20
February 18, 2015 Volume XIII Issue 4 $10.00 Classifieds! FREE-- TAKE ONE! Postal Customer PRSRT STD 800-756-1817 www.TriciasTrader.com Over 7,000 copies distributed all across NorthCentral Montana! 66th Annual MONTANA SEED SHOW, Thursday, March 12 thru Sunday, March 14. Full schedule NEXT ISSUE! Sale Day Phone 406/ 357-2286 For Complete Sale Information and Sale Book, Contact Clayton Hofeldt • 406-945-0850 Download our Sale Book at www.BallyhooPrinting.com Bulls can be viewed at Hould Feedlot & Bull Center in Malta, MT 80 Bulls Sell Selling Sons & Grandsons of: BlueGrass Right Time • GDAR Game Day 449 SAV Final Answer 0035 Ideal 4636 of 452 6187 • SAV Brilliance 8077 • CAR Chinook 786 • GDAR Timeless 255 1:00 pm • Bear Paw Livestock • Chinook, MT • Lunch at Noon Wednesday, April 15, 2015 “Your Source for Bulls on the Hi-Line” Performance Tested • Fertility Tested Ultrasounded • Free Delivery within 300 miles Milk River 19 th Annual Bull Sale Milk River Angus Bull Test Consignors North Fork Angus ( NFA ) Kade, Shane & Morgan Friede 406-357-2410 [email protected] C Bar Angus ( C- ) Artt & Ross Christofferson 406-658-2216 or 658-2153 [email protected] DH Registered Angus ( DH ) Dale Hofeldt • 406-357-3785 [email protected] Four Butte Cattle Co. ( 4B ) Kent & Judy Pike 406-357-2994 [email protected] Bar 9 Ranch ( -9 ) Clayton Hofeldt • 406-945-0850 [email protected] Bryan Pike ( BP ) 406-788-5952 [email protected]

800-756-1817 fileFebruary 18, 2015 Volume XIII Issue 4 $10.00 &ODVVLÀHGV FREE--TAKE ONE! stal uster ST STD 800-756-1817 Ov er 7,000 copies distributed all across NorthCentral Montana!

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February 18, 2015 Volume XIII Issue 4

$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 7 , 0 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 !

NEW INSIDE: This issue’s Ag Series:

F.A.R.M. Farmers and Ranchers of Montana.

Next time: Montana Farmers Union

66th Annual MONTANA SEED SHOW, Thursday, March 12 thru Sunday, March 14. Full schedule NEXT ISSUE!

Sale Day Phone406/ 357-2286

For Complete Sale Information and Sale Book, ContactClayton Hofeldt • 406-945-0850

Download our Sale Book at www.BallyhooPrinting.comBulls can be viewed at Hould Feedlot & Bull Center in Malta, MT80Bulls

Sell

Selling Sons & Grandsons of: BlueGrass Right Time • GDAR Game Day 449 • SAV Final Answer 0035

Ideal 4636 of 452 6187 • SAV Brilliance 8077 • CAR Chinook 786 • GDAR Timeless 255

1:00 pm • Bear Paw Livestock • Chinook, MT • Lunch at Noon

Wednesday, April 15, 2015

“Your Source for Bulls on the Hi-Line”Performance Tested • Fertility Tested

Ultrasounded • Free Delivery within 300 milesMilk River19th Annual

Bull Sale

Milk River Angus Bull Test ConsignorsNorth Fork Angus (NFA)

Kade, Shane & Morgan Friede406-357-2410

[email protected]

C Bar Angus (C-)Artt & Ross Christofferson406-658-2216 or 658-2153

[email protected]

DH Registered Angus (DH) Dale Hofeldt • 406-357-3785

[email protected]

Four Butte Cattle Co. (4B) Kent & Judy Pike406-357-2994

[email protected]

Bar 9 Ranch (-9)Clayton Hofeldt • 406-945-0850

[email protected]

Bryan Pike (BP)406-788-5952

[email protected]

February 18, 2015 ................................................................. Volume XIII Issue 4 .............................................................................. Tricia’s Trader 2

February 18, 2015 ................................................................. Volume XIII Issue 4 .............................................................................. Tricia’s Trader 3

CONTENTS:Classifieds, Classifieds!

Advertising Info .............. 14Ag Series ....................... 16Bill’s Food Corner .. next tmBull Sale Calendar ..........11 Comic ............................ 17Conservative Cow Dr. . nextDave Says ..................... 12Laugh Lines ................... 15Market Report ......next timeMoney Talks ..................... 7 Realty Section ................. 8Senior Ctr Menus ... next tm Subscriptions ................. 14“Things to Know” ............. 4See pg 14 for deadlines, rates & to place an ad!

PaidClassified Rates:

Classified, $10 up to 8 lines$1 per line each add’l

13 lines maximum.$5 bold, $5 boxedRuns two issues.

Ask about FREE Classifieds!

Hay for Sale: Rounds and square bales, all varieties, alfalfa, grass-alfalfa mix, and grass hay. Starting at $90/ton. Trucking avail. Thompson Cattle Co. 406-670-6551. 2-II

Health Screenings at 2015 MT Seed Show, Harlem: Mar. 13 & 14, 6:30-9:30am. Remember to fast! 2-I

Hickel Water Well Drilling: Free Estimates, Wells Drilled & Cleaned, Pump Sales & Service. Call 406-383-4363 (h) or 390-6254 (c). 2-I

BUY-SELL-TRADE Vintage Collectibles: Kokomo Joe's Trading Post, Chester Montana. JUST IN:The Tao of Teas. 406-759-6472. 2-II

For Sale: 6x12' Multi-Purpose Hay Wagon, Pulls w/ Horses Or Vehicles. Lots of Fun. Also, Visa-Visa Buggy, Exc. Cond., Top Lifts up and down, Rubber Wheels, Pulls Light; For More Info, Call Jack 406-262-2444. 2-II

February 18, 2015 ................................................................. Volume XIII Issue 4 ..............................................................................Tricia’s Trader 4

THINGS TO KNOW:Apr. 4, Sat.: SUPPORT JALISSA HORINEK, fundraiser for Student Ambassador trip, All-You-Can-Eat Pork Roast & Ham Dinner, Higham Community Center, $10/ticket or $30 for family of 4, HUGE Silent Auciton, Lots of door prizes, No lose Booze Raffle, Raffle Winners Drawn: Pig, Gun & Large 3 places raffles. 5:00 p.m.

First and Third Mon. of the Month.: HAVRE CHRISTIAN SCHOOL-Meadowlark Estates, 4113 9th St. W., Havre 6:30pm-8:00pm. More info call Barbara Fell, 390-8045. Open to all denominations.

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

EXPERIENCE LIFEEVERYWHERE

Triangle Mobile understands when the snow flies, it’s time toget outside and play. Our coverage gives you service in those unexpected places.

Go ahead, grab your sled and have some fun.

1.855.332.1221www.itsTriangleMobile.com

117 1st Street in HavreFort Belknap Shopping CenterMalta Radio Shack

GET $200 BACK ON EVERY NEW ACTIVATION!PLUS! Single Line Plans starting at $40 per month!

Discounts also available for Multi-Line Plans!

#youdeserveit

Discounts applied for first six months. Regular rates apply at end of sixth month.Other restrictions may apply. See store for details.

For Sale: 1997 Ford F150 XLT, Ext. cab., 4x2, 4.6L, Auto, 6.5 ft. bed w/ Tonneau cover, tow hitch w/ light wiring plug, $3,500. Solid mahogany br set, triple dresser w/mirror, armoire, shelves plus 3 drawers, queen headboard, nightstand w/ 2 drawers, $500. Fireproof file cab., 4 drawers, $50. 406-759-5553. 2-II

For Sale: Case Loader W14, 4x4, Runs good, block heater, Easy To Haul @ 14,000lbs! $10,000. F-350 Dually pickup box, great cond., fits 99-07 models, $1,000. Call 406-390-0871. 2-II

For Sale: 6-wheel ATV with tracks, low hours, very nice condition. 1997 Arctic Cat Powder Extreme snowmobile, 3 cyl. engine. Call 406-873-4780 or 450-4760 cell. 2-II

February 18, 2015 ................................................................ Volume XIII Issue 34 ............................................................................. Tricia’s Trader 5

APRIL 2, 2015 AT 1:00 P.M. at Glasgow Stockyards, Glasgow Montana

55 Yearling Bulls 25 Yearling Heifers

For a catalog or more information call us at 406-357-3125 or Jim 406-539-3100 or Brady 406-539-2102

e-mail: [email protected] facebook.com/BowlesJ5Reds12995 Paradise Valley Rd, Chinook, MT 59523

CATTLE WITH SUBSTANCE AND QUALITY, BACKED BY PEOPLE WITH INTEGRITY

BECKTON WARRIOR Z314 N6,

SIRE TO SOME FANTASTIC

BULLS OFFERED FOR SALE

Quality & Integrity

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~~~~~ 2-II:5-I

February 18, 2015 ................................................................. Volume XIII Issue 4 .............................................................................. Tricia’s Trader 6

Going to build? Come into All Seasons Home Center @729 2nd Ave S., Glasgow, with your measurements for your additions, pole barns, and your garage packages and see how we can accommodate you. Call 406-228-8288. 2-I

For Sale: Hay Bet Barley Seed cleaned. Call Beery's in Vida, 406-773-5710 or 979-5720. 2-I

Looking for a Fresh Start and a New Career for 2015? Tricia's Trader is hiring. Join our amazing sales team in work that is inspiring and rewarding. Driven, ambitious, personable individuals may call 800-756-1817 ext. 101 to inquire about sales areas, job responsibilities and remuneration. 12-II

February 18, 2015 ................................................................. Volume XIII Issue 4 .............................................................................. Tricia’s Trader 7

Complements of Greg Dugdale

Raymond JamesFinancial Services, Inc.

Havre, Montana

Money Talks

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.

Background The Internal Revenue Code says that if you receive a distribution from an IRA, you can’t make a tax-free (60-day) rollover into another IRA if you’ve already completed a tax-free rollover within the previous one-year (12-month) period. The long-standing position of the IRS was that this rule applied separately to each IRA someone owns. Earlier this year, however, the Tax Court, in the case of Bobrow v. Commissioner, held that, regardless of how many IRAs he or she maintains, a taxpayer may make only one nontaxable 60-day rollover within each 12-month period.The IRS response to Bobrow The IRS, in Announcement 2014-15, indicated that it would follow the Tax Court’s Bobrow decision and apply the one-rollover-per-year limit on an aggregate basis, instead of separately to each IRA you own. However, in order to give IRA trustees and custodians time to make changes in their IRA rollover procedures and disclosure documents, the IRS indicated that the revised rule would not apply to any rollover that involved an IRA distribution that occurred before January 1, 2015.IRS further clarifies the new one-rollover-per-year limit In November, the IRS issued Announcement 2014-32, providing further guidance on how the revised one-rollover-per-year limit is to be applied. Most importantly, the IRS has now clarified that:

1. All IRAs, including traditional, Roth, SEP, and SIMPLE

IRAs, are aggregated and treated as one IRA when applying the new rule. For example, if you make a 60-day rollover from a Roth IRA to the same or another Roth IRA, you will be precluded from making a 60-day rollover from any other IRA--including traditional IRAs--within 12 months. The converse is also true--a 60-day rollover from a traditional IRA to the same or another traditional IRA will preclude you from making a 60-day rollover from one Roth IRA to another Roth IRA.

2. The exclusion for 2014 distributions is not absolute. While generally you can ignore rollovers of 2014 distributions when determining whether a 2015 rollover violates the new one-rollover-per-year limit, this special transition rule will NOT apply if the 2015 rollover is from the same IRA that either made, or received, the 2014 rollover.

The one-rollover-per-year limit does not apply to direct transfers between IRA trustees and custodians, rollovers from qualified plans to IRAs, or conversions of traditional IRAs to Roth IRAs.What this means to you In general, it’s best to avoid 60-day rollovers whenever possible. Use direct transfers (as opposed to 60-day rollovers) between IRAs, as these direct transfers aren’t subject to the one-rollover-per-year limit. The tax consequences of making a mistake can be significant--a failed rollover will be treated as a taxable distribution (with potential early-distribution penalties if you’re not yet 59½) and a potential excess contribution to the receiving IRA.

REVISED ONE-ROLLOVER-PER-YEAR LIMIT APPLIES IN 2015: IRS CLARIFIES RULES

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~~~~~ 2-II:5-I

Amazon Shoppers: Did you know Amazon will donate a portion of your purchase to the Big Flat Community Grain Bin, Inc.? Visit www.smile.amazon.com. Purchases MUST be made through Amazon Smile to qualify. x

February 18, 2015 ................................................................. Volume XIII Issue 4 .............................................................................. Tricia’s Trader 8

February 18, 2015 ................................................................. Volume XIII Issue 4 .............................................................................. Tricia’s Trader 9

FOR SALE – Private Treaty at the Ranch

CONTACT Matt at 406-979-5720 or Joanne at 406-773-5710

Wintering & Delivery Arrangements can be made

100 POLLED & HORNED Hereford BullsYearlings & Two-Year-Olds

20 Red Angus Bulls – Yearlings & Two-Year-Olds

For Sale: 184+/- acres of land South of Dodson that includes 57+ irrigated acres serviced by the Malta Irrigation District and 126+ acres of grazing land. A home site (no home) is outfitted with power, septic system & well. Asking $190,000 (264RJ6) 406-654-2273 MissouriRiverRealty.com 2-II

For Sale: Metcalfe barley, common. No sprout, germ, or water damage. Also, common Lavina hay barley seed. 406-680-7333. 2-II

For Sale: Vacant Lot West of Havre, MT. Includes well. Perfect for mobile/ manufactured home. Call Janis Flynn Pyrak @ 406-265-7845. 2-II

February 18, 2015 ................................................................. Volume XIII Issue 4 ............................................................................Tricia’s Trader 10 November 19, 2014...............................................................Volume XII Issue 22 ...........................................................................Tricia’s Trader 10

Where to Ea

t, Sleep &

Drink

in the Hea

rt of Monta

na.

CH

INO

OK

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Help Wanted: Sweet Medical Center – Chinook. Administrative Assistant/Ins. Enrollment Specialist (20-28 hours/week). Wage negotiable. Contact Meghan Morris at 406-357-2297. Applications at sweetmedicalcenter.org 11-II

Gifts and More: Manydistinctive gifts available at Promises in Malta. Real flame fire places, soda makers and much more. Come in and check out all your options. 578 Living Water Court, Malta. 654-2380. Open 7am-6pm. 11-II

Malta area: Many things are happening in Malta over the Holiday Season! Stores will be open on Sundays 11am-3pm starting Nov.28th 'til Christmas. Many late night openings for Christmas shopping. Watch the Malta Chamber ad for complete schedule. 11-I:1-IPrewett Interiors ~Your Home Store~"We sell Awesome stuff!". Decor & Gifts, too. (406)228-9844, [email protected], First St. N., Glasgow, MT 59230. Hours: M-F 8:30-5:30. 11-I:1-I

Guns - Chain Saws - Jewelry - Movies & more. Start your Christmas shopping at R-New Trading Post! 624 First St. W., Havre, MT. Mon-Sat, 9am-6:30pm. (406) 265-5057. 11-II

Traegar grills on sale for the first time ever! 10% off accessories or pellets with purchase of a new grill. Rebates are ending soon, so stop in to Ezzies Locations in Havre, Harlem, Malta and Glasgow. 11-I:1-I

For Sale: 1958 Ford 500 Truck, Tandem, Cat Diesel Engine w/ 40k mi. Has new battery and water pump. Transmission has been overhauled. $10,900 Call American Garage, LLC (406) 357-4201 today to test drive or for more info. 11-I

For Sale: 1999 Newmar Mountaineer Motor Home. 37.5 ft. Large slide-out. Rear queen bed. Washer/dryer. Flat screen TV. Wood flooring. New awning. Excellent shape! Low miles. $28,000 OBO. 406-265-8067. 11-II

Christmas Trail: Travel the Annual Christmas Trail to Loma, Dec. 6-7, 10am-4pm. Stop & browse Loma history in the One-Room School House, the Old Chappel Depot & warm up in the Little Shop all filled w/treasures of yesterday and today. Hwy 87 & 4th Ave. 11-II

For Sale: Alfalfa-Grasshay, round bales 1500-1600#. 306-267-5711 or 306-267-4548. 11-I:12-I

Nove

mber

19, 2014

...............................................................V

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Where to Eat, Sleep & Drink in the Heart of Montana.

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Wanted: 1971/1972 JD3020 thru 4620, salvage or good-running tractors. Call 402-256-3895. 1-II:4-I

Hay For Sale: 700 tons 3x4 square bales 35% alfalfa $100/ton. Also avail. 500 tons good clean straight grass hay 3x4 square bales $105/Ton. Also avail. straight 2nd cutting alfalfa 3x4 square bales $140/ton. 150 tons 2013 50% alfalfa mix in round bales $90/ton. Trucking available. 406-670-6551. 2-I:4-II

Items For Sale: International Model M tractor, with D9 front axle, F10 Loader, 12 ft. hay sweep, grapple fork, square bale fork; 4 horse pony harness with collars and spreaders; 1 set studded parade harness; D6 with Hydraulic Caterpillar Dozer. Call in the a.m. 406-738-4404. 2-II

Guitars of Montana: Band & Orchestra Rentals/Sales - American Guild, Gretsch, Jackson guitars. Bluegrass. Ukuleles. BOSS effects. Special orders welcome. We ship! #2 5th St. S., downtown Great Falls, (406) 453-4998; or call Bing at (406) 566-2223. www.guitarsofmontana.com. 10-I:3-I

For Sale: Get in shape with an upright Schwinn Air-Dyne exercise bike. Air Dyne Computer, reading stand, gel seat cover and extra dual action seat; instruction manual included. $350.00 Call 406-357-3572. 2-I

For Sale: AR15 .223 Windham Weap. Nikon BDC scope 3x9x40, 2 clips and case, $1159.99. 1390 rds. ammo, $639.99. Call 406-403-1804. 2-I

Wanted: Parts for Honda Four-Trax ATV w/ 350 engine, or a whole one for parts, or will sell mine for parts. Call 406-467-2566. 2-II

Help Wanted: Poker dealers, Chinook Eagles. Call 406-357-2329 or stop by the Eagles Club, Main Street, Chinook. 2-I

Home For Sale: 3 bedrooms, new plumbing, new furnace & water heater. 805 6th St., Havre, MT. $99,900. Call Havre Hi-Line Realty 406-265-0905. 2-I

February 18, 2015 ................................................................ Volume XIII Issue 34 ........................................................................... Tricia’s Trader 11

2015Date Sale info. Thu. WITTKOPP ANGUSFeb. 12 at Glasgow Stockyards1 pm Glasgow, MT Home 406-485-3552, Cell 974-3552

Mon. BULLS OF THE BIG SKYFeb. 16 Billings Livestock Commision Billings, MT Mon. CLEAR CREEK ANGUS BULL SALEMar. 2 Bear Paw Livestock, Chinook1pm 406-395-4962 www.clearcreekangus.com

Wed. NISSEN ANGUS, INC.Apr. 1 Blaine County Fairgrounds, Chinook1pm Jeff & Christie Nissen 406-357-2643 [email protected]; nissenangus.com

Wed. BOWLES J5 REDSApr. 2 Glasgow Stockyards, Glasgow, MT1pm Jim 406-539-3100, Brady 406-539-2102 [email protected]

Wed. R. MATH FARMS ANGUS SALEApr. 6 At the ranch, Whitewater, MT1pm Bob Math 406-674-5562

Mon. NORTHERN PREMIER ANGUS SALEApr. 9 Bear Paw Livestock, Chinook1pm www.montanasnorthernpremier.com Kelly McCracken, 406-262-2347 or Kim Peterson, 406-945-0544

Wed. MILK RIVER ANGUSApr. 15 Lunch at noon1pm Bear Paw Livestock, Chinook Contact: Clayton, 406-945-0850

Private BEERY’S LAND AND LIVESTOCKTreaty Polled & Horned Hereford & Red Angus Vida, MT Matt 406-979-5720, Joanne 406-773-5710

Private FUNK ANGUS RANCHTreaty Yearling Angus Bulls 18mi NE, Frazer, MT Gary & Roxann Funk 406-392-5777

Private J-E RANCH Polled/Horned HerefordsTreaty Plentywood, MT Arvid Eggen 406-895-2657 or Jay-De Eggen 406-671-7149 [email protected]

Private BAR STAR CATTLETreaty Polled and Horned bulls Chad and Stephanie Murnin 406-739-4303, 406-399-7811 [email protected]

Dec. 2015 SHIPWHEEL CATTLE 2 Year Old Black Angus Bulls Chinook, MT 406-357-2492 www.ShipwheelCattle.com

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 Supply, Great Falls. Call Today and Ask for our free catalog. Visit Us Online http://bigskypipeandsupply.com/html/ 1-II:7-I

For Sale: Three well maintained Malta rental properties located in an area where rentals are high demand! All have new roofs, excellent rental history and are currently bringing $1,375/month. Asking $155,000 for all three. (150SR6) 406-654-2273 www.missouririverrealty.com 2-I

February 18, 2015 ................................................................. Volume XIII Issue 4 ............................................................................ Tricia’s Trader 12

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.

DEAR DAVE, I’m retired, and currently I have about five percent of my retirement savings in gold and silver I’ve been acquiring over the last few years. I’ve seen gold prices decline significantly, and I’m wondering if I should hang on to it as a safety factor in the event the economy goes bad in a hurry. I want to make sure I’ll still have a safety factor, and something of value, if that happens. ~Steve

Dear Steve, What’s the safety factor here? And if everything goes downhill, why does it have value? Gold has this weird allure and mythology around it that says, “I’ve still got something that people will take when the economy crashes.” But the truth is there hasn’t been an instance when people used gold as a medium of exchange in a crashed or failed economy since the Roman Empire. People still use gold because they believe in it. We also believe in green paper with presidents’ faces on it. So, gold really has no more intrinsic value than that green paper. The only reason we place value on it is because we, the society, place value on it. A failed society might not place value on it anymore. In a completely failed economy, the first step is usually a takeover by a Fascist government. After that, you get a new color of money – of paper – with a new leader’s face on it. Then, the old stuff isn’t worth anything. It’s very seldom you ever see gold come to the rescue. I don’t believe in investing in gold for that reason. Plus, the track record on gold, as far as a rate of return, is horrible over the long haul. There was a time a few years ago when everyone went crazy on it, but other than that? Ugh! ~Dave DEAR DAVE, We’ve got our emergency fund in place, and we’re debt-free except for our home. We’d like to have a child soon, but my job requires frequent travel. I don’t want to be away most of the time when there’s a baby in the house, so I’m thinking about opening my own business. That way, I can set my own hours. What do you think of this idea? ~Ray Dear Ray, Ask yourself this question: If time and money weren’t considerations, which one would you rather do? You’d be on straight commission as an entrepreneur, so there would be no regular checks to count on as income. You’d have to wake up every single morning, go out and kill something and drag it home. If you don’t, your family won’t eat. An entrepreneur is the only person I know who can go from sheer terror to sheer exhilaration and back every single day. You’ve got to have a strong mind and heart to make things happen, and it will be a rough ride if you don’t have both. Plus, it won’t last long if you don’t absolutely love what you’re doing. Everybody wants to be successful in their job and make lots of money, but personal happiness is just as important. If you wake up jazzed about what you’re going to do every day, chances are you’ll be successful and happy. But if you wake up dreading the day and your job, then I can almost guarantee you won’t be successful financially or happy. Do lots of research and planning before you make any big changes, Ray. There are great small business ideas still waiting to be had, but to make something good happen you’ve got to find the one that’s right for you! ~Dave

* Dave Ramsey is America’s trusted voice on money and business. He has authored five New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership and Smart Money Smart Kids. His newest best-seller, Smart Money Smart Kids, was written with his daughter Rachel Cruze, and recently debuted at #1. The Dave Ramsey Show is heard by more than 8 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com.

Tell them you read it in “Tricia’s Trader”!

February 18, 2015 ................................................................. Volume XIII Issue 4 ............................................................................ Tricia’s Trader 13

66 Ranch Red Angus Red Angus Bulls for sale

www.66ranch.com

Bim & Janas Strauser Havre, MT 406.394.3519 or 406.945.1839

Special Eyes Too

(Special Effort si 104 x All Your Eyes On Me si 92 x

Mr Eye Opener si 106)

Guns, Guns, Guns! Huge variety to choose from. NEW Management, New attitude, New displays! Come in, get your Refund Check Cashed, and see what we've got! Leon’s Buy & Sell, 720 First St., West, Havre. (406) 265-3342. 2-II

Stop In: Let Malta Tire Factory take care of your vehicle today. See us for brakes, alignments, tires, service jobs, and more. We carry a full line of tires from Hankook, Goodyear, Cooper, Nokian and more. If we don’t have what your looking for, we will be happy to order it. 406-654-2120 open Mon- Fri 7:30-5:30. And Saturday 8-4. 2-I

Hay Hauling: $5/mile square bales, $6/mile round bales. Doubles hauling 44 round bales or 57 3x4 squares/load. MT and WY. Call 406-670-6551. 2-I

Home For Sale: Price Reduced! Cute 2 br, 1 bath home in Highland Park. Off street parking in back with garden area, nice double garage and fenced back yard. 1134 Lincoln Ave., Havre, MT. $119,000. Call Flynn Realty (406) 265-7845. 2-I

Dents? Paint Job? If you have dents or need a new 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. 2-II

New and Consignment: The Closet at 174 S. 1st Ave., Malta. A great place to shop for a great deal. We carry new and consignment items. New inventory added daily! Open Tues.-Fri., 10am-5:30pm & Sat., 10am-3pm. 2-I

Prayer to St. Jude: Precious St. Jude, precious mother and Sacred Heart of Jesus be praised, adored and glorified throughout the world forever. Amen. Say 3x/day for 9 days, your prayer will be answered no matter how impossible. 1-II:7-I

February 18, 2015 ................................................................. Volume XIII Issue 4 ............................................................................ Tricia’s Trader 14

Town: Prefix: 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 674

Whitewater 674Saco 527Hinsdale 364, 648Glasgow 228, 230, 263, 367, 831 Nashua 746Fort Peck 526Wolf Point 392, 525, 650, 653, 915Opheim 762Plentywood 765Circle 485, 974Jordan 557, 977Grass Range 428, 928Chester 759Geraldine 737Belt 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)

“TRICIA’S TRADER” IS PUBLISHED BY:

LLC Contact one of our Advertisers’ Advocatesto place an advertisement, or contact Kimmel Kreations directly at the address above.

2000 Country Club Road * Turner, MT 59542Phone 800-756-1817

Email: [email protected]

FAX: 888-796-8498

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 appraisal of 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 2003-2015. 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 in articles 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: The cost for a classified advertisement, up to 8 lines is $10 per 2 issues, and $1 per line over 8 lines for a MAXIMUM ad length of 13 lines. Add $5 per 2 issues for a box outline, and/or $5 per 2 issues for bold text other than the heading. The following specials apply for multiple classified ads: Place 3 classifieds or more in the same issue and get a 15% discount. Or run the same classified ad in every issue for a year for $100 (includes 4 issues free), or for six months for $50 (includes 2 issues free). Pictures/graphics may only be included in display ads. LIMITED FREE CLASSIFIEDS: ONE FREE UN-ENHANCED CLASSIFIED AD PER ISSUE per household for Items for Sale, Wanted, Garage Sales, Help Wanted etc. Will run for two issues. Business listings, auto dealers, services provided, land/housing, and all other categories may still advertise for the low rate of $10 per 2 issues. To place a classified, just fill out the form on this page and mail it to: Tricia’s Trader, 2000 Country Club Road, Turner, MT 59542. Or complete the form online at www.triciastrader.com. Please contact your Advertiser’s Advocate listed above to inquire about display 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 is available for $5 per full design or edit. Ask your Ad Rep about design fee waivers, 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.

Call YOUR Ad Rep today!

Limited Free Classifieds: ONE FREE Unenhanced Class./Issue/Household for Items for Sale, Wanted, Garage Sales, Help Wanted etc. Will run 2 issues. Business listings, auto dealers, services provided, land/housing, and all other categories may still advertise at the low rates below.

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SUBSCRIPTION REQUEST:☐ SAME AS BILLING ADDRESS☐ GIFT SUBSCRIPTION☐ MAIL TO:_________________________________________________(NAME)____________________________________________________________________________________________________________________________________________________________________________________________________(ADDRESS)☐ ONE YEAR (24 ISSUES) $26.95☐ TWO YEARS (48 ISSUES) $48.90 SAVE $5!

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*I hereby authorize Kimmel Kreations, LLC to charge my account in the amount indicated for advertising and/or subscription costs incurred by myself or my organization.

Tricia’s Trader SERVES THESE MONTANA TOWNS: EASTERN REGION:

Jamie Jones is happy to help you if you live in one

of these counties:BLAINEVALLEY

PHILLIPSDANIELS

ROOSEVELTSHERIDANRICHLAND

Jamie Jones800-756-1817 x104406-390-6386 (c)

Email:[email protected]

CENTRAL HI-LINE REGION:

We welcome Patti Solomon to the Tricia's

Trader team!

Beginning March 1st, Patti will serve you if you

live in

HILL COUNTY

Patti Solomon800-756-1817 x102

Email: central@triciastrader.

com

SALES MANAGER:Laurie Harvey

800-756-1817 x105406-672-9145 (c)

Email:adsales@triciastrader.

com

Owner, Tricia Kimmel800-756-1817 x101

anytime or 406-379-2377

from 8:30-3:30pm

WESTERN REGION, SOCIAL MEDIA & ONLINE AD

OPTIMIZATION:

Amy would love to help you if you live ANYWHERE else!

Amy Skryja800-756-1817 x103406-450-2588 (c)

Email:[email protected]

The next issue will be distributed W e d . , M a r . 4 , 2 0 1 5 .

Ad DEADLINE is W e d . , F e b . 2 5 t h a t 9 a m .Visit www.TriciasTrader.com

to place your ad today.

February 18, 2015 ................................................................. Volume XIII Issue 4 ............................................................................ Tricia’s Trader 15

Efficient Maternal Angus Excelling in a Demanding Environment

Wolf Creek, Montana

Annual Bull Sale

Wednesday, March 4, 2015

Ken Cook Home: 406/ 235-4281 Cell: 406/ [email protected]

Marcy Livestock Services George Marcy Cell: 308/430-2005 [email protected]

www.oxbowranchangus.com

SIRES REPRESENTEDGDAR Game Day 449

SAV Final Answer 0035 & SonsCole Creek Cedar Ridge 1VOx Bow Missing Link 1290

Redland Emblazon 3234 Coleman Charlo

Sitz DashM Diamond Driveline

• Fertile, Moderate Framed, Efficient Cow Herd with Exceptional Udder Quality

• Backed by Generations of Traveler 6807 and EXT Influence

• Superior Genetics for the Northern Range Grass Environment

Yearling Angus Bulls120

Over 75 bulls are suitable for use on heifers

Encouragement A woman needed encouragement to keep pedaling the exercise bike in her gym. So my friend, the gym manager, said, “Close your eyes and imagine you’re riding along Broadway in New York City. It will be more interesting.” Inspired, the woman cycled on, but after a minute she stopped. “What’s wrong?” asked my friend. “The traffic light’s red,” she replied..

February 18, 2015 ................................................................. Volume XIII Issue 4 ............................................................................Tricia’s Trader 16

Fresh Out the Gate, FARM Draws Plenty of AttentionStory and photos by Jeanie Siggaard

Farmers and Ranchers for Montana (FARM), is a fledgling agricultural organization launched in December 2014, committed to fair water policies, and consisting of over 500 members state-wide, including farmers, ranchers, businesses, Indian tribes, and local leaders who are concerned with the availability of water access for all Montanans.

Currently, FARM is focused on getting the controversial Confederated Salish and Kootenai Tribes (CSKT) water compact approved in the 2015 Montana State Legislature; not an easy task for their first time out. Depending on whom you talk to, CSKT is the salvation of Montana agriculture, or its downfall. A look at FARM’s facebook page shows comments running the gamut from “God help us if this passes,” and “This is the largest federal water grab in history,” to “…will protect the water rights of Montanans and prevent millions of dollars in litigation.” You will find links to Senator Debby Barrett’s public letter against CSKT and Dr. Ed Berry’s rebuttal of her letter, point by point. Because the water compact is FARM’s first issue since the organization’s formation, it is easy to lump the two together. However, by claiming to be committed to “fair water policies,” FARM has set itself up to champion all water users in the state, therefore committing itself to far more than what the CSKT water compact covers. Agriculture, in all its forms, is the number one business in Montana, with over 28,000 farms and ranches across the state. Water makes it all possible and a lack of water will negatively impact everyone because, in a way, we are all water users either directly or indirectly. Most of us envision farmers and ranchers as men and women presiding over vast herds of cattle and sheep roaming the prairie, or using giant machines costing hundreds of thousands of dollars to harvest thousands of acres of wheat, corn, and peas. This requires massive amounts of water to be successful; neither their crops nor herds can survive without access to a dependable water supply. The difference between irrigated farm land and dryland farming can be 60 bushels of wheat or more per acre, the price of a lease, one-hundred dollars or more per acre. On a smaller scale, our local producers, the ones who set up at once-a-week Farmer’s Markets around the state and provide us with access to locally grown produce and fresh eggs, to the home gardeners who produce enough for their families, and perhaps a little extra to share with neighbors, to the small rancher you buy a steer from every year to butcher and put in your freezer, are directly affected by these same water policies. Indirectly, those of us that purchase these products, whether through the grocery store, farmer’s markets, or directly from a farmer or rancher, will be similarly impacted by price, quality, and availability, according to the producer’s access to water. FARM has more at stake here than just the CSKT. The stated purpose of this organization, “a commitment to fair water policies,” encompasses more than the availability of water. Quality, use, and ownership fall under the parameters of their commitment, especially in Montana with regard to the Bakken Oil Boom and its alleged effects on water quality, and the recent attempts of city

In the land of the free, home of the brave, lies the Treasure State in all its grandeur, and unless you’re a newcomer here you’ve heard and felt the heartbeat of Montana’s economy, appearing in the form of Agriculture. Tricia’s Trader celebrates all that is Montana Ag by acknowledging the agencies, organizations and people who serve as the voice for their industry--not always unified, but absolutely passionate and devoted to their respective purposes. Since it’s impossible for the Ag Industry not to intertwine with utilization of this state’s natural resources, you’ll see features that discuss those industries as well. If you’ve ever wondered what all these groups do, what they stand for, who they support and why, you will never be handed a better opportunity to learn than in Tricia’s Trader over the course of 2015 and 2016, where we examine each faction in detail.

AG SERIES:

This edition of the Ag Series is brought to you by the advertisers on these two pages.:

Water has remained a fought-over resource for

thousands of years, and deciding Who gets to use

it and hoW remains a point of contention in this year’s legislature. f.a.r.m. has

taken up the battle to address the matter at the capitol.

February 18, 2015 ................................................................ Volume XIII Issue 34 ........................................................................... Tricia’s Trader 17

governments in other states to claim ownership of, and fining citizens for, collecting and using rainwater; in essence, claiming any water falling from the sky and landing anywhere in the city belongs to the city. It hasn’t happened here…yet, but that doesn’t mean it won’t. The co-chairs of FARM, Tom Beck, Karen Fagg, Lorents Grosfield, Roger Raynal, And Scott Reichner, have a history of being involved in various political

offices, agricultural and business organizations, and are, for the most part farmers and ranchers themselves. They have committed themselves to much more than the CSKT. They are fighting for a way of life, and Montanans from across the state are willing to join them in accomplishing this task. The CSKT water compact is just the first stop for FARM, a jumping off place of sorts, and will be resolved shortly. “State law requires the tribes to file their claims by June 30th, 2015,” says Shelby DeMars, Communication Director, for FARM. “Therefore the Compact must pass the legislature during this, the 64th Legislative Session.”

Since the 64th Legislative Session in Montana started on January 5th and runs for 90 working days, including Saturdays, the decision for or against the CSKT water compact will be made known by the middle of April. FARM is an agricultural organization to keep an eye on. Its naysayers claim the organization was formed with the intent of getting the water compact approved, meaning after this legislative session, whether they win or not, FARM will disappear. Their commitment to fair water policies, however, carries a much larger burden of responsibility.

no matter the outcome of the compact in this legislative session, montanans can be certain they Will feel the effects on many different fronts.

February 18, 2015 ................................................................. Volume XIII Issue 4 ............................................................................ Tricia’s Trader 18

For Sale: 2006 Ford F350 4-dr Powerstroke diesel. Only 58k mi., maroon w/ tan leather int., new tires, auto start, very nice. $21,000. Call 406-390-3177. 2-II

Sat., April 4, 5 p.m., Support Jalissa Horinek fundraiser for Student Ambassador trip, All-You-Can-Eat Pork Roast & Ham Dinner, Hingham Community Center, $10/ticket or $30 for family of 4, HUGE Silent Auciton, Lots of door prizes, No lose Booze Raffle, Raffle Winners Drawn: Pig, Gun & Large 3 places raffles. 2-II

Wanted: Good condition New Holland Hay Inverter, Model 166 or similar. Wanted for parts: Case International 5000 Swather w/ double auger header. Leave msg at 406-654-5253. 10-I:3-II

For Rent: Ind. Living 62+ &/Disabled, Subsdizd Rent 30%/income, Livg Rm, full kit., bedrm, bathrm w/tub or shower & safety bars. 465 sq. ft., Pub. Transit, 5 mls/wk avail. $25, Equal Housing Opp.&Handicapd. Sweet Grass Lodge: S. Peck, Mngr. Chester, Mt. 759-5400, MTRS Relay – Dial 711. 11-II:1-II

February 18, 2015 ................................................................. Volume XIII Issue 4 ............................................................................ Tricia’s Trader 19

For Sale: 2005 "Prowler" Camper Trailer for sale. 27' bumper pull one big slide out. Excellent Condition! Must Sell! Call 406-357-2410. 2-II

For Sale: Two steel buildings, 40x50 and 60x80. Leave name and phone number. (406)222-5535. 10-II:4-II

Now Buying All Kinds of Raw Fur. Skinned or unskinned. Coyotes--Red Fox--Badgers--R a c c o o n s - - M u s k r a t s --Bobcats. Thunder Mountain Fur Co., Larry DiLulo. 12610 Paradise Valley Rd., Chinook, MT (406) 357-2894. 11-I:3-I

Robin's Roost in Malta. Located between the Lucky Bullet and Moore's Printing. Fashions for the curvy girl! We carry sizes small to 3xl. 2-II

Team Apparel: Tournament Time is here! Show your team spirit and buy your team apparel here at Sew Sassy in Malta. Call and order, 406-654-1133. 2-I

February 18, 2015 ................................................................. Volume XIII Issue 4 ............................................................................ Tricia’s Trader 20