Bill Zortman brings entrepreneurs and community and state leaders together to talk about business.

It's Your Business

April 28, 2026 10AM - SD Farm Bureau Town & Country Show

May 4, 2026—10-11—It’s YOUR Agri Business—Show 51-90

(((From the Blackburn Studios in Downtown Sioux Falls—BECOME a Blackburn PROTECTED HOME—

((((MUSIC---THIS OLE HOUSE))))

 

(((YEE HAH----I’m Bill Zortman and WELCOME to the Farm---and all that goes with the show----for May 4th -----

 

   One of those that asked to be in the show this morning is Congressman Dusty Johnson----

 

   Mr. Congressman---house passed a farm bill---and the hope is that the Senate will do the same

 

Taped 8:30---Congressman Johnson------bill passes house—farm bill—what it means—and the truth about the taxes---

 

----------we appreciate Dusty joining us this morning---

 

--------one of those that is helping us understand what is being said about taxes---is Casey Crabtree----

---------------four candidates—all barking different directions---

 

------------talk us thru all the political talk and where we are going---with the 4 Republican candidates for governor—and what do you see the language will be like---going to the home primary steps---

 

-----------------Casey-----------------

-------------other political panderings we should be following----

-----------------Casey-----------------

Casey Crabtree—thanks for the interruptations---they are indeed needed---

 

Still lots to talk about---we’ll share what Chuck Sutton—Mr. Auction has to say next before we tap into banking---and morning numbers—and later the Rock Report---

 

10:18/00—KELO Commercials

10:19/30---Ag Business 2

----Plains Commerce Bank joins us—for a little advise this morning—we visit with them and count on them in many directions---

 Joinings us it is Noel or -----but help us this morning to understand where we are –and where we are going---

 

--------------Noel or Plains------------

   Whether you are in busy—agriculture---a bit older—or just getting started—Plains Commerce has helped a lot of the people we deal with and we appreciate you---

 

----------Sarah Heinrich has the Growing Harvest Network----from KFGO in Fargo---

 

10:25/00—Sarah—Growing Harvest Network

10:2730----KELO Commercials

10:30/00---Fox biz News

10:32/00---Ag Business 3

---we start this segment with Matt Swenson---Swenson Commodities---with the latest numbers from Wall Street to a field in South Dakota

 

------------Matt---------Commodities------------

--people with questions---how do they reach you---

-----------thanks for your visit---0

 

We like to take a little time with Lorick Pirlet----who wants to explain what an FFA State Officer does---what she wants to accomplish during her year of service—how the process of being elected works---

 

-----------Lorick---

   Thanks for all the work ---FFA and you do----and we’ll continue to visit—thru the rest of the year----

 

   The Rock Report is next---

10:42/00—KELO Commercials

10:43/30---Rock Report

This coming Monday, May 4th at approximately 10:45 A.M. – CST I will be interviewing via telephone  Eric Johnson – Global Team Leader-Franchising/Executive Secretary of the Georgia District Export Council – Atlanta, Georgia.

 

What services does your organization provide?
How big of an area does your organization cover?  All of Georgia?  Portions of our neighboring states?
   How many clients belong to your organization and overall, what do they specialize in?
Why are your organization's services better than what your competitors' have to offer?
What do your various staff members specialize in?
Is your organization growing?  And if so, why?
 What is your vision and what direction do you anticipate your organization to be within the next few years?
   What is your organization’s website?

 

----Mr Tree---John Ball----

 

10:54/00-KELO Commercials---

10:55/30—Farm 5

---Laura Edwards

---Justin Glisin

 

Our time is up—thank you for yours… 

May 4, 2026&mdash;10-11&mdash;It&rsquo;s YOUR Agri Business&mdash;Show 51-90
(((From the Blackburn Studios in Downtown Sioux Falls&mdash;BECOME a Blackburn PROTECTED HOME&mdash;
((((MUSIC---THIS OLE HOUSE))))
&nbsp;
(((YEE HAH----I&rsquo;m Bill Zortman and WELCOME to the Farm---and all that goes with the show----for May 4th&nbsp;-----
&nbsp;
&nbsp;&nbsp; One of those that asked to be in the show this morning is Congressman Dusty Johnson----
&nbsp;
&nbsp;&nbsp; Mr. Congressman---house passed a farm bill---and the hope is that the Senate will do the same
&nbsp;
Taped 8:30---Congressman Johnson------bill passes house&mdash;farm bill&mdash;what it means&mdash;and the truth about the taxes---
&nbsp;
----------we appreciate Dusty joining us this morning---
&nbsp;
--------one of those that is helping us understand what is being said about taxes---is Casey Crabtree----
---------------four candidates&mdash;all barking different directions---
&nbsp;
------------talk us thru all the political talk and where we are going---with the 4 Republican candidates for governor&mdash;and what do you see the language will be like---going to the home primary steps---
&nbsp;
-----------------Casey-----------------
-------------other political panderings we should be following----
-----------------Casey-----------------
Casey Crabtree&mdash;thanks for the interruptations---they are indeed needed---
&nbsp;
Still lots to talk about---we&rsquo;ll share what Chuck Sutton&mdash;Mr. Auction has to say next before we tap into banking---and morning numbers&mdash;and later the Rock Report---
&nbsp;
10:18/00&mdash;KELO Commercials
10:19/30---Ag Business 2
----Plains Commerce Bank joins us&mdash;for a little advise this morning&mdash;we visit with them and count on them in many directions---
&nbsp;Joinings us it is Noel or -----but help us this morning to understand where we are &ndash;and where we are going---
&nbsp;
--------------Noel or Plains------------
&nbsp;&nbsp; Whether you are in busy&mdash;agriculture---a bit older&mdash;or just getting started&mdash;Plains Commerce has helped a lot of the people we deal with and we appreciate you---
&nbsp;
----------Sarah Heinrich has the Growing Harvest Network----from KFGO in Fargo---
&nbsp;
10:25/00&mdash;Sarah&mdash;Growing Harvest Network
10:2730----KELO Commercials
10:30/00---Fox biz News
10:32/00---Ag Business 3
---we start this segment with Matt Swenson---Swenson Commodities---with the latest numbers from Wall Street to a field in South Dakota
&nbsp;
------------Matt---------Commodities------------
--people with questions---how do they reach you---
-----------thanks for your visit---0
&nbsp;
We like to take a little time with Lorick Pirlet----who wants to explain what an FFA State Officer does---what she wants to accomplish during her year of service&mdash;how the process of being elected works---
&nbsp;
-----------Lorick---
&nbsp;&nbsp; Thanks for all the work ---FFA and you do----and we&rsquo;ll continue to visit&mdash;thru the rest of the year----
&nbsp;
&nbsp;&nbsp; The Rock Report is next---
10:42/00&mdash;KELO Commercials
10:43/30---Rock Report
This coming Monday, May 4th at approximately 10:45 A.M. &ndash; CST I will be interviewing via telephone&nbsp; Eric Johnson &ndash; Global Team Leader-Franchising/Executive Secretary of the Georgia District Export Council &ndash; Atlanta, Georgia.
&nbsp;
What services does your organization provide?
<ul>
<li>How big of an area does your organization cover?&nbsp; All of&nbsp;Georgia?&nbsp; Portions of our neighboring states?</li>
<li> &nbsp;&nbsp;How many clients belong to your organization and overall, what do they specialize in?</li>
<li>Why are your organization's services better than what your competitors' have to offer? What do your various staff members specialize in?</li>
<li>Is your organization growing?&nbsp; And if so, why? &nbsp;What is your vision and what direction do you anticipate your organization to be within the next few years? &nbsp; &nbsp;What is your organization&rsquo;s website?</li>
</ul>
&nbsp;
----Mr Tree---John Ball----
&nbsp;
10:54/00-KELO Commercials---
10:55/30&mdash;Farm 5
---Laura Edwards
---Justin Glisin
&nbsp;
Our time is up&mdash;thank you for yours&hellip;&nbsp;

May 4, 2026 10AM - It's Your Agri Business with Bill Zortman

May 4, 2026—9-10---The Report Card Show---Show 51-89

(((FROM THE BLACKBURN STUDIOS in Downtown Sioux Falls—Become a BLACKBURN PROTECTED HOME---

--((((MUSIC---This OLE HOUSE))))

(((YEE HAH---I’m Bill Zortman and Welcome to our Report Card show for May-----in our It’s YOUR Business Series

  We’ve completed the first four months of 2026----and we have the numbers from Neil King---who is always---on the spot when we do this show on the first Monday of the month---

  So is our Tony Bachman-------

----------what I’m seeing for the first 4 months of 2026---is a strong market---

   Gentlemen---talk to us about what you see---which some people may be surprised that even though 2026---is getting high marks---they are not quite as good as 2024 and 2025---

                                                   1753-2024       1599-2025-----1579--2026

Total Value of Permits Issued   $301,302,201  $347,573,963  $297,513,242 New Residential-------------------------$53.1 M---------$58.1 M--------$46.6 M

Residential Addition & Remodel---$23.8 M---------$23.8 M--------$24.5 M

New Commercial-----------------------$169.5 M--------$143.3 M------$139.2 M

Commercial Addition $ Remodel---$54.9 M--------$122.4 M--------$86.7 M

 

New Commercial-------------------------2024--------------2025--------------2026

Manufacturing---------------------------$27.7 M----------$41.1 M-----------$9.3 M

Office, Institutional, Educational---$1.3 M------------$5.7 M-----------$8.6 M

Apartments-------------------------------$41.4 M----------$28.1 M---------$46.1 M

 

New Residential-------------------------2024---------------2025------------2026

Single Family Units----------------------148-----------------113-------------116

Townhome Units--------------------------- 48------------------91---------------44

Multi-Family Units------------------------388-----------------265-------------270

--------------Neil King----------------Tony Bachman---------
Affordability and timing

o    Prices are still rising modestly, so “waiting for a crash” has not paid off so far in Sioux Falls; instead, values have continued a slow climb.
Leverage and negotiation

o    Compared with the pandemic peak, buyers often have more negotiating power now: in many cases there is at least a bit more inventory and fewer extreme bidding wars than 2021–22.

o    That can mean more room for inspections, seller concessions, or repairs, especially on homes that are not “cream of the crop” or that have been sitting slightly longer.
Local resources and prep

o    First-time buyers here can tap into education and counseling through the Sioux Empire Housing Partnership, which covers budgeting, credit, pre-approval, working with a realtor and lender, and down payment programs.
Practical tips you can share

o    Get fully underwritten pre-approval before shopping; in a market where, good homes still move quickly, this is the ticket to winning when the right home appears.

o    Be realistic about wish lists: with limited inventory in some price bands, prioritize the big three (location, budget, core layout) and be flexible on cosmetics.

What sellers need to know about our current market.
Pricing and days on market 
Condition and presentation
Marketing and launch
Seller homework

 

----------Trends you are seeing----

----------Teddi Mueller---is with us from the Home Builders---what’s the words you are seeing---and what you expect –now that we are in month 5-----what the next four months will mean---when we check the statistics to start month number 9 in September----

-----------Lots more to talk about today---with the May Report Card Show—stay with us---

9:18/00—KELO Commercials

9:19/30---Report Card show 2

----------welcome back to our May Report Card show---we’ve had a look the figures for the first 4 months of 2026---in some areas—they are steady—but not as steady as those for 2024 and 2025---

----lets get some opinions---on what people coming to Sioux Falls and surrounding areas are looking for----

------------Teddi---Tony---------Neil----and TBA

 

----------when we come back—we’ll check the bankers---and what they are seeing—now that we are 4 days into the merry merry month of May

9:29/00—KELO Commercials

9:31/00---fox news, business news

9:33/00---Report Card Show 3

Dave and KELLY KELLY –help us in so many ways in this segment
Upcoming condo changes for conventional loans and review the other financing options for condos as they are becoming extremely limited and/or expensive
March Insurance changes---insurance coverage for roof is changing from Replacement value to insured—the rest of master policy must equal 10% replacement cost of all improvements including common elements and residential structures
HOS Coverage changing to deductible of 5% of the policy’s coverage or $2500. Any specific peril outlined in the master policy must also be outlined in HO6 Coverage.
Maximum allowable deductible is $50K per unit in the Master Policy
Effective August 3—there will no longer be a limited review option. All condos will require a full review to include reviewing the questionnaire. Master policy, financials, reserve study, delinquency data and meeting minutes. Additional fees will be charged by management companies to provide the additional documents and it is very difficult to be fully approved as a condo development.
The minimum reserve allocation for capital expenditures and deferred maintenance will be changing from 10 to 15%. This is a 50% increase and will require increased HOA fees and Associations should implement immediately to be able to demonstrate that amount in reserve. Yes one more step that will make it harder for condo’s to be approved.
FHA Condo purchased must be FHA approved-there are only 2 condo projected approved by FHA in Sioux Falls
Non-warrantable condos require 20% down and have a higher rate.
Fairway has over 15 lenders we can deliver these loans too—JUST ASK!!

---still to come—we’ll check with Todd Boots---and a few of the others that can talk us thru the important stuff in the field---now that we have turned the corner---in 2026---with all that is needed—

9:46/00—KELO Commercials

9:47/30---Report Card Show

Todd Boots has joined us---and we like to hear as well from a number of our vendors and merchants that are out there---they see a side of the building and repairs others of us don’t see----

--------what are you seeing out there---with those needing builders—repair stuff---and everything else that keeps the best we can be with our buildings---our livestock----and yes all that is so important---

strategy matter more than ever.

Buyers need to know about our current market. Tony Bachman explained earlier

1     Affordability and timing

o    Prices are still rising modestly, so “waiting for a crash” has not paid off so far in Sioux Falls; instead, values have continued a slow climb.

              2Leverage and negotiation

o    Compared with the pandemic peak, buyers often have more negotiating power now: in many cases there is at least a bit more inventory and fewer extreme bidding wars than 2021–22.

o    That can mean more room for inspections, seller concessions, or repairs, especially on homes that are not “cream of the crop” or that have been sitting slightly longer.

     3.Local resources and prep

o    First-time buyers here can tap into education and counseling through the Sioux Empire Housing Partnership, which covers budgeting, credit, pre-approval, working with a realtor and lender, and down payment programs.

----4-----Practical tips you can share

o    Get fully underwritten pre-approval before shopping; in a market where, good homes still move quickly, this is the ticket to winning when the right home appears.

o    Be realistic about wish lists: with limited inventory in some price bands, prioritize the big three (location, budget, core layout) and be flexible on cosmetics.

What sellers need to know about our current market.
Pricing and days on market 
Condition and presentation
Marketing and launch
Seller homework

------------and-------------------

--we’ll get you ready for the AG Business Show---with reports from auctions and Lincoln County..all coming at 10:06 this morning---

9:55/30—KELO Commercials

9:57/00---Report Card Show wrap

Mr. Auction---Chuck Sutton—and Lincoln County Jim Schmidt

Our time is up-thank you for yours… 

 

May 4, 2026&mdash;9-10---The Report Card Show---Show 51-89
(((FROM THE BLACKBURN STUDIOS in Downtown Sioux Falls&mdash;Become a BLACKBURN PROTECTED HOME---
--((((MUSIC---This&nbsp;OLE HOUSE))))
(((YEE HAH---I&rsquo;m Bill Zortman and Welcome to our Report Card show for May-----in our It&rsquo;s YOUR Business Series
&nbsp; We&rsquo;ve completed the first four months of 2026----and we have the numbers from Neil King---who is always---on the spot when we do this show on the first Monday of the month---
&nbsp; So is our Tony Bachman-------
----------what I&rsquo;m seeing for the first 4 months of 2026---is a strong market---
&nbsp;&nbsp; Gentlemen---talk to us about what you see---which some people may be surprised that even though 2026---is getting high marks---they are not quite as good as 2024 and 2025---
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1753-2024&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1599-2025-----1579--2026
Total Value of Permits Issued&nbsp;&nbsp; $301,302,201&nbsp; $347,573,963&nbsp; $297,513,242 New Residential-------------------------$53.1 M---------$58.1 M--------$46.6 M
Residential Addition &amp; Remodel---$23.8 M---------$23.8 M--------$24.5 M
New Commercial-----------------------$169.5 M--------$143.3 M------$139.2 M
Commercial Addition $ Remodel---$54.9 M--------$122.4 M--------$86.7 M
&nbsp;
New Commercial-------------------------2024--------------2025--------------2026
Manufacturing---------------------------$27.7 M----------$41.1 M-----------$9.3 M
Office, Institutional, Educational---$1.3 M------------$5.7 M-----------$8.6 M
Apartments-------------------------------$41.4 M----------$28.1 M---------$46.1 M
&nbsp;
New Residential-------------------------2024---------------2025------------2026
Single Family Units----------------------148-----------------113-------------116
Townhome Units--------------------------- 48------------------91---------------44
Multi-Family Units------------------------388-----------------265-------------270
--------------Neil King----------------Tony Bachman---------
<ol>
<li>Affordability and timing</li>
</ol>
o&nbsp;&nbsp;&nbsp;&nbsp;Prices are still rising modestly, so &ldquo;waiting for a crash&rdquo; has not paid off so far in Sioux Falls; instead, values have continued a slow climb.
<ol>
<li>Leverage and negotiation</li>
</ol>
o&nbsp;&nbsp;&nbsp;&nbsp;Compared with the pandemic peak, buyers often have more negotiating power now: in many cases there is at least a bit more inventory and fewer extreme bidding wars than 2021&ndash;22.
o&nbsp;&nbsp;&nbsp;&nbsp;That can mean more room for inspections, seller concessions, or repairs, especially on homes that are not &ldquo;cream of the crop&rdquo; or that have been sitting slightly longer.
<ol>
<li>Local resources and prep</li>
</ol>
o&nbsp;&nbsp;&nbsp;&nbsp;First-time buyers here can tap into education and counseling through the Sioux Empire Housing Partnership, which covers budgeting, credit, pre-approval, working with a realtor and lender, and down payment programs.
<ol>
<li>Practical tips you can share</li>
</ol>
o&nbsp;&nbsp;&nbsp;&nbsp;Get fully underwritten pre-approval before shopping; in a market where, good homes still move quickly, this is the ticket to winning when the right home appears.
o&nbsp;&nbsp;&nbsp;&nbsp;Be realistic about wish lists: with limited inventory in some price bands, prioritize the big three (location, budget, core layout) and be flexible on cosmetics.
What sellers need to know about our current market.
<ol>
<li>Pricing and days on market&nbsp;</li>
<li>Condition and presentation</li>
<li>Marketing and launch</li>
<li>Seller homework</li>
</ol>
&nbsp;
----------Trends you are seeing----
----------Teddi Mueller---is with us from the Home Builders---what&rsquo;s the words you are seeing---and what you expect &ndash;now that we are in month 5-----what the next four months will mean---when we check the statistics to start month number 9 in September----
-----------Lots more to talk about today---with the May Report Card Show&mdash;stay with us---
9:18/00&mdash;KELO Commercials
9:19/30---Report Card show 2
----------welcome back to our May Report Card show---we&rsquo;ve had a look the figures for the first 4 months of 2026---in some areas&mdash;they are steady&mdash;but not as steady as those for 2024 and 2025---
----lets get some opinions---on what people coming to Sioux Falls and surrounding areas are looking for----
------------Teddi---Tony---------Neil----and TBA
&nbsp;
----------when we come back&mdash;we&rsquo;ll check the bankers---and what they are seeing&mdash;now that we are 4 days into the merry merry month of May
9:29/00&mdash;KELO Commercials
9:31/00---fox news, business news
9:33/00---Report Card Show 3
Dave and KELLY KELLY &ndash;help us in so many ways in this segment
<ul>
<li>Upcoming condo changes for conventional loans and review the other financing options for condos as they are becoming extremely limited and/or expensive</li>
<li>March Insurance changes---insurance coverage for roof is changing from Replacement value to insured&mdash;the rest of master policy must equal 10% replacement cost of all improvements including common elements and residential structures</li>
<li>HOS Coverage changing to deductible of 5% of the policy&rsquo;s coverage or $2500. Any specific peril outlined in the master policy must also be outlined in HO6 Coverage.</li>
<li>Maximum allowable deductible is $50K per unit in the Master Policy</li>
<li>Effective August 3&mdash;there will no longer be a limited review option. All condos will require a full review to include reviewing the questionnaire. Master policy, financials, reserve study, delinquency data and meeting minutes. Additional fees will be charged by management companies to provide the additional documents and it is very difficult to be fully approved as a condo development.</li>
<li>The minimum reserve allocation for capital expenditures and deferred maintenance will be changing from 10 to 15%. This is a 50% increase and will require increased HOA fees and Associations should implement immediately to be able to demonstrate that amount in reserve. Yes one more step that will make it harder for condo&rsquo;s to be approved.</li>
<li>FHA Condo purchased must be FHA approved-there are only 2 condo projected approved by FHA in Sioux Falls</li>
<li>Non-warrantable condos require 20% down and have a higher rate.</li>
<li>Fairway has over 15 lenders we can deliver these loans too&mdash;JUST ASK!!</li>
</ul>
---still to come&mdash;we&rsquo;ll check with Todd Boots---and a few of the others that can talk us thru the important stuff in the field---now that we have turned the corner---in 2026---with all that is needed&mdash;
9:46/00&mdash;KELO Commercials
9:47/30---Report Card Show
Todd Boots has joined us---and we like to hear as well from a number of our vendors and merchants that are out there---they see a side of the building and repairs others of us don&rsquo;t see----
--------what are you seeing out there---with those needing builders&mdash;repair stuff---and everything else that keeps the best we can be with our buildings---our livestock----and yes all that is so important---
strategy matter more than ever.
Buyers need to know about our current market. Tony Bachman explained earlier
1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Affordability and timing
o&nbsp;&nbsp;&nbsp;&nbsp;Prices are still rising modestly, so &ldquo;waiting for a crash&rdquo; has not paid off so far in Sioux Falls; instead, values have continued a slow climb.
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2Leverage and negotiation
o&nbsp;&nbsp;&nbsp;&nbsp;Compared with the pandemic peak, buyers often have more negotiating power now: in many cases there is at least a bit more inventory and fewer extreme bidding wars than 2021&ndash;22.
o&nbsp;&nbsp;&nbsp;&nbsp;That can mean more room for inspections, seller concessions, or repairs, especially on homes that are not &ldquo;cream of the crop&rdquo; or that have been sitting slightly longer.
&nbsp;&nbsp;&nbsp;&nbsp; 3.Local resources and prep
o&nbsp;&nbsp;&nbsp;&nbsp;First-time buyers here can tap into education and counseling through the Sioux Empire Housing Partnership, which covers budgeting, credit, pre-approval, working with a realtor and lender, and down payment programs.
----4-----Practical tips you can share
o&nbsp;&nbsp;&nbsp;&nbsp;Get fully underwritten pre-approval before shopping; in a market where, good homes still move quickly, this is the ticket to winning when the right home appears.
o&nbsp;&nbsp;&nbsp;&nbsp;Be realistic about wish lists: with limited inventory in some price bands, prioritize the big three (location, budget, core layout) and be flexible on cosmetics.
What sellers need to know about our current market.
<ol>
<li>Pricing and days on market&nbsp;</li>
<li>Condition and presentation</li>
<li>Marketing and launch</li>
<li>Seller homework</li>
</ol>
------------and-------------------
--we&rsquo;ll get you ready for the AG Business Show---with reports from auctions and Lincoln County..all coming at 10:06 this morning---
9:55/30&mdash;KELO Commercials
9:57/00---Report Card Show wrap
Mr. Auction---Chuck Sutton&mdash;and Lincoln County Jim Schmidt
Our time is up-thank you for yours&hellip;&nbsp;
&nbsp;

April 28, 2026 10AM - SD Farm Bureau Town & Country Show

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