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Dear Chamber of Commerce Members,

I spent some time in September in Washington D.C. this trip was definitely all business as I didn’t do any site seeing.

I spent most of the time in a conference which was held at the Washington Hilton and spent the balance of the time in regulatory meetings and on Capitol Hill visiting with our Representatives.  I have done this a few times in years past but this time was the most effective we had immediate reaction to an issue that we were talking about.

I belong to an association called National Association of Insurance and Financial Advisors (NAIFA).  I enjoy belonging to this association because it is made up of people (not Companies) who deal directly face to face for the most part with their clients.  Our advocacy is ultimately for our clients, as they are the beneficiaries of the sound financial plans and of the products that we sell. Our strength is in the fact that we are advocating as Insurance and Financial Advisors that take their Grassroots message to the lawmakers and regulators on Main-street not Wall-Street.

I have copied & pasted in an article from the NAIFA website on the issue that we received immediate response from.

“NAIFA is gratified that the Department of Labor has decided to re-propose its fiduciary rule and clarify what types of investment information and fee arrangements will be exempted. We look forward to reviewing the new proposal with a singular focus on ensuring that middle-market investors continue to have access to affordable professional investment guidance for their retirement planning.”

NAIFA will work with DOL to ensure that any new proposal adequately protects consumer access to retirement savings products and services while ensuring that consumers receive investment advice of the highest quality and reliability. As NAIFA indicated in previously submitted comments to the department, any DOL proposal should:

      Not extend ERISA-based regulation to individual retirement arrangements (IRAs),

__  Include a robust seller’s exception to ensure retirement investors do not lose access to investment recommendations from broker-dealers and their representatives, and

 Not contradict the provisions of Dodd-Frank specifying that receipt of commissions and sales of proprietary products are not intrinsically fiduciary violations.

I am bringing this point up because of the type of Government we have in the United States is becoming blurred by some people’s perspective.

We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defense, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.

We the people for the people by the people, we need to become active as citizens of this great country and begin to define what type of system of government we want to be governed by.  Do we want to live in a free country?  Then we need to exercise our freedom and vote.   Participate in a group or as an individual to determine your own life or realize your own potential.   Freedom, in this sense, may include freedom from poverty, starvation, treatable disease, and oppression, as well as freedom from force and coercion, from whomever they may issue.

My main point is, if you have backed away or never have been one to get involved in politics at any level; if you are one of the people that the constitution is talking about; if you want to be governed by this type of system, then please participate in the process and be a part of this great country that is governed by the common people.  If I can go to Washington D.C. with a bunch of grassroots people just like me, and make a difference then we all can be a part of the process to help this country continue to be great.

The Mini-Cassia Chamber of Commerce works on the local level to bring the business & the farming community together to develop strong local networks, which can result in a business-to-business exchange. In most cases, local Chambers work with their local government, such as their mayor, their city council and local representatives to develop pro-business, farming, community initiatives & advocate working to assure economic vitality and quality of life within the region.

Let’s embrace the future with resolve to  make a difference in the outcome by involving ourselves with the process.

I look forward to visiting with you, please feel free to email me ( This email address is being protected from spambots. You need JavaScript enabled to view it. ) or get in touch with me if there is anything that

Respectfully submitted

David Hruza

Dear Chamber of Commerce Members,

Autumn is one of the four temperate seasons. Autumn marks the transition from summer into winter usually in September (Northern Hemisphere) or March (Southern Hemisphere) when the arrival of night becomes noticeably earlier.

The word autumn comes from the Old French word autompne (automne in modern French), and was later normalised to the original Latin word autumnus.^[7] There are rare examples of its use as early as the 12th century, but it became common by the 16th century.

Before the 16th century, harvest was the term usually used to refer to the season, as it is common in other West Germanic languages to this day (cf. Dutch herfst and German Herbst). However, as more people gradually moved from working the land to living in towns (especially those who could read and write,  the only people whose use of language we now know), the word harvest lost its reference to the time of year and came to refer only to the actual activity of reaping, and autumn, as well as fall, began to replace it as a reference to the season.^[8][9]

Yep, Fall is the greatest time of the year - warm during the day and cool at nights, and NO mosquitoes!

The alternative word fall for the season traces its origins to old Germanic languages. The exact derivation is unclear, the Old English fiæll or feallan and the Old Norse fall all being possible candidates. However, these words all have the meaning "to fall from a height" and are clearly derived either from a common root or from each other. The term came to denote the season in 16th century England, a contraction of Middle English expressions like "fall of the leaf" and "fall of the year".^[10]

During the 17th century, English emigration to the British colonies in North America was at its peak, and the new settlers took the English language with them. While the term fall gradually became obsolete in Britain, it became the more common term in North America.

I hope you got past the definitions and continued to read on;  I found it fascinating how we got some terms for the language that we use most of the time on a daily basis.

School is in session, or about to start, and that reminds us that fall is “just around the corner.”   A new school year, chances to make new friends, and catch up on all those self-made promises to do better this year at my studies. Kids are telling stories of what they did over the summer; the shock of getting up earlier in the morning is beginning to ease, and most of the kids are looking forward to class.  As we see  kids running to and from the busses, we are reminded to drive extra defensively, especially through those school zones!

The leaves are starting to change on the trees, bursting into a kaleidoscope of wonderful colors - one would almost think they are looking at a canvass painting by a Skilled Painter (well they are).

Changes are in the air.  Even if the temperature is still in the 80’s and 90’s, changes are happening.  The days are getting shorter and the crops are telling us that harvest needs to happen in the fields and in our gardens also.   I do hope that this growing season of 2011 has been a productive one for all of the Mini-Cassia area.

As the season of change occurs in Nature, there are also changes happening in our community and workplaces.  Change is inevitable, such as what is happening in our schools, economy, health care, taxes, just to name a few, flexibility in our lives is necessary because of the laws enacted by the State and Federal government.  We don’t want to stick our heads in the sand and deny that change may affect us.   I believe that we will want to have some input with what happens in our work place and community.  It might be time to join the Chamber of Commerce to add our input and support.

The Chamber of Commerce works on the local level to bring the business & the farming community together to develop strong local networks, which can result in a business-to-business exchange. In most cases, local Chambers work with their local government, such as their mayor, their city council and local representatives to develop pro-business, farming, community initiatives & advocate working to assure economic vitality and quality of life within the region.

Let’s embrace the future with resolve that we can make a difference in the outcome by involving ourselves with the process.

I look forward to visiting with you, please feel free to email me ( This email address is being protected from spambots. You need JavaScript enabled to view it. ) or get in touch with me if there is anything that

Respectfully submitted

David Hruza

Dear Chamber of Commerce Members,

We all like a county fair, food, fun, animals, flowers and friends; what more could we ask for than the fair.  Locals and tourists alike enjoy the old-fashioned mood found at county fairs. Nearly every Idaho County schedules an annual fair, complete with 4H and other exhibits, contests, entertainment, parades, good food and, in many cases, a rodeo. Lots of fun!

Fayre is an archaic spelling of fair, used mostly from the 15th to the 17th century. This spelling is now confusingly used for both fair and fare, the latter in the sense of 'food and drink'. In itself, the word means a gathering of stalls and amusements for public entertainment. The alternate spelling is an old-fashioned affectation and is used in order to remind revellers and participants of medieval fayres and markets. It is mainly used for fairs that are essentially leisure rather than business events like trade fairs.  (Wikipedia)

Beginning in the early 1800s, the first agricultural fairs gave rural families an opportunity to see firsthand the latest agricultural techniques, equipment, crops, and livestock.  Over the course of the nineteenth century, fairs also incorporated a wide range of educational, recreational, competitive, and social activities into their programs.  Within a few short generations, county and state fairs became a quintessential American tradition.

Since the early 1800s, fairs were about much more than education and amusement; they helped guide rural people through an increasingly modern world, whether it was introducing them to new equipment or forms of entertainment. Even today, fairgoers celebrate agricultural achievements and enjoy exhibitions, food carnival rides, entertainment, competitions, and well-known concert performers.

August is our fairs month so I have gathered some information from our county fair websites, about our county fairs that all residents of the counties can participate in or enjoy.  This is a great time to connect with neighbor’s,  friend’s, family and area residents.  Plan on spending some time at the fair and connect with community and enjoy the heritage that has been around for centuries.

Minidoka County - August 1-6 in Minidoka County - Information: (208) 436-9748

Cassia County - August 15-20 @ Burley - Information: (208) 678-9150

Welcome to the Cassia County Fair!
The Fair is more than a gathering of rides, animals, and cotton candy. It is one of Cassia County’s most cherished and celebrated events, where new memories are made and old memories are shared.
The Cassia County Fair has been, and still is, a collection of livestock exhibits, carnival rides, farm, garden and other exhibits. These events convey the county’s love of agricultural and home interests and define and unite us as a community.

http://cassiacountyfair.com/

As our country leaders debate about the debt ceiling and spending plans and what is best for our country.  When could be a better time to gather at a county fair with your neighbor, friend, relative, to listen, discuss, the issues that are important to pass on to those who represent us in the government either at the local, state or national level.  Richard Stallings former U.S. Representative for Idaho Second District 1985-1993 made this statement that the U.S. would never be able to balance the budget until people were willing to cut their own pet programs dollars to balance the budget.

Make it a point to visit the county fairs this year!

I look forward to visiting with you, please feel free to email me ( This email address is being protected from spambots. You need JavaScript enabled to view it. ) or get in touch with me if there is anything that