May 21, 2014

May 21, 2014 Volume XII Issue 10

$10.00

Classifieds!

FREE--

TAKE ONE!

Postal Customer PRSRT STD

800-756-1817 w w w . T r i c i a s T r a d e r . c o m O v e r 8 , 5 0 0 c o p i e s d i s t r i b u t e d a l l a c r o s s N o r t h C e n t r a l M o n t a n a !

HAVRE EAGLE RIDERS POKER RUN - May 24 - to benefit MT Wounded Warriors & youth baseball. See page 16.

Have a Safe and Happy Memorial Day! THANK YOU, Veterans! *******

New! Read Lady and the Ranch on p.19.

May 21, 2014 .........................................................................Volume XII Issue 10 ............................................................................. Tricia’s Trader 2

For Sale: Used oilfield pipe, rods, cable & guard rail. New HDPE pipe. Engineered bridges for pivots, vehicles, walking & ATV. Clips & post caps. Toll free- 866-683-7299 or 406-453-7299 Big Sky Pipe And Design, Great Falls. Call TODAY and Ask for our free catalog. Visit Us Online http://bigskypipeandsupply.com/html/ 5-I:9-IINeed Pasture: Looking for summer pasture to run 50+ pairs in the Malta, Glasgow, Wolf Point region. Long term lease preferred. Please call Greg 406-263-8504 5-I

Searching for something? Find it in the search window at www.TriciasTrader.com. x

For Sale: 1978 Dodge cargo/utility/camper/handicap van. Has small fridge & table. 318 motor, auto transmission, 41,850 original miles. Asking $1,500. Call 406-525-3311 or 406-697-0754. 5-I

We’re excited to announce...

is the lucky WINNER of the 2014 Bonnie City Blues & Brews Ticket Giveaway in the May 7th issue of “Tricia’s Trader”!!

WHOO

T! WHOOT!

Hey! Looking for a good building mover?? Call Dale Freitag 654-1123 or Dan Liese 379-2320. Prompt, experienced, competitive pricing. 5-I

Need Insulation? Contact Darrell Carney for your foam insulation jobs, certified applicator. 654-7017 or 390-4156 5-II

May 21, 2014 .........................................................................Volume XII Issue 10 ............................................................................. Tricia’s Trader 3

CONTENTS:Classifieds, Classifieds!

Advertising Info .............. 12Bill’s Food Corner .......... 23Comic .............................11Conservative Cow Dr. ...... 7Dave Says ..................... 17“Laugh Lines” ................. 13“Money Talks” Financial Column ......................... 9Realty Section ................. 8Rodeo Roundup .............11Subscriptions ................. 12“Things to Know” ............. 4

See pg 12 for deadlines, rates &

to place an ad!

FBR Fort Benton

Realty

www.fbrealty.com 1426 Front Street, Fort Benton, MT (800)406-0946

Commercial Property Approx 2500 sp ft building fea-turing a retail area, cold storage, plus partially fenced

rear yard for security. Great Location in Central Business District. 1418 Main Fort Benton $50,000

Price Reduced!!Fort Benton Commercial Opportunity. Nice automotive/tire repair building on prime corner location in central business district. Off street parking and storage located on property. Call for more details.

$125,000

Great spot for your new home!! Double car garage and 6 lots make this a great location to build or to position a new modular home! Located on the corner at 2120

Washington---one-half of the block! $85,000 Call Mark @ 788-9280

Hay Consignment Auction! Friday, May 23rd, 12 noon. 5300 10th Avenue South, Great Falls, Near KOA. Broadcast Live Online!!! Call WHB Video Auctions for more information 406-635-1995 or visit us online www.whbvideoauctions.com 5-I

Colorado Blue Spruce: 8ft - 10ft landscaping trees, balled & burlapped. Excellent quality. $150-$180. Makes a good shelter belt or privacy barrier. Kalispell area. 406-257-0977. 4-I:5-II

Read Tricia’s Trader online. Now faster load times, and live links! www.TriciasTrader.com. 12-II

For the Sheep Rancher at Heart: Immaculately restored sheepwagon with all the amenities of camping. Camp in rustic style! Asking $9,500. Located in Minnesota, delivery will be arranged. Call 406-379-2512. x

Best Resting Inn & Extended Stay: "We're not the Fanciest, We're the Friendliest." 5001 River Dr. N., Gt Falls, MT. 406-268-8333. x

May 21, 2014 ........................................................................Volume XII Issue 10 .............................................................................Tricia’s Trader 4

THINGS TO KNOW:Jun 2-4, Mon-Wed.: 2014 Mustang Boys Basketball Camp, Malta Old Gym, 412 3rd Ave. SE, 9am-Noon: 4th-6th grade boys (grade this fall), 1pm-3pm: 1st–3rd grade boys. Check-in 15 min. early June 2nd. Bring clean shoes to change into. $50 per camper. Make checks payable to: Mustang Basketball Camp, Preregister recommended but not mandatory. Contact Information: Lori Carney or DoDee Oxarart 406-654-7204.

Jun. 14, Sat.: ART IN THE PARK AND JOPLIN CAR SHOW, Joplin Mem. Park, 10am-4pm, Multiple Food Booths, Beer Garden, Live Entertainment, Art & Craft Vendors, Horseshoe Tourney. Interested vendors call (Kathy) 292-3855. Car Show Reg. 9am-11am. $5 pre-reg./$10 day of event at Wood Enterprises Building. Awards for Best Chevy Car & Pick-up, Best Ford Car & Pick-up, Best Mopar Car & Pick-up, Best Motorcycle, Participant’s Choice, People’s Choice, Judge’s Choice. Many Door Prizes Car Show Pre-registration (Rick) 292-3581, (Tom) 292-3339 or mail to Joplin Car Show, Box 8, Joplin, MT 59531.

Thurs. nights.: CRIBBAGE! 7pm. Come and play OR learn to play. Sweet Grass Lodge, Chester, Montana.

Let us know what’s happening in your area. It’s free and it gets read! Call 379-2377 or email [email protected].

For Sale: 1999 Friendship home, 16x80, 3 Bedroom, 2 bath, with sunken kitchen in Malta, MT. Call 406-654-2163. 5-II

Bulls For Sale: 2 Year old Red Angus Bulls. Bulls sell as commercial modest birth and weaning weights. Fertility tested. From bloodlines by Westphals, Fritz & Buffalo Creek. Phone 406-737-4268. 4-I:5-II

The Closet: at 174 S. 1st Ave, Malta is a great place to shop for a great deal. We carry new and consignment items; new inventory added daily. Check out our scarves, jewelry, fashion leggings, Scentsy, and headbands. Tues-Fri 10am-5:30pm, Sat. 10am-3pm. 5-I

Donald J Smith, General Contractor LLC. Windows, screens, decks, doors, etc...Shop opening soon in Rudyard for glass and screen repair and small jobs. 406-945-4376 or 406-355-4420. 5-II

DND Quacker Box at 227 S. 2nd Ave E. in Malta. Carrying something for everyone, new and used items, and some antiques. We buy out estates and yard sales. Donations and consignments are accepted. Call 654-4752 or 654-7100. 5-I

May 21, 2014 ........................................................................Volume XII Issue 10 ............................................................................. Tricia’s Trader 5

[email protected] | 10% BP. See website for terms.

BID Wed., June 4 @ Noon – June 11 @ 6 pm MDT

• Turn-key property• Ideal 1031 exchange investment• Fully rented 6-unit building• Interior remodeled in 2007• Newer windows, appliances & fixtures

APARTMENT BLDGONLINE AUCTION

NorthwestRealtyAuctions.com | 406-654-4662

PROPERTY LOCATION: 408 S. 6TH ST. E., MALTA, MT

Wanted: Horse pasture in Havre/Chinook/Big Sandy area. Willing to build fence. Need room for 2-6 horses. Please call 262-5060. 5-II

Looking For Gophers: Avid varmint hunter looking for land owner permission to hunt gophers. I will be in the Havre area May 12-30. Call Chris 520-400-9997 or [email protected] 5-I.

For Sale: Big Bud 735.50. Large Air Drill Hyd. System. New Paint. Updated Interior. $239,000. Big Equipment (406) 265-9554 or [email protected] 5-I

Swap at the Swap Shop: We carry a great variety of things: kitchen tables, guns, games, hand and power tools, T.V.'s, too much to mention it all. Come check out our selection at 121 Anaconda Street, Wolf Point, Mt. 406-653-1410. 5-I

LIESE

MOVINGBUILDING

RELOCATE YOUR BUILDING!379-2320Dan:

May 21, 2014 .........................................................................Volume XII Issue 10 ............................................................................. Tricia’s Trader 6

For Sale: Sleep Number Bed, expanded queen size, $500. Call 406-357-3572. 5-II

4-Plex For Sale: 114 5th St. E., Chinook, MT. $140,000. Four (1) bdrm units close to downtown & high school. Some updating & new appliances. Good Income Potential. Call Paul Kuka @ 406-265-7845, Flynn Realty. 5-II

Dents? Need a paint Job? We can make your vehicle look like new. Come see us at Hi-Line Collision Repair Center, 740 2nd. Ave S., Glasgow, MT or give us a call at 406-228-2433. 5-II

Valley Ridgerunners Saddle Club Dinner Theatre, Fri., May 30th. Dinner 6pm, program 7pm. Featured program will be “Little Trailer House”, a series of western skits that take place on the eastern Montana prairie! Art displays featuring local artists. Dinner & program $15.00, at Ridgerunners’ in Glasgow. For information, call Doris 367-5243, or Jodi 228-2017. 5-II

Help Wanted: Mostly evenings or various shifts. Casual/part-time caregiver. Could work into full time. Must be avail. at last minute at times. Must be drug and alcohol free, have valid driver's license, and pass criminal background check. Must be compassionate/caring. Pick up application, (no phone calls, please) with references. Care and Comfort Home, 1204 Cleveland Ave., Havre, MT. 5-I

Custom-Made Parts & Brackets: CNC cutting. Powder-Coating. Metal Signs. Custom Hand-Rails. Call MDI Metals, (406) 265-6841. 5-I

Topsoil & Compost for Sale: Get your garden off to a great start! Screened Compost & Compost-Topsoil mix for sale. In-town delivery in Havre no charge!! Call Northern Industries (406) 399-4238 or 265-6015. 5-I

Funk Angus Ranch has for Sale Private Treaty yearling Angus bulls. Call Gary or Roxann 406-392-5777. 5-I

For Sale: Butcher hogs available year-round. Call 406-895-2226 or 895-7019. 2-I:7-II

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In the free-market, buyers and sellers set the price of an item based on the underlying desires of each party to possess the said product or service. If the seller is more eager than the buyer, or there is an abundance of the product, the price goes down. Conversely, if the buyer craves a rare item, the price goes up. Countries operating in a free-market environment prosper until government steps in and manipulates the transaction so as to select the socially preferred winners and losers. For example, beginning in 1776, Americans enjoyed 125 years of mostly unhindered growth, but to implement the collectivism espoused by Marx, free-market capitalism had to be driven away. America began her slow death spiral away from freedom in the early 1900s. Recent headlines reveal our transition from the prosperity of the free-market into debt and dependency of collectivism is nearly complete thanks to the efforts of the ruling class. Column one Drudge Report headlines on May 8th reveal a record 58 million working age Americans are no longer employed; a feature common and promoted as the ideal in collective economies. By their logic, unemployment eliminates job lock. The second shoe drops with a news story in column two. The Government Accountability Office revealed the Department of Defense is proudly spending $150 per gallon for “green” jet fuel produced from algae; an amount 52 times higher than the $2.88 market price for jet fuel from conventional carbon sources. If this sounds insane and it should, you obviously need additional indoctrination to understand the wonders of Marxism.

After four terms on the Montana House floor I am no longer shocked by the twisted reasoning of those advancing collectivism over capitalism. Without reviewing the Congressional record, I will guarantee Marxist congressmen arguing for climate change mandates championed such regulation as actually being a jobs bill for algae producers and university professors. Republicans in the liberty caucus of the GOP may have shaken their heads in disbelief, but those in the cocktail caucus quickly voted with the Democrats to enact these bio-fuel mandates. The end result being, Joe the plumber, if he is lucky enough to find a job, will need to work extra shifts so the Department of Defense can fuel their fighters with $150 per gallon green kerosene in the left’s brutal, albeit mythical war on climate change. If you are not banging your head on the table about now, you are missing the point and should re-read this paragraph before continuing to my point. America’s struggle to restore the free-market is fought entirely in the GOP primary election cycle and here is why. Even though the Republican platform advocates freedom and limited government, members of the GOP cocktail caucus clamor to be the first to vote with the Democrats because they love the accolades from the left. Unfortunately for voters, during the primary election cycle every GOP candidate campaigns as a conservative regardless their voting record. Republican voters must make the extra effort to learn which

candidates are fibbing about their conservative core beliefs. Treasure State patriots can visit my web site, www.kraytonkerns.org, to see the Montana Conservative’s Taxpayer Advisory Bulletin (TAB) rating all Montana legislators over the previous four legislative sessions. Conservatives find the truth enlightening; GOP cocktail caucus members not so much. This peculiarity does not exist on the left side of the aisle as Democrats are cookie-cutter replicas with virtually identical voting records; check their TAB ratings. Democrat primary candidates shading themselves as flaming liberals supporting gun control, Obamacare, carbon taxes, free-range bison, stabilization through regulation and $150 per gallon green jet fule and would be a ridiculous redundancy.

Ramblings of a ConservativeCow Doctor

by Krayton Kerns, DVM, State Rep. HD 58

Trust but Verify

For Sale: 25 rds 30-30 ammo, 375 Whrby 270gr ammo BRASS: Norma 7.7 Jap, 41 Mag, 30/06 $2/bx, 38 Spec 2.50/bx, 264 WinMag, 284 Win, Bullets: Hornaday 220gr 30cal, 175gr 7mm, Speer 175gr 7.65 .311-313, Nosler Partition 160gr 7mm. SA/LH cowboy holster, very well made, brown, bskt, $40, Win T-22 target ammo $7/bx. 406-452-0826. 5-II

Look For Our Coupon In This Issue for 25 cents off a Big Train! The Hi-Way Express-O at the Hi-Way Bar in Hingham is now serving Montana Coffee Traders coffee, Big Trains, Lattes and more!! Stop in today! 5-I

May 21, 2014 .........................................................................Volume XII Issue 10 ............................................................................. Tricia’s Trader 8

Kirkwood Funeral Home

654-1132Serving Northern MT from Malta

Hickel Water Well Drilling: Free Estimates, Wells Drilled & Cleaned, Pump Sales & Service. Call 406-383-4363 (h) or 390-6254(c). 5-II

Have you ever sworn an oath to uphold the U.S. Constitution? Check out www.OathKeepers.org . 11-x

Visit Tricia’s Trader online to: Read the most current issue, place an ad, contact us for ques-tions, search for an ad you read. www.triciastrader.com. x

Need a balebed, flatbed, bale handler, or carry all? Call Smith's Repair 954-2564 your local Krogmann dealer, located in Roy and Malta. Manufacturing the best quality since 1989. 5-I

Now Open: Robin's Roost in Malta. Located between the Lucky Bullet and Moore's Printing. Fashions for the curvy girl! 5-I

May 21, 2014 .........................................................................Volume XII Issue 10 ............................................................................. Tricia’s Trader 9

Complements of Greg Dugdale

Raymond JamesFinancial Services, Inc.

Havre, Montana

Money Talks

vv

This information, developed by an independent third party, has been obtained from sources considered to be reliable, but Raymond James Financial Services, Inc. does not guarantee that the foregoing material is accurate or complete. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. The information contained in this report does not purport to be a complete description of the securities, markets, or developments referred to in this material. This information is not intended as a solicitation or an offer to buy or sell any security referred to herein. Investments mentioned may not be suitable for all investors. The material is general in nature. Past performance may not be indicative of future results. Raymond James Financial Services, Inc. does not provide advice on tax, legal or mortgage issues. These matters should be discussed with the appropriate professional.Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, an independent broker/dealer, and are not insured by FDIC, NCUA or any other government agency, are not deposits or obligations of the financial institution, are not guaranteed by the financial institution, and are subject to risks, including the possible loss of principal. Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2012.

Retirement confidence seems to have improved from record lows over the past five years, according to the 24th Annual Retirement Confidence Survey (RCS) cosponsored by the Employee Benefit Research Institute (EBRI) and Greenwald & Associates. In early 2014, 18% of American workers said they were “very confident” they will have enough money to retire comfortably, compared to just 13% last year; 37% are “somewhat confident.” A closer look at the trends indicates that the rise came largely from higher income households ($75,000 and up) and those who had money in retirement plans, including work-sponsored plans and individual retirement accounts (IRAs). “Retirement confidence is strongly related to retirement plan participation,” said Jack VanDerhei, research director at EBRI. “In fact, workers reporting they or their spouse have money in a defined contribution plan or IRA or have a defined benefit plan from a current or previous employer are more than twice as likely as those without any of these plans to be very confident (24% with a plan versus 9% without a plan).” Nearly half (46%) of those without a plan were “not at all confident” about their retirement, compared to just 11% of those who do have money in a retirement account. That’s the good news. The not-so-good news is that American workers, particularly those without a retirement account, still have far to go.The link between retirement accounts and retirement confidence Perhaps not surprisingly, 9 of out 10 workers participating in a retirement investment plan had set aside money for retirement, compared with just 2 out of 10 of those who don’t have a plan. When asked about how much they had in savings and investments (excluding the value of a primary residence), nearly half of respondents with a retirement plan (47%) said they had at least $50,000 set aside; 17% had at least $250,000. By comparison, 73% of workers without a retirement plan had less than $1,000. In addition, although less than half of all workers had ever tried to calculate how much they will need to retire, those who had money in some sort of a retirement account were twice as likely to have crunched the numbers as those who do not have a plan. And as the RCS demonstrates year after year, calculating a retirement savings goal can lead to retirement confidence.To save or not to save Workers seemed to understand the importance of saving for retirement, as 68% said they should be saving at least 10% of their income annually. Also not surprisingly, given their low level of reported savings, those who do not have a retirement account were more likely to say they needed to set aside at least 50% of their household income for retirement than those with a retirement account. They were also more likely to say they did not know how much they need to save. So if workers generally understand the need to save and invest, why aren’t they doing so? The reasons they gave include the cost of everyday living (53%), unemployment or underemployment (14%), non-mortgage debt (6%), mortgage or housing expenses (5%), and education expenses (5%).Other findingsThe Retirement Confidence Survey revealed several other interesting points:• Last year, the Department of Labor issued a proposal requiring employer-

sponsored retirement plan statements to illustrate how a worker’s current account balance would translate into a lifetime income stream. A large majority (85%) of plan participants in this year’s survey said the illustration

was at least somewhat helpful, though most said the projected income stream was about what they expected. Of those who said it was less than expected, 35% said they would increase their plan contributions.

• The vast majority of plan participants (88%) said that it would be at least somewhat valuable if the financial services company that handles their retirement plan offered recommendations about how much to withdraw from their plan in order to make their account values last.

• While the expected retirement age of today’s workers has inched upward over the past two decades, the actual age of retirement for most retirees has changed very little. For example, in 1991, 11% of workers said they expected to retire after age 65, but in 2014, that proportion rose to 33%. In actuality, in 1991, just 8% of retirees said they retired after age 65, and in 2014, that percentage had risen to just 16%.

• In the current year, less than 1 in 10 workers said they plan to retire before age 60, but the reality shows otherwise: 35% of current retirees said they retired before age 60, and not always for positive reasons. Nearly half of retirees left the workforce earlier than planned, with 61% of them saying they did so due to health reasons or disability. Eighteen percent did so because of a layoff or closure of their business, while the same percentage retired early to care for a family member. On a positive note, 26% said they were able to afford to retire earlier than planned, while 19% said they simply wanted to do something else.

About the survey The RCS was cosponsored by EBRI, a private, nonprofit, nonpartisan public policy research organization that focuses on health, savings, retirement, and economic security issues, and Greenwald & Associates, a Washington, DC-based market research firm. The survey was conducted in January 2014 through 20-minute telephone interviews with 1,501 people, including 1,000 workers and 501 retirees. Full results can be viewed at www.ebri.org.And wages paid in Bitcoin must be reported on a W-2 form and are taxable as income, just as any other wages would be. Speculation hasn’t been limited to the currency itself. Much as the Internet did in its early days, Bitcoin also has spawned an entire ecosystem of startup companies and venture capitalists who want to be part of building out the technology and networks involved in creating and transferring it. In addition to multiple exchanges, companies have begun providing data on the virtual currency’s price and status and creating Bitcoin-based products, including the first ATM in the United States. And as with early Internet companies, such ventures are likely to involve a high degree of uncertainty and risk. Obviously, virtual currency still faces a lot of challenges. If you’re considering exploring it, either for transactions or as a speculative investment, you should become far more familiar with it than simply relying on this discussion. And because of the issues outlined above, you should be prepared for dramatic price swings and only use money that you aren’t relying on for something else.

*Source: www.coindesk.com, March 26, 2014.**Source: “Bitcoin panic selling halves its value,” April 11, 2013, BBC News (www.bbc.co.uk).***Source: www.bitcoincharts.com, March 26, 2014.

ReTiRemenT ConfidenCe on The Rise, suRvey finds

May 21, 2014 ........................................................................Volume XII Issue 10 ...........................................................................Tricia’s Trader 10

Wanted: 10 or 12 yard Hydraulic Scraper. Call 406-525-3770 or 485-2302. 5-II

Position Opening: Turner Public Schools head cook position full time, Mon-Thur. Requires 2 wks. training in current school term. Begin 2014-15 term. Req. ability to prepare and serve food, record keeping, meet School Food guidelines. Open until filled. For Dist. App. and job description contact: Supt. R. Chvilicek-379-2315 / Dist.Clerk C. Cowan-379-2205. 3-II:5-II

The Glass Shop in Malta 118 S. 1st St. W. has vinyl replacement windows. Many styles and custom built to your exact size. Call 406-654-1720 or 654-2784 evenings. 5-I

Stop In! Flat-Screen TVs, 14" to 50", $25 to $400 -- DVDs -- Saddles -- Tools -- Check Cashing -- Leon's Buy & Sell, First St. W., Havre, Montana. 5-II

May 21, 2014 ........................................................................Volume XII Issue 10 ........................................................................... Tricia’s Trader 11

Brought to you by:

Real Estate: Check out this week's ad on pg. 3 to see our latest listings. You can also see up to date information at fbrealty.com or stop by our office Fort Benton Realty, 1426 Front Street, Fort Benton, MT (800)406-0946 5-II

Need a building moved? Call Dan at 379-2320. 5-I

For Sale: RARE KNIVES Large Selection RUANA CASE XX ~ SCHRADE Hard - to - find USA-made Old Timer & Uncle Henry Knife/Scissor SharpeningBig Sky Images & CollectiblesHavre Holiday Village Mall ~~~~~(406)399-6522~~~~~ 4-II:7-I

For Sale: 2009 Chevy LT 4x4, Crew Cab, cloth seats. Call for a great buy! Duane Sparks Chevrolet (406) 535-3455. 4-I

May 21, 2014 .........................................................................Volume XII Issue 10 ........................................................................... Tricia’s Trader 12

May 21, 2014 .........................................................................Volume XII Issue 10 ........................................................................... Tricia’s Trader 13

May 21, 2014 .........................................................................Volume XII Issue 10 ........................................................................... Tricia’s Trader 14

Tricia’s Trader IS PROUD TO SERVE THESE MONTANA TOWNS: Town: Prefix(es): Joplin 292Inverness 292Rudyard 355Hingham 397Gildford 376Kremlin 372Fort Benton 621, 622Loma 739Big Sandy 378Havre 262, 265, 407, 808, 945, 969, 390, 394, 395, 398, 399 Chinook 357Harlem 353Fort Belknap 353Turner 379Zortman 673Roy 464Dodson 383Malta 301, 654, 658, 680Loring 674Whitewater 674Saco 527Hinsdale 364, 648Glasgow 228, 230, 263, 367, 831 Nashua 746Fort Peck 526

Wolf Point 392, 525, 650, 653, 915Opheim 762Plentywood 765Scobey 487, 783Medicine Lake 789Froid 766Culbertson 514, 787, 790Poplar 768Brockton 786Jordan 557, 977Lewistown 350, 366, 380, 535, 538, 707, 708, 968Grass Range 428, 928Hobson 423Stanford 566Chester 759Geraldine 737Denton 567Belt 277Great Falls 205, 216, 217, 231, 268, 403, 452, 453, 454, 455, 564, 590, 715, 727, 731, 750, 760, 761, 770, 771, 781, 788, 791, 799, 836, 866, 868, 870, 899, 923, 952, 964, 965, 997ALL MONTANA AREA CODES ARE (406)

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PUBLISHER’S COMMENTS: The publisher does not assume any responsibility for the contents of any advertising herein, and all representations or warranties made in such advertising are those of the advertisers and not the publisher. Every effort is made by Kimmel Kreations, LLC to never knowingly accept advertising that is deceptive or misleading. We reserve the right to edit, refuse, reject or cancel any advertisement at any time. The publisher is not liable to any advertiser herein for any misprints in advertising not the fault of the publisher, and in such an event, the limit of the publisher’s liability shall be the amount of the publisher’s charge for such advertising. All advertising for the sale, rental, financing, insurance and appraisalof residential real estate are subject to the Federal Fair Housing Act, which makes it illegal to advertise any preference, limitation, or discrimination based on race, color, religion, sex, handicap, family status, or national origin, or an intention to make any such preference, limitation or discrimination. Kimmel Kreations, LLC will not knowingly accept any advertising which is in violation of this law. All advertising layouts and designs and portions of the same that are produced by Kimmel Kreations, LLC are the sole property of Kimmel Kreations, LLC and may not be reproduced in any form unless written authorization is obtained from the publisher. “Tricia’s Trader” is published bi-monthly by Kimmel Kreations, LLC, 2000 Country Club Road, Turner, MT 59542. Copies of “Tricia’s Trader” are distributed free to the reader in public locations, and by subscription service for a minimal charge to those requesting mailing service. All material copyright 2003-2013. NOTICE: The opinions and ideas expressed in articles and advertisements in ‘Tricia’s Trader’ are those of the author or advertiser and do not necessarily reflect the opinion of the publisher, Kimmel Kreations, LLC. Material inarticles or advertisements should be considered general reading and should not be construed as professional advice. All information should be carefully researched by the reader, and the reader assumes all responsibilty and risks associated with any action taken based upon information in an advertisement or article.ADVERTISING RATES: Thecostforaclassifiedadvertisement,upto8linesis$10per2issues,and$1perlineover8linesforaMAXIMUMadlengthof13lines.Add$5per2issuesfor a box outline, and/or $5 per 2 issues for bold text other than the heading. Thefollowingspecialsapplyformultipleclassifiedads:Place3classifiedsormoreinthesameissueandgeta15%discount.Orrunthesameclassifiedadineveryissueforayearfor$100(includes4issuesfree),orforsixmonthsfor$50(includes2issuesfree).Pictures/graphicsmayonlybeincludedindisplayads. To place a classified, just fill out the form on this page andmail it to:Tricia’s Trader, 2000 Country Club Road, Turner, MT 59542. Or complete the form online at www.triciastrader.com. PleasecontactyourAdvertiser’sAdvocatelistedabovetoinquireaboutdisplay advertising or to request a current rate chart. Display ads can be any dimension in 2” wide increments up to 10” wide by 10” high (full page). Display ad design isavailable for $5 per full design or edit. Ask yourAdRepabout design feewaivers,specials, and package rates. Your Advocate can work with you to develop a marketing strategy that’s effective, and determine the size and design that you need to get the most out of your advertising budget for your unique situation.

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The next issue of Tricia’s Trader will be distributed Wed., June 4, 2014. Ad Submission DEADLINE is

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May 21, 2014 .........................................................................Volume XII Issue 10 ........................................................................... Tricia’s Trader 15

A Church FunnySix-year-old Angie and her four-year-old brother Joel were sitting together in church. Joel giggled, sang, and talked out loud during the service. Finally, his big sister had enough.

“You’re not supposed to talk out loud in church.”

“Why? Who’s going to stop me?” Joel asked indignantly.

Angie pointed to the back of the church and said, “See those two men standing by the door? They’re hushers!”

For Sale: INDIAN BLANKETS & ARTWORK Sweetgrass ~ Sage ~ Furs Buckskin ~ SaddlesUSA Old Timer KnivesKnife/Scissor Sharpening, Custom Framing, Big Sky Images & Collectibles Havre Holiday Village Mall~~~~~(406)399-6522~~~~~ 4-II:7-I

For Sale: Steel framed Metal buildings! All sizes. Agricultural, Commercial, Carports, Sheds, Barns. Financing is available, OAC. Visit our website at www.montanasteelcorp.com or call us at 406-697-2486. Custom designs or choose from standard sizes! 5-I:10-II

LEWISTOWN AREA: We’d like to send a big hearty welcome to our newest member of the Tricia’s Trader team,

JERRI LYNN WICHMANJerri Lynn, who hails from Hobson, Montana, will be serving

as your Advertisers’ Advocate for our Lewistown area and surrounding region, working alongside Wendy Warburton for a time. Be sure to say hello as you see her out and about. We’re

happy to have Jerri Lynn join us!

May 21, 2014 ........................................................................Volume XII Issue 10 ...........................................................................Tricia’s Trader 16

Property for Sale: Diamond in the rough. Three city lots in prime Main Street location in Glasgow, MT. Consists of Office and 13 storage units. Has water and electricity. Priced to sell at $129,500. Call 406-301-1986. 4-I:6-II

CPR Saves Lives! Certified Am. Heart Assoc. CPR/First Aid Instructor will do classes for anyone needing certifica-tion, including bus drivers, day care providers, etc. Call 379-2520. x

Looking for Help? Help Wanted ads are now FREE in Tricia’s Trader. Call today! x

Build Your Dream Home! #9 Post Road Estates, Havre, MT. Approx. 1.27 acres. Incredible views of the Bear Paw Mountains! $17,500. Call Havre Hi-Line Realty (406) 265-0905. 5-I

May 21, 2014 ........................................................................Volume XII Issue 10 ........................................................................... Tricia’s Trader 17

DEAR DAVE, I know you recommend that no more than 25 percent of your take-home pay should go toward rent or a mortgage payment. Should taxes and insurance be figured into this amount? ~Kayla

Dear Kayla, Yes, they should. Mortgage companies will qualify you for twice as much house as you can realistically afford. They’ll try to put you on a 30-year, adjustable-rate mortgage and leave you in debt up to your eyeballs for half of your life. Payments like that can easily equal 36 percent or more of your take-home pay. That’s just nuts! I see so many people who can’t take a decent vacation or save anything for retirement or their kids’ college fund because their mortgage payment is through the roof. That’s called being “house poor.” And I’ve even seen it push people into debt just to buy groceries. It’s fine if you want to follow my guidelines. But what I’m really trying to do is get you to think. Engage in some critical thinking when it comes to your finances. There’s so much more to life than that building we call a house. I want you to think about your future and your family’s future and make smart money decisions that will change your family tree for years to come! ~Dave

DEAR DAVE, Can you have more than one life insurance policy, and is there ever a reason to do this? ~Chad

Dear Chad, Sure, you can. And there are several different reasons you might choose to do this.One, like in my case, I have lots of insurance regarding our business, our estate plan and those kinds of things. In some cases, I’ve reached the limit on the amount of a policy a company will write on me. Most life insurance companies will only write so much in coverage for one person. So when this has happened, I’d go to another carrier for additional coverage. Another reason people do this is to feel more secure from a company standpoint. If one insurance company goes out of business, they’ll still have another policy, or policies, in place. Usually, that’s not much of an issue. Most insurance companies are financially stable or have insurance to back them up with the state. The only real problem with having more than one life insurance policy is that it complicates your life a little bit. You’d have two or three premium checks or withdrawals to worry about each month and possibly even additional policy fees. So generally speaking, it’s cheaper to have just one policy. And I’d recommend having 10 to 12 times your annual income wrapped up in a good, level term policy. But no, there aren’t any rules against having more than one life insurance policy. ~Dave

DAVE SAYS: Who Is Dave Ramsey? Dave Ramsey is a personal money management expert, popular national radio personality and the author of three New York Times bestsellers – The Total Money Makeover, Financial Peace Revisited and More Than Enough. In them, Ramsey exemplifies his life’s work of teaching others how to be financially responsible, so they can acquire enough wealth to take care of loved ones, live prosperously into old age, and give generously to others.

* Dave Ramsey is America’s trusted voice on money and business. He’s authored four New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover and EntreLeadership. The Dave Ramsey Show is heard by more than 5 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com.

For Sale: 2006 Ford F250 4x4 w/HydraBed bale unroller. V-8, gas, auto. 91,286 mi. May Special: $15,900! Call Duane Sparks Chevrolet (406) 535-3455. 5-IFor Sale: John Deere 8650 4WD tractor. Plumed for air drill - good tires - great tractor. Service and field ready. $30,000. Please call 406-525-3231. 5-II

May 21, 2014 .........................................................................Volume XII Issue 10 ........................................................................... Tricia’s Trader 18

A self-directed program putsthe individual receiving the care

in charge, allowing you to arrange and direct your own services and

supports. You select, train andmanage your caregiver.

Services Available Statewide • www.ConsumerDirectMT.comWe take care of the program paperwork, so you can take care of...you!

Services Available Statewide • Havre O�ce: 406-265-2393 • www.ConsumerDirectMT.com

Now Open! Marias River Greenhouses! See us First for the best selection of bedding plants, potted plants, hanging baskets, vegetables/herbs, patio pots professional soil and fertilizer. 18 mi. South of Chester or 35 mi. North of Fort Benton on Hwy. 223, 406-456-3276. 5-II

For Sale: Residential building lot in Post Road Estates, Havre, MT. 1.27 acres. $17,900. Havre Hi-Line Realty, 406-265-0905. 5-II

We Have Rough Lumber. Call To See What We Have In Stock. All Seasons Home Center 406-228-8288, or stop by 729 2nd Ave S., Glasgow, MT 5-I

For Sale: CaseIH 5300 10' end wheel double disk drill with 6" spacing. Has packer wheels and grass seed attachment. A very nice drill, always shedded. $8,750. Call 406-390-1279. 5-I

For Sale: Sealed bid Hopper Bottom bins. Call Milk River Coop, Malta or stop in and pick up a bid sheet. 406-654-2022. 5-I:6-I

Paying CASH for scrap Gold jewelry, Silver coins, and Sterling flatware. Havre Coin Shop & More 406-390-1761 or 390-1055. 5-II

For Rent: Nice, quiet 4-bedrm country farm house 6 miles from Chinook. Fenced yard, Very clean. Good roads, GOOD water, Excellent School - Zurich Elem. School district. Taking applications. (406) 262-3839. 5-I

May 21, 2014 .........................................................................Volume XII Issue 10 ........................................................................... Tricia’s Trader 19

Different!by Shelley Chauvet VonStein, Big Sandy, MontanaFeatured May 1, 2014 in Ranch Animals, Ranch Work, The Boys

We had rain a few mornings ago. It was cold and wet . . . conditions that seem to bring out various types of sickness in calves. So, the boys and I drove through one of the groups of cows and calves — giving them all a once-over to see if any of them looked ill or were just not acting right. The majority of our calves are solid black in color . . . Black Angus and Simmental are their genetics if you want to get technical! Seems like we look at a sea of black calves all of the time . . . they are the norm, the standard, the common place . . . but they are not the ones that the boys are interested in.

My helpers are always drawn to the ones that are unique, unlike the rest . . . different! Being different as a calf, for the most part, is all about the face color. As we traveled around, the kids were the ones “calling the shots.” That is, they were the ones ordering the photos . . . “take a picture of that one over there Mom.” So as merely the photographer

taking the pictures, I struggled with the question . . . what makes this cute little calf more likable than this cute little calf?? Well, according to my two young experts on the subject . . . it is because the first calf is different!!! Shhh . . . don’t tell our solid faced subject . . . we don’t want to make him feel bad! There’s another one Mom. . . that one has a pirate patch! Of course leave it to two sword wielding kids to recognize that eye accessory! Now, here’s one that obviously succumbed to the peer pressure to be unique . . . do you think he pulled it off? Do you think his muddy face will pass as being different?? Let’s give him an “A” for effort!

As we were wrapping up our wellness tour, we hit the mother lode . . . uniqueness at its finest. Two young souls obviously drawn together on a cold and rainy day because of their features . . . maybe . . . at least that is what my

young spotters believed. The boys pronounced everyone healthy . . . at least all of our photo subjects! Good thing their Mom was doing a little checking on her own. Not that I shouldn’t trust the judgment of a 4 and 6 year old . . . but they do see things in their own way . . . branching out from the standard . . . going against the grain . . .not worried about being different!

To read more Lady and the Ranch, visit her blog about ranch and family life at www.ladyandtheranch.com.

Coin Collectors: Rare, Carson City Morgan Silver Dollars!! Attn.: Fishermen: Great, proven, locally-made Trout Flies! See Big Sky Images & Collectibles, Holiday Village Mall, Havre 406-399-6522. 5-II

SOULER POWER: Malta High School, June 27, 28, & 29. Milk River Gospel Jamboree. Get that charge to keep you going. www.milkr ivergospel jamboree.org 5-I

For Sale: 2 bedroom, 1 bath Malta home with enclosed porches, patio and a chain link fenced backyard. Includes appliances, detached two stall garage and is centrally located near the grocery store and downtown. REDUCED to $45,000 (127OR6) 406-654-2273 www.missouririverrealty.com 5-II

Guitars of Montana: Band/ Orch.Rentals/Sales-Educator appr. instrumts. Am. Guild guitars. Bluegrass/Ukuleles. BOSS effects. Spec. orders welcome. We ship! #2 5th St. S., Great Falls, 453-4998/ Bing at 1-877-566-2224. www.guitarsofmontana.com 3-II:9-I

Loring Vol. Fire Department hosting Trap Shoot & Horseshoe Tournament. Sat. May 17. 2 Person Team/$10. Sign up & lunch, 12pm. Tournament, 1pm. B.Y.O.B. Gun Raffle Winners announced after Tournament. FMI call Kenny 654-4185. 5-I

Your Reinke dealer on the Hi Line: Gibbs Welding LLC, Patrick Gibbs Owner. 196 S. 10th St. W., Malta MT 59538. Call Shop 406-654-2917, cell 406-654-7221. 5-I

May 21, 2014 .........................................................................Volume XII Issue 10 ........................................................................... Tricia’s Trader 20

For Sale: '78 El Dorado. Good shape, runs well, $1,000 OBO; '68 Cadillac 4 dr Sedan DeVille, $1,000 OBO. '68 Ford F-150 4 speed 4x4, $995 OBO. '87 Lincoln 6dr. limo, some body damage, 75k mi, $3,500 OBO. Call 406-654-7794. 5-I

For Sale: 2008 Honda Shadow Spirit. 8,500 miles. Solo Mustang seat, Bighorn handlebars, Vance & Hines shorty exhaust. $4,800 OBO. 1987 Artic Cat 440 Jag. 1,128 miles. Excellent shape. Asking $1,000 OBO. 406-525-3311 or 406-697-0754. 5-I

For Sale: 396 GMC eng. in 1-1/2 Chev '57 truck $750. '69 Mustang eng. rebuilt @ MSU-N w/all new parts in '80. 1/2T Ford p.u. $1,500. Antique oak desk 32x60" w/swivel chair. Oak backbar 32"x5'x3.5' good shape. Shop tools, 20T press, upright metal bandsaw, pressure washer, 16x20 overhead insulated comm. door, elec. opener, 1927 2dr Whippet, new paint, tires, upholstery, runs good. 406-357-3412 [email protected]. 5-I

For Sale: Two newly constructed 3 bedroom, 2 bath homes! One level living with an attached 2 car garage, vaulted ceilings, oversized walk-in shower and an open floor plan. Call us to tour these homes! Asking $173,000 each (128MR6 & 129MR6) 406-654-2273 www.missouririverrealty.com 5-I

Need Farm & Ranch Listings: List with an experienced, discreet, ethical land broker. Montana Land & RE Investments, Inc. 406-755-0711. Email: [email protected] 5-I

For Sale: RADIO FLYER bouncy horse, excellent condition, perfect for children ages 2-6 and up to 60 lbs., Already assembled, so bring a pickup to haul, $100. 406-265-4329. 5-I

May 21, 2014 .........................................................................Volume XII Issue 10 ........................................................................... Tricia’s Trader 21

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For Sale: Cash cow! Downtown Building & Car Wash business on 2 city lots in the heart of Havre, at 413 2nd St. $150,000. Call Ruff Real Estate, LLC .Havre, MT (406) 265-3105. 5-I

Blades hair & Nail: Located at 4 S. 1st St. W. in Malta. Spring tanning special, unlimited tans, 1 mo/$35 and 2 mo/$60. Sale through June 1st. Stop in or call 654-5585. 5-I

For Sale: Krause parts and other parts at Power Motors Implement. Hardi, Mayrath, older Spra Coupe, Westgo, Gysler, Edwards, Adja and a group of Minneapolis Moline and Ford parts. Fort Benton. Call George at 406-799-7459 or email [email protected]. 5-II

For Sale: Hesston 5456A Round Baler. Mesh. Asking $28,900. Call Larry at Rainbow Irrigation (406) 390-1803. 5-I

May 21, 2014 ........................................................................Volume XII Issue 10 ...........................................................................Tricia’s Trader 22

Now Hiring: Northern Home Essentials seeks fun loving, organized, detail oriented individual who knows their way around the kitchen. Eye for decorating. Dependable. FT. Compet. wage. Ins. & vaca after probat. pd. Apply in person. 218 First St., Havre. 5-I

May 21, 2014 ........................................................................Volume XII Issue 10 ........................................................................... Tricia’s Trader 23

Bill’sFood Corn e r

Dig right in to our newest regular guest column! Bill Hake invites you to test his recipes and his theories and tell us what

you think. And he takes “requests”!

COWBOY CAVIAR We should realize that moderation, rather than elimination, is the key to a healthy diet. Eliminating any one food group deprives our body of some of the nutrients required to keep us healthy, and nutrient shortages turn on the hunger pangs. Hunger was the motivator that made our ancestors crawl out of their caves and hunt for food that was often in short supply. But in our current environment of an overabundance of food choices, hunger can become our enemy rather than our friend. So, today we’re going to look at some snack recipes that are high in nutrient values and satisfy hunger.

Cowboy Caviar (Bean Dip)

2 – 15 oz cans of beans rinsed and drained1 – 15 oz can of whole kernel corn drained2 – 10 oz cans Rotel tomatoes with green chilies½ cup chopped onion½ cup chopped bell pepper (any color)1 cup Zesty Italian salad dressing½ tsp garlic powder

For the beans, you can use any vari-ety you would like, black beans, chickpeas, kidney beans, chili beans, great northern, or cook your own dry beans from scratch. Put all ingredients in a bowl and mix well to blend, taste for seasoning and adjust if necessary, cover and refrigerate overnight to blend flavors. Serve with tortilla chips, Frito corn scoops or crackers.Pre-engineered Steel Building KitSPre-engineered Steel Building KitS

Create your own deSignS or ChooSe from ourS!

MONTANA STeel COrpOrATiON, iNC. • (406) 697-2486

Shop/Garage30x40x10

$15,999Storage/Warehouse

60x100x14

$39,600Red Iron

$33,499

FINANCINGOPTIONS AVAILABLE

See More Photos atwww.montanasteelcorp.com

Depends on credit, rates, and terms

• Made in USA •

• Easy Assembly •

• Complete Plans and Specs •

- Local and Regional- Concrete Additional-Not Installed- Fuel/Lodging Surcharge May Apply

facts

Installs Available!

-Agricultural-Commercial-Industrial-Shops/BarnsCarports and more!

Rate/Terms/Payments/ OAC

60x100x20

3 Sisters at 101 S. 1st St. E. in Malta has something for everyone. Now selling doTerra oils, candy jars for any occasion, and fresh cut organic soaps. Come shop the little store on the corner with a big selection! 406-654-2529. 4-I:6-II

CONGRATS!to all area High School and College Graduates!

May your futures be bright!From all of us at “Tricia’s Trader” ~Tricia, Lesli, Linda, Valerie,

Laurie, Wendy, Jamie, Amy, Julie W., Julie S. and Lindsey

Fresh Tomato Salsa

8 medium tomatoes chopped small4 cloves garlic chopped small1 medium onion chopped small (or scallions work well, about 4)¼ cup chopped cilantro or parsley2 tsp lime juice or white vinegar½ bell pepper chopped small (any color)½ tsp sugar2 Jalapeno peppers, seeded and chopped smallSeason salt to taste

Mix all together until well blended, seasoning to taste and serve with chips, crackers or scoops. If you like it hot return some of the jalapeno seeds to the mix or add another pepper.

Traveling Hwy 87 between Havre & Great Falls? Look for the OPEN sign at the Trash and Treasure Shop in Loma with Antiques and Second Hand merchandise. Stop in! You'll find some great treasures for sale. Open afternoons only or by appointment. 406-739-4361. 5-II

For Sale: Whispering Winds: A History of the Big Flat 750 page hardcover book celebrating Turner, Montana’s centennial. Get your copy today for only $100. Visit www.turnermontana.us or call Edward Snider at 406-353-2934. x

Tricia’s Trader . . . The Best-Read Trader from the Mountains to the Plains! May 21, 2014

C&J Spraying: From Dawn to Done Right! Call Chet at 390-3582 or Jess at 390-6833. 5-I

For Sale: 735 Grasshopper 72" front deck riding lawn mower, zero turn. Call Larry at Red's (406) 265-9595. 5-I

Malta Tire Factory: For all your automotive and tractor tire repairs. Malta Tire, Hwy 2 West, Malta. 406-654-2120. 5-I