December 4, 2013 Volume XI Issue 23

$10.00

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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 , 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 !

From all of us at Tricia’s Trader to all of you: We wish you and yours a safe and blessed holiday season!

INSIDE: The Festivities Continue--

Holiday Festivities happening in Dec. (p. 17)

First Bull Sale Calendar of the season (p. 14)

December 4, 2013 ................................................................. Volume XI Issue 23 .............................................................................. Tricia’s Trader 2 Hay For Sale: 4x4x8 square bales, $60/ton, delivery available. Also, Hesston 4870 big square bale processor for sale $3,250. Please call 406-262-4155 Chester, MT. 12-I

Christmas Headquarters: Come to Spare Change for gift wrap, bags, bows, and ribbon. We also have Christmas cards and decor. Nothing over $5. 154 S. 1st Ave., Malta. 11-II

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. '70 Pontiac Bonneville 57k miles $7,000 OBO; '87 Lincoln 6dr. Limo some body damage 75,000 miles $3,500 OBO. Call 406-654-7794. 11-II:1-II

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The next issue of Tricia’s Trader will be distributed Wed.,Dec. 18, 2013. Ad Submission DEADLINE is

Wed., Dec. 11th at 9am.

CONTENTS:Classifieds, Classifieds,

EVERYWHERE!

Advertising Info .............. 10Bill’s Food Corner .......... 19Comic ............................ 15Comm. Spotlight ............ 17 Conservative Cow Dr. ...... 6Cowboy Poetry by ...... next Fred Liese ..... issueDave Says ......................11“Laugh Lines” ..................11“Money Talks” Financial Column ......................... 9Realty Section ................. 8Rodeo Roundup ............ 15 Subscriptions ................. 10“Things to Know” ............. 4

See pg 10 to place an ad!

Classified Rates:Classified, $10 up to 8 lines

$1 per line each add’l13 lines maximum.

$5 bold, $5 boxedRuns two issues.

FBR Fort Benton

Realty

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

Commercial building w/ over 2800 sq ft +/- can be anything! On Hwy Frontage on just under 1 acre. Updated building formerly a vet clinic, reception area could be one business and overhead door could be another... you decide! Situated on the edge of Fort Benton, MT just outside city limits. This deserves a look! Call for price. CULBERTSON HOUSE. Historic hotel bldg. w/ beautiful updated apt. Restored to perfection. Waiting for your special dream. Possibilities of art studio, restaurant, gift shop, B & B. Views of Missouri River & walking bridge in Historic Fort Benton, MT. $379,000. 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. Sale is subject to a current lease tenant. Call for more details. $145,000 TETON RIVER RANCH: 268 acres North of Dutton along Teton River and along west side of Interstate 15. Dry cropland, grass/pasture, treed bottoms with good habitat for game birds & deer. $550,000 (splitting property may be possible). Call Mark 406-788-9280• www.fbrealty.com

3 Sisters at 101 S. 1st St. E. in Malta has something for everyone! Now selling doTerra oils. Come shop the little store on the corner with a big selection. 406-654-2529. 10-I:12-II

For Sale: Hesston 8110 S swather w/16' hay header & 25' draper head. Contact Larry at Rainbow Irrigation (406) 357-2211 or rainbowsales@mtintouch.net. 12-I

Malta Tire Factory is ready to help you with all your automotive repairs and tractor tire repairs. Hwy 2 West, Malta. 406-654-2120. 12-I

For Sale: One-Owner 2013 Subaru Legacy Outback R Limited. AWD. 6-cyl, wagon, 5D. Low miles. Nice! Call Duane Sparks Chevrolet, (406)535-3455. 12-I

Hay for Sale: Approx. 150 ton alfalfa round bales, no rain. Located near Malta. Call 390-6364 or 390-0065. 12-I

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THINGS TO KNOW:Nov. 1-Dec. 10: JAYCEES TOYS FOR TOTS. Drop off locations in Havre: Kmart, IGA, Walmart, and Holiday Village Mall.

Nov. 1-Dec. 10: KOATS FOR KIDS. Drop off location: Havre Laundry.

Dec. 5, Thu: HAVRE HOME BUYER EDUC CLASS, 5-9pm,US Bank @ 235 1st St., Havre. Fee $25, Call (406)434-9161x111 to register and for more information.

Dec. 11, Wed.: CHILI SUPPER during the Harlem Country Christmas. Meal sponsored by Harlem Senior Center, 4:00-7:00pm.

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 kimmelkreations@yahoo.com.

Attention, Farmers: Offering 2013 pricing on 2014 Seedmaster Drills thru November 2013! Big Equipment, Havre 406.265.9554. 11-II

Speedy's Backhoe Service -N- More. Cheapest backhoe in town. Call Ed or Joseph at 406-357-3877 or 406-945-1979 (Chinook). 7-II:1-I

December 4, 2013 ................................................................ Volume XI Issue 23 .............................................................................. Tricia’s Trader 5

World’s first 50x Optical Zoom (24-1200mm) & 24mm Wide-Angle lens with Optical Image Stabilizer delivers magnificent images

12.1 Megapixel High-Sensitivity CMOS Sensor combined with a DiG!C 5 Image Processor creates the Canon HS System for improved low-light performance up to ISO 6400 & enhanced image quality

Capture stunning 1080p Full HD video in stereo sound (movie button) Bright 2.8-inch wide Vari-angle LCD with 461,000 dots for shooting at

a variety of angles, plus an Electronic Viewfinder. Includes Canon USA 1-year Limited Warranty/Registration Card Warranty available for inspection at authorized Canon dealers in the US.

The World’s Within Your Reach

$429.99

Public Drug and Camera Shop New Location→324 Central Ave, Great Falls, MT

(406)453-1497 • Open Mon-Fri:9-6 • Sat:9-4 • Closed Sundays

www.publicdrug.com Facebook.com/PublicDrug

Apple Trees: Order bare root apple trees for Spring planting! Several to choose from, $25 per tree. Call Anderson Orchards Today! Rudyard, 406-355-4596. 12-I

Filter Services: For all of your air filter and water filter cleaning services call Flawless Filters. Servicing North Central Montana with a complete line of Baldwin Filters. 406-376-3106, 406-799-4580 (cell) or email us at flawlessfilters@mtintouch.net 12-I

Win A Shotgun - Support Freedom! Enter to win Mossberg Flex 500 Hunting 12ga. Shotgun. Realtree Advtge. Max 4. Accuset choke tubes. 20” vent ribs. Synthetic coyote tan camo flex stock. Tickets $5 ea.or 5/$20. Drawing Dec. 7th. Spons. by Blaine Co. Republicans. Contact Wendy for tickets, 406.262.3185. Proceeds support electing cons. Rep.candidates in MT. 12-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~~~~~ 11-I:2-II#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/ 4-II:12-II

Radio Shack in Malta is now your local Triangle Mobile cell phone dealer. Call 406-654-3639 with any questions. 9-I:12-I

December 4, 2013 ................................................................. Volume XI Issue 23 .............................................................................. Tricia’s Trader 6

Today’s remarks may not fit town folk, but I grew up a country kid so it makes perfect sense to me. When I moved to the big city to attend the University of Wyoming, my life changed in a manner I did not think possible. Just like most kids, Christmas Day was the center around which the other 364 days revolved. However, during a long, slow and painful drive home from college for Thanksgiving, I had an epiphany with Thanksgiving suddenly bumping Christmas from its number one holiday slot. Spending three months walking on pavement in Laramie made me so miss ranch life, every afternoon I day-dreamed about going home for Thanksgiving break. I mentioned the trip home being slow and painful; slow due to President Carter’s ridiculous 55 mph speed limit. Yes, President Nixon introduced the double-nickel limit, but with a two year sunset. President Carter made it permanent by removing the sunset. The trip was painful due to the luxurious driver seat in my 1973 Vega. If you are ever diagnosed with terminal cancer and given six weeks to live, spend your final month and half in the front seat of a Vega because it will seem like forever. After rolling to a stop in the driveway, I squeezed out from under the steering wheel and stretched the kinks

out of my lower back. By the grace of God, I was raised a Wyoming cowboy and it felt so good to finally be home. Winter had arrived earlier that November because western capitalism was causing a new ice age, or so claimed the collectivist forefathers of today’s climate change alarmists. I did not believe them then either. Winters were either tough or open regardless the type of light bulb in your barn; a fact escaping the indoctrinated minds of those in academia. Did I mention it was great to be home? The next morning I saddled up to help Dad gather cow and calves trapped by snow drifts in the brushy draws in the hills behind the house and our horses struggled trying to lunge through the deepest drifts. When we stopped to let them blow we were enveloped in a mist of horse sweat slowly rising through the dead calm air. Neither of us said anything. We didn’t have to. This was just another moment spent with my father I would carry with me for the rest of my life. Many times during my eight years of study in the imaginary world of higher education I thought back to that moment in the east pasture when the only thing disturbing the stillness was the rhythmic breathing of our horses. It’s great to have a safety valve; something to fall back on when your world is discombobulating.

Going home to the ranch over Thanksgiving was mine and this brings me to my point. Our great American experiment in freedom has been fatally wounded by collectivism, Marxism, statism, progressivism, liberalism, or establishment Republicanism; it does not matter which title you pick because they are all the same. The popular theme is to lay the blame for our demise at the feet of President Obama, but he is merely the final captain of a ship previously plotted to plunge into the abyss. Obamacare, the death nail, was masterfully launched and it will be implemented regardless the wishes of the populace or elected officials. One hundred million Americans losing their health insurance is just the beginning of a system designed to collapse the health care system and force the unwashed masses to their knees and beg the ruling class for help. I am sad because I so admire America’s founders and all they created, but I know once collapse occurs there is no going home. If you still do not see what is happening you are either complicit or a fool. Take your pick; there is no third choice. I fear ours is the generation who failed to guard the watchtower of liberty.

Ramblings of a ConservativeCow Doctor

by Krayton Kerns, DVM, State Rep. HD 58

Going Home

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~~~~~

December 4, 2013 ................................................................. Volume XI Issue 23 .............................................................................. Tricia’s Trader 7

December 4, 2013 ................................................................. Volume XI Issue 23 .............................................................................. Tricia’s Trader 8

December 4, 2013 ................................................................. Volume XI Issue 23 .............................................................................. Tricia’s Trader 9

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.

Deciding when to begin receiving Social Security benefits is a major financial issue for anyone approaching retirement because the age at which you apply for benefits will affect the amount you’ll receive. If you’re married, this decision can be especially complicated because you and your spouse will need to plan together, taking into account the Social Security benefits you may each be entitled to. For example, married couples may qualify for retirement benefits based on their own earnings records, and/or for spousal benefits based on their spouse’s earnings record. In addition, a surviving spouse may qualify for widow or widower’s benefits based on what his or her spouse was receiving. Fortunately, there are a couple of planning opportunities available that you may be able to use to boost both your Social Security retirement income and income for your surviving spouse. Both can be used in a variety of scenarios, but here’s how they generally work.File and suspend Generally, a husband or wife is entitled to receive the higher of his or her own Social Security retirement benefit (a worker’s benefit) or as much as 50% of what his or her spouse is entitled to receive at full retirement age (a spousal benefit). But here’s the catch: under Social Security rules, a husband or wife who is eligible to file for spousal benefits based on his or her spouse’s record cannot do so until his or her spouse begins collecting retirement benefits. However, there is an exception--someone who has reached full retirement age but who doesn’t want to begin collecting retirement benefits right away may choose to file an application for retirement benefits, then immediately request to have those benefits suspended, so that his or her eligible spouse can file for spousal benefits. The file-and-suspend strategy is most commonly used when one spouse has much lower lifetime earnings, and thus will receive a higher retirement benefit based on his or her spouse’s earnings record than on his or her own earnings record. Using this strategy can potentially boost retirement income in three ways.

1. The spouse with higher earnings who has suspended benefits can accrue delayed retirement credits at a rate of 8% per year (the rate for anyone born in 1943 or later) up until age 70, thereby increasing his or her retirement benefit by as much as 32%.

2. The spouse with lower earnings can immediately claim a higher (spousal) benefit.

3. Any survivor’s benefit available to the lower-earning spouse will also increase because a surviving spouse generally receives a benefit equal to 100% of the monthly retirement benefit the other spouse was receiving (or was entitled to receive) at the time of his or her death.

Here’s a hypothetical example. Leslie is about to reach her full retirement age of 66, but she wants to postpone filing for Social Security benefits so that she can increase her monthly retirement benefit from $2,000 at full retirement age to $2,640 at age 70 (32% more). However, her husband Lou (who has had substantially lower lifetime earnings) wants to retire in a few months at his full

retirement age (also 66). He will be eligible for a higher monthly spousal benefit based on Leslie’s work record than on his own--$1,000 vs. $700. So that Lou can receive the higher spousal benefit as soon as he retires, Leslie files an application for benefits, but then immediately suspends it. Leslie can then earn delayed retirement credits, resulting in a higher retirement benefit for her at age 70 and a higher widower’s benefit for Lou in the event of her death.File for one benefit, then the other Another strategy that can be used to increase household income for retirees is to have one spouse file for spousal benefits first, then switch to his or her own higher retirement benefit later. Once a spouse reaches full retirement age and is eligible for a spousal benefit based on his or her spouse’s earnings record and a retirement benefit based on his or her own earnings record, he or she can choose to file a restricted application for spousal benefits, then delay applying for retirement benefits on his or her own earnings record (up until age 70) in order to earn delayed retirement credits. This may help to maximize survivor’s income as well as retirement income, because the surviving spouse will be eligible for the greater of his or her own benefit or 100% of the spouse’s benefit. This strategy can be used in a variety of scenarios, but here’s one hypothetical example that illustrates how it might be used when both spouses have substantial earnings but don’t want to postpone applying for benefits altogether. Liz files for her Social Security retirement benefit of $2,400 per month at age 66 (based on her own earnings record), but her husband Tim wants to wait until age 70 to file. At age 66 (his full retirement age) Tim applies for spousal benefits based on Liz’s earnings record (Liz has already filed for benefits) and receives 50% of Liz’s benefit amount ($1,200 per month). He then delays applying for benefits based on his own earnings record ($2,100 per month at full retirement age) so that he can earn delayed retirement credits. At age 70, Tim switches from collecting a spousal benefit to his own larger worker’s retirement benefit of $2,772 per month (32% higher than at age 66). This not only increases Liz and Tim’s household income but also enables Liz to receive a larger survivor’s benefit in the event of Tim’s death.Things to keep in mind

• Deciding when to begin receiving Social Security benefits is a complicated decision. You’ll need to consider a number of scenarios, and take into account factors such as both spouses’ ages, estimated benefit entitlements, and life expectancies. A Social Security representative can’t give you advice, but can help explain your options.

• Using the file-and-suspend strategy may not be advantageous when one spouse is in poor health or when Social Security income is needed as soon as possible.

• Delaying Social Security income may have tax consequences--consult a tax professional.

• Spousal or survivor’s benefits are generally reduced by a certain percentage if received before full retirement age.

Social Security claiming StrategieS For married coupleS

For Sale: Large round alfalfa bales. 1st and 2nd cutting. Feed reports available. 406-357-3222 day or 357-2768 eve. 11-II

Real Estate: Check out this week's ad on page 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 11-II

Kirkwood Funeral Home

654-1132Serving Northern MT from Malta

December 4, 2013 ................................................................ Volume XI Issue 23 ............................................................................Tricia’s Trader 10

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, 648

Glasgow 228, 230, 263, 367, 831 Nashua 746Fort Peck 526Wolf Point 392, 525, 650, 653, 915Opheim 762Plentywood 765Scobey 487, 783Culbertson 514, 787, 790Jordan 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, 997

“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: office@kimmel-kreations.comwww.TriciasTrader.com

FAX: 888-796-8498

SOCIAL MEDIA & ADVOCATE AT LARGE: Amy Skryja

800-756-1817 x103406-450-2588 (c)

Email:west@triciastrader.com

EASTERN REGION:Welcome Jamie Jones to the Tricia’s Trader team! Jamie is happy to help you if you live in one of

these counties:VALLEY

PHILLIPSDANIELS

ROOSEVELTSHERIDANRICHLAND

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

Email:east@triciastrader.com

WESTERN REGION:

Laurie looks forward to serving you if you live in the following counties:

CASCADELIBERTY

CHOUTEAU

Laurie Harvey800-756-1817 x105406-672-9145 (c)

Email:adsales@triciastrader.

comOwner, Tricia Kimmel

800-756-1817 x101

CENTRAL REGION:Wendy is ready to serve you if you live in one of

these counties:

HILLBLAINE

PETROLEUMFERGUS

JUDITH BASIN

Wendy Warburton800-756-1817 x102406-262-3185 (c)

Email: central@triciastrader.

com

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.

Call the Advocate for your Region today!

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December 4, 2013 ................................................................ Volume XI Issue 23 ............................................................................ Tricia’s Trader 11

DEAR DAVE, We’ve been supporting our son while he’s in college. He just finished his sophomore year, but he told us the other day he has dropped out of school and isn’t going back. He’s been playing in a band on weekends, and he has this vague idea of becoming a musician. We don’t think this is a good idea, but we still want to be supportive … just not too supportive. We want him to be financially independent, as well. How should we handle this? ~Karen

Dear Karen, This kid is about to have some problems. Not only has he made a bad decision, but he should have consulted with you guys before he quit school. He owed you that much if you were supporting him this whole time. In my opinion, you and your husband have one job right now. That job is to stand back and let life happen to this kid. If he thinks he’s a man, let him go out and prove it. Wish him the best and tell him you hope he becomes the rich and famous rock star he wants to be. But make sure he understands you’re not going to support him financially when he’s doing something you both feel is a bad idea. The First National Bank of Mom and Dad is officially closed! Understand that I’m not suggesting you turn your backs on this guy. Let him know how much you both love him and that you’ll be praying for him. Invite him over for dinner once in a while, stay in touch, and make sure he knows that family deals like Thanksgiving and Christmas are still business as usual. However, as far as paying for his rent, utilities, gas, food and cell phone bill? That stuff’s not happening. This may sound tough, but it was his decision. In the end, let him know you’ll be there to help just like before if he wises up and decides to finish school. But until then? Little boy, you signed up for this trip. ~Dave

DEAR DAVE, Should I lower my 401(k) contributions in order to pay off my car and home?? ~Jack

Dear Jack, If you’re following my plan, the first thing you should do is set aside an emergency fund of $1,000. That’s Baby Step 1. Next comes Baby Step 2, which means paying off all of your debt except for your house. This would include your car. During this time you should temporarily stop any kind of investing and retirement contributions. Once the only debt left is your mortgage, it’s time to move on to Baby Step 3. Now you concentrate on growing your emergency fund to the point where you have three to six months of expenses set aside. Once this is done, you can attack Baby Step 4, which is investing 15 percent of your pre-tax income for retirement. For you, it would mean re-starting the contributions to your 401(k). The rest of the plan goes like this. Baby Step 5 is putting money into your kids’ college funds, while Baby Step 6 is putting everything you can scrape together towards paying off the house early. After that comes the real fun. Baby Step 7 is the point where you simply build wealth and give. Follow these steps, Jack, and I promise you’ll have lots of fun and lots of cash. You’ll have financial peace! ~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.

ROBBIE’S MOVE

Used to being the center of attention, Robbie was a little more than jealous of his new baby sister. The parents sat him down and said that now that she was getting older, the house was too small and they’d have to move. “It’s no use,” Robbie said. “She’s crawling good now and she’d probably just follow us.”

Milk River Co-op in Malta and Chinook have a wide variety of muck boots in stock. Great gift for anyone. Malta 654-2022; Chinook 357-2280 12-I

Attention Farmers: When is the last time you had your farm policy thoroughly reviewed? We'd be happy to provide you that service, free of charge. Just give us a call. Jerry at Farmer's Insurance (406) 265-7333 or cell 799-4580. 11-II

Restaurant for Sale: Old Town Grill, Hwy 2, Wolf Point Mt. Call Linda 406-650-3321 or Jim 653-2742. Price negotiable and financing available. 10-I:12-3

C&J Spraying, LLC is now booking 2014 crop acres. Call Chet at 406-390-3582 or Jess at 674-5223. 10-I:3-I

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Woodstove For Sale: Blaze King fireplace insert, large vol. $450; will trade for stand-alone woodstove, old farmstead relics, books. See River Break Basecamp downtown Fort Benton, or call Tom @ 406 564 3326. 12-I

For Sale: 1,368+/- sq.ft. mobile home on a large lot in Malta with 3 bedrooms and 2 baths. Includes a range, refrigerator, dishwasher, washer and dryer. Asking $48,000 (119JF6) 406-654-2273 missouririverrealty.com 12-I

It's a Country Christmas at The Trash & Treasure Shop in Loma, Hwy 87 & 4th Ave, Sat & Sun, Dec 7-8 from 9-5. Antiques-collectibles and as-is merchandise. Plus jams, jellies and chokecherry syrup. Santa will be sharing in the festivities. Stop and shop! 11-II

For Sale: 2012 Dodge Ram 3500 Limited Cummins Turbo Diesel 30,100 miles, 4X4. This Ram has every option possible including a Herd Aluminum Grill Guard. Call for more info, 406-580-5068. 11-II

The Swap Shop: Pawn Broker that carries 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. 406-6531410. 12-I

Wanted: We Buy, Sell & Trade Gold & Silver. Havre Coin Shop & More. Appraisals, Estate Sales, Coins, Gold, Silver. 406-390-1761220 3rd Ave - Atrium Mall - Havre, MT havrecoinbuyer@yahoo.com 406-390-1761 12-I

For Sale: Compact Lennox oil furnace, $350. Master Tow car dolley, $750. Quilting frame, $45. Downhill skis & boots, $190. Hosp patient bed, $350. All in clean, like-new cond. Call (406) 355-4432. 12-I

For Sale: Double bull archery blind, $325. (Reg. $400). Call John at JR's Tackle Shop 406-353-4850. 9-II:12-I

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Date Sale info. Wed. SHIPWHEEL CATTLEDec. 11 at the Clear Cleek Ranch1pm Chinook, MT 406-357-2492 www.ShipwheelCattle.com

Wed. MASTER ANGUS Mar. 26 at Bear Paw Livestock Chinook, MT 406-357-2265 or 680-7483 www.masterangus.com

WINO STUFF SHADOWBOXES

BARNWOOD Frames CARPET REMNANTS

Laminate FLOOR $1.99 s.f. Personalized METAL SIGNS Bathroom, Kitchen, & Closet

ORGANIZERS

For Sale: Two 80’x140’ residential building lots on the edge of town adjacent to the Phillips Co. Hospital. Paved road access and utilities are nearby. Asking $17,500 each (103PCH6 / 104PCH6) 406-654-2273 missouririverrealty.com 12-I

For Sale: 12 Purebred Angus Bred Heifers, AI bred to Vermilion Bear Paw. Start calving Feb. 1. $2,000 per hd. 30 black/bwf bred heifers start calving March 1. $1,800 per hd. Please call 406-395-4962 for more info. 11-II

For Sale: 1 bedroom 1 bath house on a large corner lot in Saco, new roof but home does need some TLC. This could make a great cozy little home! Asking $25,000 (113CD6) 406-654-2273 missouririverrealty.com 11-II

Home for Sale: Comfy 3 bed home w/large kitchen, dbl garage, large lot! Reduced! $97,500. 928 2nd St., Havre. Call Jeanie Cole with Flynn Realty (406) 265-7845 or mobile 945-0931. 11-II

All Seasons Home Center: Larson Storm doors are 10% off until January 1, 2014 some stores may be special order. All Seasons Home Center 406-228-8288, or stop by 729 2nd Ave S., Glasgow, MT 10-I:3:II

For Sale: 2 bedroom home on the edge of Saco. Newer deck, furnace/heater, original wood floors and new linoleum in kitchen & bathroom. Reduced! Asking $35,000 (106RS6) 406-654-2273 missouririverreatly.com 11-II

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Brought to you by:

December 4, 2013 ................................................................. Volume XI Issue 23 ............................................................................ Tricia’s Trader 16

Home For Sale: 5yo. 2,500sq’. 4bed/2ba. Open, large kit w/oak, dbl oven, pantry. Fr doors. Newer A/C, heat. Bamboo. Jetted tub. Heated Dbl Garage. Studio apt. Low-maint corner lot w/fruit trees. Handicap-friendly. $289K, negot. Chinook, MT. 406-357-2635/860-2745. 11-I

Western Styles Salon: Come on in for hair, nails and tanning. We carry Iso, Matrix, Hempz, Paul Mitchell, Kenra, tea tree, Crew, Joico, and China Glaze products. Malta, Mt. 406-654-2072. 11-II

Season's Greetings from the crew at J.R.'s Party Store. Our holiday gift packs have arrived so come check us out and let us serve you this holiday season. We are located at 98 Highway 2 East (across from John Deere) in Glasgow. 11-II

For Sale: Older Toyota 5,000 lb. Fork Lift. Gas. Pneumatic tires. Make offer. 406.265.9852. 11-II

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December 4, Wed. Chester Christmas Stroll, CHESTER Downtown Chester from 4-7pm. All downtown businesses will be open. Food vendors and crafters on site. See Santa! 406-759-4848

December 5, Thu. Festival of Trees MALTA. “Christmas Carols” Displays viewable at Phillips County Museum. 406-654-1037

December 6, Fri. Christmas Stroll, GREAT FALLS 406-453-6151.

December 6, Fri. Annual Christmas Parade and Parade of Lights, WOLF POINT. Magical and enchanting evening featuring a parade with lighted floats. Santa will be there and awards will be given to the best floats! Make it a Christmas to remember! 406-653-2012

December 6-8, Fri.-Sun. Chouteau County Country Christmas, FORT BENTON, LOMA, BIG SANDY. Christmas activities with a historic flair! 800-426-2926

December 6-7, Fri.-Sat. Festival of Trees and Night with the Claus, LEWISTOWN. A weekend of decorated Christmas tree viewing. 6th 6-8 enjoy sweets with the family and have photos with Santa and Mrs. Claus. Face painting for the kids and balloon art, too!! 406-535-2257

December 7, Sat. CONRAD Christmas Stroll Conrad. “Week of Holiday Wonders”. A fun night of traditions and attractions for all ages. 406-271-7791

December 7-8, Sat.-Sun. A Real Country Christmas at a Real Country Store, VIRGELLE. Celebrate the season at Virgelle. A ghost town along the “Wild and Scenic” Missouri River. Antiques, collectibles, refreshments, silent auction. 800-426-2926

DECEMBERHoliday Festivities

SEUBERTINSURANCE, INC.Farm w Crop w Hail

Our company has great hail rates and quick binding authority for your crops!234 Front Street l P.O. Box 902 l Shelby, Montana 59474

406-434-5211 l 1-800-585-5212Russ Seubert, Agent

406-434-5506 - Home

Auto w Home w Life

Economical And Valuable Christmas Presents: Lay - Away? Your pleasure is our satisfaction. Many saddles, guitars, amps, jewelry or firearms available. Electronic games, computers, iPads, and tools. Leon's Buy & Sell, 720 1st St., Havre. 265-3342 12-I

For Sale: Pool Table, Prof. size, near perfect shape, Felt near new shape, No money slot, 7 cues, $700. Bring help to load. Electric Lowrey Organ w/ learner's books. Bring help to load. Amplifer w\15" speaker, Sunn Concert bass amplifer Model L115RH, $200. Dick Tilleman 406-357-3412, tilldirt@itstriangle.com. 12-I

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Looking For? A duarable long lasting balebed, flatbed, bale handler, carry all. Call Smith's Repair, 954-2564, your local Krogman dealer located in Roy and Malta. Manufacturing the best quality since 1989. 12-I

For Sale: 2011 Chev Suburban LTZ 4WD, color White Diamond, 5.8 V8, entertainment center, tow pkg, heated cooled leather seats, power running boards, Titanium interior, every option that was available. Less than 21,000 hiway miles. Compare to new one with MSRP of $60,000. $49,000 OBO. Call 406-734-5231. 11-II

Prewett Interiors ~Your Home Store~ "We sell Awesome stuff!" Decor & Gifts, too. (406)228-9844. 41prewett.int@nemont.net, 41 First St. N., Glasgow, MT 59230. Hours: M-F 8:30-5:30. 11-II

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NUTRITION AND FERMENTATION

I am not a chemist but I have studied nutrition enough to believe that the human body is a walking talking chemical factory. One of the best things we can do to keep it healthy is to provide it with all of the raw materials necessary to complete the formulations needed to build, repair and operate the factory. An area of chemical production that doesn’t get the attention or credit it deserves is fermentation. We all occasionally (some more often than others) have a glass of wine, a bottle of beer or a shot of whiskey without giving a thought to the busy little helpers that formulated the healthy (remember moderation) concoction for us. Ferment is the result of the digestive process of yeasts, molds and bacteria, or “Beasties” as Antony Van Leeuwenhoek called them. He was a Dutch microscope maker who discovered bacteria in 1676. As in all of life there is good and there is bad. Under properly controlled conditions the good Beasties overcome the bad. However, before you venture into fermenting, I recommend you do your homework first; you will be richly rewarded for your time. There is a flood of information on the internet, and two books that I highly recommend are “The Art of Fermentation” by Sandor Ellix Katz and “Nourishing Traditions” by Sally Fallon. Fermentation was originally used as a method to preserve food. Through use it was soon recognized as a tool to improve the flavor of foods, as well, and that accounted for its popular growth through out the world. In recent years it has been discovered that many of the compounds formulated by the little Beasties add greatly to the health of the human body as they contain chemical formulations we cannot create ourselves. I currently have three ferments working in the kitchen. First, I make my own Creme Fraiche. It is far superior to commercial sour cream.In a clean quart jar add 1 pint heavy whipping cream and 3 Tbsp. Cultured buttermilk. Stir, cover but don’t seal, and put in a warm dark place for 48 hours. Stir, move to fridge and use as you would sour cream. Before you run out use 2 Tbsp. Of Crème Fraiche as your starter for the next batch. I have kept the Creme Fraiche in the fridge for over a month and it was still good. If it gets too thick for your taste, just stir in a little cream or half-and-half. My Favorite is “Rum Pot”. This is especially good to have on hand around the holidays. It’s best if it is an “old pot”, meaning it has been working for a long time. You can use any kind of canned or fresh fruit but I would recommend against using cooked apples or pears as they turn into mush to easily. I use cans of fruit cocktail, peaches, cherries, pineapple bits, and fresh fruits and berries that are in season. Cut any large pieces into small bites. You can be the judge as to how much of the juice in the cans you put in the pot. If you like the juice over ice cream add it all, if you just like a bowl full of flavored fruit leave it out as it will make a lot of juice anyway. Next, add sugar at about half the rate of fruit. Actually, you add sugar to taste, but 1 lb. of fruit to ½ lb. of sugar is a good place to start. Then add sugar to taste as you use it. I would recommend starting with a gallon jar filled about half or a little less. For a starter in ½ gallon of fruit, add 1 cup of your favorite Rum (I use Malibu Coconut Rum). Stir, cover without sealing and set in a warm place. It doesn’t have to be in the dark, you should stir it at least once every day, which helps it work (ferment) and it needs to be used and refreshed with some new fruit and sugar at least once a month to keep it working. As you use it for the first few months you might have to add some additional Rum to taste until the culture takes over and builds its own flavor. It is good straight out of the jar or as a topping for most desserts and especially ice cream. Once you keep it going long enough to develop the right culture you will have a valuable asset to share with friends and family. The Sour Dough Sponge will have to wait for another issue.

Bill’sFood Corner

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”!

The Closet: A great place to shop if looking for that super deal. We carry new and consignment items. New inventory added daily. Open all late nights openings during the holidays and open during the day Tues.-Fri., 10am-5:30pm; Sat. 10am-3pm. 174 S. 1st Ave., Malta. 11-II

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For Sale: 2012 Arctic Cat Bearcat Snowmobile, no miles, $6,995. Call Larry at Red’s Auto Electric (406) 265-9595. 12-I

Independent Home Health-care: Peace of Mind, One Home at a Time. We offer home healthcare services providing personal care plans to assist the elderly and disabled in the comfort of their own home. Now accepting Medicaid Waiver Insurance! Call us now 406-357-3874. 11-II:2-I

For Sale: Gooseneck trailer, tandem axle, 20 ft. long, equipped with hay racks. Ready to go, all new tires, brakes, springs, mostly rebuilt. Has loading ramps. Call 383-4440 or 390-2466. 11-II

For Sale: Black & Red Angus short term cows. Shots and poured. Bred Charolais. Start calving March 25th. Call 406-367-5577 or 406-367-5574. 11-II

Hay For Sale: 400 ton Alfalfa-grass hay, Round Bales, Poly twine. Bales weigh between 1300-1500#, RFV value 111, % Protein 12.3, $70/ton, July 2013 cutting. Call cell 402-202-8930, Wolf Point, MT. 12-I

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Guitars of Montana. Band & Orchestra Rentals/Sales - Educator approved instruments. American Guild guitars. Bluegrass. Ukuleles. BOSS effects. Special orders welcome. We ship! #2 5th Street South, downtown Great Falls, 406-453-4998 or call Bing at 1-877-566-2224. www.guitarsofmontana.com. 8-I:1-II

Blades Hair, Nail And Day Spa: Take advantage of our Winter Special. 20 tans for $50, saving you $20. Buy 4-1 hour massages for $150, saving you $12.50 a massage. Book a pedicure and get $5 off coupon for next one. Located at 4 S. 1st St. W. in Malta, 654-5585. 10-I:12-II

Stretch's Pizza: Great variety of tasty food to make everyone happy. Our banquet room is available for any occasion, and for those people who have everything, we have gift cards. 140. S. 1 E. Malta, 406-654-1229. 11-II

For Sale: 2009 Arctic Cat Prowler XTX 700, soft top, 2,385 miles, $7,000. Call 390-2403. 11-II

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Wanted: Farm or Ranch Units to List & Sell! We have prequalified buyers ready to purchase. Please contact Janis Flynn Pyrak @ 406.265.7845. 12-I

For Sale: 2004 Flexi-Coil 67XL sprayer, 1,500 gallon tank, 124 foot booms, Autorate, hydraulic unfold tandem wheels on tank. Very good condition. 406-263-4320. 12-I:1-II

For Sale: Double bull archery blind, $325. (Reg. $400). Call John at JR's Tackle Shop 406-353-4850. 9-II:12-I

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For Sale: 20 Commercial Hereford Replacement Heifer Calves, $900 per hd. Also 5 performance tested registered heifer calves. Granddaughters of CL1 Domino 955W. Please call 406-395-4962 for commercial or 386-2244 for registered. 11-II

For Sale: '79 F150 4 wheel Drive. Everything under hood is rebuilt, lift kit, new tires, lots of extras. $5,000. Call 406-654-2192. 11-II

We Buy Antiques! One item or a household, give us a call! Virgelle Mercantile. 1-800-426-2926 or 378-3110. 11-II:1-I

For Rent: Independent Living for adults 62+ or disabled. HUD subsidy available if qualified. Stop by or call Today!!! Sweet Grass Lodge, 511 First Street West, Chester, MT 59522. 406-759-5400. MTRS Relay: Dial 711 ***Equal Housing Opportunity***Handicapped Accessible. 8-I:1-II

Pay Less: Why pay $400 for an electronic game call when you can get one for $85 including shipping. How about a game camera for $65? How about a web camera to look at your fields, water tanks, barn? Visit www.moosedriver.com. 11-I:4-II

Tricia’s Trader . . . The Best-Read Trader from the Mountains to the Plains! December 4, 2013