June 18, 2014

June 18, 2014 Volume XII Issue 12

Postal Customer

$10.00 s!

Classified

800-756-1817 w w w . T r i c i a s T r a d e r . c o m

PRSRT STD

FREE-E! TAKE ON

Happy Independence Day! Let Freedom Ring!

Over 8,500 copies distributed all across NorthCentral Montana!

Place your ad online today at www.TriciasTrader.com.

June 18, 2014.........................................................................Volume XII Issue 12.............................................................................. Tricia’s Trader 2

For Sale: Farm equipment--300 gal. slip tank w/ pump; 430 gas Case tractor, bucket, rock forks, PTO; 2000 Honey Bee Header, 36 ft., TR mount; 2006 John Deere 7920 w/ 746 loader, 3100 hrs. Call 406-674-5233. 6-I CORRECTION: It has been brought to our attention that there are NO events planned at the Lohman Motorsports Complex this year as was incorrectly indicated in the June 4th Motorheads Schedule.

We apologize for any confusion this misprint causes. ~The Editor For Sale: 2004 Yamaha PW 50 Motorcycle, excellent cond. 406-374-2422.

6-I For Sale: Two homes close to downtown Malta, large corner lot. Larger home features 2 BR and 1-3/4 baths on one level, newly updated living space. Smaller 1 BR, 1 bath home surrounded by privacy hedge and currently rented.

All appliances included, making both homes movein ready! Asking $97,500 for both! (133JC) 406-654-2273 missouririverrealty.com 6-II

June 18, 2014.........................................................................Volume XII Issue 12.............................................................................. Tricia’s Trader 3

CONTENTS:

Classifieds, Classifieds!

Advertising Info............... 14 Auction Calendar............ 16 Bill’s Food Corner:Next iss.

Comic............................. 10 Conservative Cow Dr........ 7 Dave Says...................... 13 “Laugh Lines”.................. 15 Lady & the Ranch:.Next iss.

“Money Talks”................... 9 Realty Section.................. 8 Rodeo Roundup..............11 Subscriptions.................. 14 “Things to Know”.............. 4

See pg 22 for deadlines, rates & to place an ad!

Classified Rates: Classified, $10 up to 8 lines $1 per line each add’l 13 lines maximum. $5 bold, $5 boxed Runs two issues.

For Sale: Summers Ultimate NT, 100 ft. boom, 1500 gal tank, 450 Raven rate controller, sidekick/direct chem injection.

Call 406-674-5233.

6-I

Need Insulation? Contact Darrell Carney for your foam insulation jobs.

Certified applicator.

406654-7017 or 390-4156. 6-II

Coin Collectors: Rare, Carson City Morgan Silver Dollars!!

Attn.: Fishermen: Great, proven, locally-made Trout Flies! See Big Sky Images & Collectibles, Holiday Village Mall, Havre 406-399-6522. 6-II

FBR

Fort Benton Realty

Commercial Property Approx 2500 sp ft building featuring a retail area, cold storage, plus partially fenced rear yard for security. Great Location in Central Business District. 1418 Main Fort Benton $50,000 Price Reduced!!Fort Benton Commercial Opportunity.

Nice automotive/tire repair building on prime corner location in central business district. Off street parking and storage located on property. Call for more details. $125,000 Great spot for your new home!! Double car garage and 6 lots make this a great location to build or to position a new modular home! Located on the corner at 2120 Washington---one-half of the block! $85,000 Call Mark @ 788-9280 www.fbrealty.com 1426 Front Street, Fort Benton, MT (800)406-0946

Retail offices available for lease between Hardware Hank and Radio Shack in downtown Malta. 190 sq ft to 752 sq ft. office sizes. $750 to $1400/ month including utilities. Malta Business Center. Call 406-6541523 or 505-508-6830. 6-I

Gospel Jamboree: Come 2 by 2 for a boatload of music & fun at the Milk River Gospel Jamboree, June 27, 28, & 29, Malta High School. Music Fri nite, all day Sat, & Sun afternoon.

Meals every day, silent auction, raffle, free admission. www. milkrivergospeljamboree.org "Like" us on Facebook. 6-II

June 18, 2014.........................................................................Volume XII Issue 12..............................................................................Tricia’s Trader 4

THINGS TO KNOW: Jun. 18, Wed.: ANNUAL RABIES CLINIC, sponsored by the Big Flat 4-H Club, Turner, MT at the Old Fire Hall, 11:00am - 3:00pm.

Jun. 24-July 2 : FIREWORKS BOOTH, sponsored by the Havre Jaycees, parking lot of Frontier Lawn & Landscape, 2nd St. W. Open Noon - Midnight.

Help support 4th of July fireworks display in Havre!

July 4-6, Fri.-Sun.: ALL SCHOOL REUNION, Chinook.

July 2th, Sun.: DEMOLITION DERBY & BUMP ‘N RUN, sponsored by the Havre Jaycees, Great Northern Fairgrounds, Havre. 5pm. Reg. 1pm. More info? See ad on page __ July 10-13, Thurs.-Sun : BLAINE COUNTY FAIR, Carnival, 5pm Thurs.4pm Sun. Kids Rodeo, Thurs. 5pm. Concert, Fri. 7:30pm. Demo Derby, Sat. 5pm. Pig Wrestling, Sun. 4:30pm. More info? See ad inside!

July 16, Wed. : JONI HARMS IN CONCERT, Great Northern Fairgrounds, Havre, 8pm.

July 23-26, Wed.-Sat.: CENTRAL MT FAIR, Fergus County Fairgrounds, Lewistown. Rodeo, Wed. & Thurs. 7pm. Night Show, Fri. 8pm, Motor Madness, Race, Sat. 1pm, demo derby 8pm. Carnival, Free entertainment!

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.

For Sale: 2013 GMC 2500 crew cab long box 6” lift 6.0 liter, black, 3/4 ton, $35,000 OBO. Call 406-945-1923. 6-I

General Contractor, LLC.: Donald J Smith. Windows, screens, decks, doors, etc...

Shop opening soon in Rudyard for glass and screen repair and small jobs. 406-9454376 or 406-355-4420. 6-II

WE DO WEDDINGS!!!

FRESH FLOWERS AND UNIQUE ARRANGEMENTS! We proudly serve Joplin, Chester, Inverness, Rudyard, Hingham and Gildford! HILINE FLORAL, Joplin Montana, 406-292-3225 6-I

June 18, 2014.........................................................................Volume XII Issue 12.............................................................................. Tricia’s Trader 5

For Sale: 2001 Yamaha YZF 426 Motorcycle, excellent shape. 406-374-2422.

6-I 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 6-II Now Open!

Marias River Greenhouses! See us First for the best selection of bedding plants, potted plants, hanging baskets, vegetables/herbs, patio pots professional soil and fertilizer.

18 mi South of Chester or 35 mi North of Fort Benton on HWY 223. 406-456-3276 6-II Topsoil & Compost for Sale: Get your garden off to a great start! Screened Compost & Compost-Topsoil mix for sale. In-town delivery in Havre no charge!! Call Northern Industries (406) 399-4238 or 265-6015. 6-I For Sale: Augers--Batco 70' belt auger/Vanguard motor, Hydro moves; 7" Brandt Auger, Honda 18hp motor, 450. Call 406-674-5233. 6-I

June 18, 2014.........................................................................Volume XII Issue 12.............................................................................. Tricia’s Trader 6

For Sale: Residential lot for sale in Chinook, Montana.

Water, sewer, electric. 406-262-3185. 6-I

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

6-II

PROPERTIES FOR SALE mpany o C s r e k o Br

The market we are experiencing for agricultural land and successful small businesses is strong. If you are or have considered selling your property or business, now may be the time, we are getting them sold! Give Russell a call to discuss your particular situation; it doesn’t cost anything to explore the possibilities.

SANDSTONE CATTLE CO. HEADQUARTERS

Located on paved Horse Creek Rd, +/- 10 miles west of Circle, MT. Daily school bus service is provided, and mail 3 days a week. The 20 acre estate includes, the main home which has been recently, extensively remodeled. It has a Ground Source Heat pump and whole house HEPA air filtration system. Many beautiful updates have been done to the house. There is a covered patio, which provides a wonderful outdoor living space for entertaining. There is also a restored schoolhouse on the property that would make a wonderful guest house or office space. The property also has a garage, shop and other storage buildings. There is a total of 640 acres available if the 20 acres does not meet your needs.

CIRCLE UNION 40 +/- 40 acres +/- 8 miles south of Circle, MT on all weather road, rolling native grass hills, utilities nearby.

Daily mail service and school bus route. PRICE REDUCED TO $95,000

Whispering Pines

STATE AGENCY LIQUOR STORE

Comfortable work environment, many ways to increase volume and profits, owner wishing to retire. Located in commercial rental space, monthly rent and utilities $400.00. To and from Bakken location, traffic counts +/- 900 per day.

WHISPERING PINES One of a kind opportunity located on the east side of the Little Rocky Mountains in Central Montana, in the Historic town of Zortman. School bus and mail service to and from Malta, MT , which is 45 miles, are provided daily. The Lodge is well thought out metal structure with +/- 1600 sq ft of living space on the main floor and 2 +/- 800 sq ft apartments on the second floor.

These apartments are rented out to recreationist and hunters. The property borders forest service lands with thousands of acres of public land in the area.

There are many recreational opportunities in the area, this is a naturalist’s dream location. $299,000.00

Sandstone Cattle Co. Headquarters

For more information or to make a physical inspection of the property please contact:

Russell Pederson

384 MT HWY 200 West - Circle, MT 59215 - 406.939.2501

WWW.MONTANALANDAUCTIONS.COM

The information provide herein was gathered from sources deemed reliable but is not guaranteed by the Sellers or their agents. Prospective Buyers should verify all information and inspect the property to their full satisfaction before making any offers to purchase said property.

June 18, 2014.........................................................................Volume XII Issue 12.............................................................................. Tricia’s Trader 7

Ramblings of a Conservative Cow Doctor

by Krayton Kerns, DVM, State Rep. HD 58

Trapped in the Basement Reading Obituaries

This is my universal, post-commencement address column; universal in its applicability to both high school and college graduates. College grads out shine their high school counterparts in terms of indoctrination, but differ tremendously in terms of debt, dependency and desperation. College grads are broke, mired in debt, unemployed, and hopelessly living in their parent’s basements. High school graduates are cash neutral, debtfree, and also live in their parent’s basement, but they have hope because their commencement speaker recently said they were America’s future and they believed it. Investing eight years at college earning a four-year degree will change that.

A recent CNN poll reveals 63 percent of 18 to 34 year olds think the American dream is unattainable. Interestingly, at age 35 the no-hope marker drops to 59 percent, an astonishing improvement of four percentage points. This is the age one recognizes their days of athletic superiority in basketball, golf, team-roping, bar-hopping, or fishing has passed and imperceptible changes begin creeping into their lives. Time previously spent studying the sports pages is replaced reading the box scores of the obituary column. “Why did that 42-year-old guy die?” becomes the dilemma of middle age minds. When basement dwellers suddenly discover they might only have seven years left, they

crawl out into the sunlight determined to make something of their life. The “Stop Climate Change” and “Che Guevara” posters formerly stuck to the walls with biodegradable clay are tossed in the trash. It is time to grow up. The right was right all along and it is time to find a job; a real job. Winston Churchill is attributed to have said, ““If you’re not a liberal at twenty you have no heart, if you’re not a conservative at forty you have no brain.” He was so right.

The American dream is entirely attainable but not using the same logic which put you in the basement in the first place. Once you realize the purpose of higher education is to advance collectivism, you can toss your master’s degree in ethnic women’s studies aside and get on with life. Play your cards right and you just might land a job with a company owned by a fellow with a GED. Good luck because you voted yourself into quite a hole as indicated by the plummeting labor force participation rate.

Over one-third of Americans are no longer in the workforce.

President Obama’s recent Climate Change Decree, in addition to being illegal, will devastate our economy. In his own words he said energy costs “would necessarily skyrocket.”

On the job production side of the economic equation, Montana’s massive coal, oil, and natural gas reserves will sit as idle as the

For Sale: Krause parts and other parts at Power Motors Implement. Hardi, Mayrath, older Spra Coupe, Westgo, Gysler, Edwards, Adja and a group of Minneapolis Moline and Ford parts. Fort Benton.

Call George at 406-799-7459 or email gfultz@gmail.com. 6-I

unemployed 18 to 34 year olds living in their parent’s basement.

The scientific community now admits global warming is an elaborate con, yet college conditioned you to blindly vote for it, so you did and this gets me closer to my point.

President Obama is about to drop the other shoe.

There is talk his next executive order will restrict student loan repayments to no more than 10 percent of one’s monthly salary.

College attendees will herald this as a good thing without stepping back and critically examining their plight and this does bring me to my point.

The federal government has nationalized the student loan program; they own your debt and never forget the borrower is always slave to the lender. Everyone is encouraged to get a college degree regardless the time or cost, so the government owns your mind. With a stagnant collectivist economy you will never find a job, so upon graduation the government also owns your wallet. The best you can do is beg for government sponsored universal health care while feeding yourself on EBT cards. Only then will you discover dependency on government is as humiliating as dependency on parents. It is liberty and freemarket capitalism which made America great and the sooner we abandon collectivism the better off we will be.

June 18, 2014.........................................................................Volume XII Issue 12.............................................................................. Tricia’s Trader 8

For Sale: Purebred female border collie puppy, born Mar. 15. Tuxedo marking, 1st shots, dewormed. $200. Prefer ranching environment, she's super smart and trainable.

Saddle Butte Border Collies, selling proven stockdogs since 2005. Call 395-4442, lv msg. 6-I

For Sale: Great city lot available for residential building in Malta. Lot measures 80’x 140’ and is located on the east edge of town. Paved road access to lot. Build your new home here! Asking $17,500 (103PCH6) 406-654-2273 missouririverrealty.com 6-I

June 18, 2014.........................................................................Volume XII Issue 12.............................................................................. Tricia’s Trader 9

Money Talks

Complements of Greg Dugdale Raymond James Financial Services, Inc. Havre, Montana

HIgH-FrequencY TradIng: unsaFe aT anY speed?

You may have heard news reports recently about the controversy on Wall Street over high-frequency trading. Though the practice isn’t new, it has received fresh attention in recent months as multiple regulatory agencies have launched investigations of high-frequency trading (HFT) and HFT firms. The U.S. Department of Justice, the Securities and Exchange Commission, the Commodity Futures Trading Commission, the FBI, and the New York Attorney General’s office all have confirmed that they are looking into high-frequency trading and how it’s being used or possibly misused.

Just what is high-frequency trading?

The term “high-frequency trading” is not clearly defined. It has been applied to a variety of practices, some of which have divided Wall Street over whether they help, hurt, or have no impact on investors; sometimes it’s even used as a catch-all phrase to describe the use of automated electronic trading.

High-frequency trading generally involves lightning-quick computer-driven trades done in milliseconds and even fractions of a millisecond. Trades are based on proprietary algorithms designed to analyze massive data feeds in order to identify and exploit small price advantages, generally by trading in high volumes. For example, an HFT strategy might involve submitting simultaneous orders for the same security to different trading venues to try to profit from small price differences. HFT computers often are located as closely as possible to an exchange or data feed provider to minimize the amount of time it takes for data or orders to be transmitted or executed.

The SEC estimated in 2010 that at least 50% of all equities trades at that point were high-frequency trades.* High-frequency traders may include hedge funds, firms that trade on their own behalf, or the trading desks of multiservice broker-dealers.

Why is there so much discussion about HFT? Much of the recent attention to HFT has to do with whether use of superfast data feeds has given high-frequency traders an unfair advantage over other investors. One issue under investigation involves a practice known as “payment for order flow,” in which traders are compensated by a trading venue for routing customers’ orders there to be executed. Critics argue that payment for order flow could give broker-dealers a financial incentive to send orders to a particular venue to be filled rather than ensuring that a trade is executed at the best possible price for the customer.

Like high-frequency trading, payment for order flow is not new. However, the lightning speed at which data moves now has raised questions about whether the practice can be abused. Concerns have been raised about whether institutions that pay for high-speed access to orders or data about order flow are able to use that information to front-run those orders (trade in advance of the execution of the orders). Critics charge that an HFT computer that knows a large order has been placed on an exchange could essentially cut in line before it’s filled, immediately buy shares of that security on a venue with outdated lower prices, and then sell those shares milliseconds later at the slightly higher price of the original order.

For example, index mutual funds must periodically buy and sell securities to reflect changes in the composition of a particular index. Turnover in the securities that comprise, say, the S&P 500 can trigger waves of large buy and sell orders from every S&P index fund. An HFT computer programmed to “see” those large orders before they’re executed could potentially trade quickly enough to take advantage of advance knowledge about details of those fund orders, which could in turn affect the price at which the original orders are executed. Critics say an institution with privileged access to information about order flow could potentially even trade on its own behalf based on information about incoming orders from its own clients before actually executing those orders.

Also under investigation is whether some high-frequency traders use information about order flow to try to manipulate prices by flooding the markets with large amounts of false orders that are intended to move a security’s price so the HFT can profit from price differences that may be as little as a penny.

High-frequency trading and the proliferation of so-called “dark pools” as trading venues (see sidebar) in recent years are not necessarily bad; the debate is over whether they have facilitated abuses such as insider trading.

How HFT can affect investors For most individual investors, the impact of high-frequency trading is probably minimal. The bigger question would likely be how any such disadvantages in the execution of trades might affect the trading costs of large mutual funds, which are paid indirectly by a fund’s investors out of the fund’s assets. Another concern is the extent to which high-frequency trading could exacerbate market volatility. The SEC’s report on the May 2010 “flash crash” found that HFTs were responsible for a large percentage of the total volume of trades at exchanges during the price decline, and that high-frequency trading contributed to the extreme volatility.

Is there an upside to all this?

A sizable contingent on Wall Street contends that not all high-frequency trading involves the questionable practices under investigation. Done right, they say, HFT has increased competition and improved market liquidity, and that greater efficiency in matching buyer and seller has resulted in lower trading costs. They argue that HFTs function in much the same way as a website you might use to research the cost and availability of a room at multiple hotels.

According to this analogy, the fee a hotel pays for the listing may ultimately be passed on to the consumer in some way, but it also enables consumers to comparison shop, and the increased competition can help drive down prices.

Supporters say that high-frequency trading firms that serve as market makers can work in much the same way. And dark pools, they say, enable shareholders with a massive stake in a particular security to trade large numbers of shares without a large trade having as much impact on the price of the security as it would if traded on one of the public exchanges.

Your rights as an investor Many broker-dealers generally say that their existing systems are designed to obtain the best possible price across multiple market makers for any given trade. Your account agreement will outline whether you may request that your trades be executed on a particular exchange. However, even if a broker permits customers to specify where trades are executed, they may limit that service to high-volume traders or charge for it, which could eliminate any potential savings on the purchase price.

According to the SEC, brokerage firms are required to disclose annually whether they accept payment for order flow, and they must respond to a client’s written request for information about where their trades were executed over the previous six months, as well as the source and nature of any payment for order flow that was received on those orders.

The bottom line If you’re like many Americans, working toward long-term financial security depends on much more than the amount you’re paying in trading costs. For individual investors who are focused on the long term rather than on day trading, the direct impact of HFT on their trading costs for individual stocks may be relatively small. It certainly pales compared to major challenges such as saving to build a nest egg or selecting an asset allocation strategy. Don’t let headlines distract you from continuing to pursue your financial goals. *Source: Securities Exchange Act Release No. 34-61358, 75FR 3594, 3606 (January 21, 2010).And wages paid in Bitcoin must be reported on a W-2 form and are taxable as income, just as any other wages would be.

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.

June 18, 2014.........................................................................Volume XII Issue 12............................................................................Tricia’s Trader 10

BIG FLAT 4-H Annual Rabies and Vaccination Clinic June 18th, 11:00 am to 2:00 pm Old Fire Hall on Main St in Turner.

6-I

Ready to buy or sell? Contact Bear Paw Montana Realty, Chinook, MT (406) 357-2111 www.bearpawmontanarealty. com.

6-II

For Sale: '08 Winnebago Adventurer. 38'9", 8.1 V8 Allison Trans. Elec O/D. Only 2,086 mi.! Loaded, Like New! Workhorse Chassis, Leveling Jacks-Hyd/Automatic, Radial Tires, Trailer Hitch - 5,000 lb. Draw Bar. AwningPatio, Metal Wrap-Ladder.

5,500 Watt Onan Gas gen., Slideout-Refrig/Dining/ Resteasy, Slideout Lounge/ For Sale: 2008 Denali Yukon TV/Wardrobe/Bed, FireplaceXL. Loaded! DVD, Leather, Elec. Call 406-535-3455. 6-I Nice! Priced to sell. Duane Sparks Chevrolet, Lewistown, MT (406) 535-3455. 6-II

Brought to you by:

June 18, 2014.........................................................................Volume XII Issue 12............................................................................ Tricia’s Trader 11

Sponsor the Rodeo Calendar and be seen by all Rodeo Fan readers!

Contact your ad rep today and reserve your spot before it's gone!

June 18, 2014.........................................................................Volume XII Issue 12............................................................................ Tricia’s Trader 12

Shop & Pawn: Wolf Point's The Swap Shop is a Pawn Broker carrying a great variety of items: kitchen tables, guns, games, hand and power tools, T.V.'s.

Too much to mention it all.

Come check out our selection at 121 Anaconda Street, Wolf Point, MT. 406-653-1410. 6-II

June 18, 2014.........................................................................Volume XII Issue 12............................................................................ Tricia’s Trader 13

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 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.

DEAR DAVE,

I noticed that your Baby Steps list puts saving for retirement before saving for your kid’s college fund. Sending your kids to college would come first on the timeline, so what is your reasoning behind this? ~Jen Dear Jen,

I advise this approach because everyone is going to retire someday, unless, of course, they happen to die before reaching retirement age. Retiring and eating are necessities. College is a luxury. Lots of people succeed in life without going to college, and thousands have worked their way through college. I worked 40 to 60 hours a week in college, and I still graduated in four years.

Having a college fund set aside by your parents is really nice, if they can afford that kind of thing. But you can go to school by getting good grades, applying for scholarships, working your tail off and choosing a school you can afford. I believe in education, but there are lots of ways to get a college degree other than having your parents foot the bill. Besides, the last time I checked there weren’t any good ways to retire that didn’t include saving and preparing for retirement beforehand. I mean, you can always try to live off Social Insecurity, but I don’t consider that a plan.

In short, college funding is not a necessity. That’s why it follows saving for retirement in the Baby Steps. Should you try to save up for your kid’s college education? Sure, if you can. But there are lots of parents out there who won’t be able to pay a dime toward someone’s college education. And that doesn’t make them bad parents! ~Dave DEAR DAVE,

I think I made a big mistake when I bought my car. I’m having a hard time affording the $500 a month payments, because I only make minimum wage at my job and work 35 hours a week. My boyfriend, who was supposed to help me pay for it, has moved out and left me. I owe $20,000 on the car, but I know it’s still worth about $19,000. What can I do?

~Rachel Dear Rachel,

Sell the car! You went car crazy and bought a vehicle that was way out of your league.

Right now, your entire financial world is wrapped up in paying for this thing. And depending on a boyfriend to help make the payments was a big mistake, too. When he left, so did the financial support.

At this point all you need is enough to cover the hole you dug. Go to your local bank or credit union and try to get a very small loan from them—about $3,000. I hate debt, but you really don’t have a lot of options here. Then, if the car will sell for $19,000, get it sold and use $1,000 to cover the difference.

After that, take the remaining money and buy yourself a little beater. I’m talking about basic, ugly transportation. The next step is to pick up a part-time job on the side, and work like crazy for a few months to get that loan paid back as quickly as possible. Don’t ever do this kind of thing again, Rachel! ~Dave

Kirkwood Funeral Home 654-1132

Serving Northern MT from Malta

The next issue wil be distributed Wed., July 2, 2014.

Ad DEADLINE is Wed., June 25th at 9am.

2000 Country Club Road * Turner, MT 59542XII Issue 12............................................................................ Tricia’s Trader 14 JunePUBLISHED 18, 2014.BY: ........................................................................Volume Phone 800-756-1817 Tricia’s Trader SERVES THESE MONTANA TOWNS: Email: adsales@triciastrader.com Town: Prefix(es): Joplin 292 www.TriciasTrader.com Inverness 292 FAX: 888-796-8498 Rudyard 355 “TRICIA’S TRADER” IS

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EASTERN REGION: Jamie Jones is happy to help you if you live in one of these counties: VALLEY PHILLIPS DANIELS ROOSEVELT SHERIDAN RICHLAND Jamie Jones 800-756-1817 x104 406-390-6386 (c) Email: east@triciastrader.com

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Contact one of our to place an advertisement, or contact Kimmel Kreations directly at the address above.

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Wendy is ready to serve you if you live in one of these counties:

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HILL BLAINE

PETROLEUM FERGUS JUDITH BASIN

CASCADE LIBERTY CHOUTEAU

Wendy Warburton 800-756-1817 x102 406-262-3185 (c) Email: central@triciastrader. com

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SOCIAL MEDIA & ONLINE AD OPTIMIZATION: Amy Skryja 800-756-1817 x103 406-450-2588 (c) Email: west@triciastrader.com

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Hingham Gildford Kremlin Fort Benton Loma Big Sandy Havre

397 376 372 621, 622 739 378 262, 265, 407, 808, 945, 969, 390, 394, 395, 398, 399 Chinook 357 Harlem 353 Fort Belknap 353 Turner 379 Zortman 673 Roy 464 Dodson 383 Malta 301, 654, 658, 680 Loring 674 Whitewater 674 Saco 527 Hinsdale 364, 648 Glasgow 228, 230, 263, 367, 831 Nashua 746 Fort Peck 526 Wolf Point 392, 525, 650, 653, 915 Opheim 762 Plentywood 765 Scobey 487, 783 Medicine Lake 789 Froid 766 Culbertson 514, 787, 790 Poplar 768 Brockton 786 Jordan 557, 977 Lewistown 350, 366, 380, 535, 538, 707, 708, 968 Grass Range 428, 928 Hobson 423 Stanford 566 Chester 759 Geraldine 737 Denton 567 Belt 277 Great 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 ALL MONTANA AREA CODES ARE (406)

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“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 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).

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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 the Advocate for your Region today!

June 18, 2014.........................................................................Volume XII Issue 12............................................................................ Tricia’s Trader 15

Fish Heads

A customer at Green’s Gourmet Grocery marvels at the proprietor’s quick wit and intelligence.

“Tell me, Green, what makes you so smart?”

“I wouldn’t share my secret with just anyone,” Green replies, lowering his voice so the other shoppers wouldn’t hear.

“But since you’re a good and faithful customer, I’ll let you in on it. Fish heads. You eat enough of them, you’ll be positively brilliant.”

“You sell them here?” the customer asks.

“Only $4 apiece,” says Green.

The customer buys three. A week later, he’s back in the store complaining that the fish heads were disgusting and he isn’t any smarter.

“You didn’t eat enough, “ says Green. The customer goes home with 20 more fish heads. Two weeks later, he’s back and this time he’s really angry.

“Hey, Green,” he says, “you’re selling me fish heads for $4 a piece when I can buy the whole fish for $2. You’re ripping me off!”

“You see?” says Green. “You’re smarter already.”

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

6-I

For Sale: 2008 Dixie Chopper zero-turn mower, 60” deck, low hours, nice cond. Call Larry at Red's (406) 265-9595. 6-II

The Glass Shop in Malta 118 S. 1st St. W. has vinyl replacement windows. Many styles and custom built to your exact size. Call 406-654-1720 or 654-2784 evenings. 6-I

For Sale: Sealed bid Hopper Bottom bins. Call Milk River Coop, Malta or stop in and pick up a bid sheet.

406-654-2022.

5-I:6-I

Paying CASH: Scrap Gold jewelry, Silver coins, and Sterling flatware.

Havre Coin Shop & More 406390-1761 or 390-1055. 6-II

A self-directed program puts the individual receiving the care in charge, allowing you to arrange and direct your own services and supports. You select, train and manage your caregiver.

We take care of the program paperwork, so you can take care of...you!

Services www.ConsumerDirectMT.com ServicesAvailable AvailableStatewide Statewide • Havre Office: 406-265-2393 • www.ConsumerDirectMT.com

June 18, 2014.........................................................................Volume XII Issue 12............................................................................Tricia’s Trader 16

AUCTION CALENDAR DATE/TIME

AUCTION/AUCTION CO.

LOCATION

Sat., Jun. 21 9:30 am

Annie Feist Auction Glendive, MT R-K Auction, 406-485-2548, r-kauction.com

Sat., Jun. 28 10:00 am

Consignment Auction Sidney, MT R-K Auction, 406-485-2548, r-kauction.com

Sat., Jul. 17 Western Tractor/Grisnich/Rustling Leaves Nursery 9:00am Ritchie Bros. Auction Lethbridge, AB www.r-bauction.com, 800-491-4494

We Have Rough Lumber. Call To See What We Have In Stock.

All Seasons Home Center 406228-8288, or stop by 729 2nd Ave S., Glasgow, MT 6-I

June 18, 2014.........................................................................Volume XII Issue 12............................................................................ Tricia’s Trader 17

Your Reinke dealer on the Hi Line: Gibbs Welding LLC, Patrick Gibbs Owner.

196 S. 10th St. W., Malta MT 59538. Call Shop 406-6542917, cell 406-654-7221. 6-I

Vendors! Reserve your space now for the Blaine County Fair. Spaces are filling fast!

Call 406-262-3185 or email blainecountyfair@gmail.com or visit blainecountyfair.net. 6-I

For Sale: 1998 John Deere 7410 With 740 Loader. Cab. Air. 3pt PTO. 6143 Hours. $75,000. Call Big Equipment (406) 265-9554 bigequip@ bigequipment.com 6-I

June 18, 2014.........................................................................Volume XII Issue 12............................................................................ Tricia’s Trader 18

For Sale: 510 John Deere Round Baler also comes with a parts baler. $1,000 OBO. 6-II For Sale: 1970 Chevy pickup, Stuker invertor rake, bale elevator, all for small square bales. Also steamer trunk, blanket trunk, rose hanging lamp. All original. Antique pitchers and bowls. 406-7685800 or 406-768-7395. 6-II Wanted: Older, used fiddles or other stringed instruments, any cond. (406) 230-0703. 6-II Now Open: 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. 6-I

Need Farm & Ranch Listings: List with an experienced, discreet, ethical land broker. Montana Land & RE Investments, Inc. 406-755-0711. Email: mtinvest@centurytel.net 6-I Wanted: 7" or aluminum irrigation Call 406-456-3222.

Malta Tire Factory: For all your automotive and tractor tire repairs. Malta Tire, Hwy 2 West, Malta. 406-654-2120. 6-I

Blades hair & Nail: Located at 4 S. 1st St. W. in Malta.

Open Mon-Fri 9am-7pm; Sat 10am-4pm. Chelsea Sjostrom larger is new to our Blades crew pipe. and walk-ins are welcome!

6-I Stop in or call 654-5585. 6-I

June 18, 2014.........................................................................Volume XII Issue 12............................................................................ Tricia’s Trader 19

For Sale: Large and small doghouses. Various sizes of small animal houses and pet hutches. Call Jolene at Cow Creek Feeds. 406-357-2626 6-I BIG FLAT 4-H Annual Rabies and Vaccination Clinic, June 18th, 11am - 2pm. Old Fire Hall on Main St in Turner.

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

6-I For Rent: 3 bedroom, 2 bath house, 10 mi. south of Chinook, on Zurich school district bus route. 2 car attached garage, large living room and kitchen, good water, large fenced yard.

Call 406-262-3839 to submit an application or for more info. 5-I Real Estate: Check out this week's ad, pg 3, to see our latest listings. You can also see up to date information at fbrealty.com or stop by our office Fort Benton Realty, 1426 Front Street, Fort Benton, MT (800)406-0946.

6-II

3 Sisters at 101 S. 1st St. E. in Malta has something for everyone. Now selling doTerra oils, candy jars for any occasion, and fresh cut organic soaps.

Come shop the little store on the corner with a big selection!

406-654-2529.

4-I:6-II For Sale: 2004 Dodge Intrepid 4 dr, 2WD, auto, power steering, power brakes, A/C, everything works. Silver in color. 138,200 mi., clean, good condition, no leaks, good rubber. $2,800 obo.

406-761-3371 or 788-6017. 6-II

Oil and Gas Lease: For 2 year lease with option approx.

1000 net acres of royalties west of the ND Bakken Oil field in Eastern Valley County.

Andy 406-228-4692 or 406-230-0781.

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

Call 654-4752 or 654-7100. 6-I

June 18, 2014.........................................................................Volume XII Issue 12............................................................................ Tricia’s Trader 20

For Sale: INDIAN BLANKETS & ARTWORK Sweetgrass ~ Sage ~ Furs Buckskin ~ Saddles USA Old Timer Knives Knife/Scissor Sharpening, Custom Framing, Big Sky Images & Collectibles Havre Holiday Village Mall ~~~~~(406)399-6522~~~~~ 4-II:7-I Looking for Lady & the Ranch? Rest assured, she will return to Tricia’s Trader next issue. Until then visit her blog online at ladyandtheranch.com.

Call WOOD ENTERPRISES TODAY for competitive rates on Auto, Home, Business, Farm, Crop and RV insurance.

210 Rehal Ave., Joplin, 406292-3325 or email us at weinsur@ttc-cmc.net.

6-I Crop is in the Ground, Garden is planted, Cows are out to pasture, time to make plans for the Milk River Gospel Jamboree. Eight Groups from Canada, Missouri, S. Dakota, Montana. June 27, 28, & 29, Malta High School www. m i l k r i v e rg o s p e l j a m b o r e e . org.

6-I RadioShack in Malta is your local Dish Network Authorized Retailer serving Phillips, Blaine and Valley Counties.

RadioShack can provide new hookups, equipment upgrades and general service work.

Call 406-654-3639 for fast and reliable service, open M-F 9am-6pm and Saturday 9am-4pm.

6-I For Sale: Steel framed Metal buildings! All sizes.

Agricultural, Commercial, Carports, Sheds, Barns.

Financing is available, OAC. Visit our website at www. montanasteelcorp.com or call us at 406-697-2486.

Custom designs or choose from standard sizes! 5-I:10-II

June 18, 2014.........................................................................Volume XII Issue 12............................................................................ Tricia’s Trader 21

Property for Sale: Diamond in the rough. Three city lots in prime Main Street location in Glasgow, MT. Consists of Office and 13 storage units.

Has water and electricity.

Priced to sell at $129,500. For Sale: Northwind popCall 406-301-1986. 4-I:6-II up pickup camper fits long Also, 25hp For Sale: Case IH 8440 baler. box $2500.

Mercury boat motor $625. $3,000 obo. Call 406-6736-I 3236 or 673-7341 (cell). 6-II Call 406-650-7697.

For Sale: Handmade Quality Products: indiantimeart.com or nativehandart.com. "Made by American Indians(TM)". 6-I

E G S E LI LDING I IN U B OV Dan: M 379-2320

RELOCATE YOUR BUILDING!

For Sale: Used oilfield pipe, rods, cable & guard rail.

New HDPE pipe. Engineered bridges for pivots, vehicles, walking & ATV. Clips & post caps. Toll free- 866-683-7299 or 406-453-7299 Big Sky Pipe And Design, Great Falls.

Call TODAY and Ask for our free catalog. Visit Us Online http://bigskypipeandsupply. com/html/ 5-I:9-II

Guitars of Montana: Band/ Orch.Rentals/Sales-Educator appr. instrumts. Am. Guild guitars.

Bluegrass/Ukuleles.

BOSS effects. Spec. orders welcome. We ship! #2 5th St. S., Great Falls, 453-4998/ Bing at 1-877-566-2224. www. guitarsofmontana.com 3-II:9-I

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

June 18, 2014.........................................................................Volume XII Issue 12............................................................................Tricia’s Trader 22

For Sale: '78 El Dorado.

Good shape, runs well, $1,000 OBO; '68 Cadillac 4 dr Sedan DeVille, $1,000 OBO. '68 Ford F-150 4 speed 4x4, $995 OBO. '87 Lincoln 6dr. limo, some body damage, 75k mi, $3,500 OBO. Call 406-654-7794. 6-I The Closet: at 174 S. 1st Ave, Malta is a great place to shop for a great deal. We carry new and consignment items; new inventory added daily.

Check out our scarves, jewelry, fashion leggings, Scentsy, and headbands. Tues-Fri 10am5:30pm, Sat. 10am-3pm. 6-I

For Sale: Butcher hogs available year-round. Call 406895-2226 or 895-7019. 2-I:7-II Need a building moved?

Call Dan at 379-2320. 6-I For Sale: RARE KNIVES Large Selection RUANA CASE XX ~ SCHRADE Hard - to - find USA-made Old Timer & Uncle Henry Knife/Scissor Sharpening Big Sky Images & Collectibles Havre Holiday Village Mall ~~~~~(406)399-6522~~~~~

4-II:7-I

June 18, 2014.........................................................................Volume XII Issue 12............................................................................ Tricia’s Trader 23

Tricia’s Trader . . . The Best-Read Trader from the Mountains to the Plains!

June 18, 2014

Equipment from:

Unreserved Public Auction

Lethbridge, AB

Western Tractor Co Inc. Ray Grisnich - Complete Dispersal Rustling Leaves Nursery

July 17, 2014 | 9 am

1 OF 10— JOHN DEERE 9760STS

1 OF 4— JOHN DEERE 9870STS

1 OF 4—2010 CASE IH 7120

2009 JOHN DEERE 9530

2003 CASE IH MXM175

2008 CASE IH 335 MAGNUM

BRANDT QF1000 80 FT

FLEXICOIL SYSTEM 95 40 FT

2007 STERLING WITH ROTOMIX 490-14

1998 INTERNATIONAL 9200

Lethbridge, AB July 17 | 9am South of Lethbridge on Hwy 4 & 508.

Yard on West side.

Phone 403.327.4933

Call Today to Consign!

2005 JOHN DEERE 1820 38 FT w/ 1910

rbauction.com | 800.491.4494

1 OF 3— 2010 CASE IH 2152 35 FT