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Missoula’s Gateway Community Federal Credit Union’s amazing 41-year success story
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| By Shannon Selway |
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On August 22, 1968, eight mill workers of the International Paper Workers Union Local #885 created their own credit union, Pulp Sulfite and Paper Mill Workers Credit Union (PSPMW). In doing so, each of the eight put in $5 which represented one share and a membership, making a whole whopping $40 as the seed money.
“Back then, getting a loan was a lot harder to do than today. When we went to union meetings, folks started talking about how hard getting a loan was, and that got us thinking,” Said Jim Cash, one of the original eight creators.
Now 41 years have passed, and that seed money has snowballed to just under $50 million in assets and over $38 million on loans to its members of 6,000 strong.
“I never dreamed it would get as big as it did!” Cash said. “I still have my account number, which is #6!” (James L. Cash was the sixth signature on the charter.)
That’s an incredible accomplishment when considering the basic principle behind credit unions: they are owned and governed by its members. The concepts of what a credit union does are based on a few core ideas. Only credit union members should borrow there; loans would be made for “prudent and productive” purposes; a person’s desire to repay (character) is considered along with the ability (income) to repay. Most importantly, members borrow their own money and that of their friends. These principles still govern most of the credit unions in the world today.
“Most people don’t recognize the concept of a credit union. Credit unions are privately owned; you have to be a member. It’s people in a common pool...trust of your neighbor,” Said Cash.
Turning $40 into enough capital to lend took time, and as more and more time passed and memberships grew, the Credit Union began to do what it was created for: making loans and providing dividends to its members. With each loan being repaid with reasonable interest rates, the Credit Union was building, and getting just a little bit bigger, gathering strength.
One aspect that assisted the progress of the Credit Union was the automatic payroll savings deduction for workers at the mill (the then Horner-Waldorf Mill now Smurfit-Stone Container). Having regular deposits increased the coffer plenty enough that making car loans and such was routinely doable.
Later, another building block for the Credit Union was expanding membership eligibility outside of the mill workers of #885, and in doing so, all forest products-related workers and their families could join. The Credit Union was renamed Forest Products Credit Union. The Credit Union would see its name changed twice more through the years.
For several years, the Credit Union was located in a board member’s basement down Mullan Road, which was considered very much “in the country” back then. Members would go out back to a dedicated entrance, sometimes having to negotiate around some of the exotic rabbits being raised on the property.
By the early ‘80s the Credit Union then gathered enough economic muscle to buy a building of its own, which was located on North Russell. Part of that new “muscle” was the membership qualifications expanded to include other business members, such as members of Blackfoot Telephone Co-operative and Missoula Electric Co-operative. It was around that time the Credit Union bore the name Missoula Valley.
By 1990, the Credit Union had about $4 million is assets and was still growing stronger. That was around the time Jim Jacobson, Gateway Community FCU’s president, came on board. It would be seen that the next 15 plus years, with Jacobson’s foresight and wisdom (and a very talented crew), and the mix of federal credit union guidelines and policies changes that $4 million would be multiplied 10 times over.
Jacobson recognized the need to expand eligible members in pursuit of growth.
“We needed to grow; we needed to diversify. A community credit union would make it easier to grow,” Said Jacobson. “We needed to expand to keep up with technology. It took three years of petitioning documents to allow us to go to a community-based credit union, but we did, and were one of the first credit unions [in Montana] to do so.”
So, it was during 1995 that the Credit Union was granted a community charter for the Missoula Community, allowing Gateway Community (its final name fitting its new course) to offer credit union services to virtually everyone in the Missoula area. Since that occurred, Gateway Community has grown in leaps and bounds, and offers virtually all services that a conventional bank does.
One of the accomplishments of the Credit Union is that the premiere national credit union watchdog, Callahan and Associates, consistently awards a rating of the best 5% of credit unions in the country to Gateway Community. In Montana there are about 60 credit unions and only about 1 3 are even ranked. Gateway Community is always ranked in the top. Ranking is based on safety and stability of the credit union, as well as lending practices again, a credit union’s mainstay.
Part of the stability and solidness of Gateway Community is its practice of investing. Capital that is not loaned out to its members is invested in secure avenues such as certificates of deposit or treasury bills. With our current economy, that prudent direction definitely “paid off,” and its members’ monies are as solid as ever.
As of today, Gateway Community has three locations in Missoula: 2300 Great Northern Way (behind Northgate Plaza on North Reserve), 3624 Brooks (by K-Mart), and its newest addition at 4500 Expressway.
Having a membership to Gateway Community has many benefits. Members enjoy less fees and interest rates than a conventional bank, and most of the monies stay right here, in our town.
GCFCU offers services such as savings and checking accounts, Visa credit cards, ATM and debit cards, private access line (a 24 hour phone teller), multiple types of loans ranging from automobile, leisure craft, vacation, mortgage, and so on. And, members have all the “bells and whistles” of on-line transactions such as bill pay and account management.
To become a member, one needs to live, work, or worship in Missoula, is serviced by Missoula Electric Co-op, or Blackfoot Telephone Company, or has immediate family whom are eligible to be members of the Credit Union, and a $5 savings deposit that makes you a member. For information or inquiries call (406) 728-4475.
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HISTORY: A Christmas at Saleesh House
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By Wm. W. Whitfield
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Reader beware! This is not your typical story of holiday cheer and good will towards men. The tale I’m about to unfold is not for the squeamish, nor the faint of heart. Furthermore, the harsh realities reported herein might serve to dislodge any romantic notions that certain readers may have concerning the idyllic lifestyles of our native brothers, especially as they are often portrayed in various forms of fiction. Contrary to popular belief, all was not calm and peaceful on the western front before the coming of the white man. In fact, tribal warfare was generally accepted as a way of life in the West, and many of the indigenous people were locked in a constant and unforgiving struggle for dominance over their neighboring tribes.
Fierce wars were waged in order to retain hunting rights on land that was widely contested, and vengeful animosities ran deep, sometimes spanning countless generations. In this endless battle fought for tribal dominance, unspeakable acts of cruelty were often perpetrated against lifelong foes. The following story will demonstrate the imbedded hatred and mistrust that existed between two of these rival tribes at the time. Of course, similar stories of conflict and strife can be found throughout all societies of man, regardless of race, creed, or color, and there are seemingly no limits to the unimaginable horrors that men will subject their fellow men to. However, as this particular story reveals, all men do have the opportunity to redeem themselves, especially when they are presented with the proper incentives.
The year is 1813, and a young man by the name of Ross Cox has been sent from Fort Astoria, near the mouth of the Columbia, to conduct trade with the Salish and Kootenai Indians of western Montana. Cox had entered the fur trade at the age of 18, and within a year had helped to establish a trading post on the Clark Fork of the Columbia while serving as an employee of the Pacific Fur Company. When Fort Astoria was sold to the NorthWest Company in 1813, Cox signed on as a clerk with the new owners, and was soon ordered by the company to return upriver to take command of an outpost known as Saleesh House. Cox was already familiar with the region, and the post he had helped to establish the year before was situated just forty miles west of Saleesh House. David Thompson, cartographer and explorer for the NorthWest Company, had built Saleesh House in 1809, and the crude log structures were the first permanent buildings constructed in Montana west of the Continental Divide. The fort was located near the confluence of the Thompson’s and Clark Fork rivers, in the vicinity of present day Thompson Falls.
Ross Cox arrived at the outpost on the 24th of December 1813, and the supplies and trade goods he brought with him were a welcome sight to both the men who were stationed at Saleesh House, and the Indians who were eager to trade their valuable furs for tobacco and ammunition. In his daily journal Cox reported that a “large band of the Flathead warriors were encamped about the fort. They had recently returned from the buffalo country, and had revenged their defeat of the proceeding year by a signal victory over their enemies the Blackfeet, several of whose warriors, with their women, they had taken prisoners.”
In anticipation of the Christmas Eve festivities, Cox brought along a bag of flour, a bag of rice, plenty of tea and coffee, and a generous supply of prime rum. The traders spent a relatively happy evening together gathered around a blazing fire in a warm room, but Cox noted that there was “a great drawback from the pleasure we should have otherwise enjoyed. I allude to the unfortunate Blackfeet who had been captured by the Flatheads. Having been informed that they were about putting one of their prisoners to death, I went to their camp to witness the spectacle.” When he arrived at the scene Cox saw that the Flatheads had tied the enemy combatant to a tree, “after which they heated an old barrel of a gun until it became red-hot, with which they burned him on the legs, thighs, neck, cheeks, and belly. They then commenced cutting the flesh from about his nails, which they pulled out, and next separated the fingers from the hand, joint by joint.”
Cox says that during the torture the prisoner never winced or cried for mercy, instead he lashed out with demeaning verbal reproaches, further spurring on the barbarous ingenuity of his tormentors. “My heart is strong,” said the fearless enemy. “You do not hurt me. You can’t hurt me. You are fools. You do not know how to torture. Try it again. I don’t feel any pain yet. We torture your relations a great deal better because we make them cry out loud like little children. You are not brave, you have small hearts and you are afraid to fight.”
Boldly facing his tormentors, the prisoner noticed a particular foe and taunted him with a personal affront. “It was by my arrow you lost your eye.” The angry Flathead quickly lunged at him with a vengeful rage, scooping out one of his eyes with his knife, and cutting the bridge of his nose nearly in two. The captive was unfazed. He looked at another brave with his remaining eye and said, “I killed your brother, and I scalped your old fool of a father.” The enraged warrior sprang upon him, viciously removing his scalp from his head, and was about to plunge his knife into his heart, when the Salish chief stopped him. The captive stared at the chief with defiant contempt and said to him, “It was I that made your wife a prisoner last fall. We put out her eyes. We tore out her tongue. We treated her like a dog. Forty of our young warriors…” Infuriated by the mention of his wife, the Salish chief angrily took up his gun, and before the desperate captive could finish his sentence, the chief shot him through the heart.
Cox reported that “Shocking as this dreadful exhibition was, it was far exceeded by the atrocious cruelties practiced on the female prisoners, in which, I am sorry to say, the Flathead women assisted with more savage fury than the men. I only witnessed part of what one wretched young woman suffered, a detail of which would be too revolting for publicity.” Cox protested vigorously against the unspeakable cruelties committed upon the Blackfeet captives. He was in turn informed that the Blackfeet treated them in the same manner, and that it was the custom of all warriors to exact this type of revenge upon their enemies.
After the Salish had explained their position, Cox says that a young female was led forth, “apparently not more than fourteen or fifteen years of age, surrounded by some old women, who were conducting her to one end of the village, whither they were followed by a number of young men. Having learned the infamous intentions of her conquerors, and feeling interested for the unfortunate victim, we renewed our remonstrance’s, but received nearly the same answer as before.” Finding the Indians still inflexible to their demands, Cox and his men attempted to adopt a different tact. “We ordered our interpreter to acquaint them that, highly as we valued their friendship, and much as we esteemed their furs, we would quit their country forever unless they discontinued their unmanly and disgraceful cruelties to their prisoners. This had the desired effect, and the miserable captive was led back to her sorrowing group of friends.” The traders told the Salish that their redeeming act of self-denial was admirable, and that as a result they had insured a permanent residence among them, and in return for their furs, they would always be furnished with guns and ammunition to repel their enemies.
With these incentives in hand, the Salish chief faithfully avowed that no more tortures would be inflicted on the prisoners, and Cox believed that the promise was rigidly adhered to, at least for the remainder of the winter. Cox had promised the chief that if he sent the captives home uninjured, he would ask his fellow traders on the east side of the mountains to exert their influence over the Blackfeet, and induce them to follow the chief’s example. He stressed the fact that ultimately this might be the means of bringing the two rival nations closer to a lasting peace. Eventually, all of the Salish chiefs consented to the plan, and at the end of the winter the prisoners were furnished with enough horses and dried venison to get them back home amongst their loved ones.
The rivalry between these two tribes had been going on for many generations, and up until the Canadian traders started providing the Blackfeet with guns, the Salish usually enjoyed the upper hand in most of the battles. By the time modern weapons reached the Salish people, nearly two decades later, their population had been considerably decimated by an unrelenting war with the Blackfeet. The Salish had taken refuge in the western-most part of Montana, and only ventured east of the divide for their seasonal buffalo hunts. The temporary peace that was affected by Ross Cox and his fellow traders on that Christmas Eve so many years ago was not enough to completely wash away the immeasurable pain and suffering these ancient enemies had inflicted on one another. It wasn’t until forty years later when a peace treaty known as the Blackfoot Council finally brought an end to their persistent aggression and the constant sorrow born of it.
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ECONOMY:Holiday Giving: What’s it all worth?
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| How she changed her view of truckers as being an annoyance, to them being highway heroes. |
| By Rod Daniel |
As the holiday season draws near, there are plenty of reasons for people to take a step back from the excessive consumerism that has come to dominate Christmas.
High unemployment, home foreclosures and an over reliance on credit are no longer abstract topics in the national news. We all know families who are struggling, and many of us find the prospect of buying gifts for our friends and family more unsettling now than in years past.
My wife and I both feel fortunate to have good jobs and steady paychecks at a time when many of our friends are out of work. But our commitment to break the cycle of excessive Christmastime consumption began long before our nation’s economy tanked.
We both were raised in loving and generous families with long traditions of exchanging gifts during the holidays. And when our daughter was born five years ago we quickly realized that her grandparents enjoyed giving gifts at least as much as she would enjoy receiving them. On her second Christmas, spent with family in Colorado, our toddler received so many gift-wrapped toys that it took two days for her to open them all. She got so many gifts, in fact, that they had to be shipped to Montana in three giant boxes.
The irony is, when the booty arrived, Rosalyn had more fun playing with the big cardboard boxes than the myriad toys. We cut doors and windows in the boxes and Roz played “house” in them for weeks! We decided then and there to let our family know that we did not want our daughter to grow up associating Christmas with what we felt was excessive gift-giving.
After having several tactful talks with the in-laws, we all agreed to downsize our gift exchanges, focusing instead on simple pleasures like family, food and conversation. We still exchange gifts, but we keep them simple homegrown, handmade, local and we wrap them in newspaper instead of expensive wrapping paper.
The process hasn’t been easy. Resisting the temptation to shower your loved ones with high-priced stuff is made difficult by the millions of dollars big-name retailers spend each year to persuade you to buy from them. Catalogs, credit cards and Web sites beckon like barkers at a carnival. Saying no on a daily basis takes resolve, like the decision to hang up on telemarkers every time!
Buying nothing
Of course, my wife and I are not alone in our desire to cross materialism off our Christmas list. A number of national and international movements are preaching a similar gospel. Buy Nothing Christmas is a national initiative started by Canadian Mennonites dedicated to reviving the original meaning of Christmas giving.
Their Web site -- buynothingchristmas.org -- gives a number of suggestions for no-cost or low-cost Christmas gifts, including compiling a recipe book from old family recipes; creating coupons that offer free babysitting or housecleaning; making cards from recycled paper; and making mini loaves of quick bread.
Attracting the attention of thousands of people, Buy Nothing Christmas offers hundreds of ideas geared toward the true spirit of giving. Its goal is to help people with “a thirst for change and a desire for action,” encouraging them to “put up posters in your church, place of worship, home or work” to promote its movement.
Buying local
A similar movement nationwide focuses on the many virtues of buying locally. While not shunning the idea of spending money on Christmas gifts, the “buy local” movement seeks to expand local economies by circulating dollars within the region.
In the Missoula area the Sustainable Business Council is promoting “Think Local, Buy Local,” a grassroots campaign dedicated to preserving the unique character of our community through the promotion of locally-owned businesses.
Shopping at locally owned, independent businesses will bolster the economic base of the area since local businesses are more likely to use other local services and products. Because consumer dollars stay in the community, the effect of individual purchases is much greater than if the money were spent on internet shopping or at a national chain store.
In my mind, buying from locally owned businesses allows my relatively insignificant earnings to be multiplied within my community. If I take my paycheck and spend part of it at a locally owned grocery or bookstore, the owners will use that money to pay their employees, who in turn may spend their paychecks at local restaurants or clothing stores.
Economists estimate the turnover rate on money spent at locally owned businesses to be from five to eight. That means the $50 I spend on a gift certificate to my favorite restaurant translates to $250 to $400 spent within the community.
So for the folks in our community who are unemployed or underemployed, I suggest embracing the buy-nothing spirit of giving. Unique and heartfelt gifts don’t have to be costly and are only limited by one’s imagination.
And for those of us who are lucky enough to be employed in these tough economic times, I say “Buy local.” The possibilities for enriching the lives of friends and family with local gifts are endless.
Trifle to treasure
A couple of years ago, when I was home visiting my mom, a trip to the attic yielded some cherished photos of my family. In particular, I found a small black and white photo of my dad and his twin brother standing in front of their first car a used but polished 1938 roadster they would share. The image of the two wide-eyed 15-year-old boys in 1940, standing proudly against the backdrop of the dust-bowl ravaged Texas Panhandle, had all the elements of a classic photograph. It could have been in Life magazine.
Last December, I took that little picture to my local photo store, and for less than $10 they printed two 12-by-16-inch prints. Then I took the prints to my local frame shop and had them framed for about $50. The framed prints were gifts to two of my brothers, who I hope will cherish them as family heirlooms.
According to experts, the economic impact of my purchase to my community was from $300 to $500. To me and my family, it was priceless.
Merry Christmas and Happy Holidays!
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| HOSPITALS: Marcus Daly Hospital receives Quality Achievement Awards |
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| By Brian Eder |
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Marcus Daly Hospital has received four Quality Achievement Awards from the Mountain Pacific Quality Health Foundation which includes Montana, Wyoming, Alaska and Hawaii. The main award is the Quality Achievement Award, which has the following criteria.
Heart Attack:
National measures were taken into consideration. From the time a person is admitted to the time he is treated.
Heart Failure:
The administration of certain medications, the measurements of heart function to get an accurate assessment of the situation, to get the patient treated accurately. Discharge planning including taking appropriate follow-up care after the patient is discharged from the hospital to prevent any future risk.
Pneumonia:
Communicable diseases, setting a protocol of the type of antibiotic selection driven by CDC data to ensure the best possible medication for the patient. Plus the appropriate time to administer that medication.
Surgical Infection Prevention:
Timing is key here, with the right antibiotics given within a short period of time, (within 1 hour of the incision time), and antibiotics being discontinued within a period of time after a surgical procedure. With antibiotic choice and timeliness of administration the Surgical Infection rate is already the lowest in the State.
Leadership:
Physician, Staff and Patient education. Including educating the public on why we do what we do. There are several Committees who meet on a regular basis for the purpose of increasing quality care throughout the Hospital and striving for excellence in what they do. The Committees include: Physician Support Team, Standards Team, Leadership Development Team, Reward and Recognition Team, and the Customer Loyalty Team. They continue to meet on a regular basis continually improving health care, meeting two times a month, with leadership training on a quarterly basis.
“Four years ago, the Marcus Daly Hospital Board made a decision to work on improving the culture of excellence in making the Hospital from a good Hospital to a great Hospital,” said John Bartos, CEO. “We want the public to look at us as their health care giver for whatever need they have.”
“The Culture of Excellence was a top down decision involving everyone. Once that was established, the awards followed. It was not something we were seeking.” Brian Kelleher, Chief of Medical Staff, stressed.
Residents of Ravalli County to have accessibility to all of the Clinics, Primary care doctors, Acute Care, In patient, Out patient, ER Physicians, EMS to all the facilities the Hospital has, including Hospice and Home Care. They are working as a team of Doctors, Nurses, Employees, and Volunteers.
The hospital brought in and consulted with Baptist Hospital out of Florida for a period of two years to help the hospital organization move the mind set of the staff to seek and follow a culture of excellence. The awards that followed are a result of the efforts of the entire hospital staff, from housekeeping to administration. The Staff at Marcus Daly exhibits top to bottom commitment and they are a team.
Other awards include:
Reducing the risk of pressure ulcer development
State ranking in the Home Health Agency, where they are rated number one and in the top 5% nationally -
Their Mission Statement is:
We are committed to quality, accessibility and personalized health care.
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| Elk Medallions |
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December is a great month. Why?, because there is so much to plan and enjoy with the Christmas holiday, Make it a special Christmas by using the game you have harvested just a month or so back. As with most holidays, it reminds me of past days and fond memories as a child. It was a time of no worries other than making it through school and keeping a step ahead of mom and dad.
There were some great experiences with family and friends. My father had his own business and really was so busy that we did not get many chances to have a lot of laughs or spend leisure time together. However I do cherish the times we did have. The first time we went fishing together I was giddy with excitement. I was invited to go fishing with my dad and the other grown ups. It seems to me that we all too soon forget how it was to be young and how we now, as adults, love to look back and see what a uncomplicated world we lived in. These times for me encompassed the early fifties and sixties.
I can remember riding my balloon tire, single speed bike, to literally the corner market, and buying bread at a hefty price of fifty cents a loaf. I was always allowed to buy one penny candy for making this helpful trip to the store. Do you remember the trips to the beach or mountains?, and filling the car for about 17 to 19 cents a gallon. You could fill the car and eat heartily for about ten bucks or a bit more. The best parts of these trips was seeing the aunts and uncles and listening to their stories of their youth. Nobody had expensive graphite rods, float tubes or boats. My first fishing rod consisted of a piece of wood with line wrapped around it with a bobber, weight and hook. It was called a drop line and would be perfect for most kids today if they weren’t so spoiled with expensive gear. You would simply throw it from shore, watch your bobber for movement and catch bluegill or any other swimming critter. It did not matter how big the fish was because of the excitement of seeing that bobber disappear and catching that fish.
I can remember an elderly gentleman who would constantly tease us kids and gross us out. He would bite every bluegill he caught in the head and toss them into a container of ice. He always made sure we kids were looking before he went through the whole routine. My dad said he really loved kids and teasing them. I think he did it so he could rinse his mouth out with a bit of his home made red wine.
Do you remember the great smells of homemade pies and cakes? No store bought ones in my mother’s kitchen. How can we ever forget the smell of fresh baked bread and fried chicken. My favorite pasta was the homemade pasta that my grandmother laid out to dry on every available flat surface with clean sheets to lay and dry them on. Being Italian we had pasta with about every meal.
It was also quite an event when my father uttered the phrase “ you can use the gas mower today”. No more push mower for me. I could conquer any lawn with my Dads power mower.
At the top of my list of fond memories was my first b b gun. My mother was dead set against it, but my older sister gave me a genuine Red Ryder Repeater. There was not anything safe around me and my repeater. Of course I was careful so as not to have it taken away. My father and his father grew up on game birds and rabbits in Sicily, a very poor part of Italy and they were a main staple.
In our youth we were able to have a good time with the simplest things in life. Just take a moment to think back on the joys of our youth and forget about cell phones, computers, bills and what your neighbor has. Make a mental picture of what you saw while listening to the radio and what you heard. That mental picture of the Lone Ranger, The Green Hornet, and remember that only “The Shadow knows” and others. Remember your first T V with about a ten inch screen, tennis shoes and real denims .I will never forget the excitement of my first quail and cottontail rabbit that I bagged. I remember my dad cooking them and I just knew that it was the best meal I had ever had. Don’t forget that common cense helped us to grow and learn, not political correctness. Please teach your sons, daughters and grand children about past experiences so they do not become lost in time. I am sure they will enjoy and pass them along to their children. Be sure to have a wonderful Christmas, Hanukkah and Happy New Year or any other holiday you celebrate.
Now let’s cook up a bit of that big game you harvested this past fall. Let’s cook up a dinner of Elk Medallions
What you need...
• One pound elk or venison back strap
• Three cloves garlic - minced
• One cup red wine
• Three cloves - minced garlic
• Half cup olive oil
• Thick sliced bacon
• Salt and pepper to taste
• Four to eight very large button mushrooms
• Quarter pound butter or margarine
• Half teaspoon granulated garlic
What you do...
Marinate the meat in the wine, olive oil and minced garlic for six to eight hours. Turn a few times so all the meat is in the marinade. Remove back strap and rub the garlic and marinade over the meat. Sprinkle with course ground black pepper and salt to taste. Next wrap the meat with the strips of bacon and secure with tooth picks. Place on grill and cook until meat is medium and bacon is crisp. ( It may be helpful to partially cook the bacon first, to melt off some of the fat, so as not to get too much of a flare on the grill )
While meat is cooking place the butter, mushrooms, without the stems, in a fry pan, sprinkle the granulated garlic, and cook until browned. When meat is done cut into equal portions and place a few mushrooms on each platter. Serve with wild rice and vegetable of choice.
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