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, Host Scott Whatley and Jim Garey, Owner of Silver Sherpa, Inc., talks about Medicare’s Annual Enrollment Period (AEP), which runs from October 15 through December 7, giving millions of Americans an opportunity to review their Medicare coverage and make changes for the upcoming year. Jim explains what AEP is, who it applies to, and why taking the time to review your coverage each year is so important. The Annual Enrollment Period is primarily for people who already have Medicare and want to evaluate their current coverage. During this time, beneficiaries can switch from Original Medicare to a Medicare Advantage plan, move from Medicare Advantage back to Original Medicare, change from one Medicare Advantage plan to another, or change their Medicare Part D prescription drug coverage. Jim also emphasizes the importance of understanding your choices before making a decision. You do not necessarily need to change plans, but you should know what is available and how any changes could affect you. Through Silver Sherpa Inc., Jim Garey helps individuals navigate the often-confusing Medicare process and understand their options. His goal is to make Medicare easier to understand so people can make informed decisions about their healthcare coverage.
Tune in to Medicare & More for practical information and guidance to help you make the most of Medicare’s Annual Enrollment Period.
Call or text Jim Garey today, 303-865-5534, don’t try to navigate up Mt Medicare alone, www.Sherpa123.com.

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