Jerry,
Trust me on this one, if you are thinking about raising a single calf/cow for personal beef, spend the money and get two, to keep each other company, sell the second calf to othersin your area as home-grown beef. this will easily pay for your calf and probably have some left over for next years model.
Being a smart ass beats the alternative. This tiny ad knows what I'm talking about:
Workee-job sucks? Quit and live the permaculture way in Montana