Life After Debt – Rob Kosberg

There are few things that cause us worry and anxiety like financial issues. If you’re going through a financial crisis, job loss, or credit issue then you’re also dealing with elevated levels of stress and worry. Jesus said in John 16:33 That In this world we would have trouble, but take heart for I have overcome the world. Could there be a way to face all the financial troubles of this world and still have peace? Join us today as we speak with Jim Lange of calming the storm within to discuss the secret to peace in a world of trouble.

We often focus all our attention on the external. Is the economy good or bad. Is real estate going to go up in value or down. Where should I invest my money – or what things do I need to learn about the fill in the blank (stock market, REITs, IRA’s – the list is endless) to be successful. You know maybe we need to look inside rather than out to see the real determining factor in financial success? Join us today as we speak with Angel Tucker, Certified Human Behavior Consultant, to understand how our personality type affects our finances.

We live in a very affluent country but wealth alone cannot keep you from difficult times and tragedy. Financial difficulty is rampant with more people on welfare and food stamps than ever before in our history. In fact, really no one on this planet is immune from pain and difficulty. Golda Meir once said, “Those who do not know how to weep with their whole heart don’t know how to laugh either.” Join us today as we speak with Dr. Deidre Combs, author of Thriving through difficult times as we discuss the strategies to implement to navigate financial crisis.

I speak to people everyday in various forms of financial stability, some strong and getting stronger, some buried and going deeper in the hole. At some point almost every one of them will ask me what their situation or the solution will do to there credit score. Somehow that little number has captured the hearts and minds of us Americans. What is a FICO score and is it really that important? Join us today as we speak with Steve Stewart pull the curtain back on FICO scores.

In my career I’ve been blessed to work with both poor and rich alike – and even extreme wealth and poverty. I’ve seen people lose millions from the abundance they were given and I’ve seen people earn millions from complete poverty. It all comes down to how they managed the resources they were given. Most of us fall somewhere in between extreme riches and extreme poverty but the question is the same for us – how are you managing what you’ve been given? Join us today as we speak with Chris Miles about managing our cash flow and the resources we’ve been blessed with.

We are now more than 5 years past the beginning of the great recession. In many ways things are as good as ever. Interest rates are near record lows, home values are starting to increase, the stock market is breaking records and unemployment is getting better and better. If that is the case then WHY do many people still FEEL so bad about things? How do we overcome this emotional financial scar that many of us still have from 2007 and 2008? Join us today as we speak with Joel Lund about the mental approach we must take to overcome any past financial crisis.56

Right now the largest generation in history is reaching retirement age. In fact, around 10,000 people every single day are retiring and unfortunately many of them are ill prepared. Statistically of every 100 people retiring only about 5 of them will have adequate funds saved for living – these are frightening numbers. Add to that the turbulent times we live in with wild fluctuations in the stock market and real estate and it’s a recipe for disaster. There must be a way to protect and rescue your retirement. Join us today as we speak with Tony Kettering author of the retirement rescue to discuss how you can protect your assets and be ready to retire. LINKS:

These are crazy times to be interested in real estate. Talk to one person and she’ll tell you the sky is (still) falling talk to another and he’ll tell you we are in the greatest time of opportunity in the last 50 years. Rates are great but perhaps moving up. People are still edgy over real estate values after the recent collapse but they are statistically on the rise – and fast. Which is it? This is a question you need answered if you’re considering buying your first home or moving up to a larger one. Join us today as we speak with Stephen Berger about the current real estate market and the prospect of qualifying for a mortgage in these uncertain times.

Life is a journey and we will all face many difficulties along our individual journeys. We will know both joy and sadness. We will all have times of plenty and times of want. If you are currently facing a financial crisis there are 2 things to be aware of. First, this wont last forever – life has seasons and spring always follows winter. Secondly, there are things you can proactively do to better your situation and get back on track more quickly. Join us today as we speak with Sally Herigstad about the steps we can take to overcome any financial crisis.

Security is a funny thing. In many ways it is all just an illusion. We can do everything right and still walk out the front door and get hit by a bus. Not very encouraging I know. Anyway, while that may be true we still have a responsibility to take our financial future into our own hands and make it as secure as possible. For many people that means a 9 to 5 job and the hope of some kind of retirement benefits. The question you must ask yourself is, “Is a job more secure than having my own business?” Join us today as we speak with Aimee Elizabeth about the safest path to securing our financial future.

I love this country, and I love many, many things about capitalism. I love that a poor man or woman who has ambition, desire and is willing to work hard can get an education and/or build a business and wealth in one generation that changes the future for their children and their children’s children. I love that about our country and society. But with that good there is also challenge. Have we become too focused on money being the answer to all our life’s problems? Have we come to believe that the ultimate score of our life’s success is found in the number of zeros in our bank accounts? Join us today as we speak with Jeff Gitterman about redefining our meaning of prosperity and success.

In 2007 we watched powerlessly as our financial markets crumbled and real estate values fell. Trillions in equity vanished almost overnight and many with hundreds of thousands of dollars in equity suddenly found themselves upside down and unable to get a new mortgage. Todays mortgage environment is radically different then it was in the early 2000’s. Qualifying for a mortgage is harder and options seem to be more limited. Yet, interest rates are at 60 year lows – could now be the time for you to buy your next home? And if so what do you need to know to avoid the mistakes of the past. Tune in today as we speak with Karen Simpson Hankins of Conquer your closing to discuss the necessary steps you need to take when buying a new home.

We are living in the most turbulent economic times of the past 100 years. Incredible wealth is being built both online and offline with new and old technologies. Yet, we’ve seen wild fluctuations in the financial markets. Real estate dropped more than 60% in certain regions, The stock market dropped 50% and now is at all time highs. There has been massive fraud and financial instruments that Harvard grads can’t figure out. Yet this is the world we live and the world you must invest in. Tune in today as we speak with Scott Barclay of How the investment business really works to discuss the navigating todays dangerous financial markets.

We live in the greatest country on the face of the earth but more and more we have things to be very concerned about. In the past immigrants flocked here from all over the world believing that America was the land of opportunity and freedom. The opportunity to move up from one socio-economic class to another and the freedom to live and worship as they pleased. While for the most part all of that is still true yet there is reason to be concerned about the resentment, bitterness and divide growing between the rich and poor. Resentment and bitterness can never help us achieve our dreams and desires, instead it destroys. Join us today as we speak with author Justin Locke and discover how to get back in touch with our inner rich kid.

The federal government administers about 80 different overlapping means tested welfare programs with over 100 million welfare recipients. During the economic crisis of the last few years these numbers have increased at an alarming and unsustainable rate. We call them entitlement programs but is entitlement really a program or is it first an attitude or spirit. Does it start with the government or does it start in the heart of the individual? Tune in today as we speak with Jim Villwock of Job Doctors International to discuss the challenges and solutions to the issue of entitlement.

Education and student loans are BIG business. Total student loans in the US have tripled in the last 8 years alone as students and parents have stuggled with the burden of ever increasing tuition. I’ve seen person after person struggling to pay their student loans, some of them saddled with a 6 figure debt and unfortunately many of them not even working in the same field as their degree. What can a parent or student do to avoid this debacle. Tune in today as we speak with Chip Wittrock of College Prep Mastery to discuss the solution to the slippery slope of student loan debt.

Whether we recognize it or not we all have what I like to call a financial bend regarding money and our relationship to it. Perhaps it was caused by you watching mom and dad argue over money or maybe you are a child of divorce caused by financial hardship. How many moms or dads are single parents and not able to give the time they would like to give to their children because of a lack of money. These financial bends can cause us to have an unhealthy relationship with money. A relationship that can make us miserable whether we have a lot of money or are dead broke. Join us today as we speak with Evan Money, yes his real name about the effect money has on our emotions and how we can master it once and for all.

You’re hearing a lot of good news these days about the real estate market. Increases in the Case-Shiller index of values. Decreases in home inventory. Everything seems to moving in the right direction. Have you wondered though how we can be having record foreclosures year after year and the housing inventory is decreasing and the prices are increasing? On the street there seems to be a different story that’s playing out and if you’re in an underwater home then you need to hear this. Join us today as we speak with Harvey Kosberg, certified John Maxwell coach and 35 year veteran real estate broker as we discuss solutions to a housing and debt crisis.

There’s been a lot of talk over the last few years about the 1% and “paying your fair share” to somehow create an even playing field but really these topics are nothing new. Thousands of years ago the scriptures taught about the practices of the wealthy versus the practices of the poor. I firmly believe that our finances are completely in our ability to control. You can control your finances by practicing sound biblical principles today and not be another statistic. Join us today as we speak to Ken Mallard of Step by Step financial. We will discuss with Ken the practical biblical steps you can take to be in complete control of your finances.

The United States of America is collectively the richest country in the the world. In fact, it is the richest country in the history of the world. Yet financial trouble is an ever present danger in our personal lives – wreaking havoc on families and relationships. Financial crisis is the leading cause of divorce in this country – if we’re the richest country in the world then the problem can’t be there is isn’t enough money, can it? Join us today as we speak to Dr. Taffy Wagner of Marriage and Money 365. We will discuss with Taffy the steps you can take to protect your most important relationship, your marriage from inevitable financial crisis.