Billings Business July 2014

5 Minutes witH

Mark Sanderson ArtWalk

Thor Lindshield

Yellowstone Bean Co.

Saving a lifeline Investment will improve Crow water system

July 2014

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

CONTENTS

July ’14

An indispensable business resource On the Cover Titus Takes Gun, Director and engineer for the Crow Tribal Water Resource Department, irrigation system improvements near St. Xavier.

Photo by Bob Zellar

FEATURES

Saving a lifeline..................................................................................................................................................................................................... 6 Investment will improve Crow water system

The perfect brew................................................................................................................................................................................................. 9 Billings brewers shine at North American Beer Awards

Resilient crop...................................................................................................................................................................................................... 14 Bean crop escaped damage in May hail onslaught

National campaign...................................................................................................................................................................................... 18 KOA rolls out first nationwide TV commercial

Merging comapnies................................................................................................................................................................................... 22 Prudential Floberg Realtors changes name after Berkshire Hathaway acquisition COLUMNS

Strategies for Success.............................................................................................................................................................................17 Your Finances......................................................................................................................................................................................................20

Complete Reconstruction

Brandon Berger - SBA 504 program is win-win for business finance

Joe Michels - For many business owners, leasing makes more sense

Shelly Gams - Yes, Social Security benefits can be subject to taxation

Sales Moves..........................................................................................................................................................................................................21 Jeffery Gitomer - Positive, well planned thinking leads to better outcomes

Better Business.................................................................................................................................................................................................24 Erin T. Dodge - Nigerian scam artists finding new ways to trick retailers

Travel & Leisure................................................................................................................................................................................................26 Billie Ruff - Women face special issues when traveling North Dakota oil production eclipses 1M barrels per day, Page 28

Commercial & Residential

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

Economic Development.........................................................................................................................................................................10 Bean crop escaped damage in May hail onslaught, Page 14

24 Hour Emergency Flood & Fire Restoration Services

BILLINGS BUSINESS EVERY MONTH

Licensed • Bonded • Insured Preferred by Major Insurance Companies.

406-628-0178

—24 hour contact line—

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From the Editor.......................................................................................................................................................................................................4 By the numbers .....................................................................................................................................................................................................5 Page 12 Mark Sanderson

The local economy at a glance

Five Minutes with...........................................................................................................................................................................................12 Mark Sanderson - ArtWalk

Chamber News................................................................................................................................................................................................. 13 Jennifer Reiser - NextGen will help young professionals connect

Success Stories................................................................................................................................................................................................41 Business Briefs .................................................................................................................................................................................................42 The Listings............................................................................................................................................................................................................43

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Billings Business is mailed each month to area business owners, managers and decision makers for $19.95 per year.

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

Billings Business 401 North Broadway Billings, MT 59101 BILLINGSbusiness

Billingsbusiness

July 2014

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the editor

July 2013 • VOLUME 19 • NUMBER 10

M AYBE YOU DIDN ’ T THINK ABOUT THIS M ONTANA INDUSTRY AS AN EXPORT As summer kicks into high gear, take a moment to ponder this brain teaser.

One of the most important Made in Montana exports doesn’t involve loading commodities on trains, jumbo jets or pipelines. In fact, this product is consumed without ever leaving the state.

In case you’re stumped, we’re talking tourism. The University of Montana’s Institute for Tourism and Recreation Research reports that international visitors spent nearly $440 million in Montana last year.

Discussions of Montana exports usually focus on commodities such as wheat, coal and beef.

But those products are just one piece of the puzzle. Services such as financial services, telecommunications and, yes, tourism play an increasingly important role in international trade.

When tourism is part of the equation, a snapshot of Montana’s foreign exchange looks quite a bit different. Only bulk wheat, at $929 million, accounted for more in export sales than tourism last year, state officials say.

Montana’s scenery has been captivating nonresident travelers since the days of Lewis and Clark, so classifying tourism as an export is another way of describing an important, traditional industry.

National travel organizations have been describing foreign tourism as a “service export” more frequently in recent years. Main Street Montana, a statewide

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business plan from Gov. Steve Bullock’s Administration, also makes note of that, said Mike Garcia, director of Voices of Montana Tourism.

Tourism is also growing nationwide, and it’s seen as a key factor in the economic recovery. International visitors spent a record $180.7 billion on U.S. travel and tourism-related goods and services in 2013, an increase of more than 9 percent from the previous year.

On average, international visitors spent nearly $1.3 billion more a month in the United States than they did the previous year, the U.S. Commerce Department announced earlier this year. The Obama Administration has established a goal of attracting at least 100 million international visitors by 2021.

There’s also good reason for marketing to international travelers, Garcia said. Last year, international travelers comprised about 10 percent of the state’s 11 million tourists, yet they accounted for about 20 percent of tourism expenditure.

“That’s a huge win for Montana,” Garcia said.

“Foreign travelers are spending 1.5 to two times as much per visit.”

So the next time you’re listening to the cacophony of languages being spoken at Lake McDonald in Glacier National Park, keep in mind that those people are playing an essential role in one of the state’s iconic industries.

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 August 2013 issue is 5 p.m. Tuesday, July 10. 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 Hilltop & Main 896-4800

Shiloh & Grand 655-3900

Drought in retreat

14th & Grand 371-8100

Worden 967-3612

Airport boardings

National park visitors

40 350

The latest Drought Monitor for the western U.S. shows no sign of drought in Montana, with dry conditions existing only in the southwestern corner of the state.

300 30

In thousands

250

200

Source: USDA, NOAA

Billings housing starts

20

150 10

100 204

New single-family home building permits 40 35 30 25 20 15 10 5 0

Downtown 655-2400

In thousands

King Ave 655-2700

www.stockmanbank.com

50 137

150 120

0 0

90

Feb.

Mar.

Apr.

May

Jan.

Feb.

Billings

60

Yellowstone National Park

30 0 December

January

February

March

Dec. 2012 - May 2013

April

YTD Through May 31

May

Dec. 2013 - May 2014

2013

Ag prices

January to April 2013 January to April 2014 January to April 2013 January to April 2014

Missoula

January to April 2013 January to April 2014

Source: Montana Department of Transportation

Unemployment Montana Beef Cattle

(per bushel)

$150

8

120

6

90

4

60

2

30

0

0

Feb.

10

(per cwt.)

$10

Mar.

Apr.

May

Dec. 2012 to May 2013 Source: U.S. Department of Agriculture

Billingsbusiness

Apr.

Source: National Park Service

February to May 2013 February to May 2014

Source: National Park Service

Montana winter wheat

Jan.

Glacier National Park

2014

Source: City of Billings

Dec.

Bozeman

February to May 2013 February to May 2014

Mar.

8 6 4 2 0 Dec.

Jan.

Feb.

Dec. 2013 to May 2014

Mar.

Apr.

November

December

January

February

March

April

May

Montana

Yellowstone County

U.S.

Source: Montana Department of Labor and Industry

July 2014

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Saving a lifeline

Investment will improve Crow water system

BOB ZELLAR/Gazette Staff A Crow irrigation structure to be replaced by an irrigation system improvement project near St. Xavier on June 6.

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Billingsbusiness

BY TOM HOWARD A CONCRETE STRUCTURE THAT HELPS DELIVER WATER TO FARMERS ALONG THE

B IG H ORN C ANAL WAS IN DANGER OF FAILURE BECAUSE OF WATER - CAUSED EROSION STRETCHING OVER DECADES .

But workers from the Crow Tribal Water Resource Department completed repairs to the concrete structure, known as a high check, before the 2013 irrigation system began.

A new concrete foundation, a layer of rubberized fabric and a bed of stone riprap installed inside the canal have blocked water from further undercutting the structure, which backs up water and slows the flow so that farmers can draw from the canal and irrigate their fields.

Without the repairs, the check was in danger of toppling over, leaving farmers high and dry, said Titus Takes Gun, director of the Crow Tribal Water Resource Department.

On a recent June morning, Takes Gun joined officials from several agencies near St. Xavier for an inspection of the repaired canal and a nearby access road. The renovation is one of the preliminary projects being done to rehabilitate the historic irrigation system that serves the 2.3-million-acre Crow Reservation.

The extensive collection of canals, diversions and drains that was developed in the late 19th and early 20th centuries has been a lifeline to generations of farmers. The system consists of 11 diversion dams, one storage dam, 122 miles of main canals, 43 miles of drains, 257 miles of additional canals and 3,800 structures.

But the years have taken their toll on this essential infrastructure.

“It’s an old system, and it’s never been BILLINGSbusiness

In this file photo, workers for the Crow Tribal Water Resource Department lay rubberized fabric in the Big Horn Canal near St. Xavier.

rehabilitated since it was first built. It has needed work for quite a long time,” Takes Gun said.

The recent renovation appeared to be functioning well during the June visit. But the check, and a similar downstream structure known as a drop, will eventually be replaced by a modern control structure. Preliminary plans call for constructing a pair of 72-inch pipes, with energy-absorbing baffles installed in the bottom, Takes Gun said.

Because the irrigation system operates during the summer, most of the construction work has to be done between fall and spring,

Construction Manager Larry Martin and the BIA’s Kyle Varvel talk about irrigation system improvements near St. Xavier on June 6.

Photo by BOB ZELLAR

July 2014

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Photo by BOB ZELLAR A failed irrigation structure to be replaced by an irrigation system improvement project near St. Xavier on June 6.

when the irrigation water is turned off.

Tribal officials also are looking into the feasibility of harvesting renewable energy from the irrigation system with a hydropowered electrical generator. Takes Gun plans to visit a low-head hydroelectric power system in Madras, Ore., which has a hydropower system that’s very similar to what’s being considered for the Big Horn Canal, he said.

According to research from Colorado State University, water flowing in an irrigation canal is capable of generating between 100 kilowatts and two megawatts of power. Two megawatts is enough electricity to supply power to about 850 typical homes.

In March, U.S. Secretary of the Interior Sally Jewell announced that the Crow Tribe had received a $665,000 grant for an eightmegawatt hydroelectric power project at the Afterbay below Bighorn Lake.

The tribe will use the money to complete all the technical, environmental, engineering

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and economic analyses required for an 8- to 12-megawatt hydroelectric project. The tribe hopes to have the $44.5 million plant operating by 2018.

The extensive rehabilitation work scheduled to take place between now and 2030 might not have happened without approval of the Claims Settlement Act. The law, signed

by President Barack Obama in 2010, guarantees the tribe’s water rights and includes about $460 million for specific water projects.

The Crow Irrigation Project will receive nearly $132 million in improvements as part of the settlement. The act also allocates $246.4 million for the design and construction of the MR&I water system to provide domestic and industrial water for communities around the reservation.

The milestone water agreement put to rest more than 30 years of litigation concerning the tribe’s water rights.

Takes Gun lived in Lodge Grass until he

was 11 years old when his family moved to Billings. He graduated from Billings Senior High.

He graduated from Montana State University with a degree in civil engineering and joined the Crow Tribal Water Resources Department in 2012. He was promoted to director in 2013.

“When this job came along I thought it was a perfect challenge,” Takes Gun said.

“I’ve always tried to challenge myself, and for the tribe to trust me with this type of responsibility, I’m willing to take it on.”

The extensive work on the tribe’s irrigation system not only means improved service to irrigators. It also provides job opportunities so tribal members. The department currently has around 27 employees, but that number is expected to increase to around 60 permanent employees and up to 30 seasonal employees over the next few years as work progresses.

Bartlett & West, an engineering firm based

in Topeka, Kan., opened a Billings office about one year ago and has been doing much of the design work for the Crow project.

Takes Gun said Bartlett & West has been responsive and thorough in its dealings with the district.

Bruce Hattig, an engineer and Billings location manager for Bartlett & West, said the Crow water project represents a significant portion of the work being done in the Billings office. “It’s a good, reliable opportunity for us,” he said.

With offices Bartlett & West has 14 offices in nine states. In addition to Billings, the company has upper-Midwest offices in Bismarck, N.D., Williston, N.D., and Sioux Falls, S.D. The Billings office serves local and regional municipalities, tribal governments, water districts, land developers, private industry and other clients.

Hattig said Bartlett & West has been active working in the area surrounding the Bakken oil play.

Billingsbusiness

The perfect brew

Billings brewers shine at North American Beer Awards

By BILLINGS BUSINESS

Four Billings breweries brought home a total of nine medals from the recent North American Beer Awards competition in Idaho Falls.

The competition, sanctioned by the North American Brewers Association, attracted entries from Idaho, Utah, Montana, Oregon, Wyoming, California, Colorado, Alaska, Missouri, Hawaii, Washington, Arizona, Nevada, Massachusetts and Minnesota.

Carter’s Brewing led the way for the Billings contingent, bringing home five medals, two of them gold.

Canyon Creek Brewing won one, Montana Brewing Co. won two and Uberbrew won one.

Montana breweries from Belgrade, Bigfork, Billings, Hamilton, Lakeside, Missoula, Philipsburg, and Whitefish placed in their respective divisions.

“Made in Montana products can’t be beat – and that’s especially true of our craft beers. Our brewers are driving one of our fastest-growing industries,” said Sen. John Walsh, D-Mont. “Congratulations to the Montana entrepreneurs recognized at this year’s awards. I will continue to do everything I can to eliminate red tape and lower taxes for local brewers across our state.”

Walsh recently cosponsored the BEER Act and the Billingsbusiness

Small BREW Act to reduce the excise tax brewers pay on every barrel they produce.

Montana is home to 46 breweries that employ more than 500 Montanans, with at least six more expected to open later this year. Brewers use more than 6 million pounds of malted grain, much of which is grown in Montana.

Here is a list of Montana Brewers honored in the competition: Big Sky Brewing in Missoula: Gold Medal in BalticStyle Porter for Bobo’s Robust Porter; Gold Medal in Honey Beer for Summer Honey; Bitterroot Brewing in Hamilton: Silver Medal in English-Style Brown Ale for Nut Brown Ale; Silver Medal, Oatmeal Stout, for Bitterroot Oatmeal Stout Canyon Creek Brewing in Billings: Silver Medal in Golden or Blonde Ale for One Night Stand; Carter’s Brewing in Billings: Gold Medal in Dubbel for Rob Moore Abbey Ale; Gold Medal in Tripel for The Golden Boy; Silver Medal in Biere de Garde for Biere de Mars 2014; Bronze Medal in Scottish-Style light for Switchyard Scottish Ale;

Photo by BOB ZELLAR Mike Uhrich of Carter’s Brewery, 2526 Montana Ave., holds a sample of one of his brews. Carter’s won five medals at the North American Beer Awards competition.

Bronze Medal in Lambic for Franbeaux; Draught Works Brewery in Missoula: Gold Medal in German-Style Rauchbier for Backdraught; Bronze Medal in Cream Ale for That’s What She Said; Flathead Lake Brewing Co. in Bigfork: Gold Medal in Flanders-Style Ale for Montucky Sour Brown; Bronze

Medal in Belgian Style Ales for Dirty Ginger Great Northern Brewing Co. in Whitefish: Gold Medal in Hefeweizen for Wheatfish; Kettle House Brewing in Missoula: Silver Medal in English-Style India Pale Ale for Double Haul; Bronze Medal in English Summer Ale for Fresh Bongwater; Madison River Brewing

Co. in Belgrade: Bronze Medal in American-Style Barley Wine for Frostbite Barley Wine 12; Montana Brewing Co. in Billings: Bronze Medal in Hefeweizen for Whitetail Wheat; Bronze Medal in Coffee Beers for Beartooth Espresso Porter; Philipsburg BrewCo. in Philipsburg: Silver Medal

in Coffee Beers for Corners Porter; Tamarack Brewing Co., Lakeside: Gold Medal in Hybrid Style Beers for Blue Jay White IPA; Silver Medal in Carbonated Drinks for Training Wheels Rootbeer; Uberbrew in Billings: Bronze Medal in Cascadian Style Dark Ale for Black Hops Tactical IPA. July 2014

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SPONSORED BY THE BIG SKY ECONOMIC DEVELOPMENT

SBA 504 PROGRAM IS

WIN - WIN FOR BUSINESS FINANCE For the most part, no project is too large or too small.

Brandon Berger Brandon Berger is the director of business finance at Big Sky Economic Development. Reach him at 406.869.8403 or berger@bigskyeda.org.

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Big Sky Economic Development works with many businesses in Billings and the surrounding area utilizing a number of different tools. One of the more important and frequently used tools is the SBA 504 Loan program, or, as it is now called, the Real Estate Advantage Loan (REAL 504). Big Sky Economic Development is licensed by the Small Business Administration as a Certified Development Company in order to administer this loan program to small businesses throughout the entire state of Montana. Don’t get lost in all the names here, one only needs to remember SBA 504 Loans.

What are they and what are they used for one might ask? The SBA 504 Loan program is SBA’s flagship economic development loan program offering long-term, fixed rate financing with minimal down payment to assist businesses with the purchase of real estate and equipment. The real estate financing is for owner-occupied real estate and could be for the purchase of an existing building, purchase and renovations of existing real property, new ground up construction or just

leasehold improvements.

The equipment financing is for more “long life” type equipment, or could be furniture and fixtures as part of a larger real estate financing package.

So why would a borrower look at using the 504 Loan program versus traditional bank financing?

First of all, the 504 Loan is used in combination with traditional bank financing.

Utilizing 504 financing provides a borrower with the ability to get into a project with as little as 10 percent equity. In some cases, it may be 15 or 20 percent, but still provides the business owner the ability to conserve cash for business operations.

Second, the rate on the SBA 504 portion is fixed for the term of the note — 20 years for real estate and 10 years for equipment. Finally, it helps one’s lender as it provides the bank with what would be considered a 100 percent guaranteed loan on up to 40 percent of the project financing. Typical project structure is as follows: bank financing 50 percent of the project, SBA 504 loan financing 40 percent of the project in a second lien position to the bank, and the borrower coming in

with as little as 10 percent.

The SBA 504 Loan program is a win-win-win for everyone: the borrower saves cash with a lower down payment while the bank/lender reduces their risk and exposure all while the local economy benefits with the new project and new jobs created in the

Educate

community.

Big Sky Economic Development has worked with borrowers and lenders across the entire state who have benefited from this awesome financing tool. For the most part, no project is too large or too small. Just this past year we have participated in projects totaling

Innovate

more than $7.5 million all the way down to just under $250,000. If a business is expanding and looking to acquire real estate or equipment for its operations, look to take advantage of the SBA 504 Loan program offered through Big Sky Economic Development. It is a winning strategy for expansion.

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Billingsbusiness

July 2014

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Mark Sanderson

ArtWalk turns 20

BY TOM HOWARD

ArtWalk took root 20 years ago when Vicki Van Buskirk, owner of Toucan Gallery, convinced other gallery and shop owners to stay open late for an event that aimed to kindle interest in local artists. The effort started out slowly, but has enjoyed steady growth since then. Van Buskirk sold the gallery to Mark Sanderson and his wife, Allison O’Donnell, seven years ago. Toucan is still a key player in the five-times-a-year event.

Sanderson sat down to talk about a thriving art scene that owes part of its success to ArtWalk.

Q: What noticeable changes have you seen since you’ve been involved with ArtWalk?

Toucan is almost 30 years old, at the same location on Montana Avenue for its entire life. Art gallery, custom picture framing shop and boutique. Allison had worked there prior to us buying it in January of 2007.

Allison and I attended ArtWalks prior to us owning the gallery, of course, so we’ve seen the ArtWalk grow over quite a few years. Obviously owning the gallery has given us a much more intimate perspective on the event and the people who attend it.

The biggest change we’ve noticed is that the ArtWalk has become more of a community event than just an “insider” sort of event. Years ago it was pretty much just artists and their friends who showed up, but as the event has endured, more and more people are coming out, and a much broader cross-section of the community. It’s become a great big social occasion in downtown Billings.

Q: A recent study suggested that Montana artists have a $233 million impact on the economy. Does that surprise you?

There are certainly a lot of artists and arts organizations in Montana, so it’s not surprising that there is that kind of impact on the economy. There would have to be an impact, considering all the galleries and museums and theaters and orchestras and jazz musicians and writers and filmmakers and whatever and whoever else that is involved in making some kind of art. When you start thinking about the people you know, an artist of some kind or someone associated with the arts in some way is more than likely going to come up.

I think a lot of artists are attracted to Montana because it’s a place of isolation, it’s a place where people are for the most part going to leave you alone while you do your thing, while you make your stuff. Billings is a more urban place, so it has some of the challenges that that brings, but I think of all the artists living in the more rural and more mountainous parts of the state who have sought refuge here in Montana because of that isolation and quiet — and in some places for the sort of bohemian culture that exists where they’ve found not just that space, but the kind of camaraderie they desire in order to do what they do. There’s certainly a long tradition of artists of all kinds finding this place and staying here.

Q: Here’s a chicken-or-the-egg question: Is it far So to be on Montana Avenue and interface with the community fetched to suggest that ArtWalk has helped the art comin a storefront kind of way, rather than working for clients as a munity to grow and prosper, or is ArtWalk’s success professional consultant, seemed like a different challenge. Touderived from a thriving arts community? can might seem a long way from architecture to some, but if you ArtWalk has definitely played a role in developing an art step back far enough to see architecture for what it is at a more community in Billings. The people who started this thing were fundamental level, then, well, it makes more sense. undoubtedly trying to do that, to help create and develop a The connections between architecture and the things I’ve community around the arts, the visual arts in particular with done that haven’t been architecture, in a traditional sense, respect to the ArtWalk, of course. It’s provided a consistent actually has less to do with “creativity” and more to do with thread of activity around art and artists for the past 20 years. the nature of “design.” To most people architecture is about Even as the art community has naturally waxed and waned over “designing buildings.” But it’s more complex than that phrase the years, the ArtWalk has plugged along, a constant force for implies. It is much more diverse and holistic in its scope and organizing the Billings’ community around art, both the making purpose than that simplistic definition allows. It is about apand patronage of art. It’s that organizing force, the power of plying art and science to the human condition simultaneously organization, that has been the source of its endurance. in order to improve that condition. Yes, a roof over your head to Q: Can you think of any artists who have been keep you and your stuff dry when it rains, but at the same time “discovered” and going on to big success thanks to their it’s an expression meant to make you think and feel, to someexposure at ArtWalk? how touch your soul.

I’m not sure I could specifically identify one, but there Even though I don’t do architecture in the traditional sense have undoubtedly been many over the past 20 years who have anymore, I still seek that transcendent middle in everything I benefited from the exposure that ArtWalk has given them. It’s do. It is quite surely what has allowed me hard to be an artist, certainly a professional one, certainly one to do what I’ve done over my career. As who makes a living doing it, and if you’re trying to make money I said earlier, an artist who wants to sell making art, then you are in a position to be not just an artist, but their work is a business person, and that, also to be a business person. You are an entrepreneur. And if you too, requires both sides of the brain. In define your art making as a business, then what you’re doing is design, a critical phase of the process making a product to sell in the marketplace. That means letting comes in defining the problem to be people know about who you are and what you make, which is solved. Toucan was just another marketing. So as a marketing play for artists, the kind of expodesign problem requiring both sure that ArtWalk can offer — in the case of Toucan, let’s say creative and analytical thinking that’s 500 people seeing your art in the space of a few hours (we in order to be solved. don’t have 500 people in the store in a week) — is invaluable.

You can be on the Internet with a website and be active in social media, you can advertise in traditional media, but you can’t do better than having an opportunity for people to see your work in person, and that’s what ArtWalk has provided artists for 20 years. In that regard, the kind of exposure that ArtWalk provides has benefited probably more artists than we can count.

Q: Has your background in architecture given you any special insight into the art world?

The opportunity to buy Toucan was interesting, and my wife and I acted upon it, well, opportunistically, I suppose you could say. It was right there in front of us and it seemed interesting. I had worked in architecture after getting my architecture degree and then did business as Imagimark! Productions for about 12 years before the Toucan opportunity came along. It seemed a different way to pursue something creative. A storefront on Montana Avenue.

I had worked for Sandy Fischer’s firm Fischer and Associates, who many will remember as being instrumental to the revitalization of Montana Avenue and of downtown in general.

Five minutes with Mark Sanderson Photo by JAMES WOODCOCK

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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

July Business After Hours

N EXT G EN WILL HELP YOUNG

September Business After

Wednesday, July 9 Hours First Interstate Bank Shiloh and King, Wednesday, Sept. 10 5-7 pm. Cost is $8.

Altana Federal Credit Union, 32nd Street West and Central Avenue, 5-7 p.m. Cost August Business After Hours is $8.

Wednesday, Aug. 13 ZooMontana, 2100 Shiloh Rd.,5-7 pm. Cost is $8.

PROFESSIONALS CONNECT ... this generation emerged full of potential but not necessarily interested in their father’s Chamber of Commerce.

Jennifer Reiser Jennifer Reiser is operations manager of the Billings Chamber of Commerce Convention and Visitors Bureau.

BILLINGSbusiness

According to demographic studies by the Harvard Business Review and Forbes, members of the millennial generation currently account for nearly half of all the employees in the world.

Half. You most likely work with several people who fall into this demographic (people born between 1977 and 1997) and are probably noticing many emerging as leaders in our community.

The Chamber sees it, too, and we’re asking the questions many of you are: If you’re not a millennial, how are you embracing this work force and building your workplace culture around it?

If you are a millennial, how do you find your place in today’s work force and develop the leadership skills you need to advance both your company and your own passions?

As the Chamber conducted its self examination over the past year, this generation emerged full of potential but not necessarily interested in their father’s Chamber of Commerce.

Those demographic studies I mentioned note that millennials view work simply as part of their life, not separate from the rest of their life. They want to be fulfilled by what they do, make friends and continue to develop and find success both monetarily and through personal satisfaction. We started asking ourselves how to serve this group of individuals, foster relationships with them and change the way they see the Chamber.

We went straight to the source and thus, NextGen was born.

The NextGen network exists to foster relationships among young professionals, develop business opportunities, support civic involvement and promote an overall investment in the future of our community. The group’s mission is to connect, enhance and inspire Billings’ young professionals to make a positive difference within the community. Through development, attraction and retention, NextGen seeks to accelerate the influence of diverse emerging leaders, leading to positive community growth.

To simplify, the group will bring young professionals age 21-39 together as a separate entity under the Billings Chamber of Commerce. The group will establish its own objectives, priorities and structure and work closely with the Chamber to connect millennials to other Chamber members and initiatives.

With an official start date of July 1, the group established several objectives for its first year:  To provide strong leadership to our organization and community;  To attract, retain and develop young talent by showcasing the city of Billings as a dynamic community;  To create an environment where young professionals can meet, network, partner and unite;

 To encourage and empower young professionals to make a difference by becoming active participants in the professional, civic and philanthropic aspects of Billings;  To embrace diversity where each participant is appreciated, supported and recognized based on the person’s own merit, accomplishments and involvement in the organization.

The group already has an active base of more than 50

impressive young professional leaders eager to establish the group as a force in Billings to be respected, valued and looked toward for leadership and change.

Young professionals who join the group will find an avenue for carving out their own place as a professional in Billings, to find camaraderie and to develop leadership skills while being connected to and encouraged by a Five-Star Accredited Chamber of Commerce.

Look for this group in the coming year to begin mentoring college students nearing graduation, to provide leadership development training, business panels and educational seminars, as well as to offer networking opportunities and the chance to be mentored by a seasoned professional.

To learn more about the group or get involved call Jennifer Reiser at 406-245-4111.

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July 2014

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SPECIAL REPORT: AGRICULTURE TRENDS, FORECASTS & PEOPLE BEHIND THE SCENES

Resilient crop Pinto beans are cleaned, sorted and graded at the Yellowstone Bean Company facility based in Bridger. April 12, 2011.

Bean crop escaped damage in May hail onslaught

Photo by LARRY MAYER

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BILLINGSbusiness

AGRICULTURE BY THE NUMBERS SPONSORED BY

www.shiptonsbigr.com North Dakota is the nation’s top bean producing state.

Pinto beans are the most popular variety, followed in order by navy beans, great northern, red kidney and black beans.

American farmers plant 1.8 million to 2 million acres of dry beans each year.

Photo by LARRY MAYER Pinto beans are cleaned, sorted and graded at the Yellowstone Bean Company facility based in Bridger. April 12, 2011.

BY TOM HOWARD IT DIDN’T TAKE INSURANCE ADJUSTERS LONG TO TALLY MILLIONS OF DOLLARS IN HAIL DAMAGE TO ROOFS, SIDING, WINDOWS AND AUTOMOBILES IN THE BILLINGS AREA AFTER THE MAY 18 HAIL STORM. Assessing hail damage to area crops has taken a little longer to quantify. Sugar beets, wheat and corn suffered when hail the size of golf balls pounded southeastern Montana. While crops suffered setbacks, some of the acreage didn’t require replanting. Agriculture experts estimated that the storm damaged about 3,000 acres of sugar beets, or some 12 percent of the acreage destined for the Billings sugar plant, between Billings and Hardin.

But in farming, timing can spell the difference between success and disaster, especially where weather is concerned.

Bean farmers in southeastern Montana dodged a bullet, and millions of hailstones, during the May storm.

“The good news was that the bean crop hadn’t come up yet,” said Thor Lindshield, crop adviser for Yellowstone Bean Co., which operates bean elevators in Bridger and Terry, as well as a plant in Manderson, Wyo. YellowBILLINGSbusiness

On average, each American eats 7.5 pounds of beans per year.

The United States exports about 20 percent of its bean crop each year.

Source: U.S. Department of Agriculture and the United States Dry Bean Council

stone Bean Co. is a wholly owned subsidiary of Russell E. Womack Inc., a food processor based in Lubbock, Texas.

The Bridger plant employs 11 people.

Lindshield said Yellowstone Bean Co. prides itself in providing a premium product.

“The bright white color of our pinto beans is what people like to see on the shelf,” he said.

According to the United States Dry Bean Council, each American eats about 7.5 pounds of beans per year. Pinto beans, which are used frequently in Mexican food, are the most popular variety, followed by navy beans and great northerns.

Increasingly, nutritionists are promoting beans as a health food. The bean council reports that a diet rich in beans helps people control their blood pressure.

Much of Yellowstone Bean Co.’s production ends up being sold at the world’s largest retailer, Wal-Mart, under July 2014

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SPECIAL REPORT: AGRICULTURE TRENDS, FORECASTS & PEOPLE BEHIND THE SCENES

“The bright white color of our pinto beans is what people like to see on the shelf.”

— Thor Lindshield crop adviser for Yellowstone Bean Co.

Photos by LARRY MAYER A 50 pound bag of premium beans are among products produced in Bridger. Pinto beans are cleaned, sorted and graded at the Yellowstone Bean Company facility based in Bridger.

the Casserole brand.

Pinto beans aren’t the only legume being raised in Montana. Three years

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ago, farmers began shipping black beans to Yellowstone Bean Co.’s Terry facility.

In recent years Montana farmers have

been planting more lentils as a cash crop and to build soil fertility without artificial fertilizer.

Any farmer worth his salt plans out his crops based on what will make the most money.

The drought that gripped the Midwest in 2012 sent corn prices soaring.

But more favorable weather and a better crop in 2013 caused corn prices to tumble by 33 percent over the past

12 months.

“When corn prices go down, you see more beans going in. The price of corn is often a deciding factor in how many acres (of beans) are planted,” Lindshield said.

Beans also play an essential role in crop rotation. Because they are legumes, they fix nitrogen into the soil, reducing the need for nitrogen fertilizer to grow other cops like corn and barley.

BILLINGSbusiness

STRATEGIES for success

F or many business owners , leasing makes more sense Interestingly, many food truck owners elect to purchase their food truck.

When the business is not successful, they end up with a truck which has a significant balance owing.

Joe Michels Joe Michels, PhD, P.E., C.P.I., is principal of Solomon Bruce Consulting LLC. Contact him at 406-672-6387 or at www. solomonbruce.com.

Billingsbusiness

A new client who was in the restaurant business decided to run a food truck after his restaurant closed due to road construction.

The client is a millennialgeneration businessman who is also an Army veteran of Iraq and Afghanistan. His initial restaurant had excellent food and outstanding service.

However, road construction prevented traffic from reaching his location, and his restaurant closed. But with lots of enthusiasm and little money, he elected to run a food truck.

This client did all of the due diligence that we suggested. He is very analytical and knows his costs down to the penny. He has virtually no waste and prices at a point that is competitive and fair to everyone.

Food trucks all suited for food operation are priced in the range of $125,000 to $175,000. This is a truck that is designed specifically for food service, not a refurbished bread truck or an old UPS truck. The client called and wanted to visit about expansion opportunities. His business has been in operation less than a year, but has exceeded profit and sales projections each month since opening.

We were very happy with that news. However, we had helped ensure that all of his projections were very conservative.

Among our suggestions, we advised him to lease the food truck.

We provided several reasons for leasing. There are some significant accounting advantages from a financial standpoint, but more importantly, a leased vehicle with a full maintenance contract ensures and allows for any maintenance problems to be repaired by the lease holder.

The truck that our client leases is 16 years old. It has a lot of miles and has had significant repairs. But because his leaseholder completes all ongoing maintenance, our client doesn’t have to worry

about breakdowns.

Interestingly, many food truck owners elect to purchase their food truck. When the business is not successful, they end up with a truck which has a significant balance owing. That big debt then causes many owners to file for bankruptcy.

Our client was very happy with his decision to lease, knowing that his fixed-lease cost is incorporated into his monthly financial projections.

Leasing for large capital equipment expenses makes great sense in many cases.

However, to be sure that it makes sense for your business case, you should consult your accountant or business consultant. Each business opportunity is different — although they may look similar.

So, it is important to have a business consultant as well as an accountant review your financial records to ensure that leasing is the right answer for your situation.

Another advantage of leasing large capital equipment is obsolescence. These days, equipment becomes outdated

and obsolete in a short time.

Leasing provides a way in which to maintain equipment which is current, state of the art and capable of new trends in your industry.

Before making any significant expense, make sure that you do your due diligence.

Develop several spreadsheets to compare both the purchase and lease decisions. Depending upon the equipment, the use and the industry, you will be able to determine if leasing or purchasing is a better financial decision for your business.

July 2014

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KOA rolls out first nationwide TV campaign

Photo by LARRY MAYER Billings-based Kampgrounds of America has rolled out the first national television campaign in its 52-year history, hoping to capitalize on a rebound in the popularity of recreational vehicles.

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Billingsbusiness

By BILLINGS BUSINESS Billings-based Kampgrounds of America has rolled out the first national television campaign in its 52-year history, hoping to capitalize on a rebound in the popularity of recreational vehicles.

KOA’s TV spot introduces the slogan, “What’s behind the Yellow Sign?” to familiarize viewers with KOA’s bright yellow logo, which is adorned with a red and black teepee. Market research shows that 95 percent of respondents recognized the logo, although some didn’t know that KOA stands for Kampgrounds of America, according to a New York Times story.

Last year, KOA began the process of marketing its properties as either Journey, campgrounds that are convenient stops for one-night stays for campers on their way somewhere; Holiday, which are destination oriented; and Resort, which have upscale features like saunas and hot tubs, restaurants, and group meeting spaces for gatherings like family reunions.

KOA’s TV push comes at a time when sales of recreational vehicles have recovered to pre-re-

DARNIELLE INSURANCE AGENCY

cession levels. In 2006, 390,500 RVs were sold, according to the Recreational Vehicle Industry Association. Sales tumbled to 165,000 units in 2009, but rebounded to 321,000 units last year.

Although RV owners are KOA’s bread and butter, the company is also busy developing deluxe cabins in many of its campgrounds.

KOA’s TV campaign will appear on the Great American Country Network in the United States and on Country Music Television in Canada.

Market research shows that KOA’s customers are 27 percent more likely to listen to county music, according to the Times.

KOA started in Billings in 1962. Today there are 485 locations in North America, with franchisees owning all but 28, which are companyowned. Oscar L. Tang, a New York philanthropist and financier, owns KOA.

1320 28th Street West Billings, MT 59101 call us: (406) 652-4180 visit us online: darnielle.com

Photo by LARRY MAYER Cabins are among features at the national’s first KOA campground in Billings.

Our Business is to Improve Your Business We always do what’s best for you and your business with low cost loans, convenient checking and savings options.

Darnielle Insurance invites you to follow guest blogger Dennis P.

Managing Your

Gambill, Insurance Litigation Consultant, as he explores the

Insurance Moves

Gambill’s professional career includes property/casualty

Jason Hagadone, Business Lending Manager 406-651-2315 • jhagadone@altanafcu.org

area of risk management and the role insurance plays. underwriter, insurance agent, and adjunct professor at Eastern Montana College teaching risk and insurance courses.

altanafcu.org 406.651.AFCU (2328)

TM

Read More at darnielle.com Billingsbusiness

July 2014

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Yf

YOUR finances

Y es , S ocial S ecurity benefits can be subject to taxation With people living longer, quality of life issues are becoming more of a concern for many.

Shelly Gams Michelle “Shelly” Gams is a financial adviser with Eagle Strategies LLC, a registered investment adviser and a registered representative of NYLIFE Securities LLC (member FINRA/SIPC), a licensed insurance agency. Retirement Solutions is not owned or operated by Eagle Strategies LLC or its affiliates. Neither Retirement Solutions nor Gams, provides tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions.

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Q: I am 68 years old and just recently retired from my company after 33 years.

My wife and I applied for Social Security benefits. I was shocked to find out that my Social Security may be taxable. Is that true? Can my Social Security benefits be taxed for income tax purposes? John — Billings A: Many people are indeed surprised to learn their Social Security benefits may be taxable depending on their current income. This usually happens if you have other substantial income, such as wages, self-employment, interest, dividends and other taxable income that must be reported on your tax return in addition to your Social Security benefits. The higher the income, the more taxes paid on benefits. In fact, a large amount of one’s Social Security is taxable income.

For example: if you and your spouse file a joint return with a total combined income below $32,000, your benefits will not be taxed.

However, for combined income between $32,000 and $44,000, up to 50 percent of your Social Security benefits may be taxable, and up to 85 percent if combined income

is more than $44,000.

If you file as a single taxpayer and your income falls below $25,000, your Social Security benefits won’t be taxed at all. If your combined income is between $25,000 and $34,000, up to 50 percent of your benefits may be subject to federal income tax. If your combined income is more than $34,000, up to 85 percent of your benefits may be considered taxable income.

Combined income in both of these examples refers to your adjusted gross income plus nontaxable interest, plus one-half of your Social

estate will be transferred.

This may or may not follow your inheritance wishes you would choose for your family or intended beneficiaries, and could subject your loved ones to federal estate taxes if your total estate exceeds the federal estate tax exemption amount.

With people living longer, quality of life issues are becoming more of a concern for many. A living will makes your wishes known if you are unable to make those decisions due to physical or mental deterioration. Those decisions may include instructions as to prolonging Security benefits. Individu- can be detrimental to your life through medical treatals who plan to start taking estate or intended heirs. A ments, such as the inclusion Social Security benefits properly structured estate of a “do not resuscitate” should check out the infor- plan helps ensure that your order. mation on the website of So- financial goals are addressed Finally, a Durable General cial Security Administration even if you were to become Power of Attorney allows at http://www.ssa.gov/. incapacitated and even after a person or organization to Q: Recently, I attended a you’ve passed on. appoint another person to party with a bunch of friends What do I mean by an es- handle affairs while you are and they told me I needed an tate plan? It should include unavailable or unable to do estate plan. I am 55-year-old documents such as a will so. The affairs can include single woman with no kids. or trust, as well as a living financial as well as health My estate is very modest, so will and Durable Power of care decisions. why do I need to have a will? Attorney for health care and Those with questions can Stephanie — Sheridan financial matters. A will or a contact Michelle “Shelly” A: Great question. trust generally directs how Gams, CFP at Retirement Regardless of your level of you want your assets disSolutions, 176 S. 32nd St. wealth, marriage or famtributed upon your death. If W., Suite 3, Billings, or ily status, the failure to you die without a will/trust, mgams@retire-solutions. establish an estate plan state laws dictate how your com.

Billingsbusiness

SALES moves

P ositive , well planned thinking leads to better outcomes

Your thinking becomes your actions. And it’s those dedicated, well-planned, and directed actions that lead to your outcomes.

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

Billingsbusiness

“Thoughts are things” is the title and the first words of the first chapter of the book.

When I first read those words, I didn’t really understand what they meant — even when I read the first chapter and the examples offered in Napoleon Hill’s classic “Think and Grow Rich.” It didn’t resonate until I got to the end of the chapter and read, “Whatever the mind of man can conceive, and believe, it can achieve.” Then I started to get it. That was 1972.

By coincidence, it was only a few days later that I heard the late, great Earl Nightingale say, “You become what you think about.”

At that moment, I got it. It clicked. And it has clicked ever since.

More reading and studying about thinking and the thought process revealed that neither Hill nor Nightingale had the original thought.

From Socrates to Samuel Smiles, to Orison Swett Marden, to Elbert Hubbard, to Dale Carnegie, to Napoleon Hill, to Earl Nightingale, to Jim Rohn — they all had their own way of saying the same thing.

Your thinking becomes your actions. And it’s those dedicated, well-planned, and directed actions that lead to your outcomes. Your

reality. Better stated, your success.

All of these legendary scholars can’t be wrong.

All of them told me in their writings — the same way I’m telling you — that positive thought leads to positive actions and positive results, if the aim and the purpose are passionately believed.

Orison Swett Marden’s book, “He Who Thinks He Can,” written in 1908, says it in the title. It’s plain as day right on the cover of his book. It was Marden, by the way, who founded Success Magazine in 1888.

Hill’s title, “Think and Grow Rich,” tells you first you need to think. Your thinking will affect your belief, your belief will help you create your major purpose, your major purpose will clarify your directed actions, and your actions, combined with your desire, your dedication, and your determination will determine your wealth.

First think, then grow rich.

Got it? Sure you do.

Getting it, that’s the easy part. First you get it, you understand it then you agree with it. Easy so far. Then the harder part, you have to believe you can do it. You have to think you can. Finally, the hardest part is you have to be willing to do it. That’s

chapter one. Read it lately?

The rest of “Think And Grow Rich” contains the ideas, the definitions and the clarifications that provide the answers. Hill describes it as the roadmap to riches.

I’m telling you, it’s the most important success thinking you’ll ever be exposed to — as long as you repeat it until it becomes your reality.

But I have to stop here and clarify the book. “Think and Grow Rich,” and Hill’s writing, are not written in today’s language. There are no references to computers, email, the Web, Facebook, social media, credit cards or even television. None of those things existed when Hill penned this classic self-help book. Yet somehow the book has managed

to sell more than 100 million copies in the past seven decades.

To receive all the wealth in the book, you have to get over the fact that “Think and Grow Rich” was written 70 years ago. As a country, we were fresh out of the Depression and the stock market crash of 1929. World War II was in full swing, the mood of the country was nervous, and Napoleon Hill — and his colleague Dale Carnegie — were screaming, “Make friends, be positive, believe in yourself, be influential, develop a goal and a plan, articulate yourself clearly, dedicate yourself to excellence, take directed action, and encourage others to do the same.”

Pretty cool, eh?

These books aren’t 70 years old. Rather, they were 70 years ahead of their time.

Maybe that’s why Hill’s “Think and Grow Rich” and Carnegie’s “How to Win Friends and Influence People” have been on bestseller lists for 70 years.

The first chapter ends the same way it began. With one sentence of immortal wisdom: “Whatever the mind of man can conceive, and believe, it can achieve.”

I’m sharing this information today in the hopes you will read or re-read this timeless classic. Rededicate yourself to your best thinking (first), so you can do your best for others (second).

That’s the secret. Please tell everyone.

July 2014

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Prudential Floberg Realtors changes name after Berkshire Hathaway acquisition

BY TOM HOWARD P RUDENTIAL F LOBERG R EALTORS , ONE OF B ILLINGS ’ OLDEST AND LARGEST REAL ESTATE FIRMS , IS GETTING A NEW NAME THAT ’ S ASSOCIATED WITH BILLIONAIRE INVESTOR W ARREN B UFFETT .

Prudential Floberg Realtors, which traces its roots back to 1959, will become Berkshire Hathaway Home Services Floberg Real Estate starting July 1.

Marilyn Floberg, whose husband, Don, founded the company, said some people questioned the idea when the company decided to associate with Prudential in 1990.

“There were other franchises in town, and a lot of people asked why we wanted to do that because we were already at the top of the market,” she said.

“At the time, we explained that (joining Prudential) would better prepare us for the future,” because of how quickly real estate was changing, Floberg said. “It was a good move.”

As part of the transition, management polled Prudential Floberg’s agents, and nearly 100 percent supported the move to Berkshire Hathaway, Floberg said.

The Buffett-owned Berkshire Hathaway bought Prudential two years ago, and Floberg is the first Montana firm to make the switch, managing partner Linda Parker said.

“It’s a very well-respected company, well-known.

Not everybody has heard of Berkshire Hathaway, but they have heard of Warren Buffett,” Parker said.

Jase Norsworthy said he and other Prudential Floberg agents have received training and a checklist of tasks that should be accomplished in

Photo by BOB ZELLAR Prudential Floberg Realtors Managing Partner Linda Parker and a sign the company will use after they switch to Berkshire Hathaway Home Services Floberg Real Estate in July. The company is located at 1550 Poly Drive in Billings.

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BILLINGSbusiness

order to smooth the transition. Real estate signs, business cards and email signatures must all be altered to reflect the new name, Norsworthy said.

The highly recognizable blue Prudential signs in town will be replaced by Berkshire Hathaway’s maroon-andwhite signs.

Earl Lee, president and chief executive of Prudential Real Estate Berkshire Hathaway Home Services, is expected to make an appearance in Billings at a kickoff event July 1.

Floberg Companies was founded as a one-man office

by Don Floberg in 1959 and became affiliated with Prudential three decades later, in 1990. Don and Marilyn Floberg remain partners in the business. Mike Oliver is the fourth partner.

“It’s a very well-respected company, well-known. Not everybody has heard of Berkshire Hathaway, but they have heard of Warren Buffett.”

— Linda Parker managing partner

Parker said the firm’s 60 agents are excited about the change, which will give them access to more market statistics for clients and greater national exposure. Besides the name change, daily operations and management should remain the same.

Floberg’s main office is on Poly Drive in Billings.

Buffett’s Berkshire Hathaway bought Prudential in 2012 from Brookfield Asset Management, a Toronto-based

capital firm that specializes in turning around struggling companies. Analysts said the vote of confidence from Buffett, known as the “Oracle of Omaha,” was a good sign for the recovering national real estate industry.

In Billings, Parker said the market is heating up just in time for the switch to Berskhire Hathaway.

“The weather has shaped up, and we’re very busy,” she said.

Make the connection connect to the world while you save time, travel, and money.

Vision Net has been a leader in video conferencing throughout Montana since 1995. Thanks to our state-of-the-art solutions, universities, K-12 schools, the legal community, and private industry have made important connections all over the world without ever having to leave town. You can rent a studio, own your own fully integrated system or get mobile or desktop conferencing as a service. And if you don’t have enough tech support in house, you can try our Managed Video Services and let us take care of it for you.

What’s your vision? www.vision.net | 1-866-334-8638 | sales@vision.net

Hello, neighbor.

Berkshire Hathaway HomeServices is here and that’s great news for you. Our new name comes with years of experience from leading real estate affiliates nationwide.

It brings stability and it offers you the confidence you need when buying or selling a home. Good to know.™

Floberg Real Estate

© 2014 BHH Affiliates, LLC. Berkshire Hathaway HomeServices brokerage services are offered through the network member franchisees of BHH Affiliates, LLC. Most franchisees are independently owned and operated. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America®, Inc. Prudential Real Estate brokerage services are offered through the independently owned and operated network of broker member franchisees of BRER Affiliates LLC. Prudential, the Prudential logo and the Rock symbol are registered service marks of Prudential Financial, Inc. and its related entities, used under license with no other affiliation with Prudential. Information not verified or guaranteed. If your home is currently listed with a Broker, this is not intended as a solicitation. Equal Housing Opportunity.

Billingsbusiness

406.254.1550 | floberg.com | 1550 Poly Drive, Billings, MT 59102 July 2014

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BETTER business

N igerian scam artists finding new ways to trick retailers Currently the scam is focusing on schools and other public organizations.

It isn’t too hard to imagine it jumping to private businesses and organizations with the use of hacking techniques to gain access to purchasing information.

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.

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For retail businesses, the relationship formed with other businesses, organizations and schools can be beneficial.

Purchases may only occur one or two times per year, but they are usually large orders to fulfill the needs of multiple employees. If you are in retail, then you know that cultivating business and organization accounts is crucial to retaining that business. You may have special discounts in place just for these types of customers who purchase in bulk. You have most likely informed your staff that your relationship with certain accounts, such as schools, is important to your company’s success. Knowing this, employees are prepared to accommodate.

It may be hard to believe that someone would attempt to take advantage of this situation, but Nigerian criminal organizations are doing just that by defrauding retailers of tens to hundreds of thousands of dollars in goods.

The first step occurs when the scammer, posing as a school official, contacts a retail store that has conducted prior business with the school to obtain “lost” information about the account. The scammers are usually able to obtain partial account information from online public records about the school’s previous purchases. They then use that information and social engineering techniques to convince employees of

retail establishments to reveal otherwise secure information about the account.

In the next step, the scammers use that account information to place a large order, which can include expensive equipment and supplies, like laptops and printer ink.

The next part of the scam can occur in one of two ways: the items are shipped directly to the school or to an offsite, third-party location. In both instances, the criminal organization behind the scam usually involves an unwitting third-party individual, who thinks she is simply working from home for a legitimate organization.

If the order is shipped to the school, then the thirdparty individual contacts the school and tells them that the order was sent accidentally.

She then provides the thirdparty address for returning the shipment. In other cases, the retailer is often convinced by the scammer that the order needs to be shipped to an off-site location. They usually give convincing excuses for the alternate shipping address, such as school construction and lack of security during the summer months. From the third-party location the goods are shipped overseas, never to be seen again.

Currently this scam is focusing on schools and other public organizations. It isn’t too hard to imagine it jumping to private businesses and orga-

nizations with the use of hacking techniques to gain access to purchasing information.

Either way the result is that if you or your employees happen to be taken in by such a scam, you would be stuck absorbing the loss. To prevent this from happening, the Better Business Bureau recommends the following best practices: Verify all large orders.

Follow up on the order with a confirmatory phone call.

However, don’t call the number provided on the order form or email. Use the phone number on the account or found through an independent search for the business or organization’s contact information.

Maintain and train your

employees on policies about sharing information. Use policies that make sense and create a process that all employees can follow. By adhering to policies on when to share secure information, your employees can prevent large losses due to fraud.

Before you put any information online, ask yourself if it needs to be there. Posting information on your website about personnel and purchasing accounts only makes the scammer’s job easier. Many public schools are guilty of this due to the transparency being a publicly funded entity requires.

Consider regularly discussing scams at employee meetings. It is important to train your staff that not all

scams look like scams. This con is fairly sophisticated. The usual signs of a scam, which include poor English in emails and unfamiliar area codes from callers, may not always apply.

By using caller ID spoofing technology and unwitting, local, third-party individuals, scammers can create a fairly convincing fraudulent scheme.

Great customer service, quality goods and volume discounts are important to retail customers and to a retail business’ success. Equally important is creating a reliable system to prevent fraud and loss. Training and education about keeping customer accounts secure and confirming large or unusual orders are two important topics to add to your loss prevention strategy.

Billingsbusiness

Sanderson Stewart acquires Bozeman environmental services firm

By TOM HOWARD Sanderson Stewart, a regional engineering, planning and community development services firm, has expanded its services with the acquisition of

Hyalite Environmental

LLP, a Bozeman-based environmental science and engineering firm.

Michael Sanderson, president and chief executive of Sanderson Stewart, said Hyalite represents a good fit for his company, which has experienced steady growth in recent years.

The terms of the acquisition weren’t released.

“We have a transportation group, a land development group and different service groups. We’ve always outsourced environmental work in the past, and we’ve done a lot of

work with Hyalite,” Sanderson said.

Chris Thelen, senior environmental engineer, and Carol Lee-Roark, senior environmental scientist, will work out of Roark Sanderson Stewart’s Bozeman office.

Thelen has more than 25 years of experience in environmental engineering, with expertise in waThelen ter quality, wetland assessments and mitigation, hazardous materials

and regulatory compliance.

She will lead the efforts on wetland issues, erosion control, environmental permitting, watershed planning and other projects where land use planning interfaces with natural resource management. She holds a bachelor’s degree in civil engineering from Montana State University and a master’s degree in environmental engineering from Washington State University.

Roark has more than 30 years of experience in

environmental science and geology. Her background includes exploration geology, modeling, hazardous materials, botany and biochemistry, with extensive experience in information science, data analysis and interpretation, and preparing compliance documents and reports. She will take the lead on hazardous materials projects, site characterizations, compliance with the National

Environmental Protection Act and general scientific investigations. She is a professional geologist and holds a doctorate from Cornell University.

Because environmental issues crop up frequently on projects that Sanderson Stewart works on, it made sense to merge with an environmental consulting firm to deal with wetlands mitigation, hazardous materials and other issues,

Sanderson said.

“Environmental permitting is part of virtually every project we work on, and the new environmental group will provide expertise to mitigate clients’ environmental risks,” Sanderson said.

Sanderson Stewart has Montana offices in Billings, Bozeman and Plains, as well as offices in Denver and Williston, N.D.

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Olcott Chapel Red Lodge 446-1121

July 2014

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TRAVEL &leisure

W omen face special issues when traveling While most women travelers are aware of such travel hazards as robbery and hotel security, many don’t realize the potential risks of not adequately researching their destination.

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

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Now more than ever, women are striking out and traveling by themselves both for business and pleasure.

And, although their reasons for traveling are similar to their male counterparts, women traveling alone have very different needs and concerns. From safety issues to cultural variations, women travelers encounter a variety of difficulties that can be avoided if the necessary precautions are taken.

While it pays for both men and women to be educated travelers, it is especially imperative for women to plan every step of their trip — from packing a suitcase to choosing a hotel room.

Learning what to expect is the first step in preparing yourself for anything that could go wrong.

One of the initial steps to planning a safe and pleasant trip is learning as much as possible about your destination before you go.

While most women travelers are aware of such travel hazards as robbery and hotel security, many don’t realize the potential risks of not adequately researching their destination. When caught in the bustle of planning a trip, it is easy for women travelers

to forget that they can be directly impacted by a region’s religious and societal beliefs.

In fact, women might find themselves having to adapt their dress and demeanor to the customs of the country they are visiting.

Another consideration for women, especially those traveling alone, is lodging.

For example, smaller hotels are often safest since the staff are more familiar with guests and are able to more effectively monitor who enters and exits the building.

When requesting a room, keep in mind that groundfloor rooms are more sus-

ceptible to break-ins than are higher floors. Ask for a room near the elevators but away from emergency exits, stairwells and any renovation work.

When it comes to packing, it’s absolutely essential to make at least two copies of important travel and identification documents.

Leave one back-up copy in your suitcase and the other with a family member or friend at home. Also include the address and telephone number of the U.S. embassy and consulate for each country on your itinerary in case you experience any

carry an extra supply and a copy of the prescription in carry-on luggage. The wise packer only brings necessities on trips.

Your trip will be more fulfilling if you try to meet with some of the locals.

Travelers will find that people all over the world are eager to share their unique experiences and cultures and hear all about yours. Before your trip, consider asking your travel agent or surf the Web for female networks around the world. When you arrive, check the phone directory under “women” or “travel,” or ask a concierge about local women’s difficulties. Carry only one groups. From crafts groups credit card, and don’t keep all your money in one place. to women’s entrepreneurial organizations, you’d be surAnd when it comes to lugprised what you might find. gage tags, use covered tags and write your office address Also keep an eye open for female tour groups or tour rather than your home.

Remember to always lock all guides who could really offer some inside information suitcases and if you make a about what the area has to lot of purchases, consider having your luggage shrink- offer. If you are traveling for pleasure and are uncomfortwrapped. able about hitting the road Plan to bring a fanny on your own, ask your travel pack or tote bag for short agent about special tours trips, or if you must carry for women. An increasing a purse, take one that has number of companies offer thick shoulder straps and organized tours geared to zippered compartments. If women of all different ages you’ll be carrying medication on your trip, it’s best to and interests.

Billingsbusiness

Tops in the nation Sanderson Stewart receives national award

By BILLINGS BUSINESS B illings - based engineering firm S anderson S tewart was named the U.S. C hamber of C ommerce S mall B usiness of the Y ear on J une 12 in W ashington , D.C. Sanderson Stewart, which does civil engineering, land surveying and land development, was one of seven nominees up for the award. It’s the only Montana business to receive the honor from the U.S. Chamber, according to John Brewer, CEO of the Billings Chamber of Commerce.

Michael Sanderson, chief executive of Sanderson Stewart, called the experience “overwhelming,” especially while watching mini-documentaries during the ceremony about all of the finalists.

“I’m sitting here thinking to myself, ‘Which of these other companies is the winner?’ Because they’re all pretty impressive. When you’re in that company, it’s an honor,” Sanderson said in a phone interview from Washington, D.C.

In addition to the recogni- Colorado. This month, the Environmental, adding to its tion, the firm will receive a firm announced it was buyenvironmental consulting $10,000 cash prize. The win- ing Bozeman-based Hyalite services. ners received a large facsimile of a check when they were announced as winners. Sanderson said he had no speech Let us Shuttle you to the Airport! prepared.

WE WILL: Sanderson Stewart was nominated by the Billings • Completely Detail Your Vehicle Chamber of Commerce based (inside & out) on its business practices, strategic planning, employee de• Perform a 16 Point Safety velopment, customer service and community involvement, Inspection Sanderson said.

• Take Out Those Dents & Dings The firm has worked on dozens of projects in the area, most notably the Shiloh Crossing and new Scheel’s sporting goods developments They Finally in Billings’ West End. Heard Me Sanderson Stewart was incorporated in 1969 and Bryan John Matthew has grown to 70 employees 315 N. 15th St, Billings, MT in six cities in Montana, 406-259-6328 North Dakota, Idaho and www.bigskycol.com

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North Dakota oil production eclipses 1M barrels per day

Photo by Gregory Bull A worker hangs from an oil derrick outside of Williston, N.D. Data show that North Dakota is now producing a million barrels of oil a day.

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Billingsbusiness

By

the Associated Press

N orth D akota has joined the ranks of the few places in the world that produce more than a million barrels of oil per day , due in large part to

B akken shale formation in the western part of the state . the rich

The April figures released recently by the state’s Department of Mineral Resources showed the record tally. North Dakota had flirted with the million-barrel-per-day mark for months, but the harsh winter slowed the pace. In March, production had hit 977,000 barrels per day.

North Dakota’s oil fields now represent more than 12 percent of all U.S. oil production, and more than 1 percent of global production — a situation unfathomable just a decade ago, when technology hadn’t yet caught up to the challenge of extracting oil from the shale.

Since then, the oil boom and the jobs it brings have transformed North Dakota, now home to the nation’s fastestgrowing cities and its lowest unemployment rate.

“Reaching the 1 million barrel a day mark is a tremendous and timely milestone for the petroleum industry and our state, but it is also a tremendous milestone for our nation,” U.S. Sen. John Hoeven, a Republican, said in a statement, citing the need for the United States to build its domestic energy resources.

North Dakota joins Texas, Alaska, California and Louisiana as the only states ever to produce more than a million barrels per day. Of those, Texas Billingsbusiness

is the only other state still producing above that level.

“Until April, only Texas, one Canadian province and 19 countries were producing 1 million barrels per day, putting North Dakota among the top oil producers in the entire world,” said Ron Ness, president of the North Dakota Petroleum Council, an oil lobbying group.

The state’s production is still dwarfed by behemoths such as Saudi Arabia, the world’s largest producer with nearly 10 million barrels of oil per day.

But North Dakota’s ascent has been rapid. Whereas eastern Saudi Arabia’s Ghawar field, the top-producing oil field in the world with 5 million barrels a day, has been operational since 1951, North Dakota’s oil fields have surged from producing 80,000 to 90,000 barrels per day a decade ago.

The Bakken and the Three Forks formation below it, which also stretch into Montana and Canada’s Saskatchewan province, account for the vast majority of North Dakota’s oil production.

Oil was first struck in western North Dakota in 1951 near the town of Tioga, but for decades, the area confounded oil producers, giving up trickles while promising potentially

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enormous gains. After a smaller oil boom went bust in the 1980s, many gave up on the state as a big oil producer. At one point in 1999, no drilling rigs remained in the state.

But just over half a decade ago, advances in directional drilling and hydraulic fracturing finally unlocked the oil packed into the Bakken shale formation.

Now “North Dakota could be an OPEC country of its own in terms of production — it’s essentially the production of Ecuador,” said James Fallon, director of downstream energy at global information firm IHS. Together with Texas’ Permian Basin and Eagle Ford oil plays, North Dakota’s production has played a pivotal role in turning U.S. production around in the past few years after more than 30 years of decline and cutting down on petroleum imports he added. Fallon said it is likely that because of these oil plays, the U.S. will surpass its 1970 production high of 9.64 million barrels per day within the next

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I July 2014

LARRY MAYER/Gazette Staff Gas flares as rail cars are loaded with Bakken oil at the transloading facility at Dore, N.D., in January 2014.

year and a half.

Lynn Helms, director of the Department of Mineral Resources’ Oil and Gas Division, said he expects North

Dakota production to grow to 1.5 million barrels per day by 2017 before plateauing.

Besides the influx of jobs, high salaries have skewed the

economy of the oil patch, with one-bedroom apartments renting for $2,000 a month.

Police departments, health care services, schools, roads

and other public services and infrastructure have struggled to keep up with the growth in the western part of the state.

Despite the trials that oil

development has brought, the boom has largely been welcomed at a time when jobs can be hard to come by elsewhere in the country.

Billingsbusiness

special advertising section

Billingsbusiness

July 2014

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special advertising section

Brewer Dental Orthodontic & Pediatric Center Constantly improving & growing to enhanCe patient Care

By Brenda Maas • Photos By James Woodcock

Dr. Kevin Brewer, of Brewer Dental Center in Billings, is a life-long learner. He strongly believes in exploring ways to constantly improve himself, his staff and the practice. In fact, he often tells his colleagues,“Don’t get too comfortable, we are going to make changes, make things better.”

Dr. Brewer follows several motivational speakers, including the author of “Awaken the Giant Within,” Tony Robbins, whose philosophy resonates with Dr. Brewer. He practices CANI, which stands for Constant and Never-ending Improvement, within the dental practice.

Top: Brewer Dental Orthodontic & Pediatric Center opened at 2900 Central Ave., Building. #2, on May 12, complementing two existing Brewer Dental practices. Left: The exterior all three Brewer Dental Centers have a cohesive look, noted architect Frank Nienaber.

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Billingsbusiness

special advertising section

“...we are always trying to improve by asking ourselves,

‘what can we do better?

how can we

serve more patients and grow our business?’

short of expanding to other cities, the pediatric and orthodontic clinic is the next logical step.”

— dr. kevin brewer, brewer dental Below: Patients are warmly greeted upon entering Brewer Dental Orthodontic & Pediatric Center.

Most recently, that train of thought culminated with two new clinics to further serve Brewer Dental patients. Brewer Dental Orthodontic & Pediatric Center, at 2900 Central Ave., Bldg. 2, opened May 12 and will celebrate with a Grand Opening on July 17 (see next page for details).

“We have an annual meeting where we set goals, and we are always trying to improve by asking ourselves, ‘What can we do better? How can we serve more patients and grow our business?’” said Dr. Brewer. “Short of expanding to other cities, the pediatric and orthodontic clinic is the next logical step.”

Congratulations Brewer Orthodontic & Pediatric Center!

Growing, growing

Dr. Brewer started practicing dentistry in 1983, growing from five operatories (or dentists’ working areas) to nine in his practice at 2675 Central Avenue in Lamplighter Square. In 2009, Brewer Dental moved a few blocks west to a new, larger building at 2900 Central Ave. This move doubled the practice, with 19 operatories. In 2012, Brewer Dental Center expanded yet again, opening a second location at 710 Main St., to serve the Billings Heights neighborhoods.

“Each building takes about a year to plan, design and build—it’s pretty complex,” said Dr. Brewer. “The planning has to happen well in advance.”

Dr. Brewer also noted that repeating an identical design helps expedite the process.

“Things were easier, and a bit less expensive, by the time we got to the third building,” he said.

“They are each 6,400 square feet ‘boxes’ of similar design. But each time we tweak the plan a bit,

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July 2014

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Congratulations!

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making improvements.”

He pointed to creating bigger, better storage at the Heights location after realizing the limitations of the storage crawl-space at the Central Avenue location, for example.

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I July 2014

With 800 new patients each month between the two locations, Dr. Brewer knew he was serving a good portion of the community, but closer examination revealed that children and teens were not among the majority. Two years after the Heights location was built, the newest location, Brewer Dental Orthodontic & Pediatric Center, opened.

“I knew that we could do a better job of serving children,” he said. “Pediatrics naturally follows into orthodontia; the two are so interrelated. Across the country,

combo practices are being built and are successful.”

With its unique and diversified approach to dental care, every member of the family, from children to seniors, can be accommodated at Brewer Dental Center. In addition, their pediatric dentist specializes in keeping up-to-date with the latest education and technology that pertains to children and teens. For example, a pediatric anesthesiologist can usually help the pediatric patient on-site, rather than sending the child to the hospital for sedation, if the situation calls for it.

Take III

When it came to selecting a general contractor to build the new Orthodontic & Pediatric Center, Dr. Brewer did not deviate from his previous construction experience. He selected Jones Construction Billingsbusiness

special advertising section

Congratulations

from your friends at Yellowstone Bank

Brewer Dental Pediatric & Orthodontic Clinic Open House Thursday, July 17 from 1-3 p.m.

Tour the new facility and meet the doctors.

Plus: Bouncy house Petting zoo Face painting Carnival games DJ, prizes and grilled food Opposite page, top: The waiting room has ample seating and flat screen television sets. Opposite page, bottom: A sedation room is larger, with space for the patient, dentist, assistant, pediatric anesthesiologist and anesthesiologist monitor to work comfortably together. Top: The orthodontics bay, which is situated across the building from the pediatrics bay, is a near-mirror layout. Each of 12 operatories is separated by a “high-tech” acrylic and cable partition—one of Dr. Brewer’s favorite features. Above: The team room, which can be accessed from either the pediatric or the orthodontic areas, provides space for employee’s personal items, a break area, communications center, meeting room and training space with a large monitor for audio-visual presentations.

Billingsbusiness

Yellowstone Bank was proud to have provided the financing for the construction of the new Brewer Dental building.

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35

special advertising section for the job.

“Jones did all three buildings, in fact they even completed my last remodel at the Lamplighter Square location,” noted Dr. Brewer. “Of all the construction guys I’ve worked with, I had the most confidence in Jones. They are not the cheapest, but they match my personality; I would rather pay their fair fee and have it done right—it’s on time and on budget, or less.”

Dr. Brewer also turned to Frank Nienaber, owner and architect with Studio 4

Architects, who also worked on the previous two buildings.

“We designed the buildings around the doctors’ requirements and layout,” said Nienaber. “Although the buildings are essentially the same, and the exteriors have the same flavor, the work flow of both the business and the dental practice was a bit different.”

In a dental practice, plumbing and medical lines are a crucial component of the construction process. According

s n o i t a l u t Brewer Orthodontic thodontic gr a

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Top: The pediatric bay has room for 11 operatories, or dental work space, within a bright, airy space. A mural by Terri Porta, which includes “Douglas” (above) the Tooth Fairy’s pet friend, anchors the area. Left: A mini game room keeps young patients and siblings occupied in the waiting area of Brewer Dental Orthodontic & Pediatric Center. Opposite page: The 160-gallon saltwater fish tank draws children’s immediate attention in the Center’s waiting area.

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Billingsbusiness

special advertising section

Perfect smile

The orthodontia portion is connected via a “team room” where employees can break, enjoy lunch, store their gear or meet for educational sessions.

With 12 chairs, or operatories, the orthodontia bay can be a busy place. Each chair is separated by a thin, acrylic wall fashioned with tension cable.

“The floating walls are an efficient use of space, and the cabling makes them look and feel very high-tech,” noted Dr. Brewer.

“I really like how that feature turned out.”

to Tyrel Keller of Midland Mechanical, their work was completed by certified, licensed installers and the system was tested extensively to pass a stringent code.

“Incorrect installation can be dangerous,” noted Keller. “The most important aspect is to get the job done correctly and safely.”

Medical gas lines carry oxygen, nitrous oxide (often known as laughing gas), dental air, dental wash water and dental vacuum for waste.

Make it fun

While the new facility is similar to the main Brewer Dental Center, the interior houses two distinct practices—Pediatric and Orthodontics. The practices are on opposite sides of the building, divided by common work areas including the “team area,” a consult room and a shared, walk-through equipment room.

Upon entering the center, each patient is immediately greeted by a receptionist and checked in. They may also use one of two “self-check-in” electronic kiosks. The reception area is geared toward children, complete with a large salt water fish tank, a beverage station and a “game room” that houses four secured iPads loaded with 20 games to keep little hands and minds busy while they wait.

“The kids love them,” said Doug Meissner, Brewer Dental Clinic administrator. “They also make a bee-line

Billingsbusiness

for the fish tank as soon as they walk in the door.”

The iSnap kiosk, a “new age” photo booth that links directly to social media, is also a popular feature with the younger patients.

However, most children have a short wait-time, so it is their siblings who have more “play time.” According to Meissner, the average patient wait time is just 1.4 minutes.

“Efficiency is important to us,” said Meissner. “Most people don’t want to wait.”

To enhance the child’s entire experience, the walls of the pediatric bay are bright, bold and fun. Painted by Terri Porta, a wall mural includes an oversized image of the Tooth Fairy’s pet, named “Douglas” who helps children overcome their fear of the dentist or losing a tooth.

Each of the 11 operatories, or chairs, includes its own computer for paperless records and a mobile TV screen that runs 100 children’s movies on a loop to keep the young patients’ minds occupied during their cleaning or procedure.

For those who cannot seem to calm down, the new center includes six larger rooms for privacy.

“Some children may shed a tear or two,” noted Dr. Brewer. “We included a full-glass, sound-proof door so that we can interact with the patient in a more private setting with the parents outside the room with a line-of-sight on their child.”

According to Meissner, the bulk of Brewer Dental Center’s orthodontia patients have come from the in-house referral system.

Running a practice that spans the needs of patients of all ages across the community could be seen as daunting. But Dr. Brewer stays focused on a key vision.

He operates Brewer Dental Centers by a simple philosophy: patient care and comfort are priority number one—take care of patients and their needs, and all else falls in place.

Providing Quality Concrete Production for over 30 Years Congratulations Brewer Orthodontic & Pediatric Center

CONGRATULATIONS Brewer OrthOdOntic & Pediatric center

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New downtown parking garage set to open July 1

By BILLINGS BUSINESS

ated a three-month delay in the project.

During a recent tour of the garage, officials from Sletten Construction and the city of Billings said that it was Parking in downtown Billings will nearly impossible to pour concrete soon become a little easier with the through much of the winter when snow completion of the six-story, 540-space piled up and temperatures plummeted Empire Parking Garage. to below zero.

The $11.5 million project at Montana The parking garage features two Avenue and North 27th Street includes elevator towers and a bridge to conparking and ground-level retail space, nect the garage’s second floor with the and replaces a smaller parking structure Northern Hotel. that was next to the Northern Hotel.

In February the City Council The city financed the project with approved offers to sell ground-level Tax Increment bonds. Supports say retail space to Asian Sea Grill Shorethe garage is an essential element in long, which bid on three units of the assuring the development of downtown structure at $52 per square foot. Kelloy Billings.

Donovan purchased five subunits at The new parking structure boosts $46 per square foot. Since then the the capacity to the city’s four downcity has received a purchase agreement town parking structures to more than from Alleycat Investments, which 2,100 spaces. About one-third of the agreed to buy 5,000 square feet on the spaces in the garage will be reserved for east side of the building. the Northern Hotel, which reopened Bruce McCandless, Billings’ assisin February of 2013 after a multimillion tant city administrator, said the city has dollar renovation. received strong interest from parties A brutal winter that saw a record that are interested in securing parking Construction continues on the Empire parking structure on the 2700 block of Montana Ave. in Billings Thursday.

100 inches of snowfall in Billings crespaces in the new garage.

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

RiverStone director named to board

cancer screening information to customers.

The award is named for Marilyn Tapia, director of Bette Bohlinger, who died of Environmental Health Services acute myeloid leukemia in at RiverStone Health, was 2006. She was the wife of John recently apBohlinger, who served two pointed to the terms as Montana’s lieutenant Montana Degovernor. partment of Public Health Intern hired at and Human Services Food engineering firm Safety AdviTapia Nicole Van Dyk has been sory Council. hired as an engineering intern The council reviews proin the Land Development posed statute and rule revisions Program at the Billings office for retail food establishments of Morrison-Maierle. Her ensuring that changes conform responsibilities include site to evidence-based informagrading, report writing, flow tion and to the Food and Drug analysis and assisting with site Administration’s Food Code. design. She is currently working on a project on the west end of Billings for Western II Case manager Subdivision apartments. Van takes honor Dyk earned a bachelor’s degree Sheri Pope, a case manin civil engineering from ager with Community Health Washington State University.

Services at RiverStone Health, won a stateChamber names wide leadership award 2014-15 board for promotThe Billings Chamber of ing cancer Commerce has announced its screenings.

2014-2015 board of directors, The Bette effective July 1, 2014, through Bohlinger June 30, 2015.

Pope Leadership The Executive Board is Award was composed of Ron Yates, Eide given to Pope and all memBailly, LLP, chair; Jeff Walters, bers of the Early Detection Vertex Consulting Group, Implementation Team of the chair-elect; Butch Bratsky, Montana Cancer Control Stockman Bank, treasurer; and Coalition, which carried out Karen Fagg, H-B Property MT, an “Ask Me” campaign to en- past chair. Two new members courage businesses to provide to the Board of Directors are Billingsbusiness

Chris Dimock of Elation and Nichole Mehling-Miles of the Hilton Garden Inn. The additional directors that make up the Chamber board are Kris Carpenter, Sanctuary/Joy of Living/Joy of Kids; Bill Cole, Cole Law Firm; Julie Dial, Western Heritage Center; Patrice Elliott, Wells Fargo Bank, N.A.; Ginny Hart, Big Horn Resort; Allyn Hulteng, Billings Gazette Communications; Jeff Junkert, Jeff Junkert Construction Inc.; Greg Kohn, Vistage Billings; Casey McGowan, Trailhead Spirits; Mark Mueller, SM Energy Co., and Mark Nook, Montana State University Billings.

Ex-officio members are Steve Arveschoug, Big Sky EDA; Terry Bouck, Billings School District No. 2; Jim Reno, Yellowstone County Commissioners; and Tina Volek, City of Billings.

of banking experience to this position, which includes commercial, commercial real estate, construction and land development.

Rouane is a certified public accountant in Montana. He earned his bachelor’s degree in business with an accounting option from Montana State University Billings. He is a current board member of the Home Builders Association and Montana Society of CPAs. He may be reached at 655-3958.

Geology firm hires scientist

Scott Wheaton has joined HydroSolutions to expand the geology and hydrogeology program. Wheaton received a bachelor’s degree in earth sciences from MonRouane joins tana State University.

Stockman Bank Wheaton Previously, Jeremiah L. Rouane has he has served as a research asjoined Stockman Bank as sistant for the Montana Bureau commercial loan officer for the branch at 2700 King Ave. of Mines and Geology where W. His responsibilities include he had experience in geologic field mapping, groundwater developing and servicing monitoring, GIS software and commercial and construcpetrology. He will focus on tion loans hydrogeology, geology, water and assisting rights and other environmental customers with their services in the Billings office. lending and credit needs.

Engineer hired Rouane at KLJ Billings brings more Rouane David Mosser has been than 16 years

hired by the Billings office of KLJ, an engineering, surveying and planning firm. Mosser is an engineer with the municipal group. He earned both a master’s and Mosser a bachelor’s degree in civil engineering from Montana State University and has more than 36 years of engineering consulting and design experience.

Washington, Oregon, Idaho and Montana, which he will begin in November. Wagner is broker/owner of Re/Max Experts at 2646 Grand No. 2. He may be reached at 671-0389.

Bankers in new positions

Two staff members were promoted to the position of commercial lender at Stockman Bank branches.

Skye Olsen, who is at the branch at 2700 King Ave. W., will develop financing packages to fit the needs of each Bank hires business client and service new and existing commercial sales manager Steven Tucker has joined loan relationships, as well as construction loans. Olsen, who Rocky Mountain Bank team as a mortgage producing sales has been with Stockman Bank manager. For the past 14 years, for two years, was previously a credit analyst/loan assistant for Tucker has owned and managed American Mortgage, a lo- the Heights Branch. He earned cal mortgage company. Tucker his Bachelor of Science degree in accountancy from the Uniearned a business finance degree from the University of versity of North Dakota. Olsen Montana and has a residential may be reached at 655-3916.

Noah Tibesar, who is at the construction background with land and multiple investment branch at 800 Main St., will adproperties in the area. He may minister installment loans, lines of credit and home equity loan be reached at 651-9823. portfolios and assist clients with their financial needs. Tibesar Wagner named brings more than two years of vice president banking experience to the posiDan Wagner attended the tion, which includes consumer National Association of Real- loan processing and customer tors mid-year meetings where relations. He graduated from he has served on the board of Montana State University Billdirectors for six years. A new ings with a degree in business responsibility is as the 2015 administration with an option Region 12 regional vice presi- in management. Tibesar may dent for the states of Alaska, be reached at 896-4826.

July 2014

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Business Briefs Local Commerce at a Glance

State revokes broker’s license

HELENA — Montana Securities Commissioner Monica J. Lindeen has permanently barred a New York City-based securities salesperson from operating in Montana — a move that could force the man out of the securities industry nationwide.

Joseph Biondolillo agreed recently to a fine and the revocation of his securities license in Montana for allegedly engaging in “churning” — or rapidly buying and selling on behalf of his clients in an effort to generate commissions for himself.

“This guy has no business operating in Montana,” Lindeen said. “Bad actors like Biondolillo give every stock broker a bad name. I don’t want any more Montana victims.”

Biondolillo’s pattern and practice of excessively trading in his clients’ account cost Montanans hundreds of thousands of dollars. His employer, Chelsea Financial Services, last year agreed to pay more than $262,000 in restitution to his Montana clients. Most of the restitution came directly from Biondolillo. Chelsea also paid a fine of $40,000 for allegedly not adequately supervising Biondolillo and also reimbursed Lindeen’s agency more than $11,000 to cover the cost of the investigation.

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I July 2014

Montana revoked his broker’s license and forbids him from ever applying for another license here through a permanent bar. The Montana license revocation could effectively end Biondolillo’s career as a securities broker across the nation. A revocation in one state typically results in other states revoking a broker’s license and also could result in a statutory disqualification by the Financial Industry Regulatory Authority (FINRA), a self-regulating organization made up of broker-dealer firms.

Revocation is a particularly harsh penalty reserved for those individuals with a history of reportable disciplinary events. In Biondolillo’s case, he had multiple customer complaints alleging similar bad behavior on his record when he became a Montanalicensed broker in 2010.

Biondolillo was also ordered to pay a $10,000 fine.

In January 2013, a Biondolillo client complained to Lindeen’s office about the way he was handling their account. In the course of the subsequent investigation, Lindeen’s office located additional Montana victims across the state.

All had similar complaints: Biondolillo made excessive trades in their accounts, driving up commissions and fees for himself. He also rolled safe investments, such as conservative mutual funds, into riskier investments for

his own benefit.

Biondolillo did not live in Montana. He was registered to sell securities in the state and had Montana clients, but never lived or operated a business here.

BSED receives cleanup grants

Big Sky Economic Development has received two Environmental Protection Agency grants worth $400,000 to conduct environmental testing for potential contamination from hazardous materials and petroleum.

The testing will take place within the East Billings Urban Renewal District, an area between downtown and MetraPark that has been targeted for redevelopment.

In a news release, Big Sky Economic Development said it has received $200,000 to conduct 10 Phase 1 and four Phase 2 environmental site assessments within the EBURD. Another $200,000 will be used to conduct testing on sites with potential petroleum contamination.

The goal of the Phase 1 environmental site assessment is to research property history and documentation to determine if there is need for further investigation before redevelopment can take place.

For example, if an underground storage tank is found, it would be noted in a Phase 1 report, and it could recom-

mend a Phase 2 study. If necessary, excavation, drilling and sampling of soil and ground water could take place under a Phase 2 study.

The brownfields grant will be administered through BSED’s Community Development Department, which has received previous EPA funding for environmental assessment within the EBURD — previously 23 Phase.

“Brownfields assessments are a great tool for property owners,” said Dianne Lehm, BSED’s community development director. “They remove the question mark that might hinder them from fully utilizing their property. We’ve seen firsthand how knowing the condition of a particular parcel clears the way for future development, which ultimately revitalizes an area and creates jobs.”

“In our last round of EPA grant funding, 16 of 23 parcels reviewed needed no further assessment or remediation, removing any doubt of possible contamination,” said Steve Arveschoug, BSED’s executive director. “That’s important because brownfields assessments are needed for everything from construction plans to gaining financing. They’re a great way to spur private investment and protect property rights.”

Two other Montana economic development organizations, Bear Paw Development of northern Montana, and Great Northern Development

Corp., received EPA funding.

Montana ranks 31st in CEO survey

CEOs rated Montana the 31st best state in which to do business, according to Chief Executive magazine’s annual Best & Worst States for Business survey. Montana dropped seven positions from 2013.

The Best & Worst States Survey gauges the sentiment of CEOs on a variety of measures that they themselves have viewed as critical. These include the tax and regulatory regime, the quality of the workforce, and the quality of the living environment. Five hundred CEOs participated in the 2014 survey. The rankings are crucial, as CEO sentiment drives investments in offices, factories and other facilities that bring jobs to a region.

Montana, which is home to Stillwater Mining, First Interstate BancSystem and Glacier Bancorp., had a lower ranking than all four of its border states.

Idaho came in at 28th; North Dakota was 12th; South Dakota 15th and Wyoming 18th.

Montana’s 2.1 percent GDP growth is lower than the national average, but so are its unemployment and tax rates (5.2 percent and 8.6 percent respectively.)

The top five states for doing business were, in order: Texas, Florida, Tennessee, North Carolina and South Carolina.

California ranked 50th for

business climate, followed in reverse order by New York, Illinois, New Jersey and Massachusetts.

For complete results, including individual state rankings on multiple criteria, CEO comments, methodology and more, visit http://chiefexecutive.net/2014-best-worststates-for-business.

IRS shares ‘bill of rights’ for taxpayers

WASHINGTON — The Internal Revenue Service wants to read taxpayers their rights.

The agency is publicizing a “Bill of Rights” for taxpayers, including the right to quality service, the right to confidentiality and the right to a fair and just tax system, IRS Commissioner John Koskinen announced Tuesday.

Koskinen acknowledged that none of the 10 rights is new. All are buried somewhere in the thick pages of the federal tax code.

But going forward, the IRS will post the rights at IRS offices, and include an explanation of each one when the agency contacts taxpayers by mail. Koskinen said the list will be included in about 30 million mailings a year.

“We’re not creating new rights here,” Koskinen said. “We’re really trying to compile them in a simple, understandable format for taxpayers.”

Billingsbusiness

Montana patents Below are listed U.S. patents issued to Montana inventors April 22 through May 27. For assistance in patent filing, call Billings patent attorney Antoinette M. Tease at 406-294-9000.

Michael Steven DeMers of Great Falls: Foot snare triggering device. 8,701,334.

April 22. Universal Select-ACatch LLC of Valier.

Michael J. Ellig of Bozeman: Fall away arrow rest system. 8,701,643. April 22.

Andrew S. Field of Emigrant: System and method for utilizing excess printing capability. 8,705,054. April 22. Printingforless.com of Livingston.

Edward D. Anklam of Culbertson: Collapsible modular building with canvas seams.

8,707,634. April 29. Edward D. Anklam of Culbertson.

Robert Hutchinson of Huntingdon, United Kingdom; Leif Summerfield of Bozeman; Shane Hilliard of Bozeman, and Jay Wilkins of Belgrade: Sample chamber for laser ablation inductively coupled plasma mass spectroscopy. 8,710,435. April 29.

Electro Scientific Industries, Inc. of Portland, Ore. Felix YaikNan Liu of Daly City, Calif.; Zhongming Wu

of San Jose, Calif.; Benny Taiklin Wong of Sunnyvale, Calif., and Ron Jeppesen of Missoula: Simultaneous image distribution and archiving.

8,713,131. April 29. RHPiscan Systems, Inc. of Torranco, Calif.

Bernard T. Windauer of Kalispell: Operator-programmable-trajectory turret knob.

8,713,843. May 6. Bernard T. Windauer of Kalispell.

Robert A. Kincaid of Bozeman; Thomas M. Gregory of Belgrade; Birten L. Todd of Harrison; Eric M. Yeates of Virginia Beach, Va.; Clifton L. Cook of Boise, Idaho, and Thomas A. Marx of Virginia Beach, Va.: Retention holster for a firearm having an offset mounted accessory.

8,714,423. May 6. Alliant Techsystems Inc. of Minneapolis, Minn.

Lee E. Cannon and John P. O’Donovan, both of Bozeman: Gaming system and method for offering simultaneous play of multiple games.

8,715,070. May 6. IGT of Las Vegas, Nev. Douglas E. Ott of Macon, Ga.; Robert I. Gray of Macon, Ga., and Duane Lloyd of Glasgow: Charged hydrator. 8,715,264. May 6. Lexion Medical LLC of St. Paul, Minn.

Duane Johnson of Bigfork: Methodology of posttransesterification processing of biodiesel resulting in high purity fame fractions and new fuels. 8,715,374. May 6. Green Fuels Research, Ltd. of Cheltenham, United Kingdom.

Michael A. Kvam of Polson; Brian J. Sullivan of Boulder, Colo.; James David Duford of Polson; James D. Jore of Polson; Matthew B. Jore of Ronan; David Samsel of Missoula, and James S. Smith of Lyons, Colo.: Devices and methods for magnetic pole and back iron retention in electromagnetic machines. 8,716,913. May 6.

Boulder Wind Power, Inc. of Louisville, Colo.

Eric W. Reimers and Michael J. Deden, both of Missoula: The ornamental design for an expanded combination golf bag and cart. D704,409.

May 6. Sun Mountain Sports, Inc. of Missoula.

Eric W. Reimers and Michael J. Deden, both of Missoula: The ornamental design for a folded combination golf bag and cart. D704,410. May 6. Sun Mountain Sports, Inc. of Missoula.

Thomas M. Gregory of Belgrade; Robert A. Kincaid of Bozeman; Clifton L. Cook

of Sheridan, Wyo.; Eric M. Yeates of Virginia Beach, Va., and Thomas A. Marx of Virginia Beach, Va.: Lockable holster retention system.

8,720,755. May 13. Alliant Techsystems Inc. of Minneapolis, Minn.

Ronald N. Drake of Helena: Methods for hydrodynamic control of a continuous water purification system.

8,721,894. May 13. Drake Water Technologies, Inc. of Helena.

Leland Leachman of Wellington, Colo., and Tim J. Watts of Billings: System, computer-implemented method and non-transitory, computer-readable medium to determine relative market value of a sale group of livestock based on genetic merit and other non-genetic factors.

8,725,557. May 13. Leachman Cattle of Colorado, LLC of Fort Collins, Colo.

Gifford W. Cochran of Bozeman: The ornamental design for a wedgewood chair.

D704,467. May 13.

John P. Jackam, Joel M. Pierce and Jeffrey D. Jones, all of Butte: Production of biodiesel and glycerin from high free fatty acid feedstocks. 8,728,177. May 20. Seneca Landlord, LLC of

Ames, Iowa.

Falguni Dasgupta of Bozeman: Combinatorial polymeric compositions for drug delivery. 8,728,453. May 20.

Innovotech, LLC of Bozeman.

Niranjan Ramanlal Gandhi of River Hills, Wis.; Victoria Palmer Skebba of Cedarburg, Wis., and Gary A. Strobel of Bozeman: Antimicrobial compositions and related methods of use.

8,728,462. May 20. Jeneil Biosurfactant Company, LLC of Saukville, Wis. Ronald D. Brost, Adam Weisenstein and Kristine M. Brost, all of Whitefish, and Howard F. Wilkins and Randolph M. Kosted, both of Kalispell: Air electrodes including perovskites.

8,728,671. May 20. ZAF Energy Systems, Incorporated of ColumbiaFalls.

Helge Zieler of Del Mar, Calif.; James Jin of Chesterfield, Mo.; Jennifer M. Mach, Gary W. Rudgers, Daphne Preuss and Mich B. Hein, all of Chicago, Ill.; Gregory P. Copenhaver of Chapel Hill, N.C., and Kevin Keith of Three Forks: Plants modified with mini-chromosomes.

8,729,341. May 20. University of Chicago and Chromatin Inc., both of Chicago, Ill.

Latha Sree Vellanki of Helena: Finger stylus for use with capacitive touch panels.

8,730,194. May 20. Nano Nails, LLC of Helena.

David Harriton of Missoula: The ornamental design for a wheel. D705,154. May 20. Streetcar ORV LLC of Wixom, Mich.

Aaron Danreuther of Kalispell: Wing lock for side-mounted snow plow.

8,732,990. May 27.

Nathan C. Cantlon of Charlo: Depth setter bit holder. 8,733,216. May 27.

Jore Corporation of Ronan.

John B. Sullivan Jr. of Missoula: Cold weather exposure mask. 8,733,357. May 27.

Talus Outdoor Technologies, LLC of Missoula.

Kim Ormsby of Bozeman: Cloth training diaper.

8,734,419. May 27. The Natural Baby Company LLC of Bozeman.

James S. Smith of Lyons, Colo.; James D. Duford of Polson; James D. Jore of Polson; Lincoln M. Jore of Ronan; Matthew B. Jore of Ronan, and Brian J. Sullivan of Boulder, Colo.: Methods and apparatus for overlapping windings. 8,736,133. May 27.

Boulder Wind Power Inc. of Louisville, Colo.

4318.

A-1 Bonsai, Aurora, Colo., 303-229-7045.

Black Hills Restoration & Roofing, 1430 Country Manor

Blvd., Suite 1, 647-5414.

Aspen Curbing & Landscaping, 1842 Main St., 861-4619.

Matt Welch, Laurel, 697-

9239.

P.E. Nash Inc., 309 29th St. W., 252-4144.

RLW Concrete, 230 Reda Lane, 598-5213.

Advanced Home Builders, Holmen, Wis., 608-385-8024.

Aspinwall, LLC, 1035 Custer Ave., 698-2249.

O.L.J.D. Co., 376 Windsor

Business licenses Justin Poulson Tree The following business licenses were issued during Service, 410 S. 31st St., 6719889 May 2014. The information Kyle Hayes Lawn Care, is collected by the city of 2437 Alexander Road, 548Billings.

Billingsbusiness

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Business licenses, continued Circle S., 672-8385.

BeardMountain Industries LLC, 2923 Beech Ave., 6964816.

T & R General Contracting, 4550 Box Canyon Road, 694-2546.

Barbara Kirk Studio, 3206 Green Terrace Drive, 2524599.

Moore Services, Shepherd, 770-547-7705.

Swanson Enterprises, 590 Jackson St., 545-9896.

Billings Alternative Wellness, 2225 Main St., 6723172.

Krueger Construction, 2716 Arvin Road, 248-7310.

Mt. Video Blog, 428 Grand Ave., 707-2050.

R2R Inc., 4320 S. Frontage Road, 591-1627.

All Green Lawn and Sprinklers, 4324 S. Frontage Road, 699-7259.

TT & M Construction, 63 W. Meadow Drive, 850-2394.

AC Schommer & Sons Inc., Portland, Ore., 503-287-4646.

Mountain View Quilt Shoppe, 1327 Main St., Unit 1A, 256-0475.

Champ’s Cookies, 1574 Guinevere Place, No. 1, 816739-3626.

Deis Construction, Park City, 860-4107.

BWN LLC, 3177 Colton Blvd., 255-8888.

CK Builders, Havre, 801362-9548.

Sage Creek Construction, 4829 Dandelion Lane, 6705267.

Millenium Painters, 1540 Yellowstone Ave., 647-1019.

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Live Love Wellness, 4237 Pine Cove Road, 698-6388.

T-N-T Merchandise, 1103 Cortez, 208-3920.

Go Green Recycling, 1812 Wentworth Drive, 697-1069.

Charlie Reimers Construction, 1024 13th St. W., 928304-6483.

Melanie Steiner’s Photography, 1028 Princeton Ave., 698-6820.

Paiaina Construction, 1001 Avenue D, 671-3123.

Come Monday LLC, 300 S. 24th St. W., 860-7752.

Tinman Sheetmetal Heating & Cooling LLC, Shepherd, 351-1264.

Turn-Key Cleaners, 4652 David Mark Trail, 321-2961.

CLB Properties LLC, 4221 Bruce Ave., 876-3330.

Lil Mexico, 610 S. 36th St., 598-8081.

Loughney Construction, Roberts, 425-1204.

VomMutigenHausCanineAcademy LLC, Fromberg, 599-0986.

928 Cafe, 928 Broadwater Ave., 694-5779.

Ward Demolition, Burwell, Neb., 208-7512.

AT&T Authorized Retailer No. 415, 300 S. 24th St. W., 652-3147.

Mullen Crane and Transport, 4568 S. 72nd St. W., 628-1700.

Rice and Company Interiors, 1941 Forest Park Drive, 702-1333.

Healy’s Helpin Hands, 1230 Cottonwood Blvd., 8761520.

Whatever/Whenever

Services, 1112 Harvard Ave., 839-5043.

Holistic Hypnosis & Coaching LLC, 209 N. 29th St., No. 234, 696-7946.

Joel Reagor Jewelry, 4113 Arden Ave., 259-7732.

Zerbe Construction LLC, Absarokee, 679-0993.

Charlie the Plumber, Inc., Roberts, 446-4278.

The Yardner, 5505 Deadwood Drive, 581-9110.

The Detail Shop, 110 Fifth St. W., 208-9486.

ICOR Technology Inc., Ottawa, Canada, 613-745-3600.

Rever, 2315 Henesta Drive, 696-4833.

ATT Landscape LLC, 1823 St. Andrews Drive, 861-5732.

93Ayers, 3436 Barley Circle, 860-3809.

Aqua Green Solutions Incorporated, 2702 Montana Ave., Suite 202, 696-4865.

A Clean Place to B, 2350 Avenue C, 591-6768.

Haran Roofing, Red Lodge, 425-4716.

Linderman Precision Carpentry, 720 Tanglewood Drive, 690-1865.

Saputo Dairy Foods USA LLC, White Bear Lake, Minn.

651-765-6105.

Madsky Roofing & Restoration LLC, Helena, 855-6237597.

Dan Cain Construction, Bozeman, 599-9501.

J & M Consulting, 5804 Kit Lane S., 794-4169.

Lowry Painting Service, Shepherd, 670-9516.

Faith Works Construction, 302 Jackson St., 927-4116.

Majestic Roofing and Construction LLC, Anaconda, 560-6923.

Charles Brockman Construction, 4212 Clevenger Ave., 694-6743.

Schweitzer Engineering Laboratories Inc., 3349 Flora Ave., 509-592-3128.

L and M Cleaning, 55 Nugget Drive, 281-0038.

J & E Proserve PLLC, 1234 Peony Drive, 245-4533.

Marks Backhoe Service, 2817 Montana Ave., 6476967.

Aspen Contracting Inc., Helena, 318-0374.

CMR Construction and Roofing, 1925 Grand Ave., No. 127, 855-766-3267.

Miner Construction Inc., 735 Rimrock Road, 860-8808.

Pro Plus Construction, Roofing & Siding LLC, Gillette, Wyo., 307-682-0889.

D.T.K. Restoration, 2217 10th Ave. N., 694-8628.

Habara (Premier by Dead Sea Premier), 300 S. 24th St. W., 794-5382.

C & D Roofing, Denver, 245-0100.

MagicCity Therapeutic Oils, 429 Nelson Drive, 6719433.

Wildflower Landscaping, 2141 Burnstead Drive, 8602210.

Francesca’s Collections Inc., 300 S. 24th St. W., 713864-1358.

Imperial Roof Systems Co., Union, Iowa, 563-422-6001.

Cedar Valley Exteriors Inc., Coon Rapids, Minn., 800-8717115.

NK Equipment Rental, 1531 Glacier Peak Circle, 868-8855.

Spartan Remodeling LLC, Denham Springs, La., 855248-7675.

H & M Roofing & Construction, 1804 Westwood Drive, 702-0860.

Lions Gate Roofing, Ada, Okla., 206-2396.

Mossman College of Therapeutic Massage, 2526 Grand Ave., 876-3761.

Beast Construction LLC, 89 Goldstrike Drive, 794-6217.

BullMountain Bullet Works, 607 Avenue E, 208-3455.

Green Vista Roofing, 2116 Broadwater Ave., 839-1538.

Gold Standard Roofing, 532 Miles Ave., 971-2358477.

Peachtree Company KB LLC, Helena, 800-517-0856.

Guy Roofing Inc., Spartanburg, S.C., 864-578-4594.

Adan’s Construction LLC, Sherman, Texas, 956-3193446.

Adrian Cleaning and Courier Services, 2516 Wyoming Ave., 598-3272.

Simple Support Solutions, 629 Avenue C, 208-5882.

Apex Roofing & Remodeling Inc., Lakewood, Colo., 303-974-6787.

Dent Impression Inc., 1327 Main St., 612-968-3368.

J & L Roofing Inc., 2108 Broadwater Ave., Suite 104, 259-9267.

Camelot Builders LLC, 8848 Camelot Lane, 6712851.

Infinity Roofing & Siding

Inc., 2116 Broadwater Ave., 545-2223.

Atlanta Storage Concepts, Duluth, Ga., 678-756-2550.

Jetmore Construction, 2223 11th St. W., 860-1954.

ASAP Restoration, 710 Grand Ave., No. 8, 245-2727.

CIG Construction LLC, 2116 Broadwater Ave., 303-5010020.

Kami Rookstool Photography, 2910 Lynwood Circle, 565-4657.

Dynamic Roofing & Construction LLC, Centennial, Colo., 303-794-4919.

Amos Guttering Inc., Indianapolis, Ind., 317-359-3414.

Mountain Area Systems, 5050 Cheyenne Trail, 6567718.

Built Wright Homes & Roofing Inc., Pueblo, Colo., 438-2159.

Pitch Fork Enterprises, 2444 Hoover Ave. The Hail Repair Center, 2033 Main St., 719-429-1498.

All American Restoration Inc., 208 N. 28th St., Suite 313, 612-998-4570.

Petrocelli Services LLC, Austin, Texas, 512-836-1414.

Reliable Renovations, 1102 Denway Place, 697-4786.

Ferco Construction, 1184 Governors Blvd., 855-6743.

Reroof America Contractors MT LLC, 401 N. 15th St., 272-1845.

Z-Active Therapy, 645 Grand Ave., Suite C, 969-4233.

American Repair Masters, Sheridan, Wyo., 844-2767663.

Kind Pilot Cars, 1180 Billingsbusiness

Business licenses, continued Capricorn Place, 459-5587.

Montana Blast Artwork LLC, 2522 Irvin Place, 6515448.

H & H Pest Pros, Joliet,

4835.

Eldorado Drive, 927-2329.

962-9884.

Mile High Roofing Inc., 405 Printing Space, 300 S. 24th Big Dog Renewable N. 24th St., 839-7446.

St. W., 656-0506.

Energy, 1917 Southern Hills HUF Construction, 402 N. TO Jones Construction, Drive, 671-8445.

14th St., 697-5417.

Outlaw Exteriors Inc., 2161 1212 O’Malley Drive, 698-

National Paintless Dent Repair Inc., 4005 First Ave. S., 231-499-6392.

Extreme Autobody & Repair, 5055 Jellison Road,

690-9997.

Master Platinum Exteriors, 1142 Howard Ave., 206-9191.

White Trash Performance, 2107 Colton Bvd., 861-7867.

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

Chapter 7 Joey M. Silverthorne, Angela R. Silverthorne, 424 Elm Ave., Laurel, May 1.

Kevin Odenthal, 139 Avenue B, May 3.

Michael Todd Milligan, 1708 Ninth St. W., May 7.

Christopher A. Roberts, Arlene M. Roberts, 720 Avenue E, Apt. 2, May 8.

Howard Ernest Rickard, Pamela Gwenette Rickard, 922 Sixth Ave., Laurel, May 8.

Brian Keith Kelly, Rachael Kathleen Kelly, 719 Yellowstone Ave., May 9.

Jarrett A. Roberts, 728 Starlight Drive, May 9.

Janielle Z. Jacobson, 840 Miles Ave., May 12.

Michael James Anderson,

Lynda Mae Anderson, 1992 Avenue B, May 12.

Derrick William Tokar, Gilleette, Wyo., Kelphen Lee Tokar, 4534 Stone St., May 12.

Kurt Edgell, Karen Edgell, 5233 Black Stone Circle, May 12.

Corey N. Candelaria, 2207 Central Ave. Apt. 101, May 13.

Paul A. Toth, Judith L. Toth, 443 Crow Lane, May 13.

Tammy Lin Miller-Hill, 1627 Kelby Drive No. 1, May 13.

Michael Patrick Boespflug, 3812 Slalom Drive No. 374, May 14.

Guy W. Yeager, 3015 Sixth Ave. S., May 14.

Andrew D. Boyer, 1603 Broadwater Ave., May 15.

Brendon Dale Southworth, 4429 Lux Ave., May 16.

Nanci June Schmidt, 921 E. Fourth St. No. 10, May 19.

Cheryle Ann Cook, 3455 Old Hardin Road, No. 81, May 19.

Karen K. Kellogg, 649 Parkhill Ave. No. 3, May 21.

Henry Anastacio Rodriguez, 214 Homewood Park Drive, May 22.

Jennifer Anne Abfalder, 410 Ninth St. W., May 27.

Benjamin Lee Polesky, 1802 Sixth Ave. W., May 28.

Dennis Avery Thomason, Michelle Lynn Thomason, 730

Avenue C, May 29.

Raymond Scott Hilliard, 14 Prince Of Wales Drive, May 30.

Chapter 13 Paul Max Morning, Carlotta Noreen Morning, 1509 Wicks Lane, May 2.

Connie Ann Larson, Roger Alan Larson, 1919 11th Ave. N., May 12.

Billy Earl Holloway, Linda Joy Holloway, 430 Calhoun Lane, May 23.

And Paint Inc., $7,000 2146 Fairview Place, White, Lonney H. Jr., $43,000 1129 Dayton Circle, Haman, John M. & Vivian L., $27,440

George M., $42,000 1024 Alkali Creek Road, Lasar, John D. & Barbara L., $65,000 1161 Amendment Circle, Hirsch, Wayne M. & Traci J., Dan Fleury Construction Inc., $35,000

glas & Assoc. Inc., $298,455 1640 Hidden Cove Lane, McCall Development Inc., McCall Development, $166,840 4142 Banbury Place, Kinkead, Todd B. & Nancy M., $194,410 5366 Sundance Mountain Circle, NA, Jeff Junkert Construction Inc., $209,700 4230 Woodgrove Drive, Emineth Custom Homes Inc., Emineth Custom Homes, $450,000 1702 Hollyhock St., McCall Development Inc., McCall Development, $272,530 1630 Silver Run Trail, Jeff Junkert Const., Jeff Junkert Construction Inc., $182,585

1441 Benjamin Blvd., Infinity Homes, Infinity Homes LLC, $208,280 3012 Reimers Park Drive, Neumann, Gerald A., Neumann Construction, $330,000 269 Brookshire Blvd., Legacy Homes Inc., MJ Construction Inc., $163,330 265 Brookshire Blvd., MJ Construction, MJ Construction Inc.,$163,330 2233 Clubhouse Way, Broadbent, Jay Dee, $370,000 1550 Shaw Lane, Twin Oaks Corporation, Twin Oaks Corp., $147,015 3109 Peregrine Lane, Helgeson Homes, Helgeson S. D., $298,345

2214 Pine Creek Trail, Boyer Land LLC, Design Builders Inc., $297,765 710 Winter Green Drive, L & L Construction, L & L Construction LLC, $165,545 267 Brookshire Blvd., J & L Investments, D & D Siding And Construction, $163,330 1534 Shaw Lane, Twin Oaks Corporation, Twin Oaks Corp., $105,540 1509 Anchor Ave., Steadfast Builders LLC, Steadfast Builders, $199,250 5946 Foxtail Loop W., Classic Design Homes, Classic Design Homes, $169,410 3477 Lucky Penny Lane, Oakland Built Homes, Twin

Residential Permits Demolition Permit Residential 728 Logan Lane, Quigg, Rex A. & Janet F., Rocking Jr. Services LLC, $200 312 S. 34th St., Serfazo, Mike W. & Janine M., $500 Addition Single/Duplex/ Garage 728 Logan Lane, Quigg Rex A. & Janet F., Rocking Jr. Services LLC, $9,675 436 Miles Ave., Verseman, Michael D., $12,600 437 Slalom Drive, Berg, Layne C. & Tammi E., $5,340 191 Bohl Ave., Bohl Properties LLC, Billings Remodel Billingsbusiness

New Garage 1239 N. 25th St., Brodston, Richard L. & Heidi, $4,032 1236 Dublin St., Simpson, Christopher & Tracy, Post Frame Specialists, $34,650 1313 Avenue E, Ludwig, Donald L. & Lisa C., $27,720 1913 Columbine Drive, Burleson, Andrew D., $25,795 915 Wicks Lane, Wipf,

New Single Family 1552 Shaw Lane, Twin Oaks Corporation, Twin Oaks Corp, $143,490 3124 Western Bluffs Blvd., Buscher Development, Buscher Construction Ltd., $212,105 3939 Pa Hollow Trail, Langlas & Associates Inc., Lan-

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Residential Permits, contnued Stanley M. Trustee, District 7 HRDC, $500 2036 Green Terrace Drive, Davis, CM & Shannon, All Season Construction, $500 603 Howard Ave., Bianchi, Diane M., Lynnrich Inc., $2,501 1328 Valley Forge St., Vickery, Vernon L., Lynnrich Inc., $2,627 919 S. 29th St., Barrow Brenda, District 7 HRDC, $250 2515 Rainbow Lane, Allen, Edwin N. & Mary Beth, Rost Homes Inc., $18,000 1317 N. Church St., Kelly, Corrine A., Northwest Custom New Two Family Improvements, $3,000 2420 Icewine Drive, Best 1551 River Edge Road, River Point Edge LLC, Marsich Development Corporation, $31,903 Investments, $245,200 605 Bazaar Exchange, 1553 River Edge Road, River Point Edge LLC, Marsich Boespflug Roy D. & Tracy L., Construction By Design Inc., Investments, $245,200 5203 Frontier Drive, River $2,000 322 S. 35th St., Korf David Point Cottages LLC, Marsich & Dean N., Construction By Investments, $245,200 Design Inc., $2,000 4646 Lux Ave., LimberRemodel Single/ hand, Dennis J., $17,095 Duplex/Garage 2521 Spring Gulch Way, Arthur Adam, $18,000 1802 Oakridge Lane, 3012 E Copper Ridge Loop, McKechnie Karen & Samuel, D & D Siding & Construction Dave’s Exteriors Inc., $1,800 , D & D Siding And Construc515 Constitution Ave., tion, $20,000 Buckingham, Larry A. & 128 Alderson Ave., KiLinda M., Econo Glass West, enitz Robert C. & Susan E., $10,866 Highlands Construction Inc., 638 Lewis Ave., Brownell $12,000 1331 N. Church St., Kves- Patrick, $40,000 3041 Poly Drive, Milton eth Arthur C. & Delaina M., LLC, Phil’s Glass, $1,800 K-Designers, $30,500 1310 Yellowstone Ave., 1833 Avenue E, Hertz, Oaks Corp, $156,360 1620 Silver Run Trail, Jeff Junkert Const., Jeff Junkert Construction Inc., $183,470 1435 Benjamin Blvd., Dawson Builders, Dawson Builders, $243,985 1444 Benjamin Blvd., Dawson Builders, Dawson Builders, $177,585 922 Blackberry Way, Trails West Homes LLC, Trails West Homes LLC, $250,060 5717 Mountain Front Ave., Trails West Homes LLC, Trails West Homes LLC, $247,120

46

I July 2014

Leppink, Shelly M. & Gary R., All Season Construction, $1,000 41 Almadin Lane, Pianca, Analicia T., All Season Construction, $1,900 1820 Sixth St. W., Mantei, Adrian & Amber, Northwest Custom Improvements, $1,500 2146 Fairview Place, White, Lonney H. Jr., Freyenhagen Construction Inc., $40,000 3318 Shenandoah Drive, Berger Trust, Win-Dor Industries, $1,787 3534 Corbin Drive, Hraban Michael J. & Valerie K., WinDor Industries, $4,287 935 Dixon St., Gross, WinDor Industries, $2,346 1119 12th St. W., McComas, Larry M., Win-Dor Industries, $4,767 4103 Audubon Way, Burgess, Renee L. & William R., Win-Dor Industries, $5,068 1530 Custer Ave., Richardson, Marilyn E., Lynnrich Inc., $4,647 2914 Fourth Ave. S., Zinvest LLC, Rose-Joe Inc., $1,500 735 Terry Ave., Judith Guardino Living Trust, Residential Roofing, $11,000 3033 Leeann Blvd., Model, Mark & Lesley, Northwest Custom Improvements, $10,000 714 N. 16th St., Williams, Judith Anne, District 7 HRDC, $500 2625 Cook Ave., Sims,

Wallace S. & Carol B., Construction By Design Inc., $2,000 64 Gold Pan Lane, Corbridge, Douglas L. & Cynthia, Construction By Design Inc., $5,500 3190 Fairmeadow Drive, Doug Jensen, Construction By Design Inc., $5,500 3924 Pa Hollow Trail, Gipson, Roger D., Tutt Construction, $15,000 832 Royal Ave., Gallogly, Sean P. Jr. & Katie R., $35,000 6219 Golden Eagle Court, Eklund, Kris L. & Jeanette J., Thompson Const. Co. Inc., $12,000 4140 Corbin Drive, Singer, Daniel K. & Deborah I., $3,000 3756 Gymnast Way, Squires, Joshua K. & Kayla A., Servpro Of Billings, $35,000 2501 Whittier Place, Negu, John V., McCall Pools, $20,000 3115 Placer Drive, D’Ambrosia, Scott, McCall Pools, $20,000 2416 11th St. W., Brinton, Judith M., All Season Construction, $1,000 2640 Cody Drive, Busch, Darlene R. Trustee, Freyenhagen Construction Inc., $8,000 4292 Rangeview Drive, Cunningham Revocable Trust, Freyenhagen Construction Inc., $11,500 3130 Zimmerman Place, Lampi Rohnn M., Freyenhagen Construction Inc., $13,000 723 N. 24th St., Debtor Co., Debtor Co. Trust, $1,200

2220 Louise Lane, McAuliffe, Beverly A., Schaefer Remodel and Repair, $4,000 2218 Patricia Lane, Eberts, Robert D, All Season Construction, $500 3190 Fairmeadow Drive, Doug & Shannon Jensen, $7,500 3443 Aireway Drive, Dunning, Kee, Schenk Construction Inc., $40,000 4626 Phillip St., Swoboda, Dale E. & Julie A., Win-Dor Industries, $3,931 4613 Ruth Ave., Swoboda, Dale E. & Julie A., Win-Dor Industries, $1,979 2934 Gregory Drive S., Habein, Peter F., Win-Dor Industries, $2,279 3633 Tommy Armour Circle, BC Family Trust, WinDor Industries, $4,622 1343 Concord Drive, Bryant, Richard W. & Patricia J., Win-Dor Industries, $3,470 2427 Rimrock Road, Edward L. & Jean Ann McCormick, Win-Dor Industries, $1,437 2927 Illinois St., Gordon, Michael Charles & Patt, $1,000 130 Legends Way, Dorn/ Lowe LLC, Lowe Dan Construction, $10,400 407 S. 37th St., Tretin, Ana M., Rocking JR Services LLC, $3,600 2527 Bridger Drive, Replogle, Randy A., $4,000 366 Fence/Roof/Siding permits were issued during May, 2014.

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Billings Commercial Building Permits April 1-30, 2012 Addition

543 Aronson Ave.

Better Billings Foundation $110,000

Remodel

Addition

1415 1 Ave. N.

Solo Holdings LLC

$42,000

Demolition Permit Commercial, 910 Grand Ave.

Starbucks

Huppert Construction Company

Fence/Roof/Siding

44 Wicks Lane, Sisters Of Charity Of Leavenworth

Empire Roofing Inc. $2,700

Demolition Permit Commercial, 3301 1 Ave. S.

JP Enterprises

Ward Demolition

Fence/Roof/Siding

5001 Southgate Drive

Mountain States Leasing

Billings Lynnrich Inc.

$9,443

Addition

2814 2 Ave. N.

Royer Property LLC

Fence/Roof/Siding

4150 Stone St.

Church Of God Prophecy

Roofing & Siding Pros.

$7,500

Addition

1291 Weil St.

Grand Vision Gaming

New 3/4 Family

2124 Rehberg Lane

Properties LLC

Freyenhagen Construction Inc.

$400,000

Fence/Roof/Siding

1123 1st Ave. N.

B Who U R LLC

New 3/4 Family

2120 Rehberg Lane

JCF Properties LLC

Freyenhagen Construction Inc.

$400,000

Fence/Roof/Siding

114 N .27 St.

Fagg Family Properties LLC

New Other

703 N. 29 St.

Phoenix Condominium

$2,000

Fence/Roof/Siding

2215 Monad Road

NWA LLC

Remodel

401 N. 23 St.

Bargreen/Ellingson

$115,665

Fence/Roof/Siding

1595 Grand Ave., West Park Shopping Center LLC, Sprague Construction Roofing Division $200,000

Remodel

2829 King Ave. W.

Market Place West Partners LLC, Arlington Construction Inc.

$ 200,000

Fence/Roof/Siding

701 S. 29 St. W.

Totten James L.

Lennick Bros. Roofing

$11,000

Remodel

3030 4 Ave. N.

Three Dances LLC

$15,000

Fence/Roof/Siding

4148 1st Ave. S.

Rhodes Paul D. & Patricia L. Lennick Bros. Roofing

$16,500

Remodel

315 Main St.

G5 LLC

$33,240

Fence/Roof/Siding

721 Grand Ave.

Zabrocki Sylvester J. & Jo Ann, Donahue Roofing $8,250

Remodel

3435 Mountain Pass Road, Anvil Disposal Inc.

Picard Development

$40,000

Fence/Roof/Siding

3407 Montana Ave.

Larry And Marlene Thiel Family , Donahue Roofing $13,000

Remodel

345 Calhoun Lane

Roof Solutions $4,600

Fence/Roof/Siding

741 Custer Ave.

Lyford Jojean

Donahue Roofing

Remodel Multi-Family

750 Nottingham Circle Iret Properties

Hulteng Inc.

$33,997

Fence/Roof/Siding

2120 3rd Ave. N.

CHS Inc.

Bradford Roof Management Inc. $185,000

Fence/Roof/Siding,

3990 Avenue D

Kirby Roofing

$12,250

Remodel

300 S. 24 St. W.

Rimrock Owner LP

Fence/Roof/Siding

3222 Henesta Drive, Hab Development Corporation

DRM Construction

$35,000

Remodel

1603 Grand Ave.

West Park Shopping Center LLC, Laughlin Construction Inc. $100,000

Fence/Roof/Siding

3232 Henesta Drive

Hab Development Corporation, DRM Construction

$35,000

Remodel

2255 Overland Ave.

David Veeder

Langlas & Assoc. Inc.

Fence/Roof/Siding

550 32 St. W.

Freedom Church Assembly Of God

$16,000

Remodel

605 24 St. W.

Get Juiced

Jones Construction Inc.

$20,000

Fence/Roof/Siding

2701 6 Ave. N.

GM Petroleum

Lennick Bros. Roofing

$6,500

Remodel

2812 1st Ave. N.

Glacier Bank

Campbell Ty Construction Inc.

$30,000

Fence/Roof/Siding

3210 Henesta Drive

Steel Properties Inc.

Lennick Bros. Roofing

$2,000

Remodel

230 Broadwater Ave.

Habel Family Trust

Norse Builders $2,500

2675 Central Ave.

Lamplighter Square LLC

Jones Construction Inc.

$30,000

Sassy Scissors

Mclaws Craig John etal

Sharp Construction LLC

2320 Alderson Ave.

Clara Benner Survivor’s Trust Econo Glass West

$3,416 $19,000 $900 $2,500

Dan Fleury Construction Inc.

$219,265 $3,000 &

DLV Roofing Inc.

$7,000

$15,000

$160,000

$300,000

New Industrial/Factory/Plant, 745 Parkway Lane

HM Holding Company LLC Jones Construction Inc.

$1,193,409

Remodel

New Other

HeightsFamilyFuneralHome&Crematory,JonesConstructionInc.,$1,250,000

Remodel

1045 N. 30 St.

Deaconess Medical Center Jones Construction Inc.

$18,000

New Restaurant/Casino/Bar, 910 Grand Ave.

Wadsworth Acquisitions LLC

Remodel Multi-Family

113 Custer Ave.

W Bar C Leasing LLC

Braaton Construction

$59,183

New Warehouse/Storage, 534 S. Billings Blvd.

Rubie Michael C

BNH Construction

$1,283,675

Addition

1150 S. 29 St. W.

Wildfire Autobody

P & G Construction LLC

$175,000

New Warehouse/Storage, 3177 Colton Blvd.

Nelson Bernard & Brent

BWN LLC

$ 3 1, 9 2 0

Fence/Roof/Siding

403 Main St.

Target Corp T-1333

Imperial Roof Systems Co.

$123,875

New Warehouse/Storage, 3177 Colton Blvd.

Nelson Bernard & Brent

BWN LLC

$60,830

Fence/Roof/Siding

409 S. 36 St.

Pilgrim Congregational Church, Empire Roofing Inc.

$20,000

New Industrial/Factory/Plant, 1011 Intermountain St., Inland Truck Parts Co.

$10,000

Remodel

801 N. 29 St.

Hardy Construction Co.

$370,000

$2,500

Remodel

1441 Governors Blvd. School District 2

Fisher Construction Inc.

$483,000

$60,000

Remodel

601 24 St. W.

M & K Inc.

Viaventure Construction

$2,000

425 Grand Ave.

School District 2

May Mechanical Inc.

$500 $50,000

733 W Wicks Lane

Remodel

1801 Majestic Lane

Billings Ventures LP

Remodel

300 S. 24 St. W.

Rimrock Owner LP

$600,000

Dick Anderson Construction

Billings Clinic

$4,800,000

Remodel

2814 2 Ave. N.

Royer Property LLC

Remodel

2784 King Ave. W.

HD Development Of Maryland Inc.

Remodel

2814 2 Ave. N.

Royer Property LLC

$1,500

Remodel

Remodel

101 Grand Ave.

Montana Tech Of The Plan/Builder Construction Inc.

$3,800

Remodel-Change In Use 1681 Gleneagles Blvd. Kangas Ron

AJ Construction Inc.

Remodel

820 Shiloh Crossing Blvd., Shiloh Crossing Partners LLC

Demolition Permit Commercial, 1681 Aviation Place City Of Billings (Airport)

Asphalt Plus Inc.

Remodel

2316 Alderson Ave.

Billingsbusiness

Clara Benner Survivor’s Trust Econo Glass West

$13,000

$10,000

$600,000

$3,416

July 2014

I

47

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48

I July 2014

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Shiloh & Grand 655-3900

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