Read About: Tricia’s Trader Says Thank You and Goodbye ~ Hogeland Fire Department Fundraising for Essential Equipment
Our Regular Features: Ranching for Profit – Getting Better Before Getting Bigger ~ Joyce Meyer – Enjoying Everyday Life – The Most Important Key to a Healthy Life ~ Dave Ramsey – Dave Says – Don’t let budgeting myths sabotage your finances~ Things to Know ~ Classifieds.
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The January 6th edition will be the LAST edition of Tricia’s Trader. This has not been an easy decision, and I would much rather transition the business to a new owner, but IF that doesn’t happen we will be discontinuing in 2021.
So many things have changed since we first began back in 2003, and now life is pulling me in directions I must go sooner rather than later…I have so enjoyed this journey!
We will continue to provide design, print, and production services like the fair premium book and small publishing projects like business cards, recipe books, and family history books as we’ve done in the past.
Building relationships with our readers and advertisers has been a highlight in my life, and I have learned so much from every- one I’ve crossed paths with. Thank you for that. Our Montana business community will continue to hold a beloved place in my heart and in my future endeavors.
If you know someone who would like to take the reins and move the publication to the next level, please reach out. I would love to see the paper continue to serve all of you into the future.
We all hope your family is healthy, happy this season and that 2021 surpasses in blessings anything 2020 dished out in difficulties. God bless!
Download this image for your child to color by clicking the download link below!
Jan. 6: @ 12 noon: Attachment Theory with Dr. Finger with CEUs for BBH & OPI. Part of the “Let’s Talk, Montana!” workshop series. For info, call 214-0029 or visit www.montanasocialscientists.com
Havre Beneath the Streets is open their regular winter hours: Mon-Sat 10 a.m. to 4 p.m., closed Sundays. Call 265-8888 for tickets and information.
Through December: Hill County COVID-19 Virtual Education & Support Group will have a series of webinars starting Monday, November 9th at 7:30 p.m. via Zoom. Visit the Hill County Covid19 Virtual Education & Support Group Facebook page to register. Week 2 (Nov. 16): Compassion, Week 3 (Nov 23) Connection & the Holidays, Week 4 (Nov 30) Rest & Relaxation, Week 5 (Dec. 7) Surviving & Thriving, Week 6 (Dec. 14) Making Healthy Choices
Alcoholics Anonymous Meetings along the Hi-Line:
Chinook: Tuesdays @ 8 p.m. at the Presbyterian Church
Harlem: Wednesdays @ 7:30 p.m. at the Library (will resume meeting at Ft. Belknap at a later date)
Harlem: Fridays @ 7 p.m. at the Library (regular meeting time/place)
Hays: Tuesdays @ 7 p.m. at the Eagle Child Health Center
Malta: Mondays @ 12 noon at the Villa Theatre (rear entrance)
Malta: Wednesdays @ 8 p.m. at the Villa Theatre (rear entrance)
Malta: Thursdays @ 12 noon at the Villa Theatre (rear entrance)
Malta: Saturdays @ 4 p.m. at Nick’s House (139 9th Street Southwest)
Malta: Sundays @ 7 p.m. at the Villa Theatre (rear entrance)
Dodson: Mondays @ 8 p.m. at Ron K’s House
Chester: Thursdays @ 7 p.m. at Our Saviour’s Lutheran Church
Box Elder: Tuesdays @ 6 p.m. at the Box Elder Catholic Church
Rocky Boy: Wednesdays @ 6 p.m. at the Upper Box Elder Road Big Blue Building next to White Sky Hope Facility
Glasgow and Havre have meetings every day…
Call the Area 40 HOTLINE anytime for support and meeting information at 1-833-800- 8553 or visit https://aa-montana.org/index.php?city=Area%2040
Montana Army National Guard is looking for YOU! For more information contact SGG Bakken at 406-324-5447. There are several financial incentives for joining the guard, but the rewards of serving our State is far greater.
Wednesdays and Fridays from 12noon-4ish p.m. Granny’s Closet in downtown Harlem is open! More shoes and clothes have been added. Lots of goodies available.
New Rural Grant Opportunity Applications now available for a new round of nationwide relief for small businesses in rural communities. The application window closes quickly. To learn more, visit https://lisc.org/covid-19/small-business-assitance/small-business- relief-grants/lowes/ or visit the Great Northern Development Facebook page.
Blaine County Library at Chinook announces Storytime at the Library! Every Tuesday at 10:30am in the Children’s area at the library. Need more information? Follow the Blaine County Library Facebook page, check out their website at www.blainecountylibrary.org, or call 357-2932. The library is open Mondays 12-7pm Tuesdays 10am-6pm, Wednesdays 12-7pm, Thursdays 10am-6pm, and Fridays noon to 5pm.
Phillips County Library is currently hosting the Carnegie Libraries Carnegie traveling exhibit. Phillips County residents are invited to come learn more about the history of Montana’s 17 Carnegie libraries, which were built across the state at the turn of the 20th century. For more information, call the library at 654-2407 or stop by Mon-Thu (10-12/1- 6) or Fridays (10-12/1-5).
Havre Beneath the Streets is OPEN for business. Monday through Saturday 10 a.m. to 4 p.m. until further notice. Call 265-8888 for tour times and booking reservations.
HRDC in Havre is seeking donations for specific, new (unopened, not used) items for their Victim Services Program. Items include diapers, new packages of socks and undergarments, new baby and children’s clothes, paper products, new women’s clothing, and more. Please visit the website or call 265-6743 for more information. At this time, HRDC cannot accept used donations due to COVID-19 restrictions. Thank you for your support.
DAVE SAYS: 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.
I made a resolution to start following your plan in 2021. I talked to my parents about this, and while they like some parts of your teaching, they don’t think living on a budget is necessary if you make good money. They also said budgeting is extremely difficult. Are they right?
For whatever reason, I’m afraid your parents are way off base on this one. A lot of people trash talk the idea of budgeting, and make up all kinds of excuses for not living on one. The truth is a written, monthly budget is essential when it comes to beating debt and winning with money—period. It’s the map you need to get where you want to go in your financial journey.
There are lots of myths, and just some bad information, out there where living on a budget is concerned. Making a budget isn’t rocket science. If you can do basic math, you can create a budget. Your income minus your outgo needs to equal zero. That’s it! You might spend a couple of hours tallying all your expenses when you first start, but the process soon becomes faster and easier. All it takes is a little practice.
If you think doing a budget is only for people who have trouble making ends meet, think again. My wife and I have lived by a written, monthly budget every single month for about 30 years. It doesn’t matter whether you’re a multi-millionaire, or if you have just $100 to your name, knowing exactly how much money you have—and where it’s going—is an essential part of managing your finances accurately and successfully.
Believe me, I hear dozens of other excuses, too. You’d be amazed at how many people don’t make a budget every month because they think it’s “boring.” Others claim they can do their budgets in their heads. I don’t think so! For a budget to really work, it needs to be something you can track down to the last penny. And if you’re married and saying you can do a monthly budget in your head, that means only one of you is involved in the decision making. That’s a recipe for disaster in your finances and your relationship.
A budget represents your financial game plan for the upcoming month and years ahead. As Benjamin Franklin said, “If you fail to plan, you are planning to fail.” —Dave
Ranching For Profit Blog – Dallas Mount, CEO
Healthy Land, Happy Families and Profitable Businesses
Our busy season of conducting Ranching for Profit Schools has just begun. Last week, I had the pleasure of dropping in on the school in Abilene, TX and meeting some outstanding participants. It is always an honor to be trusted enough to be invited to help a business discover a new path forward that will help create the outcomes they desire. Below is one family’s story, names and identifying details have been changed to protect the privacy of individuals.
The Smith family ranch doesn’t have any money left at the end of the year. At least it feels like nothing. It takes everything the ranch has, just to keep up with the basics (insurance, utilities, repair bills and routine maintenance). There is no money left to go towards ownership salary, building reserves for later, upgrading equipment or even doing a project on the ranch. What is the problem? The cattle are productive and fetch similar or even better prices then the average. The ranch facilities are modest and the family doesn’t live extravagant lives. Why does it seem like they can’t get ahead?
The Smiths finally opened up to their trusted friends and neighbors about their struggles and the neighbors suggested attending a Ranching for Profit School. They had heard of RFP but how could they make that work? They don’t have that kind of money laying around to spend on themselves. The neighbors pointed out, it’s really only the cost of a bull and they always find the money to replace a few bulls each year. Maybe it is time they invest in themselves for a change? It’s clear staying on the current path isn’t the right strategy.
One thing they were looking forward to at the school was getting into the grazing stuff. They’d always been interested in better grazing management, but just needed some confidence in what practice to implement first. While at the school the Smiths learned that in any business there are only three ways to increase profit. At the school, they call these “The Three Secrets”. They are:
1. Reduce overheads
2. Improve gross margin per unit
3. Increase turnover.
They really aren’t secrets at all, but economic principles that when applied feel like discovering a secret.
The instructor said high overhead costs is the leading problem for most ranchers today. They thought this would likely be the case for them and improving their grazing management could allow them to run more animals on their existing set of overheads. In the evenings at the school, the participants have an opportunity to dive into their own numbers and the Smiths took full advantage of this. On one evening they calculated their Gross Product (the value of their production) and by the next evening they calculated their Gross Margin. The Gross Margin is the economic contribution made by each unit of production, in this case their cows. If the Gross Margin is high, the cows are working well if it is low, there is a problem.
Ranching for Profit has benchmarks to identify a healthy Gross Margin. When the Smiths finished calculating their Gross Margin and laid it next to the benchmark it was disheartening. Their Gross Margin was half of the benchmark. How could this be? They were sure they had good cows. As the instructor helped them review their numbers it was clear that their Gross Product was good, their cows were productive, but their direct costs were off the charts. What’s more is that their ideal strategy of improving their grazing to run more cows would just create more headaches. Even if they doubled the number of cows they were running, there wasn’t enough gross margin to cover the overheads. They needed to fix the gross margin, get better, before getting bigger. After getting over the shock the Smiths got to work. As they examined their situation with fresh eyes, they found all sorts of creative solutions to improve the gross margin. In fact, in just 2 hours of running new scenarios they had doubled their gross margin and were now hitting the benchmark for gross margin.
The Smiths discovered there isn’t a one-size-fits-all strategy to improve profitability. A business must identify in which of the three secrets for profit lies the biggest problem, then develop strategies to address the problem. What if the gross margin was negative and they doubled the number of cows they were running? They’d go broke faster!
Some version of this story will play out over and over again throughout this season of RFP schools. The specifics will vary, but knowing which of the three secrets for increasing profit is the weakest link will focus management, giving the business owners the focus to develop effective strategies. We have to diagnose the problem before we start prescribing solutions. The economic model takes a shotgun blast approach to business management and turns it into a rifle shot. It tells management exactly where the problem lies and focuses management attention on solutions.
Enjoying Everyday Life
Do you know that God is interested in every area of your life? The truth is He cares about every single thing that concerns you, and He wants every bit of you to be whole and healthy.
First Thessalonians 5:23 (AMPC) says, “May the God of peace Himself sanctify you through and through [separate you from profane things, make you pure and wholly consecrated to God]; and may your spirit and soul and body be preserved sound and complete [and found] blameless at the coming of our Lord Jesus Christ (the Messiah).” This verse shows us that we can be “wholly consecrated to God,” and He wants our spirit, soul and body to “be preserved sound and complete.”
Jesus came to heal you and make you whole. He died so your sins could be forgiven and you could be made whole in your spirit, soul and body (Isaiah 61:1-3; Luke 19:10; John 10:10).
Understanding the Way God Made You
God created us as tri-part beings: we are a spirit, we have a soul and we live in a body. One function of our spirit is the conscience; it’s the part of us that receives revelation from God. The soul is made up of our mind, will and emotions, and our body is the “house” we live in. It’s easy to think that God is only interested in spiritual things, but all three parts of our being are important to Him.
We can be sound spiritually—born again and on our way to Heaven—but God wants more for us than that. Jesus didn’t come so we could just make it through this life and get to Heaven. He wants us to enjoy the journey, too!
I remember years ago when I was going to church regularly and had received Christ as my Savior, but so much of my life was a mess! I really loved God, but I didn’t love my life. I looked like I had it all together on the outside, but there was a lot of pain and dysfunction on the inside of me that people didn’t know about.
It was an amazing revelation when I saw in God’s Word that He cares about how we think, talk, our finances, our relationships, and that He has a plan and purpose for every single one of us. God wants our lives to be good! It took time and a determined decision on my part to study the Word and believe God’s promises were for me, but I’m no longer a miserable Christian and can honestly say today that I am much healthier and enjoy the life God has given me.
The Foundation of Better Health
The best way to begin pursuing better health is by pursuing a deeper relationship with Jesus, because if your spirit is not healthy and right with God, then the other areas of your life can’t become completely whole either.
Psalm 63:5 (AMPC) says, “My whole being shall be satisfied as with marrow and fatness; and my mouth shall praise You with joyful lips.” I love that this says “my whole being shall be satisfied.”
And Psalm 63:8 gives us the key to complete satisfaction: “My whole being follows hard after You and clings closely to You; Your right hand upholds me.” So if we want to be fully satisfied, we have to follow hard after Jesus!
In any area of life, you’ll get out of it what you put into it. It’s foolish to think you can have a close walk with God if you don’t spend time with Him on a regular basis, or the only time you talk to Him is when you’re in trouble. Being a victorious Christian is not just a Sunday morning event. And God wants to have a personal, intimate, ongoing relationship with you.
It’s a Daily Choice
Romans 12:1 says to “make a decisive dedication of your bodies [presenting all your members and faculties] as a living sacrifice, holy (devoted, consecrated) and well pleasing to God, which is your reasonable (rational, intelligent) service and spiritual worship.” In other words, we need to dedicate our entire being to God… to be passionate for Him and seek Him with ALL of our heart.
As you pursue greater health, I want to encourage you to start by dedicating (or rededicating) your entire life to Jesus. Spend time in prayer each day, study the Bible and discover for yourself what it means to have an intimate relationship with Jesus and be full of the life of God.
Remember that your walk with Christ is a lifelong journey, and learning to be completely dedicated to Him is a process. As you make progress little by little each day, your life will get more exciting because following the plan God has for you is the way to become satisfied in your whole being—spirit, soul and body.
For more on this topic, order Joyce’s four-teaching CD series Pursuing What Matters Most. 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.
Each year the Hogeland Volunteer Fire Department holds a spaghetti dinner in cooperation with the local extension club Hogeland Happy Housewives. The annual October feed is designed as the sole fundraiser for the HVFD to cover the costs of training and equipment. Currently, the volunteers are fundraising for a new firefighting pickup, but their efforts have been stymied due to the public gathering restrictions in place because of CoVid-19. The spaghetti feed has been put canceled for this year, but the firemen would like to urge supporters to remember them in their charitable giving efforts this season to help meet their fundraising goals. In places as small as Hogeland, volunteer services like these are crucial to protecting the community.
Contributions may be sent to Jordan Zellmer, HVFD Treasurer, at PO Box 108, Hogeland, MT 59529. Jordan may be contacted at 379-2687 with any additional questions. The firemen thank everyone for their past generosity and future support, especially in trying times like these.
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/ 7-I:X
Daily Monday through Friday: Chinook Senior Center has lunch meals available for pick up. $5 for seniors, $6 for others. Cinnamon rolls and other treats available by ordering in advance. Call to find out more or place an order today: 357-2648. 6-I:X
FOR SALE: BARGAIN PRICING on 14 to 100 foot Bridges, 8 to 36 inch I Beams, and 12 to 24-inch pipe. Contact Ed 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/ 7-I:X
Northern Acres Appraisal Service: Know what it’s worth! Call or email Ernest Goettlich, Certified General Real Estate Appraiser at 942-0419 or email firstname.lastname@example.org. 12-I
For Sale: 417 9TH ST, HAVRE. This great Historical home is one of a kind in Havre. Its unique design has ample room with an abundance of light. It boasts a private backyard, double garage. New siding and windows. Updated plumbing and electrical. New furnace, water heater and AC unit. Original hard wood floors and Kitchen has been updated with hickory cabinets and Stainless steel appliances. Price Reduced $199,500. Call Property West, 406-262-3035 12-II
For Sale: 529 12TH AVE. HAVRE. Great family home, spacious living area and yard. Beautiful original hardwood floors, New Stainless steel appliances. Many updates,. Clean updated and ready to move into. Price Reduced $165,000. Call Property West, 406-262-3035. 1-I
For Sale: Artwork by Howard Terpning, the foremost painter of Native American related material. See Montana’s largest display of Terpning art at Big Sky Images & Collectibles in the Havre Holiday Village Mall. 406-399-6522. 11-?
Rudyard Community and Gildford Senior Centers have their menus available on the Rudyard Community Facebook page. Call Rudyard Center (355-4240) or the Gildford Center (376-3170) to schedule meals.
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