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Viewpoint: Montana Board of Housing celebrates 50 years

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Viewpoint: Montana Board of Housing celebrates 50 years


Cheryl Cohen

Many of us can vividly recall our first apartment rental experiences. For me, it was a single-family home shared with three college roommates, then an upper floor in a triplex where the kitchen fan spun itself off the ceiling and crash landed on the dining room table, followed by a non-conforming daylight basement unit with mold growing on every window. These were not glamourous experiences, but they were what I could afford and what was available on the market.

Some of us have been blessed, through hard work, luck and favorable market conditions, to become first-time homebuyers. For me, it was a sweat equity short sale under the third runway easement of a large international airport necessitating over 60 cubic yards of debris removal in the first weekend. But it was our home, our garden, our sanctuary and we took pride in our amateur DIY renovation efforts.

Those of us who work in the affordable housing space have the privilege of supporting individuals and families with their first ventures in apartment leasing, transitioning to a rental home they can better afford and even witnessing the American Dream in action at the closing table as a family receives the keys to their first home.

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Over the last 50 years, the Montana Board of Housing, which is administratively attached to the Montana Department of Commerce, has partnered with organizations statewide who regularly experience these inspiring moments. Imagine assisting an individual moving inside after experiencing homelessness for a decade or more, or supporting a single mom regaining custody of her little boy with a safe, affordable apartment on Christmas Eve, or helping seniors stay in their homes with a fair and reputable Reverse Annuity Mortgage loan or providing first-time homebuyer counseling to a family who works and saves for a down payment to close on their first home.

I’ve been fortunate to experience many such moments throughout my career, as have all members of the MBOH team. Each time, these moments remind me of a childhood memory. My parents, an electrician and a nurse, worked to build a new construction home for our family. My brothers and I would hang out at the job site after school (safely) while my dad ran the electrical. My mom, a music lover, asked my dad to wire surround sound speakers in various rooms of the house. The day we moved in, mom cranked the stereo with Kenny G’s saxophone music and ran through the house crying. My parents both came from humble backgrounds; it had been a long journey of saving and sacrificing to build our new home. I credit this memory and their hard work for my chosen career path.

The MBOH certainly tracks all manner of data, but it’s the human impact on Montana families and communities – which cannot be easily summed up in loan production volume or affordable rental unit counts – that drives our mission. With a safe and affordable home, families can thrive and flourish, communities become convening places for neighbors and new friendships and children retain stability in school.

With a safe and affordable home, individuals have more flexibility to take risks and pursue entrepreneurial ventures, educational attainment in children improves and overall health and well-being are enhanced. A safe, affordable home is foundational to our ability to reach our full potential; without it, the stress of stacked-up bills and difficult decisions whether to purchase food, medicine or those desperately needed new shoes for our kids monopolize our minds every minute of every day.

The MBOH’s cumulative support of first-time homebuyers includes 47,700 low-interest rate primary mortgage and down payment assistance loans, equating to nearly $3.8 billion dollars statewide. In addition to its support of Montana homebuyers, the MBOH portfolio includes over 9,500 affordable apartments and resident-owned mobile homes with long-term periods of affordability (30 to 50 years) and an in-house mortgage servicing portfolio with over 6,200 active loans. You can learn more about our history and impact on our website, which includes a slideshow video and timeline.

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Perhaps you or a person you know has benefited from an MBOH loan, or you might live in an affordable apartment constructed with Housing Tax Credits allocated by our agency. And even if you don’t, you might recall a time in your life that you experienced housing instability due to a spousal separation, loss of a job or a health diagnosis that upended your entire life and finances.

Individuals and families supported by MBOH programs have experienced these and other struggles. We all need a hand up sometimes, and I’m tremendously proud that the MBOH – including our Board, staff, partners, investors, participating lenders, developers and others – could be this hand up for so many Montanans.

On June 19, 2025, Governor Gianforte signed HB 924 into law, establishing a new Montana housing trust within the broader Growth and Opportunity Trust. This legislation will provide statutory appropriations for affordable housing for the first time in Montana state history – but we won’t rest on our laurels; with your continued support, we’re rolling up our sleeves for another 50 years and beyond!

– Cheryl Cohen, MBOH Executive Director and Housing Division Administrator at the Montana Department of Commerce





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Montana pediatrician group pushes back against CDC vaccine changes

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Montana pediatrician group pushes back against CDC vaccine changes


This story is excerpted from the MT Lowdown, a weekly newsletter digest containing original reporting and analysis published every Friday.

On Monday, Jan. 5, the Centers for Disease Control and Prevention announced it would downgrade six vaccines on the routine schedule for childhood immunizations. The changes scale back recommendations for hepatitis A and B, influenza, rotavirus, RSV and meningococcal disease. 

That decision — shared by top officials at the federal Department of Health and Human Services — took many public health experts by surprise, in part because of how the administration of President Donald Trump departed from the CDC’s typical process for changing childhood vaccine recommendations. 

Montana Free Press spoke to Atty Moriarty, a Missoula-based pediatrician and president of the Montana Chapter of the American Academy of Pediatrics, about her perspective on the CDC’s changes. The interview has been edited for length and clarity.

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MTFP: What happened in this most recent change and how does that differ from the CDC’s normal process for adjusting childhood vaccination schedules?

Moriarty: The way that vaccines have traditionally been recommended in the past is that vaccines were developed, and then they traditionally went through a formal vetting process before going to the [CDC]’s Advisory Committee on Immunization Practices, or ACIP, which did a full review of the safety data, the efficacy data, and then made recommendations based on that. Since November 2025, that committee has completely been changed and is not a panel of experts, but it is a panel of political appointees that don’t have expertise in public health, let alone infectious disease or immunology. So now, this decision was made purely based unilaterally on opinion and not on any new data or evidence-based medicine. 

MTFP: Can you walk through some of the administration’s stated reasons for these changes?

Moriarty: To be honest, these changes are so nonsensical that it’s really hard. There’s a lot of concern in the new administration and in the Department of Health and Human Services and the CDC that we are giving too many immunizations. That, again, is not based on any kind of data or science. And there’s a lot of publicity surrounding the number of vaccines as compared to 30 years ago, and questioning why we give so many. The answer to that is fairly simple. It’s because science has evolved enough that we actually can prevent more diseases. Now, some comparisons have been made to other countries, specifically Denmark, that do not give as many vaccines, but also are a completely different public health landscape and population than the United States and have a completely different public health system in general than we do.

MTFP: Where is the American Academy of Pediatrics [AAP] getting its guidance from now, if not ACIP?

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Moriarty: We really started to separate with the [CDC’s] vaccine recommendations earlier in 2025. So as soon as they stopped recommending the COVID vaccine, that’s when [AAP] published our vaccine schedule that we have published for the last 45 years, but it’s the first time that it differed from the CDC’s. We continue to advocate for immunizations as a public health measure for families and kids, and are using the previous immunization schedule. And that schedule can be found on the [AAP’s] healthychildren.org website.

MTFP: Do any of the recent vaccine scheduling changes concern you more than others?

Moriarty: I think that any pediatrician will tell you that 20-30 years ago, hospitals were completely full of babies with rotavirus infection. That is an infection that is a gastrointestinal disease and causes severe dehydration in babies. I’m nervous about that coming roaring back because babies die of dehydration. It’s one of the top reasons they’re admitted to the hospital. I’m nervous about their recommendation against the flu vaccine. [The U.S. is] in one of the worst flu outbreaks we’ve ever seen currently right now and have had many children die already this season. 

MTFP: Do you think, though, that hearing this changed guidance from the Trump administration will change some families’ minds about what vaccines they’ll elect to get for their children?

Moriarty: Oh, absolutely. We saw that before this recommendation. I mean, social media is such a scary place to get medical information, and [listening to] talking heads on the news is just really not an effective way to find medical information, but we see people getting it all the time. I meet families in the hospital that make decisions for their kids based on TikTok. So I think that one of the effects of this is going to be to sow more distrust in the public health infrastructure that we have in the United States that has kept our country healthy.

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Montana Lottery Lucky For Life, Big Sky Bonus results for Jan. 8, 2026

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The Montana Lottery offers multiple draw games for those aiming to win big. Here’s a look at Jan. 8, 2026, results for each game:

Winning Lucky For Life numbers from Jan. 8 drawing

05-12-13-39-48, Lucky Ball: 13

Check Lucky For Life payouts and previous drawings here.

Winning Big Sky Bonus numbers from Jan. 8 drawing

05-15-20-28, Bonus: 16

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Check Big Sky Bonus payouts and previous drawings here.

Feeling lucky? Explore the latest lottery news & results

When are the Montana Lottery drawings held?

  • Powerball: 8:59 p.m. MT on Monday, Wednesday, and Saturday.
  • Mega Millions: 9 p.m. MT on Tuesday and Friday.
  • Lucky For Life: 8:38 p.m. MT daily.
  • Lotto America: 9 p.m. MT on Monday, Wednesday and Saturday.
  • Big Sky Bonus: 7:30 p.m. MT daily.
  • Powerball Double Play: 8:59 p.m. MT on Monday, Wednesday, and Saturday.
  • Montana Cash: 8 p.m. MT on Wednesday and Saturday.

Missed a draw? Peek at the past week’s winning numbers.

Winning lottery numbers are sponsored by Jackpocket, the official digital lottery courier of the USA TODAY Network.

Where can you buy lottery tickets?

Tickets can be purchased in person at gas stations, convenience stores and grocery stores. Some airport terminals may also sell lottery tickets.

You can also order tickets online through Jackpocket, the official digital lottery courier of the USA TODAY Network, in these U.S. states and territories: Arizona, Arkansas, Colorado, Idaho, Maine, Massachusetts, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New York, Ohio, Oregon, Puerto Rico, Washington D.C., and West Virginia. The Jackpocket app allows you to pick your lottery game and numbers, place your order, see your ticket and collect your winnings all using your phone or home computer.

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Jackpocket is the official digital lottery courier of the USA TODAY Network. Gannett may earn revenue for audience referrals to Jackpocket services. GAMBLING PROBLEM? CALL 1-800-GAMBLER, Call 877-8-HOPENY/text HOPENY (467369) (NY). 18+ (19+ in NE, 21+ in AZ). Physically present where Jackpocket operates. Jackpocket is not affiliated with any State Lottery. Eligibility Restrictions apply. Void where prohibited. Terms: jackpocket.com/tos.

This results page was generated automatically using information from TinBu and a template written and reviewed by a Great Falls Tribune editor. You can send feedback using this form.



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Montana minimum wage increases to $10.85 | Explore Big Sky

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Montana minimum wage increases to .85 | Explore Big Sky


By Micah Drew DAILY MONTANAN

With the start of the new year, Montanans on the lowest end of the pay scale will get a small boost as the state’s mandatory minimum wage increase goes into effect.

As of Jan. 1, Montana’s minimum wage increased from $10.55 to $10.85.

Stemming from a 2006 law, Montana’s minimum wage is subject to a cost-of-living adjustment, based on the national increase in the consumer price index published by the Bureau of Labor Statistics.

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According to state law, Montana businesses not covered by the federal Fair Labor Standards Act are those whose gross annual sales are $110,000 or less may pay $4 per hour.

Montana is one of 30 states — plus Washington D.C., Puerto Rico, Guam and the U.S. Virgin Islands — that have a minimum wage higher than the federal rate of $7.25.

Twelve states, plus D.C. adjust their wages annually based on set formulas.

Montana has one of the lowest minimum wages that exceeds federal levels, with only West Virginia coming in lower among states at $8.75. The highest minimum wage is in D.C., at $17.25.

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