Take a look at our December newsletter!
DECEMBER 2021
307-322-2545 • CHBEF.COM
Recognizing a Year of Growth and Connection Celebrating 2021
Merry Christmas and happy New Year from the entire CHB team! They call this season the most wonderful time of the year for
a reason; it’s a season for reflection, appreciation, and connection with those who have a big role in our lives. It’s an opportunity to enjoy life at a slower pace and indulge in some fantastic holiday food, too. And during this season, while we fill up on delicious baked goods, we can’t help but be filled with gratitude and appreciation for everyone we partnered with this past year. Thank you for your business in 2021, and we are very appreciative of those who referred or sent business our way in the past year. To
“We can’t help but be filled with gratitude and appreciation for everyone we partnered with this past year.”
and partnership with many of our brokers. It’s been an honor to foster greater relationships and opportunities for the people we serve. In particular, the Broker Weekend was great fun (and informative), and we can’t wait to do it again next year!
On site, we were able to do a few building upgrades that have created a better work environment for employees. Most notably, we added concrete to the parking lot to cover the gravel that was previously there, and we added a sidewalk for easier front- door access. We don’t have to worry about sweating in the afternoons, either! We added tinted windows to the office to block those hot rays of sunlight in the afternoon. We also added an upgraded fire system, and we added some new artwork. It really spruces up the place! As we enter 2022, we can’t help but wonder what the new year will bring. After continually making post-pandemic strides, greater connections to our brokers, and improved working conditions for our employees, it’s hard not to be excited about what’s in store for 2022. We can’t wait to build on this year’s accomplishments and continue doing more for our brokers and our team. We hope you and yours have a healthy, happy, and very merry holiday season. May it be filled with family and a bounty of good times, good food, and even better memories.
put it simply, we wouldn’t be here if it weren’t for you. Our customers and the people we serve allow us to support families in our community and provide work we are passionate about. It’s a great gift, and we cannot thank you enough. As we celebrate the end of another year, we would be remiss if we didn’t mention a few of the accomplishments we achieved in 2021. Looking back on the past 365 days was nothing short of nostalgic, and it’s amazing to see how far we have grown in just one year. This was a pivotal year for planning and development. We created and implemented a five-year plan that we are confident will help CHB grow. We also launched an exciting trailer-only finance special, recognizing a tremendous need among our brokers for specialty deals and offers for their clientele. These were exciting new additions to our lineup of services. We also provided greater connection to our brokers in 2021! Thanks to our third planned — technically second annual because of the pandemic — Broker Weekend and sharing quarterly broker data, we expanded our communication
–The CHB Team
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THINK BETTER WITH ADAM GRANT’S ‘THINK AGAIN’
A Better Mindset for Growth
Think about the sting you feel when you are proven wrong. It hurts, doesn’t it?
to interact with those who propose a new way of thinking.
But what if it didn’t have to? Better yet, what if it shouldn’t?
Regardless of our attempts at humility, humans’ egos have inflated, and we are all conditioned to believe that being wrong somehow equates to being a bad person. However, renowned author and psychologist Adam Grant challenges this notion in his New York Times bestseller, “Think Again: The Power of Knowing What You Don’t Know.” With today’s divisive climate, Grant argues that we hold our beliefs up like a badge, illuminating them so brightly that we become blind to other truths or realities. Far too often, our mindsets focus on what is black and white, rather than understanding the gray nuances found in between. In “Think Again,” Grant’s third book, he argues that as rapidly as we get information in today’s digital world, we cannot be expected to fully know all of it. Being wrong is part of human nature, but as we gain more accessibility to information, we must be willing to do two things: rethink and unlearn.
By doing so, Grant asserts that we can speak and argue with
conviction while actually engaging and listening to arguments as if we are wrong. This allows us to learn, engage, and grow.
In “Think Again,” Grant asks readers to consider better ways to approach their steadfast beliefs. Readers will find amusement in Grant’s real-world examples of turning skeptics into believers within a variety of topics. And, through these examples, readers will discover new ways to listen so they can gain a greater understanding of the world around them.
You can pick up your copy of “Think Again” and other books by Grant from an independent book retailer or by visiting Amazon.com.
Grant challenges readers to stand in the discomfort of being wrong, celebrate that there is something new to learn, and challenge themselves
See Sales Grow WITH 4 LEAD NURTURE MUST-DO’S IN 2022!
Be Consistent: Far too many businesses give up after three or four lead generation tactics because they “haven’t seen a response.” Nurture takes time! You wouldn’t expect a newborn to walk — why are you expecting your prospects to invest after such a short time? Commit to the long game, and you will gain the right customers who are excited to work with you! Use Multiple Techniques: In today’s digital age, you may believe email is the best way to put your message at the forefront of your prospects’ minds, but that’s the wrong approach. Your prospects get hundreds of emails every day — what’s going to make yours so special? (It probably won’t be.) You also have to target them with direct mail, phone calls, and freebies. Hit them on multiple levels, allowing your business to stand out from the crowd. Track: Once you make a sale, ask the customer what motivated them to buy from you. How did they hear about you? What platforms did they enjoy? This information can help you track what’s working and what isn’t, allowing you to invest properly in your lead generation campaign. Furthermore, track open rates, responses, and phone calls after you release a lead nurture message. This data is invaluable.
People want to do business with people they trust, and you can’t form a strong relationship after just one interaction. It takes time to build a connection with potential and current clients, and the more you put into these relationships, the more you will get out of them. When lead nurture is one of your top sales priorities, you land better sales, generate more customers, and create lasting partnerships that spawn referrals and more money spent.
If you’re ready to get started, don’t forget these four tips.
Automate: There’s no reason lead generation has to require extra work, even if it is a top priority. Set up weekly or monthly email messages, newsletters, postcards, celebration cards, and coupons that directly put your information in your potential consumers’ hands. This constant drip ensures you are always communicating with your leads without much effort.
Lead nurturing should be a big component of your business in 2022. We promise the effort will pay off!
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2 Changes to Know About in 2022 Updated EFAs and Premiums
Inspired by TastesBetterFromScratch.com DIY HOLIDAY EGGNOG
INGREDIENTS
• 6 egg yolks • 1/2 cup sugar • 1 cup heavy whipping cream • 2 cups milk
• 1/2 tsp nutmeg • 1 pinch salt • 1/4 tsp vanilla extract • Cinnamon and whipped cream, for garnish
As we finish 2021 and look to start 2022, we are excited to announce a few changes to our forms and operations at CHB. Each of these changes has been made with our clients in mind and with the understanding that while transition periods can be challenging, they are often worth the effort. Note: If you have questions about any of the following changes, please give our team a call today! Updated Rate Offers One of the biggest changes in 2022 comes by way of an Equipment Finance Agreement (EFA). The new EFA, which will continue to be provided electronically to both brokers and applicants, will incorporate the Buy-Sell Rate method and increase lending transparency. In the past, there was limited flexibility with our interest rates, but with the new year, brokers will be able to negotiate with their clients terms for more satisfactory results. Similarly, a new Terms Sheets will be introduced in January to accommodate the Buy-Sell method.
DIRECTIONS
1. In a medium bowl, whisk the egg yolks and sugar until light and creamy. Set aside. 2. In a saucepan over medium heat, stir together the cream, milk, nutmeg, and salt. Bring to a simmer. 3. Add a spoonful of the milk mixture to the egg mixture. Whisk vigorously and repeat, one spoonful at a time. 4. When most of the milk is whisked in, add the egg mixture to the saucepan. 5. Whisk until the liquid thickens slightly or reaches 160 F. Remove from heat and add vanilla extract. 6. Pour the eggnog into a glass container and cover. Refrigerate. 7. When the eggnog has thickened, pour it into glasses, garnish, and enjoy!
Take a Break
Changes to Early Pay-off To remain competitive and continue with industry standards, CHB is updating our early payoff premiums for those who pay off their accounts early. Effective January 2022, we’re implementing graduated rates of 5%, 4%, and 3% in 12-month increments during the first three years of an active account or loan. This prepayment practice is very common within the equipment financing world. During this key transition, our goal is to be as transparent and communicative with you as possible. If you have any questions, or would like to learn more about how to best utilize this knowledge to coordinate with your applicants, please contact our team today. We’re happy to help you!
CANDLES CELEBRATION JINGLE JOLLY
MISTLETOE ORNAMENT PRESENT SANTA
SLEIGH STOCKING WASSAIL WREATH
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PRSRT STD US POSTAGE PAID BOISE, ID PERMIT 411
C.H. Brown Co., LLC A PLATTE VALLEY COMPANY 20 W. Frontage Rd. • Wheatland, WY 82201 307-322-2545 • chbef.com
Inside
1 Thanks to You, We Grew in 2021! 2 Embrace Being Wrong With Adam Grant’s Help 2 4 Steps to a Better Lead Nurture Campaign 3 DIY Holiday Eggnog 3 Take a Break 3 2 Changes You Need to Know About in 2022! 4 Thank You for Helping Us Support Local Charities!
Looking Back at the Give Back Nonprofits We Supported This Year
Wounded Warrior Project In keeping with our commitment to veterans, CHB also made donations to the Wounded Warrior Project in 2021. This organization is committed to helping military veterans who have been wounded, both physically and mentally, while in the line of duty. With a network of volunteers and experts, Wounded Warrior Project provides injured veterans and their families resources and opportunities to live a full, happy, and healthy life outside of the military. Learn more and donate today at WoundedWarriorProject.org . Special Olympics Wyoming Opportunity is a powerful tool, and that’s exactly what Special Olympics Wyoming is committed to providing. Through donations and community support, this organization provides athletic and competitive opportunities for those with intellectual disabilities, allowing them to grow healthier, stronger, and more confident. Athletes are provided with coaches and a community when they participate in the program. You can donate and learn more online at SOWY.org , or find your state affiliate online, too!
At CHB, we believe in serving our community beyond the services we provide to our clients. Our goal is to create a stronger community with both monetary and volunteer support, and
this year, we were honored to help a number of organizations committed to doing just that. In addition to the following charities, CHB also supported local athletics groups, music programs, and 4-H clubs. Ride the Range to Empower Women Veterans CHB is committed to supporting our nation’s military men and women in many ways. One such avenue is with Ride the Range to Empower Women Veterans. The organization began with Keith Geis, an avid cyclist, who decided to use his passion to travel long distances on his bike to raise money for scholarships for women veterans. The money empowers them to find solid footing as they transition from military to civilian life. You can learn more, including how you can donate and participate from anywhere in the nation, at Facebook.com/empowerwomenveterans/ .
Thank you to those who made it possible for us to give back this year.
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