Billings Business Dec. 14

5 Minutes witH

Andrew Newman

Montana Dakota Utilities

Downtown Billings

A look at the lineup of new businesses

December 2014

Formula for

success Montana Energy Review: Energy industry embracing gender diversity

Billings Business 401 N. Broadway Billings, MT 59101-1242

CONTENTS

December 2014

An indispensable business resource On the Cover Erica Leighton works at All American Pharmaceutical, sorting the product Kre-Alkelyn Hardcore in the Billings Heights plant.

Photo by JAMES WOODCOCK

FEATURES

Formula for success........................................................................................................................................................................................ 6 Montana’s SBA lending exceeds $104 million in 2014 fiscal year................................................. 21 New downtown businesses sprouting................................................................................................................................22 Construction Zone..........................................................................................................................................................................................25 Montana Energy Review

Diversity being embraced in energy industry........................................................................................................... 16 Energy briefs........................................................................................................................................................................................................ 18 Columns

Economic Development..........................................................................................................................................................................10 Dena Johnson - We can help small-business owners become innovators Women in engineering in Billings the community say a diverse workforce is a key to improving the nation’s competitiveness, Page 16

Sales Moves...........................................................................................................................................................................................................14 Jeffery Gitomer - When anticipating change, it’s best to look forward, embrace opportunity

Better Business..................................................................................................................................................................................................23 Erin T. Dodge - New credit card technology is more secure, but the transition can be tricky

Travel & Leisure.................................................................................................................................................................................................24 Billie Ruff - Not all business trips require an overnight stay billings BUSINESS EVERY MONTH

From the Editor........................................................................................................................................................................................................4 By the numbers......................................................................................................................................................................................................5 The local economy at a glance

Five Minutes with............................................................................................................................................................................................12 Andrew Newman- Montana Dakota Utilities

Chamber News.................................................................................................................................................................................................. 11

24 Hour Emergency Flood & Fire Restoration Services Commercial & Residential

Flood or Fire, we will restore your property from beginning to end.

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Bruce MacIntyre - Population gains, losses lead to redistricting every decade

Business Briefs..................................................................................................................................................................................................38

Billings Business is mailed each month

Success Stories.................................................................................................................................................................................................39

to area business owners, managers and

The Listings............................................................................................................................................................................................................41

decision makers for $19.95 per year.

To subscribe, please send payment, name, business name, mailing address and phone number to:

Page 12 Andrew Newman

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Billings Business 401 North Broadway Billings, MT 59101 Billingsbusiness

Billingsbusiness

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the editor

L ower gas prices please consumers , but producers face challenges With the holidays at hand, consumers are feeling a little more flush now that gas prices have dipped below $3 a gallon.

Who should they thank for making the cost of filling up the minivan a little less daunting?

A good place to start would be by recognizing the scientists, geologists and engineers who developed the technology to squeeze more oil from tight shale formations. Despite controversy about the safety of hydraulic fracturing, there’s no doubt that technology has been a game changer for the domestic oil and gas industry.

As 2014 nears a close, oil prices have tumbled from their $100-per-barrel perch and could even hit the $60 range, thanks to a worldwide supply glut. Much of that new supply has come from the boom in domestic shale production.

Meanwhile, demand for oil has softened because of sluggish economic growth and because newer cars are burning less gas.

Although consumers are welcoming lower gas prices, the oil glut has the potential to curb a boom that has driven the economy in Texas, North Dakota, Montana and other oil- and gasproducing states.

OPEC heavyweight Saudi Arabia, which has been displaced as the world’s largest oil producer by the United States thanks to the shale oil boom, is scrambling to hold on to its market share by discounting its oil. That’s an about-face from past practice, when OPEC producers frequently scaled back production in order to prop up prices.

Some analysts are predicting that oil prices will rebound next year. But there are also hints of a slowdown.

In late October, ConocoPhillips announced it would scale back its domestic exploration budget because of lower oil prices.

On Nov. 4, MDU Resources Group Inc. announced it plans to sell its Fidelity Exploration and Production business, which operates in the Bakken.

“Although we continue to see attractive investment opportunities at Fidelity, the capital required to effectively grow the business would compromise our ability to fund the substantial opportunities we are seeing at our other lines of business,” said David L. Goodin, president and chief executive.

These days many people are wondering: What’s the

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break-even price for Bakken oil?

Here’s a sampling of estimates from a variety of analysts: n Bernstein Research: $80 per barrel n Morningstar Inc.: $70 per barrel n UBS Investment Research: $65 per barrel n Wells Fargo Securities: $85 to $90 per barrel n Goldman Sachs: $64.74 per barrel n Robert Baird Research: $61 per barrel n The Economist: $60 per barrel For years, Bakken producers have been developing new strategies to control drilling costs and boost productivity of their wells. One of the biggest challenges to working in the Bakken is how quickly oil production tails off once a well is completed. A well that starts out producing 1,000 barrels per day may see its production fall to a fraction of that within a few months. For traditional oil wells, the production decline curve typically has a much more gentle slope.

Some industry advocates have argued that eliminating a 40-year-old ban on oil exports could go a long way toward helping out domestic producers. Congress banned oil exports in the ‘70s in the wake of OPEC’s oil embargoes.

The export ban made sense when the United States was importing about two-thirds of its oil. But in the wake of a surge in domestic production, it’s time to end the export ban, said Rayola Dougher, a senior economic adviser for the American Petroleum Institute. She was in Billings recently to speak to an industry group.

Part of the problem is that Bakken crude has had trouble finding a home. That’s because in recent years many American refineries have been reconfigured to process the heavy sour crude, but not the sweet crude being produced from the Bakken. As a result, Bakken crude often sells at a discount.

Dougher argues that ending the export ban would help eliminate the sweet crude discount, bringing the world oil market into balance. In the long run, that would be good for producers and consumers, she said.

To some, the nation’s ban on crude oil exports seems as outmoded as leisure suits and disco. Congress may or may not overturn the export ban. But if nothing else, it serves as a reminder that oil is still bought and sold on a global market that’s beyond the controls of any one country.

December 2014 • VOLUME 21 • NUMBER 3

mike gulledge tom howard COPY EDITOR chris jorgensen GENERAL MANAGER allyn hulteng PUBLISHER

editor

SALES

dave worstell ryan brosseau RETAIL Sales manager shelli scott ADVERTISING Sales gail ball advertising Coordinator linsay duty

Sales & Marketing Director Classified Manager/online manager

PRODUCTIOn

designer creative director

alyssa small bob tambo

SUBSCRIPTIOnS

Billings Business is mailed each month to area business owners, managers and decision makers.

To subscribe for $19.95 per year, please send payment, name, business name, mailing address and phone number to:

Billings Business

401 North Broadway

Billings, MT 59101 Advertising For retail advertising call Gail Ball 657-1284. For classified advertising, call 657-1212. Advertising deadline for the February 2015 issue is 5 p.m.

Tuesday, Jan. 6. You may send material to ads@billingsbusiness.com or FAX to 657-1538.

News If you would like to submit a news tip, story idea, announcement about your business or press release, please e-mail it to: editor@billingsbusiness.com website: www.billingsbusiness.com Information published herein does not reflect the opinion of Billings Business. Contents are the property of Billings Business.

Billingsbusiness

Personal

By the Numbers

Business

LocaL and regionaL economic trends

real estate Member FDIC

agriculture Shiloh & Grand 655-3900

WE’RE NO. 6

Downtown 655-2400

8

Billings housing starts 50 40 30 20 10 0

May

June

July

August

May to October 2013

September

October

50

6 5 4

331

20

2

10

0

0 July

August September October

2013

Glacier National Park

July to October 2013 July to October 2014 July to October 2013 July to October 2014

Missoula

July to October 2013 July to October 2014

July to October 2013 July to October 2014

2014

Ag prices

August September October

Bozeman

July to October 2013 July to October 2014

YTD Through Oct. 31

July

Billings

Source: National Park Service

Source: Montana Department of Transportation

Unemployment

Montana Beef Cattle

(per bushel)

30

Yellowstone National Park

May to October 2014

Montana winter wheat

40

3

1 372

Source: City of Billings

$8 7 6 5 4 3 2 1 0

60

7

New single-family home building permits 400 350 300 250 200 150 100 50 0

70

9

Source: Tax Foundation

Worden 967-3612

Airport boardings

National park visitors

Montana has the nation’s sixth best business tax climate, according to the Tax Foundation’s 2014 ranking.

60

14th & Grand 371-8100

In thousands

Hilltop & Main 896-4800

In hundred thousands

King Ave 655-2700

www.stockmanbank.com

8%

(per cwt.) $175

6

150 125

4

100 75

2

50 25 May

June

July

Aug.

Sept.

Oct.

May to October 2013 Source: U.S. Department of Agriculture

Billingsbusiness

0

0 May

June

July

May to October 2014

Aug.

Sept.

Oct.

April

May

Montana

June

July

Yellowstone County

August

September

U.S.

Source: Montana Department of Labor and Industry

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Formula for

success Erica Leighton works at All American Pharmaceutical, sorting the product Kre-Alkelyn Hardcore in the Billings Heights plant.

Photo by JAMES WOODCOCK

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Billingsbusiness

All American Pharmaceutical gearing up for expansion

By TOM HOWARD I nfant formula bearing the A merica ’ s P ride label and manufactured by a B illings company will soon appear on retail shelves in

C hina as the world ’ s most populous nation continues to recover from a devastating food safety scandal .

The venture also provides a big new opportunity for All American Pharmaceutical.

Formula tainted with the industrial chemical melamine killed six children in China.

Another 54,000 were hospitalized beginning in 2008 as the crisis unfolded. In its wake, 21 people were convicted of criminal charges and of those, two were executed.

Although Chinese officials have turned to foreign products to ease consumer fear over tainted formula, another recent development paved the way for All American to enter the baby formula market, said Jeff Golini, the company’s founder and executive scientist.

Last year China eased its controversial one-child family planning policy, and demand for formula is expected to grow now that millions of Chinese families can look forward to having two children instead of one.

The worldwide market for baby formula has grown from $36.7 billion in 2010 to a projected $55 billion in 2015, according to Statista, a marketing-oriented website.

Billingsbusiness

All American’s expansion plan will soon kick into gear as the company completes a yearlong authorization process that involves documenting and submitting formulations to Chinese officials. Golini hopes to begin production late this year or early in 2015.

“Chinese mothers won’t use products made in China because of the melamine problem, so now everything has to be imported,” Golini said. “They’ve shut down shipments from many countries because of low quality.

But we’ve been able to get approved because we’re known for quality, and this will be a big boost for Montana.”

All American Pharmaceutical has operated out of the former Heights Kmart store since 2006. The building is currently large enough to accommodate the expansion, although equipment will be purchased as the project ramps up, Golini said.

All American plans to hire 20 to 30 people to supplement its current workforce of 135.

The plant now operates on a two-shift schedule, but

Photos by JAMES WOODCOCK Jeff Golini, owner of All American Pharmaceutical, discusses his expanding pharmaceutical business.

At top, Dustin Morledge, a blending operator at All American Pharmaceutical, mixes ingredients in the Billings Heights plant.

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Photos by JAMES WOODCOCK Above, All American Pharmaceutical has operated in the former Heights Kmart store since 2006.

At left, Dustin Morledge, a blending operator at All American Pharmaceutical, mixes ingredients in the Billings Heights plant.

a third shift will likely be added as production grows.

A promotional website for Kre-Alkalyn, one of All American’s more popular supplements, describes Golini as a former bodybuilder turned scientist. He has developed many products that the company sells.

Golini, who has completed a doctorate in quality management and master’s degrees in quality management and business management, has other expansion plans in the works.

All American Pharmaceutical has received an $80,000 grant from the Montana Board of Research and Commercialization Technology to fund a study on one of its patent-pending nutritional supplements.

KarboLyn is an energy-supplying product that is metabolized like a sugar, but contains no sugar. Like many products sold by All American, it’s used by athletes who want to improve their performance. But it’s also being studied for other potential health benefits.

“The athletes love it because they can use

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it in their pre-workout routine,” Golini said.

“But there’s also interest in using it for people who are in the pre-diabetic stages.”

Big Sky Economic Development, Yellowstone County’s economic development agency, is also involved in the expansion.

BSED is helping All American seek a state grant from the Big Sky Economic Development Trust Fund, a Montana Department of Commerce-administered program that assists expanding companies.

All American Pharmaceutical sells its own products and also does contract manufacturing for other companies. It sells products distributed in powder, pill, liquid

and capsule form.

Three companies — Mead Johnson Nutrition Co., Abbott Laboratories and Gerber — dominate the domestic market for baby formula. Last year Abbot and Mead Johnson each reported sales of about $1.3 billion, followed by Gerber, with sales of $781 million, according to Statista.

The Billings company has no plans to market baby formula in the United States, Golini said. America’s Pride formula will contain dairy products, but it will also contain a number of ingredients, such as fish oil, that are geared toward the Chinese market.

Golini believes that Chinese consumers

will embrace All American’s baby formula in part because labels will be written in Chinese.

Golini started making dietary supplements in 1985 while he was a professional bodybuilder. He moved his family from California to Montana in 1992, during an era when many businesses sought greener pastures away from California’s high-cost, highly-regulated environment.

The move to Montana has paid off as the company has experienced consistent growth.

A visit to All American Pharmaceutical illustrates the company’s commitment to security and quality control. All visitors must be buzzed in at the front door. Workers who

mix, package and ship products would look at home in an operating room. They’re attired in scrubs, shoe covers, hairnets and masks, and they must follow a strict handwashing protocol.

Products are consistently sampled and tested throughout the process to ensure quality.

As a manufacturer and a clean industry, All American Pharmaceutical is the kind of business that creates excitement for people interested in job creation.

“We bring all of our raw materials in. We process it and ship it out. That’s bringing new money into the community,” Golini said.

Photo by JAMES WOODCOCK A machine fills bottles of Karbolyn at All American Pharmaceutical.

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SPONSORED BY THE big sky economic development

W e can help small - business owners become innovators

The EIU predicts that by 2022 consumers will be visiting stores to find items they like but that they will be more likely to make the ‘relevant purchase on their phones.’

Dena Johnson Dena Johnson is the regional director for the Small Business Development Center at Big Sky Economic Development. She can be reached at 406-869-8412 or by e-mail at dena@bigskyeda.org.

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The Center for Retail Research expects online sales in the United States to reach $306 billion in 2014. A large and growing percentage of these sales are made on mobile devices. If you have a smartphone, you too have probably enjoyed buying something from the comfort of your couch or while on the go. In fact, Amazon’s newly released product, Echo, at first appears to be a cross between Apple’s Siri and a Sonos speaker, but industry experts predict it’s Amazon’s first step into having this new device order everything from eggs to electronics for you simply by speaking to it. According to the Economist Intelligence Unit, this trend will continue to grow exponentially, and by 2022 we will see “very much a mainstream means of shopping.”

Smaller businesses, however, should not sit by the sidelines.

Don’t be afraid of growing slowly, but be very afraid of standing still. Small business, and your business, simply cannot afford to stand still. Not now and not ever. Every year the seasons change. The leaves fall, the clocks turn back, holiday sales start to come in and the cycle begins again. But what is different this year?

What new innovations or challenges is your company tackling? Is there a new product, or a new competitor? Cash flow issues? Definitely new technology. The EIU predicts that by 2022

consumers will be visiting stores to find items they like but that they will be more likely to make the “relevant purchase on their phones.” This means that you will either have to capture the market share of in-store shoppers the best you can or have an online presence. Essentially, the same product that is on your shelf can be found online.

When understanding how you’ll gain your percentage of the online/mobile market share, first consider the benefit to your customers. Can you differentiate yourself by price, shipping services, return policy, a rewards program? Maybe your product is different by offering an intuitive and pleasant buying experience.

For others, they prefer the pleasant in-store buying experience. Look at Scheels and its spectacular display of endless options. While there, you can ride a Ferris wheel, eat lunch, enjoy a coffee while you shop, go bowling, show your kids a 16,000-gallon aquarium, test out the goods in their sport simulators and more. In addition, the staff is committed to service and product knowledge.

They have created an experience. How can you do that in your business?

You may be thinking that there is no way you have room to build a Ferris wheel. But you don’t have to. You just need to be thinking strategically about what your customer would

want, appreciate and ultimately become uber-loyal to your company. Relationships are more than ideal — they are vital.

Every chance to connect builds a loyalty base. How do you interact with shoppers and what are you doing to keep up with changing technology advances both in your store and virtually?

Not every option will work for your business but the market is changing and the future of consumer spending is more than crystal clear. Just because sales are up this year doesn’t mean you don’t need a strategic plan.

The Small Business Development Center at Big Sky Economic Development is ready

to help you create your company’s next steps. Our team and expert volunteers are committed to economic development and small business is at the forefront of our mission. Don’t stand still — stand up and drive your own profitability to deck these Christmas halls with innovation.

January 23-25, 2015 Rocky Mountain College billings.startupweekend.org

Do you want to learn how to bootstrap and build a business idea into a sustainable strategy? Bring your idea or just yourself and get insight from expert consultants and fellow attendees. Refine your technical skills and gain knowledge about building a business in today’s economic environment through networking with like-minded peers.

Do you have a great idea for a business? Now is your chance to make a pitch to peers and business professionals. Don’t miss this opportunity to take your idea to the next level.

RegisteR toDay at billings.startupweekend.org Registration discounts available. Seats are limited.

(Registration includes all meals and snacks over the weekend)

Billingsbusiness

Upcoming Chamber/ CVB Functions More details and RSVP: www. billingschamber.com or call 245-4111

SPONSORED BY THE BILLINGS CHAMBER of Commerce and CVB

December Business After Hours Wednesday, Dec. 10, St. Vincent Healthcare, North Shiloh Road, 5-7 p.m. Cost is $8.

C hamber turns to C harlie and G us to help bring tourists to town

Our spectacular, unspoiled scenery and incredible opportunities for adventure catch people’s eyes at every turn.

Kelly McCandless Kelly McCandless is communications manager for the Billings Chamber of Commerce Convention and Visit Billings.

Contact her at 406-869-3732 or at Kelly@ billingschamber.com.

Billingsbusiness

Tourism is an industry in Billings that, despite its economic impact, is often not considered as one of our community’s heavy hitters.

Energy — yes. Healthcare — yes. Agriculture — yes. But with over $250 million year flooding into Billings from visitors, the industry is one to take seriously. The team at Visit Billings works day in and day out enticing visitors for meetings and conventions, sporting events, and simply for leisure travel. You probably don’t see the work, but you feel the effect when our hotels are full and the cash registers ring. So, how do we do it?

Visit Billings is a team of four full-time equivalent employees funded by a combination of State Lodging Tax dollars and the assessments collected by the Billings Tourism Business Improvement District. These staff members work leads, attend tradeshows and build relationships all over the country in an effort to bring events to town. Booked events include everything from the NCAA DII West Region Cross Country Championships held in November, to the BMW MOA International Rally scheduled for July 2015.

A more constant and, at times, less noticeable stream of visitors comes from the leisure travelers who make Bill-

ings a stop during vacation.

Recruiting leisure travelers is an ongoing effort which takes place on many levels: regional, national and international. The recruitment effort always changes, depending on who we are talking to. We may spotlight events for regional visitors, or highlight Montana icons for national and international guests.

This holiday season, our efforts will take a calculated and exciting risk. Data from the Institute for Tourism and Recreation Research shows us that Billings and Montana visitors often come from specific feeder markets. Places where we offer accessible flights and easy transport naturally bring us the most visitors. One of those markets for Montana’s Trailhead is Minneapolis/St. Paul. So, this holiday season you’ll see Billings take over part of the MSP airport. Every advertising spot in Concourse G, one of Delta’s national and international terminals, showcases Billings. The best part? Our spectacular, unspoiled scenery and incredible opportunities for adventure catch people’s eyes at every turn.

There are authentic teepees, the Rimrocks and our very own Yellowstone River on the windows and calls to action referring to attractions on the soffits and the columns.

Where we really shine is in

two significant wall wraps which introduce the holiday patrons in Concourse G to Charlie the life size Bison and Gus the life size Grizzly Bear.

Charlie and Gus are displayed against authentic imagery and invite patrons to take their photo with one of the remarkable creatures.

People who wish to play can upload their photos to our Facebook page and will compete to win two round trip

Ag Appreciation Banquet Friday, Jan. 16, 2015, Holiday Inn Grand Montana; 6 p.m. cocktail hour, 7 p.m. banquet; $45/members, $55/ non-members

January Business After Hours Wednesday, Jan. 14, 2015, MetraPark Montana Pavilion, 5-7 p.m. Cost is $8.

airline tickets to Billings. And, anyone who opts to upload a photo will receive a $20 voucher toward a hotel room in Billings when they come to visit.

Win or lose, travelers will create memories while stuck in the airport this holiday season, all thanks to Billings.

More than 1 million people will walk through that concourse during the six weeks Billings displays there. The

lasting impression will be fun, memorable, and will, hopefully, add Montana’s Trailhead to the list of destinations leisure visitors consider along their vacations.

Visit Billings, composed of the Billings Convention and Visitors Bureau and the Billings Tourism Business Improvement District, is managed by the Billings Chamber of Commerce. Learn more at www.VisitBillings.com.

BillingsChamber.com

Shop Local at

Montana’s trailhead this holiday season, and always, support your friends, neighbors and the local economy. #shopBillings Find a list of Chamber member businesses to shop with at BillingsChamber.com.

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Andrew Newman

focus A customer

By TOM HOWARD

A s a consumer sales representative for the R ocky M ountain R egion at M ontana D akota U tilities , A ndrew N ewman spends a lot of his time prospecting for new customers , and quite a bit of time making his existing customers happy . I n short , MDU has a lot going on in B illings these days .

Photo by BOB ZELLAR Andrew Newman.

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Tell us a little bit about what you do in your job.

I am responsible for the implementation of established marketing programs to retain existing core energy customers and to increase our customer base through the marketing and sale of utility services to economically feasible expansion areas. I provide expertise and support for existing and prospective residential, commercial and industrial customers. One of my favorite roles is being up-to-date with trends and developments in new energy products and services. I like to define my position as a “Utility Player.” My dad always taught me to never be above any job, and to never ask a person to do a task that you are not willing to do yourself. This is a philosophy that I’ve adapted and apply to my life.

Do you interact with retail consumers?

In my business, virtually everyone is a retail customer. Whether I am training the local fire department, completing large customer variance reports, educating and informing the public, or supporting local organizations through sponsorships, are just a few ways that I interact with retail customers. The most important element I can remember when interacting with customers is that I am one myself. This component allows me to operate

effectively by actually wearing their shoes and knowing how the decisions I make will affect me as not only an employee of MDU but as a customer.

What do you do with the business community?

MDU’s slogan is “In the Community to Serve.” Being actively involved in the community is very important to us. As employees we are encouraged to be active in the community by finding ways to give back and help when in need. Some of my personal favorites are coaching youth sports and volunteering with community events. I am also a member of the Billings Chamber of Commerce and the Home Builders Association of Billings.

What kinds of trends has MDU been seeing in the Billings area in terms of utility hookups?

Most of our residential service line installs are on newly constructed homes. However, we target homes that rely on propane and electricity for their main heating sources. These conversion type services are considered to be added customers to MDU but are not considered to be growth to the community. One of the most accurate ways to track growth within our community is to study new residential permits. Over the last five years, MDU’s trend

studies have shown an average of 1 percent growth according to the number of customers added into our data base.

How is the methane recovery project at the Billings landfill going?

Successful. The first two collection phases are considered to be vertical collection systems. Vertical drills were made in the established parts of the landfill ranging from 60 feet to 130 feet deep. We are now on our last leg of phase three and about to kick off phase four. Phases three and four are considered horizontal collection systems. As waste or garbage as you know it is piled up, we can go in and install perforated pipe in lifts. In other words, every time we have 15 feet of waste stacked up we install collection pipe, then 15 feet of garbage and more collection pipe and so forth. This allows us to start collecting methane almost immediately. In a vertical system we have to wait until the waste is piled up much higher.

What’s the prospect for natural gaspowered vehicles taking off in the Billings area? Will we be seeing more of them any time soon?

We are living in a very exciting time with lots of technological breakthroughs. Having the ability to choose a combustible natural gas (CNG) powered vehicle that is more environmentally friendly and cheaper to maintain and operate, is one of the many we are seeing and certainly is becoming more popular throughout the country. Trends show that a fleet of commercial type vehicles are typically the first in a new area to convert. Once proven, we will start to see more and more growth within the area. MDU has entered into a very exciting project with the City of Billings. Two newly purchased CNG powered waste disposal trucks are close to being in full operation. We look forward to growing our partnership with the city and community by providing a safe, dependable and economical service.

Billingsbusiness

What are the deadlines to enroll in the Health Insurance Marketplace?

• November 15, 2014 to February 15, 2015. You can apply for, keep, or change your coverage during this Open Enrollment period.

• December 15, 2014. Enroll by the 15th if you want new or different coverage that begins on January 1, 2015.

This is confusing.

How can I get help?

Billings Clinic is a Certified Application Counselor Organization with counselors available to help patients with health insurance questions or enrollment.

• Scheduled appointments available Monday through Friday, from 7 am to 6 pm.

Call 238-2601 or 1-800-332-7156, ext. 2601.

Things you need to know about health insurance Why should I care about health insurance?

Health insurance is an important way to guard your health. You may qualify for tax credits or discounts to help you afford health insurance coverage.

Can I see my favorite doctor?

Before you enroll, find out if your favorite doctors, hospital and pharmacy are “in-network” in your chosen insurance plan.

Billings Clinic is in-network with Blue Cross Blue Shield, PacificSource, Montana Health CO-OP Access Care, WINhealth and Time/Assurant Health plans. Billings Clinic is out-of-network in Montana Health CO-OP Connected Care plans, and you will pay more in out-of-pocket costs to see Billings Clinic providers under these plans.

Billingsbusiness

• If you need assistance with small business health insurance coverage, please contact the Small Business Administration at 406-441-1081, sba.gov/healthcare or go to healthcare.gov for the Health Insurance Marketplace.

Go to billingsclinic.com/marketplace for: • Insurance Finder to confirm if Billings Clinic is in-network with the insurance plan you are considering • Links to other trusted websites: MontanaHealthAnswers.com (Montana Insurance Commissioner) and healthcare.gov (Health Insurance Marketplace)

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SALES moves

W hen anticipating change , it ’ s best to look forward , embrace opportunity

To effectively deal with any change in your life, I recommend that you take a different perspective on looking at it.

Jeffrey Gitomer Jeffrey Gitomer is the author of The Sales Bible and The Little Red Book of Selling.

Reach him at 704-333-1112 or email salesman@gitomer.com.

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For most people,“change” is a mixture of what was, what used to be, what is present, what I’m being faced with now, what I believe the future holds, and what I have to change to face that future.

In short, how does this change affect me, my family, my lifestyle and my position?

That’s a hell of a lot to think about, and that’s why change is so perplexing, so resisted, and often so fought against.

The answer to this age-old problem was discovered more than 2,400 years ago and has been hidden. When Socrates said, “The secret of change is to focus all of your energy, not on fighting the old, but on building the new” he was giving you (and me) the wisdom of his age, and 2,400 years later it is still wisdom of our age.

Socrates reality interpretation: The more you can concentrate your thoughts and actions on what will be tomorrow, the easier it will be for you to accept today, adapt to today, and the less likely you are to dwell on what was.

Gitomer interpretation: Add “forward” to the word “change” and when something changes, think, change forward.

Known as “drinking fountain conversation” or “pity parties,” many people, not you of course, spend about 74 percent of their time griping, whining, blaming, and lamenting any sort of change.

None of these elements will productively move you forward as a person, and all of these elements will keep your

mind closed to what your new potential or opportunity might be.

Just so we’re clear, there are three predominant types of change to deal with: 1. Business or career change – which could also affect revenue.

2. Family change – both positive and negative. We have a new child. I’m getting a divorce. My mother died.

I’m getting married.

3. Personal change – which can be affected by business and family changes, but can also be an issue relating to neither. Think: health and finances.

To effectively deal with any change in your life, I recommend that you take a different perspective on looking at it. Mine has always been to look at the circumstance and call it opportunity rather than call it change. That automatically makes you look toward the future. That automatically makes you look at what could be positive. And that automatically points you in a direction of looking forward to what’s next, rather than backward to what was. In other words: Change forward.

When I say “opportunity” you immediately think of something good, and subliminally in your mind, you might think, “How can I best take advantage of this opportunity?” rather than thinking, “Oh crap, the sky has fallen.”

Author’s note: Having a 5-year-old child in my life has awakened me to kid’s movies and their lessons. I recommend that each of you go out and buy or rent the

movie “Chicken Little.” It’s a great lesson and will help you come to the conclusion that the sky is not falling. (I only watch kids movies now. Big lessons.)

The next action is for you to identify what the opportunity is, in writing. When you write things down, clarity almost immediately occurs.

Writing down what happened will help you under-

stand why it happened and no matter if that why was good or bad, it is now the new reality. Once you’ve identified the history, you have to list at least a dozen good things that can happen as a result of it. The first few will be hard, especially if there’s any anger or fear attached to your change.

Identifying the opportunities will begin to calm you

down and help you realize that with a combination of hope, attitude, and hard work, things will get better.

They did for me. I gave myself permission to move on and move forward. No matter what the change is, keep your eyes and mind open to the opportunity, and keep the faith in yourself.

Don’t fear change, change forward.

Billingsbusiness

Stillwater Mining Co. gets recognition

By BILLINGS BUSINESS

BLM recognized Stillwater for its involvement and engagement in various partnerships and outreach initiaStillwater Mining Co. has tives at the local, state, and federal levels, in addition to been recognized by the Bureau of Land Management for the company’s commitment its reclamation and sustain- to corporate responsibility.

“This award further able mineral development. acknowledges Stillwater’s The BLM recently honored ongoing commitment to Stillwater with its Hardrock social responsibility and our Mineral Community Outreach and Economic Security social license. At Stillwater, we believe in working with Award.

In granting the award, the our governmental partners

and the local organizations, community, and conservation groups to ensure our facilities are operated and managed responsibly to the benefit of all,” said Mick McMullen, the company’s president and chief executive officer. “We believe our success not only translates to our immediate stakeholders, but also to those communities and our neighbors in south-central Montana where we live and work.”

Your Local Bank. Your Opportunity.

455 S. 24th Street W. • (406) 256-1891 www.opportunitybank.com

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December 2014

I

15

Montana energy review

Diversity being embraced in energy industry

By TOM HOWARD As a youngster, Chelsie Wharton had no doubt she would someday design roller coasters for a living, even if she didn’t know the exact title for her dream profession.

“When I was your age, I didn’t really know what an engineer was,” Wharton told a kindergarten class at Washington Elementary recently.

“I loved math. I was always counting my blocks and keeping track of the squares when I played hopscotch.”

Wharton, who grew up in Billings, parlayed her love for math and science into an engineering degree from Montana State University. But instead of dreaming up a new scream-inducing version of the Space Mountain ride for the Walt Disney Co., Wharton went to work at the Billings ExxonMobil refinery. As a process engineer, she helps keep the refinery running in tip-top condition.

Wharton explained that solving problems is a big part of what she does, and an engineer’s job is never boring. Some of her essential problemsolving ideas for work come to her while she’s outdoors, hiking, biking and skiing. To help illustrate what she does at work, she provided a simple experiment to show how the refinery works.

Pouring colored liquids of different densities into a jar, she demonstrated how crude oil — the stuff is made from the leftovers of ancient plants and even dinosaurs, she said — separates into different products during the refining process.

A layer of gooey honey was so thick that it required a little bit of shaking to cover the bottom of the jar. That was topped by a layer of bright blue dishwashing detergent. A few bubbles appeared when Wharton used a syringe to float a layer of water on top of the detergent. On top of that, she siphoned a layer of olive oil. She topped the multihued parfait with the lightest substance of all — pink nail polish remover, made from acetone.

These layers represent the wide variety of products produced by the refinery: asphalt for 16

I December 2014

Photo by LARRY MAYER ExxonMobil engineer Chelsie Wharton, right, shows Washington Elementary kindergarten students how fluids of different weights can behave like crude oil that’s processed in a refinery. Washington Elementary is one of several schools participating in a science and math-oriented curriculum known as Project Lead the Way.

paving roads, diesel fuel and gasoline for powering transportation, and propane used to heat homes and fuel barbecue grills.

Wharton asked the class what life would be like if there was no propane for cooking on the barbecue.

“You’d have to use the stove,” one boy observed.

Wharton’s visit to Washington Elementary was made possible through Project Lead the Way, an effort to encourage students’ interest in math and science careers. Earlier this year, ExxonMobil contributed $25,000 to the initiative.

Washington Elementary kindergarten teacher Melissa Soucy said Wharton’s presentation serves as a reminder that women can make great engi-

neers. Likewise, studies show that students are better prepared for careers when they learn about them at an early age, she said.

“Project Lead the Way brings a curriculum into the schools that’s focused in STEM (Science, Technology, Engineering, Math) education and follows the Common Core standards with handson science and math activities,” said Monica Mainland, manager of the Billings ExxonMobil refinery. “It makes them better critical thinkers.”

In 2012, the Program for International Student Assessment found that American students ranked below average in math achievement when measured against their peers in 65 developing countries. Likewise, students from 22 other countries outperformed Americans in science.

Mainland said Project Lead the Way aims to improve the competitiveness of American businesses by closing the achievement gap.

Already, some students seem to be responding.

Mainland shared a story of one classroom exercise in which groups of students were instructed to build the tallest structure possible using strands of uncooked spaghetti and a marshmallow. One normally shy student began asserting himself and came up with a design that beat the competition by a wide margin.

“We often talk in big-picture terms about standards and curricula,” Mainland said. “But here’s a 10-year-old boy who was able to demonstrate that he understood science. They all want Billingsbusiness

him to be on their team now when they do science projects.”

Running the refinery in a safe and environmentally responsible manner requires a capable workforce, Mainland said.

“We have 250 employees and 80 contractors.

It’s incumbent on us to assure the long-term viability of the facility. And at the end of the day, it all comes back to people,” she said.

“As an employer, I want to know that kids today are going to show up and be ready to work and contribute so that we can extend the viability of this facility,” Mainland said.

Mainland, the first woman to manage the Billings ExxonMobil refinery, said diversity enhances the workplace.

“You have people bring to the table a variety of backgrounds and ideas in which the collective strength is stronger than the sum of the individual parts. That’s why it’s incumbent on us to have women, minorities and people from different operational backgrounds, so that when we bring it together, we have a better solution for the refinery and the company,” she said.

Mainland, a native of Canada, said her father was an engineer, so she was familiar with the profession. In college, she took engineering courses even though she planned to go to medical school.

But she opted to pursue chemical engineering after participating in an engineering internship following her third year at Queen’s University in Kingston, Ontario.

“You have a lot of options as you go through your education,” Mainland said, referring to careers in math and science. “I liked the problemsolving aspects of engineering. Being able to figure things out and how things work and how to problem solve was fun, and I was good at it.”

The energy industry has traditionally been a man’s world. But trends point to a more diverse workforce in the future.

Citing statistics from the Bureau of Labor Statistics, the industry website Rigzone reports that 46 percent of energy industry positions were filled by women during the first quarter of 2013.

Mary North-Abbot, assistant professor for the Petroleum Engineering Department at Montana Tech in Butte, said the department is bursting at the seams with 378 students, one consequence of the nation’s resurgent oil and gas industry.

Currently, 43 women, 11 percent of the total, are enrolled in the program.

“It’s the largest department on the campus, but it hasn’t always been that way,” North-Abbott said.

The potential for receiving multiple job offers and collecting a big paycheck after graduation attracts some students to the petroleum engineering program. But one result of the surge in enrollBillingsbusiness

LARRY MAYER/Gazette Staff Monica Mainland, manager of the ExxonMobil Refinery in Billings, says a diverse workforce is a key to improving the nation’s competitiveness.

ment is that some students entering the program aren’t as well prepared for a rigorous program, North-Abbott said.

Montana Tech has also instituted a new freshman engineering program for students who are interested in engineering degrees. Freshmen take prerequisites such as calculus, physics, chemistry and beginning engineering. After sampling that challenging curriculum, students can choose between different engineering programs, NorthAbbott said.

“We bring in all the kids who say they’re interested in engineering, and they’re introduced to folks from engineering industries. They talk to different classes and have open houses,” NorthAbbott said. That exposure helps students define and steer their career paths, she said.

These energy-related careers are growing Petroleum Engineer Median pay: $130,280, or $62.64 per hour Number of jobs in 2012: 38,500 Job Outlook by 2022: Increase of 9,800, or 26 percent Geoscientist Median pay: $90,890, or $43.70 per hour Number of jobs in 2012: 38,200 Job Outlook by 2022: Increase of 6,000, or 16 percent Geological and Petroleum Technician Median pay: $52,700 per year, or $25.34 per hour Number of jobs in 2012: 15,800 Job outlook by 2022: Increase of 2,400, for 15 percent — Source: U.S. Bureau of Labor Statistics December 2014

I

17

energy Briefs FBI to open ND office

The FBI will now have offices in Fargo, Bismarck, Minot, Grand Forks and WilWILLISTON, N.D. – liston. “After months of efSen. John Hoeven, R-N.D., fort, today we’re announcing has announced the Federal very good news for Williston Bureau of Investigation will and western North Dakota, establish a permanent field as well as Eastern Montana,” office in the oil boomtown of Hoeven said. “We’re going Williston. to have an FBI office in WilHoeven has been pushing liston, and that’s vital not for the new FBI office to help only for addressing crime, local law enforcement better but also for maintaining our address increased crime rates quality of life.” as a result of the influx of The funding for the new new residents seeking jobs in office is included in the DOJ’s the oil industry, according to Fiscal Year 2014 budget, the Williston Wire. which included $8.25 billion As a member of the Sen- for salaries and expenses. ate Appropriations ComOnce the lease is signed there mittee, Hoeven was instruwill likely be additional costs mental in securing approval associated with the office, for the field office, which and the FBI has sufficient required signoff by both Ap- reserves to cover additional propriations and the Office expenses. Hoeven said the of Management and Budget. Senate DOJ bill for Fiscal

Year 2015 funds the same account at $8.29 billion. The effort to secure a permanent office in Williston began last year, when Hoeven and Sen. Heidi Heitkamp called on FBI Director James Comey to establish a permanent presence in the city. Hoeven followed up with calls, roundtables and letters, most recently in September.

Hoeven hosted a meeting in Williston with North Dakota Attorney General Wayne Stenehjem and area law enforcement officials to address the challenges they face and the need for federal agents to work in collaboration with local officials.

Wyoming oil output surges CASPER, Wyo. — EOG

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I December 2014

BISMARCK ND

Resources and Chesapeake Energy reported surging Wyoming oil production in the third quarter of 2014, even as concerns about falling prices continued to grow.

Both companies expressed optimism over their prospects in the Powder River Basin and Laramie County, which represent a small portion of each company’s operations.

Chesapeake said production in the Powder River Basin for the quarter was the equivalent of 13 million barrels per day, a 16 percent increase over the second quarter of 2014.

Seventeen new wells came online in the Powder River Basin in the third quarter, while 43 were in various stages of completion or waiting on a pipeline to

be completed, the company said.

“We love the Powder River,” Chesapeake CEO Doug Lawler said in a conference call with financial analysts.

EOG did not report overall production figures for Laramie County or the Powder River Basin, but the Houston-based company did announce high production rates for individual wells.

A seven-well pad in Laramie County recorded combined production of 7,800 barrels of oil equivalent per day, EOG said.

The company also announced it has embarked on a one-rig drilling program in the Powder River Basin and reported initial production rates at two wells ranging between 1,190 barrels of oil and 1,880 barrels of oil.

But even as production rose, so too did concerns over oil prices. Executives at both companies faced repeated questions from analysts seeking information about how the recent drop in oil prices will impact their drilling programs.

The price of West Texas Intermediate has fallen from a high of around $107 per barrel in June to nearly $79 a barrel in October. The Wyoming Division of Economic Analysis reported Wyoming sweet crude averaged $74.81 per barrel in October, down from $86.49 per barrel in August.

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December 2014

I

19

Energy

in driving the capital down up there and being more efficient,” Lawler said.

Continued from 18 William Thomas, EOG Goolsby, a petroleum geolo- CEO, said the company’s gist in Casper. drilling program in the Eagle Lawler, the Chesapeake Ford, Bakken and Delaware CEO, sought to cast the drop basins would be completely as a positive. The company’s funded if oil remains at $80 drilling program is flexible, a barrel. Other plays in Texas and the Powder River Basin and the Midwest could see is just one area where the drilling curtailed due to fallcompany is operating. ing prices.

Chesapeake teams in each It was not entirely clear oil play are competing for where Wyoming’s fields money to fund their respec- ranked. Thomas noted in adtive drilling programs, a dition to the rig in the Powcompetition that ultimately der River Basin currently, delivers value to sharehold- EOG has four in Denver Jules ers as teams try to improve Basin. He did not give any the efficiency of their opera- indication of whether protions, he said. duction in those areas there In the Powder River would increase or decrease in Basin, the company’s average the coming months. cost per well fell from $10.1 million in 2013 to $9.2 milGOP promises lion in 2014.

“We consider it to be an- action on pipeline WASHINGTON — Inother strong growth engine coming Senate Majority for the company, and the Leader Mitch McConnell is teams are doing a great job

promising the new Republican majority will quickly resurrect Keystone XL pipeline legislation killed

by Democrats, potentially setting up an early 2015 veto confrontation with President Barack Obama.

“I look forward to the new Republican majority taking up and passing the Keystone jobs bill early in the new year,” the Kentucky Republican said, shortly after the bill fell one vote short of the 60 votes needed to advance. He was joined by incoming Senate Energy Committee Chairwoman Lisa Murkowski, R-Alaska, who said the fight wasn’t over.

The vote was a blow to Sen. Mary Landrieu, D-La., who had forced the issue onto the Senate agenda, and who faces difficult odds in a Dec. 6 runoff election against Republican Rep. Bill Cassidy. “I’m going to fight for the people of my state

until the day that I leave, and I hope that will not be soon,” she said.

Even if Landrieu wins her re-election, Republicans are likely to have enough votes to assure the bill’s passage in January, when they will have at least 53 seats — 54 if Cassidy wins the Louisiana runoff.

“If you look at new Congress, you can count four more (GOP seats) right away, and there may be others,” Sen. John Hoeven of North Dakota, the lead sponsor of the bill, said after the 59-41 vote on Nov 18. “You can see we’re well over 60.”

Hoeven acknowledged that Republicans would need 67 votes to override a veto, but said one possibility is to include Keystone in a larger energy package that may not prompt a veto threat.

The vote was one of the last acts of this Senate controlled by the Democrats.

It is expected to complete its

work by mid-December.

Cassidy, Landrieu’s Republican opponent, said Louisiana families “need better jobs, better wages and better benefits,” and the pipeline would provide them.

Democratic divisions were on vivid display in a bill that pitted environmentalists against energy advocates.

While Obama opposes the measure, likely 2016 presidential candidate Hillary Rodham Clinton has repeatedly refused to take a position. Most recently, her spokesman did not respond to two requests over the weekend to do so.

The project would move oil from Canada into the United States and eventually to the Texas Gulf Coast.

Supporters say it would create jobs and ease American dependence on Middle East oil. A government environmental impact statement

also predicts that a pipeline would result in less damage to the climate than moving the same oil by rail.

Critics argue that the drilling itself is environmentally harmful, and said much of the Canadian crude would be exported with little or no impact on America’s drive for energy stability.

At the White House, press secretary Josh Earnest said the measure is something “the president doesn’t support because the president believes that this is something that should be determined through the State Department and the regular process that is in place to evaluate projects like this.”

After the vote, five people were handcuffed and led off

by Capitol police outside the Senate chamber after breaking into loud yowls. One was wearing what appeared to be Native American beads and feathers in his hair.

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I December 2014

Billingsbusiness

Montana’s SBA lending exceeds $104 million in 2014 fiscal year Loan approvals by county (ranked by number of loans) County

Number of loans

$ Amount of loans

Yellowstone

94

$40,700,600

Gallatin

54

$16, 917,600

Missoula

31

$6,375,500

Flathead

25

$10, 231, 200

Lewis and Clark

23

$4,324,200

Cascade

15

$4,222,300

Carbon

9

$1,190,700

Richland

6

$1,838,000

Park

6

$1,732,200

Silver Bow

5

$3,049,800

Lake

5

$401,000

Ravalli

4

$200,700

Lincoln

4

$517,500

Fergus

3

$4,606,000

Dawson

2

$329,000

Beaverhead

2

$577,900

Jefferson

2

$589,200

Stillwater

2

$171,000

Toole

2

$950,000

Valley

2

$1,121,300

Philips

2

$400,000

Powell

2

$255,000

Big Horn

1

$101,500

Sanders

1

$240,000

Fallon

1

$10,000

Madison

1

$60,900

Wheatland

1

$3,520,000

Blaine

1

$15,000

Granite

1

$38,000

Grand total

307

$104,686,100

Source: Montana Small Business Administration Billingsbusiness

By BILLINGS BUSINESS

Yellowstone County accounted for $40.7 million in lending from the Small Business Administration during the 2014 fiscal year. That total of 94 loans represents 38 percent of all loan volume for fiscal year 2014, according to figures released recently by the SBA. During Fiscal Year 2014, which ended Sept. 30, the Montana District Office of the SBA guaranteed 307 loans totaling $104.6 million. The financing helped create and retain 2,621 jobs, the federal agency said in a news release.

Of these loans, 287 for $84.4 million were made through SBA’s 7(a) Guaranty Loan Program, which provides short- or long-term financing for small business startup or expansion needs. Twenty loans totaling $20.2 million were made through SBA’s 504 Certified Development Company program which provides long-term fixed rates financing for land, buildings and equipment.

The 307 loans issued during 2014 were exactly the same as the number issued during fiscal year 2013. However, the loan volume increased by 18 percent over prior year, when $88.3 million was lent.

Big Sky Economic Development Corp. of Billings, a certified development company, made 12 504 loans worth $13.9 million. Montana Community Finance Corp. of Helena made eight loans for $6.2 million. A certified development company is a nonprofit company authorized by

SBA to market, package and service SBA 504 loans.

Specialty trade contractors, dental offices, sporting goods stores, fitness and recreational sports centers, and breweries were among the most frequently financed businesses during FY 2014.

Of the 307 loans, 57 loans totaling $10.5 million were made to womenowned businesses, 17 loans totaling $6.6 million were made to veterans, and 18 loans totaling $6.8 million were made to minority business owners.

“Montana is well-known for being one of the best places in the country to start a small business,” said Wayne Gardella, the SBA district director for Montana. “Out of the 307 loans that were guaranteed by the SBA, 36 percent were to startup businesses and 112 new businesses received $24.6 million in SBA guaranteed funding.”

Glacier Bank led the state in the number of SBA loans issued, with 51 loans totaling $5.6 million. Wells Fargo Bank National Association ranked second with 33 loans totaling $10.1 million. Yellowstone Bank was third with 30 loans totaling $9 million.

December 2014

I

21

New downtown businesses

sprouting

By BILLINGS BUSINESS A s 2014 comes to a close , downtown B illings has been sprouting new businesses like spring crocuses poking through the snow .

When Paula’s Edibles left its longtime home at 2712 Second Ave N. and headed to the West End, Anita Kantorowicz saw an opportunity. Mad Cupcakes, Kantorowicz’s bakery and coffee shop, is moving into the former Paula’s Edibles location.

“I knew Paula’s was going out, but they had a good base of customers,” Kantorowicz said. “It’s such a good location for the downtown area with lots of other businesses nearby.”

In addition to cupcakes, the store will feature coffee and other baked goods such as muffins, bagels and bread.

“We had to remodel the kitchen in order to get it up to code,” Kantorowicz said.

“We’ll do the baking right there.”

Mad Cupcakes features a piece of history: a counter decorated with a mosaic of broken crockery and glass. It was a signature fixture from the original Café Jones coffee shop that occupied the space in the 90s.

Kismet Fine Rugs, owned

by Jeff Kismet, has opened

22

I December 2014

at 224 N. Broadway across from the Alberta Bair Theater.

Kismet has a shop in Jackson Hole, Wyo., and has held limited-time rug sales in Billings periodically over the years.

Corby Skinner, a long-time friend and customer, said he encouraged Kismet to open a permanent location in Billings.

At the Billings store, Kismet sells rugs from Iran, India, Pakistan, Afghanistan, Turkey, Egypt and Morocco.

At 120 N. Broadway, owner Chris Montague opened Montague’s Silver, his second downtown jewelry shop.

“I’m believing in downtown, and that’s why I’m opening this up. I think downtown is going great guns,” said Montague, a third-generation jeweler.

Sandwich shop Pita Pit’s second Billings location is nearing completion at 2813 Second Ave. N., at the site of the former Hippy Cowgirl store.

Attorney Bruce Harper is opening a martini bar, Doc Harper’s, at the former Z Pizza spot at 116 N. Broadway. Along with cocktails, Doc Harper’s

Photo by HANNAH POTES Jeff Kismet, owner of Kismet Fine Rugs, has opened a new store in downtown Billings.

will serve local craft beer and light appetizers.

Commons 1882, a restaurant operating out of the former George Henry’s location, has received rave reviews for its locally-sourced lunches and dinners for a couple of months now. Jason Corbridge, the former co-owner of Café DeCamp, and Henry Ken-

nah, who has a long career in Billings, most recently at Jake’s Steakhouse, are in charge of the kitchen. Greg Oliphant is the general manager.

The Pub Station, downtown Billings’ newest entertainment venue, features live music, an assortment of craft beers at 2502 First Ave. N., the location of the former Grey-

hound Bus station.

The venue is a collaboration between 11:11 Presents and Kay Foster and Mike Mathew. Sean Lynch, of 11:11 Presents, has been presenting live music in Billings for more than a decade.

Foster and Mathew co-own the Babcock Theatre with Kim and Don Olsen.

“We just got to a point with

11:11 where we could afford a liquor license, and it was time to make a transition,” Lynch said.

The Pub Station will feature a mix of local, regional and national acts. In addition to serving wine and beer, including a selection of local brews, a food truck will be parked outside frequently.

Billingsbusiness

BETTER business

N ew credit card technology is more secure , but the transition can be tricky

An incentive for small businesses to make the switch is a reduction in fraud and the chargebacks related to that fraud.

Erin T. Dodge Erin T. Dodge, is an editor for the Better Business Bureau of Eastern Washington, Northern Idaho and Montana in Spokane.

Contact the bureau at spokane.bbb.org.

Billingsbusiness

Businesses that accept swiped credit card payments are likely to have heard about the need to upgrade or purchase new card processing devices. EMV cards, also called chip and PIN cards, are slowly being introduced in the U.S. with a push by credit card networks for adoption by October 2015.

You may have already seen the technology on some cards — a gold chip just above the first four numbers of the card.

The chip and PIN technology provides more security for in-person transactions because it is a microchip with a dynamic cryptographic key versus the magnetic stripe technology, which is static and easier for thieves to clone.

Canada, Europe and other parts of the world have had EMV chip technology for years and have experienced lower fraud from cloned cards. As the technology is pushed out to U.S. consumers and merchants, many of the chip and PIN cards still have the magnetic stripe.

This gives businesses time to make the transition to new or upgraded payment terminals, which can be costly.

An incentive for small businesses to make the switch is a reduction in fraud and the chargebacks related to that fraud. However, the looming deadline of October 2015 to make the change may not be such a hard deadline after all. Credit card brands, such as Visa and MasterCard, have announced a shift in liability, starting October 2015, from chip card issuers to merchants that haven’t upgraded to chip-enabled point-of-sale equipment when in-person, card-present trans-

actions are fraudulent and could have been prevented by the new POS terminals.

Does this mean all small businesses must invest in chipenabled technology by October 2015? Not necessarily. At this time, there is no requirement that businesses adopt this technology. Small businesses may wish to evaluate the cost of equipment, training and implementation versus the possible liability for fraudulent in-person transactions to determine when to make the switch.

Recently, President Obama issued an executive order requiring the use chip and PIN technology in government settings and by government employees

by January 2015. Large retailers are following this example. So this could mean that requirements are close behind. It could also mean that unscrupulous merchant card processors and scammers may try to take advantage during this transitional period.

The Better Business Bureau urges businesses to consider the following when partnering with a merchant card processing company: n Resist pressure tactics. If your current credit card processor or a new processor is pushing you by stating a deadline or offering steep discounts, do additional research. Cheap costs may indicate a scam with fake equipment. Pressure to act fast may indicate a company with shady intentions and higher or hidden fees. Recognize high-pressure tactics and allow yourself to walk away. n Research the merchant services processor. Check out the business at www.bbb.org

and search for other complaints online. n Comparison shop. The time to shop around is when you decide to invest in new equipment. n Seek advice from your industry. Ask other business owners and organizations for their experiences with and recommendations for payment processors. n Ask about other changes to terms and conditions when

upgrading or purchasing new equipment. Will there be any changes to fees, minimum charges and restrictions? Read the fine print whenever there is a change to your services. If you have concerns or questions, don’t hesitate to ask for clarification.

Online credit transactions are not aided by chip and PIN technology. And some analysts have predicted a shift to even more ecommerce fraud, once chip and

PIN technology has been fully adopted in the U.S. Fraud and its perpetrators will continue to exist, so businesses will still need to be vigilant in prevention.

If you’ve experienced scams or unscrupulous activities targeting your business, you can file complaints with the BBB at www.bbb.org, the Montana Department of Justice at doj. mt.gov/consumer/, and the FTC at www.ftccomplaintassistant. gov.

December 2014

I

23

TRAVEL &leisure

N ot all business trips require an overnight stay

Many airports offer conference facilities to allow travelers to make day trips and avoid having to rent a car, hail a taxi or book a hotel room.

Billie Ruff Billie Ruff is owner of Travel Cafe. Reach her at travelcafeonline.com.

24

I December 2014

At the end of the day, most ultra-road-warrior frequent fliers want to go to their favorite destination — home.

However, how do we balance that want with needing to travel for business? Many companies require people travel for work, but not all trips necessarily mean an overnight stay. Many airports offer conference facilities to allow travelers to make day trips and avoid having to rent a car, hail a taxi or book a hotel room. So, business travelers can cut costs but not content by using day trips for meetings.

For example, travelers can typically arrive from Montana nonstop at the Minneapolis/ St. Paul International Airport at around 9 a.m. At the Airport Conference Center, travelers may arrange for light, catered breakfasts and lunches, allowing them to meet throughout the day in one spot. Then, flights depart depending on the season between 3 and 5 p.m., making it possible to get home the same day after having six to seven hours of undiluted face time with colleagues and/or clients.

A similar schedule is available at the Seattle/Tacoma International Airport and its conference center. Travelers may arrive nonstop from Montana between 7 and 8 a.m. and depart around noon for a morning meeting, or between

7 and 8 p.m. for all-day meetings. It means getting home late in the evening, but allows travelers the luxury of sleeping in their own bed that night.

Both Salt Lake City and Denver have flight schedules from and to Montana that allow day trips for business. If airports do not offer conference or meeting space, for a small fee ($25-$50) travelers can pay to enter airline lounges such as Delta Air Lines’ Sky Club in Salt Lake

City or United Airlines Club Lounge in Denver. Both have meeting facilities. Nearby meeting space options also include airport hotel conference facilities which often come with round-trip airport shuttle service and catering and restaurant amenities.

Some may argue that teleconferences can provide alternatives to travel, but while they are useful tools for many situations, they cannot replace the face-to-face, personal

interaction required for many meeting situations, especially for business development.

Face-to-face meetings form a more meaningful interaction by allowing people to meet in a way that electronic events do not. Social interactions more quickly develop trust and communication via facial expressions and body language.

Plus, it is easy for attendees to lose focus while on those lengthy conference calls.

Research from InterCall, the

world’s largest conferencing provider shows that while on a conference call, attendees often do other work (65 percent), send emails (63 percent), eat or make food (55 percent), go to the restroom (47 percent), text (44 percent), check social media (43 percent), play video games (25 percent) or shop online (21 percent).

And, travelers get to keep those frequent flyer miles and spend more time at home with family — bonus!

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McDonald’s

State-of-the-art technology and Speedy drive-thru highlight the heightS’ neweSt Mcdonald’S reStaurant.

By Brittany Cremer Photos By Larry Mayer

McDonald’s world-famous drive-thru eats harried mornings for breakfast.

Equipped with two lanes, a multitude of breakfast options and lightning-fast service, you’ll be back on the road with coffee in hand and a smile on your face faster than you can say “ba, da, da, da, da—I’m lovin’ it.”

It is this promise to service and efficiency that compelled McDonald’s owner, Pat Newbury, to open a new location in Billings’ Heights. Located at 525 Wicks, adjacent Walgreens and across the street from Walmart, Newbury considers the location “prime” for two reasons.

Owner Pat Newbury and general manager Travis Landers inside the dining area at Billings’ newest McDonald’s restaurant.

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special advertising section “Everyone knows that Main Street in Billings is the busiest street in Montana,” Newbury said. “And the Heights is growing and expanding with our kind of customer—young families on the go.”

Newbury said he also acknowledges the amount of out-of-town business the store will get from travelers coming in from Roundup, Shepherd and Huntley.

“Out-of-town traffic is a bonus, but the vast majority of our business will be from residential customers and shoppers spending their money with nearby businesses,” Newbury said.

Life in the fast lane

Because this restaurant was predominantly targeted to on-the-move customers, it features one of the most spacious, speediest drive-thrus around.

Unbeknownst to the would-be customer, placing an order for a #1 and two #10s—all with Coke— begins an automated chain reaction.

In the time it takes you to check “EvEryonE knows your mirror and apply Chapstick, your order is ready. that Main strEEt in Behind the scenes, drink orders are sent to an oversized beverage Billings is thE BusiEst dispenser that selects the drink type, cup size and fills accordingly, all strEEt in Montana, and within the sequence in which it was ordered. thE hEights is growing “This definitely helps with speed and efficiency,” Newbury said. and Expanding with our “All we have to do is put the lid on.”

This system is particularly kind of custoMEr—young useful when the drive-thru lane is bumper-to-bumper. Drinks spin faMiliEs on thE go.” around on an oblong conveyer and rarely get out of order.

“Occasionally, with the double—pat nEwBury, car drive thru, one vehicle might ownEr slip in ahead of another, but we’re prepared for that,” said General Manager, Travis Landers. “We have cameras at the drive-thru menu boards that essentially take your picture and sync it to your order. When your car pulls up to pick up the food, we make sure your photo matches up with the person who placed the order.”

Congratulations Mcdonalds We are proud to be part of the team seRvicinG all youR consTRucTion needs in MonTana since 1982

Delightful dining

A seasoned business professional, Newbury is well-versed in the nuances of building a successful McDonald’s restaurant. In addition to restaurants in Billings and Laurel, Newbury also owns McDonald’s stores in Columbus, Hardin and Miles City—totaling 12.

“Design schemes for each is similar, but we try to customize and enhance the Opposite page top: Customers coming in from Roundup and Huntley will have easy access to the new McDonald’s restaurant in Billings Heights. The store is also conveniently located for residential Heights customers. Top right: Five high-tech screens double as promotional tools and order boards.

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2270 Grant Road Billings, MT 59102

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customer experience at each store,” Newbury said.

A combination of seating options—table, bench and stool—are peppered throughout the restaurant. A lively color palette of lime, marigold and grey warms the space with a few surprises tucked away.

On the east wall of the restaurant, curious kids and adults alike will take note of the cheerful “sparkle” tables. Touch and motion-censored LED lights are imbedded into the tables as the swipe of your fingers sets off a veritable kaleidoscope of color.

These tables are a great Plan-B to keep the kids preoccupied in the absence of a McDonald’s Playland.

Customers will also enjoy tranquil views to the north and east as they sip their morning coffee or savor a burger at lunch.

A subtle, semi-transparent partition separates the dining room from the order counter,

Congratulations

McDonalds!

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further enhancing the customer’s dining experience.

Order up!

Five oversized menu boards anchor the restaurant’s order counter—each preprogrammed and controlled off-site.

“We can customize the message, too, if we want,” Newbury added.

Featured drinks and entrees flash across the screen, which reads much more like a TV than a menu. A convenient drink station is situated to the left of the order area, offering a variety of soda and tea options. Specialty coffee and smoothie options are prepared behind the counter in state-of-the-art blenders and dispensers.

“Customers have an expectation of speed when they visit us,” Newbury said,” and that also has to translate to items that can sometimes take longer to make, like smoothies.”

In less than 10 seconds, the smoothie machine blends ice, adds flavor and whips the delicious concoction into a clear plastic cup. Voila!

Behind the scenes

Perfectly organized according to menu item, the kitchen and cook area is a study in efficiency. Fryers are pre-programed to know when the oil needs to be changed and pump used oil into a separate container—no human hands need to touch it.

Boxes ranging from Big Mac to Chicken McNuggets are carefully positioned in wire channels, ready to be grabbed and filled.

Toward the back of the restaurant is an employee break and training room.

Interactive training exercises teach employees the nuances of crafting menu items, like the difference between building a Big Mac and Quarter Pounder.

The restaurant’s technological hub resides adjacent the break room—it controls everything from the drink dispensers to the video feeds from the drive - thru.

“It is the central nervous system to the building,” Landers said.

Organized storage and beverage tanks are situated in the back room. Most noticeable is the 75-gallon tank filled with syrup, just for the Coke.

“If you’ve ever wondered why Coke seems to just taste better at a McDonald’s versus another restaurant, this is why,” Landers said, as he pointed to the restaurant’s high-efficiency water filtration system.

Top left: Comfortable, plush booth seating is one of the elements McDonald’s corporate employs to enhance the customer experience. Top Center: Cozy stool seating lines the windows at the new McDonald’s on 525 Wicks. Top right: Customers can choose from a wide range of self-serve beverages. Next page top: Clean, contemporary lines highlight the new McDonald’s restaurant located at 525 Wicks in Billings Heights. Next page bottom: A double-lane drive thru means increased efficiency and speed. Video cameras at the drive - thru menu board capture your image and sync it with your order.

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special advertising section “It makes the construction process flow so much smoother when the owner is wellversed in the construction process, and Pat is a pro,” Clark said. “We also had complete cooperation with the people from McDonald’s corporate. This team approach greatly increased the speed and efficiency of the project.”

When Clark and his crew had adjustments or edits to the design plan, he was able to get speedy approval from Newbury and McDonald’s corporate.

“This makes every difference in the world,” he said.

The only element that separated this project from other McDonald’s restaurants that Clark worked on was the foundation.

It was a deeper foundation system situated on a somewhat uneven site, he said, but the team was able to assess and rectify the issue in no time flat.

Clark also acknowledges the professionalism and talent of his team of subcontractors.

“Hats off to them—they were on top of everything and made my job easy.”

Congratulations

McDonalds

1402 Central Avenue • 406-256-6016

Congratulations McDonalds

“We take special time and care in filtering the water so it tastes the absolute best when it’s mixed with syrup,” Landers said.

The restaurant’s coffee also benefits from reverse osmosis water filtration.

Nuts and bolts

Newbury has employed the skill of Langlas & Associates several times in the past for restaurant remodels and new builds. Electing to work with them for this project was almost innate.

“I can’t say enough great things about Joe Clark and his team of subcontractors,” Newbury said. “They have such skill and are able to identify issues before anything becomes a big problem.”

With an approximate four-month turnaround from beginning to end, Newbury said he was pleased with every phase of the project and Langlas’ ability to hit deadlines.

The crew broke ground in late June, and McDonald’s was taking orders by October 20.

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Billings Family YMCA Remodel: More than a facelift

By Brenda Maas • Photos by Casey Page

It was well-worth the wait. A recent $1.9-million remodel gives the Billings Family YMCA at 402 N. 32nd St. a new outlook with new locker rooms, rear stairwell, pool deck, running track and exterior refinishing.

According to Tina Postel, CEO of the Billings YMCA, with 15,000 members from infants to age 105, the building welcomes 7,000 visitors every week.

“We are a true community center,” noted Postel. “We serve so many groups, like Eagle Mount and Special Olympics, in addition to our members. Although we may be known for our basketball programs or swim lessons, we truly are so much more. And we need a clean, safe environment for everyone to be healthy.”

Above: Great consideration was taken when designing the exterior of the building making sure that the character of the Top: The new spa tubs, each with handicap accessibility, dry saunas andwas steamrooms will likely beRight: a veryVaulted popularceilings features. area reflected inthe design. addLeft: The indoor running track, which was more than 40 years old, was re-surfaced with a vibrant red laminate that gives more cushion to runners and walkers. a sense of grandeur to the facility’s entrance.

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It’s more than just

a place to live.

It’s a place rich with kids. And dogs.

And ample weather. Where knowing your neighbor means helping your neighbor.

You live here because you love it. And so do we.

It’s bigger than banking. It’s you and together.

CONGRATULATONS, YMCA, ON YOUR REMODEL

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Big hair & hidden buckets

While many good things came out of the ‘80s—big-hair rock music, the end of the Cold War and cable TV—the locker rooms at the Billings Family YMCA are not one of them. The 30-something quad-spaces (two men’s and two women’s locker rooms) had been much loved.

The Billings YMCA opened 61 years ago in 1953, with the original building in the southeast section of today’s facility. Over the years, various additions and remodels cobbled together to create the Y of today.

Bill Haynes, partner with Collaborative Design Architects, notes that the four men’s and women’s locker rooms were created in the mid-80s during a major addition to the original building. Essentially, two buildings were married into one.

“They purchased a light fixture warehouse to the north, along with two lots between,” Haynes said. “The locker rooms are in that old warehouse and the lap pool sits where a parking lot stood.”

In addition to age and inefficient layout, the real issue with the old locker rooms was water.

“We had 22 buckets strategically hidden in the false ceiling,” Postel said. “It was built on a wooden subfloor; there were corroded pipes and the waterproof membrane had been failing and leaking from the second floor to the first.”

The area was a hazard.

“When many people heard the price tag, they said, ‘You’ve got to be kidding, right?’ but the entire space was pretty much demolished and rebuilt,” she said.

Surveying members

The YMCA Board of Directors started with questionnaires to members during their Capital Campaign, asking: What do you want to see in your Y? Specifically in locker rooms?

Congratulations

yMca

We are proud to be part of the team seRvicinG all youR consTRucTion needs in MonTana since 1982

2270 Grant Road Billings, MT 59102 32

I December 2014

406-656-0629 www.langlas.com

The next step was aligning those wants with the physical needs of the project via Collaborative Design Architects. In addition, what was once a two-tier locker room system morphed into one large locker room for each gender—men’s on the second floor and ladies’ on the main level.

“With two men’s and two women’s locker “Today, when rooms, it was a confusing layout,” said Postel.

“But the new design gives us space for an office, you drive pasT another exercise room and a massage room, plus it’s a more efficient way to operate.”

The y, we look In terms of design, the ladies requested more sinks, countertops, electrical outlets and more like a healThy private showers while the men emphasized amenities. organizaTion.

we used To look

More building than remodeling

Langlas & Associates, Inc., the general contractor selected for the project, added the Fortin Gym at the west end of the building 15 years ago. In addition, Langlas also had experience BuT now we have specifically with locker rooms at other health clubs and schools in the area. a new cover on That was an important factor, said Postel.

Construction began in early May with Phase our Book, and iT 1 of 2. Demolition alone took nearly a month, noted John Flanagan, project manager with looks greaT!” Langlas & Associates.

“We had to completely remove the second floor, so that section of the building had to be — Tina posTel, ceo completely shut down,” said Flanagan. “Every bit of it was removed and replaced.”

To add to that challenge, all work was done while the YMCA remained open to its 7,000 weekly visitors. Members were directed to use the existing family locker rooms run-down.

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Opposite page top left: Both locker rooms feature a lounge area with flat screen TVs. Top left and above: Each locker room contains nearly 1,000 lockers for combined overnight and day use. While the men’s locker room has longer runs of lockers, the women’s room is designed in “pods,” which allows for more vanity space. Left: In a focus group prior to the project, women requested more private shower space.

The new women’s locker room includes three open showers near the exit to the pool deck, handicapaccessible showers and 10 private shower stalls. Bottom left: Both locker rooms now have a dry sauna, steam room and spa tub.

Thanks Langlas Construction & Congratulations YMCA!

OUR CONGRATULATIONS YMCA! PROUD TO BE A PART OF YOUR TEAM

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Specializing in Fine Countertop Products Since 1995 Billingsbusiness

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special advertising section adjacent to the deep pool during the interim.

Postel also noted that when dealing with an older building, especially one that houses so many water demands, you have to anticipate hidden costs.

“The footings were solid but soil tests indicated clay, so we had to spend additional funds to install piers, insuring that building won’t move,” she said. “You really hate to spend money where no one will see it but the building is totally safe and sound.”

Flanagan also noted that the sheer magnitude of the remodel created its own challenge.

“Getting that structure replaced and then water - testing everything was a great deal of work. We were very diligent, water-testing all wet areas, running hoses, blocking drains and it’s all good,” he said.

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Finished product

The men’s locker room, now located on the second floor, opened on August 20. The ladies’ opened three months later on November 19. The entire 20,000-square-foot project was complete on time, in eight months.

Each locker room includes nearly 1,000 lockers (day and reserved), spa tub with handicap access, dry sauna, steam room, social space with a donated large-screen TV and access from a “shower off ” area directly to the pool. While the women’s space is designed into “pods” the men have more lockers and a larger social area.

With more efficient use of space, the project includes an additional exercise room, an office, a massage room and an upgraded rear stairwell with emergency exits.

“The Y is all about the programs we run to help people be healthier, and with the new Mary and Bruce Crippen Wellness Studio on the second floor we can offer more programming,” said Postel. “Cycling and karate have moved up there, plus the Fit Kids and After-School programs can use the space.”

Etcetera

In addition to the shiny jewel—the new locker rooms—the Y experienced other upgrades. The indoor running track, which was 40-years-old, was re-surfaced in a vibrant

red laminate. The decking of the lap pool, which sees the 80-member Seahawks swim team plus a plethora of individual swimmers and lessons each day, was re-finished.

Outside, the exterior of the building was re-surfaced, losing the red candy stripes, and new signage was added. More than three-fourths of the roof is also new.

Yet there’s more on the horizon. Postel noted the current “Let’s Build a Place for Our Children” campaign to address the aging family and special-need locker rooms adjacent to the deep pool, plus renovate the Child Watch area that was built in 1975. Scheels All Sports will match up to $333,333.33 of the project—one-third of the $1 million goal—to get the job done.

Postel, who has been with the Billings YMCA since 2010, is incredibly proud of the improvements during her tenure.

“Today, when you drive past the Y, we look like a healthy organization,” said Postel. “We used to look run-down. But now we have a new cover on our book, and it looks great!”

Congratulations YMCA! We Are Proud to Be Part of the Construction Team

308 Moore Lane

406-245-5175

Opposite page top: In each locker room, the last stop before the pool is a small “shower off” area. Opposite page center: Kick-boxing is a popular exercise class. The Y offers 120 different exercise classes each week (26 are waterbased), supports an After-School program, competitive swim team, multiple basketball leagues and a plethora of other programs for all ages. Opposite page bottom: In addition to the new locker rooms, the 1980s pool deck was completely refinished. Nearly 80 swim team members plus other individual swimmers and swim lesson students use the lap pool every week. Above: The remodel includes an additional exercise room on the second level. The everpopular spinning classes have been moved up there. Left: The exterior refinishing project includes new Y signage.

Cong gratulat l ions to the YMCA! We are proud to be a part of your beautiful remodel!

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Business Briefs Local Commerce at a Glance

Connect offers cloud storage Connect Telephone & Computer Group of Billings

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In recent years, businesses have adapted cloud-based technology, and nearly every application has become cloud-friendly. As businesses grow from small teams to larger organizations, there is a growing need to communicate and collaborate effectively. Central data storage enables everyone on the team the ability to immediately retrieve, backup and share mission-critical files in real-time, according to Matt Duray, president of Connect Telephone & Computer Group.

Salespeople no longer need to wait around for support staff to send them follow-up files for customer contact. Managers can instantly access data in order to make sure that work is getting accomplished, Duray said.

“Today’s businesses cannot afford to have staff waiting around, in order to get access to the tools they need, so they can do the job. And that’s what we’re focused on.

We’re thrilled to finally have a secure, unifying collaboration tool that we can put in the hands of our customers.

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Glacier Bancorp makes purchase Glacier Bancorp, Inc. has agreed to acquire Community Bank, Inc., a community bank based in Ronan. The acquisition marks Glacier’s 16th acquisition since 2000 and its fourth announced transaction in the past 20 months.

Community Bank provides banking services to individuals and businesses in western Montana, with eight banking offices located in Missoula, Polson, Ronan, and Pablo.

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Business Success StoriesBriefs Recognizing People and Local Achievements Commerce at a Glance

Stillwater Mining names new CFO

Tinto Diamonds and Minerals from 2010 to 2012. From 2006 to 2009, Bateman served as Stillwater Mining Co. has chief financial officer of Enernamed Christopher Bategy Resources of Australia Ltd. man as chief financial officer. From 2003 to 2006, he held Bateman succeeds Greg commercial and operational Wing, who is retiring effective roles at Rio Tinto’s Kennecott Dec. 1.

Utah Copper operations.

Bateman previously served Bateman also held the as the chief financial officer positions of financial planof Turquoise Hill Resources, ning and analysis director and an international mining information technology dicompany focused on copper, rector at Kaiser Aluminum. In gold and coal. Prior to his addition, he spent eight years appointment at Turquoise at Arthur Andersen’s business Hill Resources in 2012, he was consulting practice. chief financial and business Bateman earned an engidevelopment officer of Rio neering degree in production

engineering and production management from the University of Nottingham in Nottingham, United Kingdom.

Foundation elects board Officers for Special K Ranch Foundation Board of Directors were recently elected for 2015. They are: President Scott Johnson, vice president, agri-business, at First Interstate Bank; Vice President Don Havig, selfemployed; Secretary Dan Patterson, broker associate at Berkshire Hathaway Home Services; and Treasurer Roger Hoebner, tax partner Eide Bailley. Additional board

members are: Ron O’Donnell, asset management at Stockman Bank, and Mark Thomas, principal at Capstone Wealth Management.

The Special K Ranch Foundation is a support foundation for Special K Ranch, Inc. located 10 miles west of Park City and eight miles east of Columbus. Special K Ranch provides family oriented Christian homes, on a working ranch for adults who have developmental challenges.

Peaks to Plains adds architect Gordon Lemmel has

joined Peaks to Plains Design, a landscape architecture, planning and civil engineering firm in Billings. He holds both a bachelor’s and master’s degree in landscape architecture from the University of Idaho. Lemmel was formerly the executive director of the Klamath Lake Land Trust in Klamath Falls, Ore., and landscape architect with Lake County Parks and Recreation Department in Crown Point, Ind. Lemmel will serve as a designer and project manager at Peaks to Plains Design, drawing upon his strong expertise

in community relations and GIS analytics.

Peaks to Plains Design PC is a landscape architecture, planning and civil engineering firm that integrates the art of design with the efficiency of civil engineering.

Carla Cobb takes award Carla Cobb, a psychiatric pharmacy specialist at RiverStone Health and the Montana Family Medicine Residency, received the 2015 Please see Success, page 40

It’s more than a

small business loan.

It’s knowing you’ll have the tools to get the job done right, and the momentum to move forward into the future.

It’s you and together.

© 2014, Forbes Media LLC. Used with permission.

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Success Continued from 39 Judith J. Saklad Memorial Award from the College of Psychiatric and Neurologic Pharmacists. Cobb is a founding member of Cobb the College of Psychiatric and Neurologic Pharmacists and serves on the drug utilization review board for Montana Medicaid, the Montana Patient Centered Medical Home stakeholder council and the Pharmacy Quality Alliance.

Erben completes training course Frosty Erben with Premier Brokers/Keller Williams returned from an intensive two-day seminar held by the

northwest regional headquarters of Keller Williams.

The seminar centered on building Keller Williams Market Centers through scientific recruiting methods. Erben is now an authorized activity vector analysis administrator.

He will use his knowledge to recruit and interview candidates for the many positions now open at the Premier Brokers Keller Williams office in Billings.

Forester earns recognition Bureau of Land Management forester Jim Gates received a 2014 Presidential Field Forester Award from the Society of American Foresters (SAF) at the SAF National Convention last month.

Gates had previously received the 2014 Field Forester Award from the Colorado-Wyoming SAF. Ten foresters nationwide were recognized for their innovative methods and record of excellence in the practice of

forestry management.

Gates has been a BLM Worland Field Office forester since 2001. Prior to that, Gates worked in forest and timber management, as well as wildlife habitat management, with the U.S. Forest Service in Alaska, Washington, Idaho and Colorado; the BLM in western Oregon; and Idaho Fish and Game. Gates is the only BLM forester in northwestern Wyoming and his territory encompasses public land in the Bighorn, Absaroka, Wind River, Green and Owl Creek mountain ranges.

Among his accomplishments is his support of small local businesses that depend on BLM forest products to survive, concentrating on marketable products to ensure continued forest management activities. Most recently, Gates has been involved in the management of whitebark pine and is active on the Greater Yellowstone

Coordinating Committee’s whitebark pine subcommittee along with personnel from the National Park Service and U.S. Forest Service. He has been actively involved in determining the locations of whitebark pine on BLM-managed lands, many of which were unknown; in assisting the Greater Yellowstone Inventory and Monitoring Network to set up long-term monitoring plots on BLM lands; and in developing whitebark pine stand maintenance and restoration projects.

Hergenraeder joins Century 21 Tana Hergenraeder is now part of the Century 21 Hometown Brokers team. Hergenraeder holds a bachelor’s degree in interior design, with a decade of experience in commercial and residential design. Her office is at 1605 Shiloh Road, and she may be reached at 670-5485.

Briefs

of the transaction, which is anticipated to take place in the first quarter of 2015, the Continued from 38 branches of Community Bank will be merged into Glacier Community Bank had total Bank and become part of the assets of $180 million, gross loans of $94 million and total Glacier Bank and First Security Bank banking divisions. deposits of $154 million.

“This is a tremendous The boards of Glacier and opportunity for us to expand Montana Community Banks, our western Montana presInc. (Community Bank’s ence with the addition of holding company) unanian outstanding community mously approved the transbank,” stated Mick Blodnick, action, which is subject to regulatory approval and other Glacier’s President and Chief customary conditions of clos- Executive Officer. “This coming. The transaction provides bination allows us to add several new markets in western for the payment to Montana Montana, and compliments Community Banks, Inc. shareholders of $12.4 million our presence in Missoula and in cash and 443,649 shares of Polson.” Blodnick added, Glacier common stock. Based “Community Bank serves on the closing price of $28.47 the region well, as evidenced for Glacier shares on Novem- by its 100+ year track record, with respected management, ber 5, 2014, the transaction strong customer relationships would result in an aggregate and a solid core deposit base.” value of $25.0 million. As of September 30, 2014, Montana Blodnick also noted that the transaction will be immeCommunity Banks, Inc. had diately accretive to Glacier’s consolidated tangible equity of $20.7 million. Upon closing earnings per share.

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40

I December 2014

Billingsbusiness

Residential Permits Joseph Bateman, $6,850 833 Constitution Ave., Perius, Michael J. & Elizabeth., Freyenhagen Construction Inc., $5,000 — 208 Fair Park Drive, 1215 Vineyard Way , Garding, Carlson, Joseph L. & M. Katherin, Rebecca J., Lowe Dan Construc$2,100 tion, $10,600 206 N. 20 St., DDG Partnership 1236 N. 25 St., McCord RichA Mt LLP, Cayton Excavation Inc., ard R., $2,880 $8,000 41 Gold Pan Lane, Bauer, Kevin 208 N 20. St., DDG Partnership L. & Ann C., $6,600 A Mt LLP, Cayton Excavation Inc., 128 White Circle, Whitmer, $8,500 Monte M., Buildwerks, $3,990 1028-1/2 Lewis Ave., Kelly 2391 Westfield Drive, Hilton, Riley & Yvonne, Kelly Concrete Gregory J. & Deanna R., Eaton And Inc., $2,000 Yost Contractors, $5,700 1211 5 St. W., Garner, Dustin, $3,000 New Garage 3104 Boulder Ave., Jace Norsworthy, Safetech Inc., $25,000 1720 Grand Ave., TNC Devel— 402 S. 31 St., Wagner, opment LLC, Dan Fleury ConstrucMichael G. & Nancy L., $20,160 tion Inc., $5,000 336 E. Alkali Creek Road, Sun837 Broadwater Ave., Debizel deen, Andrew J. & Lisa D., $39,200 Property Managers, Broken Wire 69 Nugget Drive, Elizabeth Fence and Const., $2,300 Corcione, $6,120 4433 Lux Ave., Krug, Dolly Ann, Addition Single/ David Holy Cross Const., $21,840 Duplex/Garage 1232 Reece Drive, Osborn, Phyllis I. & Walter L., H.W. Construction, $20,160 — 159 Norris Court, Youth 208 Fair Park Drive, Carlson, Dynamics Inc., $7,560 Joseph L. & M. Katherin, $34,650 3314 Jack Burke Lane, Guyer, 4101 Headwater Lane, Wild, James W., Loterbauer Greg ConDoug, $11,200 struction, $20,400 2704 Beartooth Drive, Ham69 Nugget Drive, Elizabeth rick, Jason N., Kutcher ConstrucCorcione, $1,980 tion LLC, $40,000 2430 Avenue B, Barker, Stacee, 5264 Golden Hollow Road, $9,450 McCall Development Inc., McCall 3397 Lucky Penny Lane, AR Development, $30,800 Junkert Construction Inc., $2,430 5256 Golden Hollow Road, 3203 Cassia Drive, Dyk, Jeffrey McCall Development Inc., McCall L. & Jamie, Pinnacle Remodeling, Development, $24,640 $120,000 5248 Golden Hollow Road, 2713 Stinson Ave., May, McCall Development Inc., McCall

Demolition Permit Residential

Billingsbusiness

Development, $24,640 3653 Custer Ave., Bemer, Norris P. & Micki L., $5,880 3232 Poly Drive, Kuetzing, Martin A., $10,000 837 Broadwater Ave., Debizel Property Managers, Broken Wire Fence and Construction, $27,300

New Single Family — 1412 Watson Peak Road, Twin Oaks Corporation, Twin Oaks Corp., $144,981 1432 Naples St., KW Signature Homes Inc., K. W. Signature Homes Inc., $192,215 670 Winter Green Drive, Rod Lorenz , L & L Construction LLC, $175,515 680 Winter Green Drive, Rod Lorenz , L & L Construction LLC, $197,760 1414 Watson Peak Road, Twin Oaks Corporation, Twin Oaks Corp., $145,680 1731 Hollyhock St., McCall Development Inc, McCall Development, $221,100 5724 Mountain Front Ave., Trails West Homes LLC, Trails West Homes LLC, $174,795 1710 E. Thunder Mountain Road, J & S Development Co, Jeff Junkert Construction Inc., $268,130 3388 Lucky Penny Lane, Bob Pentecost, Bob Pentecost Const., $275,900 2219 W. Hollow Brook Drive, Design Builders, Design Builders Inc.,Sfr,$276,390 1302 Benjamin Blvd., Provision International Inc., C7 Solutions, $193,970

1448 Benjamin Blvd., Infinity, Infinity Homes LLC, $149,975 6230 Ridge Stone Drive S., Picard Co., Picard Development,$340,000 6336 Ridge Stone Drive S., Stonegate At Ironwood LLC, Picard Development, $245,000 4035 Backwoods Drive, NA, Classic Design Homes, $190,890 5709 Mountain Front Ave., Trails West Homes LLC, Trails West Homes LLC, $174,795 1408 Watson Peak Road, Twin Oaks Corporation, $145,680 1410 Watson Peak Road, Twin Oaks Corporation, $143,520 5321 Denali Drive, River Front Point LLC, Wells Built Homes Inc., $184,935 5317 Denali Drive, River Front Point LLC, Wells Built Homes Inc., $184,935 5333 Denali Drive, Wells Built Homes , Wells Built Homes Inc., $184,935 1236 Benjamin Blvd., High Sierra II Inc, Dawson Builders, $168,410 3071 Western Bluffs Blvd., Derik Jones Const., Derik Jones Construction LLC, $305,655 1411 Watson Peak Road, Twin Oaks Corporation, $135,900 1409 Watson Peak Road, Twin Oaks Corporation, $139,520 3141 E Copper Ridge Loop, Oakland Built Homes, Oakland Built Homes Inc., $171,625 460 Boca Raton Road, RJ Mac Homes, R J Mac Homes,

$224,355 1328 Benjamin Blvd., Jeff Kreitzberg Homes, KreitzbergJeffHomes, $181,915 1429 Benjamin Blvd., Jeff Kreitzberg Homes Inc, KreitzbergJeffHomes, $180,875 3094 W. Copper Ridge Loop, NA, Bob Pentecost Const., $275,000 2641 Meadow Creek Loop, BCJM Properties, Hanser Construction Co., $229,395 2619 Meadow Creek Loop, NA, Hanser Construction Co., $206,550 5137 Amherst Drive, NA, Kenmark Inc., $173,225 6833 Copper Ridge Loop, Bob Pentecost, Bob Pentecost Const., $275,900 3090 W. Copper Ridge Loop, Bob Pentecost, Bob Pentecost Const., $275,900 5829 Canyonwoods Drive, Ryan, Patrick W., $500,000 3125 Peregrine Lane, Helgeson Homes, Helgeson S. D., $279,570 5723 Horseshoe Trail, Trails West Homes LLC,, Trails West Homes LLLC, $239,770 5223 Clemson Drive, Kenmark Corp, Kenmark Inc., $177,340 5248 Golden Hollow Road, McCall Development Inc., McCall Development, $94,190 5260 Golden Hollow Road, McCall Development Inc., McCall Development, $130,770 5256 Golden Hollow Road, McCall Development Inc., McCall Development, $158,540 5252 Golden Hollow Road, McCall Development Inc., Mc-

Call Development, $115,470 5268 Golden Hollow Road, McCall Development Inc., McCall Development, $94,190 5264 Golden Hollow Road, McCall Development Inc., McCall Development, $160,040 2647 Meadow Creek Loop, Gordon Rock, Summit Construction, $229,390 1813 Lone Pine Drive, McCall Development Inc., McCall Development, $221,100 2646 Meadow Creek Loop, NA, Hanser Construction Co., $189,300 2639 Meadow Creek Loop, BCJM Properties, Hanser Construction Co., $272,540 3068 Western Bluffs Blvd., Double Dutch Construction, Double Dutch Construction, $251,075 5731 Horseshoe Trail, Trails West Homes LLC,, Trails West Homes LLC, $205,170 5214 S. Thunder Mountain Square, J & S Development Co., Jeff Junkert Construction Inc., $274,340 5371 Sundance Mountain Circle, NA, Jeff Junkert Construction Inc., $212,090 2705 Burlwood Drive, NA, Classic Design Homes, $210,915 5943 Foxtail Lane, Classic Design Homes |Classic Design Homes, $176,595 2619 Tulane Drive, NA, Kisling Quality Builders, $340,330 3953 Parkwood Drive, Image Builders, Image Builders, $308,340 1138 Pumpkin, J & M Development, $155,305 December 2014

I

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Residential Permits Amber N., $1,800 5410 Sacagawea Drive, Gustafson Darrel D. & Paula S., KJ Construction, $3,000 3272 Avenue F, Larson, Carl Benjamin, C’s Construction Of New Two Family Billings, $1,870 3070 Buttercup Drive, Williams, Ronald L. & Patricia, — 1805 Golf Drive, New MCM Inc., $4,500 West Construction Inc, New 945 Poly Drive, Wirth, Don & West Construction, $438,750 Marjorie, K-Designers, $15,502 Remodel Single/Duplex/ 724 Custer Ave., Christenot, Garage Jayne M., $5,000 501 Chancery Lane, Har3415 Flagstone Drive, rington, Brian E. & Molly M., Albright, Stephen D. & Gloria Pella Window Store, $4,000 J., All Season Construction, 224 Ashley Court N., Schopp, David A. & Juliann M., $7,000 2517 Beth Drive, Keating, All Season Construction, $850 Tom & Beth, Schwichtenberg 1320 Mineral Place, David, $4,800 Pickens, Cory L., All Season 2807 Lynwood Drive, Hull, Construction, $1,000 2283 Rosebud Drive, Moran, Christina Ann, Reule Builders, Mary Kay, All Season Construc- $2,000 624 S. 34 St., Wilcox, Brian, tion, $900 $22,600 2019 Eldorado Drive, Aals3160 S. Daffodil Drive, eth, Robin L. Trustee, Billings Goodvoice Teague, Alpha-OmeWindow And Door, $6,494 927 Kyhl Lane, Volnek, Ger- ga Disaster, $29,000 2615 Woody Drive, Marble, ald R. & Katherine M., $2,500 Jason, $2,000 646 Crawford Drive, Har1628 Cook Ave., Frank, rison, Vicky J., Freyenhagen Douglas B. Sr. & Audrey, Construction Inc., $18,000 2116 Virginia Lane, Gainan, Ecosmart Home Improvement Co., $6,996 James M., Langlas & Assoc.

3170 Sycamore Lane, Inc., $40,000 Barnes, Tim S. & Patricia J., 2111 Custer Ave., Uzelac, 1546 Tania Circle, Ketchum Construction & Woodworks, Ketchum Construction & Woodworks Inc., $224,685

penter, Lawrence W. & M. Kris, Pella Window Store, $1,250 3039 Western Bluffs Blvd., Hylland, Martin L. & Katherine, Shawn Nelson Construction, $27,400 820 Agate Ave., Jennell Donnes, Yellowstone Earthworks LLC, $10,000 645 Avenue C, Walter, Marlene, Phil’s Glass, $4,000 2204 Rosewyn Lane, Herderich, Lorenz, One Source Construction LLC, $1,100 1920 Dogwood Drive, Dalbert Lennick, $21,000 1234 Lewis Ave., Mcallister, William C., C’s Construction Of Billings, $1,050 2951 Kincaid Road, D J Shock Inc., Raisl Construction, $1,124 502 S. 33 St., Randy & Paula Adams, $60,000 2504 Rancho Road, Gjerde, James H. & Corrine M., Construction By Design Inc., $1,500 1435 Avenue B, Chandler, Clara Dawn, Kris Barger, $500 2402 Locust St., Yuill, Clifford D. Sr. & Ellan R., District 7 HRDC, $500 2907 Brentwood Lane, Nelson, Terrance J. & Eta, One Source Construction LLC, $1,100 1120 Yorktown St., Bot-

American Exteriors LLC, $3,261 1977 Edgewood Drive, Shelhamer, John H., Pella Window Store, $650 4540 Morgan Ave., Pavey, Cynthia L., Ecosmart Home Improvement Co., $4,440 1816 Wicks Lane, Latta, Lori, C’s Construction Of Billings, $547 2122 Wingate Lane, Moser, Johanne L., Alpha-Omega Disaster, $50,000 215 Alderson Ave., Culver, James L. & Regina M., AlphaOmega Disaster, $35,000 1315 2 St. W., Leggate, Jerry N., $2,000 3450 Winchell Lane, Loomis, Peter A. & Nadine M., One Source Construction LLC, $1,200 1188 Matador Ave., Losoya, Jeremy, Big Sky Maintenance Inc., $40,500 4212 Clevenger Ave., Rodda, Frederick & Julie, Phil’s Glass, $3,000 741 Lewis Ave., Nicholas Collins, $1,500 2813 Orchard Drive, Snyder, Ronald G. & Amy H., Win-Dor Industries, $3,104 2440 Eastridge Drive, Cross, Edward R. & J. Diane, Win-Dor Industries, $26,141 3337 Shenandoah Drive,

Hanstrom, Kenneth G. & Margaret, Win-Dor Industries, $3,860 225 Avenue B, Blades, John R. & Tiffany C., Win-Dor Industries, $2,436 2309 Crimson Lane, Pasek, Michael T. & Paula L., Win-Dor Industries, $1,890 2403 Nina Clare Road, Howard, Julia M., Pella Window Store, $800 4738 Stone St., Furlong, Linda K., Ecosmart Home Improvement Co., $2,000 3112 Laredo Place, Spragg, Sarah M., American Exteriors LLC, $1,610 2800 Woody Drive, Watterson, Larry L. & Jeanne M., American Exteriors LLC, $1,811 237 Custer Ave., Tidswell, Mary E., $2,000 3405 Timberline Drive, Aware Inc., Econo Glass West, $16,143 650 Garnet Ave., Thomas, Barbara L., K-Designers, $31,350 204 Lewis Ave., Peters, Mark Erwin, District 7 HRDC, $500 3733 Lava Circle, Bohl, Kristy A., District 7 HRDC, $700 5879 Autumnwood Drive, Butt, Tad D. & Karen T., Thompson Const. Co. Inc., $14,000 2820 Oakland Drive, Car-

Oct. 10.

Richard Charles Palmer, 1344 Rosebud Lane, Oct. 14.

Jimmie Odell Clayton, 4401/2 Burlington Ave., Oct. 14.

Stacy L. Bright, 1245 N.26th Ave., Oct. 17.

St., Oct. 15.

Richard Joel Eyre, 906 Crist Candace Irene Biggs, 343 Drive , Oct. 20.

Waterton Way, Oct. 17.

Richard Lee Bell, Beth AlJoni Sue Heine, 1005 Victory lana Bell, 10 Birchwood Drive,

tenhagen, Dean & Allison De, Servpro Of Billings, $4,000 3005 Smokey Lane, Schaak, Justin & Spring, American Exteriors LLC, $12,738 4368 Ridgewood Lane S., Newbury, Christopher D. & Shann, Pella Window Store, $1,100 3114 Silverwood St., Levar, John M. & Nancy G., Freyenhagen Construction Inc., $18,000 1713 Lenhardt Lane, Vuletich, Mark & Catherine I., Pella Window Store, $2,100 3717 Harry Cooper Place, Spielman, James P. & Carol V., Freyenhagen Construction Inc., $8,000 134 Avenue E, Carnahan, Jason A., $400 253 Annandale Road, Wilmott, Gary L. & Linda S., $33,680 2409 Avalon Road, Vinner, Mark K. & Holly L., Rocking JR Services LLC, $1,000 1704 Maurine St., Tracy, Timothy M., Billings Window & Siding Spec., $2,955 464 Freedom Ave., Edwards, John Steven & Terry L., MCM Inc., $5,000 1071 Neptune Blvd., Pamela D Taylor Revocable Trust, ABC Seamless Of Billings Inc., $1,900

Bankruptcies Billings area bankruptcy petitions filed in U.S. Bankruptcy Court Oct 1-31, 2014. Adresses are in Billings unless otherwise noted.

42

I December 2014

Chapter 7 Zachary Allen Newell, 925 N 19th St., Oct. 1.

Robert Holguin, Kimberly Holguin, 2017 Sunrise Ave.,

Oct. 20.

Stacey Jo Todd, 6440 Delores Court, Oct. 22.

Derek W Donovan, 60 Miners Place No. 4, Oct. 24.

Billingsbusiness

Bankruptcies John A. Drogitis, Pamela G. Drogitis, 303 S. Fourth, Bridger, Oct. 27.

Brenda K. Talley, 1522 Patricia Lane, Oct. 27.

Steven Michael Pittinger, 3811

Slalom Drive, No. 267, Oct. 28.

Brandon P. Sullivan, 1434 E. Louisiana, Oct. 28.

Colin Kampschroer, 1010 Harvard Ave., Oct. 28.

Colby Dee Riffel, Dea Lenae

Riffel, 1720 Augsburg Drive, Oct. 29.

Timothy Michael Buckley, Joey Lynn Leite Buckley, 1101 19th St. W., Oct. 29.

Billy Earl Holloway, Linda Joy

Oct. 30.

Holloway, 430 Calhoun Lane, Oct. Christopher Lee Murfitt, P.O. 29.

Box 254, Bearcreek, Oct. 31.

Kristelle Antoinette Michele Martinez, 1348 Lewis Ave., Oct. 29.

James D. Faulkner, Cynthia Chapter 13 J. Faulkner, 15 Gray Lane, Joliet, Norbert C. Dirkson, P.O. Box

and David Snow of Bozeman: Vibration reducing sample mount with thermal coupling. 8,844,298.

Sept. 30. S2 Corp. of Bozeman.

David L. LeMieux of Clancy: Rivet setting system. 8,850,677.

Oct. 7.

Joseph L. Byers of Inman, S.C.; William H. Haddock of Candler, N.C.; J. Ron Yarbrough of Hendersonville, N.C., and Samuel R. Shuman of Bozeman: Compressible printing sleeve carrier and method of making. 8,850,977. Oct. 7. Day

International, Inc. of Plymouth, Mich.

Daniel Theisen of Belgrade: Vehicle tail light operational indicator. 8,851,727. Oct. 7.

Rajesh Baskaran of Kalispell; Robert W. Batz Jr. of Kalispell; Bioh Kim of Milford, Conn.; Tom L. Ritzdorf of Bigfork; John Lee Klocke of Kalispell, and Kyle M. Hanson of Kalispell: Electrolytic process using anion permeable barrier.

8,852,417. Oct. 7. Applied Materials, Inc. of Santa Clara, Calif.

Alfredo M. Morales of Livermore, Calif.; Richard J. Anderson of Oakland, Calif.; Nancy Y. C. Yang of Lafayette, Calif.; Jack L. Skinner of Butte, and Michael J. Rye of Los Lunas, N.M.: Method to fabricate micro and nano diamond devices.

8,852,998. Oct. 7. Sandia Corporation of Albuquerque, N.M. Seth McKindra Enes of Missoula: Ornamental design for a travel case. D714,547. Oct. 7. Eric W. Reimers of Missoula.

Jonathan Lee Hoskinson

and Louise Anne Hoskinson, both of Ronan: Ornamental design for a rounded prefinished stairnose corner structure.

D714,964. Oct. 7.

Benjamin Meager of Bozeman: Pressure equalization apparatus for a bottle and methods associated therewith. 8,857,639.

Oct. 14. Paha Designs LLC of Denver.

Stephen L. Galbraith and Lawrence C. Farrar, both of Butte: Flameless thermal spray system using flame heat source.

8,857,733. Oct. 14. Resodyn Corporation of Butte.

Eddie E. Allen of Manhattan; Thomas D. Strade of Orchard Park N.Y., and Christopher Coley of Morgan Hill, Calif.: Method and apparatus for increasing effective contrast ratio and brightness yields for digital light valve image projectors. 8,860,891. Oct. 14. Allen Video Technology Inc. of Glen Arm, Md. Cheryl G. Schiavon of Billings: Ornamental design for massage tool. D715,452. Oct. 14.

The Tackle Truck, 2300 King Ave. W., 249-0556.

Sherpa Broadband Inc., Austin, Texas, 512-565-1402.

Safetech Inc., 5735 Interstate Ave., 651-0011.

MC Drywall, 2202 Myrtle Drive, 208-7889.

Cale Teske Construction, 3221 Banff Ave., 670-3096.

BTU Buster, 528 Katherine Ann Drive, 861-7701.

Montana Segway, 420 N. 17th St., 373-4929.

Mid-State Signs LLC, Winifred, 462-7446.

Floormaster Flooring, 2217 10th Ave. N., 927-2424.

Sparkling Clean, 1151 Howard Ave., 855-6221.

Robert Garrette Construction, 843 Howard Ave., 573-429-1504.

Ecosmart Home Improvement Company, Bozeman, 539-6626.

Darin Steiner Construction, 5425 Highway 312, 855-0634.

Precision Accounting LLC, 816 Maywood Drive.

Ska Life Agency Inc., 1633 Main St., Suite A-348, 559-3222230.

Umi Japanese Steakhouse and Lounge, 1603 Grand Ave.,

Suite 105, 702-7600.

L & J Zoomers, 300 S. 24th St. W., 312-532-6826.

Jason Wall Construction, 712 Moccasin Trail, 610-513-6756.

Custom Concrete Concepts Inc., 224 Clark Ave., 272-7020.

Valdez Geological, 218 Brookshire Blvd., 702-0264.

Buffalo Trail Contracting, Molt, 696-4041.

Sprouting Up Preschool & Drop In, 1603 St. Johns Ave., 545-8027.

Beartooth Distributors, 9021 Hobble Creek Drive, 371-6154.

Bodeker Siding, Laurel, 6944949.

SWI LLC, Powell, Wyo., 307754-8166.

KK Trades, Shepherd, 6725684.

American Hart Contracting, 2616 Old Hardin Road, 671-9973.

PKL Construction LLC, 122 Orchard Lane, 855-2343.

B & B Canine Resort, 2615 Terrace Drive, 861-4565.

Clean Corners LLC, 602 Wyoming Ave., 696-6930.

Rimview Construction LLC, 602 Wyoming Ave., 861-6604.

Platinum Roofing & Construc-

tion, 1636 Avenue F, 604-3719151.

Mexican Flavor, 27 Goldust Drive, 855-5312.

McDonald’s Restaurant No. 34743, 525 Wicks Lane, 2483763.

Van Gogh Interiors & Exteriors, 2439 Poly Drive, 647-4887.

5 Star Transmission, 3629 Duck Creek Road, 850-1522.

Tailor Made Technology, 1296 Cottonwood Blvd., 245-3498.

Yellowstone Earthworks LLC, Shepherd, 671-4307.

Grosskop Counseling Inc., 1220 Avenue C, Suite F, 8398844.

Straight Edge Welding, Fabrication & Design, Huntley, 855-1367.

Cross HomePark, 1501 Plateau Road, 690-3785.

Ashley Jones Designs, 935 Newport Beach Way, 855-4404.

Accurate Metal and Construction, 3506 Wasco Ave., 861-2272.

Combat Nutrition, 643 Grand Ave., Suite C, 694-7036.

Benefit Party Productions LLC, 714 N. Wagner Lane, 6901373.

Style Homes, 3417 Powderhorn Circle, 698-2099.

Alchay Construction, 1727 Cheryl St., 690-1976.

Brown’s Carpentry, 433 Judith Lane, 794-4308.

H D Park LLC, Las Vegas, Nev., 702-239-0580.

Shear Blessings Salon, 645 Grand Ave., Suite A, 581-0947.

Fickler Oil Co. Inc., 4005 First Ave. S. Water Werks, 513 S. 33rd St., 839-0507.

Made 4 U Only, 2900 Stanford Drive, 876-3634.

Montana Granola LLC, 1201 Yale Ave., 248-5853.

Lonewolfmt, Inc., 309 Garden Ave., 870-3435.

Alpine Floor Design, Portland, Ore., 503-236-3331.

Rolling Right Door Service, Silesia, 640-2433.

Everlasting Footprints, 541 Sprint Circle, 671-5128.

A Breath of Fresh Air Construction, Shepherd, 861-1572.

Vanguard Technologies LLC, 1660 Country Manor Blvd., 307272-8657.

MJ Contracting LLC, 210-1/2 Buena Vista Ave., 503-933-5123.

Taskmasters Enterprises LLC, 812 Avenue D, 696-1321.

Badger, 3334 Ravalli Place, 210-9720.

Event Photography Group Inc., 300 S. 24th St. W., 936372-3111.

Precision Trim, 3 Roundup Drive, 876-4928.

BC Construction, 2245 Rosebud Drive, 698-2885.

Mycom North America Inc., Roswell, Ga., 770-776-0000.

Carbon CountyInk, 319 S. 26th St., 245-6087.

Cross Tye Marketing, 4604 Audubon Way, 652-3313.

O.T.T. Design/Build, 1540 Sagebrush Road, 600-6882.

316 Trucking LLC, 3567 Granger Ave. W., 281-3193.

Clear Plex, 300 S. 24th St. W., 670-3772.

Geodata Services Inc., Missoula, 203-4684.

Taco Treat of Billings Heights, 1667 Main St., 2524302.

Soup and Such LLC, 1025 Shiloh Crossing Blvd., 696-1403.

D & H Mobile Power Wash, 3455 Old Hardin Road, 8556072.

474, Absarokee, Oct. 28. Gordon A. Clark, 8111 Coakley Road, Acton,Oct. 30.

Steve A. Kildahl, Paula A. Kildahl, 3355 Red King Gulch Road, Laurel, Oct. 31.

Montana patents Below are listed U.S. patents issued to Montana inventors Sept.

30-Oct. 14, 2014. For assistance in patent filing, call Billings patent attorney Antoinette M. Tease at 406-294-9000.

Edward J. Trout , Adam J. Trout and Andy Breke, all of Billings: Telescoping frame system for portable home or other structure. 8,844,212, Sept. 30.

Eco-Built Homes LLC of Billings.

Alex Woidtke of Bozeman, Peter B. Sellin of Bozeman, Luke Mauritsen of Belgrade

Business licenses The following business licenses were issued during October 2014. The information is collected by the city of Billings.

Byrum Services, 1803 Highway 87 E., 696-2057.

B & L Construction Service, 1210 Hawthorne Lane, 8557858.

Stonebraker Made, 1102 Kenneth St., 690-6398.

Salt City Candles, 1743 Broadview Drive, 690-2718.

Van Leggalo Photography

by Robb Vann, 324 12th St. W., 697-4572.

Arizona Wrangler Con., Phoenix, Ariz., 602-768-3834.

Rock Griffin, 1005 Main St., 801-651-5575.

Miller Montana Painting, 316 S. 37th St., 350-1852.

The Paralegal Store MT, 3107 Stone St., 812-2112.

J & C Complete Exhaust Cleaning Service Inc., 1503 Linda Lane, 256-6507.

TC Drywall, 420 Lordwith Drive, 694-4849.

Freedom Plumbing LLC, 3821 Drury Lane, 850-4587.

G.E.A.R. Construction, Laurel, 839-0425.

Billingsbusiness

December 2014

I

43

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In the Community to Serve®

Billings Commercial Building Permits November 2014 Addition

300 S. 24 St. W.

Rimrock Owner LP

Swank Enterprise

$500,000

Addition

3204 Broadwater Ave.

Mt. Conf .Assn. Of 7th Day Adventists

Fence/Roof/Siding

1141 28 St. W.

Turley Faye R. & John E. Trustee

Brock Barney Construction Inc.

$29,000

Fence/Roof/Siding

4904 Southgate Drive

Khan Investments LLC

Adan’s Construction LLC

$40,000

Fence/Roof/Siding

3213 Henesta Drive

Quilt Girl LLC

Wegner Homes

$20,000

Fence/Roof/Siding

1117 N. 24 St.

Sumner Louise W.

Norse Builders

$5,000

Fence/Roof/Siding

2939 Colton Blvd.

Messiah Evang. Lutheran Church

Infinity Roofing & Siding Inc.

$65,156

Fence/Roof/Siding

843 Parkway Lane

Rodeb Inc.

Donahue Roofing LLC

$52,000

Fence/Roof/Siding

4808 Underpass Ave.

MTSU LLC

Sundance Tile & Carpentry

$9,500

Fence/Roof/Siding

4808 Underpass Ave.

MTSU LLC

Sundance Tile & Carpentry

$2,000

Fence/Roof/Siding

4808 Underpass Ave.

MTSU LLC

Sundance Tile & Carpentry

$3,000

Fence/Roof/Siding

3075 Avenue C

Harvest Aspen Meadows Retirement

$10,000

Fence/Roof/Siding

3075 Avenue C

Harvest Aspen Meadows Retirement

$1,000

Fence/Roof/Siding

3075 Avenue C

Harvest Aspen Meadows Retirement

$1,000

Fence/Roof/Siding

3075 Avenue C

Harvest Aspen Meadows Retirement

$1,000

Fence/Roof/Siding

3075 Avenue C

Harvest Aspen Meadows Retirement

$1,000

Fence/Roof/Siding

3075 Avenue C

Harvest Aspen Meadows Retirement

$1,000

Fence/Roof/Siding

768 Asteroid Ave.

Ross Wendy A.

Dave’s Lawncare And General Co.

$31,000

Fence/Roof/Siding

843 Parkway Lane

Rodeb Inc.

Kris Barger

$52,000

Fence/Roof/Siding

1600 Avenue E

Denton Perth LLC

Dale Construction

Fence/Roof/Siding

350 Westchester Square N.

Maric Properties LLC

Cornerstone Siding Company

Fence/Roof/Siding

457 Daniel St.

Thomas & Tate Holdings LLC

Rambur Construction

$344,760

Fence/Roof/Siding

518 Killarney St.

Cederberg Samantha

Rambur Construction

$16,026

Fence/Roof/Siding

521 Killarney St.

Pasini Michael J.

Rambur Construction

$16,026

Fence/Roof/Siding

526 Killarney St.

Mason Noel P. & Teah L.

Rambur Construction

$22,722

Fence/Roof/Siding

550 Killarney St.

Peters Matthew W.

Rambur Construction

$22,699

New Church/School

218 N. 34 St.

First Baptist Church Of Billings

Black Eagle Construction LLC

New Other

1150 S. 29 St. W.

P & L Cook Enterprises LLC

P & G Construction LLC Jeff Junkert Construction Inc.

$500

$7,100 $45,858

$5,000 $19,000

New Other

615 S. 27 St.

Reichenbach Victor D, & Todd E,

New Other

615 S. 27 St.

Reichenbach Victor D. & Todd E.

$1,000

New Other

615 S. 27 St.

Reichenbach Victor D. & Todd E.

$1,000

Remodel

3226 Rosebud Drive

Jake Bauer

Remodel

3123 Eighth Ave. S.

Friendship House Of Christian

Remodel

214 N. 24 St.

Yellowstone County

Remodel

1603 Grand Ave.

West Park Shopping Center LLC

Remodel

300 S. 24 St. W.

Flaming Wok

44

I December 2014

Roset And Associates Inc.

$1,000

$10,000 $47,500

EEC Inc.

$45,000 $18,500 $500

Billingsbusiness

Billings Commercial Building Permits November 2014, continued Fence/Roof/Siding

2404 Central Ave.

Modakco LLC

Lennick Bros. Roofing

$9,800

Fence/Roof/Siding

25 Hilltop Road

Trinity Church Of Nazarene

Reroof America Contractors Mt LLC

$13,000

Fence/Roof/Siding

3211 1st Ave. N.

Berry Real Estates Holdings LL

Empire Roofing Inc.

$70,000

Fence/Roof/Siding

1321 N. 27 St.

Best Family Re LLC

4M Construction Inc.

Fence/Roof/Siding

3359 Crater Lake Ave.

Baptiste Louis & Kathleen

KC Roofing & Construction Inc.

Fence/Roof/Siding

23 Yellowstone Ave.

Cosman Properties LLC

Cucancic Construction Inc.

$200,000

Fence/Roof/Siding

1655 Hawthorne Lane

Branson Caleb R.

Infinity Roofing & Siding Inc.

$68,613

Fence/Roof/Siding

1600 Avenue E

Denton Perth LLC

Dale Construction

Fence/Roof/Siding

3980 Parkhill Drive

Highgate Billings LLC

Lyman Roofing

$139,320

Fence/Roof/Siding

3311 2 Ave. N.

Khan Real Estate LLC

HB Green Star

$49,000

Fence/Roof/Siding

191 Bohl Ave.

Bohl Properties LLC

Cornerstone Siding Company

$86,731

Fence/Roof/Siding

262 Wicks Lane

Billings Volunteers Of America

A-1 American Made Inc.

Footing/Foundation

1260 Sierra Granda Blvd.

Missions United Inc.

Dick Anderson Construction

Remodel

404 N. 31 St.

United Industry Inc.

Fisher Construction Inc.

$55,000

Remodel

2620 6 Ave. N.

Rocky Mountain Oil Inc.

Roset And Associates Inc.

$10,000

Remodel

2620 6 Ave. N.

Rocky Mountain Oil Inc.

Roset And Associates Inc.

$12,000

Remodel

1027 Shiloh Crossing Blvd.

Shiloh Silver Screen Partners

Langlas & Assoc. Inc.

$83,422

Remodel

637 Anchor St.

Billings Heights Post No. 6774

Remodel

3737 Grand Ave.

West End Commercial Properties

Jones Construction Inc.

Remodel-Change In Use

2499 Gabel Road

Jim Routson

Shaw Construction

Remodel-Change In Use

2502 1 Ave. N.

American Exchange Corp.

Remodel Multi-Family

112 N. 28 St.

400 Marion Inc.

Fisher Construction Inc.

$30,000

Demolition Permit Commercial

3133 Central Ave.

Neumann Gerald A.

Neumann Construction

$8,000

$8,500 $21,000

$7,300

$70,000 $1,500,000

$15,000 $110,000 $16,000 $100,000

The kind of personal service you just don’t get anywhere else

At Rocky Mountain Bank we believe when a community bank gets to know you, great things happen. Like quick and easy loan approvals, and products and services that make banking more enjoyable. Our wide variety of accounts and loans are backed by experienced, knowledgeable professionals ready to help with all of your business and personal banking needs.

So come on in or log on to www.RMBank.com and get to know the bank that gets to know you.

www.RMBank.com | 406.655.2800

SHIRLEEN LARSEN | Private Banker | SHARON CLARKE | Treasury Management Billingsbusiness

| STEVE CASHER l Market President December 2014

I

45

Billings Commercial Building Permits November 2014, continued Addition

216 Moore Lane

Brink Gary P.

Hobart Sales & Service

$225,000

Addition

21 8 St. W.

Kunkel Raymond W. & Mary Ann

EEC Inc.

$444,752

Fence/Roof/Siding

2207 Central Ave.

RGP Of Billings LLC

Brock Barney Construction Inc.

$29,800

Fence/Roof/Siding

1302 N. 27 St.

Board Of Regents Of Higher Education

Cornerstone Siding Company

$38,000

Fence/Roof/Siding

1555 Campus Way

1555 Campus Way LLC

M & J Construction

$22,790

Fence/Roof/Siding

32 Wicks Lane

Sisters Of Charity Of Leavenworth

Swift Construction

$45,000

Fence/Roof/Siding

321 S. 24 St. W.

Gilman-Kaufman Partnership

Infinity Roofing & Siding Inc.

$8,428

Fence/Roof/Siding

315 N. 24 St.

Gilman-Kaufman

Infinity Roofing & Siding Inc.

$8,428

Fence/Roof/Siding

611 Pebble Beach Road

Boyd P L “Joe” & Sharon E.

Tom Hennessy Construction

$10,400

New 5 Or More Family

4417 Gators Way

CK Land LLC

Sunset Construction LLC

$457,926

New 5 Or More Family

910 Wolverines Way

CK Land LLC

Sunset Construction LLC

$1,611,608

New 5 Or More Family

4408 Gators Way

CK Land LLC

Sunset Construction LLC

$457,926

New 5 Or More Family

4515 Gators Way

CK Land LLC

Sunset Construction LLC

$1,611,608

New 5 Or More Family

4418 Gators Way

CK Land LLC

Sunset Construction LLC

$457,926

New 5 Or More Family

4505 Gators Way

CK Land LLC

Sunset Construction LLC

$1,611,608

New 5 Or More Family

4520 Gators Way

CK Land LLC

Sunset Construction LLC

$1,611,608

New 5 Or More Family

4510 Gators Way

CK Land LLC

Sunset Construction LLC

$1,611,608

New Church/School

1726 Lampman Drive

New Day Inc.

Hulteng Inc.

$844,411

Remodel

4780 King Ave. E.

BK RE 11036 LLC

Westec Construction Management Company

$150,000

Remodel

1004 Division St.

1015 Broadwater LLC

CRM Services Inc.

$115,000

Remodel

3311 2 Ave. N.

Khan Real Estate LLC

HB Green Star

Remodel

178 S. 32 St. W..

MLZ LLP

Neumann Construction

Remodel

402 Main St.

Big Sky Holdings LLC

Cucancic Construction Inc.

Remodel

2059 Broadwater Ave.

Thotus Ellen M. Trustee

Alpha-Omega Disaster

Remodel-Change In Use

1002 N. 30 St.

Billings Clinic Foundation

Demolition Permit Commercial

612 N. 31 St.

United Properties Inc.

Ryan Keeland Excavation LLC

$49,500

Fence/Roof/Siding

765 S. 20 St. W.

Stenberg Properties LLC

Empire Roofing Inc.

$16,000

Fence/Roof/Siding

829 Avenue C

Kile Dean & Carmen

Wyomont Exterior Design

$8,500

Fence/Roof/Siding

833 Avenue C

Kile Dean & Carmen

Wyomont Exterior Design

$8,500

Fence/Roof/Siding

837 Avenue C

Kile Dean S.

Wyomont Exterior Design

$8,500

Fence/Roof/Siding

217 N. 28 St.

Lo Chia Wei & Lin Lin

K Simon Construction LLC

$46,502

Fence/Roof/Siding

1021 Alderson Ave.

Scherer Jered H. & Bonnie L.

Cornerstone Siding Company

$19,304

Fence/Roof/Siding

1211 1 Ave. N.

Berst David

America’s Best Contractors Inc.

Fence/Roof/Siding

1918 Grand Ave.

R & C Entertainment Inc.

Dale Construction

$28,000

Fence/Roof/Siding

2132 Broadwater Ave.

Box Elder LLC

Darin Steiner Construction

$30,000

Fence/Roof/Siding

1225 Wicks Lane

Evi Billings LLC

Aspen Contracting Inc.

$66,669

Fence/Roof/Siding

3405 1 Ave. N.

Debtor Co. Trust

Sprague Construction Roofing Division

$15,400

Fence/Roof/Siding

2351 Solomon Ave.

Westpark Village LLC

Empire Roofing Inc.

Fence/Roof/Siding

3825 Avenue B

Beeter Roger J. & Nancy M.

Finishing Touch Paint & Raingutter

$11,760

Fence/Roof/Siding

3825 Avenue B

Beeter Roger J. & Nancy M.

Finishing Touch Paint & Raingutter

$13,440

Fence/Roof/Siding

1911 8 Ave. N.

Jerry T. Ray Family Trust

Fence/Roof/Siding

1125 Custer Ave.

Eckley Michael K.

Sprague Construction Roofing Division

Fence/Roof/Siding

1629 King Ave. W.

Billings Distribution Center

Bradford Roof Management Inc.

$117,000

New Other

1221 Wicks Lane

Averill Lonney L.

Northwest Fuel Systems Inc.

$267,271

46

I December 2014

$3,500 $125,000 $2,500 $100,000 $121,711

$7,500

$199,000

$6,000 $12,600

Billingsbusiness

Billings Commercial Building Permits November 2014, continued New Store/Strip Center

3133 Central Ave.

Neumann Gerald A.

Remodel

1775 Spring Creek Lane

Billings VA 2008 LLC

$365,000

Remodel

316 S. 24 St. W.

Rimrock Owner LP

$8,500

Remodel

300 S. 24 St. W.

Rimrock Owner LP

$25,000

Remodel

2255 Overland Ave.

David Veeder

Remodel

1116 Grand Ave.

1116 Grand Ave LLC

Remodel

300 S. 24 St. W.

Rimrock Owner LP

Jones Construction Inc.

$40,000

Remodel

175 N. 27 St.

SFH II LLC

Jones Construction Inc.

$145,000

Remodel

300 S. 24 St. W.

Flaming Wok

Neil Drywall Inc.

Remodel

175 N. 27 St.

SFH II LLC

Jones Construction Inc.

Remodel

1002 1 Ave. N.

Twin Peaks LLC

$1,000

Addition

636 Logan Lane

TWE Wittman Properties LLC

$243,000

Fence/Roof/Siding

2510 17 St. W.

Consolidated Properties LLC

Lynnrich Inc.

$17,290

Fence/Roof/Siding

2230 Remington Square

Lillian M. Lawrence Trust

Sprague Construction Roofing Division

$24,000

Fence/Roof/Siding

15 N. 26 St.

Computers Unlimited Inc.

Adan’s Construction LLC

$47,000

Fence/Roof/Siding

600 1 Ave. N.

Bageman James C.

Cornerstone Siding Company

$117,466

Fence/Roof/Siding

14 N. 29 St.

Barbazon Apartments LP

4M Construction Inc.

$36,000

Fence/Roof/Siding

1134 N. 22 St.

Settergren Young

Mountain Area Systems

$11,400

Fence/Roof/Siding

1134 N. 22 St.

Settergren Young

Mountain Area Systems

$3,800

Fence/Roof/Siding

1134 N. 22 St.

Settergren Young

Mountain Area Systems

$11,400

Fence/Roof/Siding

1134 N. 22 St.

Settergren Young

Mountain Area Systems

$3,800

Fence/Roof/Siding

1134 N. 22 St.

Settergren Young

Mountain Area Systems

$11,400

Fence/Roof/Siding

1134 N. 22 St.

Settergren Young

Mountain Area Systems

$3,800

Fence/Roof/Siding

211 N. 30 St.

Peter Yegen Jr. Inc.

Empire Htg. & Cooling

$85,000

Fence/Roof/Siding

109 N. 28 St.

Acme Limited Partnership

TL Dietz Contractors

$5,600

Fence/Roof/Siding

1930 Clubhouse Way

Go Play Golf LLC

Specialized Construction

Fence/Roof/Siding

1645 Central Ave.

Root Gary J. & Robyn

C’s Construction Of Billings

$6,540

New Warehouse/Storage

2499 41 St. W.

Wild Doug

Classic Design Homes

$8,112

Remodel

1541 Custer Ave.

Valley Credit Union

Fisher Construction Inc.

Remodel

511 Central Ave.

ABS MT-O LLC

Langlas & Assoc. Inc.

Remodel

3318 3 Ave. N.

Jeff Essmann

Lonewolfmt Inc.

Demolition Permit

1441 Governors Blvd.

School District 2

Vertical Limit Construction LLC

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Neumann Construction

$609,955

Langlas & Assoc. Inc.

$998,500 $150,000

$500 $50,000

$18,000

$78,220 $100,000 $5,000 $20,000

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December 2014

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47

Thank You FOR YOUR BUSINESS!

May you have a peaceful and prosperous 2015 from your friends at Stockman Bank.

King Ave 655-2700 Š 2014 Stockman Bank

48

I December 2014

| Member FDIC

Hilltop & Main 896-4800

Shiloh & Grand 655-3900

Downtown 655-2400

14th & Grand 371-8100

Worden 967-3612

WWW.STOCKMANBANK.COM Billingsbusiness