CBRSP (OLD PODCAST - DO NOT SUBSCRIBE)

Chuck and Kevin Miller, founder of FreeAgentAcademy.com, talk about how to build a remarkable -- not mediocre -- business.  They take several calls and emails from listeners wanting to know how do that for themselves.

Chuck also announces next Saturday will be his last AM radio broadcast -- and that he'll continue his podcast as well as launch his online show soon.

Check out www.CruiseWithChuck.com to learn how to combine a super, value-packed cruise with a powerful learning experience.  Join Chuck and a few other movers and shakers to begin (or turbocharge) your quest for self-employment in 2010!  You need to act quickly, though, as cabins won't be available much longer.

If you're considering self-employment or already there, you MUST listen to this show!  

Quote of the Day:

"A person standing alone can be attacked and defeated, but two can stand back-to-back and conquer .  Three are even better, for a triple-braided cord is not easily broken."

~ Ecclesiastes 4:12

Sharon in San Antonio, TX has been in the military for over 17 years and will be leaving soon.  She has 2 degrees -- but very unsure about how to find her "sweet spot" in the civilian world.  She loves to teach and administrate, but what should she do to discover and pursue her passions?   

Donald in San Antonio, TX is a raving fan and thanks Chuck for his show over the past five years.  He also wonders about how he can continue fine tuning his life's work while he does "a lot of tweaking" moving forward. 

Jonathan in Michigan emails "What is the biggest obstacle you see that keeps individuals from effectively conveying HOW they are remarkable"?

Scott in Pennsylvania is struggling to find his passion.  How can he release himself to discover what others already seem to know about themselves?  Chuck talks about how he "can't make a pot until he puts his clay on the wheel" ...

Chuck and guest Andy Traub, President of MoreProfitTechnology.com talk about the main topics small business owners want to know most about right now:

* Social media
* Websites
* Promotion / Branding (getting your message out)
* How to implement high-tech in your business without emptying your checkbook

Go to www.CoachingTechnology.com right now and sign up for our seven week teleclass where you'll learn everything you need to know to start confidently with your web business, from websites to blogs, telephone to social media, eCommerce to ....

If you're considering self-employment or already there, you MUST listen to this show!

Quote of the Day:

"Don't worry about anything; instead, pray about everything. Tell God what you need, and thank Him for all He has done."

~ Philippians 4:6

Chuck covers his 3 Musts if you even think about starting a business: Be Passionate, Be Remarkable, Get Results. He then talks with listeners about how to begin making money with their talents.

If you're considering self-employment or already there, you MUST listen to this show!

Quote of the Day:

"Don't worry about anything; instead, pray about everything. Tell God what you need, and thank Him for all He has done."

~ Philippians 4:6

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Mike in Minnesota has ten years experience designing and creating 3D models. How can he transition into doing this in his own business?

Beatrice in San Antonio, TX has launched her own communication services business but has run into some snags with the mother company. What should she do next to get back on track?

Denise in Iowa operates her own natural nutrition business (Best4UInc.com). The franchise she originally represented dissolved, so she's now moving ahead on her own. She has very happy customers ... but simply not enough of them. What can she do to fill her pipeline fuller?

Chuck & co-host Kevin Miller, founder of www.FreeAgentAcademy.com, answer emails and talk with their listeners about achieving work / life balance, transitioning from employee to free agent and a brand new tech-focused start-up.

If you're considering self-employment or already there, you MUST listen to this show!

Quote of the Day:

"Have I not commanded you? Be strong and courageous. Do not be terrified; do not be discouraged, for the LORD your God will be with you wherever you go."

~ Joshua 1:9

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Susanne in Kinston, NC is currently employed with kids who want her undivided attention when she gets home. How does she balance the needs of her family with the needs of growing her business successfully?

Magaly in San Antonio, TX has launched her new tech biz www.SwebApps.com that allow people to build and release their own smart phone apps (iPhone, Blackberry, etc) for a fraction of current cost. Way cool!

Lou in San Antonio, TX called to promote her '48 Days to the Work You Love' online webinar starting soon.

Christopher in St. Louis, MO comments on what he's given up to pursue is dream job -- his own business -- including a relationship, grocery budget and having his own place. In the process he's found peace and joy.

Ron in San Antonio, TX helps small and medium sized businesses relate more personally -- and profitably -- with their prospects and customers. How can he market his business with stronger results?

Chuck & co-host Kevin Miller, founder of www.FreeAgentAcademy.com, answer emails and talk with their listeners about the most important technology to use in your biz, creating a podcast following and branding.

If you're considering self-employment or already there, you MUST listen to this show!

Quote of the Day:

"A newly married man must not be drafted into the army or be given any other official responsibilities. He must be free to spend one year at home, bringing happiness to the wife he has married."

~ Deuteronomy 24:5

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Andy in Sioux Falls, SD uses a lot of different technology to run his business, but wants to know what Chuck and Kevin think are the "absolutes" every owner should have in place to operate efficiently and profitably.

Todd in Dallas, TX has developed a very successful podcast (www.RunningMateMedia.com) and wants to know how to turn it into a revenue generator. What steps should he take?

Libby in New Market, AL owns a barbeque restaurant with her husband has a question about creating a logo for her biz. How important is a logo and how should she go about it?

Kevin Miller, founder of www.FreeAgentAcademy.com, co-hosts with Chuck to discuss the very important first 6-12 months starting up your business. Their discussion includes getting paid for teleseminars, getting paid for a service you initially gave away free, how to get started with new ideas and "The Big Tomato" (tune in to learn about that).

If you're considering self-employment or already there, you MUST listen to this show!

Quote of the Day:

"I love the Lord, for he heard my voice; he heard my cry for mercy. Because he turned his ear to me, I will call on him as long as I live."
~ Psalms 116:1-2

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Pierce in TN, has been doing free online teleseminars but wants to know "How do I transition to getting someone to pay for a teleclass?".

Andy in SD says he's been giving people help for free to create interest, but then they balk at paying him for additional services. How does he create loyalty with free and still get paid?

Kevin Miller, founder of www.FreeAgentAcademy.com, co-hosts with Chuck to discuss "How are you wired for success" and "What would help you most right now get more results in your business"? Branding? Gaining confidence? Finding "your thing"? How to get more exposure?

If you're considering self-employment or already there, you MUST listen to this show!

Quote of the Day:

"I have tried hard to find you -- don't let me wander from your commands. I have hidden your word in my heart, that I might not sin against you."
~ Psalms 119:10-11

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Grace in MO, is having difficulty finding her target marget / unique niche. Is there any written guide or outline that will help her to constructively go about that deep process?

Robin in GA says she keeps coming back to a desire to host a one day seminar on relationshps/marriage. But, her biggest fear is to plan and have no one show up. Unbearable! How can she get through her fear?

Pierce in TN (www.SlowDownTheGame.com) thanks Chuck for helping him focus on his "bread plate" (getting ONE most important thing done in his business) rather than be overwhelmed by trying to work on several things at once. It really helped relieve some of the pressure and stress he was feeling!

Craig in TN wants to know how his website (www.SouthernHospitalityConsulting.com) can get more national exposure.

Suzi in TX is teaching a career workshop and needs some help figuring out how to get companies interested in sponsoring it.

Theresa in GA is starting up her small business (www.BurroughCPA.com) working with home-based childcare services and youth-centered non-profits. She's struggling a bit with her branding and positioning and needs so help!

Kevin Miller, founder of www.FreeAgentAcademy.com, co-hosts with Chuck to discuss "First Things First" ~ the power of basic business planning.

If you're considering self-employment or already there, you MUST listen to this show!

Quote of the Day:

"As I learn your righteous regulations, I will thank you by living as I should!"
~ Psalms 119:7

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Shawn in IA, has an idea to start up his own part-time business creating customer advisory boards for companies. He's new (2 months) at his new job and doesn't know how to approach his new boss about it.

Eddie in Canada emails his thoughts about the benefits of staying debt-free with your business start-up and how it can help you make more intelligent, prudent decisions. Amen!

Kevin Miller, founder of www.FreeAgentAcademy.com, joins Chuck again to talk about how to discover THE thing you ought to launch for your biz ... and then the next steps you should take to make it happen.

If you're considering self-employment, you MUST listen to this show!

Quote of the Day:

"Even children are known by the way they act, whether their conduct is pure, and whether it is right."
~ Proverbs 20:11

Cindy in TX, has started up a business called www.5DollarDining.com. She has questions about how to attract an investor and how to market on the internet.

Jay in NB is beginning his life coaching practice. What should he be doing now to get it off the ground quickly?

Brenda in MO also is a budding life coach; her business is called "7 Chapters ~ Life Unabridged". There are many aspects to her services to help women thrive, but how does she focus to determine her "primary thing"?

Kevin Miller, founder of www.FreeAgentAcademy.com, joins Chuck again to talk about the what traits separate a "free agent" from an employee.

Are there really characteristics that make free agents successful? Do you have to depend on yourself to get it all done?

If you're considering self-employment, you MUST listen to this show!

Free download: Simple Strategic Plan

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Quote of the Day:

"Don't just listen to God's word. You must do what it says. Otherwise, you're only fooling yourselves."
~ James 1:22

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Pierce in TN, is a budding sales coach. He wants to know if he should use audio and video to connect with his audience.

Mark in NC is already building his business, and wants to know some specific things he can do to increase his prospect pipeline.

Tiana in WS is a new free agent! What are some tips to managing / balancing her business and family life?

Len in Africa called to update us on his work (he runs two airlines in Africa) and to endorse our work.

Chuck and guest Kevin Miller, founder of www.FreeAgentAcademy.com, talks about the risks and rewards of going "free agent".

Are there truly big risks from doing your own thing? Is there actually more safety in getting a paycheck and benefits?

If you're considering self-employment, you MUST listen to this show!

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Quote of the Day:

"What good is it for a man to gain the whole world, yet forfeit his soul?"
~ Mark 8:36

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Deb in NY, founder of www.MyWiredStyle.com calls in to comment on her view of self-employment.

Grace in MO wants to know the first steps to become self-employed.

Joel in TX wants to know if there are certain questions a person should ask themselves to determine if they can be a successful free agent.

Elias in CO wants to know how he can find time to market and sell while he's busy doing the work.

Mark in NC is looking for some encouragement as he leaves his full-time job to go ... free agent!

Kathy in NY would like to know how to drive more traffic to her website.

West in TN is trying to figure out how to become self-employed within the same field in which he currently works.

Chuck hones in on how to take advantage of (instead of by!) the current economy by starting your own small business. Perhaps you've decided to pursue your passion, or your employer has nudged you out of the nest.

He shares four things you need to know to minimize your fears about becoming self-employed ... and answers his callers questions!

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Quote of the Day:

"Where there is no vision. the people perish."
~ Proverbs 29:18

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Melinda in TX has a twinkle in her eye about starting her own in-home dog training business. She's currently active duty military, very service oriented but has no money. What is Chuck's advice?

Shelly in TX would like to know how to expand her massage therapist business.

Chuck talks about the recent bank stress test and what he thinks we should do about it, four reasons to feel optimistic about our struggling economy and responds to his listeners emails.

Quote of the Day:

"For I know the plans I have for you", says the Lord. "They are plans for good and not disaster, to give you a future and a hope."
~ Jeremiah 29:11, New Living Translation

Archie in TN just found out he's losing his job in 60 days along with about 150 other folks. While it's kind of a relief to him, he wants to know the exact steps to set up a plan to do the work he loves.

Rod in TX uses Quickbooks Home and Business and wants to know if and how he can track his cash purchases within the software.

Dave in TX lost his job at the same time his business has begun to struggle. He wants to know what Chuck says he should do to deal with his debt, perhaps use the equity in his home and make it through this tough spot.

Lisa in FL has a husband who is a master jeweler. He's worked for others his entire career, sometimes making extra $$ by designing custom pieces on the side. They're in the process of creating a website to promote his lines of jewelry: What can they do to drive traffic to their site, and are there ways to create residual income opportunities?

Chuck joins guests Alicia Arenas (www.HRBusinessConnect.com) and Michael Long (www.TheRedRecruiter.com) to build on their discussion from a previous show on how to take advantage of social media in your small business.

Quote of the Day:

"The Lord mocks the mockers, but is gracious to the humble."
~ Proverbs 3:34, New Living Translation

Lori is trying to build her new money-saving network and wants to know how to drive people to her site.

Brian wonders how he can control people who make negative comments toward others on his site.

Chuck talks about some current economic results that suggest our economy is still in a lurch, but with indications that things are staring to get better. Here a are a few:

* The S&P 500 index has been up for 6 consecutive weeks
* The US personal savings rate reached 3.2% the end of 2008, a 7 year high.
* Of the 401k participants that suffered losses last year, 17% say they are investing more aggressively, while 14% are investing more conservatively
* 16.4% of all subprime mortgages are 60 days or more delinquent, while 97.6% of prime mortgages are current.
* 4 out of 5 Americans are either spending less money or saving more money than they were a year ago
* If the current US recession extends into May 2009, it will be the longest (17 months) downturn since the Great Depression of 1929-33 (43 months)
* Nearly 1.2 million debtors filed for bankruptcy in the past 12 months, representing about .4% of all people or businesses in the US. Last month, 130,831 people filed bankruptcy, an increase of almost 46% over March 2008.

Quote of the Day:

"To learn, you must love discipline; it is stupid to hate correction"
~ Proverbs 12:1, New Living Translation

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Robert recently lost his job and is now re-employed, but is making less money. He has $15,000 debt on six credit cards and can't afford the minimum payments on all of them. How should he tackle them?

Lucy has about $20,000 in credit card debt and one recently raised her interest from 8% to 19% because she was late a few times. Listen to here Chuck tell her the best way to deal with her problem.

Teresa is trying to refinance her HEL (home equity loan) and first mortgage into one loan, but the lender says her FICO score is lower than what she's found it to me. What should she do about it?

Rhonda emails that she'd like to pay off her house, but has a lot of other (daughter's college, cars breaking down, medical expenses, etc) that are confusing her about how to attack it. Listen to Chuck as he shares with her how she actually can have it all ... and be totally debt free within a month!

JD emails that his wife just became a flight attendant; he wants to know what they should be doing to take best advantage of it on their taxes.

Beth emails her question about how to overcome the negativity she feels in her business over having to "sell" someone on her services.

Stefanie emails asking Chuck for tips to make new contacts for her business. She's a web designer and networking and cold calling is hard for her. What are Chuck's ideas?

Guests Alicia Arenas (Founder, Sanera and HRBusinessConnect.com) and Michael Long (TheRedRecruiter.com) join Chuck to talk about the ends and outs of the new 'big thing' in small business ... social media. We discuss Twitter, Facebook, LinkedIn, blogging -- you know, how to have a conversation with your prospects and customers and not just talking at them.

Quote of the Day:

"Even if you're on the right track, you'll get run over if you just sit there."
~ Will Rogers

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Terry and Cyndy have started up a new venture called 5DollarDining.com. How can they best use Social media to maximize their business?

Bill owns a soap and lotion business (Golden Rule Soaps). He started up well, but has slowed down dramatically to the point that he's barely covering his expenses. How can he pump up his biz?

Chuck joins guest Ken Anders (Anders & Harman CPAs) to talk about changes that may affect your filing in 2008 & 2009, common mistakes individuals and businesses make, and take a few questions from our listeners.

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Paul would like to know the pros and cons of incorporating a small business.

Tim is a young, aspiring minister and feels led to begin a church. He would like the church to be part of his denomination, but unsure what being included with them would mean to his ministry efforts.

Chuck talks through 7 things to think through if you're considering ditching your mutual fund(s), and helps callers with their personal finance and small business start-up questions.

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Debbie financed a van 15 years ago that they eventually lost to a voluntary repossession when both she and her husband lost their jobs. Now, the original debt has grown to over $45,000 and they're still being pursued by collectors. What can they do to get this off their back?

Deborah calls in from Alberta, Canada to ask about starting up her new consulting business. She's put out her shingle, met with a couple of prospects ... and they want to work with her! The only problem is that she doesn't have a clue what to charge them. What are Chuck's thoughts?

Ilene is expecting a $13,000 windfall soon and would like to know what her strategy should be to take the best advantage of it. She has some debt and no liquid savings right now.

Chuck goes over the current environment for starting a small business, how to create your own personal brand and niche, and what it should say about your biz. And of course, he takes several calls and emails!

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Tom is working hard to accelerate success in his business. However, his results have come slowly because he's perhaps being too tight with his budget -- and ends up doing things others should do. How can he make better decisions?

Bob is 54 and was laid off last year and went through a lot of savings. He's getting close to being debt free and wants to know how to save for the future, but is concerned about the stock market. What should he do?

Bethany is trying to build a popular blog and networking site. How can she create interest and drive traffic?

Chuck and his guest, business attorney Matt Spahn, talk about the current outlook for small business, what they should be doing right now to be more successful and helps callers with their questions.

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Maria co-signed on a $70,000 government farm loan with her now deceased ex-husband. She's now being hounded by collectors. What are her options?

Scott owns a financial services business. He has a limited marketing and advertising budget and wants some insights how how he can make the most of his $.

Chuck discusses how small business owners can identify their ideal customer and niche. What do your prospects and clients REALLY want? He also dispenses wisdom to our listeners.

Verse of the Day:
"If you reject discipline, you only harm yourself; but if you listen to correction, you grow in understanding." ~ Proverbs 15:32

Quote of the Day:
"The wages of sin are unreported." ~ Unknown

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Melinda is visually impaired and on Social Security disability. Her SS checks have been garnished to pay on a $72,000 college loan debt that has been in default (it was originally $27,000). What can she do?

Diane has been working with a financial planner on funding her kid's college education. Her home is paid for and her planner is recommending she mortgage her home and put the proceeds in whole life policy to help her qualify for financial aid. What does Chuck think?

Colton is 23 and starting a house painting business. He is successful in creating interest, but is having problems once he shows up to deliver a quote and begin work because his prospects are concerned with his youth? How can he overcome this challenge?

Steven is concerned with the low interest paid on his money market account. What does Chuck think about it as part of his retirement plan?

Leona has an online business and is advertising with YellowPages.com. Her website traffic is increasing, but she's not able to convert them to customers. Does Chuck have any ideas to convert her prospects into customers?

Chuck shares his insights about some good websites for specialty job hunting. Don't hide behind them though! You need to get out there and do a lot of good old-fashioned networking. Chuck also answers several calls and emails on both business and financial topics. Listen in to hear about his Simple Strategic Business Plan and download it below.

SimplyHired.com - jobsite aggregator
Indeed.com - jobsite aggregator
BioSpace.com - geared toward science and biotechnology
Idealist.org - non-profits
WorkForce50.com - job seekers 50+ and older

Chuck's Simple Strategic Business Plan

Chuck shares his opinion on the growing unemployment situation, the stimulus package and how debt is killing the country and American households. He shares his three steps you should be taking now and helps callers with their financial questions.

Verse of the Day:
"Better to have little, with godliness, than to be rich and dishonest." ~ Proverbs 16:8

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Blanca was contacted by a company trying to get her to sign up for a service that will find her government grants to pay her personal expenses. Is it legitimate and should she do it?

Steve has a TSP (Thrift Savings Plan) as a government employee. How should he be allocating his funds? Also, he owns gold and silver investments and wants to know Chuck's opinion on them. Should he sell?

Mike is leaving his current company and wants to know what he should do with the $100k in his 401k.

Chuck's friend and business attorney Matt Spahn joins him to talk with you about important considerations in forming your business entity. The also talk about the nuances of both your type of business (entity) and how you are viewed by the IRS for tax purposes.

If you have a business or thinking about starting one up, you'll get a lot of great info here!

Verse of the Day:
"Riches do not endure forever, and a crown is not secure for all generations." ~ Proverbs 27:24

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Robert has a handyman business and won't get a W-2 from his customers. How does he handle his taxes when it's time to file?

David in Nashville, TN does contracted work with music publishers and is a sole proprietor. Should they be making out their checks to him personally or in his business name?

Paul has seen situations where having an LLC didn't protect an individual against losses. What are Matt's thoughts on this?

Ron in Sydney, Australia is thinking about purchasing a residential cleaning franchise. Considering the present financial crisis, does Chuck think its a good time to start a business?

Real Estate professional Kevin Crawford joins Chuck to tell you what you need to know to get your home sold in this tough market ... right now! Also, they talk about how to find a great deal on a home.

Later in the show, Chuck talks with Kevin about how he's building and growing his small business very successfully. Listen in, there are some great tips here!

Verse of the Day:
"What I'm trying to do here is to get you to relax, to not be so preoccupied with getting, so you can respond to God's giving. People who don't know God and the way he works fuss over these things, but you know both God and how he works. Steep your life in God-reality, God-initiative, God-provisions. Don't worry about missing out. You'll find all your everyday human concerns will be met." ~ Matthew 6:33 (The Message)

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Ann is selling her home and wants to get top dollar. Is it better to give a flooring allowance or replace the floor before the sale?

Lou has a home-based business in her 3rd year as a commercial and creative writer. How can she be more effective and really pump up her results?

Mary wants to know how real estate agent contracts work.

Unemployment is rising dramatically, the economy is sputtering and unrest seems to be all around. So, contrarian Chuck thinks 2009 will be a great year (just like 2001-02 after 9/11) to start a small business!

Listen and hear Chuck profile a successful entrepreneurs and answers questions from folks -- just like you -- starting up and growing their small businesses. You'll learn that successful small business owners are:

* Optimistic & self-confident, yet coachable
* Persistent with a high stress threshold
* Good problem-solvers
* Prudent risk-takers
* Average intelligence, but with a high "CS" (Common Sense) factor
* Good reputation in their field
* Handles money well; often aligns with and learns from a good money manager
* Identifies and surrounds themselves with good people ... and knows how to retain them
* Creative
* Most are good leaders
* Diversify their income streams

Verse of the Day:
" Timothy, guard what God has entrusted to you. Avoid godless, foolish discussions with those who oppose you with their so-called knowledge." ~ 1 Timothy 6:20

Lou is having trouble dealing with late-paying clients. They sign an agreement to per terms, but she finds herself having to follow-up to remind them. What does Chuck think she should handle this, considering they are so important in the early years of a new business?

Trish has an opportunity to place some of her art work in a local shop. How can she price them so they will sell, and make both she and the owner a fair profit?

Terry had a handyman business years ago and is now thinking about starting it up with others helping him do the work. What are Chuck's ideas about how to do this?

Steve has owned a personal real estate business for ten years. He's taken a "by referral only" vs. a lead generation approach, but his business is stagnating in the current market. Steve doesn't want to switch gears in his approach, so how can his team generate more referrals quickly?

Bill is a realtor and his business has slowed. What does Chuck think about him buying a rental property to generate additional income?

Nora owns a coffe shop and is doing fine on the weekends with her tourist business. However, she'd like to increase her traffic during the week. What is the best way she can advertise?

Chuck dedicates the show to personal finance and opens up the phones to all sorts of questions. He also talks a bit about how a recent study shows that 6 out of 7 folks are staying the course with their 401(k) investments and that we should continue to see breaks on our natural gas heating and gasoline expenses.

Verse of the Day:
"Then he said, “Beware! Guard against every kind of greed. Life is not measured by how much you own." ~ Luke 12:15

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Chris hasn't filed taxes in 10 years, and is worried about a small business he closed in 1997 that he may owe on as well. What should he do?

Caroline has some CDs and wonders if it's a good place for her money right now. Once Chuck begins to listen to her story, he realizes there's a much bigger problem going on ...

Susan wants to know if Chuck can recommend a website where she can file her taxes for free.

Linda has a variable rate parent student loan for $12,000. What are her options for re-financing?

Ibuenfil's husband never paid child support. She's 72 and doesn't know how to locate him or even if he's still alive. Chuck gives her some great information about how to go about locating him and how she may be able to draw on his Social Security.

Omar's employer recently stopped matching his 401(k) contributions. What should he do now?

Sonia emails her question about whether should she have a down payment for their first home. They've lived in an apartment for ten years and are ready to own!

Chuck inspires all of you dreaming about starting up your new small business to make 2009 the year you actually do it! There are currently almost 27 million small businesses in the US ... so why not you?

This is the first in a series of shows to kick off 2009 focusing on small businesses and how entrepreneurs can grow them to profitability.

Verse of the Day:
" So let’s not get tired of doing what is good. At just the right time we will reap a harvest of blessing if we don’t give up." ~ Galatians 6:9

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Mike is trying to get his personal fitness business off the ground in '09. His advertising isn't getting results, so what does Chuck think he should be doing differently?

Tony has owned a cookie distributorship for the past 20 years. He's thinking about expanding his territory this year and maybe hiring some employees, so what how does Chuck think he should go about it?

Chuck talks about the recent changes to the federal credit card rules that promise to help overhaul the industry (but they're not coming soon enough!), some stats about how most Americans are drowning in credit card debt -- and helps out several callers and emailers with their questions.

Verse of the Day: " Fear of the Lord is the foundation of true knowledge, but fools despise wisdom and discipline." ~ Proverbs 1:7

Nellie is starting a new job soon and wants to know what options she has with her old 401(k).

Mike is considering buying a guaranteed variable annuity. What are the downsides to them?

Terry will begin drawing his pension shortly (while still working there -- alright Terry!) and asks Chuck how to decide to take a lump sum distribution or a monthly payment option. If he takes a lump sum, what should he do with it?

Mark wants to know what is the garnishment law in the state of Texas?

Chuck talks about planning YOUR success in '09, including how to recession-proof YOUR household, his thoughts on the automobile bailout (why in the world does it take American auto makers months and millions of $$$ to do what Honda can do in minutes) and answers his callers most pressing questions.

Verse of the Day: "Whatever you do, do well. For when you go to the grave, there will be no work or planning or knowledge or wisdom." ~ Ecclesiastes 9:10

Fernando is very conservative and has done a good job with his finances. He's now thinking about buying more rental property. What does Chuck think about his plan -- approve or denied?!

Kristina and her husband review their family budget yearly for opportunities. Does Chuck have any ideas on how to tighten it up?

Tony recently read a Forbes article about the devaluing of the American dollar. Is it a smart time to buy rental property, and if so, how should he go about it?

Oscar is in sales and worried about company cutbacks. Should he begin now to look for another job?

Chuck talks with Health Coach Sarah Treat (Master's in Nutrition, Certified Clinical Nutritionist) about how metabolism affects our health. Sarah shares the health problems and diseases associated with a sluggish metabolism, and "The Answer" to long-term improvement based on key choices we can make.

Check out Sarah's website www.SarahTreat.com. Contact her for a complimentary consultation ... just like Lori and I did. We're loosing bad weight -- and increasing our energy!

Verse of the Day: "As the deer pants for streams of water, so my soul pants for you, O God." ~ Psalm 42:1

Caller - I really need to lose weight, but don't know where to begin. All my family has health issues, including my mom with fibromyalgia. I cook mostly at home. Can you tell me where to start?

Caller - Because of medications I need to take, I've developed B-12 anemia. By the afternoon, I'm really running low on energy. What are some things I can do to turn this around?

Chuck talks about how the housing market is favoring renters, what to expect and how to transition from traditional employment into your own business, the basics of creating a business plan and helps several emailers with their business questions.

Verse of the Day: "“Beware! Guard against every kind of greed. Life is not measured by how much you own." ~ Luke 12:15

Email - I've had a part time business for the last 25+ years, and now my employer is getting into the same business. I'm going to have to choose one or the other. What would you recommend to me?

Email - What are some signs that it's time to go full time with your business?

Email - Looking inward and discovering myself has been much tougher than I thought, but now really appreciate how important it is. Now that I'm honing in on the specifics of me and the best business that fits me, how do I create an executable action plan?

Chuck talks about the declining value of the college degree (hint, it's not enough to focus only on the sheepskin!), where to begin discovering your calling (Hint: it has to do with the 4 Ps), and responds to several calls and emails.

Find out more about salaries and what others say about their CEOs:

* www.Glassdoor.com

Verse of the Day: "If any of you lacks wisdom, he should ask God, who gives generously to all without finding fault, and it will be given to him." ~ James 1:5

Caller - My aging father is thinking of buying me a home. Is it better to finance it instead or have him purchase it outright in his name?

Email - I just interviewed for a job, but didn't get it. Why do you think they decided to hire from within?

Email - I've been a realtor the past 16 years. With the difficulties going on in real estate the past year, my wife thinks I should get a J O B. How can I discover my calling?

Caller - I have about $25,000/yr to put into investments. I'm also planning to retire within the next six years. What advice can yo give me?

Chuck gives you the scoop on the new tax credit for first time homebuyers (beware, there's something different about this one!), making your four step gameplan when financial times get tough (like ... now!) and what you should be doing with your investment portfolio. He also helps several callers and emailers with some pretty interesting questions.

Find out more about student loan debt forgiveness:

* www.StudentAid.ed.gov

Verse of the Day: "If you have not been faithful to what is another man's, who will give you what is your own?" ~ Luke 16:12

Caller - I have about $4,000 in payday loans and I can't get ahead. What can I do to get out from underneath this heavy load?

Email - If I die, will my estate be responsible for repaying my student loans?

Caller - How do I set up a college savings plan for my one year old granddaughter?

Caller - My boss owns a large portfolio of rental properties. However, she's having big trouble paying all her bills. What can I tell her to help her turn this situation around?

Back to 'The Chuck Bowen Show' archive page at www.chuckbowen.net

Chuck gives you an update on where you'll soon find "Internet-on-the-go", looking out for great laptop deals, how to get FREE online criminal background checks, and answers several personal financial and career questions.

Free online criminal background search websites:

* www.CriminalSearches.com
* www.ZabaSearch.com
* www.FelonSpy.com

Verse of the Day: "Both you and these people who are with you will surely wear yourselves out. For this thing is too much for you; you are not able to perform it by yourself." ~ Exodus 18:18

Caller - I'm starting a new business. How to I ensure it fits my personality style?

Email - Will I be responsible for joint debt if my ex-husband files bankruptcy? (click here to read Chuck's complete response)

Email - Should my friend repay their 401k loan?

Caller - Can you help me with strategy to pay for my highschooler's college? Also, how can we teach him to manage his money well?

"The Medicine Coach" Dr. West Conner joins Chuck to share a cornucopia information on how to save money on your prescription drugs. Currently U.S. citizens pay more than $300,000,000,000 every year on prescriptions. Through his "Center for Integrative Pharmacy", Dr. Conner not only helps us save at the pharmacy but also to walk away from prescription drugs and into a healthy lifestyle.

Get "How to Save Money on Your Prescription Drugs" by Dr. West Conner at www.MedicineCoach.com.

Verse of the Day: "Don't think you are better than you really are. Be honest in your evaluation of yourselves, measuring yourselves by the faith God has given us." ~ Romans 12:3

Caller - Do you have a generic recommendation for Lamictal?

Caller - Can you give me an alternative to Lotrel?

Caller - Can you please explain what the body pH is and can I control it?

Caller - I have to take medication for excess acid. Is their a natural alternative?

Caller - I've had heel pain for 9 months; is there any insights you may give me regarding what may be causing it?

Chuck talks with Danny Kofke, author of "How to Survive (and Perhaps Thrive) on a Teacher's Salary" about their phenomenal results (pay off $11,000 in debt and save $81,000) on an average income. Also, Chuck tells you how to be sure you have enough insurance coverage on your home -- and how to save a ton of money doing it -- as well as how to pursue the work you love.

Get "How to Survive (and Perhaps Thrive) on a Teacher's Salary" by Danny Kofke from Amazon .

Caller - How did you decide to be a life & career coach, and then go about pursuing your calling in life? What is the process to to discover my life's work?

Chuck's wife Lori joins him to share their "insider" tips on how to run a debt-free household. They'll inspire you to get your house in order when they talk about how they one day found themselves owing more than they made in a year (not including their home) and turned it around -- ultimately not only paying it off but also their home too! Lori will also tell you how to save a ton on eating out, groceries, clothes and more.

www.TheBirthdayRegister.com
www.FreeKidsMeals.com
www.E-Mealz.com
www.Restaurant.com
www.eBay.com
www.Entertainment.com
www.Craigslist.com
www.AAA.com

Caller - My daughter and I need new glasses, but I'm on a budget. Can you help me find an efficient, less than over the moon $$ place to have reliable eyewear made for us?

Caller - Can you please repeat the great websites you mentioned for saving on food?

Caller - I'm a doctor and would like to share a great idea for a quick and easy kid's breakfast to send them on their day healthy and happy.

Email - How do I choose good investments and the percentages for each within my 401k?

Email - Should I close credit cards that have zero balances on them that I no longer use?

Caller - Shares where he gets good deals on clothes.

Chuck's staff Certified Financial Coach Ray Longoria joins him to talk about how to thrive in these tough economic times. A recent Bloomberg report found that 80% of folks believe the economy will either stagnate or get worse over the next 12 months; only 20% believe it will get better. There may be a recession going on in America, but you CAN recession-proof your household ... and we'll tell you how!

Caller - We're debt free! My husband and I paid off $30k in 2 years even though I quit my job and became a stay at home mom.

Testimonial from Don (our call screener) - My daughter and son-in-law had a emergency automobile situation, but figured out how to avoid borrowing more money to replace the vehicle. He's so proud of them!

Testimonial from Jason (our show engineer) - My wife and I were in a big financial mess and never talked about our money. Now after going through coaching, we've paid off over $20k, talk easily about our money ... and manage it all in about 20 minutes a month. Thanks Chuck and Ray!

Caller - We owe $35k and have a household income of $75k. Where should we begin?

www.ohsmallgroups.com - Oak Hills Career Transition Workshop
www.steveandbarrys.com - Steve and Barry's store

Chuck tunes you into a recent scam you need to know about, cheap chic -- and where to find it, and responds to callers and email. Also, Pat Harper from Max Lucado's Oak Hills Church joins us to discuss their free Career Transitions workshop

Verse of The Day: "Riches and honor are with me, enduring riches and righteousness." ~ Proverbs 8:18

Email - My husband and I are becoming overwhelmed with our debt, particularly a large credit card payment we can't make. We've had debt management companies recommended to us; what is the best strategy to take to get out of debt?

Caller - I made a career move to prepare for retirement and became a teacher. Now, my retirement will offset the Social Security I'll receive. I also need to get out of debt. What should I do?

Email - In light of today's economic climate, what are the best products to sell, or business that will best serve people's needs?

Email - What is your business advice or suggestions when it comes to best dealing with your competition?

Chuck talks about how Harvard University has introduced a financial aid overhaul that will dramatically reduce tuition for approximately 95% of all families in the U.S. (providing, of course, that you can get accepted!). For families with household income below $60,000 ... it's free! Also, listen to learn what kind of insurance policies are rip-offs and should be avoided -- at any cost!

Verse of The Day: "Receive him forever, no longer as a slave but more than a slave -- a beloved brother, especially to me but how much more to you, both in the flesh and in the Lord." ~ Philemon 1:15, 16

Caller - My mom is 75 and has $60k in a maturing CD. She lives on SS income. Can you give me guidance on what to advise her to do with her money?

Email - I have some very old credit card debt (> 10 yrs). How can I clean this up without being overwhelmed with creditors?

Caller - I'm a bus driver and my wife homeschools our 2 children. My income is $30,000/yr, and is irregular. How can we improve our financial situation ASAP?

Caller - Where debt free except our home and give generously. How should Christian approach building wealth? Is it Godly to save for our future?

Caller - My husband was using cash to pay his business bills, but was convinced to put his money into several bank accounts. Now, we're overdrawing and having trouble managing the accounts. What should we do?

Jill Howell, President of N2College Consulting joins Chuck to talk about what you and your child should be doing to maximize their ability to win college scholarships and other financial support. We review strategies and tips for your 8th-12th grader, as well as for your child that may already be a college student.

Verse of the Day: John 10:10 ~ "I have come that they may have life, and that they may have it more abundantly.'" Jesus wants us to have the richest, fullest life we could ever imagine.

Caller - My senior is graduating very soon. Are there any special programs or websites to help find available scholarships?

Caller - My son had an ROTC scholarship, but was injured during bootcamp and now out of the program. Are there scholarships or awards for kids already in college?