November 5, 2014

November 5, 2014 Volume XII Issue 21

PRSRT STD

Postal Customer

$10.00 s!

Classified

FREE-E! TAKE ON

I N SID E:  Senior Menus, “Laugh Lines”, “Hooves & Horns”, and much more! Read on!

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

Over 8,500 copies distributed all across NorthCentral Montana!

Watch for it--Next Issue is the big Black Friday issue! Get all the info you need for your Holiday Activities!

November 5, 2014..................................................................Volume XII Issue 21.............................................................................. Tricia’s Trader 2

For Sale: Two steel buildings, 40x50 and 60x80. Leave name and phone number.

(406)222-5535.

10-II:4-II

For Rent: Independent Living for adults 62+ or disabled. HUD subsity 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

November 5, 2014..................................................................Volume XII Issue 21.............................................................................. Tricia’s Trader 3

CONTENTS:

Classifieds, Classifieds!

Advertising Info............... 12 Auction Calendar............ 14 Believe!............................. 7 Bill’s Food Corner............. 9 Comic............................. 13 Conservative Cow Dr...... 15 Dave Says...................... 10 Laugh Lines...................... 6 Money Talks...................... 9 Realty Section.................. 8 Rodeo Roundup..............11 Subscriptions.................. 14 “Things to Know”.............. 4

For Sale: 2007 Chev. Cobalt LS, 94,168 mi, Custom Wheels, Cloth Int. $5,000. Call Scott or Heather at American Garage, LLC (406) 357-4201.

11-I

For Sale: Roping Steers.

15 head purebred Corriente roping calves will be ready to team rope by spring. $800 each. Call 406-654-7201. 10-II

See pg 12 for deadlines, rates & to place an ad!

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

Ask about FREE Classifieds!

For Sale: 300 tons of straight alfalfa hay in 1500 lb. 3x4 bales. Testing 177 RFV. $155/ ton. Call 406-670-6551. 11-I

For Sale: 600 Tons of 1st Cutting. Very clean, sprayed alfalfa, in 3x4x8 square bales.

Trucking avail. Thompson Cattle Co. (406) 670-6551.

8-II:11-I

BUY-SELL-TRADE Vintage Collectibles: Kokomo Joe's Trading Post, Chester Montana.

JUST IN: The Tao of Teas. Stop by for a tea tasting!!! 406-759-6472. 11-I

FBR

Fort Benton Realty

Office/Business Building-Fort Benton 1344 total ft, spacious entry way, 5 offices, drive-thru window, security system, paved parking, landscaped and separate garage/ storage building, all on one-third acre, good visibly access, numerous business or office possibilities! 1510 St Charles Street, Fort Benton$282,000Call Pade:899-9378 Q’sMotel and Home- Big Sandy Eight room motel with laundry/utility room. Each room has a queen and double bed ,TV, WIFI ,Dish-T.V, and re-shingled roof. Home built in 1982, 5 bedroom , 3 bathroom, finished basement, outside deck, large double garage and a fenced in patio. Entire property is landscaped and has easy access and onto U.S. Hwy 87. Steady occupancy- great during the hunting season! Nice income and ROI. Call Shane Ophus(406)3782675 $325,000 www.fbrealty.com 1426 Front Street, Fort Benton, MT (800)406-0946

November 5, 2014..................................................................Volume XII Issue 21..............................................................................Tricia’s Trader 4

THINGS TO KNOW: Nov. 6, Thurs.: FLU SHOTS. Turner School Library, 10am-3pm.

Nov. 9, Sun.: BETHEL LUTHERAN CHURCH LUTEFISK & MEATBALL DINNER. Joplin, MT. 12-3pm, All you can eat! Lutefisk, Meatballs, Lefse, Potatoes, Salad Bar, Scandinavian Cookies. Lefse for Sale! Come and enjoy the Fellowship!

For Sale: 2003 Bobcat 753 G skidsteer. 1100 hrs, new tires, diesel engine, aux. hyds, deluxe opeartor cab. Nice clean machine!

406-228-9479.

11-I:1-I

Nov. 15, Sat.: HOLIDAY CRAFT FAIR. Old Gym, Turner. For more info call 379-2215.

Nov. 15, Sat.: HOGELAND ALC BAKE SALE. Old Gym, Turner. Lefse, Pies and more.

Nov. 22, Sat.: HOLIDAYLAND GIFT SHOW. Holiday Village Mall, Havre.

10-6pm. Bring the kids for pics with Santa.

Dec. 6-7, Sat.-Sun: WINTERFEST CRAFT SHOW. Holiday Village Mall, Havre.

Thurs. nights.: COMMUNITY FLU SHOT CLINIC, 8am-5pm, Methodist Church, Chester, Questions? Call 759-5194 .

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

For Sale: 450 Tons of 30% alfalfa mix CRP hay in 3x4x8 squares. Trucking avail. Thompson Cattle Co. (406) 670-6551. 8-II:11-I

Thse are Price

“FAll"InG

2012 CHEVY SILVERADO 2500 HD

For Sale: 150 ton hay barley for sale, Hogeland. $110/ ton. Net wrapped round bales, 406-390-3177.

10-II For Sale: Horses: Paints & Quarter horses, all ages, large & beautiful colors, several palomino paints, palomino stud, many on website: 4cspainthorses.com. South Wolf Point. 406-525-3455 7-I:12-II

$

00

46,9

2013 GMC SIERRA SLE 3500

$

14,478 Miles, Z71, 6.6 V8 Diesel, Grille Guard, Red exterior, black leather interior, heated seats, power seats, power windows and door locks, CD Player, tow/haul and more.

$

00

39,4

On The s Vehicles e !

00

36,0

16,954 Miles, Blue exterior, long box, cloth seats, 4WD, 6.0L Gas, power windows and door locks, cruise control, On-Star, CD Player and Flex Fuel.

2014 BUICK ENCLAVE AWD V6 3.6L AWD, Black Interior, Leather Heated Seats, PS, PW, PL, Cruise, Back-UP Camera, Sunroof, CD/DVD Player, 3rd Row Seating, Navigation, On-Star Equipped, Captain Seats, XM Radio and more! 10,350 Miles, Loaded!

2008 CHEVROLET SILVERADO K1500 2005 CHEVROLET SILVERADO $

00

25,0

$

LTZ Z71, 5.3L V8, 4WD, Maroon Exterior, Black Leather Heated Seats, PS, PW, PL, Cruise, CD Player, Tow/Haul and more!

00

25,0

Looking for a reliable feed pickup? This pickup is ready to go for the winter season! It has a hydra-bed, Diesel, dual rear wheels, Single Cab, automatic, 1 ton with only 62,718 miles!

406.357.4201

LLC

“Your Dealer Alternative” 40440 US Highway 2 East - Chinook, Montana

www. americangarage.co

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

For Sale: Rival Electric Home food slicer, Model 1030 V/2, like new. Used two times. Instruction manual with it. Great for roasts, cheese, wild game. $50.00.

Call 406-357-3572.

11-I

November 5, 2014..................................................................Volume XII Issue 21

LISTED BELOW ARE THE FEES FOR THE USE OF THE SCALE/YARDS. FEES: $25.00 FACILITY FEE – PER OPERATOR

+PLUS+ $1.50 PER HEAD FOR FBLMC MEMBERS $2.00 FOR NON FBLMC MEMBERS $25.00 per bale of hay FBLMC requires an advanced notice of at least three days of the shipping date Stock inspectors should be contacted at least 5 business days in advance of shipping date.

FOR MORE INFORMATION, QUESTIONS OR CONCERNS PLEASE CONTACT BUD WALSH @ 673-3164, JOHN HAWLEY @ 673-3219 OR TOBY WERK @ 673-3902, WILLIE BRADLEY @ 673-3230 OR JOHN BENSON @ 673-3885.

If you would like to become a member of the FBLMC an annual fee of $50 is required.

For more information regarding the advantages of becoming a member please contact any FBMLC Board Member, listed above.

All operators interested in utilizing the yards must be in good standing with the Co-op.

THANK YOU The above information is subject to change under the discretion of the FBLMC & the board of directors

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~~~~~ 11-I:1-I

November 5, 2014..................................................................Volume XII Issue 21.............................................................................. Tricia’s Trader 6

Gift packs will be arriving soon at JR's Party Store just in time for the holiday season. We are located at 98 Highway 2 East (across from John Deere) in Glasgow or call 406-228-4622. 11-I The Closet at 174 S. 1st Ave Malta: A great place to shop for a great deal. We carry new and consignment items.

New inventory added daily!

Open Tues-Fri 10am-5:30pm & Sat. 10am-3pm. 11-I:1-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~~~~~ Help Wanted: Looking for drivers and insiders.

Apply at Domino’s in Havre.

Apply in person only. 501 First St., Havre, MT. 11-I For Sale: Used oilfield pipe, rods, cable & guard rail.

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

Call Today and Ask for our free catalog. Visit Us Online http://bigskypipeandsupply. com/html/ 9-II:12-I For Sale: Alfalfa-Grass hay, round bales 15001600#.

306-267-5711 or 306-267-4548.

11-I:12-I

November 5, 2014..................................................................Volume XII Issue 21.............................................................................. Tricia’s Trader 7

Money Talks

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

MEDICARE OPEN ENROLLMENT PERIOD BEGINS OCTOBER 15

What is the Medicare open enrollment period?

The Medicare open enrollment period is the time during which people with Medicare can make new choices and pick plans that work best for them. Each year, Medicare plans typically change what they cost and cover. In addition, your health-care needs may have changed over the past year. The open enrollment period is your opportunity to switch Medicare health and prescription drug plans to better suit your needs.

When does the open enrollment period start?

The Medicare open enrollment period begins on October 15 and runs through December 7. Any changes made during open enrollment are effective as of January 1, 2015.

During the open enrollment period, you can: • • • • • • • •

For Sale: Industrial Cummins diesel engine, type 6BT. Includes injectors and turbo. $5,000.

Call 406-746-3326.

11-I

Join a Medicare Prescription Drug (Part D) Plan Switch from one Part D plan to another Part D plan Drop your Part D coverage altogether Switch from Original Medicare to a Medicare Advantage Plan Switch from a Medicare Advantage Plan to Original Medicare Change from one Medicare Advantage Plan to a different Medicare Advantage Plan Change from a Medicare Advantage Plan that offers prescription drug coverage to a Medicare Advantage Plan that doesn’t offer prescription drug coverage Switch from a Medicare Advantage Plan that doesn’t offer prescription drug coverage to a Medicare Advantage Plan that does offer prescription drug coverage

What should you do?

Now is a good time to review your current Medicare plan.

As part of the evaluation, you may want to consider several

factors. For instance, are you satisfied with the coverage and level of care you’re receiving with your current plan? Are your premium costs or out-of-pocket expenses too high? Has your health changed, or do you anticipate needing medical care or treatment?

Open enrollment period is the time to determine whether your current plan will cover your treatment and what your potential out-of-pocket costs may be.. If your current plan doesn’t meet your health-care needs or fit within your budget, you can switch to a plan that may work better for you.

What’s new in 2015?

Most Part D plans have a temporary limit on what a particular plan will cover for prescription drugs. In 2015, this gap in coverage (also called the “donut hole”) begins after you and your drug plan have spent $2,960 on covered drugs. It ends after you have spent $4,700 out-of-pocket, after which catastrophic coverage begins. However, part of the Affordable Care Act gradually closes this gap by reducing your out-ofpocket costs for prescriptions purchased in the coverage gap. In 2015, you’ll pay 45% of the cost for brand-name drugs in the coverage gap and 65% of the cost for generic drugs in the coverage gap. Each succeeding year, out-ofpocket prescription drug costs in the coverage gap continue to decrease until 2020, when you’ll pay 25% for covered brandname and generic drugs in the gap.

Where can you get more information?

Determining what coverage you have now and comparing it to other Medicare plans can be confusing and complicated.

Pay attention to notices you receive from Medicare and from your plan, and take advantage of help available by calling 1-800-MEDICARE or by visiting the Medicare website, www. medicare.gov. Your financial professional can also help you find the information you need to make decisions about Medicare.

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.

November 5, 2014..................................................................Volume XII Issue 21.............................................................................. Tricia’s Trader 8

Rifle Sale! .270's, .30-06's, .308's, 7mm's. 20% OFF! Many Handguns. Leon's Buy & Sell, 720 First St. W., Havre, MT (406) 265-3342.

11-I

Kirkwood Funeral Home Grabofsky Aviation: Aircraft maintenance, annual inspections, aircraft rebuilds.

Call (406) 697-8470. 11-I:1-I

For Sale: 2 bedroom, 1 level home, $41,000. 1328 2nd St, Havre. Call Kim Cripps (406) 265-0905. 10-II

654-1132

Serving Northern MT from Malta

November 5, 2014..................................................................Volume XII Issue 21.............................................................................. Tricia’s Trader 9

Patty's Helping Hands: Cleaning -- Babysitting -- Elder Care. Will travel. Hill, Blaine, and Chouteau Counties.

Call (406)265-4336.

10-II

For Sale: 1987 27 ft. Jamboree Motorhome. Runs good, good condition. Asking $5,800 obo. Onan 4.0 Kw generator.

Call 406-262-5067.

11-I

Hickel Water Well Drilling: Free Estimates, Wells Drilled & Cleaned, Pump Sales & Service. Call 406-383-4363 (h) or 390-6254 (c). 10-II

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

Winter is Coming! Winter is coming! Thinking of that boat you'll be picking up come Spring may help fend off the winter time blues. Buy now-Pick it up in the spring. Call about rebates and sale prices on "in-stock" boats. Mon-Dak Marine, Inc,. Hwy 2 Glasgow MT. 406-228-2900. 11-I:1-I

November 5, 2014..................................................................Volume XII Issue 21

The next issue wil be distributed Wed., Nov. 19, 2014.

Ad DEADLINE is Wed., Nov. 12th at 9am.

2000 Country Club Road * Turner, MT 59542XII Issue 21............................................................................ Tricia’s Trader 12 November 5, 2014..................................................................Volume PUBLISHED BY: 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

LLC

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

Advertisers’ Advocates

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

CENTRAL HI-LINE REGION:

SOUTHERN REGION:

GENERAL SALESWESTERN REGION:

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

Sasha will be happy to serve you if you live in the following counties:

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

HILL BLAINE

PETROLEUM FERGUS JUDITH BASIN CASCADE

LIBERTY CHOUTEAU

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

Sasha Keller 800-756-1817 x106 406-390-5655(c) Email: south@triciastrader. com

Laurie Harvey 800-756-1817 x105 406-672-9145 (c) Email: adsales@triciastrader. com

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

Owner, Tricia Kimmel 800-756-1817 x101

AD PLACEMENT FORM - SUBSCRIPTION REQUEST CIRCLE ONE: For Sale Wanted Help Wanted Notice Other (specify)

Ad Copy: __________________________________ __________________________________________ __________________________________________ __________________________________________ __________________________________________ __________________________________________ __________________________________________ ________________________________________________________ Phone(s) to List: __________________________________________ ________________________________________________________ BILLING INFO:

Classified/2 issues 8 lines $10 Class. for 6 mos. 8 lines $50 *Extra line x ____ $1/line *Extra line 6 mos. x ___ $5/line Bold per 2 issues $5 Bold 6 mos. $25 Box per 2 issues $5 Box 6 mos. $25

Character Counts: $10 ads may be as long as 8 lines (approx. 205 characters counting spaces); an ad may be up to NAME_____________________________________________________________ a maximum of 13 lines (approx. 350 ADDRESS__________________________________________________________ characters counting spaces) for $1 ___________________________________________________________________ extra per line. If bold/box are added, the number of characters decreases ___________________________________________________________ slightly. ___________________________________________________________ EMAIL_____________________________________________________

PAYMENT METHOD ☐ Cash - Check - Money Order ☐ Bill my account. (All new accounts please include pmt.) ☐ Bill my Credit/Debit Card below: ☐ VISA ☐ MasterCard ☐ Discover Name as it appears on Card Statement: _________________________________________________ Acct. # ___________________________________________ Exp. Date _____/_____ Acct. Billing ZIP ___________ Signature: ________________________________________ *I hereby authorize Kimmel Kreations, LLC to charge my account in the amount indicated for advertising and/or subscription costs incurred by myself or my organization.

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

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)

PUBLISHER’S COMMENTS:

The publisher does not assume any responsibility for the contents of any advertising herein, and all representations or warranties made in such advertising are those of the advertisers and not the publisher.

Every effort is made by Kimmel Kreations, LLC to never knowingly accept advertising that is deceptive or misleading. We reserve the right to edit, refuse, reject or cancel any advertisement at any time.

The publisher is not liable to any advertiser herein for any misprints in advertising not the fault of the publisher, and in such an event, the limit of the publisher’s liability shall be the amount of the publisher’s charge for such advertising.

All advertising for the sale, rental, financing, insurance and appraisal of residential real estate are subject to the Federal Fair Housing Act, which makes it illegal to advertise any preference, limitation, or discrimination based on race, color, religion, sex, handicap, family status, or national origin, or an intention to make any such preference, limitation or discrimination. Kimmel Kreations, LLC will not knowingly accept any advertising which is in violation of this law.

All advertising layouts and designs and portions of the same that are produced by Kimmel Kreations, LLC are the sole property of Kimmel Kreations, LLC and may not be reproduced in any form unless written authorization is obtained from the publisher.

“Tricia’s Trader” is published bi-monthly by Kimmel Kreations, LLC, 2000 Country Club Road, Turner, MT 59542. Copies of “Tricia’s Trader” are distributed free to the reader in public locations, and by subscription service for a minimal charge to those requesting mailing service. All material copyright 2003-2015.

NOTICE: The opinions and ideas expressed in articles and advertisements in ‘Tricia’s Trader’ are those of the author or advertiser and do not necessarily reflect the opinion of the publisher, Kimmel Kreations, LLC. Material in articles or advertisements should be considered general reading and should not be construed as professional advice. All information should be carefully researched by the reader, and the reader assumes all responsibilty and risks associated with any action taken based upon information in an advertisement or article.

ADVERTISING RATES:

The cost for a classified advertisement, up to 8 lines is $10 per 2 issues, and $1 per line over 8 lines for a MAXIMUM ad length of 13 lines. Add $5 per 2 issues for a box outline, and/or $5 per 2 issues for bold text other than the heading. The following specials apply for multiple classified ads: Place 3 classifieds or more in the same issue and get a 15% discount. Or run the same classified ad in every issue for a year for $100 (includes 4 issues free), or for six months for $50 (includes 2 issues free).

Pictures/graphics may only be included in display ads.

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!

November 5, 2014..................................................................Volume XII Issue 21............................................................................ 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,

How do you sell a vehicle with a lien amount that’s higher than the actual value of the car?

~Miranda Dear Miranda,

First, you have to find a way to cover the difference between the amount of the lien and what you can get for the car. Let’s look at an example.

If the car is worth $15,000, and you owe $18,000, that would leave you $3,000 in the hole. How do you get out of that car? The bank holds the title, and until you give them the payoff amount of $18,000, you’re not getting the title. The easiest and simplest way would be if you had $3,000 on hand to make up the difference. But if someone comes along and buys the car from you for $15,000, you’ve got to be able to cover the remaining $3,000, right?

Barring the best-case scenario where you actually have the money, you could go to a local bank or credit union and borrow the remaining $3,000. I hate debt, but being $3,000 in the hole is a lot better than $18,000 in the hole. Then, you could turn around and pay back the $3,000 quickly.

After that, you’d give the total amount owed to the bank. They would give you the title, and you sign it over to the new owner. That’s how it works! ~Dave For Sale: Used Marvin windows.

Double pane, wood frame. Various sizes.

Call (406) 355-4479. 10-II

Winter Morning

A wife texts her husband on a cold winter’s morning: “Windows frozen.”

Her husband texts back: “Pour some lukewarm water over it.”

The wife texts back 5 minutes later: “Computer completely messed up now.”

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, $2,500 OBO. '60 Farm Jeep, all there, needs everything, $900 OBO Call 406-654-7794. 11-I

For Sale: International Model M tractor, with D9 front axle, F10 Loader, 12 ft. hay sweep, grapple fork, square bale fork; 4-horse pony harness with collars and spreaders; 1 set studded parade harness.

Also, a D6 Cat. Call in the a.m. 406-738-4404. 10-II

November 5, 2014..................................................................Volume XII Issue 21............................................................................ Tricia’s Trader 14

Guitars of Montana: Band & Orchestra Rentals/Sales - American Guild, Gretsch, Jackson guitars. Bluegrass.

Ukuleles. BOSS effects. Special orders welcome. We ship! #2 5th St. S., downtown Great Falls, (406) 453-4998; or call Bing at (406) 566-2223. www. guitarsofmontana.com. 10-I:3-I For Sale: 86" Mallard Motorhome. Sleeps 6, runs great, everything works, gas/ elect., fridge, Roof air/heater, built-in generator and propane tank, holding tank. Low mileage, 350 Chev engine,$2,500 OBO. Call for more info, 406-390-0519, lv msg. 11-I ATTENTION Ruger Collectors! Super Blackhawk 44 mag. Old model, tuned action and trigger. Dark walnut custom grips. $700 OBO. 406535-4833 or 366-0976. 11-I Prewett Interiors ~Your Home Store~"We sell Awesome stuff!".

Decor & Gifts, too. (406)2289844, 41prewett.int@ nemont.net41, First St. N., Glasgow, MT 59230. Hours: M-F 8:30-5:30.

11-I:1-I

For Sale: 3 dry female goats.

Various ages but all over 2 years old. Various breeds. Get along well with other farmtype animals and LOVE to hang out with horses. Good weed eaters and keep fence rows trimmed! $20 each or $55 for all. Please call or text 406672-9145 and leave a message if needed! Gildford area. 11-I

November 5, 2014..................................................................Volume XII Issue 21............................................................................ Tricia’s Trader 15

For Sale: 1985 Ford F-150.

300-6 engine. 4-spd, 4x4, extended cab, straight body, tires 50%, 46,800 mi., runs and starts good. $3,500.

Call (406) 355-4479. 10-II

For Sale: 1984 Cascade overhead camper. 8.5' slidein w/ jacks, self-contained. $595.00 Call 406-3763223, evenings.

10-II

For Sale: Homesite with 140 Acres. Flood irrigated hay ground near Harlem, MT. Large 4 bdrm, 3 bath MH with half basement & detached shop/garage on the edge of town. $360,000. Call Ken Nelson @ 406-439-0595. 10-II

Send the perfect gift: Made in Montana Gift Baskets from Prairie Unique, Terry, MT 59349.

Ph 406-6355598 Open Since 1995.

Mon-Sat 8:30- 5:30. www. prairieunique-mt.com 11-I:1-I

Chinook’s 29th Annual

Parade of Lights, Christmas Stroll & Festival of Trees!

Friday, November 28th, 2014 Anyone interested in becoming a vendor, contact Bonnie Weber at 357-2776 or visit www.ChinookMontana.com to sign up!

BE SURE TO ENTER YOUR TREE IN THE FESTIVAL OF TREES!

Find out more online!

The 2014 Parade of Lights and Christmas Stroll is sponsored by the Chinook Area Chamber of Commerce.

Pawn/Swap: The Swap Shop, 121 Anaconda St., Wolf Point, Mt. A Pawn Broker with a great variety of items: kitchen tables, guns, games, hand and power tools, T.V.'s and more.

Stop in and check out our selection. 406-653-1410. 10-II

Paying CASH: For scrap Gold jewelry, Silver coins, and Sterling flatware. Havre Coin Shop & More 406390-1761 or 390-1055. 10-II

November 5, 2014..................................................................Volume XII Issue 21............................................................................Tricia’s Trader 16

The Glass Shop in Malta has Multi-Fuel Stoves for sale. Burn wheat, barley, wood pellets, shelled corn and other biomass fuels. Call 406-654-1720 or 406654-2784 evenings. 11-I:1-I

For Sale: 2004 Lance, 9.6 ft camper w/ slide out, loaded, luxury. Also, 1999 Chev. 1T, 4dr, 454, setup for camper, loaded.

Call 406-3574233, Chinook..

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November 5, 2014..................................................................Volume XII Issue 21

For Sale: 2,000 Tons of 3x4x8 square alfalfa mix hay. New crop, fresh hay, NOT CRP. Trucking avail.

Thompson Cattle Co. (406) 670-6551. 8-II:11-I

November 5, 2014..................................................................Volume XII Issue 21............................................................................ Tricia’s Trader 18

Come to Western Styles Salon in Malta for hair, nails and tanning. We carry Iso, Matrix, Hempz, Paul Mitchell, Kenra, tea tree, Crew, Joico, and China Glaze products. 406-654-2072. 11-I Malta area: Many things are happening in Malta over the Holiday Season! Stores will be open on Sundays 11am-3pm starting Nov.28th 'til Christmas.

Many late night openings for Christmas shopping. Watch the Malta Chamber ad for complete schedule. 11-I:1-I

For Sale: 36.83+/- acre surveyed parcel with year round county road access located just north of U.S. Hwy 2 past the Saco Dehy. This is a great location for a home site, grazing pasture or commercial operation. Reduced! $70,000 (200AM) 406-654-2273 MissouriRiverRealty.com 11-I Feeling Stressed? Want to get Energized for the Holidays?

Try Foot Zoning! Call Ashley at The Healing Path to learn more... 406-390-0163. 11-I:1-I For Sale: 28 Replacement heifer calves, Black Angus genetics. $1,600 ea.

Call 406-942-0377.

11-I Durable, long lasting bale beds, flatbeds, bale handlers, carry-alls. Call Smith's Repair at 954-2564, your local Krogmann dealer, located in Roy and Malta. Manufacturing the best in quality since 1989. 11-I:1-I

November 5, 2014..................................................................Volume XII Issue 21............................................................................ Tricia’s Trader 19

November 5, 2014..................................................................Volume XII Issue 21............................................................................ Tricia’s Trader 20

***Senior Center Menus*** November 26 Fried Chicken, Mashed Potatoes &

Gravy, Buns, Fruit Jello Salad November 27 NO MEAL-- HAPPY Across from Albertsons THANKSGIVING Served Monday - Saturday at 12 noon November 28 Sausage with Biscuits & Gravy, November 1 Roast Beef, Mashed Potatoes &

Tossed Salad, Applesauce

Gravy, Buttered Carrots, November 29 Hamburgers, Macaroni Salad, Baked Beans, Buttered Carrots November 3 Cheesy Cornbread Casserole, Green Beans November 4 Tomato Soup & Grilled Cheese RUDYARD-GILDFORD AREA Sandwich *Rudyard Senior Center November 5 Tater Tot Hotdish, Coleslaw, Buttered Served Monday thru Friday at 11:30am Corn *Gildford Community Church November 6 Egg Bake, Muffins, Fruit Salad Served Monday/Wednesday/Friday November 7 Fish Fillets, Mac & Cheese, Salad November 8 Roast Turkey Roll, Escalloped Corn, November 3 Spaghetti, Garlic Bread, Green

Sweet Potatoes Beans November 4 Pork & Stuffing, Peas November 10 Turkey Noodle Soup, Egg Salad November 5 Meatloaf, Mashed Potatoes, Corn

Sandwiches, Salad November 6 Baked Chicken, Baked Potato, November 11 NO MEAL--VETERAN’S DAY-- Green Beans

THANK YOU VETS! November 7 Turkey Broccoli Casserole, Salad November 12 Soup and Salad Bar November 13 BBQ Pork on Bun, Spanish Rice, November 10 Cream Salmon on a biscuit, Green

Vegetable Salad Beans November 14 French Toast, Sausage, Fruit Salad November 11 Burgers November 15 Meatballs & Gravy over Noodles, November 12 Hot Turkey Sandwich, Lima Beans

Buns, Green Beans November 13 Pancakes, Sausage November 14 Tomato Soup, Grilled Ham & SUN., November 16 COMMUNITY MEAL: Cheese

Baked Ham, Baked Potatoes, Veggie

Casserole, Layered Pudding November 17 Salisbury Steak, mashed potatoes, Peas November 17 Chicken Alfredo over Rice, Buns, November 18 Broccoli Soup, Chicken Salad

Quick Jello Salad Sandwich November 18 Ham Chowder, Crackers, Salad November 19 Pork, Au Gratin Potato, Green November 19 Turkey, Dressing, Mashed Potatoes Beans

& Gravy, Candied Sweet Potatoes November 20 Turkey Strips, Fries, Salad November 20 Turkey Supreme, Green Beans, November 21 Salmon patty, Baked Potato

Mandarin Salad November 21 Salmon Patties, French Fries, November 24 Salad Bar

Buns/Bread,Salad November 25 Chicken Stir Fry November 22 Meat Loaf, Baked Potato, Broccoli November 26 Tacos Blend November 27 CLOSED-- HAPPY THANKSGIVING November 24 Brat Sausage & Kraut on bun, November 28 Sloppy Joes, Tots, Salad

Spaghetti Salad,Fruit **All menus subject to change without prior notice. Published once/mo.

November 25 Veg. Beef Soup, Cook’s Choice Want your town’s Senior Meals to be posted? Email them to

Sandwich, Salad Amy at west@triciastrader.com.

LITTLE ROCKIES RETIREMENT CENTER (HARLEM)

Tia Love, Cosmetologist @ Polish To Perfection, 139 S.2nd. St. E., Malta. One stop for Hair, Eyelash extensions, fills, tinting, perming, eyebrow tinting and waxing services.

Call 654-2799 or 3901216 or schedule at www.

SCHEDULICITY.com. 11-I:1-I

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

Antiques for Sale: Virgelle Merc Antiques presents a "Real Country Christmas" at a "Real Country Store"! Sat & Sun, Dec 6&7. 9am-5pm, Antiques and collectibles. Phone 1-800-426-2926 or 406-3783110. www.VirgelleMontana. com. Celebrate the Season at Virgelle, Montana! 11-I R& G Quality Feeds: Manufacturer, Starter, growth, creep, bull, heifer, fattening, wintering rations. Chelated, 3 sizes pellets, steamroll and dryroll. Also avail., soy bean oil to add extra energy to rations, use our grain or yours.

Protein tubs in 22% or 28% (all-natural, no animal byproducts). Amberwave hopper bins dealer. 406-654-1530. Loc at 515 S 1st. E Malta. 11-I

Now Buying All Kinds of Raw Fur. Skinned or unskinned.

Coyotes--Red Fox--Badgers-Raccoons--Muskrats--Bobcats.

Thunder Mountain Fur Co., Larry DiLulo. 12610 Paradise Valley Rd., Chinook, MT (406) 357-2894.

11-I:1-I For Sale: Two steel buildings, 40x50 and 60x80. Leave Pizzas, sandwiches, name and phone number. appetizers, and refreshments!

(406)222-5535.

11-I Stop by Stretch's in Malta to enjoy the atmosphere and Wanted: Good condition New arcade. Our banquet room is Holland Hay Inverter, Model available for any occasion. 166 or similar. Wanted for parts: 140 S. 1st Street E. in Malta Case International 5000 Swather or call 406-654-1229. 11-I:1-I w/ double auger header. Leave msg at 406-654-5253. 10-I:3-II

Come into All Seasons Home Center @729 2nd Ave S., Glasgow, with your measurements for your additions, pole barns, and your garage packages and see how we can accommodate you.

Call 406-228-8288. 11-I:1-I

PLLC

November 5, 2014..................................................................Volume XII Issue 21............................................................................Tricia’s Trader 22

It's All Gotta Go: Too Much Stuff at the Trash & Treasure Shop in Loma. Hwy 87 & 4th Ave. Tables and shelves are full of $1 or less items. Many half priced items. Stop and shop.

Afternoons only 1pm-5pm or by appt. 406-739-4361. 10-I:11-II

Help Wanted: Full-Time positions avail.: Meat Cutter, Meat Wrapper, Produce Clerk, Grocery Supervisor, graveyard shift Stockers. P-T positions: Cashiers, Courtesy Clerks, Get application at Gary & Leo's IGA, Havre, or the Havre Job Service. 11-I

DND Quacker Store: 227 S. 2nd Ave. E., Malta. Taking consignments and donations.

Yard sale stuff left over? Call us; we can help! All fall decor, Avon decanters, figurines, picture frames, kitchen glassware and lamps are all 50% off. Call 6544752 or 654-7100. 11-I:1-I

Bades hair, nail and day spa welcomes you for all your pampering needs. Fall special: $5 off of any pedicure. 24hr. tanning available. Come see us at 4 S. 1st St. W. in Malta or call 654-5585.

11-I:1-I

For Sale: Highline Bale Processor with extra chopper.

Demo model. Great price! Call or email Larry at Rainbow Irrigation for more info 406390-1803 or rainbowsales@ mtintouch.net.

11-I

November 5, 2014..................................................................Volume XII Issue 21

Complete Dispersal For:

Unreserved Public Auction

Lethbridge, AB

Tiegen Farms LTD Edwin Bronsch Custom Grain Cleaning & Digital Color Sorting Equipment From: Linden Agri-Centre Ltd Western Tractor

November 20, 2014 | 9 am

2— 2012 NEW HOLLAND CR9070

2010 CASE IH 1203 30 Ft

2005 CASE IH SPX 4410 100 Ft

2008 BOURGAULT 5710 47 Ft w/ 6550

2008 JOHN DEERE 1830 61 Ft w/ 1910

2013 MASSEY FERGUSON 8690

2013 NEW HOLLAND P2050 58 Ft w/ P1060

2009 NEW HOLLAND P2060 60 Ft w/ SC430

2— 2013 MERIDIAN GM5000

Lethbridge, AB November 20 | 9am South of Lethbridge on Hwy 4 & 508.

Yard on West side.

Phone 403.327.4933 2012 SATAKE ALPHA SCAN II PORTABLE DIGITALCOLOR SORTING SYSTEM

rbauction.com | 800.491.4494

Call Today to Consign!

1990 FORD L9000

1998 KENWORTH W900

November 5, 2014..................................................................Volume XII Issue 21............................................................................ Tricia’s Trader 24

For Sale: 500 Tons of 50% Brome Grass & 50% Timothy Grass mix in round bales.

Very beautiful hay! Trucking avail. Thompson Cattle Co. (406) 670-6551.

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Tractor Needed?? Great financing available! Rates are excellent right now for new tractors at Big Equipment!

Call 406-265-9554. 10-II

Hey! Looking for a good building mover??

Call Dale Freitag 654-1123 or Dan Liese 379-2320.

Prompt, experienced, competitive pricing.

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