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

It's Your Business

December 9, 2025 10AM - It's Your Agri Business with Bill Zortman

December 9, 2025---9-10---Tax Talk Tim Ness---Show—50-59

   I’m Bill Zortman and WELCOME to It’s YOUR Business—in this hour once a month---It’s Tax Talk with Tim Ness.

 

   Yes Ness Tax has quite rightly so—voted Sioux Falls BEST Tax and Bookkeeping Services for 19 or is it 20 years—without a mess. And if you know Tim Ness—you really know WHY—and for the RIGHT REASON—he is hard to beat on that very important tax figuring he has been doing for so many for so many years.

 

   Tim Ness---we are in December---and as you know –when we do this hour long show on the 2nd Tuesday of the month you get to ask him a question you want answered---just call in at 605-336-1320---

 

   Tim ---welcome to December—and certainly the Christmas Season---

 

   When do the hours change for the start of the tax season?

-----------------Tim-----------------

   Where  are office and what are-----the hours before the start of the tax season?

-----------------Tim-----------------

   What kind of questions do you expect for the Tax Season in 2025—that has to be paid off with the tax deadline in 2026?

------------------Tim----------------

   Tim I understand you do have some LAST MINUTE Tax Planning ideas for this month of December?

 ------------------Tim---------------

   The IRS has been a little concerned about CPA’s Charged with false and fraudulent tax return preparations-----for instance a Prior Lake CPA facing 42 counts off preparing bogus returns---

-------------------Tim---------------

   If you want Tim Ness to answer your questions----how do they reach you-----

--------------------Tim--------------

   If you want Tim Ness to answer your call(s) during this hour—call in number is 605-336-1320.

  

   Later on in the show---I know you will share---how you and your team help those that owe state taxes. Of course South Dakota doesn’t have a state income tax---

     We’ll be taking your tax inquiries---thru 9:55 today----when we come back---be the first to call in at 605-336-1320----

 

9:18/30—KELO Commercials

9:20/00---Tax Talk Tim Ness 2

    Glad to have you joining us for our monthly Tax Talk with Tim Ness--- Sioux Falls Best Tax and Bookkeeping service for 20 or so years---

 

    Tim if you will share with us some of the questions your team has been answering involving what taxpayers should still do before the deadlines----

--------------------Tim-------------------

     I noticed on one of the promo lines included for this show—that Michael and Susan Dell had committed to fund $6.25 Billion dollars to Trump Accounts for Children----

     What do adults have to do to be able to utilize the Dell funding for accounts for Children----

---------------------Tim-------------------

     Tim Ness will be answering questions on our show today up thru 9:55—all it takes is to call in at 605-336-1320---Norm Anderson will take the call----and we’ll give you the chance to ASK Tim Ness.

 

      Tim I did notice that e-filing will stop December 26th due to IRS Computer system updates----and there was something about resumes for late January—what is that about---

-----------------------Tim------------------

       Update if you will—in October we shared that the IRS was not accepting checks for payment and that they didn’t plan to SEND out checks for refunds. Has anything changed—it is hasn’t what do you recommend those paying their taxes do INSTEAD OF Checks?

------------------------Tim------------------

        If you have a question for Tim Ness during the rest of this hour—call in at 336-1320 before 9:55---Norm Anderson will take your call—give him your name or a name you want to use---so Tim can answer you on a first name basis---

 

         We know we are still PRE-TAX Season-but we know there are some of you listening that want to get started

 

   When we come back—lets talk about defund delays for ID Theft victims---which remains a serious concern---the process has been averaging 20 months to process.

 

    Questions for Tim---call us before we hit 9:55 on the clock---just call in at 605-336-1320---and the BEST TAX and BOOKKEEPING SERVICE can answer you on the air-----and when we get back---we’ll get you educated on the TRUMP TODDLER Accounts for newborns good from 2025 to 2028. 

 

9:40/00---KELO Commercials

9:41/30---Ness Tax 4

    Tax Talk with Tim Ness----Tim has been Sioux Falls BEST Tax and Bookkeeping Service for decades---his history as an IRS Agent—certainly helps him to understand and help you know what the IRS is Asking.

 

    One of the things we share during this show is that there are 40 or so states that require states taxes be paid---what Ness Tax Offers is helping paying those taxes-----and they also have bookkeeping services for businesses as well.

 

     Talk to us about what you do----and how you have helped so many people throughout the ages---

-----------------Tim-------------------------

      I saw in one of your notes---that the IRS has issued important reminders when choosing a tax professional---can you share a few of those that seem to be important to those in South Dakota and neighboring states----

------------------Tim------------------------

     When your hours will change----and perhaps some last minute tax-planning ideas for this month of December---

-------------------Tim-----------------------

     How well did the IRS doing away with paper checks that started two months ago work?

--------------------Tim-----------------------

     Questions for Tim Ness—still have just a few minutes to be able to ask and get answers—call us at 605-336-1320

---------------------Tim-----------------------

     If you have questions for Tim Ness---during this Tax HOUR---call us at 605-336-1320---we’ll take your questions up to 9:55 this morning----(call quickly---we are almost that 9:55 hour---)

 

9:54/30---KELO Commercials

9:56/00---Tax Talk Tim Ness—Segment 5

   We are in the going home segment of Tax Talk with Tim Ness---number the audience can talk just before the deadline and after---

--------Tim—number-----------

   For those that are just joining the show when you can get with Ness Tax Team----and get started get the results for 2025----

 

   Hours and when they change----

   Most asked question during this 2025 year for the filing that is still ahead---

------------Tim-------------------

   We’ll have our next Tax Show--- on January 13th---9-10----

------------Tim-------------------

   Thanks for letting us ask the questions for our listeners—and your tax clients—past, present and future---

    Our time is up—thank you for yours-----

December 9, 2025---9-10---Tax Talk Tim Ness---Show&mdash;50-59
&nbsp;&nbsp;&nbsp;I&rsquo;m Bill Zortman and WELCOME to It&rsquo;s YOUR Business&mdash;in this hour once a month---It&rsquo;s Tax Talk with Tim Ness.
&nbsp;
&nbsp;&nbsp;&nbsp;Yes Ness Tax has quite rightly so&mdash;voted Sioux Falls BEST Tax and Bookkeeping Services for 19 or is it 20 years&mdash;without a mess. And if you know Tim Ness&mdash;you really know WHY&mdash;and for the RIGHT REASON&mdash;he is hard to beat on that very important tax figuring he has been doing for so many for so many years.
&nbsp;
&nbsp;&nbsp;&nbsp;Tim Ness---we are in December---and as you know &ndash;when we do this hour long show on the 2nd Tuesday of the month you get to ask him a question you want answered---just call in at 605-336-1320---
&nbsp;
&nbsp;&nbsp;&nbsp;Tim ---welcome to December&mdash;and certainly the Christmas Season---
&nbsp;
&nbsp;&nbsp;&nbsp;When do the hours change for the start of the tax season?
-----------------Tim-----------------
&nbsp;&nbsp;&nbsp;Where&nbsp; are office and what are-----the hours before the start of the tax season?
-----------------Tim-----------------
&nbsp;&nbsp;&nbsp;What kind of questions do you expect for the Tax Season in 2025&mdash;that has to be paid off with the tax deadline in 2026?
------------------Tim----------------
&nbsp;&nbsp;&nbsp;Tim I understand you do have some LAST MINUTE Tax Planning ideas for this month of December?
&nbsp;------------------Tim---------------
&nbsp;&nbsp;&nbsp;The IRS has been a little concerned about CPA&rsquo;s Charged with false and fraudulent tax return preparations-----for instance a Prior Lake CPA facing 42 counts off preparing bogus returns---
-------------------Tim---------------
&nbsp;&nbsp;&nbsp;If you want Tim Ness to answer your questions----how do they reach you-----
--------------------Tim--------------
&nbsp;&nbsp;&nbsp;If you want Tim Ness to answer your call(s) during this hour&mdash;call in number is 605-336-1320.
&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;Later on in the show---I know you will share---how you and your team help those that owe state taxes. Of course South Dakota doesn&rsquo;t have a state income tax---
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We&rsquo;ll be taking your tax inquiries---thru 9:55 today----when we come back---be the first to call in at 605-336-1320----
&nbsp;
9:18/30&mdash;KELO Commercials
9:20/00---Tax Talk Tim Ness 2
&nbsp;&nbsp;&nbsp;&nbsp;Glad to have you joining us for our monthly Tax Talk with Tim Ness--- Sioux Falls Best Tax and Bookkeeping service for 20 or so years---
&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;Tim if you will share with us some of the questions your team has been answering involving what taxpayers should still do before the deadlines----
--------------------Tim-------------------
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;I noticed on one of the promo lines included for this show&mdash;that Michael and Susan Dell had committed to fund $6.25 Billion dollars to Trump Accounts for Children----
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;What do adults have to do to be able to utilize the Dell funding for accounts for Children----
---------------------Tim-------------------
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tim Ness will be answering questions on our show today up thru 9:55&mdash;all it takes is to call in at 605-336-1320---Norm Anderson will take the call----and we&rsquo;ll give you the chance to ASK Tim Ness.
&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tim I did notice that e-filing will stop December 26th due to IRS Computer system updates----and there was something about resumes for late January&mdash;what is that about---
-----------------------Tim------------------
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Update if you will&mdash;in October we shared that the IRS was not accepting checks for payment and that they didn&rsquo;t plan to SEND out checks for refunds. Has anything changed&mdash;it is hasn&rsquo;t what do you recommend those paying their taxes do INSTEAD OF Checks?
------------------------Tim------------------
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If you have a question for Tim Ness during the rest of this hour&mdash;call in at 336-1320 before 9:55---Norm Anderson will take your call&mdash;give him your name or a name you want to use---so Tim can answer you on a first name basis---
&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We know we are still PRE-TAX Season-but we know there are some of you listening that want to get started
&nbsp;
&nbsp;&nbsp;&nbsp;When we come back&mdash;lets talk about defund delays for ID Theft victims---which remains a serious concern---the process has been averaging 20 months to process.
&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;Questions for Tim---call us before we hit 9:55 on the clock---just call in at 605-336-1320---and the BEST TAX and BOOKKEEPING SERVICE can answer you on the air-----and when we get back---we&rsquo;ll get you educated on the TRUMP TODDLER Accounts for newborns good from 2025 to 2028.&nbsp;
&nbsp;
9:40/00---KELO Commercials
9:41/30---Ness Tax 4
&nbsp;&nbsp;&nbsp;&nbsp;Tax Talk with Tim Ness----Tim has been Sioux Falls BEST Tax and Bookkeeping Service for decades---his history as an IRS Agent&mdash;certainly helps him to understand and help you know what the IRS is Asking.
&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;One of the things we share during this show is that there are 40 or so states that require states taxes be paid---what Ness Tax Offers is helping paying those taxes-----and they also have bookkeeping services for businesses as well.
&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Talk to us about what you do----and how you have helped so many people throughout the ages---
-----------------Tim-------------------------
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;I saw in one of your notes---that the IRS has issued important reminders when choosing a tax professional---can you share a few of those that seem to be important to those in South Dakota and neighboring states----
------------------Tim------------------------
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When your hours will change----and perhaps some last minute tax-planning ideas for this month of December---
-------------------Tim-----------------------
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;How well did the IRS doing away with paper checks that started two months ago work?
--------------------Tim-----------------------
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Questions for Tim Ness&mdash;still have just a few minutes to be able to ask and get answers&mdash;call us at 605-336-1320
---------------------Tim-----------------------
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If you have questions for Tim Ness---during this Tax HOUR---call us at 605-336-1320---we&rsquo;ll take your questions up to 9:55 this morning----(call quickly---we are almost that 9:55 hour---)
&nbsp;
9:54/30---KELO Commercials
9:56/00---Tax Talk Tim Ness&mdash;Segment 5
&nbsp;&nbsp;&nbsp;We are in the going home segment of Tax Talk with Tim Ness---number the audience can talk just before the deadline and after---
--------Tim&mdash;number-----------
&nbsp;&nbsp;&nbsp;For those that are just joining the show when you can get with Ness Tax Team----and get started get the results for 2025----
&nbsp;
&nbsp;&nbsp;&nbsp;Hours and when they change----
&nbsp;&nbsp;&nbsp;Most asked question during this 2025 year for the filing that is still ahead---
------------Tim-------------------
&nbsp;&nbsp;&nbsp;We&rsquo;ll have our next Tax Show--- on January 13th---9-10----
------------Tim-------------------
&nbsp;&nbsp;&nbsp;Thanks for letting us ask the questions for our listeners&mdash;and your tax clients&mdash;past, present and future---
&nbsp;&nbsp;&nbsp;&nbsp;Our time is up&mdash;thank you for yours-----

December 9, 2025 9AM - Tax Talk with Tim Ness

December 8, 2025—10-11—It’s YOUR Agri Business—Show 50-58

From the Blackburn Studios in Downtown Sioux Falls—Become a Blackburn Protected HOME

 

Learn More at Blackburn Basement Repair.com

((((MUSIC---This OLE HOUSE)))

 

   YES HAH---I’m Bill Zortman and Welcome to It’s YOUR Agri Business—Show 50-58 in our ORIGINAL It’s YOUR Business Series.

 

   We will be on the road this week—at the South Dakota Farmers Union State-wide convention in Huron….

 

   Rocky Forman---who traditionally does and helps schedule for monthly Farmers Union Show—is working with me for the State Convention--

   Good morning to you---I know that we are talking about the annual Convention for South Dakota Farmers Union---and we try to make the trip as often as possible.

   With all that is so serious in Agriculture right now---it just made sense for us to be in Huron on Wednesday----9-11….

 

   Rocky—if you will share---the guests and speakers that will be included in the events Wednesday—and yes other days—

------------------Rocky------------------

---------Governor Larry Rhoden

   Among those you have scheduled to visit with us---

National President Rob Larew

SD President Doug Sombke

Jeff Kippley---SD and National Vice President Farmers Union

David Reis---Chad Johnson-Scott Kolousek—Oren Lesmister---Board Members

 

Plus with the Help of Gerri Eide---FFA kids too

 

    Topics that will be a big deal-----and who can attend----

 

---------------Rocky---looking forward to the State Convention—and letting those engaged be able to talk about agriculture—what they are seeing and expect---

     Just ahead—we’ll update with Plains Commerce Bank----Sarah Heinrich----Geri Eide---and Casey Crabtree—

 

10:17/00—KELO Commercials

10:19/00---Ag Biz 2

(((MUSIC---Brent Baloun---Plains Commerce Bank-))))

 

Monday’s and Wednesday’s we talk with Brent Baloun---and his team at Plains Commerce---

-----------Brent-------whether it be those in business, Agriculture---newly married or seniors---how can Plains listen---and make a difference—

----------------Brent-------------

    -------most asked questions you and your team are getting---

---------------Brent---------------

   How they reach you-----

-------------Brent--------------------

 

   Sarah Heinrich---Growing Harvest Network is next-----KFGO Fargo---

 

10:23/30—KELO Commercials

10:25/30---Sarah Heinrich—Growing Harvest Network

10:28/00---Fox Business Network

10:30/30---AG Biz 3

----Welcome back to It’s YOUR Agri Business----we start the second half with Matt Swenson---Swenson Commodities----what are you seeing this morning 

-----------Matt-------------

Grain—meat---energy---Big Board on Wall street----

 

------------how do they reach you----

-----------Matt Swenson----Swenson Commodities-------

 

One of those we will work with Gerri Eide---FFA of South Dakota-----and Gerri –we know the events of the South Dakota Farmers Union Convention are important—and your FFA members are always included—share if you can—the kind of young people who will be visible and hearable for our audience---

----------------Gerri--------------------

    We look forward to visiting with you and members---live on Wednesday---and probably tomorrow as well----

     Casey Crabtree has joined us this morning----we have an upcoming session scheduled with the legislature---you sent a note that said “this will be the story of the session I think----

 

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

      The session begins when—and the kind of inquiries you have been getting—and what you want those to know in SD about the importance of the January Legislative Session---

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

      The Rock Report---more on the state Convention we’ll be broadcasting from on Wednesday (Weather Permitting)

 

10:43/00—KELO Commercials

10:44/30---Ag Biz 4

Rock Nelson—on Monday’s brings us the ROCK Report

 

 , l will be interviewing via cell phone  Stephen Hall – Export Control Regulations Officer in the Bureau of Industry and Security that is within the US the US Department of Commerce.  Below are the questions that I will be asking Steve.

 
 I have a potential customer located overseas. How do I know if this company is legitimate or not ?

 
 I have heard that certain products that I want to sell overseas may require permission from the US Government. How do I find out if what we produce needs a license and if so, what agency does this and how long does it take ?

 
 Are there certain countries that I should not sell to ?

 

4.Is there an official way that I can get a determination if I need an export license or not ? I do not want to violate any export regulations .

 
 Are there any “red flags” or indicators that a South Dakota business should be aware of a suspicious potential sale even if it is a domestic sale ?

 10:52/00—KELO Commercials---

10:53/30----Ag Biz

   Rocky Forman----Gerri Eide—possible interviews on SD State Farmers Union Convention----

 

Laura Edwards-Weather---

December 8, 2025&mdash;10-11&mdash;It&rsquo;s YOUR Agri Business&mdash;Show 50-58
From the Blackburn Studios in Downtown Sioux Falls&mdash;Become a Blackburn Protected HOME
&nbsp;
Learn More at Blackburn Basement Repair.com
((((MUSIC---This OLE HOUSE)))
&nbsp;
&nbsp;&nbsp;&nbsp;YES HAH---I&rsquo;m Bill Zortman and Welcome to It&rsquo;s YOUR Agri Business&mdash;Show 50-58 in our ORIGINAL It&rsquo;s YOUR Business Series.
&nbsp;
&nbsp;&nbsp;&nbsp;We will be on the road this week&mdash;at the South Dakota Farmers Union State-wide convention in Huron&hellip;.
&nbsp;
&nbsp;&nbsp;&nbsp;Rocky Forman---who traditionally does and helps schedule for monthly Farmers Union Show&mdash;is working with me for the State Convention--
&nbsp;&nbsp;&nbsp;Good morning to you---I know that we are talking about the annual Convention for South Dakota Farmers Union---and we try to make the trip as often as possible.
&nbsp;&nbsp;&nbsp;With all that is so serious in Agriculture right now---it just made sense for us to be in Huron on Wednesday----9-11&hellip;.
&nbsp;
&nbsp;&nbsp;&nbsp;Rocky&mdash;if you will share---the guests and speakers that will be included in the events Wednesday&mdash;and yes other days&mdash;
------------------Rocky------------------
---------Governor Larry Rhoden
&nbsp;&nbsp;&nbsp;Among those you have scheduled to visit with us---
National President Rob Larew
SD President Doug Sombke
Jeff Kippley---SD and National Vice President Farmers Union
David Reis---Chad Johnson-Scott Kolousek&mdash;Oren Lesmister---Board Members
&nbsp;
Plus with the Help of Gerri Eide---FFA kids too
&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;Topics that will be a big deal-----and who can attend----
&nbsp;
---------------Rocky---looking forward to the State Convention&mdash;and letting those engaged be able to talk about agriculture&mdash;what they are seeing and expect---
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Just ahead&mdash;we&rsquo;ll update with Plains Commerce Bank----Sarah Heinrich----Geri Eide---and Casey Crabtree&mdash;
&nbsp;
10:17/00&mdash;KELO Commercials
10:19/00---Ag Biz 2
(((MUSIC---Brent Baloun---Plains Commerce Bank-))))
&nbsp;
Monday&rsquo;s and Wednesday&rsquo;s we talk with Brent Baloun---and his team at Plains Commerce---
-----------Brent-------whether it be those in business, Agriculture---newly married or seniors---how can Plains listen---and make a difference&mdash;
----------------Brent-------------
&nbsp;&nbsp;&nbsp;&nbsp;-------most asked questions you and your team are getting---
---------------Brent---------------
&nbsp;&nbsp;&nbsp;How they reach you-----
-------------Brent--------------------
&nbsp;
&nbsp;&nbsp;&nbsp;Sarah Heinrich---Growing Harvest Network is next-----KFGO Fargo---
&nbsp;
10:23/30&mdash;KELO Commercials
10:25/30---Sarah Heinrich&mdash;Growing Harvest Network
10:28/00---Fox Business Network
10:30/30---AG Biz 3
----Welcome back to It&rsquo;s YOUR Agri Business----we start the second half with Matt Swenson---Swenson Commodities----what are you seeing this morning&nbsp;
-----------Matt-------------
Grain&mdash;meat---energy---Big Board on Wall street----
&nbsp;
------------how do they reach you----
-----------Matt Swenson----Swenson Commodities-------
&nbsp;
One of those we will work with Gerri Eide---FFA of South Dakota-----and Gerri &ndash;we know the events of the South Dakota Farmers Union Convention are important&mdash;and your FFA members are always included&mdash;share if you can&mdash;the kind of young people who will be visible and hearable for our audience---
----------------Gerri--------------------
&nbsp;&nbsp;&nbsp;&nbsp;We look forward to visiting with you and members---live on Wednesday---and probably tomorrow as well----
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Casey Crabtree has joined us this morning----we have an upcoming session scheduled with the legislature---you sent a note that said &ldquo;this will be the story of the session I think----
&nbsp;
-------------------Casey--------------------
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The session begins when&mdash;and the kind of inquiries you have been getting&mdash;and what you want those to know in SD about the importance of the January Legislative Session---
--------------------Casey--------------------
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Rock Report---more on the state Convention we&rsquo;ll be broadcasting from on Wednesday (Weather Permitting)
&nbsp;
10:43/00&mdash;KELO Commercials
10:44/30---Ag Biz 4
Rock Nelson&mdash;on Monday&rsquo;s brings us the ROCK Report
&nbsp;
&nbsp;, l will be interviewing via cell phone&nbsp; Stephen Hall &ndash; Export Control Regulations Officer in the Bureau of Industry and Security that is within the US the US Department of Commerce.&nbsp; Below are the questions that I will be asking Steve.
&nbsp;
<ol>
<li> I have a potential customer located overseas. How do I know if this company is legitimate or not ?</li>
</ol>
&nbsp;
<ol>
<li> I have heard that certain products that I want to sell overseas may require permission from the US Government. How do I find out if what we produce needs a license and if so, what agency does this and how long does it take ?</li>
</ol>
&nbsp;
<ol>
<li> Are there certain countries that I should not sell to ?</li>
</ol>
&nbsp;
4.Is there an official way that I can get a determination if I need an export license or not ? I do not want to violate any export regulations .
&nbsp;
<ol>
<li> Are there any &ldquo;red flags&rdquo; or indicators that a South Dakota business should be aware of a suspicious potential sale even if it is a domestic sale ?</li>
</ol>
&nbsp;10:52/00&mdash;KELO Commercials---
10:53/30----Ag Biz
&nbsp;&nbsp;&nbsp;Rocky Forman----Gerri Eide&mdash;possible interviews on SD State Farmers Union Convention----
&nbsp;
Laura Edwards-Weather---

December 8, 2025 10AM - It's Your Agri Business with Bill Zortman

December 8, 2025—9-10—Remodelers Show---Show 50-57

From the Blackburn Studios in Downtown Sioux Falls—Become a Blackburn Protected HOME

 

Learn MORE at Blackburn Basement Repair.com

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

 

--------YEE HAH I’m Bill Zortman and Welcome to It’s YOUR Business—

The REMODELERS SHOW Show 50-57 in our ORIGINAL It’s YOUR Business Series.

 

   YES It is the Remodelers Show---the 2nd Monday that we review the important figures for homes---bought and sold---and numbers that indicate where we are ---and where we are going.

 

    Our very special collection of realtors, home builders, merchants, bankers-----best collection of information that is available.

 

    Tony Bachman---helps us collect what has happened since the Report Card Show last Monday---

 

RASE Market Report (November 2025)
 Overall Market Activity & Sales Momentum
 Pending Sales Surge: Pending sales saw a significant month-over-month increase of 62.4 percent in November 2025, reaching 544 properties, and showing a 13.1 percent increase year-to-date
 Closed Sales Decline (Monthly): Despite the pending sales jump, closed sales for November dropped sharply, decreasing 28.0 percent year-over-year

. However, closed sales for the year-to-date are up slightly by 1.2 percent
 New Listings Decline: New Listings decreased by 20.7 percent compared to the previous year, falling to 403
 National Context: Nationally, U.S. sales of existing homes rose 1.2% month-over-month, driven by gains in the Midwest and South
 Price Trends and Time on Market
 Median Sales Price Growth: The overall median sales price increased by 3.7 percent year-over-year in November 2025, reaching $326,500

. The 12-month rolling median sales price was $324,800, up 1.5 percent
 New Construction Price Gains: The new construction segment experienced the largest proportional price gain, with median prices increasing 2.4 percent to $374,900
 Days on Market (DOM) Increase: The average days on market until sale increased by 12.0 percent in November, rising to 93 days

    ◦ The $200K to 2M and Above range sold the slowest (224 days)
 Price Received Decreases: The percentage of the original list price received decreased slightly by 1.9 percent in November 2025, dropping to 95.9%
 Affordability: The Housing Affordability Index showed a marginal increase of 0.9 percent in November 2025, reaching 116
 Market Supply Dynamics (Inventory Crisis)
 Overall Inventory Shrinkage: Market-wide inventory levels were down 23.3 percent, falling to 1,517 homes for sale
 Months Supply Shortage: The total Months Supply of Inventory decreased by 32.1 percent to 3.8 months
 Previously Owned Supply Collapse (Most Severe Shortage):

    ◦ Previously owned inventory dropped significantly by 27.5 percent

    ◦ The Market Supply Inventory for previously owned homes plummeted by 38.8 percent, leaving supply at 3.0 months
 New Construction Inventory Stability (Relative):

    ◦ New Construction lost the least amount of inventory, decreasing by 12.5 percent

    ◦ New Construction maintains a much larger supply level, with an MSI of 8.3 months, despite decreasing 12.6 percent year-over-year
 Segment Performance Highlights (Housing Supply Overview 12-Month Rolling Data)
 High-End Sales Growth: The price range with the largest gain in sales was the $2M and Above range, which saw a 57.1 percent increase in pending sales
 New Construction Time on Market: While previously owned homes saw a 6.8% increase in Days on Market (78 days), new construction saw a greater increase of 19.4 percent (160 days), indicating new homes are taking substantially longer to move from listing to accepted offer
 Condo-Townhouse Attached was the property type that showed the strongest sales

Which construction status had strongest sales?

The construction status that had the strongest sales was Previously Owned homes, based on the rolling 12-month percentage change in pending sales through November 2025

Here are the specific details comparing the two construction statuses:
 Previously Owned: Pending sales for Previously Owned homes increased by 17.5 percent

. The total number of pending sales for this segment was 4,135 in November 2025, up from 3,519 in November 2024
 New Construction: Pending sales for New Construction showed no change (0.0 percent)

. The total number of pending sales remained stable at 699 properties in both November 2024 and November 2025

Therefore, the Previously Owned category demonstrated the strongest sales performance, experiencing an increase of 17.5 percent in pending sales over the 12-month rolling period

 

 

----------Neil King--------update----

 

------new leader that was introduced last Monday------

 

--------Just ahead------Teddi Mueller----and others that will fill us in for the first 8 days of December…

 

9:14/30—KELO Commercials

9:16/00---Remodelers 2

  Welcome back to the Remodelers Show----Teddi Mueller---new leader—Neil King---

 

   Share with us upcoming events---the questions being asked the most---and what the expectations are for the next 3 weeks and 2 days before we close out 2025----

 

   -------------just ahead---after Fox Business News---the Bankers—and what they have to share…

 

9:28/00—KELO Commercials

9:29/30---fox biz news

9:32/00---Remodelers 3

   Home Builders, Remodelers, the Home Builder Bean Counter—but the bankers make a big difference too

 

We will discuss AI and mortgage:

 

               AI is helping is helping us be more productive

               Fairway’s approach is to keep the Loan Officer as the focal point of the transaction and to not replace the loan officer.

               I have an AI assistant called DJ who helps me with my leads that come in

               My second AI assistant reaches out to my existing clients

                              -schedules reviews

                              -calls if credit is pulled

                              -calls if they list their house

                                      Call Breanna about Rate Alerts:

 

               We have an enterprise edition of ChatGPT that I can use to help with

                              -Marketing

                              -Underwriting

                              -Legal questions

 

 

 

Kelly Kelly

Most people age 62+ do not know that they can buy a new home for less cash and NO required Mortgage Payment!  Oh, and future tax deductions!!

 

For example, a home that is listed for $450,000 can be purchase for less cash ( see examples below)

 

Age 62:              $317,685 is the cash they need to buy a $450,000 home with NO required mortgage payment!

 

Age 72:              $290,685 “                                                                                                                                                                    “

Age 82                $247,035 “                                                                                                                                                                   “ 

Age                                   92-$182,685”      

 

Other banking stuff----we can share with this Remodelers Audience---

 

We’ll check in with             Steven Swenson and Todd Boots—next-

 

9:44/00—9:46/00--  

Steve Swenson

 

Todd Boots

And—Kristi Merfield

 

 

We’ll get you ready for 10:00 Agri Business Show next---

 

9:56/00-KELO Commercials

9:57/30-Remodelers-5

Preview of the 10-11—Ag Business Show..

 

December 8, 2025&mdash;9-10&mdash;Remodelers Show---Show 50-57
From the Blackburn Studios in Downtown Sioux Falls&mdash;Become a Blackburn Protected HOME
&nbsp;
Learn MORE at Blackburn Basement Repair.com
(((MUSIC---THIS OLE HOUSE)))
&nbsp;
--------YEE HAH I&rsquo;m Bill Zortman and Welcome to It&rsquo;s YOUR Business&mdash;
The REMODELERS SHOW Show 50-57 in our ORIGINAL It&rsquo;s YOUR Business Series.
&nbsp;
&nbsp;&nbsp; YES It is the Remodelers Show---the 2nd&nbsp;Monday that we review the important figures for homes---bought and sold---and numbers that indicate where we are ---and where we are going.
&nbsp;
&nbsp;&nbsp;&nbsp; Our very special collection of realtors, home builders, merchants, bankers-----best collection of information that is available.
&nbsp;
&nbsp;&nbsp;&nbsp; Tony Bachman---helps us collect what has happened since the Report Card Show last Monday---
&nbsp;
RASE Market Report (November 2025)
<ol>
<li> Overall Market Activity &amp; Sales Momentum</li>
</ol>
<ul>
<li> Pending Sales Surge: Pending sales saw a significant month-over-month increase of 62.4 percent in November 2025, reaching 544 properties, and showing a 13.1 percent increase year-to-date</li>
<li> Closed Sales Decline (Monthly): Despite the pending sales jump, closed sales for November dropped sharply, decreasing 28.0 percent year-over-year</li>
</ul>
. However, closed sales for the year-to-date are up slightly by 1.2 percent
<ul>
<li> New Listings Decline: New Listings decreased by 20.7 percent compared to the previous year, falling to 403</li>
<li> National Context: Nationally, U.S. sales of existing homes rose 1.2% month-over-month, driven by gains in the Midwest and South</li>
</ul>
<ol>
<li> Price Trends and Time on Market</li>
</ol>
<ul>
<li> Median Sales Price Growth: The overall median sales price increased by 3.7 percent year-over-year in November 2025, reaching $326,500</li>
</ul>
. The 12-month rolling median sales price was $324,800, up 1.5 percent
<ul>
<li> New Construction Price Gains: The new construction segment experienced the largest proportional price gain, with median prices increasing 2.4 percent to $374,900</li>
<li> Days on Market (DOM) Increase: The average days on market until sale increased by 12.0 percent in November, rising to 93 days</li>
</ul>
&nbsp; &nbsp; ◦ The $200K to 2M and Above range sold the slowest (224 days)
<ul>
<li> Price Received Decreases: The percentage of the original list price received decreased slightly by 1.9 percent in November 2025, dropping to 95.9%</li>
<li> Affordability: The Housing Affordability Index showed a marginal increase of 0.9 percent in November 2025, reaching 116</li>
</ul>
<ol>
<li> Market Supply Dynamics (Inventory Crisis)</li>
</ol>
<ul>
<li> Overall Inventory Shrinkage: Market-wide inventory levels were down 23.3 percent, falling to 1,517 homes for sale</li>
<li> Months Supply Shortage: The total Months Supply of Inventory decreased by 32.1 percent to 3.8 months</li>
<li> Previously Owned Supply Collapse (Most Severe Shortage):</li>
</ul>
&nbsp; &nbsp; ◦ Previously owned inventory dropped significantly by 27.5 percent
&nbsp; &nbsp; ◦ The Market Supply Inventory for previously owned homes plummeted by 38.8 percent, leaving supply at 3.0 months
<ul>
<li> New Construction Inventory Stability (Relative):</li>
</ul>
&nbsp; &nbsp; ◦ New Construction lost the least amount of inventory, decreasing by 12.5 percent
&nbsp; &nbsp; ◦ New Construction maintains a much larger supply level, with an MSI of 8.3 months, despite decreasing 12.6 percent year-over-year
<ol>
<li> Segment Performance Highlights (Housing Supply Overview 12-Month Rolling Data)</li>
</ol>
<ul>
<li> High-End Sales Growth: The price range with the largest gain in sales was the $2M and Above range, which saw a 57.1 percent increase in pending sales</li>
<li> New Construction Time on Market: While previously owned homes saw a 6.8% increase in Days on Market (78 days), new construction saw a greater increase of 19.4 percent (160 days), indicating new homes are taking substantially longer to move from listing to accepted offer</li>
<li> Condo-Townhouse Attached was the property type that showed the strongest sales</li>
</ul>
Which construction status had strongest sales?
The construction status that had the strongest sales was Previously Owned homes, based on the rolling 12-month percentage change in pending sales through November 2025
Here are the specific details comparing the two construction statuses:
<ul>
<li> Previously Owned: Pending sales for Previously Owned homes increased by 17.5 percent</li>
</ul>
. The total number of pending sales for this segment was 4,135 in November 2025, up from 3,519 in November 2024
<ul>
<li> New Construction: Pending sales for New Construction showed no change (0.0 percent)</li>
</ul>
. The total number of pending sales remained stable at 699 properties in both November 2024 and November 2025
Therefore, the Previously Owned category demonstrated the strongest sales performance, experiencing an increase of 17.5 percent in pending sales over the 12-month rolling period
&nbsp;
&nbsp;
----------Neil King--------update----
&nbsp;
------new leader that was introduced last Monday------
&nbsp;
--------Just ahead------Teddi Mueller----and others that will fill us in for the first 8 days of December&hellip;
&nbsp;
9:14/30&mdash;KELO Commercials
9:16/00---Remodelers 2
&nbsp; Welcome back to the Remodelers Show----Teddi Mueller---new leader&mdash;Neil King---
&nbsp;
&nbsp;&nbsp; Share with us upcoming events---the questions being asked the most---and what the expectations are for the next 3 weeks and 2 days before we close out 2025----
&nbsp;
&nbsp;&nbsp; -------------just ahead---after Fox Business News---the Bankers&mdash;and what they have to share&hellip;
&nbsp;
9:28/00&mdash;KELO Commercials
9:29/30---fox biz news
9:32/00---Remodelers 3
&nbsp;&nbsp; Home Builders, Remodelers, the Home Builder Bean Counter&mdash;but the bankers make a big difference too
&nbsp;
We will discuss AI and mortgage:
&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; AI is helping is helping us be more productive
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fairway&rsquo;s approach is to keep the Loan Officer as the focal point of the transaction and to not replace the loan officer.
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; I have an AI assistant called DJ who helps me with my leads that come in
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; My second AI assistant reaches out to my existing clients
&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; -schedules reviews
&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; -calls if credit is pulled
&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; -calls if they list their house
&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; Call Breanna about Rate Alerts:
&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; We have an enterprise edition of ChatGPT that I can use to help with
&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; -Marketing
&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; -Underwriting
&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; -Legal questions
&nbsp;
&nbsp;
&nbsp;
Kelly Kelly
Most people age 62+ do not know that they can buy a new home for less cash and NO required Mortgage Payment!&nbsp; Oh, and future tax deductions!!
&nbsp;
For example, a home that is listed for $450,000 can be purchase for less cash ( see examples below)
&nbsp;
Age 62:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $317,685 is the cash they need to buy a $450,000 home with NO required mortgage payment!
&nbsp;
Age 72:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $290,685 &ldquo;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &ldquo;
Age 82&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $247,035 &ldquo;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;&nbsp;
Age&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; 92-$182,685&rdquo;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;
Other banking stuff----we can share with this Remodelers Audience---
&nbsp;
We&rsquo;ll check in with &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Steven Swenson and Todd Boots&mdash;next-
&nbsp;
9:44/00&mdash;9:46/00--&nbsp;&nbsp;
Steve Swenson
&nbsp;
Todd Boots
And&mdash;Kristi Merfield
&nbsp;
&nbsp;
We&rsquo;ll get you ready for 10:00 Agri Business Show next---
&nbsp;
9:56/00-KELO Commercials
9:57/30-Remodelers-5
Preview of the 10-11&mdash;Ag Business Show..
&nbsp;

December 9, 2025 10AM - It's Your Agri Business with Bill Zortman

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