Haystack Help Radio

08/02/2025

FACTORS THAT COULD HURT YOUR PERSONAL INJURY CASE & COMPENSATION.

On the 7/31/25 episode of the Legal Talk Radio Show on 560AM KLZ, Attorney Kevin Flesch of Flesch Law talks about some of the factors that could hurt your Personal Injury case. When it comes to personal injury cases, several key mistakes can hurt your claim.

• Delaying medical treatment, ignoring doctor’s orders, or posting on social media can damage credibility.

• Giving statements to insurance adjusters without legal counsel is risky, and exaggerating injuries can ruin your case entirely.

• Failing to preserve evidence, settling too quickly, or missing legal deadlines are common pitfalls.

• Perhaps most importantly, hiring the wrong attorney—or none at all—can significantly reduce your chance of fair compensation.

Kevin highly encourages you to take advantage of the free consultation at Flesch Law as this will avoid these mistakes from happening.

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 7/31/25 Podcast: https://www.haystackhelpradio.com/wp-content/uploads/2025/08/Haystack-07-31-25-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

08/02/2025

Attention Parents with kids going off to college, this show is for you!!

Check out the 7/31/25 episode of YOUR LEGACY, YOUR WAY! Attorney Carolyn Duncan at Duncan Legal, explains why parents need key legal documents once their child turns 18 and heads to college.

Carolyn outlines the importance of a Medical Power of Attorney, HIPAA Release, FERPA Waiver, and Durable Financial Power of Attorney. Without these, parents may be denied access to medical or academic information in an emergency. Carolyn stresses that proper planning ensures parents can help their children legally and financially if needed while away at school.

Free 30-minute consultation. Carolyn says her motto is “Helping People Solves Life’s Puzzles.”

Listen to the 7/31/25 podcast on this great topic: https://www.haystackhelpradio.com/wp-content/uploads/2025/08/Haystack-07-31-25-Carolyn-Duncan.mp3

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 303-394-2358.

www.duncanlegal.com

07/30/2025

It was awesome to hear our exclusive Mortgage Broker Kurt Rogers at Affordable Interest Mortgage - Powered By IMB literally unpack ALL the various types of Mortgage Loan Programs for our listeners that he can offer and I am highly confident he has the right one for your specific situation! Fantastic and informative episode, check it out!

Thanks for your support of our Sponsors!
Sincerely,
Scott Whatley
Host & Owner - Haystack Help Radio Show

Mortgage Insights – Right Here – Right Now: 7/29/25 Episode Is Live! 🏡💬

This week on Your Money Matters Radio Show, I unpacked the wide world of mortgage loan options, because there’s no such thing as one-size-fits-all when it comes to home financing! 💡💵

Whether you’re a first-time buyer, refinancing, or investing, there’s a program that fits your goals:

✅ Conventional Loans – great for strong credit and steady income
✅ FHA, VA & USDA Loans – flexible with lower down payments & higher DTIs
✅ Non-QM Loans – ideal for self-employed borrowers or unique income types

I also explain how lenders assess debt-to-income (DTI) ratios, job and asset stability, and how your credit mix and payment history affect your score 📊✨

💥 Your mortgage should match your life, not the other way around. Whether you need low down payment options, credit flexibility, or creative lending solutions, we’ve got you covered.

🎧 Listen to the 7/29/25 episode and discover the loan that fits you best:
https://www.haystackhelpradio.com/wp-content/uploads/2025/07/Haystack-07-29-25-Your-Money-Matters.mp3

Let’s get you pre-approved and in control of your future! 🙌🏠

With gratitude,
Kurt Rogers
Managing Broker, Affordable Interest Mortgage

www.aimortgage.net
(720) 895-0500

NMLS #217147 | IMB #2191655 | Equal Opportunity Lender | Regulated by the Division of Real Estate

07/30/2025

WHAT TO DO AFTER A DUI ARREST.
On the 7/24/25 episode of the Legal Talk Radio Show on 560AM KLZ, Attorney Kevin Flesch of Flesch Law talks about what to do after a DUI arrest, including critical first steps and the importance of the initial 24 hours.

Kevin explains key deadlines like Colorado’s 7-day DMV hearing rule, court dates, and filing motions. He details the difference between per se and impairment DUIs, how evidence can be challenged, and what to expect during trial.

The discussion closes with common mistakes, such as missing deadlines or posting online, and smart moves to protect your rights.

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 7/24/25 Podcast: https://www.haystackhelpradio.com/wp-content/uploads/2025/07/Haystack-07-24-25-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

07/22/2025

Check out the 7/17/25 episode of YOUR LEGACY, YOUR WAY! Attorney Carolyn Duncan at Duncan Legal, PC, discusses Part 2 of our 2-Part series covering the most common myths and misconceptions in Estate Planning.

Carolyn gives some great insights and facts on why these misconceptions are simply not right. Free half-hour consult call 303-394-2358. Carolyn says her motto is “Helping People Solves Life’s Puzzles.”

Listen to the 7/17/25 podcast on this great topic: https://www.haystackhelpradio.com/wp-content/uploads/2025/07/Haystack-07-17-25-Carolyn-Duncan.mp3

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 303-394-2358.

www.duncanlegal.com

07/22/2025

Fascinating episode on High-Profile Jury Trials with our exclusive Personal Injury & Criminal Defense Attorney Kevin Flesch at Flesch Law. Need the best lawyer for your case? Call Kevin (303) 806-8886.

On the 7/17/25 episode of the Legal Talk Radio Show on 560AM KLZ, Attorney Kevin Flesch of Flesch Law talks about a very high-profile case in Denver, CO currently being heard by the Jury and has been all over the news, both locally and nationally. Kevin says “jury trials” are very interesting and sometimes due to all the TV type court shows we may watch, there can be some misconceptions. Listen in to this fascinating episode.

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 7/17/25 Podcast: https://www.haystackhelpradio.com/wp-content/uploads/2025/07/Haystack-07-17-25-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

07/16/2025

It’s another great episode of the Medicare and More Show!
📅 Episode Date: July 15, 2025
🎧 Special Guest: Jim Garey, Licensed Insurance Broker & Founder of Silver Sherpa Inc.
🎙️ Hosted by Scott Whatley
📍 Broadcast on Haystack Help Radio, KLZ 560 AM

🧭 Why You Need a Guide Up “Mt. Medicare” — Featuring Jim Garey of Silver Sherpa Inc. 🧭

On today’s episode of Medicare and More, host Scott Whatley welcomes Jim Garey, licensed insurance broker and founder of Silver Sherpa Inc., to shed light on one of the most overwhelming transitions many Americans face: navigating Medicare.

Jim explains why Medicare is more confusing than ever and why copying your “friend” or “neighbor’s” plan could be the worst decision for your unique health and financial needs. With enrollment timelines, plan types, drug coverage, and Social Security considerations all in the mix, you need more than advice. You need a guide.

💡 That’s where Silver Sherpa comes in. Jim offers unbiased, expert guidance at no cost to you, with the same pricing you’d get directly from top providers like Aetna, Humana, and UnitedHealthcare.

As a Baby Boomer himself, Jim understands the real-life complexities many of us face, working longer, caring for aging parents, managing our own health, and supporting adult children.

✅ In the 7/15/25 episode, you’ll learn:
(1) Why there’s no such thing as a “one-size-fits-all” Medicare plan
(2) How choosing the wrong plan can cost you time, money, and coverage
(3) Why talking to a broker is smarter than signing up solo
(4) How to attend a free local seminar and start your Medicare journey with clarity

Listen to the Podcast Now: https://www.haystackhelpradio.com/wp-content/uploads/2025/07/Haystack-07-15-25-The-Silver-Sherpa.mp3

🎓 Take the first step today:
Visit www.Sherpa123.com, click the Events tab, and sign up for a FREE educational talk at a local library near you.

📱 Listen every Tuesday at 12:30 PM on KLZ 560 AM — or download the KLZ 560 App from the App Store or Google Play to catch episodes on demand.

🎙️ Don’t climb Mt. Medicare alone. Let Silver Sherpa be your guide—every step of the way.

07/16/2025

Today's Your Money Matters Radio Show - 7/15/25 with Kurt Rogers of Affordable Interest Mortgage - Powered By IMB was fantastic and loaded with up to the minute info about the current mortgage market. If you missed it, check it out here. Kurt is the best, give him a call to talk about your mortgage needs: (720) 895-0500.

🎙️ Your Money Matters Radio Show presents Mortgage Insights: 7/15/25 Podcast Episode

On this week’s episode of Your Money Matters, I provide an up-to-the-minute update on current mortgage conditions and why now might be a smart time to make a move. 🏡📉

We’ve officially entered a buyer’s market:
✅ Homes are sitting longer (over 40 days)
✅ Inventory is up (45–50 day supply)
✅ Sellers are negotiating more
✅ Rates are starting to trend downward

I break down the biggest questions I hear right now:
🔍 Should I wait for rates to drop more?
🔍 What if home values go down?
🔍 Is it smarter to pay points or mortgage insurance?
🔍 What loan is right for me—Conventional, FHA, VA, USDA, or Non-QM?

Plus, I talk about exciting first-time buyer programs (including 1% down options and lender-paid down payments up to $7,000), how to structure a deal with today’s new agent commission rules, and why getting pre-qualified gives you an edge before you shop. 💪

Whether you're buying your first home or your next one, this week’s episode will help you navigate your options with confidence—and maybe save thousands in the process. 💸

🎧 Listen now and cool off with a smart mortgage strategy: https://www.haystackhelpradio.com/wp-content/uploads/2025/07/Haystack-07-15-25-Your-Money-Matters.mp3

If you’re wondering what’s possible, let’s find out together.

With gratitude,
Kurt Rogers
Managing Broker, Affordable Interest Mortgage

www.aimortgage.net
(720) 895-0500

NMLS #217147 | IMB #2191655 | Equal Opportunity Lender | Regulated by the Division of Real Estate

07/15/2025

This is a jam packed show, check it out. We highly recommend our exclusive Personal Injury & Criminal Defense Attorney Kevin Flesch of Flesch Law, call Kevin at 303-806-8886.

On the 7/10/25 episode of the Legal Talk Radio Show on 560AM KLZ, Attorney Kevin Flesch of Flesch Law talks about key pre-trial issues and why preparation is critical to case success.
Kevin explains motions to dismiss, discovery disputes, plea bargaining, and civil mediation. The conversation also covers how attorneys gather and prepare evidence, including witness prep and expert testimony.

Kevin highlights common mistakes made without legal guidance and stresses the importance of adapting strategy as new information surfaces—showing why strong pre-trial work can make or break a 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.

Listen to the 7/10/25 Podcast: https://www.haystackhelpradio.com/wp-content/uploads/2025/07/Haystack-07-10-25-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

07/15/2025

If you missed it, we got ya covered! It’s the Medicare and More Show with Jim Garey of Silver Sherpa, Inc. Jim says there can be a lot of confusion as we age with several programs such as Social Security, Medicare and Medicaid, so he breaks down these 3 programs, explains their purpose and highlights some points you need to know.

We all know the “Big Beautiful Bill” was recently signed and Jim discusses some of the impact points. KLZ listeners have responded to our first couple of shows and Jim talks about some of the calls and questions he has received.

Check out the 7/8/25 episode that’s jam packed with excellent information you need to know about Medicare: https://www.haystackhelpradio.com/wp-content/uploads/2025/07/Haystack-07-08-25-The-Silver-Sherpa.mp3

Be sure to tune in to the Medicare & More Show! Jim will be with us every Tuesday at 12:30 pm beginning July 1st. Download the KLZ 560 APP from the App Store or Google Play.

Jim is a licensed insurance broker since 2013 and has helped thousands of people understand Medicare without the usual hassles and frustrations. In the process, he has helped many of those same people decrease their costs, while at the same time increasing their benefits. Jim will do the same for you!

Jim is a Baby Boomer himself, so he readily relates to the stage of life those of us in the Silver Generation find us in. Many of us are still working full-time. Others find themselves in the “sandwich” of caring for aging loved ones, while still having some financial responsibilities for their own children. In addition to worrying about multi-generational loved ones, many of us have our own chronic diseases that we are trying to manage.

Medicare can be stressful. But you don’t need to navigate it yourself! Call Jim Garey 303-865-5534.

Check out www.Sherpa123.com on the “Events” tab and enroll in a free upcoming Seminar.

07/15/2025

Another great one! Check out the 7/10/25 episode of YOUR LEGACY, YOUR WAY! Attorney Carolyn Duncan at Duncan Legal, PC, discusses some of the most common myths and misconceptions about Estate Planning.

This will be a 2-part series, so be sure and join us next Thursday again at 12:30 pm.

On todays show, Part 1 in this 2-part series, we cover, “Estate Planning is only for the Wealthy”, “I’m too young”, I don’t need an Estate Plan”, “If I have a Will, I am covered”, “My Family is close, they will just figure it out”.

These phrases are all too common.

Carolyn gives some great insights and facts on why these misconceptions are simply not right.

Listen to the 7/10/25 podcast on this great topic: https://www.haystackhelpradio.com/wp-content/uploads/2025/07/Haystack-07-10-25-Carolyn-Duncan.mp3

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 303-394-2358.
www.duncanlegal.com

07/09/2025

Excellent article from our exclusive Mortgage Broker Kurt Rogers, Managing Broker Affordable Interest Mortgage - Powered By IMB, consider giving Kurt a call, I promise he will take amazing care of you and your mortgage needs: (720) 895-0500.

🏡 Mortgage Insights: When Should You Refinance + How to Pay Off Your Mortgage Early!

Hello friends! I’m Kurt Rogers, Managing Broker at Affordable Interest Mortgage. Every week, I talk with homeowners who are looking to make smarter moves with their mortgage—whether that’s saving money today or building more financial freedom for tomorrow. 🏠✨

Here are two key questions I’m hearing right now—and some insights you can use:

👉 When Should You Consider Refinancing?

It’s simple—when it saves you money. 💰 Refinancing can help you:
✅ Lower your monthly payment
✅ Secure a better interest rate
✅ Remove mortgage insurance
✅ Access cash for home improvements or other goals

But it’s not a “one-size-fits-all” answer. You need to look at the costs and your future plans. I can help you run the numbers so you know if it’s truly worth it.

👉 How Can You Pay Off Your Mortgage Early?
There are many ways to accelerate your payoff:

🏡 Make one extra payment per year
🏡 Apply bonuses or tax refunds to principal
🏡 Round up monthly payments

AND here’s a smart option many clients don’t know about: My exclusive Asset Manager Loan. 🏦

This is a simple interest, line-of-credit loan that gives you flexibility to manage your income and savings. By using your normal cash flow—paychecks, bonuses, rental income, or even business income—you can apply funds toward principal when it makes sense for you, helping you pay down your mortgage faster and reduce interest.

Many of my clients LOVE this program because it gives them total control—you’re not locked into a fixed payment path, and you can access equity without a costly refinance or second loan.

If you’d like to learn more about the Asset Manager Loan or your best strategy for paying off your home early, let’s talk!
📞 720-895-0500

With gratitude,
Kurt Rogers
Managing Broker, Affordable Interest Mortgage
🌐 www.aimortgage.net

NMLS #217147 | IMB #2191655 | Equal Opportunity Lender | Regulated by the Division of Real Estate