Today is Financial Wednesday on The Morning Zone,  and Dave's guests will be:

7:07AM MDT The Watchdog on Wall Street, Chris Markowski. Chris is a renown financial manager that keeps us informed about what's really happening in the economy and how it effects our pocket books.

7:37AM, Jim Johnson, inspirational basketball coach, national speaker and author of "A Coach and a Miracle: Life Lessons from a Man Who Believed in an Autistic Boy". Looking for a job in this climate of high unemploymentmeans two things. First, your chances of finding employment are slimmer than ever, and second, you're relying on working for someone else. Why work for someone else when you can work for yourself?  Jim  shares his top tips on how to start a new career without looking for a job. Learn how to discover your mission, set strong goals, and persevere, even when times are tough. He’s been featured by The Oprah Winfrey Show, ESPN, Good Morning America, CNN, and many others.

8:07AM, Anya Petersen-Frey, Southeast Regional Director . Anya will have Matt Burgess from American National Bank join her.  In the business community there continues to be some frustration at the apparant lack of funding for business, or rather, the challenge of accessing the funding. Matt  is the Market President for the Cheyenne area and has a solid understanding of our Wyoming small business climate.  They will discuss some of the regulatory issues that banks are facing in offering lending and how this changes the way that they assess a business loan.  What is a bank looking for when it determines lending for business - the rural market is different from urban areas yet, it seems that often data/research for 'normal' financial ratio's come from larger population bases that might not translate to our state. Also, what are red flags do a bank look for?  Do they take into account prior history of the business, not just, perhaps, a troubled year?  How can a business prepare?