Today’s Guests:
On this 6/30/26 edition of Your Money Matters, brought to you by Affordable Interest Mortgage, Host Scott Whatley talks with owner Kurt Rogers, about one of the biggest questions facing today’s homebuyers: Should you buy now or wait? Kurt explained that the answer depends on several factors, including where interest rates may go over the next year, whether home values will continue to appreciate, and the possibility that mortgage rates could actually increase. Using real-world examples, he demonstrated how even modest home appreciation can offset potential savings from waiting for lower interest rates. The program also explored how buyers can position themselves for the best financing opportunities by understanding their budget, down payment options, credit scores, and available loan programs, including first-time homebuyer programs, FHA, VA, and buydown options. Kurt highlighted the advantages of working with a mortgage broker versus a traditional bank, emphasizing access to multiple lenders, competitive pricing, specialized loan programs, and personalized service. The show concluded with an explanation of how seller concessions can significantly reduce upfront costs and reviewed the key steps prospective buyers can take to improve their credit scores before purchasing a home. 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 brought to you by Silver Sherpa Inc. On this week’s show Owner Jim Garey invites our listeners to sign up for an upcoming Educational Workshops. There is no charge for the Workshops, for more information visit www.Sherpa123.com Jim points out these are “Workshops” not “Seminars”, very interactive allowing your questions and concerns. Jim also discusses some of the main stream media hype about Medicare going bankrupt and he sheds some light on Medicare Funding. Jim Garey, your Sherpa is ready to guide you up Mt. Medicare. Jim is an Independent Broker/Agent licensed in 30 States. Call Silver Sherpa Inc today at 303-865-5534.

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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.

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 and hosted by Paul “The Waterman” Dowding, we tackled a common question among homeowners: Should you invest in a water softener and a reverse osmosis (R/O) system? Paul explained that while both systems improve water quality, they serve very different purposes. A water softener is designed to address hard water by removing minerals such as calcium and magnesium, helping to reduce scale buildup, extend the life of appliances, improve soap efficiency, and provide softer skin and hair. This is especially important in Colorado, where hard water is common. We also discussed the benefits of reverse osmosis systems for drinking water. R/O technology can help reduce contaminants such as lead, arsenic, PFAS “forever chemicals,” nitrates, certain pharmaceuticals, microplastics, and excess dissolved solids, while also improving taste. Paul emphasized that for many homeowners, the ideal solution is a combination of a whole-house water softener and an under-sink R/O system. Before making any decision, he recommends professional water testing to determine exactly what’s in your water and the best treatment options for your home. As always, Water Pro’s offers a free in-home water test to help families better understand and improve the quality of their drinking water. Call 303-862-5554, tell them Scott sent you.

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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 what people should know and do after an accident. The conversation made it clear that what happens in the first hours and days after an injury can significantly impact a claim.
Kevin emphasized that insurance companies are businesses focused on minimizing payouts, not ensuring fairness. One of the biggest mistakes people make is giving recorded statements too quickly or assuming the insurer will “take care of everything.” He explained that insurers evaluate risk especially whether an attorney is willing to file a lawsuit and go to court if necessary. The interview also covered what makes a case strong, how contingency fees work, and when it’s critical to hire legal representation. Kevin advised listeners to prioritize medical care, document everything, and seek experienced legal guidance early. The key takeaway: protect your health first, don’t navigate the insurance process alone, and understand that having an attorney who is prepared to litigate can make a meaningful difference in the outcome of your 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 edition of Your Legacy Your Way, Attorney Carolyn Duncan discussed two of the most important estate planning steps every parent should take to protect their family. The conversation began with the importance of naming guardians for minor children. Carolyn explained that if both parents become unable to care for their children and no legal guardian has been designated, a court may ultimately decide who will assume that responsibility. She encouraged parents to carefully consider factors such as parenting style, personal values, financial stability, age, health, location, and the willingness of the chosen individual to serve in that role. The program also highlighted the importance of creating a will. A properly drafted will allows parents to name guardians for their children, direct how assets should be distributed, appoint an executor to manage the estate, and help reduce confusion and family disputes during an already difficult time. Without a will, state laws determine how assets are distributed, often leading to unintended consequences. 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 invites our listeners to stop by the store today, it’s Bike to Work Day! But come by and take a test ride, and check out all the new bikes. EBike of Colorado is also still matching the $225 instant Rebate, all you have to do is test ride 3 brands. July 1st is the 9th Birthday of EBike of Colorado and a lot f fun things will be going n to celebrate! Rand also shares some safety battery tips. 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! www.StackOptical.com.

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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 brought to you by Silver Sherpa Inc. On this week’s show Agent Dylan Nava join us and invites our listeners to attend one of their upcoming Workshops. To find a Workshop near you, visit www.Sherpa123.com click on Events and find a date and location and sign up. Dylan encourages everyone, even if you are 64, come and hear what Medicare is all about and get your questions answered. Dylan shares some recent testimonials, and a couple of recent client stories where Silver Sherpa Inc. saved the thousands of dollars annually. Silver Sherpa Inc represents over 30 Insurance companies, so truly they are a Broker, with their allegiance to you the client, not the insurance company. So much to know with Medicare, Dylan explains that many folks are confused about Supplement Plans vs Advantage Plans. The Educational Workshops are full of information. There is no charge for the Workshops, but you must sign up at www.Sherpa123.com or call 303-865-5534.

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Today’s Guests:
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.

In our final half hour it’s Your Health Matters, brought to you by Integrated Health Systems. Today Nurse Practitioner Sharon Blumenthal is with us to announce and explain a new treatment they are offering for new treatment for small fiber neuropathy. We also discuss IV Therapy and Hormonal Balance. 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 the latest edition of Water Talk, Paul “The Waterman” Dowding of Water Pro’s⁠ discussed the top 10 contaminants that may be found in drinking water and why consumers should be informed about what is coming into their homes. Paul explained that while municipal water treatment provides important protection, certain contaminants can still be present, including chlorine and chloramine, PFAS “forever chemicals,” microplastics, pharmaceuticals, heavy metals, nitrates, pesticides, herbicides, volatile organic compounds, and naturally occurring minerals that can affect water quality. The conversation focused on understanding potential risks without causing unnecessary alarm and emphasized the importance of testing and knowing what is in your water. Paul also discussed treatment options available to homeowners, including reverse osmosis and whole-house filtration systems. As always, Water Pro’s offers a free in-home water test to help families better understand and improve the quality of their drinking water. Call 303-862-5554, tell them Scott sent you.

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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 Colorado Senate Bill 25-003 which goes into law August 1, 2026. This Bill 25-003 restricts the purchase, sale, and manufacture of many specified semiautomatic firearms (including specific rifles, shotguns, and gas-operated handguns with detachable magazines). Prior to purchasing these models, residents must obtain a “firearm safety course eligibility card” and pass a state-approved 12-hour safety course. Kevin also shares some vital information for Conceal Carry Holders. 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, Randy Caranci, Owner of e-Bike Of Colorado and host Scott Whatley’s conversation focused on why so many people who purchase an e-bike say they wish they had made the decision years earlier. Randy explained how electric bikes make riding fun again by providing assistance on hills and against headwinds, allowing riders to travel farther without feeling exhausted. The discussion highlighted that e-bikes still provide excellent exercise while letting riders choose the level of assistance that best fits their needs. The show also explored how e-bikes are ideal for riders of all ages and fitness levels, helping people stay active and making it easier for couples and friends to ride together. Other benefits discussed included exploring new places, saving money on transportation, boosting confidence, and enjoying the mental health benefits that come from fresh air and outdoor activity. As Randy often says, the best way to understand the excitement is to “Just Try It.” 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. Melissa Fling, Owner of Custom Ear Solutions. On this edition of Listen Up with Dr. Melissa Fling of Custom Ear Solutions, the focus was on the importance of protecting and preserving the hearing you have left. Dr. Fling emphasized that while hearing loss is often permanent, there are proactive steps people can take to prevent further damage and maintain their quality of life. The discussion highlighted the many everyday situations that can expose individuals to harmful noise levels and the importance of using proper hearing protection. As part of its mission, Custom Ear Solutions is dedicated not only to helping people hear better, but also to safeguarding their hearing through education and custom hearing protection solutions. Dr. Fling encouraged listeners to make hearing conservation a priority and protect one of their most valuable senses. Call today for your comprehensive hearing exam, 720-839-7705.
Custom earmolds for every need – protection, comfort, and style, all tailored just for you. We can’t wait for you to experience the comfort and effectiveness of custom-fitted hearing protection! Check out the website at www.CustomEarSolutions.com.

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