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

It's Your Business

September 1, 2023 10AM - It's Your Agri Business in Huron at the State Fair

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 8, 2025 9AM - It's Your Business - The Remodelers Show

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

 

LEARN MORE at Blackburn Basement Repair.com

 

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

 

YEE HAH---I’m Bill Zortman and Welcome to It’s YOUR Agri Business-----show 50-57 in our ORIGINAL It’s YOUR Business Series.

December 5, 2025---10-11—It’s YOUR Agri Business—Show 50-56

 

Yes this is our AG Show----and traditionally we start with Darren Hefty—Ag PHD-------and like many Friday’s—he is speaking and we just pre-recorded him---

 

(((Darren Hefty---AG PHD TAPED))))

 

  We need to check in with Corn and Soybeans as well on this first Friday of December---

-----------Jerry Schmitz-SD Soybeans-----

   Give us an update on the take Soybean growers have on 2025---their hopes and what they believe can be done for 2026---

----------------------Jerry-----------------

   Upcoming meetings---- and what you and the growers think hey need to get accomplished----

----------------------Jerry-----------------

   Jerry Schmitz---South Dakota Soybeans---keep us posted thru the months ahead on what Soybeans is doing and working for the coming year.

 

----From South Dakota Corn—Danita Murray---- talk to us about 2025---a wrap—what was accomplished what certainly needs to be done for 2026----

------------------Danita----------------

     Your upcoming meetings---what your growers are hoping can be done for their prices----and growth in the coming year----

------------------Danita-----------------

     I know you work with a lot of Corn growers—but others as well—kind of trips you’ll have to DC—and right here in South Dakota----

-------------------Danita-----------------

    Danita Murray—SD Corn----

 

----------we’ll be doing our 9-11 Show on Wednesday from the South Dakota Farmers Union meeting in Huron----we know that leadership will be there along with families----and we’ll do as much talking in that special Statewide meeting….

 

-----------one of those that has been working with us is Casey Crabtree—he’s next on our It’s YOUR Agri Business Show

 

10:19/30—KELO Commercials

10:21/30---Ag Biz 2

   We do know that Governor Larry Rhoden is in Sioux Falls today and will be in Huron on Wednesday when we do the statewide—It’s YOUR Agri Business Show….

   The Governor was busy----Congressman Dusty Johnson too busy---but Casey Crabtree—who was with us on Wednesday’s Show—that measured with the Governor said about budgets---planning----and it will be something we talk to him about Wednesday when he will lead off our 10:00 hour at the South Dakota Farmers Union State Convention.

    Casey—good morning to you-----what the Governor had to say in his pitch across the Legislative Session in January---did not hit people perhaps as well as he would have liked. We had a number of people talking to us during our Wednesday show----and as the old saying goes—with what he is saying has a lot of explaining to do-----

     Since our interview 2 days ago---what else are you hearing—and what other concerns do South Dakotans have---

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

    The legislative session---coming in an election year for Governor—could make it interesting—what else do Suth Dakotans need to hear---

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

     In your talks with residents around the state----what do you think they will get to hear---

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

     What are lawmakers suggesting after a few more days of thinking about it----

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

     Appreciate you keeping us in the loop---

 

--------------Sarah Heinrich—KFGO Fargo—has her Growing Harvest Network report next---

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

10:28/00---KELO Commercials

10:30/30---Ag Business 3

  Welcome back to It’s YOUR Agri Business---and if you follow our show—it’s just like clockwork for those out there that really need to know the morning farm quotes---

 

   Matt Swenson---Swenson Commodities—joins us to give us his mid-morning update---which is truly counted on and very important to our listeners----

   Matt what are you seeing—

------------------Farm Quotes--------

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

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

   Can people get updates from Swenson Commodities during the day-----------------Matt---------------

   We appreciate you joining us---the  bringing our valuable and loyal listeners up-to-date---

-----------------one project that we will be working on next week---takes us back to Huron for the South Dakota Farmers Union State-wide conference---we have talked with some of those farm leaders ---who will be there—including Governor Larry Rhoden-----don’t know about Dusty Johnson with all they are trying to do in DC---but we know that we will be talking to National President of Farmers Union----Rob Larew---South Dakota President Doug Sombke---and FFA youngsters and many more----including host for our Monthly Show---Rocky Forman---

 

-----------------Rocky----------------topics you are hearing about----to be discussed----

------------------Why with all that is going on not only on the farms---in the small and larger towns--- that this convention----can matter and can educate---

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

                    For those that don’t know how many SD Farmers Union members are there----and what are you hearing they would like to see accomplished when we strike up the band on Wednesday---

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

    We look forward to being there----we know FFA just back from Indianapolis will be part of the crowd----along with a lot of farmers that should be asked more often----what is important---

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

    Our usual Tuesday Farmers Union Monthly show will not air this week as we do the Wednesday 9-11 hours from Huron.

---take a break and get a couple more updates on weather, trees and Ukrainians still working hard in South Dakota

 

10:40/20—KELO Commercials

10:41/50---Ag Biz 4

 

    Lets check in this morning in what is usually our weekly visit with Alla from Ukraine—something we have been doing for several years.

 

    Alla lots of Ukraine talk----what are those Ukrainian born –now in South Dakota thinking about what needs done—and where this is going

------------------Alla------------

    As I have mentioned on our Friday visits before---I’ve been surprised by the number of trips I have made with others to locations in South Dakota—that make it clear—this state can use more of the hard working Ukrainians---

-------------------Alla------------------

    For those that don’t know share how your family migrated to South Dakota—and just when that was---

-------------------Alla-------------------

    Why do South Dakotans believe in the Ukrainian work force to help them with the work and jobs they are doing to raise their own families-

-------------------Alla--------------------

    Alla---we appreciate having you to visit with us---and we know that with all the differences in Ukraine with the Russians right now—that it can take a few prayers---and what else---

-------------------Alla---------------------

    We appreciate your visit----

 

    Just ahead---Mr. Tree---and Laura Edwards—South Dakota State Climatologist -----

     Stay with us---

 

10:47/00—KELO Commercials

10:49/00----Ag Biz 5

  Mr. Tree—John Ball is with us---big snow storm coming in---how will our trees survive---

-----------Tree-------------

  We have just 3 ½ weeks left in 2025-----how would you explain what you have seen in South Dakota from Fall to winter—and what it did to the trees..

-------------------John Ball-------------

  Trees in this time of year---how do you help them----what should you do---and what Shouldn’t you do---

 

-------------------Mr. Tree---------------

  With all the trees you have seen this year—all you taught students about at SDSU---was it just another normal year—what will it be remembered for---

--------------------Tree-------------------

 

   Laura Edwards—SD State Climatologist joins us---for a look at this weekend----what she sees not only thru the weekend---but thru next week here in South Dakota.

   Who you work with when you go on the road----and what will you remember most about 2025---

--------------------Laura-----------------

 

Laura Edwards—thanks for the visit

From the Blackburn Studios in Downtown Sioux Falls&mdash;Become a Blackburn Preferred HOME
&nbsp;
LEARN MORE at Blackburn Basement Repair.com
&nbsp;
(((((MUSIC---This OLE HOUSE))))
&nbsp;
YEE HAH---I&rsquo;m Bill Zortman and Welcome to It&rsquo;s YOUR Agri Business-----show 50-57 in our ORIGINAL It&rsquo;s YOUR Business Series.
December 5, 2025---10-11&mdash;It&rsquo;s YOUR Agri Business&mdash;Show 50-56
&nbsp;
Yes this is our AG Show----and traditionally we start with Darren Hefty&mdash;Ag PHD-------and like many Friday&rsquo;s&mdash;he is speaking and we just pre-recorded him---
&nbsp;
(((Darren Hefty---AG PHD TAPED))))
&nbsp;
&nbsp;&nbsp;We need to check in with Corn and Soybeans as well on this first Friday of December---
-----------Jerry Schmitz-SD Soybeans-----
&nbsp;&nbsp;&nbsp;Give us an update on the take Soybean growers have on 2025---their hopes and what they believe can be done for 2026---
----------------------Jerry-----------------
&nbsp;&nbsp;&nbsp;Upcoming meetings---- and what you and the growers think hey need to get accomplished----
----------------------Jerry-----------------
&nbsp;&nbsp;&nbsp;Jerry Schmitz---South Dakota Soybeans---keep us posted thru the months ahead on what Soybeans is doing and working for the coming year.
&nbsp;
----From South Dakota Corn&mdash;Danita Murray---- talk to us about 2025---a wrap&mdash;what was accomplished what certainly needs to be done for 2026----
------------------Danita----------------
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Your upcoming meetings---what your growers are hoping can be done for their prices----and growth in the coming year----
------------------Danita-----------------
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;I know you work with a lot of Corn growers&mdash;but others as well&mdash;kind of trips you&rsquo;ll have to DC&mdash;and right here in South Dakota----
-------------------Danita-----------------
&nbsp;&nbsp;&nbsp;&nbsp;Danita Murray&mdash;SD Corn----
&nbsp;
----------we&rsquo;ll be doing our 9-11 Show on Wednesday from the South Dakota Farmers Union meeting in Huron----we know that leadership will be there along with families----and we&rsquo;ll do as much talking in that special Statewide meeting&hellip;.
&nbsp;
-----------one of those that has been working with us is Casey Crabtree&mdash;he&rsquo;s next on our It&rsquo;s YOUR Agri Business Show
&nbsp;
10:19/30&mdash;KELO Commercials
10:21/30---Ag Biz 2
&nbsp;&nbsp;&nbsp;We do know that Governor Larry Rhoden is in Sioux Falls today and will be in Huron on Wednesday when we do the statewide&mdash;It&rsquo;s YOUR Agri Business Show&hellip;.
&nbsp;&nbsp;&nbsp;The Governor was busy----Congressman Dusty Johnson too busy---but Casey Crabtree&mdash;who was with us on Wednesday&rsquo;s Show&mdash;that measured with the Governor said about budgets---planning----and it will be something we talk to him about Wednesday when he will lead off our 10:00 hour at the South Dakota Farmers Union State Convention.
&nbsp;&nbsp;&nbsp;&nbsp;Casey&mdash;good morning to you-----what the Governor had to say in his pitch across the Legislative Session in January---did not hit people perhaps as well as he would have liked. We had a number of people talking to us during our Wednesday show----and as the old saying goes&mdash;with what he is saying has a lot of explaining to do-----
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Since our interview 2 days ago---what else are you hearing&mdash;and what other concerns do South Dakotans have---
--------------Casey-------------------
&nbsp;&nbsp;&nbsp;&nbsp;The legislative session---coming in an election year for Governor&mdash;could make it interesting&mdash;what else do Suth Dakotans need to hear---
-------------------Casey-----------------
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In your talks with residents around the state----what do you think they will get to hear---
--------------------Casey----------------
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;What are lawmakers suggesting after a few more days of thinking about it----
--------------------Casey----------------
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Appreciate you keeping us in the loop---
&nbsp;
--------------Sarah Heinrich&mdash;KFGO Fargo&mdash;has her Growing Harvest Network report next---
10:25/30&mdash;Sarah Heinrich---Growing Harvest Network
10:28/00---KELO Commercials
10:30/30---Ag Business 3
&nbsp;&nbsp;Welcome back to It&rsquo;s YOUR Agri Business---and if you follow our show&mdash;it&rsquo;s just like clockwork for those out there that really need to know the morning farm quotes---
&nbsp;
&nbsp;&nbsp;&nbsp;Matt Swenson---Swenson Commodities&mdash;joins us to give us his mid-morning update---which is truly counted on and very important to our listeners----
&nbsp;&nbsp;&nbsp;Matt what are you seeing&mdash;
------------------Farm Quotes--------
&nbsp;&nbsp;&nbsp;Grain-meat&mdash;energy---Big Board on Wall street----
----------------Matt---------------
&nbsp;&nbsp;&nbsp;Can people get updates from Swenson Commodities during the day-----------------Matt---------------
&nbsp;&nbsp;&nbsp;We appreciate you joining us---the&nbsp; bringing our valuable and loyal listeners up-to-date---
-----------------one project that we will be working on next week---takes us back to Huron for the South Dakota Farmers Union State-wide conference---we have talked with some of those farm leaders ---who will be there&mdash;including Governor Larry Rhoden-----don&rsquo;t know about Dusty Johnson with all they are trying to do in DC---but we know that we will be talking to National President of Farmers Union----Rob Larew---South Dakota President Doug Sombke---and FFA youngsters and many more----including host for our Monthly Show---Rocky Forman---
&nbsp;
-----------------Rocky----------------topics you are hearing about----to be discussed----
------------------Why with all that is going on not only on the farms---in the small and larger towns--- that this convention----can matter and can educate---
------------------Rocky----------------
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For those that don&rsquo;t know how many SD Farmers Union members are there----and what are you hearing they would like to see accomplished when we strike up the band on Wednesday---
------------------Rocky-----------------
&nbsp;&nbsp;&nbsp;&nbsp;We look forward to being there----we know FFA just back from Indianapolis will be part of the crowd----along with a lot of farmers that should be asked more often----what is important---
-------------------Rocky-----------------
&nbsp;&nbsp;&nbsp;&nbsp;Our usual Tuesday Farmers Union Monthly show will not air this week as we do the Wednesday 9-11 hours from Huron.
---take a break and get a couple more updates on weather, trees and Ukrainians still working hard in South Dakota
&nbsp;
10:40/20&mdash;KELO Commercials
10:41/50---Ag Biz 4
&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;Lets check in this morning in what is usually our weekly visit with Alla from Ukraine&mdash;something we have been doing for several years.
&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;Alla lots of Ukraine talk----what are those Ukrainian born &ndash;now in South Dakota thinking about what needs done&mdash;and where this is going
------------------Alla------------
&nbsp;&nbsp;&nbsp;&nbsp;As I have mentioned on our Friday visits before---I&rsquo;ve been surprised by the number of trips I have made with others to locations in South Dakota&mdash;that make it clear&mdash;this state can use more of the hard working Ukrainians---
-------------------Alla------------------
&nbsp;&nbsp;&nbsp;&nbsp;For those that don&rsquo;t know share how your family migrated to South Dakota&mdash;and just when that was---
-------------------Alla-------------------
&nbsp;&nbsp;&nbsp;&nbsp;Why do South Dakotans believe in the Ukrainian work force to help them with the work and jobs they are doing to raise their own families-
-------------------Alla--------------------
&nbsp;&nbsp;&nbsp;&nbsp;Alla---we appreciate having you to visit with us---and we know that with all the differences in Ukraine with the Russians right now&mdash;that it can take a few prayers---and what else---
-------------------Alla---------------------
&nbsp;&nbsp;&nbsp;&nbsp;We appreciate your visit----
&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;Just ahead---Mr. Tree---and Laura Edwards&mdash;South Dakota State Climatologist -----
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Stay with us---
&nbsp;
10:47/00&mdash;KELO Commercials
10:49/00----Ag Biz 5
&nbsp;&nbsp;Mr. Tree&mdash;John Ball is with us---big snow storm coming in---how will our trees survive---
-----------Tree-------------
&nbsp;&nbsp;We have just 3 &frac12; weeks left in 2025-----how would you explain what you have seen in South Dakota from Fall to winter&mdash;and what it did to the trees..
-------------------John Ball-------------
&nbsp;&nbsp;Trees in this time of year---how do you help them----what should you do---and what Shouldn&rsquo;t you do---
&nbsp;
-------------------Mr. Tree---------------
&nbsp;&nbsp;With all the trees you have seen this year&mdash;all you taught students about at SDSU---was it just another normal year&mdash;what will it be remembered for---
--------------------Tree-------------------
&nbsp;
&nbsp;&nbsp;&nbsp;Laura Edwards&mdash;SD State Climatologist joins us---for a look at this weekend----what she sees not only thru the weekend---but thru next week here in South Dakota.
&nbsp;&nbsp;&nbsp;Who you work with when you go on the road----and what will you remember most about 2025---
--------------------Laura-----------------
&nbsp;
Laura Edwards&mdash;thanks for the visit

September 1, 2023 10AM - It's Your Agri Business in Huron at the State Fair

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