statement about the NAR – National Realtors Association Settlement and the changes to how homes are sold and the paperwork that is required, which goes into effect on August 15, 2024.

Kurt also talks about in detail the “6” main areas of focus that you should be concentrating on if you are thinking about a mortgage refinance:
1. Your Credit Score
2. Equity – debt on hour home vs the appraised value
3. DTI – Debt to Income and the “ratio”
4. Proof of Reliable Income
5. Property Value as determined by an Appraiser through AMC
6. Reserves – funds available in bank accounts

He also provide detailed answers to the following “10” MOST COMON QUESTIONS that my customers are asking me. Perhaps you have the same questions:
Question #1: Many homeowners have mortgage interest rates in the 4% range, does it ever make sense to refinance?
Question #2: Is now a good time to buy or should I wait until rates come down?
Question #3: How much do I save if the rates go down half a point?
Question #4: Why should I use a mortgage broker versus a bank?
Question #5: When should I pay points to get a lower mortgage interest rate?
Question #6: With the value of homes up, along with the mortgage interest rates up, how can you help someone qualify for a home?
Question #7: What’s the best loan for me?
Question #8: Is there a time when paying mortgage insurance is better?
Question #9: Where do you see mortgage loans and the housing market will be by the end of year?
Question #10: If someone is thinking about refinancing or purchasing a home either now or when rates come down, what should they do prior to save the most – get the best rate and have the process go smoothly?

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.

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Today’s Guests:
Randy Caranci, Owner of eBike of Colorado joins us to talk about a special event being held at the Erie Single Track today from 2-5pm. There will be guided rides, test rides of the latest EBikes, and a chance to connect with fellow EBike riders. Tune in to Just Try It, every Wednesday from Noon-12:30 on KLZ 560AM. Check out the website at www.ebikeofcolorado.com.

Then Dave Hart with Roof Savers of Colorado joins us to talk about the Roof Maxx treatment that can possibly save you from replacing your roof at this time. While Dave can absolutely help you if your roof does need to be replaced, his goal is to save your roof! Roof Savers of Colorado is a Member of the Haystack Help Home Team.

In our last half hour it’s Your Health Matters with Dr. Shane Steadman. Today Dr. Steadman defines Functional Medicine. Dr. Steadman says rather than treating symptoms, as traditional medicine tends to do, functional medicine seeks to find the root cause so that disease is not triggered or allowed to flourish. “Why are sick? That is the question we strive to answer at 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 Guest:
Paul Dowding, Owner of Water Pros explains more about the contaminants in our water. Contaminants of Emerging Concern (CECs) are chemicals and toxic substances that may be found in water and can impact human health or the environment. They are not currently regulated and can come from a variety of sources, including: Everyday products: Pharmaceuticals, personal care products, fragrances, cosmetics, sun-screen products, diagnostic agents, dietary supplements, and detergents Human waste: CECs are often large, complex compounds found in low concentrations. Water Pros offers a free in home water test, call 303-862-5554. Also, a free service inspection of your current system. Now is the time to take control of your water quality. Check out the website at www.waterpos.net.

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Today’s Guests:
Today Attorney Kevin Flesch with Flesch & Beck Law talks about the “Criminal Prosecution Challenges”. Kevin breaks it down from the initial arrest to the possible trial. As with most Legal charges, seeking Legal advice immediately from an Attorney in that field of practice can prove to be crucial. It’s always a free consultation at Flesch & Beck Law Firm. Call Kevin today at 303-806-8886 or visit the website at www.fleschlawfirm.com.

In our next segment, Jim & Debbie Fraser with IV Nutrition in Centennial. Debbie shares her own personal story and how IV Nutrition therapy gave her a new life, Get by the Centennial location and tell them Scott sent you and save 20% on your IV therapy. Check out the website at: www.ivnutrition.com/locations/denver-centennial-co/

In our last half hour, Dave Hart with Roof Savers of Colorado joins us to talk about the Roof Maxx treatment that can possibly save you from replacing your roof at this time. While Dave can absolutely help you if your roof does need to be replaced, his goal is to save your roof! Roof Savers of Colorado is a Member of the Haystack Help Home Team.

Listen:
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Today’s Guests:
It’s the “Just Try It” Radio Show brought to you by e-Bike of Colorado! On today’s episode, we are broadcasting “live” at EBike of Colorado and visit with Owner, Randy Caranci. They are the largest retailer in Colorado of E-bikes. On today’s episode, Randy discusses some of the great deals available now! As a reminder EBike of Colorado works on all type of bikes, not just e-bikes. Randy also discusses what you can expect when you visit his store, there is no pressure to buy! “Just Try It”, can be heard every Wednesday Noon-12:30, and we encourage to get over to the store and take a test ride. Check out the website at www.ebikeofColorado.com. If you are in the market for an EBike or would just like to know more about them, come visit EBike of Colorado 544 Front St downtown Louisville.

Then it’s Mark Witte and Tod Masters join us with Dryer Vent Wizards in Castle Rock. We had them out to our home a few weeks ago and Tod did an outstanding job! Each year there are almost 14,000 home fires caused by clothes dryers. About 27% of those caused by accumulated lint. Call 720-677-2555 mention Haystack Help Radio and get $20 off of your cleaning.

In our final segment, Allen Stack with Stack Optical is with us. Stack Optical has been providing the most comprehensive, quality ocular care for our Denver patients for over 55 years. Allen says our family-owned business is proud to be one of the few optical offices that have our own on-site eyeglass production and eyeglass repair studio. Today Allen talks about “Tints”, he explains all the benefits with using different color lenses. Also, Stack Optical can handle those tough prescriptions. With their on-site lab they can handle all repairs and normally make your custom new glasses in just a couple of days. Stack Optical offers an eye exam for on $69.00. Check out www.stackoptical.com.

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Today’s Guest:
On this episode of Your Money Matters, Kurt Rogers, Managing Broker at Affordable Interest Mortgage is with us to to explain why it is better to use a Mortgage Broker than even a large bank. Kurt also tells of a current client that had a 2.2% mortgage rate, that refinanced, paid off all his debt, and now is saving $2000.00 per month. Yes, his rate is higher, but listen how this client can pay off his 30 year, new mortgage in 17 1/2 years. 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.

Be sure to tune in every Tuesday at Noon – 1PM on 560AM KLZ for The Your Money Matters Radio Show. I am proud to be the exclusive Mortgage Broker for The Haystack Help Radio Home Team!

Then, our special guest Phil Wilson, Owner of Certa Pro Painters joins us to talk about his company and the Certa Pro way of doing business. We also take a few calls from a couple of Certa pro happy customers. Save $200 on any project over $2000 when you mention Haystack Help radio.

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Today’s Guests:
Scott Henke, Owner of Onsite Consulting joins us and gives everyone a huge warning on Internet Scams. Scott gives a lot great tips and insights on how easy it is to get scammed. Scott offers some discounts to our Haystack listeners on getting refurbished computers (1 year Warranty) and some discounts on service. Also, Scott gives some news on Windows 11 and how it could affect your computer. Onsite Consulting was voted best IT Company in Denver.

Then it’s Your Health Matters brought to you by Integrated Health Systems. Today, Dr. Perry Maynard talks about concussions and how they must be taken seriously. Dr. Maynard says whether it’s an Auto Accident, a fall, sports injury you should seek medical attention. 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 Guest:
Paul Dowding, Owner of Water Pros delivers a lot of information on today’s show. It seems like every week there are more news stories and articles in National Publications about the dangers in our water. Paul the Waterman dives in again this week and shares these facts. There are many possible sources of contamination, including:
• Sewage releases
• Naturally occurring chemicals and minerals (for example, arsenic, radon, uranium)
• Local land use practices (for example, fertilizers, pesticides, livestock, concentrated feeding operations)
• Manufacturing processes (for example, heavy metals, cyanide)
• Malfunctioning on-site wastewater treatment systems (for example, septic systems)
In addition, drinking water that is not properly treated or that travels through an improperly maintained distribution system (pipes) may also create conditions that increase risk of contamination. Take control of your water quality, call Water Pros today for your free in home water test, call 303-862-5554. Check out the website at www.waterpos.net.

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