Read about Malta’s RCAN ~ A New Invasive Grasses App ~ New Local Area Laboratory ~ Big Sandy State FFA Officer Bailey Gasvoda ~ Fort Peck Rec Area Updates ~ Children during CoVid-19 ~ Ft. Belknap/Rocky Boy Veterans Services ~ BONUS ITEMS: Fresno Updates by FWP.
Our regular features: Ranching for Profit – 5 Keys to Quality Cattle ~ Joyce Meyer – Experiencing God’s Power in Everyday Life ~ LAUGH LINES ~ Things to Know ~ Classifieds.
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Stepping Up to Bring a Community Together… Who can? RCAN!
Rural Communities & Agricultural Neighbors (RCAN) is a fresh group of volunteers operating out of Phillips County who are becoming more visible in our communities and on social media. The first event that got the RCAN organizational leaders inspired to “keep up the good work” was last year’s fundraiser called the Hi-Line Heritage Celebration. At this event, the group raised over $50,000 and held an annual fun day and rodeo for kids. Since the kids’ rodeo was such a success, RCAN will be holding another one this October along with a community banquet.
Following the successful 2019 fall fundraiser, a few active community members decided their work wasn’t done yet. So they created Rural Communities & Agricultural Neighbors (RCAN). Since becoming a non-profit they have held two ranch rodeo scrambles and turned them into a Sanctioned series so that not only can they hold these rodeos and benefit our community, other rural areas across the hi-line can sanction with RCAN and host their own to bring revenue into their communities.
The funds raised at the Hi-line Heritage Celebration were used in offsetting the costs of legal fees needed by Phillips County Livestock Association, North and South Grazing Districts in Phillips County, as well as the Phillips County Conservation District to help uphold the bison ordinance, which voters in Phillips County supported by 79% in 2016. Recently, the American Prairie Reserve had requested a variance from the ordinance by stating the requirements to test, certify, and identify to track and report health status for each member of their herd(s) was an “unnecessary hardship on them.” RCAN feels the Bison Ordinance was enacted to protect the health of all
livestock and their producers in the county from potentially wiping out the over $100 million Phillips County livestock sales and farm crop sales annually, and therefore must be respected. Katie Baker and Jolynn Messerly shared, “We are mainly focusing on raising funds and getting our name out their right now, but we plan on addressing some massive issues within not only rural communities but in Rural Agriculture itself.” RCAN is still trying to decide which project is going to be the right first project for the area, but they have discussed anything from Ambulance Services, retirement programs for retiring ag families, and site visits and activities with the schools. Even with limited exposure, and being a fairly new organization, others are starting to connect with RCAN officers and members to seek support with their projects. “It brings me a great sense of accomplishment knowing that we have brought back hope to our community, “ says Baker, RCAN President. Now that winter rodeo season is wrapped up, they can’t wait to get started on their next projects. The sanctioned rodeo events happening over the next few months will lead up to the Finals in Malta, which is set for January 2, 2021. RCAN team had two local businesses sponsor a wild card team; Westside Self Service, Stockman Bar & Grill; and Equity Co-op have been prize sponsors. Looking forward to next month, RCAN is planning a weekend event on Saturday, May 16. Additionally, RCAN is promoting Future in Focus: Senior Edition to nominate top-performing high school seniors in rural communities across the Hi-Line. More information about these events can be found on the RCAN – Rural Communities and Agricultural Neighbors Facebook page, where Baker recently went live with a Q & A session to share more about the group, its mission, and their plan for supporting a brighter future “up here.”
According to Messerly, RCAN Vice President, “Our organization is new and we are passionate and committed to addressing all areas at issue in our rural communities. Agriculture is the main economic driver for the businesses in these rural communities, [b]ut Ag can’t remain viable without communities either.” RCAN recognizes the value of local feed stores, filling stations, grocer’s markets, and rural health services bring to the Hi-Line. But there is also the need for local folks to access movie theaters, clothing stores, and a variety of eateries to suit different tastes. “We want our rural communities to remain resilient and vibrant… and [we are] trying to see what needs are in our community we can help with.” Anyone who wishes to contact this team of go-getters from Malta can connect with RCAN by way of Facebook or by sending an e-mail to email@example.com or firstname.lastname@example.org. RCAN officers are Katie Brown (President), Jolynn Messerly (Vice President), Sally Salveson (Treasurer), and Delsi Witmer (Secretary).
As spring inches nearer, producers are faced with the challenge of managing invasive grass species that can economically impact crops and livestock. It takes time to learn the ropes when it comes to identifying grasses and grass-like plants (graminoids), and, until recently, the best guidebooks were an extra appendage that often got left behind in the pickup or the tractor cab. Since most everybody now has a smartphone, the
folks at Montana State University have a couple of solid resources that can help 21st-century agriculturalists access information to assist with this task right in the palm of their hard-working hands.
The Grass Identification Basics guide is available from the Montana State University Extension Service and can be easily downloaded, viewed, and shared in a pdf format to get general information on the anatomy of various grasses in a straight-forward, easy to read format.
In addition, for under $5, there exists a mobile phone application developed by High Country Apps to identify over 250 grasses and grass-like plants. The app, labeled the Montana Grasses app, is available from the AppStore or Google Play. This adaptive tool can be used to identify cropland, pasture, and range graminoids throughout Montana, Wyoming, North Dakota, and Idaho. Partners and support for this ag-friendly tech tool include Montana State University College of Agriculture and Montana Native Plant Society. Amateur enthusiasts, botanists, producers, range managers, and others can take this guide-on-the-go to the field, on the trail, or in backyards to learn more about the rich variety of graminoids.
Users across the Hi-Line may contact Shilo Messerly at 654-1334 x 104 to learn more or find out how to can tap into these and other great resources.
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Many farmers and ranchers, as well as the average Hi-Line consumer or business-owner knows full well the value of data-driven decision making to save resources and protect health and assets. A simple soil analysis or water test can often cost a lot more than expected. Like many services professional services in the area, this line of work often gets outsourced to a larger municipal area or out of state. The turn around time alone can mean the difference between a bushel and a peck when it comes to farming, and livestock depend on carefully planned feed and rotation schedules to be ready for future market dates right on time.
Spotting a need, Brian Greblinuas of Chinook plans to bring a new service to the Hi-Line and lower the costs to monitor fundamental data measurements for local crops, water, soil, and forage. Greblinuas is the sole owner and operator of North Border Analytics, LLC. His company’s vision is to “address the biological and chemical needs of north-central Montana agricultural industry and beyond.” He knows the value of living in this part
of the world and has a passion for environmental issues related to conservation and sustainability to keep our future brighter while respecting the precious resources our region has to offer. Greblinuas’ previous experience includes extensive work studying nutrient interactions with soils and their impact on watersheds.
North Border Analytics’ lab can provide new approaches to assessing nutrient applications through irrigation, addressing stock water quality, and providing data regarding relevant metrics of soil health that impact the production of forage or grain. The laboratory is established to be able to
provide data for all aspects of agricultural production, tracing the interaction of water, soil health, and end of season production yield. The range of services North Border Analytics offers includes:
*Water – general water chemistry, sprayer water analysis for AMS requirements, irrigation water, stock water, domestic drinking water, and coliform counts.
*Soil Fertility – Measures of NPK, cations, anions, pH, organic matter, and salinity. In addition to analysis, results will be scaled to how applications must be adjusted to meet specific crop/forage requirements.
*Forage – Nitrate tests, RFV, NEm, NEl, NEg, protein, moisture, and ions *Grain – protein content and moisture These along with individual, customized consulting services are also available from North Border Analytics Lab. Many of the single analysis procedures start as low as $10, possibly as low as the one way trip to town, and will include some helpful feedback customized for individual operations. North Border Analytics can be reached at 406-344-0001 or e-mailed at email@example.com to find out more about the great services this new company will begin offering in June.
FORT PECK, Montana—The U.S. Army Corps of Engineers announced Wednesday it will begin the orderly shutdown of all USACE-managed campgrounds around Fort Peck Lake to protect against the further spread of COVID-19. The Interpretive Center, powerhouse tours, group shelters, playgrounds, fishing piers and designated swim beaches at USACE-managed sites have also been closed and/or put on hold until further notice. Individuals with paid camping reservations at the Downstream
Campground impacted by this orderly closure will receive a cancellation via email and a full refund. No new reservations are being accepted at this time. At this time Fort Peck Project is keeping day-use facilities and lake access areas open, such as boat launches, picnic areas, trails and viewing areas. Bathrooms at many locations may be limited due to public and employee safety concerns. Recreation areas may be further limited due to evolving conditions related to COVID-19. Day-use only operations also apply to all remote USACE-managed sites, such as McGuire Creek, Rock Creek, Nelson Creek, Devils Creek, Crooked Creek, Fourchette Bay, Bone Trail and the Pines. Camping will not be allowed in these areas for the foreseeable future to help slow the spread of COVID-19, discourage group congregations, and to support Governor Bullock’s Stay-at-Home Directive; these are strictly preventative measures. Please observe physical distancing from other recreationists and follow all mandated travel restrictions. The health and safety of the public, as well as USACE employees, contractors and volunteers is our top concern. USACE will continue to monitor the situation and take appropriate actions based on federal, state and local recommendations for public health and safety. For more information on the current status of USACE recreation area closures, we ask that you contact the Fort Peck Project before your visit, (406) 526-3411. Updates will also be provided on Facebook @USACEFortPeck. The public’s patience and understanding is appreciated during this unprecedented time.
Child and Family Services Reports the Impact of COVID-19 on the Lives of Montana’s Most Valuable Resource: Our Children and Families
Department of Public Health and Human Service (DPHHS) Director, Shelia Hogan, is raising concern for potential incidents of child abuse and neglect by the numbers. In the past four weeks, calls made to the child abuse hotline that typically receives 765 weekly calls is down to an average of 425 calls since the first phases of school closures took place due to the COVID-19 Joint Task Force’s efforts to protect public health.
Hogan says, “With schools closed, it’s important for all of us to take an active role by calling the hotline if you suspect abuse or neglect.” 1-866-820-KIDS (5437) is Montana’s toll-free number for anyone to report suspected abuse. This service has typically been accessed by public school staff and teachers, as these individuals are mandatory reporters of abuse and neglect for minor children. “Now is when we really need the entire community, no matter if one is a mandatory reporter or not, to watch out for our kids,” encourages Hogan who not only encourages calling the hotline, but being a good community member and neighbor to households with children at this time.
The number for the Montana Child Abuse Hotline is 1-866-820-KIDS (5437). Calls are answered by intake specialists who assess the level of risk to the child or children being reported and prioritizes reports of abuse, neglect, or abandonment before forwarding the reports to county social workers and related CFSD staff.
The Fort Belknap/Rocky Boy Homeless Veterans Reintegration supports those who have served in the armed forces. Part of the services this resource can provide to non-home-owning Veterans are employment and job training, as well as offsetting the costs of training to support successful transition into full-time employment. One particularly useful tool is for obtaining a Commercial Drivers’ License (CDL) and put drivers behind the wheel for gainful employment. Local and long-haul truckers are always in demand, and since the COVID-19 pandemic began, the need for more qualified and safe drivers is greater than before. Information may be obtained by calling 561-4557 or at the Fort Belknap Insurance Building at Fort Belknap, Montana.
Montana Fish Wildlife and Parks held a public meeting on March 12 in Havre to address concerns over fisheries management in Fresno Reservoir. Nearly 60 members of the public attended the meeting and voiced their opinions on topics ranging from stocking more fish and angling pressure to reservoir water level management and improving fish habitat in the reservoir. “It was a very good conversation and we heard loud and clear that folks want a change in management direction on Fresno,” says Steve Dalbey, FWP Region 6 Fisheries Manager in Glasgow. FWP is working on evaluating stocking rainbow trout as well as supplemental walleye plants. The rainbow trout would provide another gamefish opportunity for anglers, especially in the winter months. “We think we have the flexibility to shift rainbow trout plants from other waterbodies in Northeast Montana to Fresno,” said Dalbey. “One complicating factor in this evaluation is that
rainbows would need to be grown to a larger size to avoid predation.” Supplemental walleye plants into Fresno are also being evaluated to increase angler catch rates for this species. “Natural reproduction of walleye in Fresno has been exceptional during this prolonged wet-cycle we’ve experienced across the Hi-Line,” says Cody Nagel, Havre area fisheries biologist. “Based on feedback from the public, it really comes down to angler catch rates and finding that balance between angler satisfaction and population dynamics of the Fresno fish community,” Nagel adds. Attendees also asked if FWP could run a survey to measure angler use. A summer creel survey is also being pursued to measure angling pressure, catch rates and harvest in 2020. “If implemented, this creel survey would closely resemble the survey we conducted in 2015,” says Nagel. Lastly, FWP is considering the development of a long-term management plan for Fresno Reservoir. “These plans have been developed and implemented on many Montana fisheries, such as Fort Peck Reservoir,” says Dalbey. “If we go forward in developing a plan for Fresno Reservoir, it will offer an opportunity to bring everybody with an interest to the table and provides directive for long-term management of the fishery.” said Nagel. Although the COVID-19 pandemic will determine the timing, FWP plans to reconvene with interested anglers to go over the management options that are being evaluated.
Big Sandy FFA claimed bragging rights to being the source of one of this year’s Montana FFA State Officers, Miss Bailey Gasvoda, who is a senior at Big Sandy High School. Gasvoda has been involved with FFA for the past 6 years, and through each phase of this tremendous experience she thanks her family, teachers, community, and fellow chapter members for seeing her progress from 7th grader to senior classman with the organization. When asked, “What did it take to get you to this level of FFA Leadership?” Bailey replied that she went in “head first… and dedicated everything to winning.” The Montana FFA Officer explains that she took a lot of time for herself to figure out who she is and what she stands for in order to better prepare not only for competing in FFA competitions but also winning in life.
While many folks outside of ag think FFA is about sows, cows, and plows, the truth is FFA is about so much more. Bailey explained, when you’re in FFA, “[W]e do a lot of leadership, career development, and personal growth… FFA grows a large sum of the nation’s top leaders.” In fact, career leadership and public speaking are among her favorite competitions. Part of her most memorable and rewarding event participation was her developing and delivering lesson plans to elementary students for them to get exposure to agriculture and FFA at a young age.
Speaking of mentoring, Gasvoda is excited to see her own younger siblings following in her footsteps as a member of FFA. She is excited to watch them and other youth “grow through the organization” as they find their own niche in FFA. “When you start, you are going to find so many more passions than where you came from.”
Ms. Gasvoda explains that “the process this year was completely different.” Typically, there is a panel of members, past officers, and past FFA members with a series of workshops and competitions that are held as events across the state and leading up to the State FFA Conference. This year, however, due to the COVID-19 Pandemic, everything was on-line. Bailey recognizes the challenges this year brings to FFA, and that despite the change in daily life, “we have a lot to accomplish. This is a hurdle in our race, but because we have a team of eight phenomenal leaders, a great advisor, and a ton of supporters that cherish the organization” that this will still be a great year for FFA in the Treasure State.
Gasvoda adapted, like the other candidates in this year’s competition, from a face-to-face to a remote setting for the various competitions, but she still missed the interaction with other candidates and the committee. Even though, “I think all the candidates and committee really learned a lot from…” the changes, “[w]e didn’t get to hug folks. We all prepare for being there for each other.” The interpersonal aspect of exchanging the support that comes from a close-knit team of candidates wasn’t quite the same. Gasvoda looks forward to meeting the challenges this year brings to Montana FFA, and believes that this situation is “going to show us our strength. I think that when this is over, everyone is going to figure out what we value most.” In closing, Ms. Gasvoda extends a special thanks to Big Sandy Ag Teacher, Mr. Layne Taylor, who has supported her and the other Big Sandy Chapter for the past two years. Congratulations, to Ms. Gasvoda and Mr. Taylor!
URGENT: Blaine County Extension and Blaine County 4-H are working on putting together masks for our local clinic, senior centers, and retirement homes just in case they need them. Our 4-H members will be sewing masks together. We need your help; if anyone has 100% cotton and 1/4″ elastic you would be willing to donate, please bring it to the Triple E Room at the Extension Office. We will have a dropbox outside the door. Thank you all for your help!
June 13: Zurich All Class Reunion scheduled.
HiSET Testing at Fort Belknap: May 15, June 19, July 10, and August 21. Call 1-888-694-4738 to register.
HiSET Testing at Havre: May 5th and 19th, June 9th and 23rd, July 14th and 28th, and August 11th and 25th. Call 1-888-694-4738 to register.
FFA Montana is looking for volunteers to help with the FFA State Conference that will be rescheduled from March. Visit their website for information on how you can pitch in to help with events and other great resources for students: https://montanaffa.org
Ranching For Profit Blog – Dallas Mount, CEO
Healthy Land, Happy Families and Profitable Businesses
A popular industry magazine found its way to my desk this week. An article that described five essential “wisdoms” for producing quality cattle piqued my curiosity. According to the author, the first key is “Be fanatic about animal health.” Key number two is “Pay the extra money for a good bull and build a reputation for quality cattle.” According to the article that “will come back ten-fold when it’s time to market your calves.” Really? Instead of $1.60 a pound I’ll get $16.00 a pound? The article did get me thinking about principles that are important to producing quality cattle. The obvious prerequisite is to define what quality cattle means. If you are ranching for profit, there is only one possible definition. It doesn’t matter how big or old an animal is. It doesn’t matter what color it is or what pedigree it has. It can have one eye or three. Quality cattle are cattle that make you money. More specifically, quality cattle are cattle that produce a healthy gross margin. Gross margin measures the economic efficiency of production. Rather than
measuring the productivity of an animal, it measures the value of an animal’s production relative to the direct costs required to support that production. Which are the quality cattle: A herd of sleek black cows with 95% conception rate and an average of 600 pounds per cow with a gross margin of $300 per animal unit, or a herd with cows that are every color imaginable, that have a 75% conception rate and produce a gross margin of $500 per animal unit? If you are ranching for profit the answer is OBVIOUSLY the second herd. Here are the keys to producing quality (high gross margin) cattle, or any species of livestock for that matter: Fit the enterprise to the resource. It doesn’t matter how productive your cows are if you shouldn’t have cows. You can cram a square peg in a round hole, but it is expensive, exhausting and unsustainable. Fit the production schedule to the environment. Why don’t elk in Montana calve in March? It’s because nature’s production cycle is in synch with the seasonal availability of forage and because photoperiod has a big effect on the seasonal fertility of ALL grazing animals. This isn’t to say that everyone should be calving in late
May or June. But being able to reduce hay feeding by $200-$300 per cow probably adds more value to most ranches than the extra $100 you might get for the calf weaned by the cow that consumed all that hay. Find animals that fit the environment. Hot and humid or cold and dry, subtropical or temperate, prairie, mountain or desert, a cow that works in one environment may not be suited to another. That goes for the production schedule too. A cow selected to be productive in a March-April calving program may not be fit for a May-June calving program. Hit depreciation head on. For most producers the biggest cost of keeping a cow isn’t feed, rent, or labor. It’s depreciation. We rarely even think of depreciation as a
cost of keeping a cow, let alone the biggest cost! In a typical herd, depreciation averages $250-$350 per cow per year. That’s $250-$350 ON EVERY COW EVERY YEAR! Many Ranching For Profit grads have drastically reduced depreciation in their herds. Some have even eliminated it. In my mind’s eye, cattle that don’t depreciate are quality cattle. Come up with a replacement strategy that works. Most cow/calf producers have no idea of the REAL cost of raising their own replacements. The gross margin of a productive cow is almost always at least a couple hundred dollars higher than the gross margin of H1’s or H2’s on the same ranch. There are
alternatives to raising your own replacement heifers. You can contract with someone else to raise them, buy them, or buy older, depreciated cows as your replacements. It is a breakthrough for some producers to realize that they don’t need replacement heifers. It’s not heifers they need to replace, it’s cows. That paradigm shift opens the door to several profitable opportunities. These five principles can help you improve the economic efficiency of any kind of livestock. Please share with me and ProfitTips readers the principles you’ve found essential to producing quality (high gross margin) livestock.
Enjoying Everyday Life
After I became a Christian, there were many years when I had no victory in my everyday life. I was miserable because I still had wounds in my soul from the past that made me insecure, angry, suspicious of others, and hard to get along with. Even though I loved God and went to church every week, I had no idea that there was power available to me to overcome the hurts from the past and the struggles of everyday life. And everything that came along that was hard to handle, defeated me. But I was so grateful when I
found out in God’s Word that not only is He powerful, but He wants to fill us with His power. He promises in His Word that we can have abundant life in Christ because He has overcome the world! (See John 10:10; 16:33.) The truth is, as believers in Christ, we don’t have to live weak, wimpy, pitiful, pathetic, barely-getting-by lives. We can have God’s power working in us to enable us to do whatever we need to do in life! There’s No Such Thing as a Problem-free Life Some people have the misconception that when they give their lives to Jesus, they will no longer have any problems. It would be nice if this were true, but in this world, we WILL have trials and tribulations. The good news is we can cheer up anyway because Jesus has overcome the world. In John 16:33 (ESV), Jesus says, “…In the world you will have tribulation. But take heart; I have overcome the world.” No one can promise you a problem-free life, but God promises that if you will put your trust in Him, He will give you a faith that enables you to rise above the problems you face. And when you get through them, you’ll be stronger on
the other side than you were before you had them. The Truth About God’s Power Knowing you can have power from God to live in this world is one thing, but learning to believe this truth and walk in it is the key to having victory over the trials and suffering you face. I love Philippians 3:10 because it says we can actually experience the same power that raised Christ from the dead. In this verse, the apostle Paul says his determined purpose was to “know Him [experientially, becoming more thoroughly acquainted with Him, understanding the remarkable wonders of His Person more completely] and [in that same way experience] the power of His resurrection [which overflows and is active in believers], and [that I may share] the fellowship of His sufferings, by being continually conformed [inwardly into His likeness even] to His death [dying as He did]” (AMP). This is an amazing and encouraging promise from God, because we all face problems and have weaknesses we can’t overcome in our own strength or effort. But if we are determined to trust God in every situation, all the time, we can fight the good fight of faith by HIS grace. Being More Than a Conqueror Through Christ Romans 8:37 (AMP) says: “Yet in all these things we are more than conquerors and gain an overwhelming victory through Him who loved us [so much that He died for us].” I love this phrase “more than conquerors.” But what does it really mean? Being more than a
conqueror means that before you ever have a problem, you are confident that you have whatever it takes to overcome it through your relationship with Christ. In other words, you know you have the victory before you ever get the problem. Now, in order to “qualify” for the power of God, we must first come to the place where we recognize that in and of ourselves, we are weak and we have limitations without God. If we didn’t have any weakness, we wouldn’t realize we need Him. And one of the best prayers we can ever pray is “God, I need You, and I’m nothing without You!” (See John 15:5.) It’s so important for us to understand this because if we wait until we have a problem that’s too big for us to handle before we rely on God’s strength, then we’re setting ourselves up to fail. The best thing we can do to live this life in victory is to continually seek God with our whole heart, realizing we’re desperate for Him all the time. Spend time with Him in prayer and studying His Word every day. Then, when the storms of life happen, you will be confident that in Christ, you already have everything you need to overcome them…and you’ll experience the power of His resurrection as you rise above them!
For more on this topic, order Joyce’s four-teaching CD series Pursuing What Matters Most. You can also contact us to receive our free magazine, Enjoying Everyday Life, by calling (800) 727-9673 or visiting www.joycemeyer.org. Joyce Meyer is a New York Times bestselling author and founder of Joyce Meyer Ministries, Inc. She has authored more than 100 books, including Battlefield of the Mind and Unshakeable Trust: Find the Joy of Trusting God at All Times, in All Things (Hachette). She hosts the Enjoying Everyday Life radio and TV programs, which air on hundreds of stations worldwide. For more information, visit www.joycemeyer.orgPlease note: The views and opinions expressed throughout this publication and/or website are those of the respective authors and do not necessarily reflect those of Joyce Meyer Ministries.
* Dave Ramsey is CEO of Ramsey Solutions. He has authored seven best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 16 million listeners each week on 600 radio stations and multiple digital platforms. Follow Dave on the web at daveramsey.com and on Twitter at @DaveRamsey.
I own a small company, and we lease the building we operate from. As an entrepreneur, how do you know when it is time to stop leasing and buy a place of your own? ~Peter
Dear Peter, You should only buy a building when you have solid track record of success, and a really good idea of what your building needs will be. A growing business is always a good thing, but you don’t want to focus too much on real estate and not enough on generating revenue and managing that growth intelligently. You would also want to make sure you’re going to be in anything you buy for a good, long while. I’m a big fan
of leasing the first few years after starting your own business. It’s even better if you can work out of your home, but I understand that’s not always practical. Down the road, you can choose to lease with an option to buy, or in the right situation, just buy a building. Remember, make sure you do it all with cash. Don’t add debt to the equation! –Dave
Is it ever too late?
Dear Dave, Life insurance is one of those things I always said I would get around to buying someday, but for various reasons I just haven’t done it yet. Is there ever a time when it is too late to get life insurance? ~Angie
Dear Angie, First of all, I only recommend level term life insurance. It’s fairly easy to get until around age 70, depending on your overall health situation. Once you get into your seventies and beyond, however, it can be more difficult to find reasonably priced coverage. I recommend that most people have 10 to 12 times their annual income in term life insurance. To be honest, though, you really shouldn’t need life insurance if you’re 70 or older. At that point, if you’ve saved and invested wisely over the years, you can be self-insured. By this, I mean you’ve got enough money in savings and investments to cover funeral expenses—plus enough for a spouse to live on comfortably after you’re gone. Don’t wait any longer, Angie. Take care of this today! —Dave
I still have a lot of trouble with wrong numbers. Yesterday I dialed the Red Cross and got the Internal Revenue Service in error. So the IRS operator asked me what number I had dialed. I said, “The Red Cross, you know, where they take the blood.” She said, “Well, you aren’t too far off, are you?”
BIG SKY IMAGES & COLLECTIBLES at Havre Holiday Village Mall is open from 11am to 6pm for BACK DOOR pick-up of essential medicinal, spiritual, and ceremonial items, such as, Sweet Grass, Sage, Cedar, Bitter Root, and Bear-root. Please call in advance 406-399-6522 or 406-788-7210. 4-II
Help Wanted: CHS in Malta and Havre are seeking full-time Truck Drivers. Other positions are available in these areas and other CHS facilities. These are exciting opportunities to deliver a variety of agricultural products and be part of a great pro-with competitive benefits. To apply: visit CHSBIGSKY.COM. 4-II
Fort Belknap Indian Community Job Announcements closing April 16, 2020. Contact the FBIC Human Resources Offices for Job Descriptions: Chief of Police, Grant/Contract Specialist (Finance), Occupancy Technician (Tax Credit), Claims Processing Clerk (Tribal Health), Chief Administrative Officer (FBIC), Chief Judge (Tribal Courts), Family Intervention Specialist (Social Services), Receptionist (Transportation Dept.), Project Manager (Child Support), Enrollment Clerk (Enrollment), Chief Financial Officer (FBIC). 4-II
?Did you know? YOU CAN GET YOUR KNIVES & SCISSORS SHARPENED at BIG SKY IMAGES & COLLECTIBLES in Havre Holiday Village Mall, Will sharpen while you shop, Very affordable 406-399-6522. 4-I
Help Wanted: Liberty Medical Center has immediate openings for dietary staff, housekeeping, and laundry departments. Call 759-5194 to ask Beth for details or apply on-line libertymedicalcenter.org 4-II
For Sale: F1 Phantom Bernedoodles, ready May 21st. Sweet, healthy and strong pups. Wonderful family dogs with children. Great therapy or comfort dogs. Loyal and extremely smart. Dewclaws removed, dewormed, and 1st shots. Serious inquires only. Located in Kalispell, delivery possible 406-253-1137. 5-I
Help Wanted: Hi-Line Retirement Center looking to hire CNAs, RNs or LPNs. If you want to come up and do a couple shifts a week, we can provide housing also. Full time are eligible for bonuses. Pay is great for rural Montana. Call Millissa Riggin at 406-461-2737.
FOR SALE: Used oilfield pipe, rods, cable & guard rail. New HDPE pipe. Engineered bridges for pivots, vehicles, walking & ATV. Clips & post caps. Toll free- 866-683-7299 or 406-453-7299 BIG SKY PIPE AND SUPPLY, Great Falls. Call TODAY and Ask for our free catalog. VISIT US ONLINE http://bigskypipeandsupply.com/html/ 7-I:X
For Sale: 1274 BOULEVARD, Havre. This great home has nice big kitchen and 4 bedrooms, 2 baths. Double car attached garage with a heated and air conditioned work shop attached to it.. Fenced yard, 2 garden sheds. New patio. Price Reduced $189,000. Call Property West at 406-262-3035. 4-II
For Sale: Lean hamburger. 800# available in 2 lb. packages. $3/lb. Call 357-3615. 5-I
For Rent: 2 bedroom house for rent in Chinook. No pets. Call 357-3366 or 390-4874. 5-I
Wanted: 50′ to 70′ power poles from “old” transmission line from Ft. Peck to Great Falls. Please call or text to 390-0455. 4-II:9-I
HOLY COW! Big Sky Images & Collectibles has America’s largest retail displays of Ruana & USA Made Old Timer & Uncle Henry Knives. Havre Holiday Village Mall 406-399-6522. http://www.bigskyimages.com. 4-I
For Sale by Owner: 10 acres of Country Property, divided into 5 pastures w/ 5 bed, 2 ba. house w/ 2100 sq. ft. living area + 400 sq. ft. bsmt and 2280 sq. ft. building w/ electricity, 6″ fiberglass insul. throughout, divided into 38’x40′ shop area w/ 14′ ceilings (16’x13′ door), and 3-car garage w/ elec. doors and 8′ ceiling. 16 mi. east of Havre. ONLY $280,000. Call Douglas Plouffe at 406-357-2487 for showing. 2-II:8-II
FOR SALE: New Mint State Silver Eagle Dollars & Morgan Silver Dollars! BIG SKY IMAGES & COLLECTIBLES, Havre Holiday Village Mall 406-399-6522 4-I
For Sale: 616-622 7TH AVE, Havre. One large home that has been split into 3 apartments, 2 2bedroom 2 baths and 1 1 bedroom 1 bath, plus a 1 bed 1 bathhouse. Double car garage and off-street parking. Rents are $2225 total rear patio for the main house and a small deck for the 2nd floor. Refrigerators and Ranges are included. $225,000. Call Property West, 945-0394. 4-I
For Sale: BARGAIN PRICING on 14 to 100 foot Bridges, 8 to 36 inch I Beams, and 12 to 24-inch pipe. Contact Ed toll free- 866-683-7299 or 406-453-7299 BIG SKY PIPE AND SUPPLY, Great Falls. Call TODAY and Ask for our free catalog. VISIT US ONLINE http://bigskypipeandsupply.com/html/ 7-I:X
For Sale: Angus Bulls – Private Treaty – Math Farms Angus is selling coming 2 yr. old virgin bulls. Both heifer and cow bulls available. Top quality! Drive a little – Save a lot! You won’t be disappointed. $2,500 ea., Volume discount on 5 or more. Call or text – Cody 671-1949, Bob 672-2323. 4-I
HOLA! For Sale: sage, sweet grass, kinnickinnick, bearroot, bitter root, ceremonial tobacco, copal, brain tan smoked buckskin, blankets and scarves. BIG SKY IMAGES & COLLECTIBLES, Havre Holiday Village Mall 406-399-6522 4-I
For Sale: 600 Ton Alfalfa Grass Mix, Net Wrapped Round Bales, 1600 lb Bales, Good Clean – No Rain. Montana Hay Company. Trucking available & we custom haul. Call 670-6551 or 672-7558. 2-I:5-I
For Sale: Whispering Winds: A History of the Big Flat 750 page hardcover book celebrating Turner, Montana’s centennial. Get your copy today for only $100. Visit www.turnermontana.us or call Edward Snider at 406-353-2934. x
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Amazon Shoppers: Did you know Amazon will donate a portion of your purchase to the Big Flat Community Grain Bin, Inc.? Visit www.smile.amazon.com. Purchases MUST be made through Amazon Smile to qualify. x
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