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

It's Your Business

April 29, 2026 10AM - It's Your Agri Business with Bill Zortman

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;

May 4, 2026 9AM - It's Your Business - The Report Card Show

April 29, 2026---9-10---Working on Wellness Wednesday—Show 51-88

((((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 Working on Wellness Wednesday Show---Show 51-87—In our It’s OUR Business Series.

 

  Wellness is a Big Deal---and at the suggestion from those in medical circles we have taken the middle of the week’s 9-10 Show—to share Working on Wellness Wednesday----

 

  The healthy show we have of the 8 that we do in a normal week.

   Joe Kippley share with us from the Community Health Center Conference in Rapid City what you are expecting---and the importance it will be all across South Dakota—and particularly those of us in Sioux Falls—and East side----

 

------------Joe----------------

   As I understand it—the conference in Rapid City is for community health centers from Wyoming, North and South Dakota----

 

   Key area of collaboration---how we can save costs across our communities for health care---

   There will be sharing of best practices to improve clinical quality

    Looking at the best ways to spend Rural Health Transformation grant funding----

 

   -----------------Joe-------------

    What were your hopes going to this REGIONAL CONFERENCE on what you can learn---and what kind of difference working together could have for our communities and region-wide---

--------------------Joe-------------

     Joe we ---if you can---to give us an update on the conference between now and the end of our 10:00 (central time Show)

 

   Thanks for joining us----

======we’ll check with the head of the South Dakota med school---on what he is working on----and his hopes for not only the conference going on now in Rapid City---but for those med students in classes here in East River---

 

9:16/30---KELO Commercials

9:18/00---Wellness Wednesday 2

 

   Dr. Tim Ridgway is a frequent guest on our show---and we enjoy as does our audience having some of his med students join us –tell us what they are doing—what they will be---and why the chose medicine-----

 

Ellie Blue is joining us this morning----and she will be talking about
Her 4-year journey in med school
Her coupled match with her husband—Mason
Where she hopes her career takes her---and what her ambitions are
As Dr. Ridgway shared---Ellie is well spoken –and will be a good interview this morning…

 

-----------------Ellie---thanks for choosing medicine—and joining us please stay and touch as you get out into the medical world—doing the best to take care of your patients need---

 

 

  --------just ahead—Joshua Jorde---chiropractor worth working with following Fox Business News

 

9:28/00—KELO Commercials

9:29/30---Wellness Wednesday 3

  Welcome back to our Working on Wellness Wednesday---Dr. Joshua Jordee—comes calling once a month or so---and his advise as our listeners tells us—is practical and useful---

 

   Dr. Jordee—welcome back to our show

 

   People injure themselves all throughout the year and most of the injuries are done in or around the

home. Working out, cleaning house, moving, packing, gardening, etc. But what about those injuries that happen at work?

   A lot of people don’t like to use workman’s compensation unless an injury is extremely severe and I think that at least part of that is due to not knowing how it works. It can be used for any injury that occurs on the job or at the worksite (including slipping in the parking lot) that isn’t the result of one-s own clear failure to adhere to regulations. Those OSHA manuals exist for a reason, after all.

    However, one very important thing to know in South Dakota, at least, is that who you go to first is both entirely up to the employee and also can get locked in by your employer. An employee who goes to a medical doctor or other doctor recommended by their employer is going to have to stay with that physician unless they get written approval by their employer to change providers or are referred to a specialist.

    While the employee is required to inform their employer of which physician they want to go to either before or as soon as possible after initial treatment, they are not required to go to any physician

recommended by their employer.

    Because of this, some individuals may want to seek chiropractic care for their injury whether from a chiropractor they are already familiar with or for the first time, but going to a medical doctor first could keep the employee locked in. However, employees are allowed to seek a second opinion without the employers approval, though at their own expense.

   It’s also important to note, because some people are unwilling to avail themselves of worker’s compensation, that if you decide significantly after the fact, especially because a condition has worsened, to make use of it, you could run into denials, at least in part. An employer is, understandably, not responsible for a condition worsening, even if it was very obviously from a work injury, if the employee doesn’t take timely steps to correct it or at least prevent it from worsening.

Of course, it’s for the best for anybody regardless of where, when, or how an injury came to be, to get it checked and taken care of before it gets worse. However, in an instance where somebody else is responsible such as a work injury or other personal injury case like an auto accident, it’s even more imperative to not leave a problem alone until it gets worse or you may end up responsible not just for the exacerbation, but even have an uphill battle proving the initial severity of the injury too long after the fact.

So if you have an injury, don’t leave it alone longer and let it worsen. As always if you need a chiropractor I can recommend three good ones at Jorde Chiropractic Clinic at 2821 S Center Ave. 605-33- 0880

   Dr. Joshua Jorde—thanks for the visit-----

 

One more stop in our Working on Wellness Wednesday—please come right back

 

9:44/00—KELO Commercials

9:45/30---Wellness Wednesday 4

  Sioux Valley Energy---and Safety Awareness---

 

Sioux Valley Energy and Southeastern Electric, touchstone Energy Cooperatives SVE Mission Statement

 

Planting season, farmers and ag producers are heading to the fields—

  Be aware of clearance above and below

  What should someone do if there is contact with power lines or facilities

---------stay in vehicle

---------call 911

---------If there is a fire—jump clear without touching the vehicle and shuffle-hop for 40 feet

-----in construction season----call 811 before you dig

-----What to do once facilities/lines are located

-----hand-dig around mark lines

----National Work Zone Awareness week—April 20-24th---2026

---SVE and Southeastern Electric Cooperatives are promoting Driving Safety—starting with mid April through Memorial Day weekend

----Keep hands on the wheel—eyes on the road—distractions to the side

----be aware of work zones

 

---we often see power lines delivering electricity to our farms and businesses –just how powerful are those lines?

---what is the number one thing farmers can do to avoid contacting powerlines?

----what should a farm if a powerline, pole or green box is hit  

 

 

-----------

----------We’ll get you ready for our 10:00---It’s YOUR Agri Business Show----when we come back---

 

9:55/00—KELO Commercials

9:56/30---Wellness Wednesday----

  Good to have our guests in our Working on Wellness Wednesday show—quite the cross-section---and our audience tells us—they enjoy listening because It gives us a difference prospect of that medical treatment that is so important with us----

 

  10:00 hour this morning---Yes the Agri Business Show---is coming next…

 

  ---a reminder that both Norm Anderson who makes sure you can hear our show—and gets out the written blog and more---is taking Thursday and Friday off---so I was asked if I would be willing---to take a couple of my days---Thursday and Friday as well----

 

  My wife said yes quicker than I did ---so we will be back after some important family duties today—and thru the weekend.

 

  For now –our time is up—thank you for yours….

 

April 29, 2026---9-10---Working on Wellness Wednesday&mdash;Show 51-88
((((From the Blackburn Studios in Downtown Sioux Falls&mdash;Become&nbsp; a Blackburn PROTECTED&nbsp; HOME....
(((MUSIC---THIS OLE HOUSE))))
&nbsp;
(((YEE HAH&mdash;I&rsquo;m Bill Zortman&nbsp;and Welcome to our Working on Wellness Wednesday Show---Show 51-87&mdash;In our It&rsquo;s OUR Business Series.
&nbsp;
&nbsp; Wellness is a Big Deal---and at the suggestion from those in medical circles we have taken the middle of the week&rsquo;s 9-10 Show&mdash;to share Working on Wellness Wednesday----
&nbsp;
&nbsp; The healthy show we have of the 8 that we do in a normal week.
&nbsp;&nbsp; Joe Kippley share with us from the Community Health Center Conference in Rapid City what you are expecting---and the importance it will be all across South Dakota&mdash;and particularly those of us in Sioux Falls&mdash;and East side----
&nbsp;
------------Joe----------------
&nbsp;&nbsp; As I understand it&mdash;the conference in Rapid City is for community health centers from Wyoming, North and South Dakota----
&nbsp;
&nbsp;&nbsp; Key area of collaboration---how we can save costs across our communities for health care---
&nbsp;&nbsp; There will be sharing of best practices to improve clinical quality
&nbsp;&nbsp;&nbsp; Looking at the best ways to spend Rural Health Transformation grant funding----
&nbsp;
&nbsp;&nbsp; -----------------Joe-------------
&nbsp;&nbsp;&nbsp; What were your hopes going to this REGIONAL CONFERENCE on what you can learn---and what kind of difference working together could have for our communities and region-wide---
--------------------Joe-------------
&nbsp;&nbsp;&nbsp;&nbsp; Joe we ---if you can---to give us an update on the conference between now and the end of our 10:00 (central time Show)
&nbsp;
&nbsp;&nbsp; Thanks for joining us----
======we&rsquo;ll check with the head of the South Dakota med school---on what he is working on----and his hopes for not only the conference going on now in Rapid City---but for those med students in classes here in East River---
&nbsp;
9:16/30---KELO Commercials
9:18/00---Wellness Wednesday 2
&nbsp;
&nbsp;&nbsp; Dr. Tim Ridgway is a frequent guest on our show---and we enjoy as does our audience having some of his med students join us &ndash;tell us what they are doing&mdash;what they will be---and why the chose medicine-----
&nbsp;
Ellie Blue is joining us this morning----and she will be talking about
<ul>
<li>Her 4-year journey in med school</li>
<li>Her coupled match with her husband&mdash;Mason</li>
<li>Where she hopes her career takes her---and what her ambitions are</li>
<li>As Dr. Ridgway shared---Ellie is well spoken &ndash;and will be a good interview this morning&hellip;</li>
</ul>
&nbsp;
-----------------Ellie---thanks for choosing medicine&mdash;and joining us please stay and touch as you get out into the medical world&mdash;doing the best to take care of your patients need---
&nbsp;
&nbsp;
&nbsp; --------just ahead&mdash;Joshua Jorde---chiropractor worth working with following Fox Business News
&nbsp;
9:28/00&mdash;KELO Commercials
9:29/30---Wellness Wednesday 3
&nbsp; Welcome back to our Working on Wellness Wednesday---Dr. Joshua Jordee&mdash;comes calling once a month or so---and his advise as our listeners tells us&mdash;is practical and useful---
&nbsp;
&nbsp;&nbsp; Dr. Jordee&mdash;welcome back to our show
&nbsp;
&nbsp;&nbsp; People injure themselves all throughout the year and most of the injuries are done in or around the
home. Working out, cleaning house, moving, packing, gardening, etc. But what about those injuries that happen at work?
&nbsp;&nbsp; A lot of people don&rsquo;t like to use workman&rsquo;s compensation unless an injury is extremely severe and I think that at least part of that is due to not knowing how it works. It can be used for any injury that occurs on the job or at the worksite (including slipping in the parking lot) that isn&rsquo;t the result of one-s own clear failure to adhere to regulations. Those OSHA manuals exist for a reason, after all.
&nbsp;&nbsp; &nbsp;However, one very important thing to know in South Dakota, at least, is that who you go to first is both entirely up to the employee and also can get locked in by your employer. An employee who goes to a medical doctor or other doctor recommended by their employer is going to have to stay with that physician unless they get written approval by their employer to change providers or are referred to a specialist.
&nbsp;&nbsp;&nbsp; While the employee is required to inform their employer of which physician they want to go to either before or as soon as possible after initial treatment, they are not required to go to any physician
recommended by their employer.
&nbsp;&nbsp;&nbsp; Because of this, some individuals may want to seek chiropractic care for their injury whether from a chiropractor they are already familiar with or for the first time, but going to a medical doctor first could keep the employee locked in. However, employees are allowed to seek a second opinion without the employers approval, though at their own expense.
&nbsp;&nbsp; It&rsquo;s also important to note, because some people are unwilling to avail themselves of worker&rsquo;s compensation, that if you decide significantly after the fact, especially because a condition has worsened, to make use of it, you could run into denials, at least in part. An employer is, understandably, not responsible for a condition worsening, even if it was very obviously from a work injury, if the employee doesn&rsquo;t take timely steps to correct it or at least prevent it from worsening.
Of course, it&rsquo;s for the best for anybody regardless of where, when, or how an injury came to be, to get it checked and taken care of before it gets worse. However, in an instance where somebody else is responsible such as a work injury or other personal injury case like an auto accident, it&rsquo;s even more imperative to not leave a problem alone until it gets worse or you may end up responsible not just for the exacerbation, but even have an uphill battle proving the initial severity of the injury too long after the fact.
So if you have an injury, don&rsquo;t leave it alone longer and let it worsen. As always if you need a chiropractor I can recommend three good ones at Jorde Chiropractic Clinic at 2821 S Center Ave. 605-33- 0880
&nbsp;&nbsp; Dr. Joshua Jorde&mdash;thanks for the visit-----
&nbsp;
One more stop in our Working on Wellness Wednesday&mdash;please come right back
&nbsp;
9:44/00&mdash;KELO Commercials
9:45/30---Wellness Wednesday 4
&nbsp; Sioux Valley Energy---and Safety Awareness---
&nbsp;
Sioux Valley Energy and Southeastern Electric, touchstone Energy Cooperatives SVE Mission Statement
&nbsp;
Planting season, farmers and ag producers are heading to the fields&mdash;
&nbsp; Be aware of clearance above and below
&nbsp; What should someone do if there is contact with power lines or facilities
---------stay in vehicle
---------call 911
---------If there is a fire&mdash;jump clear without touching the vehicle and shuffle-hop for 40 feet
-----in construction season----call 811 before you dig
-----What to do once facilities/lines are located
-----hand-dig around mark lines
----National Work Zone Awareness week&mdash;April 20-24th---2026
---SVE and Southeastern Electric Cooperatives are promoting Driving Safety&mdash;starting with mid April through Memorial Day weekend
----Keep hands on the wheel&mdash;eyes on the road&mdash;distractions to the side
----be aware of work zones
&nbsp;
---we often see power lines delivering electricity to our farms and businesses &ndash;just how powerful are those lines?
---what is the number one thing farmers can do to avoid contacting powerlines?
----what should a farm if a powerline, pole or green box is hit&nbsp;&nbsp;
&nbsp;
&nbsp;
-----------
----------We&rsquo;ll get you ready for our 10:00---It&rsquo;s YOUR Agri Business Show----when we come back---
&nbsp;
9:55/00&mdash;KELO Commercials
9:56/30---Wellness Wednesday----
&nbsp; Good to have our guests in our Working on Wellness Wednesday show&mdash;quite the cross-section---and our audience tells us&mdash;they enjoy listening because It gives us a difference prospect of that medical treatment that is so important with us----
&nbsp;
&nbsp; 10:00 hour this morning---Yes the Agri Business Show---is coming next&hellip;
&nbsp;
&nbsp; ---a reminder that both Norm Anderson who makes sure you can hear our show&mdash;and gets out the written blog and more---is taking Thursday and Friday off---so I was asked if I would be willing---to take a couple of my days---Thursday and Friday as well----
&nbsp;
&nbsp; My wife said yes quicker than I did ---so we will be back after some important family duties today&mdash;and thru the weekend.
&nbsp;
&nbsp; For now &ndash;our time is up&mdash;thank you for yours&hellip;.
&nbsp;

April 29, 2026 10AM - It's Your Agri Business with Bill Zortman

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