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., and Host Scott Whatley cover Part 2 of their discussion about the growing interest in GLP-1 medications and what Medicare beneficiaries should understand. These medications have gained national attention for their effectiveness in treating Type 2 diabetes and, in some cases, supporting weight loss. Jim explains that while Medicare has expanded coverage for certain GLP-1 drugs, eligibility depends on the specific medication, the patient’s medical condition, and the reason it is prescribed. The discussion emphasizes that beneficiaries should never assume a medication is automatically covered. Medicare Part D plans can differ significantly in their formularies, prior authorization requirements, and out-of-pocket costs. Jim encourages listeners to review their current prescription drug coverage annually, especially if they are considering a GLP-1 medication or have experienced changes in their health. The program also highlights the importance of working closely with both your physician and a knowledgeable Medicare advisor to understand your options. By staying informed and reviewing your coverage each year, Medicare beneficiaries can make confident decisions that help maximize benefits while minimizing unexpected expenses.

⛰️ 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! 😊

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Today’s Guests:
Allen Stack, Owner of Stack Optical joins Host Scott Whatley. Since 1968 Stack Optical has been serving Coloradans for all of their Optical needs. Allen says his onsite lab is a huge benefit for his customers, we can turn around our orders in most cases in just 2-3 days. A big problem a lot of people have is finding an Optical store that can help with difficult prescriptions, but at Stack Optical, that’s one of our specialties. Eye Exams are on $69! This half hour we cover a lot of topics with Allen so listen in and you will see why we say, “At Stack Optical, you will see the difference. Check out the website at www.StackOptical.com.

Then it’s Your Health Matters brought to you by Integrated Health Systems. Today, Dr. Shane Steadman explains “punch biopsy”. This is a new test they are now offering and Dr. Steadman explains what patients can benefit from this test. We will walk you through the process, results and treatment plans. 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 edition of Water Talk, brought to you by Water Pro’s, Paul “The Waterman” Dowding, Owner of Water Pros and Host Scott Whatley,
continue to educate listeners on one of the most important topics for every family—clean, healthy water. This episode focused on the quality of the water flowing into our homes and why not all water is created equal. Paul explained that while municipal water is treated to meet government standards, it can still contain contaminants such as chlorine, disinfection byproducts, PFAS (“forever chemicals”), pharmaceuticals, microplastics, and other emerging pollutants. Understanding what may be in your water is the first step toward protecting your family’s health. The discussion also covered the differences between water softeners, reverse osmosis systems, and whole-house filtration, helping listeners understand which solutions address specific water quality concerns. Paul emphasized that every home has unique water conditions, making proper testing an essential part of selecting the right treatment system. Rather than relying on guesswork, Water Pro’s encourages homeowners to have their water evaluated and to make informed decisions based on accurate information. Clean water impacts everything from drinking and cooking to bathing and protecting plumbing and appliances. For trusted advice and customized water treatment solutions, contact Water Pro’s and let Paul “The Waterman” help you enjoy cleaner, healthier water every day. Call 303-862-5554 for your free in home water test, tell them Scott sent you.

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Today’s Guests:
On this episode of Legal Talk, brought to you by Flesch Law, Attorney Kevin Flesch joins Scott Whatley to talk about a recent case, where he was able to get a great result for his client. “Trial Tested Trial Ready”, is not just a slogan at Flesch Law. Kevin also talks about the former Colorado Bureau of Investigation (CBI) forensic scientist, Missy Woods, accused of mishandling DNA and impacting more than 1,000 cases has been charged with 102 felonies. Kevin has an actual client who was impacted by this case. Then Personal Injury is our discussion topic, from choosing the right Attorney, to helping clients get treatment. 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 edition of Your Legacy, Your Way, Attorney Carolyn Duncan of Duncan Legal addressed three of the most common questions people have about estate planning and dispelled several misconceptions that often keep families from planning ahead. Carolyn explained that estate planning is much more than deciding who inherits your assets after you’re gone. A comprehensive estate plan protects your loved ones, clearly documents your wishes, prepares for the possibility of incapacity, and provides peace of mind knowing important financial and healthcare decisions have been addressed. One of the biggest myths Carolyn discussed is that estate planning is only for wealthy individuals. She emphasized that every adult can benefit from having an estate plan, regardless of income or the size of their estate. Whether it’s naming guardians for minor children, appointing someone to make financial or medical decisions, or ensuring your wishes are honored, planning ahead helps avoid unnecessary complications and uncertainty. The conversation also covered what happens when someone dies without a will. In Colorado, state intestacy laws determine how assets are distributed, which may not reflect an individual’s personal wishes. Carolyn explained that dying without a will can create delays, increase costs, and even lead to disagreements among family members. By taking the time to create an estate plan, families can gain clarity, reduce stress, and ensure their legacy is passed on according to their own wishes rather than state law. 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, Randy Caranci, Owner of e-Bike Of Colorado and host Scott Whatley talk about a new bike from Orbea, it’s the Wild TR! Randy shares some information on it as well as other premium bikes you will find at eBike of Colorado. The State of Colorado is still offering the $225 Rebate and eBike of Colorado is still matching the rebate on most bikes, see store for details. 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. Make sure you mention Scott sent you from KLZ 560.

Then it’s “Listen Up” with Dr. Melissa Fling, Owner of Custom Ear Solutions. The “Custom Fit” is key when it comes to protecting your hearing. We encourage everyone to get a hearing exam and get a baseline on your current hearing situation. Invest in your hearing, call 720-839-7705 to schedule your appointment today. Check out the website www.CustomEarSolutions.com.

In our final segment Brandon Anderson with LT Arms is with us as we near the near the August 1st deadline Brandon says don’t wait get in now. Many people are forgetting the 3 day wait period. Call LT Arms with any questions.

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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., talks about the The Medicare GLP-1 Bridge program. The program runs through December 31, 2027. It provides eligible Part D enrollees access to specific FDA-approved weight-loss medications (Wegovy, Zepbound KwikPen, and Foundayo) for a flat $50 monthly copayment. It operates outside standard Part D coverage, so the copay doesn’t count toward your yearly out-of-pocket limit. Jim invites you to call him with any questions 303-865-5534. Also if you are turning 65 in the next 6-9 months Jim invites you to attend on of his Educational Workshops. This is strictly the beginning to guide you up Mount Medicare, where you will hear and see true facts about Medicare. Many are planning to continue their employment past 65, keep their benefits, only to get laid off then they are scrambling to get enrolled. Simply visit www.Sherpa123.com click on EVENTS and sign up for a date that’s most convenient for you.

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Today’s Guests:
Scott Henke, Owner of Onsite Consulting is with us and 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 talks about some tips to avoid scams! Scott says don’t trust anyone! Don’t let anyone you don’t know personally remote in to your computer. Onsite Consulting offers great deals on refurbished computers, just mention Haystack Help Radio.

In our final half hour it’s Your Health Matters, brought to you by Integrated Health Systems. Today Functional Nutritionist Elizabeth Mahnke joins us to talk about a very important blood marker on your blood test, your A1C level. Elizabeth explains that the A1C test measures your average blood sugar levels over the past 2 to 3 months. Results are reported as a percentage. Elizabeth goes thru all the different ranges and what they mean on your blood test report. As you may assume, the higher the percentage, the higher your blood sugar has been. You will hear what stage is pre-diabetic as well as the full diabetic stage. 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 edition of Water Talk, brought to you by Water Pro’s, Paul “The Waterman” Dowding, Owner of Water Pros and guest Mark Whitlach discuss the difference between unregulated containments by the EPA in our drinking water and regulated containments by the EPA. Why the consumer deserves to know the whole truth about containments in their water that we pay for from our municipality. Regulated Contaminants (What the EPA Enforces) – These are substances the Environmental Protection Agency has established legal limits for under the Safe Drinking Water Act. These contaminants are like Lead, Arsenic, Nitrates and certain bacteria. Unregulated Contaminants (The Bigger Conversation) – There is no legal requirements to remove them. There is limited and consistent testing. The big takeaway today is this—what’s regulated in our water is only part of the story. There’s a growing list of unregulated contaminants that science is still catching up to, and that’s where homeowners need to be proactive. It’s not about fear—it’s about being informed and making the best decisions for your family’s health. Call 303-862-5554 for your free in home water test, tell them Scott sent you.

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Today’s Guests:
On this episode of Legal Talk, brought to you by Flesch Law, Attorney Kevin Flesch joins Scott Whatley to explain why having a personal injury attorney who is willing to sue an insurance company and take a case to court can make a significant difference in the outcome of a claim. Kevin explains that insurance companies are businesses focused on minimizing payouts, and they often evaluate claims based on the level of risk involved—not simply on what is fair. One of the biggest factors they consider is whether the injured person’s attorney has a reputation for filing lawsuits and trying cases when necessary. The discussion highlights how the legal landscape changes once a lawsuit is filed. Discovery begins, defense attorneys become involved, court deadlines are established, and insurance companies face the possibility of presenting their case before a judge or jury. Kevin also explains why some law firms avoid litigation, noting that trials require considerable time, preparation, and expense. Unfortunately, that can leave injured clients accepting settlements that fail to account for future medical care, lost earning capacity, pain and suffering, and other long-term consequences. Before hiring a personal injury attorney, Kevin encourages listeners to ask three important questions: Will you sue the insurance company if necessary? Have you taken cases to trial? And are you prepared to go to court on my behalf? Those answers could have a lasting impact on the value of an injury claim and a person’s financial future. 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 how crucial Estate Planning is and it ensures your assets are distributed as you wish, protects your loved ones by appointing Guardians and Caregivers. It can also minimize taxes and legal fees, and avoids the Probate process. It’s a roadmap for your legacy, ensuring your final wishes are honored and not dictated by the State. 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, Randy Caranci, Owner of e-Bike Of Colorado and host Scott Whatley visit about the store, the Staff, and the successful process that puts customers at ease. Randy explains they have changed their “matching rebate” on some models, but several EBikes still receive the extra $225 off from 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. Melissa Fling, Owner of Custom Ear Solutions. Dr. Fling says protecting your hearing is vital. Yes, being around loud noises constantly without hearing protection will damage your hearing, but also one shot, one unexpected loud noise could damage your hearing for life. Dr. Fling encourages our listeners to invest in their hearing health, come in for a comprehensive hearing exam and get a baseline on your current hearing ability. “Custom” is key, it means a perfect fit, and maximum protection. Check out the website at www.CustomEarSolutions.com.

In our final segment, it’s Allen Stack, Owner of Stack Optical. 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.

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