4.6K
Downloads
86
Episodes
Two real estate agents and a lender talk about real estate in Utah. It‘s a homegrown real estate podcast for buyers, sellers, investors, and agents.
Episodes
Tuesday Jan 03, 2023
Tuesday Jan 03, 2023
You can watch this episode on Youtube.com: https://youtu.be/Jbu7nUh4j3U.
Tyler, Aric, and Jason talk with Hyrum Oaks, CEO of RaceEntry.com, about how he got started in real estate investing.
0:00 - Introduction. Hyrum Oaks is NOT a professional investor, but he's got 31 units! Even though he's from Utah, he chose to invest mostly in Indianapolis, Indiana.
7:22 - Know Your Weaknesses. Don't try to build a strategy on your weakness. Hire where you're weak.
10:39 - Going Out of State. He couldn't nail down wholesale deals, they were gone too fast. Have your HELOC ready, y'all! Did a flip to get some cash.
18:26 - Buying 19 Units at Once. Vet your property manager, and then trust them.
24:45 - Horror Stories.
31:40 - Good advice. Experience protects you from pain.
33:01 - This is How it Really Got Going. Competition.
37:02 - What'd we learn today?
39:39 - Out takes.
* No property managers. harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Special Thanks to our guest:
Hyrum Oaks
CEO of Race Entry
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Nov 22, 2022
Tuesday Nov 22, 2022
You can watch this episode on Youtube.com: https://youtu.be/KZWEb2iXAH4
Cost Segregation Analysis Studies are an important part of investors' tax strategy for depreciation. If it's a commercial building, you can take 39 years of depreciation. If it's a residential structure, you're able to depreciate for 27 and a half years. But does your carpet last for 27 and a half years? No, it depreciates faster. You can depreciate different elements of the structure at different rates (5 years, 7 years, 15 years), but you have to have a study to make sure you're doing it right.
Join us with our guest, Erik Oliver from Cost Segregation Authority, as we dive deep into the different aspects of Cost Segregation Analysis!
0:00 - Introduction
1:47 - Define Cost Segregation Analysis. Taking depreciation in different chunks at an accelerated pace. Why is it important? Cost value of money, inflation, and tax strategy.
4:23 - What happens when you sell? You pay two types of taxes: 1) capital gains and 2) depreciation recapture. Take your deduction at a higher rate, then pay your taxes at a reduced rate on a future date. How do they come up with the numbers?
12:05 - It doesn't work on EVERY property.
16:05 - Bonus Depreciation. Bonus depreciation means you can get 100% of your depreciation right in the first year...until the end of 2022.
18:50 - Put it "In Service". You can take depreciation if the property is "in service" according to the IRS.
23:15 - An Airbnb Example. Use the tax savings as the down payment. Cost segregation does NOT generate audits.
29:28 - What'd we learn today?
34:43 - Outtakes
* No IRS agents were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Special Thanks to our guest:
Erik Oliver, Regional Manager
Cost Segregation Analysis
1-800-940-3115
info@costsegauthority.com
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Nov 08, 2022
Tuesday Nov 08, 2022
Getting beyond real estate investing basics, here are three principles to supercharge your investment game: cash-value indexed life insurance policies, cost segregation analysis, and opportunity zones. Guest Alex Ball explains how you can integrate these ideas.
0:00 - Introduction
4:02 - Life Insurance. Whole Life vs Indexed Universal Life Insurance policies (IULs). Tax benefits vs IRA or 401k. How life insurance affects 1031 exchange. Life insurance is a tax-advantage investment method.
10:00 - Cost Segregation. How a depreciation (5, 7, and 15-year depreciation elements) study can shield your income from taxes...for YEARS. Check out our friends at costsegauthority.com! How do you vet a cost-seg company? Can you do a cos seg on a 4-plex? Yup.
17:58 - Opportunity Zones. The government incentives investors in certain communities. You can find maps online. Combine an opportunity-zone purchase with a cost segregation analysis and take a 100% bonus depreciation, to take 100% of your depreciation in 1 year with a tax-shield carryover into future years.
19:15 - What'd we learn today?
21:33 - Out takes.
* No opportunity zones were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Special Thanks to our guest:
Alex Ball at On the Ball Finance with Alex
385-985-5138
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Oct 04, 2022
Tuesday Oct 04, 2022
You can watch this podcast on YouTube.com: https://youtu.be/2IP2eiAvJAc
What's happening in real estate right now? Is it a crash? Is it the eye before the storm? Is it a momentary lapse?
0:00 - Introduction
2:15 - Rates are going up.
4:00 - People are priced out of the homes they're living in right now.
5:45 - Real estate is stable (more stable than crypro!)
7:45 - Supply and demand is NOT the same as the inflation issue at the Fed.
8:55 - What are the BIG players doing?
11:00 - Create a plan.
15:30 - What'd we learn today?
17:07 - Out takes.
* No songs were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Special Thanks to our guest:
Alex Cancino at Diamond Perfection Home & Property Inspection
831-710-6782
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Sep 06, 2022
Tuesday Sep 06, 2022
What’s in inspection for? How do you choose a good inspector? What should you expect for your inspection? An inspection is a critical opportunity for a buyer to get information about the property they’re buying, and it can help the buyer know if there are any issues that would affect the value of the home.
0:00 – Introduction
1:38 – When and why does a buyer get an inspection?
3:09 – What does an inspection check?
11:27 – Discussion about Meth
13:50 – Choosing an Inspector
15:40 – Discussion of Radon
19:00 – Other inspector services
20:10 – What do you hate that Realtors do?
23:40 – What’d we learn today?
28:56 – Out Takes
* No pico de gallo was harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Special Thanks to our guest:
Alex Cancino at Diamond Perfection Home & Property Inspection
831-710-6782
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Aug 02, 2022
Tuesday Aug 02, 2022
You've heard of the 2-1 buy down, but what is it really? What about other loan options like discount points or a single MI pay down?
0:00 - Introduction
1:49 - 2-1 Buy Down. This is what it is and the calculations on how it works. The buy down is NOT paid by the buyer. 2% less rate first year. 1% less rate the second year. 3rd year is the normal rate. Buyer has to qualify for the loan at the regular rate. Be ready for not only the rate increase, but ALSO the escrow increases (taxes and insurance).
8:03 - Discount Points. 1 discount point costs 1% of the loan, reduces the rate by 1/4 point, and is a permanent reduction for the life of the loan.
10:54 - Single-Premium Mortgage Insurance. Pay it all at once, up front, you'll save a couple hundred dollars per month, and several years of mortgage insurance.
14:16 - What'd we learn today?
16:17 - Out Takes.
* No loan officer egos were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Jul 12, 2022
Tuesday Jul 12, 2022
You can view this episode on Youtube.com: https://youtu.be/F9N0ns5lxP8
How do you get the investing ball rolling? We just took a leap ourselves in Indiana. Here's how we did it.
0:00 - Introduction
1:20 - Why invest? Financial freedom, baby.
3:23 - How to analyze a market.
5:00 - Networking. Over the phone, then face to face. Find people who know the area and the type of investing you are looking for.
12:49 - Could we get a deal before we left?
16:30 - You HAVE to take the first step.
18:30 - Finding "whos".
19:45 - But what about the market? There are strategies that work in every market.
20:25 - What'd we learn today?
22:21 - Out takes
* No timid investors were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Jun 28, 2022
Tuesday Jun 28, 2022
Seller Finance is one of the most versatile methods to purchase (or sell) a home. It takes outside-the-box thinking, but it can afford a lot more flexibility to both the buyer and the seller.
0:00 – Introduction. Seller Finance 101, or maybe even more basic than that. This is a high-level overview of seller finance. The most basic definition is that a seller is financing the property…not a lender. Lease Option, wrap-around mortgage (seller has an existing mortgage, and the seller writes a deed that encompasses the mortgage), contract for deed (like buying a car: buyer doesn’t get title until the loan is cleared — it’s biased in favor of the seller), all inclusive (buyer’s name is on title — it’s biased in favor of the buyer).
5:45 – Due on Sale. A due-on-sale clause is a clause stipulates that the full balance of the loan may be called due upon sale or transfer of ownership of the property used to secure the note. The lender has the right, but not the obligation, to call the note due. Title and recording are especially important. Simplest form of seller financing is when the seller owns their property outright (there’s no bank to care about the “due on sale clause”).
7:56 – Concerns. It depends on what the buyer and seller are concerned about. Divorce presents a really hard circumstance for a traditional lender: you have an outstanding, unknown debt — lender can’t give you loan until it’s resolved. Timelines are typically shorter than traditional mortgage (though that’s not required). If the seller has a low interest rate, and then finances a buyer at cheaper-than-market rate that’s still higher than the seller’s rate, they are making money on “the spread” between the interest rates. (This is how bank’s make their money, btw: they loan at higher interest than their deposits are paying. The spread constitutes revenue.) Structure the note to be time-flexible with conditions.
11:57 – What About Buyers? Less documentation concerns. Combined down payment funds from multiple sources is untouchable by a lender. Not so in seller finance. Cash on hand can be a concern for the buyer in traditional lending, but it’s not an issue in seller finance. Very time flexible for the buyer. The terms are VERY customizable. Investment properties see a lot more seller finance.
14:45 – Make Nice With Your Attorney / Title Officer. There are a lot more pitfalls, but that doesn’t make it bad. You can still build protections into the terms for the buyer and the seller. Make sure the contract sets clear expectations (and handles less-expected situations).
16:18 – What’d We Learn Today?
18:11 – Out Takes
* No lenders were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Jun 21, 2022
Tuesday Jun 21, 2022
You can watch this episode on YouTube.com: https://youtu.be/dxejform3vs
Looks like a seller's market, acts like a seller's market — It's probably still a seller's market.
0:00 - Introduction
1:05 - Listener Question - how to find a good lender.
1:40 - Market Freefall? - What are you really witnessing? Are price drops a sign of a crash? Well, it's more a sign of a correction. People don't like this home at this price. Right now, this is more a sign that there are homes priced inappropriately.
5:45 - Sale Price to Listing Price Ratio - We've seen high ratios - well over 100%. Now we're seeing lower values, but the values are still over 100%. The premium on properties is substantially lower. Know what the data is, and how to interpret the data. Days on Market (DOM) is another common statistic. DOM has been as low as 4 days. A much more balanced market can see DOM at 20 or 30 days.
11:30 - Market is Shifting, but It's Still a Seller's Market - How much of a shift is it? Will it crash? We still need a lot more inventory. This isn't a "bubble." This is a supply and demand issue.
13:30 - Local Comps - When a buyer is looking in this area, they'll likely take a look at these properties as well. Does your home compare well to these others?
14:45 - What's Your Agent's Strategy - Let's say the house doesn't sell, what then?
16:26 - What's Your Selling Strategy? - What if you market terms?
17:05 - What'd We Learn Today?
19:15 - Out Takes.
* No sellers were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Jun 14, 2022
Tuesday Jun 14, 2022
You can watch this episode on Youtube.com: https://youtu.be/ALsX-M82ET8
There is a new seller disclosure document — do you know how to use it?
0:00 – Introduction.
1:18 – No assumption of agency for presenting the disclosure document.
2:49 – Liability. Liability lies with the information. If the seller has information and doesn’t disclose, the seller has the liability. Once the seller discloses to the information to the buyer, the buyer has the information (and the liability).
3:15 – Why do we have disclosures? Seller obliged to disclose “Material Fact.” Would a reasonable person think this fact affects the value or what a buyer would offer? Then it should be disclosed. This isn’t a $50 purchase. It’s a $700,000 home, and the buyer deserves to know all they can about this gigantic transaction.
7:35 – Permits.
9:55 – Who owns components of the property?
10:52 – Boundaries and Easements. Are there encroachments? Are there disputes?
13:01 – Water. Where’s your water from? Secondary water? HOA? Well? Secondary Water?
14:15 – Meth & Stigmatized Property. You can always ask about a stigmatized fact, and you’re entitled to an answer. Do you know for certain? Answer “yes” if you do, otherwise, you’re obliged to answer “no”.
18:45 – They leave you most of a page for clarification.
19:31 – What’d we learn today?
21:42 – Out Takes.
* No stigmatized properties were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Jun 07, 2022
Tuesday Jun 07, 2022
You can watch this episode on Youtube.com: https://youtu.be/rSeLyTSKutQ.
You know what happens when you assume. But do you know what happens when you assume a loan?
0:00 - Introduction.
2:29 - Context of Assumptions.
3:25 - Who decides if it's assumable? Government loans are still assumable, but conventional mortgages are not. Contact your servicer — they'll let you know if the loan is assumable.
6:22 - It's a seller's market. How do you market an assumable loan? Contact the assumptions department at the servicer.
8:40 - What about the appraisal? Doesn't need it — it already appraised, but the BUYER has to come up with the difference.
11:15 - VA loans assumptions. Veteran's entitlement matters. If another Vet tries to assume the loan the selling Vet's entitlement is retained, which may mean they won't be able to purchase another home using VA.
14:30 - Spend enough time researching the assumption.
15:15 - What'd we learn today?
17:01 - Out takes.
* No assumptions were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday May 31, 2022
Tuesday May 31, 2022
You can watch this episode on YouTube.com: https://youtu.be/dNLxv2PB4cU
What is the difference between down payment and closing costs? Who gets what?
0:00 - Introduction
0:42 - Not the same.
1:20 - Questions. How much money do you have? (Spoiler: Most likely it's not putting the "down payment" you've saved 100% toward the loan. It costs money to get a loan...and there are other incidentals.)
4:00 - Buying Discount Points. Spendy.
6:00 - Talk to your Lender. Cash to close, closing costs, prepaid costs are all different things that overlap.
8:40 - Earnest Money. Putting down a lot of earnest money doesn't go to the lender, to the agent, or to the seller. It goes to your house. Maybe it pays closing costs, maybe it's down payment. Talk to your lender.
11:31 - New Construction. You qualified for your loan several months ago...and now rates have gone up. STAY IN CONTACT WITH YOUR LENDER.
12:38 - What'd we learn today?
14:20 - Out Takes
* No down payments were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday May 24, 2022
Tuesday May 24, 2022
You can watch this episode on YouTube.com: https://youtu.be/DmcleXHh624
What would you do with a million dollars?
That's the question we pose this week on the show. What do you buy? How much do you save? What are the wise decisions with this money?
0:00 - Introduction
1:01 - $1 Million - what do you buy? Statistically, most people blow most of that money. Statistically, people who win the lottery, take only a few years to return to before-lottery-winnings-financial position. (https://www.cnbc.com/2014/10/01/sudden-wealth-can-leave-you-broke.html)
4:14 - Jason's $1 Million. Jason buys 4 residential Single Family Homes (SFH) 25% down payment. $750,000-range homes. Family rentals in Lehi, UT.
5:31 - Aric's $1 Million. Aric buys some fun stuff (including a new truck! and a car for his wife). Then he'd invest. He would buy 10 homes in 10 states so he can write off visiting his businesses. $150,000 spent on "bogus" stuff. Then buy 10 long-term rental properties in 10 states...at about $85,000 per property. He'd buy two without his wife's knowledge.
8:82 - Tyler's $1 Million. Pay off automotive loans ($25,000). Would NOT pay off primary residence or investment properties. $100,000 in crypto. $150,000 in dividends equity positions. Real estate purchases with the last $725,000 in non-urban areas in Utah (east and south) with 20% - 25% down, focusing in multifamily.
11:26 - Your $1 Million. What would you spend $1 Million on? Get your game plan. Get your strategy. If you know what you're going for, it's WAY easier to see a way there. "Everything's impossible until you do it."
13:01 - Tyler diversified. Other plans were not. But Tyler's not selling his assets — hold them forever.
14:28 - Is Jason's strategy bad? Jason's methodology: pick an amount of money you want to live on over a month when you retire: $10,000 per month, for example. Figure out what type of property rents for that number. "If I have this many houses at that time, I'll be ok."
17:36 - What's your plan? "The bigger your dream, the easier your path."
18:39 - What'd we learn today?
20:21 - Outtakes
* No dolla billz were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday May 17, 2022
Tuesday May 17, 2022
You can watch this episode on YouTube.com: https://youtu.be/DNHt3d4MN5s
This is our interview with Utah Real Estate Investor, Rusty Pollard. We talk about his deals and break down how he looks at a deal. Rusty offers several tips and lessons he's learned in his 10-year journey from 0 doors to 100 doors.
* No drug houses were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Rusty Pollard
Director of Affiliates with ERC Specialists
https://ercspecialists.com
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday May 10, 2022
Tuesday May 10, 2022
You can watch this episode on YouTube.com: https://youtu.be/WfLA0um9Cks.
0:00 - Introduction
0:41 – Section 25. Jason reads section 25 in its entirety. If the other party doesn’t accept the offer, the offer shall lapse, and the earnest money is returned. This is the one time you can communicate NOT in writing.
1:25 – 3 Options. Acceptance, Counter, Rejection, and Nothing: the only ways to response to an offer. Don’t just fail to respond — it’s rude!
3:45 – What’d we learn today?
4:30 – Tell us your favorite section, and Jason will take you to dinner!
5:36 – Out Takes
* No counteroffers were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.