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The Ortonville Independent
Ortonville, Minnesota
February 17, 2009     The Ortonville Independent
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February 17, 2009

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P unt The Minnesota Department Natural Resources (DNR) and the National Wild Turkey Federation will again team up to offer special hunts for youth who are first-time turkey hunters. And thanks to NWTF volun- teers, about 130 more young people - up from 407 last year - will get a shot at one of the 39 mentored events. But hurry-the application deadline is 4 p.m. on Feb. 23. All but one of the special hunts will occur April 18- 19, the first weekend of the regular wild turkey season. Nearly all of the youth will hunt on private land thanks to the generosity of private landowners. To be eligible, a youth hunter must be age 12 to 17 on or before Apr. 18, have a valid Firearms Safety Certificate, and be accompanied by a parent or guardian. Any youth who has ever purchased or been selected by lottery for a Minnesota turkey license of any type is ineligible. Hunters and their mentors will be assigned a NWTF volunteer guide, ing in of who must accompany both the youth and parent/guardian throughout the entire hunt. "Mentored hunts are an opportuni- ty for youth to learn from experi- ence," said Mike Kurre, DNR mentor- ing program coordinator. "They pro- vide an opportunity for mentors to pass their turkey hunting knowledge onto the next generation." Applications for the wild turkey hunt are available online at the DNR Web site: http :// Participants will be selected through a random lottery. A map of areas open to special youth hunts and a listing of hunts can be viewed and printed online. To participate as a mentor or vol- unteer your land for the youth men- tared hunts, contact your local NWTF chapter at http ://ww'; astatechapter/index.html. Click "In Your State," on the left hand side of the page, for the nearest chapter. Qualifying for a mortgage in a application approved. tough economy Put your documents in order Getting a mortgage has become Lenders will want to know a great increasingly challenging during recent deal about your financial history months. One recent survey showed before they give you a loan, so ifs that 67 percent of those who applied important to organize all the for a mortgage found it more difficult, documents you'l 1 need for your Although banks now may have stricter application. You may be asked for lending rules, it is still possible to items such as pay stubs or other proof qualify for a mortgage, according to the Minnesota Society of CPAs of income, tax returns and information (MNCPA). Here are a few steps that on other debts, such as credit cards or may make it easier, auto loans. The application process Determine how much you canwill be faster and smoother if you afford have this documentation in order Before you apply for a mortgage, beforehand. you should have a realistic idea of Use your existing credit wisely how much you can afford to pay. The It's a good idea to have some American Institute of CPAs 360credit--whether it takes the form of a Degrees of Financial Literacy Web credit card, auto loan or other site provides calculators that you can debt--but not to overdo it. How much use to figure out potential mortgage is too much? As a general rule, you loan payments at should use no more than 25 to 30 andpercent of your available credit. So, if click on "Home Ownership." If you you have a $2,000 limit on a credit apply for a mortgage amount that fits card, don't carry more than a $500 to within your budget, you'll be more $600 balance on that Card. likely to have your mortgage Clean up your credit record After the wave of loan defaults and foreclosures that have taken place in recent months, lenders now scrutinize loan applications to ensure that borrowers can afford to pay off the debt they are taking on. In particular, banks are looking for people with good credit scores. Your credit score is based on your financial situation and how well you have managed your credit in the past. If you're uncertain about your ability to get a mortgage it' s definitely a good idea to check your credit reporvfrom one of the three national credit bureaus. If your score is low, you may have trouble getting a mortgage or you may face stricter loan terms. Repair your credit There are. two particularly important steps you can take to improve your chances of obtaining a mortgage. First, pay off some of your existing debts. If you have several credit cards and have charged the maximum amount on some or all of them, lenders will be more reluctant to give you credit. It's also important to get into the habit of paying your bills on time. Both of these simple steps can raise your credit score and put you in a better position to get a loan. Your local CPA can hero Getting a mortgage can be a tough process these days. That'swhy it's a good idea to get advice from your local CPA. He or she can advise you on bud.geting for your new home and improving your chances to qualify for a mortgage. Consult him or her on all your family's financial questions. Information and resources are available to the public on the MNCPA Web site ( and at including tax and financial planning for information for individuals and small businesses. A free CPA referral service is also available on the Web site or by calling 800-331-4288. The MNCPA is part of the national 360 Degrees of Financial Literacy campaign to help Americans'improve financial literacy; information and resources are available at Come su pport the OHS Trojan Volleyball team at their WALKING TACO FUNDRAISER Monday, at the Boys Varsity game vs Canby Serving Walking Tacos $3.50 and bars 50 in the Ortonville School Commons Area during the 9th grade game thru half-time of varsity game CALL MOVIE HOTLINE FOR NEW MOVIES & SHOW TIMES 605-432-5772 REGULAR SHOW TIMES Sun.-Thurs. 7:30 PM; Fri. & Sat. 7:00 & 9:15 pm; Sunday 5:00 PM Matinee - $3.00 All R-rated shows are $5 for everyone. MO~iFiB~ ~-:A|I C ~i~! 506; ~& ~e~ To~$1oeed ============================= t SDonsors N~n:MO~t~OO~:~.G CtCOVilfo, WItO[tr~gYtOCt~Ny +:NoSSOff, :Moho tgui~k/'fiO DRAG-RACING (660 ff3 : Saturday, Feb. ;21 SpoOler: Midwest OCi:~'s ::::: i: : : #~iS~h::~oriit~diio~:i !!? ::i::;: i:/:~:? : ::: II f'~~~ '~S.HWY, 15"-'-=~ I :" : ~J~EegWEIOlrlgl:: i:i:i :: . : ?:::: ::::::::::::::::::::::::::::::::::::::::::::: " ~ ~g~- i I ice LeMans Registration* Saturday - 8:00-10:30 AM i . REGISTRATION MUST BE AT GOFASTERS, ORTONVILLE, MR '. PH. 605-4324421 Additional fee for LeMans signup on lake. Radar and Drag may still sign up on website info: Phone 839-9981 Ortonville, MN CLOSED MONDAYS Tues: BBQ Ribs 1st Dinner Reg. Price, 2nd Dinner $2.00* Wed: Buy I Meal at Reg. Price & Get 2nd Meal of Equal or Lesser Value 1/2 Price* Wed & Thur Night: All- You-Can.Eat Chicken Fettuccini*. only $7.95 Thur: Steak Cubes Ist Dinner Reg. Price, 2nd Dinner $3.00* EVERY FRIDAY IN LOUNGE "Lucky Lundy" 5:30 PM : ~!i~?iiiiiiiilliiiiiiiiii~iiiii::: :iiiiiiiiiiii~i:ii :.:.:.: : : ::.:.:::.:.:.:.: : :: ~.~, ~8 !ij k' Big Stone Senior Center Come join the fun! you need a "call 862-8145 EAT IN, TO GO & DRI.VE THRU DELICIOUS BROILED BURGERS BROAsTED CHICKEN. SOFT SERVE ICE CREAM REMEMBER OUR FlavorBurst Cones/ Jim and Karen McFarlane, Owners BIG STONE CITY, SD 862-8253 NOON LUNCHES Tuesday-Friday starting at 11:30 AM Cobb Salad Salad Table at Noon for ];4.95! Thank you Nelson Electric & LQP Broadcasting at the Gravel Shop, 4 miles South of Beardsley on Co. Hwy 33 Beardsley, MN MN 320-265-6296 Tuesday, Feb. 17, 2009 INDEPENDENT Page 11 ,I t !