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Rural Dynamics, Inc. & Children’s Defense Fund Minnesota Partner to Launch “Bridge to Benefits—Montana”
Project to Improve Economic Stability of Families and Work Force Productivity
GREAT FALLS, MT – Today, Great Falls-based Rural Dynamics, Inc. and Children’s Defense Fund of Minnesota, with the support of Opportunity Link, launched Bridge to Benefits Montana. Bridge to Benefits is a web tool where Montanans are able to gauge their eligibility for work support benefits anonymously through as few as 13 simple questions.
This is a much-needed initiative that will improve the economic condition of thousands of Montana children and their families and help stabilize the state’s economy and work force. Bridge to Benefits will help connect eligible working individuals and families across Montana with work support benefits, such as energy assistance, health care, child care assistance, food support, school meals and the Earned Income Tax Credit.
“Too often, struggling families are forced to choose between medical care and keeping their homes warm in the winter because they don’t make enough at their jobs to afford basic necessities,” said Jim Koppel, Director of the Children’s Defense Fund of Minnesota. “Bridge to Benefits is a project to improve their economic security by quickly helping them determine if they are eligible for work support benefits and then giving them the tools necessary to apply. Many times these benefits make all the difference for a working family, and that stability makes them more productive members of the work force.”
Low literacy levels, language barriers, lack of awareness, complicated enrollment processes, and confusing applications are all obstacles that prevent eligible Montana individuals and families from enrolling in programs. The Bridge to Benefits project helps them surmount these barriers.
Just a Few Clicks of a Mouse Can Mean Help for Struggling Families
The Bridge to Benefits tool is simple and available to anyone at no cost. The tool provides information and eligibility standards about each program and lets individuals and families avoid having to contact a number of different agencies to determine eligibility for assistance.
The Bridge to Benefits project also seeks to assist community organizations in their efforts to connect individuals and families to work-support programs. The web-based tool not only helps these organizations screen for eligibility, it also directs clients to resources where they can get help completing the difficult application process. The Bridge to Benefits website can be accessed at www.b2bmt.org.
Anyone interested in learning more about Bridge to Benefits or with questions should call the program manager, Christina Barsky, at (406) 454-5717.
About the Partners
Rural Dynamics Incorporated is a private, non-profit organization founded in 1968 to provide financial education and credit counseling for residents across Montana and Wyoming. The organization provides programs and establishes partnerships to help youth, individuals, and families achieve economic independence. For more information visit www.RuralDynamics.org.
The Children's Defense Fund was founded in 1973 to provide a strong and effective voice for the children of America, since they cannot vote, hire lobbyists, or speak out for themselves. The mission of the CDF is to Leave No Child Behind and to ensure every child a Healthy Start a Head Start, a Fair Start, a Safe Start, and a Moral Start in life and successful passage to adulthood with the help of caring families and communities.
In January of 2001, the Northwest Area Foundation invited four regional communities to participate in a strategic planning process. The community convened a diverse group to begin the planning, calling the group the North-central Montana Community Ventures Coalition. In February of 2005, a new name and brand for the organization was adopted, and the North-central Montana Community Ventures Coalition formally became Opportunity Link, Inc. Opportunity Link seeks to unite people, link resources, and fight poverty in eleven North-central Montana counties. |
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Regional Community Leaders Convene in Custer,SD |
| A first step towards regional equity |
(Custer, SD) - The first convening of the Northern Plains Initiative Advisory Council occurred June 23-24 in Custer, South Dakota. The beautiful Crazy Horse Memorial served as a backdrop to the two day meeting, during which members got to know each other and the Northern Plains Initiative.“Having diverse community leaders from across the region together in one room is a revolutionary step in our process of achieving our collective vision for the Northern Plains,” said Shannon Augare, Director of Public Policy and Community Relations at Rural Dynamics Incorporated.
The Council immediately got to work, splitting into working groups and discussing Public Policy, Re-granting, Leadership Training, and Evaluation Strategies. These working groups will meet quarterly to generate systemic change for the region. “The role of the NPI council is to put rural America’s best face forward,” said Kevin Dvorak of the North Dakota Community Foundation. Tom Jacobson, Executive Director of Rural Dynamics Incorporated said, “This is something we all have to do together. Collaboration is necessary to get a consistent message and vision. By talking about uniform policy and ignoring arbitrary state boundaries, we can impact federal legislation.”
The Northern Plains Initiative Advisory Council is a 19 member council with members from Montana, Western North and South Dakota, and Northern Wyoming. The Advisory Council is a team that incorporates leadership from all areas of the region and guides the work of the Northern Plains Initiative. The Northern Plains Initiative is a coalition of community organizations and governmental agencies working together to create a long-range plan for economic equity for rural communities and their residents. The Initiative will develop both regional and local strategies that are sustainable and inclusive.
The W.K. Kellogg Foundation believes their role is “to help people help themselves" through the practical application of knowledge and resources to improve their quality of life and that of future generations. This belief and their long tradition of service and philanthropy in rural America make the W.K Kellogg foundation a natural partner for the Northern Plains Initiative.
Consumer Credit Counseling Service of Montana was founded in 1968 to provide for the credit needs of residents across Montana and Wyoming. Now known as Rural Dynamics, the organization provides programs and establishes partnerships to help youth, individuals, and families achieve economic independence.
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Program aims at grooming Native American entrepreneurs |
Matt Walker, 12, would like to own a business one day.He hasn't pinned down what type, but after this week Matt, who will enter eighth grade at East Middle School next fall, will be better equipped to pursue future entrepreneurial efforts. Click here for the full Great Falls Tribune Article. |
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Veterans |
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With Memorial Day around the corner, we felt it might be interesting to examine how states in our region rank in terms of number of veterans per capita and resources they contribute to help assist veterans residing within their state.
According to the 2006 American Community Survey, conducted by the Census Bureau, states within our region rank reasonably well in terms of numbers of veterans residing there.
Veteran information by state#
State |
Rank |
% of civilian |
# of veterans |
State money spent for veterans |
Dollars/Veteran |
Montana |
2nd |
14.2% |
104,391 |
$349.55 million |
$3348.46/veteran |
Wyoming |
3rd |
13.9% |
56,125 |
$192.07 million |
$3422.18/veteran |
South Dakota |
9th |
12.6% |
74,273 |
$352.63 million |
$4747.75/veteran |
North Dakota |
22nd |
11.8% |
58,283 |
$183.24 million |
$3143.96/veteran |
The fact that Wyoming and North Dakota report much lower veteran-related spending levels is not surprising, since they had a considerably lower veteran population. However, the fact that South Dakota outspent Montana, a state with more veterans, is unexpected. A closer look at the data reveals that South Dakota spent at total of $191.098 million on medical care for veterans whereas Montana spent $137.257 million on similar care.
Of course, larger states like California, New York, and Texas report significantly larger spending levels. For example, the VA reported that California had a total of 2,131,939 veterans and spent a total of over $6.542 billion on them. New York reported a total of 1,065,749 veterans and spent a total of approximately $3.564 billion on them. Finally, Texas reported a total of 1,707,365 veterans, on whom they spent $6.293 billion.
An analysis of approximate per capita spending on veterans in each of these states reveals that Montana spends approximately $3,349 per veteran; North Dakota around $3,144; South Dakota $4,747; and Wyoming $3,422. Spending was similar in the larger states, with California spending approximately $3,069; New York $3,344; and Texas $3,686 per veteran.
Our region benefits from having several members of our congressional delegations serving as members of committees specifically concerned with veterans issues. For instance, Senator Jon Tester (D-MT) serves on the Senate Veterans’ Affairs Committee. Senator John Thune (R-SD) sits on the Senate Armed Services Committee. Senators Tim Johnson (D-SD) and Byron Dorgan (D-ND) serve on the Senate Appropriations Committee, with Sen. Johnson chairing its subcommittee on Military Construction, Veterans’ Affairs, and Related Agencies. In the U.S. House, Representative Stephanie Herseth Sandlin (D-SD) serves on the Veterans’ Affairs Committee, chairing its Economic Opportunity subcommittee.
The fact that members of our region’s congressional delegations serve on committees of such importance to veterans provides us with a tremendous opportunity to help formulate and influence legislation and policies which can help address the needs of those who have served our nation in the past, continue to serve today, and who will serve in the future. |
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Post 9-11 GI Bill |
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Last year, Senator Jim Webb (D-VA), introduced the “Post-9/11 Veterans Educational Assistance Act,” legislation which seeks to address what many perceive to be deficiencies in the current Montgomery GI Bill. Senator Webb’s bill hopes to do this by making several changes to the current program. First, he would increase educational benefit amounts for veterans serving between three and 36 months of active duty since September 11, 2001. Second, he would apportion benefits based on the amount of active duty service time accumulated after 9/11. Third, he would allow veterans pursuing approved training programs to receive payments which would cover education-related expenses not to exceed the most expensive public educational institution in their state. In addition, they would receive a monthly stipend to cover housing costs with additional money being available for any necessary tutoring, licensure, or certification. Fourth, the bill would create a government program which would match money provided voluntarily by educational institutions to offset costs not normally covered by this legislation. Lastly, the bill would allow veterans to have 15 years from the time they leave active duty service to use their benefits. The current GI Bill limits them to ten years.
The bill, and similar legislation in the U.S. House, has received relatively strong bipartisan support. Of our region’s twelve-person congressional delegation, half have agreed to serve as co-sponsors. How necessary is such a bill?
A group known as The College Board compiles regular reports which detail the average cost of college in states throughout the nation. Their 2007 report revealed that the average cost of public four-year colleges in our region were as follows:
State |
2007-08 Cost |
2006-07 Cost |
% Change |
Montana |
$5,313 |
$5,258 |
1% |
North Dakota |
$5,801 |
$5,512 |
5% |
South Dakota |
$5,296 |
$4,969 |
7% |
Wyoming |
$3,554 |
$3,515 |
1% |
According to the Department of Veterans Affairs, GI Bill recipients are paid at rates dependent upon their level of college enrollment (or other eligible training program). In the event they are enrolled as a full-time student, they will receive $1,101 per month. Assuming a September-May enrollment period, with a one month lag for enrollment verification and processing of paperwork, the veteran should expect to receive at least eight payments of $1,101 ($1,251 if he or she “bought up” as explained in Note 6 above). If the veteran is responsible for his or her rent and food, we should also estimate that they will be paying in excess of $700 per month for those.
Using the figures from the paragraph above, the GI Bill would provide a maximum of $10,008 over the entire school year; however, the student would be responsible for rent and food costs plus related costs of college, many of which are shown in the table below.
State |
County |
University |
Total GI Bill Payments |
Monthly Fair Market Rent |
Costs |
Net |
Montana |
Missoula |
UM-Missoula |
$10,008 |
$561 |
$12,162 |
-$2,154 |
North Dakota |
Cass |
NDSU |
$10,008 |
$468 |
$11,813 |
-$1,805 |
South Dakota |
Brookings |
SDSU |
$10,008 |
$419 |
$10,867 |
-$859 |
Wyoming |
Albany |
U of WY |
$10,008 |
$514 |
$9,941 |
$67 |
Looking at the chart above, it’s evident that veterans receiving the GI Bill might indeed be faced with difficult decisions as they attempt to pay for college and they lack student aid such as scholarships and grants. We should add that our estimates probably do not adequately state these deficiencies. For example, they ignore costs of books and other supplies which college students have to pay. In addition, we did not estimate the costs of utilities, cell phones, and internet access which many students must account for. Furthermore, we might have underestimated the “Costs” column in our table since we used a $200 per month baseline to compute food expenditures. It seems likely that significant numbers of students probably spend in excess of $50 per week on food. If this is the case, negative amounts in our “Net” column will increase. Moreover, fair market rents could vary since the data we utilized was for entire counties rather than for individual towns and cities.
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Homeless Vets |
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Articles in this month’s newsletter have ranged from the investigatory and celebratory to the elegiac. We have eMxamined the extent to which residents of our region currently serve, or have served, in the military. Then, we devoted a brief article to remembering those who have sacrificed themselves in combat in Iraq and Afghanistan. However, we should not forget those homeless veterans who have served our nation so bravely only to find themselves struggling to survive on the streets of our cities and small towns.
The situation surrounding homeless veterans is an often complex and difficult one to study. For example, no one knows exactly how many homeless veterans there are. The National Coalition for Homeless Veterans (NCHV) cites Veterans Administration (VA) statistics in reporting that veterans comprise 23 percent of the homeless population. The same website reports that in excess of “200,000 veterans are homeless on any given night” nationally with double that number homeless “over the course of a year.”
By examining the VA’s 2006 “Community Homelessness Assessment, Local Education and Networking Group for Veterans” (CHALENG) report, NCHV assembled the numbers of homeless. North Dakota had zero funded beds and 1,000 homeless veterans. South Dakota had 42 funded beds and 170 homeless veterans, and Wyoming had 31 funded beds and 98 homeless veterans.
Unfortunately, many veterans are also struggling with exacerbating circumstances such as mental illness in addition to their homelessness. The National Association of Mental Illness (NAMI) estimates that 40 percent of homeless veterans have some form of mental illness. NAMI also cites reports which identify Native Americans as being overrepresented among the homeless. These statistics are especially relevant in our region as we are home to over 171,000 Native Americans. Native Americans in our region may reside in areas which are more economically depressed where they must face things such as poor job prospects and lack of access to quality healthcare.
The National Coalition for Homeless Veterans also devotes a portion of their webpage to discussing veterans’ needs, successful prior actions, and further steps which could be taken to help homeless vets. NCVH advocates efforts to secure housing and nutritional meals, essential healthcare, substance abuse and mental health counseling, and job services. They argue that some of the most effective approaches are employed by community-based non-profits where veterans engage in peer helping for other homeless vets. NCVH states that such efforts are vital b
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Defenders Of Freedom |
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Last summer, Senator Max Baucus (D-MT) sponsored legislation which has the potential to help many veterans within our region and the rest of the nation. The bill, entitled the “Defenders of Freedom Tax Relief Act of 2007” (S.1593), is currently awaiting action in the U.S. Senate Finance Committee, which Sen. Baucus chairs. If enacted, this bill would amend IRS codes ratified in 1986 thereby increasing the availability of benefits to active duty service members, veterans and their survivors, and members of the intelligence community.
For example, this bill would enable qualifying soldiers to count combat pay toward the Earned Income (Tax) Credit [EIC or EITC], something they currently do not have the luxury of doing. Provisions of the bill would also allow survivors of soldiers killed in the line of duty to deposit death benefit payments they receive in accounts such as a Roth IRA.
The bill would also benefit veterans by extending the length of time that they can file claims for tax refunds after receiving a Veterans Administration (VA) disability award. Senator Ken Salazar (D-CO) offers a clear explanation of how this will aid veterans, saying that processing VA disability claims may take years; however, once a claim is approved, it becomes retroactive to the date of the claim application and can render past military pay tax-exempt. Unfortunately, individuals currently only have three years to file for a refund, and disabled veterans are often not eligible for such refunds. This legislation would grant disabled veterans the right to file for these tax refunds and extend the filing deadline so that it falls one year from the date the VA makes its initial eligibility determination.
This legislation would also alter how civilian employers report differential pay, pay intended to offset discrepancies in the amount of wages they disburse compared with what the employee earns in the military. Senator Baucus advocates categorizing such pay as wages since it would allow civilian employers to contribute this pay to reservists’ retirement plans and eliminate the need for military members to pay estimated taxes on this income. With this bill, Sen. Baucus would also enact a credit for small business owners making differential payments for their employees. He hopes to achieve this by providing small businesses, with fewer than fifty employees, an opportunity to take a tax credit in the amount of 20 percent of the differential pay they distribute (not to exceed $20,000).
Moreover, the bill would allow activated reservists to make penalty-free early withdrawals from their retirement plans. In addition, it would provide reservists two years from the time they leave active duty to roll over an IRA or 401k. |
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Casualties |
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As a person who usually notices when a flag is flying at half mast, I am ashamed to admit that there have been times when I could not name the person for whom the ensign had been lowered. Regardless of one’s political allegiances, it seems appropriate that we take the time to remember those in our region who have been lost in combat in Iraq and Afghanistan and their families.
Wyoming
Pfc. James J. Arellano
Staff Sgt. Brian D. Bland
Lance Cpl. Kyle W. Burns
Spec. Jason J. Corbett
Spec. John J. Edmunds
Staff Sgt. David D. Julian
Staff Sgt. Brian M. Long
Capt. Robert L. Lucero
Pfc. Joseph P. Mayek
Pvt. Scott A. Miller
Lt. Col. Charles E. Munier
1st Lt. Leif E. Nott
Sgt. Brendon C. Reiss
Staff Sgt. Theodore A. Spatol
Montana
Sgt. Travis M. Arndt
Staff Sgt. Travis W. Atkins
Cpl. Phillip E. Baucus
Staff Sgt. Shane R. Becker
Pfc. Andrew D. Bedard
Lance Cpl. Nicholas William B. Bloem
Pfc. Kyle G. Bohrnsen
Sgt. Scott D. Dykman
Staff Sgt. Yance T. Gray
Staff Sgt. Aaron N. Holleyman
1st Lt. Joshua M. Hyland
Petty Officer 2nd Class Charles V. Komppa
Capt. Michael J. MacKinnon
Sgt. 1st Class Robbie D. McNary
Cpt. Andrew. R. Pearson
Cpl. Dean P. Pratt
1st Lt. Edward M. Saltz
Lance Cpl. Jeremy S. Sandvick Monroe
Cpl. Raleigh C. Smith
Pvt. Daren A. Smith
Pfc. Kristofor T. Stonesifer
Pfc. Owen D. Witt
Spec. Donald M. Young
Pvt. Matthew T. Zeimer
North Dakota
Spec. Paul A. Beyer
Spec. Philip D. Brown
Spec. Dennis J. Ferderer Jr.
Spec. Jon P. Fettig
Cpl. Nathan J. Goodiron
Pfc. Sheldon R. Hawk Eagle
Staff Sgt. Kenneth W. Hendrickson
Spec. Michael L. Hermanson
Spec. Chris . Kleinwachter
Staff Sgt. Lance J. Koenig
Staff Sgt. David C. Kuehl
Spec. Curtis R. Mehrer
Pfc. Anthony W. Monroe
Spec. Jeremiah S. Santos
Sgt. Keith L. Smette
Spec. Thomas J. Sweet II
Sgt. Travis A. Vanzoest
Spec. Cody L. Wentz
South Dakota
Spec. Daniel D. Bartels
Pfc. Gunnar D. Becker
Sgt. Jeremiah J. Boehmer
Lance Cpl. Jeremy L. Bohlman
Staff Sgt. Cory W. Brooks
Staff Sgt. Daniel M. Cuka
Pfc. Michael R. Deuel
Chief Warrant Officer Hans N. Gukeisen
Spec. Patrick W. Herried
Spec. Allen D. Kokesh Jr.
Staff Sgt. Jason W. Montefering
Cpl. Tanner J. O’Leary
Chief Warrant Officer Paul J. Pillen
Staff Sgt. Robb L. Rolfing
Chief Warrant Officer 2 Scott A. Saboe
Sgt. 1st Class Richard L. Schild
Capt. Christopher F. Soelzer
Staff Sgt. Zachary B. Tomczak
Staff Sgt. Gregory A. Wagner
Lance Cpl. Joseph T. Welke
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Rural Dynamics Incorporated Awards $30,000 Grant to Montana Indian Business Alliance |
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The Great Falls, Montana based organization Rural Dynamics Incorporated (RDI) has awarded a grant for $30,000 to the Montana Indian Business Alliance (MIBA). Now known as Rural Dynamics Incorporated, Consumer Credit Counseling Service of Montana was founded in 1968 to provide for the credit needs of residents across Montana and Wyoming. The organization provides programs and establishes partnerships to help youth, individuals, and families achieve economic independence across a four state Northern Plains region.
The W.K. Kellogg Foundation has awarded RDI $2.1 million to empower the Northern Plains region, consisting of North and South Dakota, Montana, and Wyoming. Over the past two years, RDI has held regional meetings throughout the area. These meetings, called “Plains Talks,” empowered each community to determine where RDI’s re-granting money should be directed. This grant to MIBA is a first step in the process of achieving the vision generated by Northern Plains residents. The mission of MIBA is to remove barriers to Indian Country business development while creating and expanding Indian owned businesses by maximizing resources and partnerships.
“By encouraging entrepreneurship and state-tribal collaboration, the Montana Indian Business Alliance is making great strides in achieving economic independence for Montana’s Indian Country,” said Montana Representative Shannon Augare, Director of Public Policy and Community Relations for RDI. “This award will help the Alliance reach more Montanan’s and create widespread change in the region.”
This collaborative RDI vision: Rural life has value to the region and the nation. We are creating a region where all people have the opportunity to thrive in the community they choose, where diversity is cherished, and where community pride leads to remaining in the region for generations to come. We recognize the importance of regional interconnections, and we value personal, community, and organizational relationships that are built upon integrity. We seek to nurture a continuing sense of pride, hope, and belief that both community and regional potential is being achieved.
To learn more about Rural Dynamics Incorporated and the Northern Plains Initiative, please contact Shannon Augare, Director of Public Policy and Community Relations at 406.454.5712. You can find more information on RDI at www.ruraldynamics.org and the Plains Talks at www.plainstalk.org. |
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