Podcast appearances and mentions of Tom Schneider

Part 2 of the debut episode of Allegedly Sports on the M|M Podcast. Longtime friend, strength coach and potential reoccurring co-host Tom Schneider for an honest, wide-ranging conversation on sports, culture, and competition. The two dive into Boston sports, NBA roster building, quarterback greatness, and why competing always matters even during rebuilds. Along the way, they challenge popular narratives, debate all-time greats, and explore how sports philosophies translate directly to life. This episode sets the tone for *Allegedly Sports*: real conversations, thoughtful disagreement, and no manufactured hot takes. Topics Discussed * Why podcasts are oversaturated — and why this one exists * Tom's background in coaching, fitness, and working with athletes * Winning vs. rebuilding in the NBA * Celtics post-championship reset and Jaylen Brown as a #1 option * The impact of the new NBA CBA * Patriots resurgence and Drake Maye's development * Quarterback greatness and legacy debates * James Harden, Jokic, Kobe, and what defines “greatness” * Why competition matters in sports and life

In the debut episode of Allegedly Sports on the M|M Podcast. Longtime friend, strength coach and potential reoccurring co-host Tom Schneider for an honest, wide-ranging conversation on sports, culture, and competition. The two dive into Boston sports, NBA roster building, quarterback greatness, and why competing always matters even during rebuilds. Along the way, they challenge popular narratives, debate all-time greats, and explore how sports philosophies translate directly to life. This episode sets the tone for *Allegedly Sports*: real conversations, thoughtful disagreement, and no manufactured hot takes. Topics Discussed * Why podcasts are oversaturated — and why this one exists * Tom's background in coaching, fitness, and working with athletes * Winning vs. rebuilding in the NBA * Celtics post-championship reset and Jaylen Brown as a #1 option * The impact of the new NBA CBA * Patriots resurgence and Drake Maye's development * Quarterback greatness and legacy debates * James Harden, Jokic, Kobe, and what defines “greatness” * Why competition matters in sports and life

Stuck N The Rut's Tom Schneider returns to the show this week and as always, it's a solid episode! Tom is a master mule deer, elk, and wolf hunter who always brings his A-Game to any hunt, and every podcast he does with me.    In this episode, Tom and I recap an exceptional hunting season he had. We discuss some wildlife management issues. I hammer the road hunters again and Tom shares some perspective on hunter involvement in management decisions. We cap the episode with Tom sharing some tips and strategies when targeting mature mule deer in from early season to late. It was such a fun episode to do, Tom is one heck of a Western big game hunter and as authentic as they come!   Tom on Instagram   Stuck N The Rut Website   Show Sponsors!   Phelps Game Calls - The game call company of The Western Huntsman! https://bit.ly/PhelpsGameCalls-Eastmans -Use Promo Code "Huntsman10" for 10% off! Leupold Optics- Over 100 years of American-made optics such as scopes, binos, spotters, range finders and more. Leupold sets the standard for innovation and quality without selling out. Leupold not only makes excellent products for any hunt, but they work hard for the future of hunting through their incredible support of many different conservation organizations. Support the companies that support you, check out Leupold here: https://bit.ly/Leupold-Eastmans  Browning X-Bolt 2 - Browning is perhaps one of the top brands in American hunting. We all know this company, and they've once again moved the bar to a higher standard with the X-Bolt 2 rifle. Available in multiple cartridges, this rifle is designed for maximum, Total Accuracy, right out of the box. The Vari-Tech Stock allows this rifle to fit any person of any size. The DLX Trigger with adjustable weights is smooth as ice, and hunters can take advantage of the Plus Magazine System when maximum rounds are needed. With too many features to list here, this rifle is a no-brainer. Check it out at https://bit.ly/Browning-Eastmans    Mystery Ranch Packs- These packs have a long tradition of quality and durability. Their new hunting pack line-up has everything from solid daypacks to backcountry sizes and women's sizes. This is huge! I've never been able to find a good pack for my wife and girls that actually fit them right until I found the women's Sawtooth. Impressive load capacities, great organization, tough, lightweight, and carried on the improved Mysterium frame. Link: https://bit.ly/MysteryRanch-Eastmans    Columbia River Knife & Tool CRKT- From tomahawks to pocket knives, every hunter should visit https://bit.ly/ColumbiaRiverKnifeAndTool-Eastmans and poke around for your next hunt. I've given my Chogan T-Hawk a real workout on the homestead and in camp. The hunting knife line-up has something for everyone, who doesn't love shopping for knives?? Eastmans Hunting Journals - What Western Hunter doesn't know Eastmans Hunting Journals?? I've been a fan and subscriber to the magazine since I was a kid, and you should too. Between the magazine, Eastmans TagHub, and the new Mule Deer eCourse, Eastmans has something for everyone and the tools every Western Hunter should have! Check it out at https://www.eastmans.com/   Hit me up at jim@thewesternhuntsman.com  

Hey everyone, Cody Rich here from The Elk Hunt Podcast, your go-to spot for all things elk hunting. From DIY backcountry grinds to chats with the legends who've been stacking up big bulls for years, we've got the stories, tips, and tactics to fire you up for September. In this killer episode, I sit down with Tom – an absolute beast in the woods who's one of the most underrated elk slayers out there. We dive deep into his solo hunt this year where he arrows a solid herd bull in thick timber, sharing the play-by-play on how he closed the deal without a caller. Tom breaks down his evolution from chasing runners as a kid to mastering herd bull setups, reading elk behavior like a book, and turning midday lulls into prime opportunities. We talk real talk on solo strategies – from minimal bugling to let curiosity do the work, to raking, wind plays, and picking your battlefield. If you're grinding solo or just want to level up your game, this one's packed with nuggets that'll have you rethinking your next setup. Seriously, bookmark this ep and spin it a couple times – it's one of my favorites all year. Don't forget to drop a review if you're digging the show, it helps big time. And hey, we're running a massive giveaway: a Weatherby Alpine CT rifle, Maven scope, and Tricer bipod – 100% free entry, just hit up the website and toss in your email for a shot at it. Let's get after it!Learn More from Tom Episode Sponsors Big shoutout to our partners who keep the hunts rolling – gear up with these and use code TRO for sweet discounts: OnX Hunt: The must-have app for e-scouting, marking boundaries, and navigating like a pro in elk country. Elite membership unlocks next-level tools to crush your hunts. Check 'em out at https://www.onxmaps.com/hunt and use code TRO for 20% off. Tricer Tripods: Fast, light, and simple gear built for the backcountry. Their tripods and bipods are game-changers for glassing and steady shots – I run 'em hard and they hold up. Head to https://tricerusa.com/ and snag the discount with code TRO. Stone Glacier: Minimalist, high-quality mountain gear from packs and tents to clothing and sleeping bags – lightweight and bombproof for those deep elk pursuits. I've trusted their stuff for years. Visit https://www.stoneglacier.com/ and apply code TRO to save. Episode Chapters 00:00 - Intro & Episode Tease: Cody kicks off the show, hyping the chat with Tom and why it's a must-listen for hardcore elk hunters.03:15 - Sponsor Shoutouts: Quick hits on Tricer, Stone Glacier, and the giveaway details. 06:30 - Solo Hunting Origins: Tom shares his early days learning from his dad, chasing runners, and his first solo herd bull kill 15 years ago.12:45 - Reading Elk Behavior: Breaking down herd bulls vs. satellites, why cows often lead the run, and using bugles to gauge intent.19:20 - Minimal Calling Tactics: Tips on curiosity killing the cat, raking for comfort noise, and avoiding over-bugling to close the deal.25:40 - This Year's Solo Hunt Story: The play-by-play on Tom's Idaho bull – setup, wind plays, raking exchanges, and the 20-yard shot.33:15 - Challenges of Solo Calling: Getting shots without getting pinned, using mouth reeds to stop bulls, and directing bugles for better approaches.39:50 - Midday Magic & Persistence: Stories of working bulls all day, bedding areas, and turning "runners" into kills once cows settle.46:30 - Decoys & Adaptations: When and how decoys shine (or don't), plus lessons from open country vs. thick timber.52:10 - More Bull Encounters: Tom's seven solo calls this season, reading scenarios, and a deep backcountry midday setup that almost paid off.58:25 - Wrapping Up & Lessons Learned: Final thoughts on always improving, post-setup reviews, and intro to Tom's courses.1:04:00 - Outro & Plugs: Cody's sign-off, giveaway reminder, and where to find more resources. Key Takeaways Let Curiosity Work for You: Instead of constant bugling duels, go silent or minimal after initial contact – elk often come in closer when they're unsure of your exact location, giving you better shot opportunities without getting pinned. Read the Herd Dynamics: Not all "runners" are the bull fleeing; often it's the cows leading the charge. Listen to bugle types to tell if the bull's talking to you or just herding cows, and wait for midday bedding to force a confrontation. Persistence Pays in Midday Lulls: Don't bail after morning action quiets – stick on a herd all day, pack food/water, and capitalize on bedding areas. Bulls are more callable once cows settle, turning long chases into kills.

Former Mayor Tom Schneider by

20250512 - TKS - Tom, Schneider, Martin by That KEVIN Show

Welcome back to The Fair Chase podcast! This week, we're pumped to chat with Tom Schneider from Stuck N The Rut, hailing from Idaho's wilds. Tom's part of a hunting family that's been killing it, literally, for decades, and their YouTube channel's stacked with over 300 videos of raw, DIY public land hunts. From awesome elk chases to grizzly showdowns, they've built a huge following by keeping it real.   In this episode, Tom covers how Stuck N The Rut went from local legends to YouTube heavyweights, all while dodging trail cam stalkers. We dig into the messy truth of predator management; wolves wiping out drainages, grizzly cover-ups, and why hunting claws and fangs is key to keeping ecosystems legit.   We also cover:  - How wolves turned thriving moose zones into ghost towns in just two years  - The insane grind of filming and editing hunts (half-hour sheep vids, anyone?)  - Why locals don't buy the “official” story on grizzlies and wolves  - Turning logged land into a deer and elk paradise with smart predator control   Follow us here: https://www.instagram.com/thefairchase/ https://www.facebook.com/fairchaseofficial/ https://www.linkedin.com/company/thefairchase/ https://x.com/TheFairChase1    SAVE 30% on TUO Gear! Promo code: TFC30 https://bit.ly/40yj1gL  

Former Florissant Mayor Tom Schneider talks County Prop B: McGraw Show 3-19-25 by

Die mittelständische Industrie in Europa sitzt auf einem gut gehüteten Schatz, den sie jetzt erst so richtig zu heben beginnt: unendlich viele Daten, die in ihren Maschinen und Anlagen täglich entstehen. Maschinen optimal nutzen, indem Hersteller und Kunden sie gemeinsam betreiben - das ist eine von vielen neuen Geschäftsmöglichkeiten, die durch Digitalisierung möglich werden. Die Zeit ist reif, um mit Datenräumen die Produktivität im Maschinenbau zu steigern. Wie dies gelingen kann, beschreiben Dr. Tom Schneider, Managing Director Research & Development des Werkzeugmaschinenherstellers Trumpf, sowie Christoph Herr, Industrial Evangelist Manufacturing-X des VDMA. "Wir müssen mit unserer Erfahrung und mit modernen Technologien Datenräume schaffen, um künftig unsere Innovationen zu bauen", sagt Dr. Schneider. Dann brauche Europas Industrie auch nicht in Ehrfurcht vor den großen Datenverarbeitungskonzernen (Hyperscaler) und deren Ankündigungen zu erstarren. Produktion: New Media Art Pictures

How can customers and operators benefit from Product-as-a-Service? By creating efficiency gains that both parties share. With its Pay-Per-Part model, TRUMPF developed a concept that forced the OEM to rethink major elements of its offering. In doing so, overall machine efficiency increased to a degree that customers and TRUMPF benefitted from. In this episode, Tom Schneider, Benedikt Braig, and Jörg-Andre Junker provide insights into efficiency gains and their requirements. This episode is the 15th in the series PaaS Decoded, 16 conversations about the fine details of product-as-a-service.

Finding mature mule deer can be a huge challenge to say the least. This week Dirk picks mule deer hunting expert Tom Schneider from "Stuck N The Rut" on finding and hunting big mule deer. Check out Tom's Mule Deer Masterclass here: https://www.stuckntherutmuledeermasterclass.com/md Connect with Jason, Dirk, and Phelps Game Calls MeatEater on Instagram, Facebook, Twitter, Youtube, and Youtube Clips Subscribe to The MeatEater Podcast Network on YouTube Shop Phelps MerchSee omnystudio.com/listener for privacy information.

In today's episode, we're diving into the latest market moves and so much more: Join us today as Tom Schneider, a Certified Market Technician and the Senior Education & Training Specialist at NinjaTrader, breaks down the essentials of technical analysis.

The crew over at Stuck N The Rut have one of the best hunting YouTube channels going right now. I got eh chance to sit down with Tom Schneider and have a great chat. We touched on a bunch of topics including hunting tactics, the history of North Idaho hunting and some of the courses and events that SNTR are offering now for up-and-coming hunters.   Tom Schneider https://www.instagram.com/sntrhunter/ https://www.instagram.com/stuckntherut/ https://www.stuckntherut.com/ https://www.youtube.com/channel/UCPAT7XECi55O62ZOsYxOO5A     Jay Nichol jay@mindfulhunter.com https://www.mindful-reviews.com/ https://www.mindfulhunter.com/   Forged In The Backcountry https://forgedinthebackcountry.com/   Merch https://www.mindfulhunter.com/shop   Newsletter https://www.mindfulhunter.com/contact   IG https://www.instagram.com/mindful_hunter/   Podcast https://www.mindfulhunter.com/podcast   Free Backcountry Nutrition Guide https://www.mindfulhunter.com/tools

Tom Schneider of Stuck 'n the Rut joins up with Long Range University Instructor Brian Poor. Elk hunting strategies are on the docket and there is plenty to cover. https://www.stuckntherut.com https://www.gunwerks.com/  

In this episode Brian sits down with Tom Schneider from Stuck In The Rut. Tom is a blue collar hunter that carries his work ethic into everything he does. He is able to find consistent success in tough to hunt units. The guys discuss that as well as how to hunt the thick timber. They also talk about structuring their lives to get enough time to chase their dreams in the mountains. A great conversation full of good information this week on EE.

Our guest is Tom Schneider, Global Head of R&D at Trumpf. He explains to Peter Seeberg what Trumpf's AI strategy looks like, which products he is developing with his team and why the machine manufacturer cannot solve everything on its own. Tom also explains existing AI based solutions by Trumpf and how he and his team build an AI Trumpf ecosystem. The Industrial AI Podcast reports weekly on the latest developments in AI and Machine Learning for the engineering, robotics, automotive, process and automation industries. The podcast features industrial users, scientists, vendors and startups in the field of Industrial AI and Machine Learning. The podcast is hosted by Peter Seeberg, Industrial AI consultant and Robert Weber, tech journalist.

Join Tom Schneider and Sy Kirk talking about trail cams in this episode.Our first ever live movie night in Northern Idaho is Friday April 26thYou can get your TICKETS HEREWe have a new website with hunts, apparel, and new events coming!stuckntherut.comJoin Tom at:Elk CampSheep CampWolf Camp

Peter Seeberg talks to Tom Schneider from TRUMPF about the OPC UA for Machine Tools Companion Specification initiated and coordinated by the German Machine tools builders' association, VDW and how this relates to UMATI.

By popular demand, Tom Schneider of Stuck N The Rut makes another return on the show! Tom is one of the most talented hunters I know. He has mastered hunting wolves, mule deer, elk, and bear and the Stuck N The Rut YouTube channel shows it all! In this episode, Tom and I discuss pursuing predators and seeing it as a duty to all hunters to improve balance. Tom feels more deserving of his elk and deer success knowing that he also hunted wolves and bear. I tend to agree with this philosophy, and nobody does it better than Tom! Movie night in Coeur d'Alene, ID link Wolf Hunting Masterclass Tom on Instagram Show Sponsors! Phelps Game Calls - The game call company of The Western Huntsman! https://phelpsgamecalls.com/  -Use Promo Code “Huntsman10” for 10% off! Silencer Central - Get started with a suppressor for your next hunt by going to the website here: https://www.silencercentral.com/ They make it very easy to get licensed, purchased, and set up so you can find out why getting a suppressor from Silencer Centrals is so popular! Hoffman Boots - Best hunting boots you'll ever own. Specifically, check out the Hoffman Explorers, hands down the finest mountain boot for Western big game on the planet, I guarantee it! Use promo code “HUNTSMAN10” for 10% off! https://hoffmanboots.com/hoffman-mountain-boots Spypoint Cameras - as a trail camera junkie, I am fairly picky about my cameras. Whether setting cell-cams around the property or regular cameras in the backcountry, Spypoint has delivered! Excellent photo quality, video, functionality, and my favorite part… Easy to use! Check it out at Spypoint.com! Savage Arms - Don't skimp on your next big game rifle. Savage Arms has redefined high-performance rifles built specifically for guys and gals like us! Check out the 110 with Accu-Trigger, I promise you won't regret it. www.savagearms.com Barnes Bullets - Since 1932, Barnes Bullets has been a leader in hunting ammo. The world-famous X-Bullet was the first expanding all-copper bullet known for its exceptional knock down power and performance. I have personally been using Barnes Bullets since 1998 and wouldn't recommend them if I didn't know for sure how well they perform. Check them out at www.barnesbullets.com Eastmans Hunting Journals - What Western Hunter doesn't know Eastmans Hunting Journals?? I've been a fan and subscriber to the magazine since I was a kid, and you should too. Between the magazine, Eastmans TagHub, and the new Mule Deer eCourse, Eastmans has something for everyone and the tools every Western Hunter should have! Check it out at https://www.eastmans.com/ Hit me up at jim@thewesternhuntsman.com  

Was haben Piloten mit Social Media gemeinsam? Das erzählt uns in dieser Folge Tom Schneider. Er ist Pilot bei Edelweiss Air und kennt sich nebenbei noch bestens mit den sozialen Medien aus. Im Gespräch mit Ferris erzählt er von seinem spannenden Berufsalltag, seiner Nebentätigkeit als Aviophobia Coach und wie er virtuell die Cockpit-Tür öffnet, um seine Liebe zum Fliegen zu teilen. Alle anschnallen, denn in dieser Folge geht es hoch hinaus! Mehr über Tom Schneider:LinkedIn Tom SchneiderInstagram Tom SchneiderSeminar Goodbye FlugangstMehr über Ferris Bühler:LinkedIn Ferris BühlerInstagram Ferris BühlerHier findest du uns:Webseite Ferris Bühler CommunicationsFacebook Ferris Bühler CommunicationsLinkedIn Ferris Bühler CommunicationsInstagram Ferris Bühler CommunicationsWebseite StoryRadarInstagram StoryRadarWir freuen uns sehr über eine positive Bewertung auf Apple Podcasts.Fragen oder Anregungen dürft ihr jederzeit an storyradar@ferrisbuehler.com senden.

Hear from Tom Schneider, a CPA whose previous accounting firm expanded paternity leave to 6 weeks but had no practical implementation to support new dads. The result: one dad criticized from taking leave and another who took less than what was offered.

This week, Tom joins the podcast to drop some knowledge bombs on all of you. Known for his exceptional skill in the mountains, Tom is remarkably consistent at hunting big bulls, even in some of the most challenging areas. This year, Tom spotted a promising bull during the archery season. Instead of risking scaring it away from the canyon, he strategically decided to return later with a rifle. Tom's hunting adventures spanned multiple states this year, including Idaho, Wyoming, and Colorado. Alongside his brothers, he navigated new territories and shared his experiences of tracking and hunting bulls in unfamiliar units. In this episode, Tom recounts the story of his personal bull in Idaho. We delve into the tactics he and his brothers employ for hunting big bulls, adapting their strategies to suit different areas. Tom also shares an enthralling tale about a double kicker 7x7 bull that eluded him for several seasons. His stroke of luck came from being in the right place at the right time, finally leading to a successful hunt. Tom's deep understanding of elk behavior sets him apart from most hunters. It's this knowledge that gives him a distinct advantage in the field. Note: Tom is hosting an Elk Hunting Clinic this summer, an excellent opportunity to immerse yourself in elk hunting expertise. With only 10 spots available, it's a chance not to be missed. If you're interested, email Tom at sntrhunter@gmail.com.

Tom Schneider sits down with Justin Small and Kate Small to talk about wolf hunting and wolf trapping, and their Western Wolf Academy coming up this summerContact Kate for the academy: katesmalloutdoors@gmail.comCheck out the upcoming camps: stuckntherut.com 

Liebe Hörerinnen und Hörer, in dieser Episode unseres Podcasts nehmen wir euch mit in ein Gespräch mit Tom Schneider, Lead Venture Architect bei Schenker Venutres und Co-Founder von NxtLog. Wir befassen uns mit der Identifizierung von Geschäftsideen, die das Potenzial zum Erfolg haben. Es geht darum, diese Ideen nicht nur zu erkennen und zu validieren, sondern auch effektiv in die Praxis umzusetzen und sie so zu entwickeln, dass daraus ein florierendes Start-up entsteht. Der Fokus liegt also auf dem gesamten Prozess: von der ersten Ideenfindung bis hin zum Aufbau und Wachstum eines erfolgreichen Unternehmens. Viel Spaß beim zuhören und bis zur nächsten Folge!

Tom Schneider from Stuck N The Rut TV joins us for Part 2 of our special on wolf hunting. He shares thoughts and strategies on how to hunt wolves and also on wolf management.  You can find his youtube channel here: https://www.youtube.com/@Stuckntherut1 and you can find his classes and contact here: Western Wolf Academy (in person camp) katesmalloutdoors@gmail.com    Wolf Hunting Master Class (Online Course) https://www.wolfhuntingmasterclass.com/1   Subscribe to RadCast Outdoors and never miss an episode by clicking here.  This podcast is proudly sponsored by: Bow Spider, PK Lures, Hi Mountain Seasonings. Please go visit our sponsors and thank them for sponsoring RadCast Outdoors by giving them your business. 

om Schneider ist CTO beim Weltmarktführer Trumpf, einen Vorzeigeunternehmen des deutschen Maschinenbaus. In den Bereichen Werkzeugmaschinen und Laser macht Trumpf so schnell niemand etwas vor - doch der Markt und die Kunden verändern sich. Und so muss sich ein CTO nicht nur mit Mechanik und Hardware beschäftigen, sondern auch mit Sensorik, Daten, Cybersecurity und neuen Geschäftsmodellen. Wo früher Werkzeugmaschinen als Inseln betrieben wurden, könnten heute Daten viel über den Zustand von Maschine und Produkten erzählen. Doch dazu müssen sich die Firmen - Trumpf ebenso wie seine Kunden - starken Veränderungsprozessen unterwerfen, alte Muster entsorgen und sich auf neue, riskante Wege einlassen. Und dies gilt nicht nur für den Werkzeug- und Maschinenbau, sondern für viele mittelständige Hidden Champions. Wir wollen von Tom wissen: Wie geht man so etwas an? Und was könnte das Erfolgsmodell der Zukunft sein?

Tom Schneider is what you would call a professional wolf hunter. Tom is a native of Idaho and has spent his entire life hunting and recreating in the wild of Idaho and Montana. He shares his observations of ungulate populations prior to re-introduction and post introduction. He also shares how to hunt wolves and gets into detail regarding wolf behavior.  You can find his youtube channel here: https://www.youtube.com/@Stuckntherut1 and you can find his classes and contact here: Western Wolf Academy (in person camp) katesmalloutdoors@gmail.com    Wolf Hunting Master Class (Online Course) https://www.wolfhuntingmasterclass.com/1   Subscribe to RadCast Outdoors and never miss an episode by clicking here.  This podcast is proudly sponsored by: Bow Spider, PK Lures, Hi Mountain Seasonings. Please go visit our sponsors and thank them for sponsoring RadCast Outdoors by giving them your business. 

Ein neues Geschäftsmodell einzuführen, wenn das bisherige erfolgreich funktioniert – kann das klappen? Trumpf, Weltmarktführer für Hochleistungslaser-Metallverarbeitung, probiert es aus. Maschinen nicht mehr nur zu verkaufen, sondern sie als „Equipment as a Service” dem Kunden hinzustellen und künftig nach gefertigten Stücken abzurechnen – das ist die Idee des Teams um Entwicklungschef Tom Schneider. Er hat ein Buch über seine Erfahrungen bei der Transformation geschrieben. Im Podcast berichtet er, was geklappt hat und wo die Herausforderungen lagen. Tom Schneider hatte schon einmal im hy Podcast von seinem Projekt berichtet. Jetzt zieht er einige Jahre später eine ehrliche Zwischenbilanz. Ein Werkstattbericht aus der Praxis der Geschäftsmodell-Transformation, wie er für viele andere Firmen und Branchen interessant sein kann. Und ein Erfahrungsbericht von einem, der auszog, ein Buch über seine Erfahrungen zu schreiben. Gemerkt hat er auch: Es gibt Parallelen zwischen dem Entwickeln einer Maschine und dem Schreiben eines Buches. Beide Prozesse erfordern Begeisterung, Kreativität, professionelle Unterstützung und sind iterative Prozesse, die zu einem Endprodukt führen. Eine Folge für alle, die Geschäftsmodelle transformieren und wissen wollen, wie es ihren Mitstreitern anderswo ergeht. Ihnen hat die Folge gefallen oder Sie haben Feedback für uns? Dann schreiben Sie uns gerne an podcast@hy.co. Wir freuen uns über Post von Ihnen.

In this episode, listen to our Q&A session from the 2023 Archery Elk Western Hunting Summit! We had a great panel for this Q&A, including Dr. Kaare Tingelstad, Dr. Hillary Lampers, Mark Livesay, Joel Turner, Tom Schneider, Brian Barney, Brian Call, Ryan Lampers, and Brad Hunt. Enjoy! @frontierdoc @dochillary @treeline_pursuits @joelturner_shotiq @sntrhunter @brian__barney @brian_call @sthealthyhunter @brad_whunt @huntharvesthealth The NEW Gritty Films featuring Pailey and Ryan's impressive Mule deer hunts have just been released HERE.  To celebrate the film, we're hosting a HUGE giveaway in collaboration with Gritty and The Western Hunting Summit. For every $10 purchased at sthealthyhunter.com, you'll have a chance to WIN an all-expenses-paid trip to the Western Hunting Summit 2024, along with other fantastic prizes. The giveaway ends this Sunday, July 26th, so hurry! Use code STHEALTHY at checkout to enter and enjoy a 10% discount. Don't miss out on this incredible opportunity to join us for an unforgettable adventure! Check out our Immune Support Probiotic! Join the Fortitude Challenge 2023! Get your Harvest Right Freeze Dryer during their sale now through the end of May to get $500 OFF! StHealthy Nutrition - CBD/CBN Melatonin FREE Sleep Gummies back in stock! Mixed Berry and Sour Peach! Visit Gritty Films on Youtube to watch the Coues Deer Series. Dress like Ryan with Stone Glacier! Go to Western Hunting Summit and get your 2022 ticket! Use STHEALTHY for $100 off. Give GOHUNT a try for Insider! Use STHEALTHY at checkout! Get the CLEANEST Pre-Workout on the Market! KONO for 10% off use code STHEALTHY Watch this podcast and other great videos on our StHealthy Hunter YouTube! New StHealthy Production Films coming 2023! Join Locals- Gritty/StHealthy and Hunt Harvest Health. Support GRITTY FILMS! Leave us a review on iTunes! This podcast is sponsored by StHealthy Hunter and StHealthy Nutrition Use code STHEALTHY when you purchase Treeline Pursuits E-Scouting for Elk. Use code StHealthy at Peax to get your Sissy Stix, Gators, and Backcountry Duo Headlamp! 10% OFF Sheep Feet Orthotics - Visit sheepfeethoutdoors.com and use code STHEALTHY10 See the amazing deals at Harvest Right Freeze Dryers for making your own backcountry food! To schedule with Dr. Hillary visit her Montana clinic, Elevate Health. Learn more about your ad choices. Visit megaphone.fm/adchoices

On this podcast we have a panel that consists of Ryan and Hillary Lampers, Brian Barney of Eastman's Elevated Podcast, Dr. Kaare Tingelstad, Joel Turner from ShotIQ, Mark Livesay of Treeline Pursuits, Tom Schneider from Stuck N Rut, Brad and myself answering questions LIVE. We are at the 2023 Archery Elk Western Hunting Summit. WIN a BRAND NEW PSE compound bow and a trip to the TOTAL ARCHERY CHALLENGE (all expenses paid) with us! All you need to do to be entered to win is shop at MTN OPS between now and June 25th at midnight. Every dollar you spend at MTN OPS is an entry to win! We will fly the lucky winner to Utah, get your bow fully set-up by our friends at the WILDE ARROW ARCHERY shop and you'll join us on the mountain for an epic day shooting bows at the TOTAL ARCHERY CHALLENGE event at SOLITUDE/BRIGHTON in July--we cover ALL of your expenses and gear! And you can win a huge GEAR PACKAGE if you visit our friends at the GOHUNT GEAR SHOP and buy some gear between now and June 25th. EVERYTIME you use the CODE "GRITTY" at MTN OPS or GOHUNT you save and YOU'RE entered TO WIN! As always, THANKS FOR SUPPORTING OUR SHOW! Get access to EXCLUSIVE CONTENT and interact with other members of the GRITTY/STHEALTHY COMMUNITY by GOING TO: https://gritty.locals.com/ AND BECOME A SUPPORTER! *CODES* FREEZE DRYERS— https://affiliates.harvestright.com/2074.html GOHUNT GEAR SHOP 10% Off-- Use code GRITTY https://shop.gohunt.com/discount/GRITTY COOLERS -- Blue Coolers -- Save 10% code: GRITTY https://bluecoolers.com/ GAITERS PEAX -- SAVE 10% -- code: GRITTY - https://www.peaxequipment.com/ TREKKING POLES PEAX - SAVE 10% -- code: GRITTY - https://www.peaxequipment.com/ MTNOPS SUPPLEMENTS: use code GRITTY at check out to save - https://mtnops.com STHEALTHY NUTRITION: use code GRITTY at check out at https://sthealthynutritioncbd.com/ STHEALTHY RIFLE COVER: use code GRITTY at https://huntharvesthealth.com/sthealthy-products OLLIN DIGISCOPING: SAVE 10% & FREE SHIPPING —GRITTY https://ollin.co DARK ENERGY BATTERY BANK: code: GRITTY https://darkenergy.com/ CRISPI BOOTS https://www.crispius.com/ BED ROLLS -- SAVE 10% -- code: GRITTY - https://canvascutter.com E-SCOUTING CLASSES ELK -- code: GRITTY - https://treelinepursuits.com BACKPACK INITIAL ASCENT -- SAVE -- code: https://initialascent.com/ SHEEP FEET ORTHOTICS -- Use code GRITTY. https://sheepfeetoutdoors.com/collect... GOAT KNIVES -- Use code: GRITTYGOAT - https://goatknives.com BROADHEADS -- 10% off Valkyrie Archery -- code: GRITTY - https://valkyriearchery.com GAME BAGS -- 10% off Grakksaw Game bags -- code: GRITTY - https://www.grakksaw.com BOOT DRYERS -- 10% off Grakksaw -- code: GRITTY - https://www.grakksaw.com GOHUNT INSIDER $50 Credit-- Use code GRITTY https://www.gohunt.com/user/register?plan=insider&promo=GRITTY GOHUNT Explorer Maps $20 Credit-- Use code GRITTY https://www.gohunt.com/user/register?plan=explorer&promo=GRITTY SHELTERS/ STOVES -- SAVE 5% -- code: GRITTY - https://bit.ly/grittyxSO GRILL — BIRCH BARRELL — SAVE 10% — code: GRITTY —https://burchbarrel.com MEALS HEATHERS CHOICE -- use code: GRITTY - https://www.heatherschoice.com FOOD — BACKCOUNTRY FUEL BOX -- SAVE 10% -- code: GRITTY - https://backcountryfuelbox.com BACKPACKING SUPPLIES - SAVE 10% at https://www.blackovis.com/ PACK RAFT -- SAVE 10% at Alpacka Raft -- code: GRITTY - https://www.alpackaraft.com STALKASINS Leather Mocasins -- SAVE 10% Use code: GRITTY -- https://www.lonepeakleather.com/ ____________________________________________________________________ Get access to EXCLUSIVE CONTENT and interact with other members of the GRITTY/STHEALTHY COMMUNITY! GO TO: https://gritty.locals.com/ AND BECOME A SUPPORTER! ____________________________________________________________________ GRITTY SHIRTS and HATS - https://briancall.com/shop/ Follow Brian! Instagram BRIAN - https://www.instagram.com/brian_call/... Website GRITTY - https://briancall.com/ SIGN-UP FOR OUR NEWS LETTER - https://briancall.com/ https://gritty.locals.com/ Brian Call www.briancall.com MB01ATZV2U3Q6NV Musicbed SyncID: MB01WBTPSNUDST4 Brian Call www.briancall.com Musicbed SyncID: MB01WBTPSNUDST4 MB01VP5HVWQTEXB MB01FB2AMDISG80 MB01L7SM4U94DUF MB01CIMJE8XKSUZ MUSIC: Artlist MUSIC LICENSE #: 631108

Tom Schneider is a life-long Cubs fan currently living on Long Island, NY. He is the co-founder of Bloomberg Sports, which was a tech product that MLB franchises used to run baseball operations. We chat about some entertaining experiences Tom had with former players and owners while working on Bloomberg Sports, what it's like to have children who are fans of rival teams, and why scouting is such a huge component of the overall health of a franchise. We also hear what it was like to be at the first MLB game post 9/11, and touch on where each of us thinks the next league expansion location might be. Find Tom Online: Twitter: @thetomschneiderFind Baseball Bucket List Online:Twitter: @BaseballBucketFacebook: @BaseballBucketListInstagram: @Baseball.Bucket.ListWebsite: baseballbucketlist.comThis podcast is part of the Curved Brim Media Network:Twitter: @CurvedBrimWebsite: curvedbrimmedia.comSportsBall is the subscription box created for the baseball fan who wants more. Each box contains a hat, a decal, and a souvenir item. Learn more at https://sportsballbox.com/

Host John Kruse chats with: 1.  Darcy Pfeifer with Sittin' Like It's Hot about their plush, water-resistant, heated camp chairs 2.  Keith Crowley about his recent hunt for Mearns Quail in Southern Arizona 3.  Tom Schneider with Stuck N The Rut and Roy Klingler with Idaho Elk Outfitters about a very special elk hunting camp they are putting on in June for ten lucky participants 4.  Danielle Doyle invites you to explore Alaska's 3500-mile marine highway on their ferry system  

Back by popular demand, Tom Schneider joins me this week!    Tom is one of the founders of Stuck N The Rut, a popular YouTube channel and Podcast, he's a lifelong hunter, fellow North Idahoan, and perhaps one of the most successful hunters I know. He's also known for his consistent ability to locate and kill wolves. In this episode, we wander through some wolf hunting stories and techniques, and discuss the impacts wolves bring to the landscape. We talk about some of the expectations that Coloradans should have on the upcoming reintroduction, and the realities of having wolves in the mountains you hunt. As usual, Tom brings his A-Game to this episode, and it's loaded this week! Tom on Instagram Wolf Hunting Master Class Online Course Email Tom for the Western Wolf Academy at sntrhunter@gmail.com   Show Sponsors! Phelps Game Calls - The game call company of The Western Huntsman! https://phelpsgamecalls.com/  -Use Promo Code “Huntsman10” for 10% off! Hoffman Boots: Best hunting boots you'll ever own. I guarantee it! Use promo code “HUNTSMAN10” for 10% off! https://hoffmanboots.com/hoffman-mountain-boots Eastmans Hunting Journals: What Western Hunter doesn't know Eastmans Hunting Journals?? I've been a fan and subscriber to the magazine since I was a kid, and you should too. Between the magazine, Eastmans TagHub, and the new Mule Deer eCourse, Eastmans has something for everyone and the tools every Western Hunter should have! Check it out at https://www.eastmans.com/ Hit me up at jim@thewesternhuntsman.com

On today's podcast I sit down with Tom Schneider from Stuck N the Rut. We talk about some of Tom's favorite hunting memories, how his siblings almost died from a bear attack and more. Be sure to go watch their films  @Stuckntherut1  Follow them on instagram @stuckntherut Also, be sure to check out their mule deer hunting class https://www.stuckntherutmuledeermasterclass.com/us and their wolf hunting class https://www.wolfhuntingmasterclass.com/ Get access to EXCLUSIVE CONTENT and interact with other members of the GRITTY/STHEALTHY COMMUNITY! GO TO: https://gritty.locals.com/ AND BECOME A SUPPORTER! *CODES* GOHUNT GEAR SHOP 10% Off-- Use code GRITTY https://shop.gohunt.com/discount/GRITTY GOHUNT INSIDER $50 Credit-- Use code GRITTY https://www.gohunt.com/user/register?plan=insider&promo=GRITTY GOHUNT Explorer Maps $20 Credit-- Use code GRITTY https://www.gohunt.com/user/register?plan=explorer&promo=GRITTY GAITERS PEAX -- SAVE 10% -- code: GRITTY - https://www.peaxequipment.com/ TREKKING POLES PEAX - SAVE 10% -- code: GRITTY - https://www.peaxequipment.com/ MTNOPS SUPPLEMENTS: use code GRITTY at check out to save - https://mtnops.com STHEALTHY NUTRITION: use code GRITTY at check out at https://sthealthynutritioncbd.com/ STHEALTHY RIFLE COVER: use code GRITTY at https://huntharvesthealth.com/sthealthy-products OLLIN DIGISCOPING: SAVE 10% & FREE SHIPPING —GRITTY https://ollin.co DARK ENERGY BATTERY BANK: code: GRITTY https://darkenergy.com/ BED ROLLS -- SAVE 10% -- code: GRITTY - https://canvascutter.com E-SCOUTING CLASSES ELK -- code: GRITTY - https://treelinepursuits.com BACKPACK INITIAL ASCENT -- SAVE -- code: https://initialascent.com/ SHEEP FEET ORTHOTICS -- Use code GRITTY. https://sheepfeetoutdoors.com/collect... GOAT KNIVES -- Use code: GRITTYGOAT - https://goatknives.com BROADHEADS -- 10% off Valkyrie Archery -- code: GRITTY - https://valkyriearchery.com GAME BAGS -- 10% off Grakksaw Game bags -- code: GRITTY - https://www.grakksaw.com BOOT DRYERS -- 10% off Grakksaw -- code: GRITTY - https://www.grakksaw.com SHELTERS/ STOVES -- SAVE 5% -- code: GRITTY - https://bit.ly/grittyxSO GRILL — BIRCH BARRELL — SAVE 10% — code: GRITTY —https://burchbarrel.com MEALS HEATHERS CHOICE -- use code: GRITTY - https://www.heatherschoice.com FOOD — BACKCOUNTRY FUEL BOX -- SAVE 10% -- code: GRITTY - https://backcountryfuelbox.com BACKPACKING SUPPLIES - SAVE 10% at https://www.blackovis.com/ PACK RAFT -- SAVE 10% at Alpacka Raft -- code: GRITTY - https://www.alpackaraft.com STALKASINS Leather Mocasins -- https://www.lonepeakleather.com/stalk... ____________________________________________________________________ Get access to EXCLUSIVE CONTENT and interact with other members of the GRITTY/STHEALTHY COMMUNITY! GO TO: https://gritty.locals.com/ AND BECOME A SUPPORTER! ____________________________________________________________________ GRITTY SHIRTS and HATS - https://briancall.com/shop/ Follow Brian! Instagram BRIAN - https://www.instagram.com/brian_call/... Website GRITTY - https://briancall.com/ SIGN-UP FOR OUR NEWS LETTER - https://briancall.com/ https://gritty.locals.com/ Brian Call www.briancall.com Musicbed SyncID: MB01WBTPSNUDST4 Brian Call www.briancall.com

I speak with Tom Schneider of Stuck N The Rut about all sort of hunting but mainly we talk wolf hunting and tactics. Tune in and check it out . and give his master class a look too! Learn more about your ad choices. Visit megaphone.fm/adchoices

December 30, 2022- Jim Getz, Commander of Macon County Law Enforcement Center, & former Sheriff, Tom Schneider joined Byers & Co to talk about the amendments to the SAFE-T Act, dealing with the constant worries that police officers will be in harm's way, & how post retirement is going. Listen to the podcast now!See omnystudio.com/listener for privacy information.

This week on the show, guest host Dirk Durham talks with Tom Schneider about everything wolf hunting. Wolf hunting -- even to experienced backcountry hunters -- is often a mystery. An encounter with a wolf seems to be more chance than the product of a dedicated pursuit. Tom Schneider, however, finds success targeting wolves year after year. In this episode of Cutting The Distance, Schneider lets the cat out of the bag when it comes to bagging dogs.  Connect with Jason and Phelps Phelps on Instagram, Facebook, and Youtube Shop Phelps MerchSee omnystudio.com/listener for privacy information.

October 27, 2022 - Tom Schneider and Jim Getz of the Macon County Law Enforcement Training Center joined Byers & Co to talk about the work and developments at their facilities and their upcoming Trick or Treat event. Listen to the podcast now! See omnystudio.com/listener for privacy information.

September 28, 2022- Former Sheriff & current Deputy Patrol Commander at Macon County Law Enforcement Training Center, and Chief Shane Brandel, of the Decatur Police Department, joined Byers & Co to talk about the SAFE-T-Act, the benefits of serving in the military, and what sets the Macon Law Enforcement Training Center apart from others training facilities. Listen to the podcast now!See omnystudio.com/listener for privacy information.

In this episode, Dani and Brett discuss chapters 9 and 10 of The Path of Daggers.We want to welcome Tom Schneider and Eva Thurman-Keup to The Wheel Weaves Patreon Team! Thank you so much for your generosity!Welcome to Charlie Haz, the newest member of our Producer Team! Charlie joins Esen, Benjamin, Passionsocks, Moltude, Mozyme, Michelle O'Brien, Jamie Young, Cody Fouts, Jonathan Reese, Magen Smiley, and Margaret! We would like to acknowledge and thank our Executive Producers Brandy and Aaron Kirkwood, Sean McGuire, Janes, Albert Lorenzo, LightBlindedFool, The Amyrlin Seat and Green Man!The Wheel Weaves is hosted by Dani and Brett, edited by Dani, produced by Dani and Brett with Music by Audionautix.Check out our partner - the Anti-Spoiler Wiki - Spliki.com - Your main first time reader, spoiler-free WoT information source!Don't forget to find us on Instagram and Twitter and come join the conversation on our Discord channel! Find us on Patreon to support us and to get access to bonus content and don't forget to leave us that 5 star review if you enjoy the show!Check out our Website for everything The Wheel Weaves! https://www.thewheelweavespodcast.com

Bernard Lee is at the WSOP and chats with Chris Wallace and Tom Schneider. 

Bernard Lee is at the WSOP and chats with Chris Wallace and Tom Schneider. 

You may or may not know this, but I love mule deer hunting. I've always considered myself fairly proficient at it too, until I met Tom from Stuck N The Rut! Tom is a master level mule deer hunter. He's notched muley tags all over the Western U.S. and while his last appearance on the show was centered around hunting wolves, this one is mule deer focused. Also, check out the Stuck N The Rut Mule Deer Master Class! This digital course will walk you through the secrets that have proven year after year that Tom is an expert mule deer hunter, and he's willing to help you become one too! Mule Deer Master Class Stuck N The Rut on Instagram Show Sponsors and Discounts! SKRE Gear - High octane hunting attire without breaking the bank! https://www.skregear.com/  -Use Promo Code “thewesternhuntsman” for 15% off and free shipping! Phelps Game Calls - The game call company of The Western Huntsman! https://phelpsgamecalls.com/  -Use Promo Code “Huntsman10” for 10% off! The Elk Collective: An absolute game-changer in self-education. This virtual elk hunting course offers over 140 videos of instruction delivered through the best elk hunters on the planet. Use promo code “thewesternhuntsman” for $20 off the entire course, and go into the elk woods with a lot more confidence this year! Visit the website: https://theelkcollective.com/  Hoffman Boots: - Best hunting boots you'll ever own. I guarantee it! Use promo code “HUNTSMAN10” for 10% off! https://hoffmanboots.com/hoffman-mountain-boots Tactacam -Filming your hunt has never been easier and more affordable! https://www.thewesternhuntsman.com/product-category/gear/ Bait Em 907 -Use promo code “Huntsman10” for 10% off of all bear attractants and other products. https://www.baitem907.com Follow us on Social Media! https://linktr.ee/westernhuntsman  

In the midst of the popularity of the documentary ‘George Carlin’s American Dream,’ WGN Radio’s Karen Conti is joined by attorney Tom Schneider to discuss the time he was asked to prosecute the legendary comedian only to end up being called to his defense. The conversation eventually turned to a discussion about our First Amendment […]

In this episode, we are joined by Matt Crawford and Alex Fischer, two Roofstock Certified Agents, to discuss the Greenville and Spartanburg South Carolina markets. We cover the different asset classes, neighborhoods, demographics, price points and return metrics, short term rentals, geographic considerations and much more. If you want to learn more about investing in South Carolina, Matt and Alex have the goods. Contact Matt and Alex at: acquisitions@evernest.co --- Transcript Before we jump into the episode, here's a quick disclaimer about our content. The remote real estate investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   What's going on everyone? Welcome to another episode of the remote real estate investor. I'm Michael album and today I'm joined by Matt and Alex, two of our agents as part of Roofstock Certified agent network down in South Carolina. And they're going to be talking to us today about the Greenville and Spartanburg markets and everything we as investors need to know about it. So let's get into it.   Matt Crawford, Alex Fisher, how are you guys?   Man? We're doing great Michael here. Thank you guys so much for having us. Good to be here.   I guess. Yeah, our pleasure. So I know you because I work with you guys regularly as part of our certified agent network with Roofstock. But for anyone who might not be familiar with who you are, give us a quick rundown who you are. Where do you live? What what markets do you operate in? And what is it that you're all doing in real estate?   Absolutely. So for everybody out there, you know, welcome to the Roofstock remote podcast as you guys know, Michael, he's a champion of the people he's the one in the van rockin. But for us, you know me now it's we're the greatest broker Team roofstock has ever seen. That lightly, but I do mean it. I think we're very passionate about we, that what we do, how we present the products to you guys, as consumers. And as the educational base, you know, we're very thankful for the opportunity. So we represent a couple of markets here in South Carolina. It's where Alex and I are born raised. Alex, you want to add two cents on top of that, sir?   Yeah, I mean, obviously, our hometown is Columbia, really anywhere in South Carolina. That's where we have most of our experience. And you know, we love doing nothing more than trying to get out here and make some people some money and find some good deals. So our obviously our go to is going to be South Carolina areas. Love it.   And why did you guys partner up? And how did you two meet?   That's such a long story. But it's been we've been kicking it for, like 12 years. And and you know, and we're both we're both 32. So I mean, we were we were young lads and our ladies at the time were like best friends. And you know, Alex's wife was always talking to my girl about meeting Alex and I thought he was strange because he was like, a financially adept teenager, like Alex had his first house and like nine years older, or like, 19, whatever. Don't none of those. And meet Alex just kept kicking it in. You know, Alex was working at one of the top four consultancy firms. PwC. And I was out in Denver, sort of so notes and Alex, you know, hats off to him. He'd call me like, every week, checking up on me, and it's like, Matt, you know, we got to get new real estate, we have the potential. He really convinced me to move back to South Carolina. And fast forward five years. We have our own companies now.   Love it. All right, you too. Well, let's talk about Greenville and Spartanburg, South Carolina. It's a market that I'm not very familiar with. And so we're going to, you know, talk to me, like I'm five years old walked me through. Why is are these markets? Interesting? Why should people be interested in investing in rental properties in these two markets? Yeah, so   I guess the main differences between, you know, the Upstate and Columbia is property values are a little bit higher. You know, Greenville is an incredibly cool city, especially compared to Columbia. So it's, it's pretty big, and it's owned, but there's a lot around Greenville, which would, you know, be the mountains, you know, it's convenient to the beach, which is maybe about two and a half, three hours away. But also, you've got the North Carolina, you've obviously got, you know, Clemson around the area. There's a lot of opportunities in regards to Reynolds because there are a lot of colleges around there. But you know, our biggest thing is pushing the appreciation, you're going to see that the rents are not keeping up as much with the property values are at least as quickly. But the good news is they are good opportunities for long term holds because of the appreciation and from what we've been seeing the appreciation there in the upstate in general is just much stronger than it is in Colombia, that the good thing about Colombia is the opportunity for rents because the rents are keeping up with the property values, but I think we're going to see a lot of that stuff slowly. You know, I guess level off a little Bit just based on how the market is kind of moving now. So then the rents will eventually kind of just end up evening out with what the appreciation is actually doing.   And Matt, who are some of the big employers, I know, Alex, you mentioned, Clemson and a lot of colleges around there, but are other than college students and college faculty. What are people moving to the area for for your typical jobs? I mean, are there big employers there?   Yeah, you know, I think Michael, you know, putting you in the frame of mind of like a new investor coming into South Carolina, and for all the investor, and whether you're 18 years old, looking for your first rental or a seasoned investor with 100 properties, I always like to sort of start at the origin story of the market. And Greenville upstate in general, is like the textile industry of the US. I mean, you got to look historically, in South Carolina and the South, you know, this is where a large majority of the cotton of the Indigo dies of anything the derivative of the textile industry, really was created. And that really set its roots into Greenville and to Spartanburg itself. So Greenville still has a ton of products from that era, which include huge textile mills. What that means from an investor's standpoint, is that you had all this workforce housing, you know, even my mom was from easily, which is about 25 minutes from downtown Greenville. They grew up on the Mill Hill. And so as you can imagine, it's perfect substance for the gentrification to happen, you know, and it's not 20 years ago, where we could buy a house for 75,000. And now it's worth 500. But you can still follow that development curve does molding out of Greenville into areas like easily fantastic market to look into. The biggest one, I think the all star of this podcast for everyone listening is going to be Travelers Rest. And I think Alex knows a lot about this as well. Because Greenville on the Clemson grab, right, Clemson, Clemson Tigers, you know, we're about 30 minutes past Greenville. And so I got to see this beautiful development happened in Greenville, which is just created a pretty high saturated market. So now for any investors and yourself, Michael, you know, I think pushing to the satellite markets that are still quite contingent to Greenville population and economic drivers makes the most sense. So that's really were trout interest is becoming an all stock market, low property purchase prices, you know, you're talking three twos 175,000 or less, the really good median rents, almost to the 1% rule. I don't think it's as sexy as here in Colombia. It is just because Greenville has already seen so much more maturation than here in the middle the state says Greenville, so biggest thing on Greenville. Here we go Pierre's driving in and if we drive in, travelers risks going to be you're looking at o'clock at 11 o'clock to us. So guys, if you're out there, you're wanting to see properties. I can guarantee if you Zillow, Greenville, you're gonna see stuff for like 300,000 400,000 that rinse 2500 or so now you go up to Travelers Rest, those economic numbers are totally going to flip flop. So please feel free to look at these kinds of products is the same MLS as Greenville. So Alex and I will be publishing properties. And then if we come back to the center of the city in Greenville, and look at nine o'clock on the clock hands, you're going to look at easily so it's directly to the left of Greenville. Sort of right in the left there to the screen. Thanks, Pierre. Also a great case study for what's happening in this market. As a lot of the renters, the investors and the development dollars are starting to bleed out of Greenville, which is sort of the cool analogy as Greenville really had its foothold in the indigo dye business. So if you can imagine this indigo dye starting to come out of this central geo easily is fantastic. You can still find great inventory. But even as Alex and I thought, Hey man, let's open up the upstate with roof stock ease these going to be just fish in a barrel. It's not the case. You know, it's still very, very saturated with investment and institutional dollars, which puts Traveler's Rest as my number one submarket   You heard it here first, ladies and gentlemen. I love it, Matt. And to give people kind of a frame of reference, what was the general population of Greenberg? MSA?   Yeah, I think it's almost like 500,000 Okay, so it's pretty massive city. definitely bigger than I think it's like the fifth or sixth largest city in South Carolina. I definitely Being a local think it's like, probably number two of like, most sought after livable millennial culture cities. I think it goes Charleston and probably Greenville. And you know, guys, if you're looking for Airbnbs, totally different ballgame, we're talking totally different set of data here. But the short term rental market in Greenville is off the charts. And I think that is, yeah, definitely is perfectly perfectly tied to the nightlife and the culture that Greenville has done. And even just to dig a little deeper here, you know, 25 years ago, there really wasn't a main street or a main vein in Greenville, in fact, what they call false Park, which is a main park, and mainstream Greenville was beautiful, natural waterfall, it was actually covered by an overpass right here appears on a false park on the reading. So the Reedy River cuts to the city, this used to be covered up. And now in the last 10 to 15 years, they've probably dumped 100 million or more into this gorgeous walkable facility that has these natural features are just a beautiful suspension bridge. And that is has created this really nice culture that is in Greenville. And I think that's why the short term rental market really works if you're looking for higher property purchase prices, but I think your Airbnb models will be rock star here.   That's really interesting that and so talk to me a little bit about property taxes, because I think that's something that's always on people's mind is one of the a big expense that can either make or break in investment. So how do those work in in South Carolina? Or maybe more specifically, in Greenville?   Yeah, so typically what we do, and a lot of people don't realize this from the get go, but everybody's looking at Zillow, you can go to any house, and you can see what the roughly what the what the taxes would be. However, with Columbia, South Carolina, in general, the property taxes are different, you know, there's two different types of property taxes, you got an owner occupied and the non owner occupied and people don't realize the non owner occupied is obviously, you know, the, these big investors that come in, these are the taxes that these guys are gonna have to pay the small guys, whatever. So when you live in the house, and you look into Zillow, you're gonna see one number, but in reality, that number can essentially be doubled, when you start to consider that you're actually going to put a renter in place, which is a huge buzzkill for a lot of investors. But at the same time, once you kind of understand that is the case, now you can kind of work your numbers around you can kind of you'll you'll look in a different direction for the opportunity, I guess you could say. But typically, what we tell people is when it comes to taxes, the non unoccupied rate is going to be roughly and again, this is just a rule of thumb, this is not exact, is about two and a half percent of the purchase price that will give you a good gauge on, you know what your monthly cash flow would be. And as you can imagine, you know, what I would say is, you know, the owner occupied tax rate is probably around one to, you know, one and a half percent. So as you can imagine, you do the math, it's almost double what the the owner occupied rate is, which is very unfortunate. And that's probably been our biggest hurdle for the South Carolina markets. But again, you know, it just allows us to kind of, you know, I guess stretch our fingers out and see what we can find in regards to more off market properties. Maybe some smaller homes, but it really does make it more difficult for investors to actually go out and find something just because it does, it does hurt the cash flow a good bit.   Yeah, that makes total sense. And we talked a lot about Greenville. What about Spartanburg? What Should folks be aware of and where should they be looking out there?   Okay, cool. Cool. Let's uh, so drive the car, probably about 45 minutes east. And now we're at Sparkle city baby, which is sort of just a local term slang for Spartanburg that I can give no context to. I have no idea why they call it sparkle city, but it makes for a fantastic nickname. Totally. So we're driving the sparkle city. Or we're laying it down and to me, and I think even to Alex's standpoint, I'm a bigger fan of Spartanburg than Greenville. Granted, you know, snagging the Airbnb downtown mainstream Greenville. Sounds awesome. I think if you're looking to build long term rental portfolios, maybe two or three a year you're wanting to be in Spartanburg. That's just because it's more like a It's not rural in the sense, but it's more workforce housing. I think Greenville, you're going to be playing with a lot of individuals that are potentially, you know, making 80 to 100 grand a year. Not necessarily looking for a true three two rental whereas in Spartanburg it's definitely labor force and I think you find that labor force In the biggest BMW plant in the southeast, so BMW Michelin all have one of their largest manufacturing plants, right outside of Spartanburg. I think all the x five series beamers in the world are made here in this BMW plant. Which is beautiful. Yeah. So like you drive by it as it's as gorgeous setup. So really, really cool. And I think that's driven, this workforce class of tenants that you would see, of course, there's 10 colleges in Spartanburg. And if you were to visit Greenville, you're like, oh, man, this place is poppin. Like, there's Michelin star restaurants. In a beautiful downtown, you go to Spartanburg, there's like, you know, mom and pops, Biscuit Company, you know. But what you want to see, and from an investor's perspective, which I think looks good, is right downtown, is this brand new five star hotel, super swanky, beautiful rooftop, you walk into it, and you're like, oh, there's money here. Something's happening. And so to me, that says that a lot of these development dollars that have been looking around different GEOS here in South Carolina, finally, have seen Oh, Spartanburg is a super viable market, I would say maybe it's like Greenville, 15 years ago. And talk quick numbers. Whereas if you were in Greenville, your three two is 250,000. Your three two here is going to be a buck 50. So I mean, we're talking about $100,000. And price changes now that is reflected in the rent rates. That three two in Greenville is definitely a 1550 1695 monthly rent products. That same three two here in Spartanburg, you know, you are going to be looking at like 900 to $1,200. And I think that's just positioned on the type of tenant that we're commonly seeing here. But inventory is easier, you're not going to have such a saturation of buyers unless bidding wars. So I'm big fan and pro tip, bing, bing, bing, for everybody out there listening, I think, I don't know if you're gonna make that a sound but I'll do my own AdWords. I think that you know, me and Alex like, you know, we're we're we have a large acquisition base for different companies. And we're last two years has been a gauntlet with interest rates at 2.3%. Back in January of 2021. As of this year, this month, I just checked really like 5.6. And what we're seeing when we're checking foreclosure lists, we're looking at so many different counties across about 30 Different in essays is things are doubling every single month as far as foreclosures, as far as the evictions that are actually being filed in process. So what that means for you guys, as investors in the audience of the podcast is you get your cash ready. I think the bidding wars are the are finally starting to water down. So whether it is green, or whether it is Spartanburg, you're gonna see a lot more inventory and I think you're gonna have a lot more purchasing power, especially if you're coming with some kind of liquid cash on the deal.   Okay, good to know and what areas of Spartanburg really excites you.   You know Spartanburg,   if you made your number one call for Greenville, what's your number one call for Spartanburg   easy shot right in the heart of Gaston. Gaffney is just a subset right out of Spartanburg, you know I think Spartanburg is old enough to where you can put a stake downtown, though a 30 mile radius around it, and go shopping. That's how I would look on Zillow. But Gaffney in particular, a sub market really great, right on.   And if someone is coming into the South Carolina Market, just in general, or maybe these two markets specifically, what things should they be aware of? What's kind of common practice par for the course, like as an example out in California, we have termites, and so if you see a little bit of termite damage, that's not the end of the world, you can get it fixed, depending of course, about where it is and how pervasive it is. But what are some things that people should expect to see that might be red flags in their home market, that they shouldn't be too worried about?   Let's see around here. One of the more common things that, you know, becomes concerning, I mean, it comes concerning to anybody, but it is pretty normal. It's just more foundational issues. You know, having cracks in the foundation, unfortunately, is normal. But you know, when and I don't know how it is in California, but I know the second somebody sees you know, foundation cracks and stuff like that. It's definitely it becomes something very worrying. But from our perspective, we're like, look, this is normal. You know, we there's plenty of companies don't get me wrong, there are expensive, but there are plenty of companies that can go and help remediate that. At However, even at that point, you know, it's pretty easy to gauge, especially on the inspection reports how severe it's going to be. As long as it's nothing that's like, overall, structurally is going to be concerning, then we don't see it being a big deal just because it is normal. But again, that's from our perspective, we've never seen anything major come up. And if we do, you know, we were able to read through the inspection report and say, you know, hey, maybe we should get one of these guys out here from you know, foundation companies go have a look. But outside of that, from our perspective, that's fairly normal on any house, you end up going under contract on.   Yeah, totally agree with Alex there, we get all the crazy questions to Michael. A lot from this, this Cali investors are coming in even New York people. I'd say like, every time we have a California guy or girl, which we love, y'all, and we've even had a couple of really amazing people come meet me and Alex, here in South Carolina, from the properties that we've helped acquire. So shout out to all those guys, but they're always like, doing the hurricane insurance or like Ardea tornadoes, which is a regular thing to ask the Dow none of that, you know, soccer right, super chill, you know, especially Columbia. We're landlocked, you know, Charleston, definitely, you're gonna have hurricanes. But Greenville, it's good. I think on average is like five inches of snow, which is hit or miss. So very mild climate, and even sort of changing that question of as globally for South Carolina as an outdoor investor, what I would say to make it interesting is like, follow football. It was just about, you know, football, I think is really important to the nature of these different cities. So you know, Clemson University, if you're paying attention to that college, when they were rockin, it created this huge investment opportunity like massive, I cannot express how big the in real estate investment opportunity that was created offset football program. And it's the same thing with the Charlotte Panthers. They're building a brand new practice stadium and Rock Hill, investors are looking at these different data metrics. And even in Columbia, South Carolina with the University of South Carolina's football program is I would just pay attention to those sorts of fun monikers. And that's just another lens to look at an investing and what is important to that specific Geo. And those are just one of the very relatable things here in the South Carolina Market.   Now, that makes total sense. I know one of our other coaches, Tom Schneider, he loves looking at sports teams, and where they're moving and where they're building stadiums, because that's a huge, huge indicator, like you mentioned about like the hotel, big money going into an area. That's great. That's great. I'm curious to know, from your guys's perspectives, what should buyers be aware of how can they be more competitive? And how can they work better with you all and your teams to be competitive and win offers?   Well, so I'll actually say from my perspective, just to kind of give my quick little two cents, because we do see this daily. But our biggest thing is, you know, we've got a team of people that are behind, you know, the whole coordination piece, our number one goal is to get offers out the door at this point is kind of like you got to unfortunately, this isn't like it was two years ago, maybe you can make an offer on a house. And you know, there's only two other offers on it. Now. It's like you make an offer on a house. And now there's about 20 to 30 other other offers on it when you consider in these bigger markets like Columbia, Greenville, and Spartanburg. This is where all the big institutional guys are. And so these big institutional guys are buying in cash, which means you know, if you're buying through financing, it's going to make it very, very difficult to be competitive, especially with a lot of these guys doing, you know, three day diligence, five day diligence, which is something we don't really recommend, mainly because you know, it's very difficult to even get anybody out there and then get a report back. So our biggest thing is and kind of what we we feel like we can control on our end is the amount of offers that actually do go out. So instead of just pinpointing and finding, like, Hey, this is my favorite property, I want to try to win just this one. Our goal is, look, you just got to start, you know, shooting out offers, which is what our team is capable of doing. And then just hope that one sticks in don't get me wrong, obviously, we want the offers to be calculated. But you know, if you kind of get this tunnel vision and try to purchase one house and try to win that one house, you're you're going to be disappointed. There's nothing wrong with just trying to shoot out some offers. That's what our team can do. And all you got to do is just let us know where you go. Obviously go to roofstock and just start clicking on. Hey, I want to make an offer here. I want to make an offer here. But to your point, I mean people are getting over bid. The market right now is kind of unfair just because of these institutional guys. So if there's anything we could at least just give somebody as a takeaway is just make offers. Right now it's a numbers game and hopefully one will stay Pick, but you'll be a lot more likely to stick something than you would if you just try to, you know, kind of become narrow, narrow vision and try to make one offer at a time. It's just going to make it very, very difficult which is with with the way the market is now.   Yeah, makes total sense. Well, sir, I agree. That's perfect. Yes. Awesome. Well, guys, any final thoughts, tips, tricks, tidbits for folks that are listening things you think you want people to be aware of, of South Carolina Market?   You know, I think the, you know, quick sentiment, you know, to leave with you guys out there is, you know, me and Alex have been doing this for quite some time. I know, we're, we're young in blood, but we're old and experience, we're, you know, probably pass or 25th 100, you know, transaction, we've been a part of all these have been investment base. So we're not a residential agent. We're both brokers. So we really have put this as our passion, and our our life loads to support our families. So I think being a resource for you guys, your boots on the ground, providing all of our resources, we do our own flips. And we know the headaches with the flips, you know, we've gone through several, many several Renaud teams, and we've had to create processes and procedures to make sure that we're hitting our numbers and our timelines, and all of that experience, and physical resource, all these teams will be more than happy to open up that toolbox for you guys. Same thing with lenders, you know, dealing with, you know, tons of roofstock, transactions and ELTs. And otherwise, you know, we've pinpointed the best of the best. So, that being said, you know, I'm really, really proud of the team, Alex has helped create, the toolbox that we pieced together, and the family that we met at roofstock. And we want you guys to dig in the toolbox. Come and play. And I think we do it a little different. And that's what makes us stand out. I think, not just selecting property by property like Alex's was saying, Look anywhere look on Craigslist, Zillow, you know, wherever you want to and send us five properties and we don't mind drafting up five offers going out fishing, and if one hits great if several hit, you know, buy them all or pick the best one and we can drop during due diligence. You know, the biggest thing and I will put this star on our chest is we've never lost earnest money in our entire career. And that's because that's pretty impressive. The systems and the communication, you know, that's, that's over 2000 deals we've gone we've never lost it once and I remember Alex was like, Dude, we're never going to because he's, he's come from that consultancy background he has processes and automations to protect you guys and so love to show you these features, talk shop Let's rock and roll and really appreciate everything   Right on. What's the best way for folks to get in touch with you guys?   It's gonna be acquisitions@evernest.co so evernest.co And how I would like to do it is just shoot us an email and the team will set you up a call with me and Alex if you want to just chit chat or if you just want to jump into the rain like email five properties and say hey, I want to run these through the byo P program we Russa heard your podcast It was very strange.   And and we'll hook you up man this is like getting smarter. So that's a you know that's a sale how easy it is and we'd love to show you South Carolina. Another quick thing as you know, me and Alex do this across about probably like 10 states now you know we're from Texas, to Florida and about the southeast coastline. And I still very much like South Carolina and the data shows it has a lot of fruit. So come and join us and let's get financially free   Right on well thank you for taking the time hanging out with me I really appreciate it and can't wait to see we both go from here.   Michael you're the greatest, Pierre back there driving the ship Thank you sir. And to everybody tuning in. Keep catching the next episodes and good luck investment.   Right on, thanks guys. Talk soon.   See ya.   Okay, everyone, that was our episode A big thank you to Matt and Alex for taking the time hanging out with me and giving us all a driving tour of Spartanburg and Greenville. Definitely, definitely two markets that are worth checking out. As always, if you liked the episode, feel free to leave us a rating or review. Those are super helpful for us, and we look forward to seeing in the next one. Happy investing

Today's guest on CPG, Tom “DonkeyBomber” Schneider, is a man of many talents. Among those talents are singing/songwriting, entrepreneurship, c-suite businessman, writing books, and public speaking.In the world of poker, he's primarily battled in high stakes live cash games over the decades while also dabbling in MTTs & racking up over $2.3 million in lifetime cashes and snagging the WSOP Player of the Year.Simply put: the man's a quintessential high performer and a treasure trove of hilarious poker stories and wisdom.In today's episode with the DonkeyBomber, you're going to learn:- Why believing you're always playing your best has serious consequences in your poker career.- The hilarious story behind Tom's DonkeyBomber nickname.- Why you should trust those bad feelings in your gut in the middle of your poker sessions.- And much, MUCH more!Now, without any further ado, it's my honor and privilege to bring to you a legend in the world of poker… the one and only Tom “DonkeyBomber” Schneider.

With all the current uncertainty in the markets, recent interest rate hikes, and the fed's talk of continuing to hike rates through out the year, the decision to refinance should be made carefully. Why are you trying to refinance? For cash out? To lock in a rate? To take advantage of current rates before they increase even more? In today's episode Emil, Tom and Michael discuss what they think is important to consider before deciding, and Michael shares his recent experience with a lender backing out of a deal.   Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   Emil: Hey everyone, welcome back for another episode of the Remote Real Estate Investor. My name is Emil Shour and today I'm joined by my co-hosts…   Tom: Tom Schneider   Michael: and Michael Albaum   Emil: …and on this episode we're going to be diving into refinances. Is it too late as rates are going up, or should you do it now or what's what do we all do it? So let's hop into this episode.   What are we doing with our lives? Hey, guys. Hey, Tom, welcome back.   Tom: Yeah, yes. What's up Emil, what's up, Michael?   Emil: How you doing?   Tom: Excellent, excellent. Hey, but a quick, quick personal note. I was been working in my garage trying waiting to build this little lot of land and I started getting lightheaded and I realized that there is some just kind of like, toxic fumes in my garage. So back in the house, so apologies if you hear some baby noises while we're waiting to build out the exterior office. That's my yeah, I am doing good man, not not lightheaded anymore, so…   Michael: and the baby's not in the garage?   Tom: ….Right Dukes of Hazzard area. Yeah, we switched babies in I mean, it's good young lungs, like they feel. Obviously…     Emil: Did you have the gas company come out and like, report on, what's going on?   Tom: I did, they gotta have to come back again. So they came out, I mean, there's like two like gas entry points into the house. There is like a little further away the house like, like a little gear thing you tighten and then next to the house, there's the meter. They replaced all the meter stuff and I think it helps, but there's still stills of issue. So anyways, don't want to go too deep into that rabbit hole, yeah…   Michael: Never a dull moment with Tom Schneider.   Emil: Alright. Well, I'm glad you are alive, your brain cells are hopefully intact for this episode and yeah, let's get rolling. All right, so we're recording this, it is April 11. Interest rates have been climbing pretty quickly. I think I'm hearing four and a half 5% plus, when we were in like, you know, I got to 2.8 on my primary back in November, so four or five months, pretty crazy how quickly rates have gone up? And Michael, I think you have some pretty interesting going on you were in the middle of a refi currently. And give, I'm not gonna put words in your mouth. Go ahead, tell us tell us what's going on.   Michael: So not even in the middle of a refi, I was at the end of it, I was supposed to close today and the lender calls me he goes, hey, Michael, we're not going to be able to do this loan. I'm like, what do you mean, we're not gonna be able to do this loan, he goes, yeah, at the rate that we locked you out, we're, we're not going to be able to do it and so basically just give everyone a little bit of context. I started this investigation like three months ago into getting 30 year fixed mortgages for multifamily commercial property. So five units and up, and I found a lender that would do it and I was making them compete against other lenders at a bunch of different quotes and I found one and they were like, We can beat it, we can do it 4.275 for a 30 year fixed on a commercial multifamily loan directly to my LLC, load docs, they just needed my property specific information how the property performs like a DSCR loan. So we're getting all the paperwork done, I paid for the appraisal, several $1,000 for each property and then my loan processor, like just stops returning my phone calls and emails. I was like, that's weird and we're getting up to the point of closing. So I got a hold of, I called I called his line, and somebody else answered and I said, hey, I'm trying to reach this person. They said, oh, they're no longer with the company. But this other person is handling all of your stuff now and I said, okay, I mean, that happens, turnover happens and this new person who's handling my, my, my files, sends me this email, she's like, hey, I need all these things from you. I'm like, I already sent those to your company months ago, the original person had that, like, do you not have access to my file and went back and forth and back and forth and I got them all these docs, and then they go, oh, we're gonna have to close on Monday, otherwise, your rate will expire and I said, okay, great I'm ready, let's do it and today, Monday, he calls me and says, hey, we can't do this loan. And what I'm pretty sure happened is they just realized that I got too good of a deal, and they can lend that money elsewhere and get a higher interest rate for it and I still have not heard back from them as to why I haven't got a direct specific answer. But as soon as I do, I'm going to be naming and shaming these people all over the place because I posted about it on Twitter and seeing if there's any kind of recourse and be like, yeah, I've been hearing this happening more and more of lenders just dealing with bad PR, rather than taking the loss on their, to their pocketbook.   Tom: What does a rate lock mean, if that doesn't allow you to like lock your rate, right?   Michael: That's a great question and so what a lot of people online have been saying is that, oh, if the rate lock expires, then then the rate lock is no longer valid and which I totally get. But the question that still I'm having is, well, what if a lender is just dragging their feet intentionally to drag out the rate lock to expire? So that they can say up great lock inspired, sorry. And so they recorded they said, well, we can re quote you at today's rate and I said, great, do that and they said, oh, it's at six and a quarter. I'm like, so 2% greater than what I locked it in and I did this three months ago, because I knew that rate hikes were coming, everyone was talking about it and I said great let me just lock this in, set it and forget and be done with it. So it's pretty infuriating, so everyone, stay tuned, I will keep you all posted, how it how it shakes out, but I have yet to hear a get a call back from these folks explaining themselves.   Emil: I wonder if this is like a you said it's a commercial loan product. It's a portfolio loan, right? Like it's a loan they're doing themselves. It's not like government backed or anything from I wonder if there's like different rules, you know, if you're going to get your traditional conventional 30 year fixed rate, Fannie, Freddie, like, is that would that have gone through versus like a portfolio? And like you said, they're like, why would we? Why would we put this money out there for 2%? Less than we can get it today or two to 200 basis points, not 2%. But you know what I mean?   Michael: Yeah, no, I gotcha gotcha. Yeah, I don't know and that's the one of the questions that I have out to the Twitter versus Hey, what kind of rules and regulations are these companies governed and bound by and how do we hold them accountable? Because I think for the government back stuff, it is a little bit more clear cut, I would expect this less to happen in that space. But it seems like the commercial world, the private lending world is just a bit more unregulated and so I'm wondering if that just might be the cost of doing business because of that lack of regulation.   Tom: Like they're, you're, you're done with, like, their lifetime value of you have a customer is gone. You know, I don't know, like, I think that like, could be kind of short sighted. You know, there's funny, these different vendors where there's like perverse incentives, you know, like for this example, like them just kind of like waiting out the clock, because they see the interest rates going up. There's a couple other incidents, other scenarios where vendors that you rely on could have like, bad incentives, you know, like for literally, property managers that get paid on work orders, you know, they're making more money on work orders, they're gonna be loved to be performing work orders. So I guess this speaks to that whole, like, trust and having a, like, a good partner that you're working with, but and Michael as yeah, that's a that's a bummer like, what a huge jump.   Michael: Oh, my God, it's yeah, it's so incredibly frustrating and like, I had so many big plans for this money, too. So it's just been a bit of a whirlwind of a day. But in speaking to, like, the question, and the topic for today, I don't want this whole episode of your woe is me session, my therapy session, you guys can build me later. I hope you take insurance but um, I think it's really important for everyone looking at their portfolios now, or looking at their properties now to determine and kind of ask themselves the same question of hey, does it make sense to refinance right now and for me, it made total sense when I locked it in three months ago, I was paying a little bit higher interest than the current mortgage that I had on the property, but it was going to be a longer amortization period, at 30 years over the 25 years that I that I currently had on the product and then it was going to be fixed also for 30 years. So it wasn't gonna have to go refinance in five years or 10 years, like I will, with the current properties of it, the current mortgages that I have on these properties, and one of them is coming due, I think, next year, or in 2024 and so I said, you know what, I can lock in the rate for 30 years, I know what it's going to be, there might be times when my rates a little bit higher than what the current market is.   But my guess is that for the most part, it's going to be less than the average interest rate that we find ourselves in over the course of the next 30 years. So let me just lock it in and I'm sure I'll be stoked today at 6% and a quarter percent, I can't say that with as with as significant with as much confidence and so for everyone out there listening if your rate is less than what you're going to be refi into think long and hard about giving that up. But also, if you're going to be taking I mean, there's two ways to refi right, there's the cash out refi and then there's just a rate and term refi. For your rate and term refi, if you're going to refi into a higher interest rate now might not be a great time to do it. But what are your guys thoughts about like the cash out piece of this?   Emil: I mean, look, if you bought a long time ago, maybe you've put some money into the property, you fix it up, your cash flow is nicer and you're sitting on an opportunity to pull some cash out and still cashflow, that's something you should still consider. I don't think it's like, okay, rates have jumped 2% now, it's a definite no, it's just, it's like we always talked about, you gotta run the numbers, see if you're still cash line, right? Don't don't make it negative cashflow I in in my eyes and yeah, make that make that call for yourself.   Tom: I'd say, you know, you, obviously you do have like tons of equity and like you have a plan on what to do with that equity if you were to convert it into a cash out finance, that makes sense. I think in, in some markets, with interest rates going up, you would expect a little bit of a reflection in pricing to go down potentially, I don't know, it's hard to say because there's a there is a good amount of demand, I would say it's more likely to be in like secondary and tertiary markets where you have a property with a lot of equity, cash out, refi, get that in your back pocket, there could be some opportunistic acquisition opportunities with interest rates going up, I would say with like primary cities, you know, like really big ones, Dallas and whatnot, since a lot of the maybe institutional investors out there are not going to be, you know, have too much moving within their debt structures. But I'd say in some of the secondary and tertiary markets, there could be a bigger impact on rates going up, and potentially prices going down. Like I don't know, you would you would assume that right, I don't know that, that's my 10 cents, Michael, and Emil thoughts on that take.   Michael: I mean, I think that makes sense. But I'm wondering, too, if we can kind of try to think like two steps ahead and is there an instance or a scenario where it makes sense to take out cash via cash out refi, because you know, what the rate is today, and you have equity in the property, knowing full well that you don't have a plan for it in the immediate future. But you are opportunistic, you foresee an opportunistic environment and so you're just going to kind of sit on it and see what happens versus doing nothing and then you might see that equity actually evaporate from the property.   Emil: It's good point, right? If rates are going up, right, I just before we hit record, I just threw my loan into a calculator, right that our primary, looking at that 200 basis points difference and it's, it's huge, like, I don't know, if we would have bought it like it's over $1,000 difference, you know, and so it's like, it's big. so, you know, you can't have rates keep going up payments keep going up and like, we have the same kind of crazy appreciation. I don't think I'm not looking into a crystal ball. But yeah, so that that is a good point, right? If you think okay, rates are gonna go up, rates are going up, it's going to keep putting pressure and like prices need to come down, then yeah, that could be a great time to cash out refi, hold some cash, then buy when there's a little bit more opportunity down the road.   Michael: Yeah, and that's, it's not something that I've thought about in the past. I've always kind of said, especially as in, in coaching with folks and Roofstock Academy is like, yeah, cash refunds are great if you have a plan for that money in the next 612, nine months. Or even just know what the money is going to be used for versus getting a HELOC could be a better use of funds and time if you're not sure what you're gonna be using the money for. But now, with rates going up so fast, I might I think I'm changing my tune a little bit and saying, yeah, maybe, you know, even the fact like we were joking about Emil last episode that having your money in the bank, it loses 7% in value every year, maybe that 7% hit is more valuable than or should be is is less impactful than the future opportunity down the road. Because if prices dropped 10 or 15% I'll pay that 7% to have money sitting in the bank all day long to be able to jump on something for 10 to 15% discount.   So I think you're right it is super tough to know what to do. But I'm of the opinion that if you can lock in something today and you know what the payment is for the life of the loan or for the next foreseeable future that has a significant value to it and having cash in hand we know what the value is today and we don't know where rates are gonna go and so if it turns out that rates go down in a year from now okay, will you do a rate and term refi and take advantage of lower rates then get your cash out now and arm yourself. I don't know I think that I think that makes sense for a lot of people.     Tom: So I've got a little question for you guys, I'd love your guys's feedback. So with my primary refi you know maybe a year ago also took out a HELOC use that HELOC to improve the value of my house…   Michael: But not the gas line apparently?   Tom: No, my the gas line is fine. It's it's more like it's a garage and it's moldy. Like don't worry yeah don't worry things are okay.   Emil: Gas lines are not value add by that.   Tom: I meant to say this the beginning. They do it for free, you they have a number you call they send person out there just because like massive liability if there is issues with the gas line, but my question for you guys is so I have a HELOC on the primary, did some improvements and my strategy was originally just to refinance again and then put that HELOC at into the primary, but with rates going up right now, does that make sense like I, you know, have a good sized amount of cash on that HELOC or a debt on the HELOC. Do I just eat it and roll that into a refi or because, you know, assuming rates continue to go up like that HELOC payment is gonna become more and more.   Michael: Yeah. How have you seen your HELOC interest rate creep up in the last couple of months in lockstep with with like traditional mortgage rates?   Tom: Um, I assume it would be sensitive to it just in that HELOC, you know, is not fixed debt and that it's moving. I haven't I haven't looked at it in a minute but that was always part of the plan was to roll that in.   Michael: Do you know how big of a difference? Your interest rate would be from your current primary mortgage to what your new one would be?   Tom: It's a very good question, it's very good question. These are all good, good action items to go out.   Michael: Tom always finds a way to get just personal advice and…   Tom: Self-serving all the time..   Emil: Free coaching on…   Michael: That's it on the fly. Gee, man, you're you're smarter than the average bear. I think that what would be that is one thing I would want to know is what's the new rate?   Tom: You lock your new interest rate right now is 2.49. So not going to do better than that. But you know, and…   Michael: That hasn't moved in last couple of months…   Tom: Hasn't moved in the last couple of months, no.   Michael: Yeah, so I was saying… Tom, you turned me on to that lender and I actually got a HELOC from them too and it's amazing. Yeah, I would, I would try to get some clarity around. If you did roll this all in what would be your new primary interest rate?   Tom: I like it.   Michael: Because you gotta remember even if the rate blows up on the HELOC call it 567 percent. It's interest only, versus the fully amortized principal and interest payment you'd be making on that additional debt and so I would, I would look to figure out okay, where's my breakeven point, you know, at what rate can I afford to pay fully amortized principal and interest versus just interest only because interest only it's gonna fluctuate up and down versus the P&I, that's for the life of the loan.   Tom: Yep, that makes sense, Michael, it's good, good feedback, sself-serving.   Michael: And then I just on top of that, to also think about the cost of doing that refinance. There's several $1,000 associated with it and so if that's what you have to eat in terms of your additional interest payments on the HELOC, but you still have a better rate than then you would, that that in my mind, make means pay the extra interest, just eat it.       Emil: Michael, I should have asked you this before we left the conversation of your refi changing. Are you gonna go through with it? That's the big question, right?   Michael: No, I'm not because here's the here's one of the problems is like right now, I'm at three and a quarter percent interest on 10 year fixed with a 25 year amortization and I'm like, three, three years into those loans. So they haven't a long lifecycle still left, I would much rather be on 30 year fixed and at four and a quarter, I'm happy to pay the additional percentage point on interest, just for that fixed and additional cash out. So the thing of it is, it's almost like, and the payment on that was going to be a little bit bigger than my current one, even though the interest rate is higher, but I was getting a ton of cash, but it's over a longer amortization. So it all kind of smoothed itself out in the end. So I was essentially getting some free money. So yeah, it's just infuriating beyond belief. So stay tuned, I'll keep y'all posted how it shakes out.   Emil: Got it? Yeah, I just wanted to, I don't think we close the loop on that. I wanted to know, like, are you still moving?   Michael: These people will be getting zero of my dollars ever and I will encourage everyone I know or ever will know, to not use these people if they don't make it right.   Emil: But okay, let's say you go get the same six and a quarter whatever from some other lender, who is not a monster and screws you over like that. Would you do that?   Michael: No, no, no. I mean, the rate the rate at that level just doesn't make sense from a cash flow perspective and that's why I was so excited about this long as I locked it in when it totally made sense.   Tom: So not just a spike decision.   Michael: It's like yeah, yeah, it's it's a financial one like he just financial this doesn't make sense. It doesn't make sense. So and that's something that people really need to be thinking about is kind of like we were mentioning Tom with your loan is the cost of the loan. If you're gonna go do a refinance, there was money involved to physically do that. Some lenders will wrap the closing costs in so you pay it, you know, paid up front, but you pay it over for the loan, and so just be factoring all this stuff in and also be factoring and like what could you do with the proceeds, if you already want to cash out refi? What kind of return could you get on that money if you want to inspect it elsewhere? Because that can often make the interest rate a little bit easier to swallow if it is high. Yeah, you might pay in 6% but you can go back eight, nine 10% on that money somewhere else. I think it's important to to find out and take it from me what the track record is of your lender if you are going to be refunding research them online, do your homework, find out if they can actually close the loan because anyone can say anything, but until they fund that loan and it closes it's all just hearsay apparently, I'm so bitter God, this coming out terribly.   Emil: It will probably be hard to vet this one because like, you know, we've been in a really low rate environment for years. So no one else has probably experienced this. I'm sure there's other people who are trying to get a loan from them who are now going through just like you, but you probably wouldn't have found any of those online because you know, rates have been low for a long time and everyone was just scooping up reefer.   Michael: Right, right and they had like a guy had good reviews online. So I did do my homework. It's just a weird time in the market.   Emil: Yeah, it's just interesting. Another rate lock, at least with like, I don't know, maybe just portfolio lenders it basically mean meaningless.   Michael: It's meaningless until they unless they decided mean something…   Tom: Rustproofing on your offer.   Emil: Yeah, well, maybe that's maybe that's the takeaway for our listeners is like, if you're going out buying refiling whatever. Find out about your rate lock, like, you know, see if it really is like for 30 days, or you or however long you are 100% guaranteed that rate or can the lender opt out of it or how does it work? So good question, ask your lender.   Michael: Yeah, tell them you heard a horror story on this podcast you just started listening to and say I don't want this to happen to me.   Emil: And with that, we bid you all fair do, fairly well, fairly well, fair do.   Michael: A fortnight fair do.     Emil: Farewell, all right, so I guess that's probably a good place for us to end this episode. Thank you guys. As always, Michael, thanks for giving us a little deep dive into your paper cut flesh wound.   Michael: Oh, dude this feels like a full digit got sawed off isn't just a paper cut. Lost the whole thing.   Emil: Hopefully, hopefully the story ends out ends up well for you.   Alright everyone, we will catch you out on the next episode. Happy investing.   Michael: Happy investing.

Join ISACA's Performance Based Training Engineer, Collin Beder as he speaks with Tom Schneider, Senior Associate of Proactive Advisory for Cyber Defense Labs as they discuss Tom's recently released article “Ensuring that Cybersecurity is Everyone's Job”.  Employees expect to focus on the responsibilities that are communicated to them, for example in their job descriptions. If cybersecurity and privacy responsibilities are not documented in job descriptions, then it is likely that staff will assume that cybersecurity is not a primary responsibility for them because management did not consider it significant enough to include. Collin and Tom will delve into these topics and why keeping cybersecurity on everyone's mind will be better in the long run. To read Tom's  full article, please check out https://www.isaca.org/resources/isaca-journal/issues/2022/volume-2/ensuring-that-cybersecurity-is-everyones-job We would love to hear from you, please leave your comments below. If you enjoyed this episode, please click the like and subscribe buttons for more from ISACA!

Tom Schneider from Stuck N The Rut joins me this week to discuss how he has mastered hunting wolves, and how you can too! This is a favorite topic of mine, Tom is an expert wolf hunter as well as an all around western hunter that we can all learn from. He has dedicated much of his season to pursuing wolves to do his part in wolf management. Wolves are way above the management population objectives in Idaho and Montana, and less than 1% of wolf hunters actually succeed. Tom wants to change this. As a Native Idahoan, he has seen the negative impacts wolves have created to our moose, elk, and mule deer.  We discuss Tom's history with hunting, his family's platform Stuck N The Rut, why he became interested in hunting wolves, how he learned to be a successful wolf hunter, and his new online course available; Wolf Hunting Master Class. We also discuss his Mule Deer Master Class, both courses are available and you can check them out below! Wolf Hunting Master Class Mule Deer Master Class Sponsors and Discounts! SKRE Gear - High octane hunting attire without breaking the bank! https://www.skregear.com/  -Use Promo Code “thewesternhuntsman” for 15% off and free shipping! Phelps Game Calls - The game call company of The Western Huntsman! https://phelpsgamecalls.com/  -Use Promo Code “Huntsman10” for 10% off! Hoffman Boots: - Best hunting boots you'll ever own. I guarantee it! Use promo code “HUNTSMAN10” for 10% off! https://hoffmanboots.com/hoffman-mountain-boots Tactacam -Filming your hunt has never been easier and more affordable! https://www.thewesternhuntsman.com/product-category/gear/ Bait Em 907 -Use promo code “Huntsman10” for 10% off of all bear attractants and other products.  https://www.baitem907.com Check us out on Social Media! jim@thewesternhuntsman.com    

In this episode, Spencer and Matthew interview Tom Schneider and Michael Albaum with Roofstock. Roofstock is a national platform where investors from around the world find rental houses that meet their investment criteria. ----------------- Connect with Matt and Spencer: gkhouses.com Email the Show: podcast@gkhouses.com Guest: Tom Schneider and Michael Albaum with Roofstock ----------------- Production House: Flint Stone Media Copyright of gkhouses 2020.