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Volume V - Issue IV
April 2009
Covering the Interests of Boomers in Western Montana
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ROADSIDE CHATS: Victory Veggies

Nationwide, vegetable gardens are springing up like dot-com businesses a decade ago.

The financial uncertainty of late has almost everyone looking for ways to save money. And as the nation’s economic outlook worsens, plenty of folks are looking no farther than their own backyard for a respite from recession.

Nationwide, vegetable gardens are springing up like dot-com businesses a decade ago.

People with little or no garden experience are buying seeds, tilling up part of their lawn, and calling on what their agrarian ancestors embraced as a way of life. Even the current occupants of the White House are growing their own vegetables.

First Lady Michelle Obama invited 23 fifth graders from Bancroft Elementary School in Washington to help put in a garden for the first family on the South Lawn. She and her two daughters have vowed to help maintain the 1,100-sqaure-foot plot, and White House chefs have readily agreed to prepare healthful meals using produce from the garden.

From the nation’s beltway to the valleys of Montana, the trend toward self reliance is alive and well, according to Missoula County Horticulturist and Stevensville market farmer Helen Atthowe.

“Interest in growing food is definitely up,” Atthowe said. “Everybody’s going back to having a victory garden.”

Not since Eleanor Roosevelt has the nation’s first family outwardly promoted victory gardens, she said. And if history is any indicator, a change in our nation’s agriculture policy might soon follow.

After Mrs. Roosevelt planted her victory garden in 1943, Agriculture Secretary Claude Wickard followed suit by challenging Americans to plant 18,000,000 gardens. In short, promoting self reliance became the policy of U.S. Department of Agriculture.

“My hope is that since Michelle Obama put a garden in at the White House, the current ag secretary will make victory gardens part of our current policy,” Atthowe said. “I think that would really have an impact. Leadership is so important.”

To help serve the growing number of farmers wishing to transition to vegetable crops, Missoula County Extension Service is sponsoring a 3-part workshop on Commercial Vegetable Production beginning April 14. Atthowe may be reached at 258-4205 for more information.

Growing a garden

In Hamilton, at the three-year-old Daly School Community Garden, the 27 public plots are already reserved for individuals and families desiring garden space, according to garden manager Ria Overholt.


“We’ve got quite a few new gardeners,” Overholt said, “and we’re still getting calls.”


But not all the calls are coming from local folks wanting a plot, she said. Many are coming from groups in other parts of the state and nation interested in starting their own community gardens.


“We’ve had calls from Great Falls, eastern Montana, even Virginia,” she said, “from people wanting advice on organizing a community garden.”


Locally, Overholt and her two garden co-managers, Ellie Currie and Marty Knox, are assisting a Hamilton church and family center in getting garden plots established. In addition, they are opening the production part of their garden – traditionally maintained by employees of local businesses to supply fresh produce to the local food bank – to volunteers, who will be able to take home part of the bounty in exchange for their work in the garden.


“The more we can help people get through this crisis and get food to their families the better,” Overholt said. “We’re calling our new program “Volunteers for Veggies” and we have a list of folks who might need a little help.”

Recession-proof business


Across town at Sam’s Spade Garden Tools and Wares, a business specializing in organic seeds and soil amendments, high-quality garden tools and supplies, and unique garden and kitchen wares, business has been brisk.

“We’ve seen an increase of 25 to 30 percent – mostly seeds, potting soil and propagation supplies,” said owner Samantha O’Byrne. “And everything we’ve heard from our suppliers suggests they’re experiencing a big increase in sales. In seven years of dealing with purveyors of seeds and garden supplies, my suppliers are the busiest they’ve ever been.”

Actually, the much-talked-about economic gloom forecast last fall left many suppliers short on stock, O’Byrne said.

“Many businesses reduced their inventories in anticipation of a coming recession,” she said. “Then the incredible demand from consumers caught them off guard. I’m having to wait three or four weeks sometimes for supplies I used to be able to get in a week.”

For years, Sam’s Spade has sponsored a series of free workshops geared to sustainable gardening. This year, O’Byrne said, the popularity of the lectures has taken a noticeable upswing.

“When I was putting together the garden series, I unconsciously doubled the number of workshops,” she said. “And on top of that, the turnout has been phenomenal. Workshops that used to draw 10 people are now bringing in 30 or more.”

Karla Wiencek, who organizes the Saturday workshops, said she’s noticed that many of the attendees are first-time gardeners. The same is true, she said, for the customers.

“We always have a buzz in the springtime,” Wiencek said. “The ‘usual suspects’ come in the store anxiously anticipating another year in the garden. But this year is different – a lot of new people are coming in wanting advice. It’s their first year gardening and their friends have told them to come to us. That’s really rewarding – I’m glad to be a part of this.”

Local resources

There’s plenty of information available for anyone wishing to start a garden. Both Missoula and Ravalli County Extension Services have free bulletins and handouts with useful and relevant information about everything from soil preparation and planting tips to berry and fruit tree production. Libraries, garden stores and bookstores all have many useful books on everything from container and “lasagna” gardening to green house and four-season growing.

But perhaps the best resource available is a neighbor with a great vegetable garden. Most people are happy to share their gardening wisdom with friends and neighbors – many of them might even have a few extra seeds or plants they’d be willing to part with.

The cutting-edge aquatic therapy facility will be a great success with its special pool that combines the healing properties of water with powerful therapy jets, underwater treadmill and massage system.

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BUSINESS: A peek at Missoula’s radio personality,

Sheila Callahan


If you tune your FM radio dial to 102.5, you’ve landed in Missoula’s ultra-popular KMSO’s radio show, Mountain FM, featuring the easy-going rock of “yesterday’s hits/today’s favorites.” Or, if you dialed in 107.9, you’re listening to Hamilton’s Valley FM, KDHV’s “country with a kick” station. Perhaps soft rock or country isn’t your cup of tea, and you’re seeking totally caffeinated rock. Tuning into 97.9, KDXT, Real Classic Rock, should satisfy that fix. Every one of those scenarios holds a commonality: a dynamic woman, Sheila Callahan, and her Mountain Broadcasting businesses.

Sheila Callahan’s radio career arose at a time when women were breaking traditional career barriers, the early 70s. The business of radio was left to men, and left no elbow room for women. It was a series of small - and some large - events that led Sheila into the world of radio, with each basically being “baby steps.”

Sheila attended Sacred Heart Academy (now known as Loyola Sacred Heart High School) in Missoula. At the time, Sacred Heart Academy was run and staffed exclusively by nuns. Nuns also were in full force at St. Patrick Hospital. Sheila’s exposure to her educators definitely left her with an awestruck impression of them.

“These were all career women. They ran a school, and did so with excellence. They ran a hospital with precision. When I was in school, I only had one classmate with a mom that worked. I so admired the nuns. These were highly educated women who were perfectly capable of running a school, running a hospital. It seemed to me that there was nothing that they couldn’t do. They were my mentors, my examples,” Sheila said.

Sheila recalls thinking she liked the idea of being in charge. The nuns fueled her with a fantastic education, especially in the arts and science. They also heavily encouraged their students to pursue further education, and that’s just what Sheila did.

“I liked the idea of being ‘large and in charge.’ I feel I owe so much to the nuns. They provided me the right path,” Sheila said.

Sheila went to Carroll College (in Helena) where she majored in pre-med with the idea of a career as a speech therapist. That unrealized career path somewhat contributed to Sheila’s present-day job.

Sheila met her husband, Max Murphy, which was a union that kick started her radio career.

“Max’s family was in the radio business. They ran KYSS AM, which is now KLCY 9.30. My first time behind the curtain was a show I did called ‘Listen Ladies.’ It was a show featuring women’s news. I didn’t even get paid for it. ”

Something magical arose. The FCC was granting another FM frequency in Missoula, and encouraged female and minority applicants. The application’s requirements included information on how the applicant would serve the community. At the time, FCC rules prohibited radio station owners to hold more than one broadcasting license. Sheila’s combined qualifications landed her the license, thus giving birth to FM’s 102.5 in 1985.

The evolution of 102.5 brought about some bragging rights. The station currently boasts a coveted number one rating for its morning show, featuring “Rick and Kim’s Mountain Morning Show.” Their show features the Hollywood Dish, a scoop of celebrity gossip, Strain Yer Brain at 6:45a.m. (a prize-winning trivia game), Birthday Bunch at 7:25 (a drawing of submitted birthdays who receive flowers from the Bitterroot Market), local weather, news, and a lot of giggles.

The number one spot isn’t achieved by sheer conjecture. There are two national ratings companies, Eastlan and Arbitron, which are utilized by radio stations to find their ratings, as is the case with Mountain FM. Such a rating is the key to securing and keeping advertising customers, and that, of course, translates into a successful business!

For Sheila and her husband, Max, Mountain FM’s success story is attributed to some components that are essential for their business. Women listeners are the dominate audience of Mountain FM, so much focus on presenting materials for women is given. There is also a focus on the community, the University of Montana, and children.

“You have to love what you do. Sometimes I think you have to be a little ADHD, as you have to focus quickly on something else. In radio, you have to have the ability to pick up and drop it. You might be having fun and being totally off the wall, and then a major news story hits. It’s like doing a different Broadway show each and every day,” Sheila said. “Our focus is to entertain and inform. You have to have something the people want to hear.”

Having a great speaking voice is one of Sheila’s assets for the job. She authors numerous commercials that not only are aired on Mountain Broadcast stations, but also other radio stations, and even TV commercials.

The rules and regulations of the FCC loosened up since Mountain FM’s inception. 1996 was a revolutionary year for the broadcast industry. The FCC rewrote its policy of ownership levels which allowed for consolidation. That allowed for Sheila and Max to open their fairly new two radio stations, Hamilton’s Valley FM 107.9 (“country with a kick,” born in 2007) and Missoula’s KDXT 97.9 (“real classic rock,” born in 2008).

Hamilton’s Valley FM’s popularity has been well received ever since its first airing. Sheila found the perfect niche for the Bitterroot; country music is predominately their preference. That station airs from the First Security Bank building in Hamilton. As morning shows are ultra popular for those of us starting our day, country lovers should check out Valley FM’s John’s morning show. He’ll provide you what you need to get you started for a gorgeous Bitterroot morning. John begins with Valley Headline News on the hour; the Nashville News at 6:15 a.m. and 8:15 a.m.; and the Pledge of the Day at 7:00 a.m. John provides the workday with the Valley FM Workday Kick-Off, 60 minutes of commercial-free country starting at 8:45a.m. Catch “John in the Morning,” weekdays from 5:00 a.m. to 12:00 p.m. on 107.9 Valley FM.

The somewhat new KDXT “Real Classic Rock” station at 97.9/95.3 has programming packed with talent. If you’re into classic rock and want to start the day out with some “light” fun, and with a couple (or more) laughs, then by all means you have to listen in on the nationally aired Bob and Tom Show. Some of the stuff these guys come up with can definitely stir up the body’s endorphins. They are goofy and fun, and typically have guest comedians on the show. Following the Bob and Tom Show is J.J. Quinn, a classic rock lady DJ that plays great rock and is happy to take your special requests (541-9790). As rock is the focus of programming, and you simply want music, then tuning into this station between 6 p.m. and 6 a.m. is the way to go; their “Shut Up and Rock” is broadcasting.

You’re probably thinking, “How does this woman manage all these stations?” Sheila is in the office well before nightcrawlers burrow, and there well after the end of any happy hour. Before, during and after work Sheila might be found participating in, chairing, or developing some sort of community charity or benefit. These include efforts of personal time, airtime, staff time, and monetary contributions she and Max routinely donate for efforts involving organizations such as the American Cancer Society, Go Red, Capital Christmas Tree Campaign, Griz for Kids Toy Drive, and many more. Some of those efforts – such as the Capital Christmas Tree Campaign can involve as much as a year’s efforts to find the shining result.

So, all and all, we Western Montanans are very fortunate to have Sheila Callahan in our corner. We get free fantastic free music programs and a fellow citizen’s caring impact that touches us all. Thanks, Sheila!

Sheila Callahan and Max Murphy’s Mountain Broadcasting has a cool website: moclub.com, featuring the latest news updates, classifieds, real estate, entertainment, station news, key links, and more.

BACK

OUTDOORS: Spring Fishing

The Skwala flies completely fooled us this year. After stating that for the last 4 years there was a live Skwala fly on our counter by the last week in February, it just didn’t happen. The first Skwala was delivered to our shop by our Bitterroot outfitter Jim Mitchell on March the 20th. The Skwala dry fly fishing has been very erratic. It has basically stayed in tune with the weather. There has been lots of raft traffic on the Bitterroot especially from Hamilton north. On March 21st we ran a shuttle from Bell crossing to Stevensville. The fishing access at Bell crossing was ¾ full with no eastside parking. When we got to the Stevensville fishing access we counted around 30 vehicles. It was as if it was the middle of July. There were a lot of people fishing. An interesting note is that even with cold and snowy weather there has been some top water action on dry flies. It seemed that you just had to be at the right place at the right time. The most productive flies overall have been nymphs. Beaded Skwala and Golden Stones, Double bead peacock stones with amber biots, and San Juan worms in red and hot pink. Some have been fishing dropper nymphs in large, small combinations with stone nymphs and San Juan worms. The effective dry droppers have been Skwala, Neumera combinations, or a Skwala, nymph combination.


It is also time to start fishing some of our more traditional dry flies such as March Browns, Brown Drakes, Chuck Wagons, and one of my favorites The Gypsy King.


The White Fish have kept their fans happy with pretty much limits for those who put in the time and find the schools. There seems to be much more fishing activity this year for White Fish. With the 20 fish limit and the times we are faced with I do believe many people are smoking them as well as filling their freezers. They are plentiful and very decent table fare.

The Steel Head fishing has continued to be very decent on the Salmon River in Idaho. Many of our customers have been making the trip on week ends and have experienced varied success.


The Clearwater River in Idaho has been producing some very large fish. Brett Malingo from Hamilton has had a great “BIG Fish” year. His biggest Steelhead was 42 inches and a whopping 22 and ¼ pounds. It was caught on the Clearwater River in Idaho on March 19th. What a great fish with some really beautiful colors. Congratulations Brett………great job.


Hopefully we can experience the true Skwala hatch thru April without being hit with high water. Let’s keep our fingers crossed.

If it doesn’t happen right……this is Montana and the entire 2009 season is all ahead of us. Sit back and get ready to enjoy.


At the shop we are busy getting ready for the season, but next month we will be back to our Fly of the Month segment.

BACK
HISTORY: The Case of the Missing Rune Stone

A mystery has been brewing on the West Fork of the Bitter Root for many years, with little evidence to indicate any solution in the foreseeable future. An historic, if somewhat cryptic, large stone slab has been missing now for almost fifty years from its proper place in front of the old Alta Post Office, and if anyone knows of its whereabouts, they’re not talking. The granite slab was a local landmark, and the mysterious writing on the stone was certainly as intriguing as its eventual disappearance. The rune stone had a boldly lettered message that some people found difficult to decipher. TOTI EMUL ESTO rolls off the tongue like some sort of strange and ancient form of Latin, or some other long forgotten language that should never have found its way to a small mining community in western Montana. Whether the inscription really dated back to the days of the West Fork Gold Rush now even appears to be in doubt. An anonymous informant believes that the lettering was actually done in more recent times, well after the hustle and bustle of the Hughes Creek bonanza had faded into complete obscurity.

If the stone was original, or even embellished at some later date, is of little consequence really, it merely places the missing monolith in the dubious company of other infamous stone relics that have surfaced in odd places throughout the country. Most of these mysterious stones appear to portray questionable tales of lore that usually don’t quite fit in with your typical American History lesson. One of the more interesting discoveries was unearthed by a farmer’s plow in Kensington, Minnesota, in 1898. The Kensington Stone supposedly provided strong evidence that a group of Norsemen had visited the mid-west just a few hundred years after Leif Erickson visited North America. The crude runic symbols are expertly chiseled onto a 200-pound slab of gray sandstone, and tell the tragic story of a failed early mission of discovery.

According to one translation the runes are said to proclaim that, “Eight Goths and twenty-two Norwegians, upon an exploring journey from Vineland, came very far west. We made camp by two rocky islands, one day’s journey north from this stone. We were fishing one day, when we returned home we found ten men red with blood and dead. Ave Virgon Marie, save us from the evil. We have ten men by the sea to look after our vessel, forty-one day’s journey from this island. Year 1362.” Could the vessel they mentioned have been anchored at Hudson Bay? And whatever happened to the twenty men who left this strangely fascinating message behind? For many years the stone was considered by experts to be an outright hoax, primarily due to inconsistencies in the phraseology and grammar used in the text, at least as far as it was understood at the time. Recent studies would seem to indicate that the odd phrasing and improper use of grammar is actually quite consistent with 14th century Nordic runes.

Another interesting stone was found in a burial mound in Davenport, Iowa in 1874. This remarkable find, known as the Davenport Calendar, is written in three different languages, which would make it something akin to a North American Rosetta Stone. The unusual tablet is written first in Iberian Punic, which was a language used exclusively in northern Portugal and Spain. The same text is then repeated in ancient Libyan and Egyptian scripts. It appears to be the only tri-lingual text of these particular tongues known to exist in the world. The burial mound also contained the skeletons of two adults and a young child, surrounded by numerous artifacts, which seem to be of North African or Iberian design. The text of the stone tablet gives specific details required for the construction of an equinoctial calendar, which would be used for accurately defining the four seasons. The authenticity of this artifact appears to be irrefutable, seeing that the ancient Iberian and Libyan scripts had supposedly yet to be deciphered at the time of its discovery!

An unfinished calendar discovered in Oklahoma, known as the Pontotoc stele, also points toward an Iberian-Egyptian connection. Scripted in Iberian Punic, it is apparently a partial extract from a hymn written in the 13th century B.C. by the Egyptian Pharaoh, Akhnaton. The tablet states that “When Ra rises in the east, the beasts are content. When he hides his face, they are displeased.” The inscriptions form the shape of a pyramid, with the sun at the top, and four equal triangles radiating downward, presumably representing the four seasons. For some reason the tablet was never completed, the author having only fully inscribed two of the four panels. When and how these strange artifacts came to the New World is any one’s guess, that is, if they even came here at all. It’s possible they were all made by some crafty forger who took a certain amount of pride in the fact that he had fooled some of the leading scientists of the time.

One of my favorite ‘hoax stones’ was found by an Idaho farmer in 1931. The farmer claimed to have dug up a rock naturally shaped like a human head, which had “John Colter” carved on one side of the skull, and the year “1808” on the opposite side. Though it’s certainly possible that Colter may have been in the part of Idaho west of Grand Teton National Park during that time period, the fact that the farmer was seeking a horse concession with park authorities really throws a shadow of doubt on the authenticity of the artifact. Reportedly, he was actually granted the concession when he donated the Colter Stone to the park museum!

I have one more hoax to mention before I return to the subject of the West Fork rune stone. This particular inscription involves a carving on a tree rather than a stone, but the intentions of the industrious practical joker were undoubtedly the same as all the others, to ‘pull one over’ on the so-called experts. Situated just west of the Continental Divide, near Monida Pass, there stood for many years a very old quaking aspen with the mark of a famous frontiersman carved upon it. The inscription read “D. Boon 1776” and it really caused quite a stir among the local population! Was it possible that Daniel Boone could have been beyond the headwaters of the Missouri the same year that America was claiming her independence from England?

Oddly enough, it is entirely possible. Boone would have only been forty-two years old at the time, and he was actually living along the banks of the Missouri when Lewis and Clark traveled up the river in 1804. Tree carvings by Daniel Boone have been found in many of the locations he explored, in fact, one dating back to 1760 was first noticed ten years later in 1770, and was photographed in 1853. He normally chose beech trees for his carving because of their smooth skin, but here in the Rocky Mountains a quaking aspen would certainly make a suitable substitute. And, it just so happens that there seems to be a full ten-month period where his actual whereabouts is unknown, beginning late in 1775, and ending in the middle of 1776.

All of this evidence appeared to prove that Boone had made the trip to the upper Missouri, and that he had left his mark on an aspen tree well before Lewis and Clark began their epic journey! Unfortunately, a tree ring analysis later proved that the carving could not have possibly been made before the 1870’s. This date does happen to coincide with a series of expeditions led by Dr. Ferdinand Hayden, a cofounder of the U.S. Geological Society, who headed several fact finding tours to the Yellowstone region. The tree carving is not far from West Yellowstone, and it has been suggested that this company of well-educated explorers may have been responsible for a number of hoaxes perpetrated throughout the area. It seems likely that whoever committed this particular hoax had actually brushed up on their history, and were aware of the fact that Boone and a “few adventurers” had gone off “to see the country” during the period of time in question. Daniel Boone spent about twenty years on the Missouri, and died in 1820 at the ripe old age of eighty-six.

By now you’re probably asking yourself, “what in the world does any of this have to do with a missing stone up the West Fork,” and luckily, I’m about to come to that part of the story. Gold was first discovered on the West Fork of the Bitter Root by Barney Hughes, one of the original discoverers of the rich diggings at Alder Gulch near Virginia City, Montana. Hughes soon moved on in his endless quest for the Mother Load, but the locals, who actually managed to take out a substantial amount of gold over the years, avidly pursued the claims located on Hughes creek. A town was soon established near the ranger station at Alta, which by the way, was the first ranger station constructed in the United States.

A Post Office opened at Alta in 1898, and in front of that establishment there once stood a large stone that according to some accounts was nothing more than a stark and bare pillar, serving only one purpose. Then, at some point in time, a couple of quick-witted fellows came up with the bright idea of making the stone a little more noticeable. And so they approached it with a bucket of black paint, and using plain and simple English they boldly produced the following instructions: TOTI EMUL ESTO. Yep, the clever pranksters had effectively pointed out exactly what any reliable and self-respecting prospector who ever left his pack animals parked on the street would already know, you should always find something “to tie mules to!”

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COMMENTARY: Change is Good
Hog-tied & Brainwashed

Over 30 years ago I was sitting in my tractor listening to the radio while I methodically plowed back and forth from fence line to fence line. I was listening to an ad from Wal-Mart. The ad went something like this: “Are you paying too much? Our prices are falling everyday.” These may not have been the exact words, but over time they began to implant in my brain that I was paying too much by shopping at my local store. In turn, the local store was gouging me out of my money. The other impression I was given is that the only thing that really mattered in regards to my purchase was paying the lowest price and that the lowest price could only be found at Wal-Mart. The influence that these simple marketing words have had on our generation has been more significant than many of us ever possibly realized. Wal-Mart, in effect has changed the way we think about purchasing, retail employees, and how we treat retail businesses in general.

After many years on the farm my dad sold out and I moved to town. I obtained a business degree and jumped right into the retail business. While going to school I worked in a specialty retail store and then started my own retail business that I have had for 20 years. In the years since I left the farm, I have seen almost all the small country stores close in rural Montana. They fell victim to the philosophy that they were charging too much. Even in the larger towns the larger chains replaced small businesses. Price competitiveness replaced social responsibility. No longer did we feel the compulsion to support our neighbor’s business, because we had been told he was charging too much for his products and that we as consumers should demand the lowest price.

In recent history, we are seeing retail businesses fall like flies. One business that is flourishing is Wal-Mart. They have had strong stock prices throughout the recent market crash. People in hard times are shopping exclusively at Wal-Mart because they believe that they are truly getting the lowest price. Wal-Mart has done such a good job of training us that we don’t even bother to price check their integrity.

Here is an example of what I mean. I needed some plumbing supplies to replace several traps that had frozen in my cabin. I went to Triple S hardware in Butte and purchased three traps each costing $4.00 each. I then went to Wal-Mart and priced the same traps and found them to be $6.00 each. I would have paid 50% more for these items if I had gone to Wal-Mart. Marketing really works on our brains. After being in the retail business for 25 years I have found that every small business needs at least a 30% margin to pay its bills and in most cases a 40% margin pays the bills. Wal-Mart is no different. From the items they sell for less they have an equal amount of items they really sell for more. At the end of the day they have to do the same amount of percentages that the rest of us have to do to pay our bills. There cost of employment is no different than any other business. There main focus that has made them so successful is changing the way we think, or the way we lack in our thinking.

It is easy to rag on about Wal-Mart and how bad a company they may seem to be, but what concerns me more than anything is the way they have coerced the American consumer into thinking the only thing that matters is price. To further explain my point I will recount several retail experiences from the past few weeks.


I recently helped a friend do a going out of business sale. During the sale we had many folks come to the store and purchase items at discounted prices. These customers saved an incredible amount and helped my friend sell off his inventory. These same folks had been around for seven years buying gear and supporting the business. There were quite a few folks that came in and offered to buy gear if he would give them an additional 50% off. This of course would mean that he would lose money. My friend would politely say that he could not sell the items below his cost and would not meet their demands. These customers would walk out mad or make some degrading remark before leaving. I was a little shocked at their behavior and a little discouraged at the disrespect they showed my friend. Here was a man who provided a service to his community, worked hard and tried to do the best job he could to satisfy their needs and is treated harshly in his attempt to salvage his investment. I left thinking that these consumers were greedy parasites that could only think about their own self-interests with no respect for anyone else.

In my own store I have always wondered why people treat retail clerks like the scum of the earth. The consumer tries to avoid eye contact with approaching clerks and usually responds to “Can I help you” with an automatic “No”. You would think that the clerk had the plague. In no other industry or occupation do we stereotype salespeople like we do in the retail business, whether it’s in a specialty store, department store, or the corner car dealership. In one form or other we are all in sales. We all sell something whether we are doctors, engineers, truck drivers, or retail clerks. We all have to perform and do our jobs and should be treated with respect no matter what our pay scale is. We are all human beings with dignity and self-respect who should be treated with a common courtesy. We are all out there in the world making a difference and trying to live a productive life and enjoy the things that make us happy. No one should treat us like second-class citizens.

A good friend of mine who has run a large retail chain told me that he expects 50% of retail business to disappear in the months to come. He is probably right. We have lived the good life for some time and retail has flourished. The consumer has over spent and is now realizing his mistake and cut back. The glory days of retail have disappeared and only the strong will survive. Small businesses are going to close their doors forever and we will lose a friend, neighbor, contributor and service we will surely miss. There is more than price that matters in this consumer world. We should not expect someone to lose money, so that we can have a cheap pair of skis. We should respect a person’s ability to make a living and if we can’t afford to pay the local price we should wait until we can. The local businessman is more important to us than an Internet sight. The local man buys his home, business property, pays local taxes, contributes to charity, goes to church, builds Habitat houses, belongs to local organizations and supports local schools. Why should he be treated like a second-class citizen? If I had a message to broadcast I would tell the consumer that there is more to his purchase than the price and his own self-interest. Think locally and be aware of the people you live amongst; be conscious of the strength of your community and understand that it really matters how you spend your money.

There is more to this world than price and self- interest.

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REAL ESTATE: “Market Value of Real Estate”

Recently, I have heard many people discussing “market value” and it seems like a good time to dispel some of the misinformation. So, what is an opinion of market value, and who can provide you with an opinion of market value for your real estate? Actually anyone can give an opinion, but when it comes to an opinion of market value for real estate, there are legal restrictions for different professionals.

Many people will tell you that market value is what you can get someone to pay for a particular sale item. Typically, the opinion of market value for real property is developed and reported by professional, state certified, real estate appraisers, who use the sale prices of similar property, rent data, and building costs as a basis for their opinion. Real estate agents provide Broker Price Opinions (BPO’s), which is an opinion of a recommended property price, based on a comparative market analysis, commonly referred to as a “CMA”. These are slightly different opinions which can be different dollar amounts for a specific property even when developed by professionals on the same day.

The fundamental difference in these two opinions is relative to the intricacies associated with the definition of market value, which is required by law within an appraiser’s report, along with a reference to the source of the definition. Currently, the appraiser’s definition is provided by government-sponsored enterprises (GSE’s) (which were chartered by Congress) within their appraisal forms used by financial lenders and known as the 1004-form. The two GSE’s and authors of the appraiser’s 1004-form, are Freddie Mac, which is the nickname for the Federal Home Loan Mortgage Corporation, and Fannie Mae, which is the nickname for the Federal Housing Finance Agency. Together, these two agencies hold the majority share of the market for home loans.

The definition of market value supplied by the GSE’s is:

“The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions granted by anyone associated with the sale.”

This definition of market value specifically indicates, “a reasonable time is allowed for exposure in the open market” (3). When developing an opinion of market value, an appraiser must (by law) also develop an opinion of reasonable exposure time linked to the value opinion.

A “broker’s price opinion” is not an opinion of market value, but rather a recommended property price, which is usually associated with a “list” or “asking” price for a specific property, within a specific market, and under specific market conditions. Because a BPO is related to the expected future sale price of a specific property, the agent providing the BPO is dependent on the available inventory of competing actively listed properties, whereas the appraiser is more dependent the closed property sales.

The BPO is an opinion, provided by a licensed real estate agent for listing a specific property with an expected future closing date. The licensed appraiser’s opinion of market value is as of a specific date and also requires an opinion as to the exposure time linked to the value opinion. Exposure time is always presumed to precede the effective date of the appraisal. Exposure time may be defined as: the estimated length of time the property interest being appraised would have been offered on the market prior to the hypothetical consummation of a sale at market value on the effective date of the appraisal; a retrospective opinion based on an analysis of past events assuming a competitive and open market.

It is important to know that state regulated appraisers cannot legally offer BPO’s and state regulated real estate agents cannot legally provide opinions of market value for real estate. Again, these are two separate opinions developed by separate professionals with separate regulatory agencies. Appraisers can legally offer their opinion of market value for a potential listing, as long as they properly disclose the scope of work to their client.

Darwin Ernst, Montana Residential Certified Appraiser, Montana Real Estate Appraiser Board Member, Licensed Real Estate Agent, Appraisal Institute Associate Member, & President of Independent Valuation Solutions, LLC

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