Haystack Help Radio

On the 10/6/26 edition of Your Money Matters, I sat down with Kurt Rogers, Managing Broker of Affordable Interest Mortgage - Powered By IMB, and we spent the show time talking about one of the biggest opportunities in today’s housing market, First-Time Home Buyers.

Kurt explained that more than 31% of today’s buyers are first-time buyers, and despite market shifts and changing interest rates, homeownership continues to be one of the strongest long-term wealth-building tools available.

During the conversation, Kurt broke down the many different loan options available today, including Conventional, FHA, VA, USDA, and Non-QM loans. He emphasized that there is no longer a “one-size-fits-all” mortgage solution and that buyers need to understand which program best aligns with their goals, budget, credit profile, and long-term plans.

We also discussed:
• Low down payment options, including Conventional loans with as little as 3% down
• FHA programs with more flexible credit and debt-to-income guidelines
• VA loans offering zero down for eligible veterans
• USDA loans for qualifying rural areas
• Non-QM solutions for self-employed borrowers using bank statements or asset income

Kurt also shared valuable information about Down Payment Assistance programs, explaining that there are thousands of programs available nationwide that many buyers do not even realize exist.

Another important takeaway from the show was the difference between a Pre-Qualification and a true Pre-Approval. Kurt stressed the importance of understanding your payment, APR, closing costs, and qualification guidelines before shopping for a home.

As Kurt shared on the show, preparation is everything in today’s market, and having the right strategy in place early can make all the difference.

Be sure to tune in every Tuesday from Noon–12:30 PM on KLZ 560AM for Your Money Matters with Host Scott Whatley and Kurt Rogers.

Listen to the full 10/6/26 episode here: https://www.haystackhelpradio.com/wp-content/uploads/2026/10/Haystack-10-06-26-REPEAT-Your-Money-Matters-Mortgage-Insights.mp3

Contact:
Kurt Rogers
Managing Broker | Affordable Interest Mortgage
NMLS #217147 | IMB #2191655
Equal Opportunity Lender | Regulated by the Division of Real Estate
(720) 895-0500 | www.aimortgage.net

On the 10/6/26 Medicare & More Show, Host Scott Whatley talks with Jim Garey, Owner of Silver Sherpa, Inc., and Jim wants to let our listeners know that in the metro area if you would like Jim to make a house call, he is happy to come to your home and sit down at your kitchen table and help you understand the journey up Mt. Medicare.

Jim explains his business has been blessed and he is in need of some key team members, take a listen a Jim will explain the amazing opportunities available now at Silver Sherpa Inc. Here is your chance to be a part of a winning team with opportunities from Administrative roles to Agent. Jim also explains license requirements and for the right person, Jim will cover that cost.

For more information call Jim today 303-865-5554 or contact him at www.Sherpa123.com.

Listen to the 10/6/26 Podcast here: https://www.haystackhelpradio.com/wp-content/uploads/2026/10/Haystack-10-06-26-REPEAT-The-Silver-Sherpa.mp3

Tune in to Medicare & More every Tuesday from 12:30–1:00 PM on KLZ 560 AM or stream live on the KLZ560 app.

Register for a workshop: www.Sherpa123.com
Call or Text Jim: 303-865-5534

On the 10/1/26 episode of the Legal Talk Radio Show on 560AM KLZ, Attorney Kevin Flesch of Flesch Law talks about the different types of trials in both criminal and civil cases and why those differences matter. Kevin breaks down the structure and purpose of each system, highlighting how criminal trials focus on guilt or innocence while civil trials determine liability and compensation. He explains the distinctions between jury trials and bench trials, including when an attorney might choose one over the other.

Kevin also outlines the burden of proof, the phases of a criminal trial, and how constitutional rights and plea bargains affect outcomes. On the civil side, he discusses evidence standards, damages, and why many cases settle before trial.

Kevin closes by emphasizing the importance of sound legal strategy and understanding how the trial process impacts your rights and results. Take a listen to this show, then you will be well informed.

Attorney Kevin Flesch of Flesch Law Denver Injury Accident Lawyers, 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.

Listen to the 10/1/26 Podcast: https://www.haystackhelpradio.com/wp-content/uploads/2026/10/Haystack-10-01-26-REPEAT-Legal-Talk-Kevin-Flesch.mp3

Tune in to Legal Talk, every Thursday at Noon – 12:30 PM on 560AM KLZ, with Attorney Kevin Flesch. Download the KLZ 560 APP from the App Store or Google Play.
Got a legal question? You can now TEXT the Flesch Law Line with your legal question: 720-201-8585.

It’s always a free consultation at Flesch Law. Call Kevin today at 303-806-8886 or visit the website at www.fleschlawfirm.com

Colorado Mobile Home Water Quality Act: What Residents Need to Know!! Check out Water Talk with Host Scott Whatley & Paul “The Waterman” Dowding at WaterPros.

On this edition of Water Talk, Scott Whatley is joined by Paul “The Waterman” Dowding of Water Pro’s to discuss an important issue for Colorado’s mobile home residents: drinking water quality.

Colorado has established a Mobile Home Park Water Quality program designed to identify and address potential water-quality problems in mobile home parks. Recent legislation gives the Colorado Department of Public Health and Environment additional authority to require testing, remediation plans, and corrective action when water-quality concerns are identified.

Scott and Paul discuss an important question for residents: Who is responsible for the quality of the water coming into a mobile home park, and what happens when testing reveals a problem?

The conversation explores potential contaminants including bacteria, lead, nitrates and PFAS, while emphasizing that different contaminants require different testing and treatment methods. Paul also explains why residents should understand the difference between water quality at the park level and what may happen to that water as it travels through the plumbing inside an individual home.

The discussion also focuses on what residents can do to become more informed. Residents should know where their water comes from, when it was last tested, what contaminants were tested for, and whether any problems were identified. They can also ask to see the actual laboratory results.

Another important takeaway is that residents shouldn’t automatically purchase a water filter simply because they’re concerned about their water. The first step is understanding what, if anything, is actually in the water. Different contaminants require different treatment technologies, and a water softener, for example, is designed primarily to address hardness, not every potential drinking-water contaminant.

The goal of the Colorado program is to identify problems and make sure appropriate action is taken. For residents, the message is simple: don’t guess about your water. Know where it comes from, know whether it has been tested, understand the results, and know what steps are available if a problem is found.

The good news? You don’t have to guess about the quality of your water.

Water Pro’s offers a FREE, no-obligation in-home water test to help you better understand what may be in your water. Paul and the Water Pro’s team can explain the results and recommend a treatment system based on your household’s specific needs.

Protect your family and learn what may be hiding in your water.

Call Paul the Waterman at 303-862-5554 to schedule your FREE in-home water test and be sure to tell them Scott Whatley sent you!

Listen to the 10/3/26 episode here:
https://www.haystackhelpradio.com/wp-content/uploads/2026/10/Haystack-10-02-26-Water-Pros.mp3

Learn more about Water Pro’s at www.waterpros.net

Be sure to tune in every Friday from Noon–1:00 PM on KLZ 560 AM for Water Talk. Download the KLZ 560 App and listen wherever you go!

On the 10/1/26 episode of YOUR LEGACY, YOUR WAY, Attorney Carolyn Duncan at Duncan Legal, PC, joins Scott Whatley to continue the conversation with Part 2 of their discussion on Powers of Attorney.

Building on last week’s conversation, Scott and Carolyn take a deeper look at one of the most important decisions involved in creating a Power of Attorney: choosing the right person to act on your behalf. They discuss whether your agent has to be a family member, what qualities you should look for, and warning signs that someone may not be the right choice.

The conversation also explores whether you can name more than one agent, the advantages and potential challenges of doing so, and how a Power of Attorney can be revoked if circumstances or relationships change. Carolyn explains what happens to a Power of Attorney when someone dies and discusses important limitations involving gifts and changes to an estate plan.

Scott and Carolyn also address situations involving dementia or Alzheimer’s, why planning ahead matters, and why Powers of Attorney aren’t just for older adults. They discuss when documents should be reviewed, what happens when you move to another state, and some of the most common mistakes people make.

Finally, Carolyn explains how Powers of Attorney work alongside wills, trusts, beneficiary designations and the rest of an estate plan, and what basic documents someone should consider if they have never completed an estate plan.

The message is simple: plan ahead, document your wishes, and help your family avoid making difficult decisions during a crisis.

Listen to the 10/1/26 podcast: https://www.haystackhelpradio.com/wp-content/uploads/2026/10/Haystack-10-01-26-Carolyn-Duncan.mp3

Be sure to tune in - Your Legacy Your Way airs every Thursday at 12:30 PM – 1PM on 560AM KLZ. Download the KLZ 560 APP from the App Store or Google Play.

Call Duncan Legal today for your complimentary 30-minute consultation 303-394-2358.

Get your free Guide to Estate Planning Basics at www.DuncanLegal.com

On the 9/29/26 Medicare & More Show, Host Scott Whatley talks with Jim Garey, Owner of Silver Sherpa, Inc., to discuss an important question for anyone approaching Medicare eligibility: When should you begin planning, and when should you call Jim?

Jim explains that Medicare timing can be confusing, especially for people who continue working beyond age 65. While some individuals enroll in Medicare when they first become eligible, others remain covered through an employer’s group health insurance. The right decision can depend on the size of the employer, the type of coverage available and individual circumstances, so understanding the rules before making a change is essential.

The conversation also addresses what can happen when someone works past 65, stays on employer coverage and is unexpectedly laid off at age 68. Jim explains why it is important to act quickly, review available enrollment opportunities and avoid gaps in health coverage. Losing employer-sponsored insurance may create a Special Enrollment Period, but deadlines and requirements matter. Calling a knowledgeable Medicare professional as soon as employment or coverage changes can help ensure the transition is handled properly.

Jim encourages listeners not to wait until the last minute. Reaching out before turning 65, before retiring or whenever employer coverage may end can provide time to review options and prepare the necessary paperwork. He can help clients understand Medicare Advantage Plans, Medicare Supplement Plans and prescription drug coverage, while reviewing choices at no cost to the client.
Also, if a Spouse is on the other spouses work insurance and they are not eligible for Medicare, Jim can assist with Health Insurance.

Tune in to Medicare & More with Host Scott Whatley and Jim Garey of Silver Sherpa, Inc. to help make Medicare a little easier to understand.

For more information call Jim today 303-865-5554 or contact him at www.Sherpa123.com.

Listen to the 9/29/26 Podcast here: https://www.haystackhelpradio.com/wp-content/uploads/2026/09/Haystack-09-29-26-The-Silver-Sherpa.mp3

Tune in to Medicare & More every Tuesday from 12:30–1:00 PM on KLZ 560 AM or stream live on the KLZ560 app.

Call or Text Jim: 303-865-5534

On this week’s 9/29/26 episode of the Your Money Matters Radio Show, Kurt Rogers, Managing Broker at Affordable Interest Mortgage - Powered By IMB, our exclusive Mortgage Broker - 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!

Listen to the full 9/29/26 episode here: https://www.haystackhelpradio.com/wp-content/uploads/2026/09/Haystack-09-29-26-REPEAT-Your-Money-Matters-Mortgage-Insights.mp3

Be sure and Tune in every Tuesday from Noon–12:30 PM on KLZ 560AM for Your Money Matters. Download the KLZ560 App.
Call Kurt at (720) 895-0500 and explore your mortgage options. Kurt is saving real clients, real money! Check out the website at www.aimortgage.net.

Kurt Rogers (720) 895-0500
Managing Broker | Affordable Interest Mortgage
NMLS #217147 | IMB #2191655
Equal Opportunity Lender | Regulated by the Division of Real Estate
www.aimortgage.net

On the 9/24/26 episode of the Legal Talk Radio Show on 560AM KLZ, Attorney Kevin Flesch of Flesch Law Denver Injury Accident Lawyers, sat down with Host Scott Whatley to discuss 2 areas of Law: Personal Injury and Criminal Defense Law.

We start with Personal Injury Law and Kevin talks about why it’s so important to hire an attorney early in the process. We discuss some tips on what to do after you are involved in an accident.

Kevin says insurance companies do all they can to minimize your clam. A recent client came to Flesch Law after representing himself, and had an offer on the table. The client hired Flesch Law to take over the case and wow, take a listen on the value that Flesch Law added to this client’s final settlement.

Then we shift to Criminal Law, and some of the most common cases. What do you do after you are arrested? How should you choose a criminal Law attorney? We answer these questions and more on today’s Legal Talk. Take a listen to this show, then you will be well informed.

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.

Listen to the 9/24/26: Podcast: https://www.haystackhelpradio.com/wp-content/uploads/2026/09/Haystack-09-24-26-REPEAT-Legal-Talk-Kevin-Flesch.mp3

Tune in to Legal Talk, every Thursday at Noon – 12:30 PM on 560AM KLZ, with Attorney Kevin Flesch. Download the KLZ 560 APP from the App Store or Google Play.

Got a legal question? You can now TEXT the Flesch Law Line with your legal question: 720-201-8585.

It’s always a free consultation at Flesch Law.

Call Kevin today at 303-806-8886 or visit the website at www.fleschlawfirm.com

On the 9/24/26 episode of YOUR LEGACY, YOUR WAY, Attorney Carolyn Duncan at Duncan Legal, PC, joins Scott Whatley to talk about an important but often overlooked part of estate planning: Powers of Attorney.

A Power of Attorney can play a critical role in protecting your financial and legal interests if you become unable to make decisions for yourself. Carolyn explains what a Power of Attorney is, why it should be considered as part of a comprehensive estate plan, and what makes a Durable Power of Attorney different.

The conversation also addresses a common misconception among married couples: that a spouse automatically has the legal authority to handle every financial, legal, or other important matter for their incapacitated spouse. Carolyn explains why having the proper documents in place can help avoid complications during an unexpected illness or incapacity.

Scott and Carolyn also explore what can happen when someone becomes incapacitated without a Power of Attorney and why that situation can create additional legal challenges for families.
Another important distinction discussed is the difference between financial Powers of Attorney and health-care or medical decision-making documents. Carolyn explains that these documents serve different purposes and should be carefully considered when creating an estate plan.

Finally, the interview looks at how much authority can be granted to an agent and whether a Power of Attorney can be customized to fit an individual’s wishes and circumstances.

The goal is simple: understand your options, plan ahead, and make sure your wishes are clearly documented before a crisis occurs.

Listen to the 9/24/26 podcast: https://www.haystackhelpradio.com/wp-content/uploads/2026/09/Haystack-09-24-26-Carolyn-Duncan.mp3

Be sure to tune in - Your Legacy Your Way airs every Thursday at 12:30 PM – 1PM on 560AM KLZ. Download the KLZ 560 APP from the App Store or Google Play.

Call Duncan Legal today for your complimentary 30-minute consultation 303-394-2358.

Get your free Guide to Estate Planning Basics at www.DuncanLegal.com

🚴‍♂️⚡ “Why Didn’t I Get an e-Bike Years Ago?” Discover Why So Many Riders Wish They Had Started Sooner! 🏔️😁

HEY E-BIKE ENTHUSIASTS! It’s the “Just Try It” Radio Show, brought to you by e-bike of Colorado! Don’t miss the 9/23/26 episode as Host Scott Whatley welcomes back Randy Caranci, Owner of eBike of Colorado, the largest e-bike retailer in Colorado!

This week, Randy and Scott tackle a question Randy hears again and again from customers after they experience life on an e-bike:
“Why didn’t I do this years ago?”

🚴‍♂️ E-Bikes Make Riding FUN Again!
For many people, traditional biking can become more challenging over time. Hills feel steeper. Headwinds seem stronger. Longer rides can become exhausting instead of enjoyable.
An e-bike changes the equation.

Randy explains how electric assistance can help take the intimidation out of hills and headwinds while allowing riders to travel farther, explore more and simply have more fun on two wheels.

And yes, you’re still exercising! You pedal, you move and you stay active, but you get to choose the level of assistance that works for you.

❤️ More Than a Bike, It Can Change the Way You Enjoy Life!
One of the best things about e-bikes is that they can open the door to riding for people of different ages, abilities and fitness levels.

On today’s show, Randy and Scott discuss some of the reasons riders are embracing the e-bike lifestyle:
🚴 Stay active while choosing the level of assistance you need
⛰️ Tackle hills and headwinds with greater confidence
🗺️ Ride farther and explore places you might not otherwise reach
👫 Help couples and friends with different fitness levels enjoy riding together
🚗 Use your e-bike for errands and transportation and potentially save money
💪 Build confidence and rediscover the joy of riding
🌞 Get outside, enjoy the fresh air and experience the mental boost that comes with outdoor activity

Sometimes the biggest challenge is simply getting started, which is exactly why Randy has been saying it for years:

⚡ “JUST TRY IT!”
You can read about e-bikes. You can watch videos about them. You can compare specifications online. But there’s nothing quite like getting on one and experiencing it for yourself.

🏔️ Why Buy from eBike of Colorado?
At eBike of Colorado, the goal is simple: Find you the RIGHT bike, not just sell you a bike.

Customers also enjoy the advantages of buying from an experienced local e-bike dealer, including:
🚴 Expert guidance from an experienced e-bike team
🛞 Exclusive Tire Protection Program
⭐ Membership in the eBike of Colorado Club with valuable rider benefits
🔧 Professional assembly and ongoing service from factory-trained technicians
🏔️ A huge selection of electric bikes for different riders, lifestyles and adventures
🚵 A private trail system behind the store where you can actually test ride and compare bikes in real-world conditions

And remember, eBike of Colorado services e-bikes, too! If your e-bike needs service, give the team a call and let their experienced technicians help get you back on the road or trail.

Come see for yourself why eBike of Colorado is the largest e-bike retailer in Colorado and why so many riders leave wondering why they waited so long!

📍 Visit eBike of Colorado: 544 Front Street, Louisville, CO
🕙 Open 7 Days a Week: 10:00 AM – 7:00 PM
🌐 www.ebikeofcolorado.com
📞 720-739-0299

“Just Try It” — take a test ride and feel like a kid again! 🚴‍♂️⚡
Buy with confidence at eBike of Colorado and be sure to mention you heard Randy on Just Try It on KLZ 560AM with Host Scott Whatley.

🎧 Listen to the 9/23/26 episode of the “Just Try It” Radio Show:
https://www.haystackhelpradio.com/wp-content/uploads/2026/09/JUST-TRY-IT-E-Bike-of-Colorado-09-23-26.mp3

🎙️ Tune in every week to the Just Try It Radio Show
Wednesdays | 12:00–12:30 PM | 560 AM KLZ 560AM

Download and listen on the KLZ 560 App or online at KLZRadio.com.

Sincerely,
Scott Whatley
Owner & Host, Haystack Help Radio
Owner & Host, Sportsman of Colorado Sportsman Of Colorado Radio