May 1, 2019 Volume XVII Issue 9
FREE-NE! TAKE O
Postal Customer
PRSRT STD
Sweetgrass Society Hosted 43rd Annual Powwow
800-756-1817 w w w. Tr i c i a s Tr a d e r. c o m 6,000 copies in print distributed across the NorthCentral Montana Hi-Line E m a i l n e w s t o i n f o @ t r i c i a t r a d e r. c o m
(406) 379-2354
MSU-Northern’s Sweetgrass Society was honored to host the 43rd annual powwow in the Armory Gymnasium last weekend (April 12, 13). The powwow featured dance categories for males and females ages 18 to 54 and golden age dancers 55 and older, traditional grass dances, women’s jingle, fancy, and traditional dances. There were also dances for the kids which included Junior boys and girls, teen boys and girls, and tiny tots categories. Devan Kicknosway, who danced at the Sweetgrass powwow, said powwows are great for the community because they introduce the culture to non-native people and makes a younger generation aware of traditions that they may have not been able to be exposed to. The country has many issues surrounding Native American communities, he said, such as the growing issue of missing and murdered indigenous women, and too often people are unaware of them. Montana State University-Northern
Best of luck to r MMtana aduates. Celebrate safely! See the list of ea aduatiis page 4
2 Tricia’s Trader......................................................................Volume XVII Issue 9...................................................................................May 1, 2019
*No Subscription Required. *Mailed FREE to Every Household in Dozens of Rural Montana Zip Codes. Call us today!
800-756-1817
CONTENTS: NEWS: Sweetgrass Society Hosted 43rd Annual Powwow...................................... 1 Higher Limits Now Available on USDA Farm Loans................................ 10
REGULAR FEATURES: Advertising/Subscriptions........................ 8 Bull Sale Calendar................................... 3 Community Spotlight................4 Dave Says...............................................10 Joyce Meyer Ministries............................ 9 Laugh Lines............................................. 8 Market Update......................................... 4 Ramblings of a Conservative Cow Dr.....11 Ranching For Profit.................................6 Realty Section......................................... 7 Sudoku.................................................... 8 Things To Know....................................... 3
The best of both PRINT & ONLINE... Where else does your ad work this hard? Visit us online today
www.TriciasTrader.com Find our DAILY ONLINE EDITION there!
Putting you first made us #1. Making you our #1 priority is what’s made State Farm #1* in auto insurance. I’m here to listen to your needs and to help life go right. CALL ME TODAY. ®
*Based on written premium as reported by SNL Financial 2014. Tom J LaFond, Agent 145 4th ave ste #4 Havre, MT 59501 Bus: 406-265-5861 tom@tomlafond.com MON. - FRI. 8:00 - 5:00 After hours by appointment 24 hr customer service
State Farm Mutual Automobile Insurance Company State Farm Indemnity Company Bloomington, IL State Farm County Mutual Insurance Company of Texas Dallas, TX 1601917
?Did you know? YOU CAN GET YOUR KNIVES & SCISSORS SHARPENED at BIG SKY IMAGES & COLLECTIBLES in Havre Holiday Village Mall, Will sharpen while you shop, Very affordable 406-399-6522 4-II
HELPING YOU HAUL: Is our business. See our selection of stock trailers, flatbeds, car haulers, utility trailers, toy haulers, and even We’re Mobile! “Tricias Trader” the B&W Hitch to hook you up. Brands like Circle D, Travalong, Hillsboro, Look, Haulmark, Diamond C, Boss Plows and more. FOR SALE: 700 Ton alfalfa/grass 8th Annual Dawson's Run For Sale: Oak TV Stand, like Triple T Sales in Chinook, 406-357mix hay, netwrapped round bales. In Memory of Dawson Fraser new. Has glass door, shelves & 2166, www.ttt-sales.com. 5-I Call 406-366-0422. 12-?? Registration 9am in front of Joplin Mart storage. Call 357-2837. 4-II 1 & 3 mile races begin at 10am 5-I:6-I
3 Tricia’s Trader......................................................................Volume XVII Issue 9...................................................................................May 1, 2019
THINGS TO KNOW: June 6-7, Thurs. & Fri.: DAVE PRATT (RANCHING FOR PROFIT)-2-day Workshop: 9:30 am to 5:30 pm each day. Tin Cup, 1652 Hwy 191 S, Malta, MT. Topics include: 3 Secrets for Increasing Profit; The Ins & Outs of Cell Grazing: People Issues – Employee Agreements, Communications and more! Cost: $100 per person for the first two family members, $75 each person thereafter. Sponsored by Ranchers Stewardship Alliance. Contact Paula at 654-1405 or paula.ranchstewards@gmail.com. UPDATE on Montana to Nebraska Flood Relief: NEW drop location for donations in Billings! - Western Ranch Supply, 7305 Entryway Dr, Billings, MT 59101. Hours: 8-6 Mon-Sat. We have a truck with 24’ trailer, a determined driver, and the fuel expenses covered. Now we need your help to get it filled! Our goal is to roll out on Saturday, April 20th. Contact number (406) 321-2975. 3rd Wed. of Every Month: VOLUNTEERS INVITED! BLAINE COUNTY LOCAL AREA COMMITTEE FOR MENTAL HEALTH meets in Youth Court Services meeting room of Bl. Co. Courthouse. All interested parties are welcome to share or bring ideas! Call 406-357-2369 for details. 3rd Thurs. Quarterly, Sept. 21, Dec. 21, Mar. 15 and June 21: BLAINE COUNTY DUI TASK FORCE meets in Bl. Co. Triple E Room at noon. This meeting is open to the public and welcomes the community. For questions call Deputy Chris Adair at 357-3260. First and Third Mon. of the Month.: HAVRE CHRISTIAN SCHOOLMeadowlark Estates, 4113 9th St. W., Havre, Sundays, 5:00-7:00pm. More info call Barbara Fell, 390-3708. Open to all denominations. REO offers agricultural workers & their families assistance with: Funding for short-term classes or college tuition, books & other related costs. Job Search, placements & advancements. Employment security & wage increases. For more info visit reomontana.org call 406-879-9384 or email fawn@reomontana.org
Let us know what’s happening in your area. It’s free and it gets read!
Call 379-2377 or email office@triciastrader.com
Western & Wildlife Artwork Indian Design Blankets Furs, Pelts, & Rawhide Braintan Buckskins Sage & Sweetgrass Native American Craftwork Custom Framing Call Ken Knife & Scissor Sharpening Today! Uncle Henry & Old Timer Knives Ruana Knives Morgan Silver Dollars
For Sale: Leased my land, have for sale - 935 Versatile Tractor, exc. cond., under 3k actual hrs; 65' Flexicoil sprayer w/ EZ250 guidance system; 42' of 150 Int'l drills w/ hitch. Call 406-379-2642, lv msg. 5-I
FOR SALE: 3 bed, 2 bath home at 515 Minn., Chinook, MT. Very clean, move-in ready, central a/c, bigskyimages.com storage, add'n w/ util. rm. New master bath, lots of upgrades. HAY GRINDING: Fodder & Sons Huge 2-car garage, deck, quiet For Sale: Montana Brand for Hay Grinding: (406)781-1197. neighborhood near HS. Call 406- sale, Cattle right shoulder; horses x Call now to schedule! 4-I 357-2835 or 262-3910 to see. right thigh. Call for picture or more info, 357-3572. 4-II
(406) 399-6522
Havre Holiday Village Mall 1753 Hwy 2 NW - Ste 8 Havre, MT
Specializing in Urethane Spray Foam Loose Foam Blow In
John 406-403-4402 Micha 406-403-5316
4 Tricia’s Trader......................................................................Volume XVII Issue 9...................................................................................May 1, 2019
SC
AG INTEREST SERIES: MARKETS
Louise Gartner, Spectrum Commodities 800-888-9843 April 24, 2019 Kansas City Wheat Minneapolis Wheat Chicago Wheat Corn Soybeans Live Cattle Feeder Cattle Boxed Beef - Choice Dressed Beef Crude Oil Heating Oil Unleaded Gas Natural Gas Silver Gold US $ Canadian $ Dow Jones
This Week 4.11 5.03 4.32 3.56 8.68 118.35 146.52 233 208 65.89 2.1008 2.0746 2.50 14.99 1279.40 97.85 0.74 26541
Change -0.15 -0.28 -0.18 -0.11 -0.24 -4.02 -4.08 10.00 3.00 2.13 0.0316 0.0328 -0.01 -0.02 2.60 1.20 -0.0084 113
S p e c t r u m
C o m m o d i t i e s
P u t t i n g T h e P o w e r o f I n f o r m a t i o n I n Yo u r H a n d s
Grain market were under pressure across the complex as weather opened up a window for planting progress after a slow start this spring. Spring wheat had additional selling following a report that Canadian farmers plan to seed more spring wheat acres this year. Corn and soybeans also ran into selling pressure from disappointment that we haven’t yet seen a trade deal with China. The cattle market ran into strong selling just days after seeing new contract highs in feeders. Cash fed markets were higher but couldn’t support the buckling futures market. Record numbers of cattle on feed as of April 1st cast a negative tone for cattle markets into the summer months. Feeder cattle quickly retreated from their contract highs on the weaker live cattle futures and softening prices at auction barns. Energy prices worked higher on ideas that increased sanctions against Iran would limit world crude supplies. The US dollar was strongly higher as foreign economies showed continued signs of slowing, leading investors to make a safe haven move toward US investment.
THIS IS market A SOLICITATION. or rebroadcast portionopened of this up information strictly prohibited without written permission. Grain were under Reproduction pressure across the complexofasany weather a windowisfor planting progress after a slow start this spring. wheat additional selling following a reportthis that Canadian is farmers The information reflected herein Spring is derived fromhad sources believed to be reliable; however, information not guaranteed as to its accuracy to seed more springexpressed wheat acres year. Corn and soybeans also ran into selling pressure orplan completeness. Opinions are this subject to change without notice. Futures trading involves risk.from disappointment that we haven’t yet seen a trade deal with China. The cattle market ran into strong selling just days after seeing new contract highs in feeders. Cash fed markets were higher but couldn’t support the buckling futures market. Record numbers of cattle on feed as of April 1st cast a negative tone for cattle markets into the summer months. Feeder cattle quickly retreated from their contract highs on the weaker live cattle futures and softening prices at auction barns. Energy prices worked higher on ideas that increased sanctions against Iran would limit world crude supplies. The US dollar was strongly higher as foreign economies showed continued signs of slowing, leading investors to make a safe haven move toward US investment. THIS IS A SOLICITATION. Reproduction or rebroadcast of any portion of this information is strictly prohibited without written permission. The information reflected herein is derived from sources believed to be reliable; however, this information is not guaranteed as to its accuracy or completeness. Opinions expressed are subject to change without notice. Futures trading involves risk. Louise Gartner Spectrum Commodities 800-888-9843 Daily Podcast: www.spectrumcommodities.podbean.com
We would love to help with your next design project!
Wishing our area grads the best of luck with their future endeavors! montanagrafix.com 406.399.7763 | hannah@montanagrafix.com
2019 Graduation Dates High School: Big Sandy May 19th - 2pm Rocky Boy May 23rd - 6pm Chinook May 19th - 2pm CJI May 19th - 2pm Dodson May 17th - 6pm Ft. Benton May 19th - 2pm
5 Tricia’s Trader......................................................................Volume XVII Issue 9...................................................................................May 1, 2019
Harlem May 19th - 1pm Havre May 26th - 2pm Hays Lodgepole May 18th - 1pm Malta May 19th - 2pm North Star May 18th - 2pm Saco May 18th - 2pm Turner May 18 - 4pm Whitewater May 17th - 7pm
College: MSU-Northern Havre May 4th - 10am Aaniiih Nakoda College Held at Harlem High School Gym May 9th - 5pm Stone Child College May 10th - 11am
HWY 2 West, Malta 406-654-1406
6 Tricia’s Trader......................................................................Volume XVII Issue 9...................................................................................May 1, 2019
Ranching For Profit Blog - Dave Pratt Healthy Land, Happy Families and Profitable Businesses www.ranchingforprofit.com
When is a Dollar Not a Dollar?
HOLY COW! Big Sky Images & Collectibles has America's largest retail displays of Ruana & USA Made Old Timer & Uncle Henry Knives. Havre Holiday Village Mall 406-399-6522 http://www. bigskyimages.com. 4-II
ART IN THE PARK & JOPLIN CAR SHOW Saturday June 15, 2019 - Joplin Memorial Park 19th Annual Art in the Park 10am-4pm Featuring multiple food booths, a beer garden, arts & crafts vendors, horseshoe tournament, entertainment & music, and Kid Zone with Bungee jump, Bungee run, swing ride, 20 ft slide, laser tag, bounce houses, face painting and cotton candy. Vendors interested call: Kassondra May @589-4779 5-I:6-I
For Sale: Hill County Farm. 960 acres with approximately 825 acres non-irrigated dry cropland located about 30 miles N of Havre. Total price is $825,000. Call for details, Brokers Shane Ophus at 406-788-6662. 5-I
Attention: Dave Pratt (Ranching for Profit) 2-day Workshop: June 6-7, 2019, 9:30 am to 5:30 pm each day. Tin Cup at 1652 Hwy 191 S, Malta, MT. Topics include: 3 Secrets for Increasing Profit; The Ins & Outs of Cell Grazing: People Issues – Employee Agreements, Communications and more! Cost: $100 per person for the first two family members, $75 each person thereafter. Sponsored by Ranchers Stewardship Alliance. Contact Paula at 654-1405 or paula. ranchstewards@gmail.com. 5-I
Dan Airely, a behavioral economist at Duke University conducted a silly experiment with serious implications. The experiment involved money, Coca Cola and college students. Dr. Airely stocked dorm room refrigerators with one of two things. He put a six pack of Coke in some. In others, he placed a paper plate with six crisp one dollar bills. Can you guess what he discovered when he looked in the refrigerators three days later? As you probably guessed, the Cokes were all gone. But no one took the money from the refrigerators stocked with dollar bills. Economically there isn’t any difference between grabbing a can of Coke and taking a dollar bill and buying a Coke from the vending machine. (Vending machines in the Duke University dorms sold cans of Coke for a dollar.) Why is it easier to steal a dollar’s worth of Coke than it is a dollar? The further we remove a transaction from cash, the less we feel the economic impact of the transaction. Taking cans of Coke from a dorm room refrigerator may seem trivial, but this disconnect shows that there are serious real world examples that impact all of us. (Anyone remember credit default swaps?) There are also examples that are a lot closer to home that impact us every day. Two come to mind right now, you may want to contribute your own examples in response to this column. Let’s feed some hay. Let’s say that hay is $100/ton and that we feed 30 pounds of hay a day to our 400 cows (a total of 4 ½ tons a day). Would we be as comfortable feeding the hay if every morning we had to walk into the barn, pull $600 out of our wallet to feed the vending machine so that we could feed our cows? That’d be one big vending machine to see those nine 1,000 pound bales roll down. Let’s go do it ourselves. We are so busy working in our business that we don’t have time to work on it. We don’t think we can afford to hire someone and, even if we did, they wouldn’t do the work as fast or as well as we can. We spent 4 hours this morning fixing a fence dividing two pastures. Had we spent that 4 hours in the office we could have devised a new strategy for managing replacements and cull cows that reduced depreciation from $300/cow/year (which is typical on most cow-calf operations) to $100/cow/year or less (like many RFP alumni have done). That would save us $60,000/year. Since we were too busy fixing fence to develop a plan to reduce depreciation, the fence repair actually cost us $60,000, didn’t it? Most of us love the physical work of ranching, but doing it all ourselves and insisting it all be done our way may cost more than paying someone else to do the work. After all, whether it’s a bale of hay, the depreciation of a cow, an hour of our time or a can of Coke, a dollar is a dollar.
For Sale: Large collection of Salt Savers. Lots of variety. Call 357-2837. 4-II
FOR SALE: New Mint State Silver Eagle Dollars & Morgan Silver Dollars! BIG SKY IMAGES & COLLECTIBLES Havre Holiday Village Mall 406-399-6522 4-II
7 Tricia’s Trader......................................................................Volume XVII Issue 9...................................................................................May 1, 2019
Is there another way???
Looking to improve soil health? Reduce input costs? Get rid of the baler???
Winfred, Goliath, oats & Triticale for Swath Grazing
Decide for yourself if ... • Nutrient-Dense Forage Grazing • Swath Grazing • or Stockpiling Winter Forage will work on your operation.
Oats w/ Ultimate Mix
Turner, Montana Legume Pasture
Are you ready to change the way your cattle are fed? Ask us about a custom mix for your region and goals.
Take advantage of early payment discounts! Save 7% by booking now! March 31st payment deadline! Are you looking for that special hard-to-find book? BIG SKY Have you ever sworn an oath to uphold IMAGES & COLLECTIBLES the U.S. Constitution? Check out We have NEW and USED BOOKS www.OathKeepers.org . 11-x will special order Havre Holiday Village Mall 406-399-6522 4-II
Relay Mix 1 mo. after silage
Call us (406)379-2512 or visit www.KimmelRanch.com for more information.
8 Tricia’s Trader......................................................................Volume XVII Issue 9...................................................................................May 1, 2019
PQ?[
SUD0KU E S $ !
SUDOKU! The rules to the Japanese game of Sudoku are straightforward. Simply fill in the blanks so that each row, each column, and each of the nine 3x3 grids contain one instance of each of the numbers 1 through 9. SOLUTION:
The next issue publishes Wed., May 15, 2019. Ad DEADLINE Wed., May 8th at 9am. 2000 Country Club Road * Turner, MT 59542
“TRICIA’S TRADER” IS PUBLISHED BY:
Phone 800-756-1817 or 406-379-2377
LLC
Town: Joplin Inverness Rudyard Hingham Gildford Kremlin Ft Benton Loma Big Sandy Havre Chinook Harlem
Reaching the end of a job interview, the Human Resources Officer asks a young engineer fresh out of the Massachusetts Institute of Technology, "And what starting salary are you looking for?" The engineer replies, "In the region of $125,000 a year, depending on the benefits package." The interviewer inquires, "Well, what would you say to a package of five weeks vacation, 14 paid holidays, full medical and dental, company matching retirement fund to 50% of salary, and a company car leased every two years, say, a red Corvette?" The engineer sits up straight and says, "Wow! Are you kidding?" The interviewer replies, "Yeah, but you started it."
Email: office@triciastrader.com www.TriciasTrader.com FAX: 888-796-8498
Contact us to place an advertisement, complete the form above, or visit us online to submit your ad.
Tricia’s Trader SERVES THESE TOWNS ALONG THE MONTANA HI-LINE:
Prefix: 292 292 355 397 376 372 621, 622 739 378 262, 265, 407, 808, 945, 969, 390, 394, 395, 398, 399 357 353
Ft Belknap 353 Turner 379 Hogeland 379 Zortman 673 Dodson 383 Malta 301, 654, 658, 680 Loring 674 Whitewater 674 Saco 527 Hinsdale 364, 648
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.
9 Tricia’s Trader......................................................................Volume XVII Issue 9...................................................................................May 1, 2019
Enjoying Everyday Life Joyce Meyer
The Benefits of Discipline & Self-control
FOR SALE: Used oilfield pipe, rods, cable & guard rail. New HDPE pipe. Engineered bridges for pivots, vehicles, walking & ATV. Clips & post caps. Toll free866-683-7299 or 406-453-7299 BIG SKY PIPE AND SUPPLY, Great Falls. Call TODAY and Ask for our free catalog. VISIT US ONLINE ht t p:// bi g sk y pip e a nd suppl y. com/html/ 12-I:6-I
For Sale: 4-H project pigs. Yorkshire, Hampshire, Duroc. $150 in April, $200 after April 30th. Located in Malta, call evenings, 406-344-2794. 4-II Looking for Help? Help Wanted ads are FREE in Tricia’s Trader. Call today! x
For Sale: Large collection Searching for something? of Salt Savers. Lots of Find it in the search window variety. Call 357-2837. 4-II at www.TriciasTrader.com. x
What goals do you have for your life? Maybe you want a closer relationship with Jesus, better physical health, stronger relationships, or a breakthrough in overcoming an issue that you’ve been battling for years. We all have something we’re working toward—or some way we should be growing and developing our potential. Many people struggle to make good changes on a consistent basis and it causes them to be frustrated or miserable. This is what happens when we don’t choose to use discipline and self-control. I say “choose” because if you’re a believer in Christ and have made Him the Savior of your life, then you have the fruit of selfcontrol. Second Timothy 1:7 (ESV) says, “God gave us a spirit not of fear but of power and love and self-control.” So you can confidently declare by faith, “I DO have self-control, and I CAN do whatever I need to do in life through Christ!” “It’s Just Too Hard!” God has created each person with talents or abilities. But if we don’t exercise discipline and self-control to develop those talents and focus on using them, then we won’t ever reach the full potential of what we’re created to be. I heard someone describe it like this: Talent without discipline is like an octopus on roller-skates; there’s plenty of movement but you never know if it will be forward, backward or sideways. I’ve often said that wisdom is doing now what you’ll be happy with later on. Exercising self-control is always a wise choice; we just have to believe we can do it with God’s help. It’s common to hear people say, “It’s just too hard!” when they keep giving in to temptations that hold them back from reaching their goals. But we have to stop saying this, because the truth is God will not lead us to do anything we cannot do. We need to toughen up a little bit and be determined to do what’s right even when it’s hard or doesn’t feel good. I read that eaglets go through a struggle to break out of their shell, and they need to do this to develop the tenacity and strength to become the majestic eagle they are born to be. It’s the same way with us. We need to go through challenges in life to become everything we can be, and to do everything God has planned for us to do! Consider the Consequences When we’re facing temptations—especially in an area that’s been a chronic weakness—it’s easy to make excuses to justify giving in to them. But if we really considered the consequences of choosing temptation over self-control, we’d discover we can do things we should do if we want to badly enough. Here’s a silly illustration to show you what I mean… Someone says, “Ice cream is my weakness and I just can’t say no to it.” I say, “Yes, you can! And I want to prove to you that you can resist the temptation.” Imagine you’re at the largest ice cream parlor in the world. They have every flavor you could possibly want, and it’s the creamiest, best ice cream anywhere on the planet. They serve large portions and will make whatever you desire. So you order the largest, tastiest ice cream delight you could want and the clerk makes it and hands it to you with a spoon. Do you think you can you put that ice cream down? As you’re about to heap a spoonful into your mouth you hear “click.” You feel a cold, metal object touch the back of your head. Out of the corner of your eye, you see a large, hairy hand holding a gun to your temple. A deep voice says, “If you eat that ice cream, I will blow your head off.” Now, let me ask you again: Can you put down that ice cream? (I’m sure that now you’re saying, “Yes!”) Here’s the point I’m trying to make: You can say no to anything if you know what the consequences are going to be if you don’t. “Yes, I Can!” No matter how you’ve been living up to this point, if you’ll choose to trust God and ask Him to help you, you can overcome your regrets and get to where you really want to be. First Corinthians 10:13 (ESV) gives us this promise: “No temptation has overtaken you that is not common to man. God is faithful, and he will not let you be tempted beyond your ability, but with the temptation he will also provide the way of escape, that you may be able to endure it.” Meditate on this verse and commit it to memory so you can quote it in those moments of temptation. Pray for God to help you trust Him to give you the ability to say no to every temptation; focus on making a little more progress in the right direction one day at a time. God loves you and He has good plans for your life. He is always for you, and He wants you to succeed in experiencing His best for you. With Him on your side, you can do it! ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ For more on this topic, order Joyce’s four-CD series Sit, Stand, Walk, Run. You can also contact us to receive our free magazine, Enjoying Everyday Life, by calling (800) 727-9673 or visiting www.joycemeyer.org. Joyce Meyer is a New York Times bestselling author and founder of Joyce Meyer Ministries, Inc. She has authored more than 100 books, including Battlefield of the Mind and Unshakeable Trust: Find the Joy of Trusting God at All Times, in All Things (Hachette). She hosts the Enjoying Everyday Life radio and TV programs, which air on hundreds of stations worldwide. For more information, visit www.joycemeyer. orgPlease note: The views and opinions expressed throughout this publication and/or website are those of the respective authors and do not necessarily reflect those of Joyce Meyer Ministtries.
10 Tricia’s Trader....................................................................Volume XVII Issue 9...................................................................................May 1, 2019
DAVE SAYS:
Who Is Dave Ramsey? Dave Ramsey is a personal money management expert, popular national radio personality and the author of three New York Times bestsellers – The Total Money Makeover, Financial Peace Revisited and More Than Enough. In them, Ramsey exemplifies his life’s work of teaching others how to be financially responsible, so they can acquire enough wealth to take care of loved ones, live prosperously into old age, and give generously to others.
DEAR DAVE, I’ve started following your plan, and I’ve got a beginner emergency fund of $1,000 saved. Now that I’m ready to start paying off debt in Baby Step 2, do you recommend paying off credit card balances before or after closing the accounts? -Maeve DEAR MAEVE, I’m really proud of you. Congratulations on starting the journey toward getting out of debt and gaining control of your money! Honestly, either way is fine. The point is to get rid of them, and stop using the stupid things. I like the idea, and the finality, of going ahead and closing the accounts and cutting up the cards. Personal finance is 80 percent behavior. Getting credit cards—and credit card debt—out of your life is a great first step in really learning to behave with your money. Remember, you don’t build wealth or save money by using credit cards. And you’re naïve if you think you’re going to play around with a multi-billion-dollar industry and beat them at their own game. The only way to win against credit card companies is by refusing to play around with them! -Dave DEAR DAVE, I’d like to start paying a little extra each month on my car loan, so I can get out of debt faster. Would it be a good idea to write a separate check for this extra amount? -Steve
Higher Limits Now Available on USDA Farm Loans Higher limits are now available for borrowers interested in USDA’s farm loans, which help agricultural producers purchase farms or cover operating expenses. The 2018 Farm Bill increased the amount that producers can borrow through direct and guaranteed loans available through USDA’s Farm Service Agency (FSA) and made changes to other loans, such as microloans and emergency loans. Key changes include: The Direct Operating Loan limit increased from $300,000 to $400,000, and the Guaranteed Operating Loan limit increased from $ 1.429 million to $1.75 million. Operating loans help producers pay for normal operating expenses, including machinery and equipment, seed, livestock feed, and more. The Direct Farm Ownership Loan limit increased from $300,000 to $600,000, and the Guaranteed Farm Ownership Loan limit increased from $1.429 million to $1.75 million. Farm ownership loans help producers become owner-operators of family farms as well as improve and expand current operations. Producers can now receive both a $50,000 Farm Ownership Microloan and a $50,000 Operating Microloan. Previously, microloans were limited to a combined $50,000. Microloans provide flexible access to credit for small, beginning, niche, and non-traditional farm operations. Producers who previously received debt forgiveness as part of an approved FSA restructuring plan are now eligible to apply for emergency loans. Previously, these producers were ineligible. Beginning and socially disadvantaged producers can now receive up to a 95 percent guarantee against the loss of principal and interest on a loan, up from 90 percent.
DEAR STEVE, I think that’s a great idea! You can include the extra check in a separate envelope with the regular payment. In addition, write “principal only” in big, bold letters on the extra envelope and on the extra check. Make sure to also include the account number in the notation line at the bottom. Follow these guidelines, and you’ll be much less likely to run into problems as result of someone at the bank not paying attention. Some companies use payment booklets that have a box specifically for entering any amount you want applied directly to the principal. See if this is available to you, as well. Regardless, make sure you keep an accurate, written record of the monthly and overall amounts you’re designating as “principal only.” Great question, Steve! About Farm Loans -Dave Direct farm loans, which include microloans and emergency loans, are financed and serviced by FSA, while * Dave Ramsey is CEO of Ramsey Solutions. He has authored seven best-selling books, guaranteed farm loans are financed and serviced by including The Total Money Makeover. The Dave Ramsey Show is heard by more than 13 million listeners each week on 585 radio stations and multiple digital platforms. Follow commercial lenders. For guaranteed loans, FSA provides a Dave on the web at daveramsey.com and on Twitter at @DaveRamsey. guarantee against possible financial loss of principal and interest. For more information on FSA farm loans, visit www. fsa.usda.gov or contact your local USDA service center. USDA Farm Service Agency
11 Tricia’s Trader....................................................................Volume XVII Issue 9...................................................................................May 1, 2019
Ramblings of a Conservative Cow Doctor by Krayton Kerns, DVM, former State Rep. HD 58
Spring Fever
I’m a country kid and the first shoots of green grass boosts my mood and the worse the winter, the better the spring. Here in mid-April, my stock tanks are overflowing, there is more daylight than darkness and daytime temperatures are kind. I am living the dream. Here is how my spring time optimism relates to politics. An enormous canyon separates America’s two main political parties. The Republican Party is founded on liberty, limited government, free markets, and equality of opportunity. Most on the right know we are a republic. Sadly, there are outliers in the GOP who hold compromise as the supreme virtue, and they will capitulate to the progressives anytime and anywhere. The Democrat Party is founded on dependency, massive government, free stuff and equality of outcome. Their power comes from mob-rule and they purposely and erroneously proclaim our nation is a democracy. They are a like-minded block, so outliers do not exist. Democrats view the great unwashed as lost, ignorant, and incompetent. Government is their god; abortion their sacrament. Because the ruling class views the little people from a master-slave perspective, guess which one are you? Here is how this ideological division played out in my life. I graduated from a small Wyoming high school in 1975, the University of Wyoming in 1979, and vet school at Colorado State University in 1983. My eight years in academia insulated me from the hyperinflation and high unemployment of the Carter years. However, I vividly remember the helplessness President Carter displayed as Iranian terrorists repeatedly rubbed American noses in the dirt. Ronald Reagan burst into the presidency in 1981 and leftists and media propagandists hated him. Rather than serving to obtain their favor, his loyalty was to liberty and restoration of the American spirit. Reagan made it felt great to be an American again. Three presidents later, we elected a commander-in-chief who viewed our country with utter disgust. Ours is the greatest nation in history, we should never apologize for being an American, yet this was President Obama’s underlying belief. The worse the winter, the better the spring and along came Donald Trump. Even though media propagandists, ruling class Democrats, deep state bureaucrats, and progressive Republicans despise him, his love of country is unwavering. This brings me to my point. The wagon load of 2020 Democrat presidential candidates all hate America and the principles for which she stands. They are Obama clones and we do not want to go there. Re-elect President Trump so it continues to be springtime in America.
12 Tricia’s Trader....................................................................Volume XVII Issue 9...................................................................................May 1, 2019
TIMED ONLINE ONLY
Joel Pruttis Farm Equipment Chinook, MT
2019
ENDS: MONDAY, MAY 6 | 7PM
LOCATION: Chinook, MT • East 10.5 mi on Hwy 2, N on Oberg Rd 3 mi
INSPECTIONS: Stop By Days But Give Joel A Call For Starting Units
Custom Designed & Built to Last Commercial • Suburban • Farm • Home • Horse
FEATURING:
Cleary prides itself on high-quality service and customer satisfaction... SIMPLY THE RIGHT CHOICE!
Contact us TODAY and ask about current COLUMBUS, MT • 406-322-5427 BUILDING SPECIALS in your area! GREAT FALLS, MT • 406-453-4322
800-373-5550 • ClearyBuilding.com
BIGSKYIMAGES&COLLECTABLES We have NEW and USED BOOKS For Sale: Oak TV Stand, like will special order Havre Holiday new. Has glass door, shelves & 4-II Village Mall 406-399-6522 5-I storage. Call 357-2837.
19th Annual Joplin Car Show Registration 9am-11am - $10 pre registration or $20 day of event at NE corner of the park. Prizes for Best Chevy car, Ford car, Mopar car, best pickup, participant's choice, people's choice, and door prizes To pre-register call Rick Richter @292-3581, Tom Wood @292-3339 or mail request to: Joplin Car Show Box 8, Joplin, MT 59531 5-I:6-I
For Sale: 18+acres - 16 irrigatable. 12 miles west of Malta. Bird hunters dream. Has 2 houses on the property, horse barn, corrals, automatic waterer. Workshops and other outbuildings. Call Dennis at 654-2273 or 671-2244. 4-II 8th Annual Dawson's Run In Memory of Dawson Fraser Registration 9am in front of Joplin Mart 1 & 3 mile races begin at 10am 5-I:6-I