Read About: Chinook Community Thanksgiving Meal Will Go On ~ Assistive Equipment & Services Available from MTAP ~ Milk River Watershed Alliance Wants to Hear from the Hi-Line ~ Farm Apprenticeships for Montana Promise New Generations of Farmers ~ Complaint Filed for Ballot Initiative 190 ~ Serve Montana Nominations Now Open.

Our Regular Features: Ranching for Profit – Fall is Planning Time ~ Joyce Meyer – Enjoying Everyday Life – Discover Why you Really Can Trust God ~ Dave Ramsey – Dave Says – Refinance in Baby Step2 ?~ Things to Know ~ Classifieds.

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Chinook Community Thanksgiving Meal Will Go On

Even though COVID-19 has changed a lot of other plans this year, the Community Dinner for the Chinook area will take place. Since the 1980s the community has pulled together volunteers each year to make sure everyone has a Thanksgiving holiday meal, and this year will be no different in this mission.

Meals will be provided with a pickup or delivery option instead of a gathering to share with others, however. The menu will feature baked ham, cheesy potatoes, green beans, a bun, and a pumpkin bar dessert.

To sign up to receive or pick up a Thanksgiving meal, call the Chinook Senior Center at 357-2648 between 8 a.m. and 3 p.m. between November 16-20. There are also forms available to fill out and drop off to reserve meals.

Meal pick-up will take place on Thursday, Thanksgiving Day, November 26 from 12:00 noon to 1:30 p.m. Deliveries will begin at 11:30 that morning.

Tricia A. Kimmel, Owner

Assistive Equipment & Services Available from MTAP

The Montana Telecommunications Access Program (MTAP) is dedicated to improving the quality of life for all Montanans through education, innovation, and technology by enhancing communications options. MTAP reminds others that one of the leading health challenges faced by Veterans is hearing loss and that MTAP is here to help.

For Veterans or civilians who have difficulty hearing over the telephone, the MTAP can provide assistance to obtain specialized equipment and services that help hearing-impaired individuals stay in touch over the telephone. With the pandemic still not over and restrictions to traveling from home still encouraged, many Montana Veterans and civilians are relying on the telephone to stay in touch with loved ones, medical staff, and to conduct other business that cannot take place in person right now.

MTAP oversees the Montana Relay program which allows people who are Deaf or hearing impaired to use the telephone, and they also provide assistive equipment and services whose disabilities make it challenging to use the phone.

For more information about the MTAP program and to apply for yourself or a loved one, call 1-800-8503 or visit the dphhs.mt.gov website. The MTAP mailing address is: Montana Telecommunications Access Program, 111 North Last Chance Gulch, Suite 4C, Helena, MT 59604.

Milk River Watershed Alliance Wants to Hear from the Hi-Line

The Milk River Watershed Alliance is wanting to know what the Milk River means to the people of the Milk River Valley and surrounding areas. Most everyone on the Hi-Line depends on the Milk River in one way or another, and it’s time to share with the Alliance what it means to the communities and people in the region

Submissions can be uploaded via the milkrivermt.org website or by submitting an email to contact@milkrivermt.org. Information can also be found by calling 406-230-0251. The Milk River Watershed Alliance is located in the USDA Service Center in Glasgow, MT.

Download this image for your child to color by clicking the download link below!

Things to Know: Free postings for Non-Profit Community Events

Nov. 19: 8:00 a.m., Training “How to Make it Work for You” Hosted by NADC PTAC & Native American Development Corporation. To register, visit: https://nadc.webex.com/nadc/k2/j.php?MTID=t80251266a8277f475c6daf9a758d5

Nov 20: 6:00 p.m. Havre Elks Lodge Turkey Bingo. 16 Games with Cash/Turkey Prizes. Limited to first 25 participants. Contact Brandy at 390-0091 for information and to register.

Nov. 24: 5:30 p.m. on ANC Facebook Page: 2020 VIRTUAL Commencement or Graduates of Aaniiih Nakoda College. Everyone is welcome to attend via Facebook Live. Call 353-2607 for more information.

Nov. 26: 2020 Havre Community Thanksgiving Dinner is CANCELED due to COVID.

Nov. 29: 11:59 p.m. CST: Last Day to register for Individual Walker or Runner to join to Gobbles’ Free Range 5K with others who are looking for a fun way to enjoy fitness and move closer to the end of 2020. Contact Tawna Richman at 945-5999 or visit www.runsignup.com for details.

Dec. 5: 10 a.m. Holiday Village Mall’s Winterfest Craft and Vendor Show. Space is limited. To reserve a booth, visit the Winterfest Craft & Vendor Show Events page on Facebook or call 406-400-2790.

Dec. 11: 9:00 a.m.: Let’s Talk, Montana! “Native American Cultural Sensitivity Training for Suicide Prevention” with Kathleen Little. Call Vanessa with Montana Social Scientists at 406-214-0029 for more information and to register. CEUs available, open to anyone.

Dec. 19: 9:00 a.m. Bear Paw Ski Bowl 60th Anniversary Celebration. Visit the Bear Paw Ski Bowl 60th Anniversary Event page on Facebook for more information.

Havre Beneath the Streets is open their regular winter hours: Mon-Sat 10 a.m. to 4 p.m., closed Sundays. Call 265-8888 for tickets and information.

Through December: Hill County COVID-19 Virtual Education & Support Group will have a series of webinars starting Monday, November 9th at 7:30 p.m. via Zoom. Visit the Hill County Covid19 Virtual Education & Support Group Facebook page to register. Week 2 (Nov. 16): Compassion, Week 3 (Nov 23) Connection & the Holidays, Week 4 (Nov 30) Rest & Relaxation, Week 5 (Dec. 7) Surviving & Thriving, Week 6 (Dec. 14) Making Healthy Choices

Alcoholics Anonymous Meetings along the Hi-Line:

Chinook: Tuesdays @ 8 p.m. at the Presbyterian Church

Harlem: Wednesdays @ 7:30 p.m. at the Library (will resume meeting at Ft. Belknap at a later date)

Harlem: Fridays @ 7 p.m. at the Library (regular meeting time/place)

Hays: Tuesdays @ 7 p.m. at the Eagle Child Health Center

Malta: Mondays @ 12 noon at the Villa Theatre (rear entrance)

Malta: Wednesdays @ 8 p.m. at the Villa Theatre (rear entrance)

Malta: Thursdays @ 12 noon at the Villa Theatre (rear entrance)

Malta: Saturdays @ 4 p.m. at Nick’s House (139 9th Street Southwest)

Malta: Sundays @ 7 p.m. at the Villa Theatre (rear entrance)

Dodson: Mondays @ 8 p.m. at Ron K’s House

Chester: Thursdays @ 7 p.m. at Our Saviour’s Lutheran Church

Box Elder: Tuesdays @ 6 p.m. at the Box Elder Catholic Church

Rocky Boy: Wednesdays @ 6 p.m. at the Upper Box Elder Road Big Blue Building next to White Sky Hope Facility

Glasgow and Havre have meetings every day…

Call the Area 40 HOTLINE anytime for support and meeting information at 1-833-800-8553 or visit https://aa-montana.org/index.php?city=Area%2040

Montana Army National Guard is looking for YOU! For more information contact SGG Bakken at 406-324-5447. There are several financial incentives for joining the guard, but the rewards of serving our State is far greater.

Wednesdays and Fridays from 12noon-4ish p.m. Granny’s Closet in downtown Harlem is open! More shoes and clothes have been added. Lots of goodies available.

New Rural Grant Opportunity Applications now available for a new round of nationwide relief for small businesses in rural communities. The application window closes quickly. To learn more, visit https://lisc.org/covid-19/small-business-assitance/small-businessrelief- grants/lowes/ or visit the Great Northern Development Facebook page.

Blaine County Library at Chinook announces Storytime at the Library! Every Tuesday at 10:30am in the Children’s area at the library. Need more information? Follow the Blaine County Library Facebook page, check out their website at www.blainecountylibrary.org, or call 357-2932. The library is open Mondays 12-7pm Tuesdays 10am-6pm, Wednesdays 12-7pm, Thursdays 10am-6pm, and Fridays noon to 5pm.

Phillips County Library is currently hosting the Carnegie Libraries Carnegie traveling exhibit. Phillips County residents are invited to come learn more about the history of Montana’s 17 Carnegie libraries, which were built across the state at the turn of the 20th century. For more information, call the library at 654-2407 or stop by Mon-Thu (10-12/1-6) or Fridays (10-12/1-5).

DAVE SAYS: Dave Ramsey is a personal money management expert, popular national radio personality and the author of three New York Times bestsellers – The Total Money Makeover, Financial Peace Revisited and More Than Enough. In them, Ramsey exemplifies his life’s work of teaching others how to be financially responsible, so they can acquire enough wealth to take care of loved ones, live prosperously into old age, and give generously to others.

Refinance in Baby Step 2?

Dear Dave,

My husband and I are on Baby Step 2, and we’ve paid off about $30,000 in consumer debt since March. We were wondering if we should refinance our mortgage. Our current rate is 4.875%, with 28 years remaining on the loan. We found a 15-year refinance at 2.5%, which would raise our monthly payments about $200, but we can handle that. We have $150,000 in equity in our home and about $207,000 left on the loan. What do you think we should do?

~ Raye

Dear Raye,

You two have done a great job this year! I’m so proud of what you’ve accomplished and that you’re looking to the future.

Baby Step 2 wouldn’t be affected, except that your monthly mortgage payment will go up a little. I wouldn’t pay the refinance costs out of pocket, though. I’d roll them into the loan. You’d be saving more than 2% by locking in this crazy-low interest rate, and you’re knocking the whole thing down to a 15-year loan. I love all that. It’s definitely worth the extra $200 a month to make it happen.

Think about it this way. You’re going to be saving more than $4,000 a year with the interest rate reduction. You’re not going to see it in cash flow because of the $200 increase in monthly payments, but over the scope of the loan, you’re going to be charged between $4,000 and $4,500 less per year for interest. All that money is going toward paying back the closing costs and reducing the principal built into the move from 28 years to 15 years.

Yes, you should do this!

~ Dave

Farm Apprenticeships for Montana Promise New Generations of Farmers

The Quivera Coalition, a New Mexico based organization, is working with Montana farms and ranches to place apprentices on-site to gain hands-on experience and knowledge from established producers in the hopes of encouraging more young farmers to keep family farms going and start agribusinesses.

The New Agrarian Apprenticeship Program offers informational calls that outline the details of the mentorship arrangement each intern can expect from their 400-600 hour direct contact with an assigned farmer or rancher over the course of about 8 months. Apprentices work from April to November following participation in a mandatory orientation that takes place in late March or early April.

During the eight-month apprenticeship, participants are given access to travel funds to offset the cost of transportation to and from the orientation as well as the Regenerate Conference, an annual event hosted by Quivera. Any remaining travel funds are encouraged to be spent on travel to other production sites for the apprentice to network and gain more knowledge to bring back to their prospective ag-business.

Many of the same benefits that are available to interns in other mentorship programs are available on a case-by-case basis and can include housing, living stipends, workers’ compensation, and days off with paid leave. Each of the unique mentoring relationships has its own criteria, and participants are encouraged to clarify their compensation and any fringe benefits before beginning the program.

More information can be found at the quiveracoalition.org website or by calling 505-820-2544. A few local Montana ranch families have apprenticeships available, including Havre’s Vilicus Farms, Grass Range’s Schultz Ranch, Chauvet Cattle Company of Big Sandy, and Barthelmess Ranch of Malta.

Wine Time specializes in rare and hard to find wines with prices starting at $10/bottle. They have selections that include white, sweet, red, or bubbly along with wine-related merchandise that make great gifts.

November is the beginning of Wine Time’s Wine Club that includes two bottles monthly with tasting notes and origin information. The timing of Wine Club’s launch is perfect for holiday gift-giving and sharing as the new year approaches.

More information on Wine Time’s selections, sales, and club details can be found on the Wine Time Facebook page, through e-mail (winetimemt@ gmail.com), or by calling 719-588-2674.

Complaint Filed for Ballot Initiative 190

On November 4th, the group “Wrong for Montana” and Steve Zabawa filed a complaint for declaratory judgment with the Montana First Judicial Court at Helena in response to the passing of bill “I-190” which was meant to allow for the production, regulation, and collection of revenue from recreational marijuana throughout Montana.

According to the Nature of Actions, which Zabara stated he and the group were seeking judgment include concerns about the potential controversy “whether or not I-190 can be properly enacted.” Additionally, the intial judgment’s nature of actions lists controversies of revenue generation and management as well as whether I-190 will violate the Montana constitutional prohibition on appropriation by initiative.

According to Zabawa, who is the “Wrong for Montana” Treasurer, “We believe it’s [I-190] deceptive” and he expressed concerns about the promises those who campaigned for the initiative made to Veterans as well as fish and wildlife groups who were told they would receive revenue from the sales of recreational marijuana.

Should the initiative be declared constitutional and allowed to remain, recreational marijuana sales and distribution actions would begin in January 2022.

Serve Montana Nominations Now Open

Nominations are now open for exceptional Montanans to be considered for the ServeMontana Awards for 2021. This award recognizes Montanans who demonstrate a commitment to helping others and serving their communities. The public is encouraged to nominate individuals from various backgrounds, ages, and service groups. Both individuals and groups can be nominated.

All service must be performed in Montana or by Montanans. Applications are due May 1, 2021. To learn more or submit a nomination form, visit serve.mt.gov or go to http://www.surveymonkey.com/r/ SERVEMTAWARD2021

Ranching For Profit Blog – Dallas Mount, CEO

Healthy Land, Happy Families and Profitable Businesses
www.ranchingforprofit.com

Fall is Planning Time

October 14th, 2020 by Dallas Mount

As fall work wraps up for most in cow country, now is the time to start planning for next year. Here are a few essential pieces of that plan:

– Gross Margin projections and analysis of key enterprises – Overhead projection and analysis
– Profit target setting and how profit will be used
– Grazing plan for next year

This list isn’t exhaustive, there are a lot of things that could be added. At a minimum, this list should make for some productive WOTB (Working On the Business) meetings this fall and early winter. If you don’t feel equipped to dive into these topics you are not alone. Most ranches don’t do these essential planning pieces. Most ranchers don’t know how to run a gross margin and wouldn’t know what it means if they did one. Most ranches are also making an economic loss almost every year. Most ranches are ranching for hobby, not ranching for profit. Eventually people get tired of the expensive hobby and the ranch will cease to exist. Not knowing how to do WOTB doesn’t excuse the fact that it needs to be done. If you’re not evaluating your business annually, maybe it is time to figure out how to do it.

We recommend fall as the time to do your economic projections because following fall work, you should have inventory numbers of each class of animal. In the fall, there are also plenty of opportunities to make changes to the plan and to fix problems you may find. Let’s say you do your gross margins on your cows and you find the number disappointing. Maybe your gross margin ratio is 45%, way short of the benchmark of 70% or better. The next step is to dissect the gross margin to see if the problem lies on the gross product (value of production) side or the direct costs side, like two branches of a tree. Using the tools we teach at the Ranching for Profit School, you can figure out, on which of these branches of the tree lies the problem. Then you can identify the deadwood and get to work developing strategies to fix them. It is empowering to be able to name the issue.

Maybe your gross margin is good, and overheads are too high. If overheads are high, we can cut overheads or find ways to produce more gross margin to cover them and hit our profit target. For many ranches, overhead costs that have expanded overtime make this the leading cause of unprofitable ranching businesses. Often too many people and things (equipment) are trying to be supported by too small of a business. There are ways to fix this problem but the approach will be unique to your ranch and will take courage to implement.

We will leave the topics of setting profit targets and grazing planning for another ProfitTips, but know these steps are critical to moving the business forward.

I hope you have the discipline to lead your business through these important planning issues this fall. The freedom and excitement that comes with identifying deadwood and developing strategies for change is one of the most rewarding aspects of farming/ranching. We would love to play a role in helping you lead your business into the future. We hope to see you in a school this fall.

Real Estate Section

Enjoying Everyday Life
Joyce Meyer

Discover Why You Really Can Trust God

Psalm 37:1-3 is a great promise for us in God’s
Word. It says, “Do not fret because of those who are evil or
be envious of those who do wrong; for like the grass they will soon wither, like green plants they will soon die away. Trust in the Lord and do good; dwell in the land and enjoy safe pasture” (NIV).

These verses reassure us that we don’t need to be worried about everything wrong that’s happening in the world, because God is still in control. And He’s going to take care of us as long as we trust Him and do good.

But we all have times when we wonder, “Is God really going to come through for me? Can I really trust Him…or do I need to have a backup plan? If God doesn’t come through quickly enough, how long am I willing or prepared to wait for Him to act?”

The truth is, whether or not you can trust God depends on whether you’re trying to get Him to give you what YOU want, or what HE wants. In other words, are you trusting Him to do His perfect will for you, in His perfect timing and in His way?

It’s good for us to tell God what we want and to ask Him for help when we need it. But sometimes we think we know what is right for us, or we want something so badly we feel we just have to have it; so instead of trusting God to do what is best, we tell Him what He needs to do.

We need to realize that we really are not smart enough to deal with the problems we face on our own. And when we don’t trust God, we end up trying to make something happen that only He can do, which just makes us frustrated.

I’ve discovered that no matter how badly I want something, I need to pray, “God, if what I want is not what You want for me, then please don’t give it to me. I want to do Your will in this situation, and I’m trusting You to give me what You want for me.”

This is especially important in situations where we don’t understand why things are happening the way they are. I remember when God told me to quit my job so I could stay home and study the Word more. This was the season when He was preparing me for full-time ministry.

It was so hard because without me working, we were $40 short of what we needed each month just to pay our bills. I would go to garage sales to buy clothes for my kids, and we kept giving and tithing as God spoke to our hearts to do it. For six years we had to have a miracle every month in our finances, and it didn’t make any sense to me at all why it was taking so long for us to get a breakthrough in our situation.
But I understand now that God was teaching me how to trust Him for every little thing I needed every day. Everything I went through with God during those six years prepared me to do what we’re doing in ministry now. And it takes a lot more to keep the ministry going today than what we needed to pay our bills back then.

I’m so glad God helped me stay determined not to give up or try to meet all of our needs in my own strength. I needed those years of being home full-time to study the Word and apply the biblical principles I was learning practically in my own life before I could do what I’m doing today.

You know, it doesn’t do any good to just know the Word in your head – you have to know it by experience through your relationship with God. We need to experience the faithfulness of God in our lives to grow in our trust in Him. I can honestly say now that some of the times I treasure most happened during those six years when God came through for us in miraculous ways. I didn’t always get what I wanted, but God always provided everything I needed.

You’re not going to know for sure if you can trust God until you have to step out in faith and experience His faithfulness. I want to encourage you today: Don’t give up on what God has put in your heart to do! No matter how hard it is to trust Him, be determined to keep doing everything He shows you to do.

As the Amplified Bible says in Psalm 37:3, “Trust (lean on, rely on, and be confident) in the Lord and do good; so shall you dwell in the land and feed surely on His faithfulness, and truly you shall be fed.” God is faithful, and you really can trust Him!

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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 Ministtries.

Classifieds

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

Daily Monday through Friday: Chinook Senior Center has lunch meals available for pick up. $5 for seniors, $6 for others. Cinnamon rolls and other treats available by ordering in advance. Call to find out more or place an order today: 357-2648. 6-I:X

For Sale:  Artwork by Howard Terpning, the foremost painter of Native American related material.  See Montana’s largest display of Terpning art at Big Sky Images & Collectibles in the Havre Holiday Village Mall. 406-399-6522. 11-I

Rudyard Community and Gildford Senior Centers have their menus available on the Rudyard Community Facebook page. Call Rudyard Center (355-4240) or the Gildford Center (376-3170) to schedule meals. 6-I:X

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

Position Opening:  Extension Agent – 4-H/Youth Dev. & Family/Consumer Science- Blaine County, Chinook, MT. Full time. Will provide leadership and educational programming in 4-H/Youth Development and Family and Consumer Sciences. For info and to apply: www.msuextension.org careers. Screening begins October 22, 2020. Equal Opportunity Employer, Veterans/Disabled. 11-I

For Sale: 39890 HWY 2. CHINOOK  A little paradise on the Milk River, approximately 6 acres with a 4 bedroom, 2 bath home, with a 3 stall detached garage, that is attached to 38 by 40 insulated shop. The property has access to the Milk river and 4 acres of vested water rights. 2.92acres is lease ground that will transfer with the sale. Price Reduced $295,000. Call Property West, 406-262-3035 11-I

For Sale: 2009 Dodge 2500 mega cab 6.7L diesel 123,xxx miles.  Good condition.  Not used on ranch.  Asking $22,000.  Call 406-301-3265 after 5 pm. 11-I

Northern Acres Appraisal Service: Know what it’s worth!  Call or email Ernest Goettlich, Certified General Real Estate Appraiser at 942-0419 or email northeracresapp@gmail.com.  11-II

For Sale: 2000 Cat 95E.  3635 hours, Trimble auto-steer, nice clean tractor.  Asking $75,000.  Call 390-3177.  11-II

For Sale: For Sale: 836 5TH AVE, HAVRE MT, Beautiful home in the downtown area.  Updated and given much care and thought in to keeping this home as original as possible. 2 bathrooms on main floor have heated floors and master bath has a heated Jacuzzi tub and 2 walk in closets. Finished basement consists of Rec Room with wet bar, office, laundry and 2 bedrooms with egress windows and 1 bathroom Ample storage throughout. Exterior recently repainted and roof re-shingled.  Fenced back yard. List Price $320,000 Call Property West, 406-262-3035  11-II

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