C.H. Brown - December 2022

Take a look at our December newsletter!


307-322-2545 • CHBEF.COM

A Holiday Message

Warm Christmas and New Year’s Wishes

The long-awaited holiday season has arrived, and we could not be more excited to take a few days off to celebrate with our family, friends, and loved ones. After all, the holiday season is the best time to focus on family and togetherness. In the days leading up to Christmas, Hanukkah, Kwanzaa, or any holiday celebration (and the days thereafter, too), take the opportunity to enjoy those you hold dear and create lasting memories.

with a successful and productive 2022. As we have continued to feel the effects of the pandemic, navigating a new normal with all the changes has been challenging. With the promise of a new year on the horizon, we offer hope for much happiness, love, good health, and prosperity. May you accomplish great things and experience new heights. This new year, what goals are you setting, both personally and professionally? What destinations would you like to venture to? Are there any new hobbies or experiences you’d like to explore?

With all of the excitement, events, shopping, cooking, and holiday activities, this time of year can get hectic pretty quickly. Whether you admire the beauty of Christmas lights, attend a holiday party, make a gingerbread house, bake holiday cookies, watch a Christmas movie, or do some holiday shopping, relishing in these activities together with your loved ones is what the season is all about! As we bid farewell to 2022 and welcome 2023, it’s time to look back on the past 12 months, which have been difficult for many. We hope you/your company concluded

Whether you choose to drink more water, work out three times a week, lose 10 pounds, or learn a new skill or hobby, keep in mind your friends and family here at CHB are backing you up and cheering you on! Make 2023 your year! From our CHB family to you and yours, merry Christmas and happy holidays! We wish you a healthy and prosperous new year! –Kit West & Ed Meyer

“After all, the holiday season is the best time to focus on family and togetherness.”




Simon Sinek To grow your business, you must become a successful leader, but what does that look like? Simon Sinek has written books like “Start With Why” and “Leaders Eat Last” to help train entrepreneurs so they can become successful leaders.

When entrepreneurs prepare to start a business or try to grow their company, they often search for advice from other successful entrepreneurs. So much information about the business world is available in a plethora of genres. Regardless of whether you head to the bookstore to buy a new book or navigate to YouTube to find helpful videos, it can be overwhelming. With all of these options available, you may wonder, “Which entrepreneurs or business owners are actually worth listening to?” While recently talking with successful entrepreneurs about which people inspired and taught them important lessons, the same few names came up repeatedly. So, according to leaders across various fields, here are three business owners you should learn from if you want to grow your business. Darren Hardy It’s rare to meet a business owner who has not heard of or read one of Darren Hardy’s books. The author of “The Compound Effect” and “The Entrepreneur Roller Coaster” has been a leader in the personal development industry for over 20 years. Hardy is the developer of award-winning training programs for entrepreneurs and is the founder of SUCCESS magazine. He even prides himself on mentoring new business owners and helping them find success.

Whether you watch his online talks, listen to his podcast, or read one of his books, Sinek will inspire you to build a business that you will truly believe in. Mel Robbins

Procrastination is one of the greatest obstacles entrepreneurs can face. They might have great ideas in mind, but getting them started can often be a real challenge. That’s where Mel Robbins comes in. She struggled with procrastination for years, racking up hundreds of thousands of dollars in debt before she found the secret to overcoming her problems. Luckily, she shares her thoughts in her book “The 5 Second Rule” and has given helpful information through numerous speeches. Now she’s using her previous hardships to help other business leaders avoid making all-too-common mistakes. Don’t Go Broke for the Holidays 4 STEPS TO CREATING A CHRISTMAS BUDGET

Shop for Christmas on a budget. 1. Look at last-minute sales: Tons of retailers will offer holiday sales as we get closer to Christmas. So be on the lookout for stores that mark prices down as St. Nick prepares for his journey. 2. Recycle gift cards: If you received a gift card to a store that you never used (or forgot about), re-gift it this year! Just be sure the card hasn’t expired. 3. Go thrifting: You can find great gifts at your local thrift store. Depending on where you go, you can get clothes, books, silverware, furniture, gadgets, and more. Christmas shopping can be stressful, but by creating a budget and sticking to it, you will survive this holiday season like a pro.

Before you head to the mall or add items to your shopping cart online, you want to ensure you have enough

regular monthly costs, including housing, utilities, groceries, and internet. This also includes cars, credit cards, insurance, and other monthly payments. Be sure to add any streaming or subscription fees to this total. 3. Find out how much money you have left over: Subtract your total expenses from your monthly income. The number you get will be the money you have left

money to cover your monthly expenses and buy your loved ones Christmas presents. You may feel overwhelmed about your finances and how you will manage to buy gifts. But if you create a Christmas budget, you won’t break the bank! How do you create a Christmas budget? 1. Write down your monthly income: The first thing you want to do is tally up how much money you bring in each month. This lets you know how much money you have before you take out your expenses.

over for discretionary spending, such as dinner out, a concert, or Christmas presents. But make sure you leave some wiggle room for any unexpected costs.

4. Plan out how much you want to spend on Christmas gifts: Write out whom you want to get gifts for and how much you want to spend. Track your spending as you go to ensure you don’t overspend or forget to buy someone a gift.

2. Write down your monthly expenses: You want to tally up the total amount of



No-Bake Peanut Butter Snowballs

Inspired by TheFoodieAffair.com


• 1 cup powdered sugar • 1/2 cup creamy peanut butter • 3 tbsp softened butter • 1 lb white chocolate candy coating



1. Line a cookie sheet with parchment or wax paper. 2. In a medium bowl, combine powdered sugar, peanut butter, and softened butter. Mix until evenly combined. 3. Shape the mixture into 1-inch balls and place them on the lined cookie sheet. Chill in the refrigerator for 30 minutes or until firm. 4. In a microwave-safe bowl, melt white chocolate candy coating in increments of 30 seconds, stirring occasionally until smooth. 5. In the same bowl, use skewers to dip peanut butter balls into the chocolate before placing them on a lined cookie sheet so they can harden. 6. Chill until ready and then serve!

As the equipment finance industry is always in a constant state of change with new and innovative features — we here at CHB embrace the classic ways of doing business. We answer the phone in person, respond to emails in a professional manner, and embrace the Cowboy Code of Ethics in everything we do. By doing business this way, our brokers have access to professional insights and a sounding board when questions arise. Even if the deal or situation is not ours, you are able to find the right questions to ask and receive solution-oriented guidance, as that unbiased third-party input — you have a friend here at CHB! Speaking of change, as we close out 2022 and enter 2023, we have some changes worth noting. In 2023, we can expect to see interest rates continue to increase. With that, the Class 8 semi-trailer’s deductibles will see an increase of $1.5K (from $1K to $2.5K).

Take a Break

Beginning in the new year, here are a few new updates. In the state of Louisiana, we will now be financing all motor vehicle power units. Second, for all Class 8 (OTR) trucks that were built since 2016, we will add 12 months of additional terms. Lastly, we have rolled out a new Total Fleet Financing Program for both new and used trucks. Details can be found on our website at CHBEF.com. With so many new changes and updates on the horizon, we are here to answer any questions and assist in any way possible. You can reach us by email or at 307-322-2545.







C.H. Brown Co., LLC A PLATTE VALLEY COMPANY 20 W. Frontage Rd. • Wheatland, WY 82201 307-322-2545 • chbef.com


1 Merry Christmas and Happy Holidays 2 Great Advice From 3 Entrepreneurs 2 How to Christmas Shop on a Budget 3 No-Bake Peanut Butter Snowballs 3 Changes in 2023 4 Thank-Yous and Holiday Closures

As a reminder, CHB will be closed on Monday, Dec. 26, in observance of the Christmas holiday. We will have normal HOLIDAY HOURS

We offer a heartfelt “Thank You” to all of our broker referral partners for a successful 2022 — you are the real MVPs! While the final numbers haven’t been calculated, CHB exceeded its funding and portfolio goals for the year and experienced approximately 30% year-over-year NBV growth. We couldn’t have done it without great teammates who trust CHB and operate from a cooperative mindset! How lucky we are to be partnered with the best!

operations/hours on Friday, Dec. 23, and Tuesday, Dec. 27. We will be closed on

Monday, Jan. 2, in observance of New Year’s Day and will

resume normal business hours on Tuesday, Jan. 3.



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