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NerdWallet's Smart Money Podcast


Learn when a refi saves money and how target-date funds work, including fees and when to pick a later fund year. What exactly is a target-date fund, and when should you move your date? How do you know if now is a good time to refinance a house? Hosts Sean Pyles and Elizabeth Ayoola discuss mortgage refinancing and target-date funds to help you understand how to quantify savings on a refi and how to set (and adjust) an age-appropriate retirement glide path. To kick off the episode, NerdWallet senior news writer Anna Helhoski joins with mortgages and student loans writer Kate Wood and mortgage reporter Holden Lewis to break down why refis are spiking even without fresh Federal Reserve cuts, who’s most likely to benefit right now, and how markets (not just the Fed) drive daily mortgage rate moves. They begin with a discussion of rate-and-term vs. cash-out refinancing, with tips and tricks on calculating your breakeven point, using the ~0.75 percentage-point rule-of-thumb for potential savings, and factoring in 2% to 6% closing costs and how long you’ll stay put. Then, investing Nerd June Sham joins Sean and Elizabeth to discuss target-date funds. They discuss how glide paths work (to vs. through retirement), when to push your target year if you’ll work longer, and how fees compare with index funds/ETFs, plus contribution frameworks (10% to 15% of income vs. the “80% replacement” rule) and why many hands-off investors value auto-rebalancing despite higher expense ratios. A listener case study (age 35, 2055 fund) highlights how to revisit your target date in the decade before retirement, how to read a fund’s glide path, and why staying invested and consistent often matters more than chasing perfect timing. Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In this episode, the Nerds discuss: mortgage refinance, refinance calculator, mortgage rates today, breakeven point refinance, cash-out refinance, HELOC vs cash-out, refinance closing costs, when to refinance, refinance vs home equity loan, bond market and mortgage rates, Federal Reserve and mortgage rates, target-date fund, best target-date funds, target-date fund glide path, to vs through glide path, 401k target-date fund, change target-date fund year, 2055 target-date fund, target-date fund fees, expense ratio comparison, ETF vs mutual fund, index funds S&P 500, retirement contribution 10 to 15 percent, 80 percent income replacement rule, taxable brokerage vs 401k, annuity vs staying invested, debt consolidation with home equity, credit card APR vs mortgage rate, divorce refinance requirements, stay-or-sell breakeven analysis, and refinance eligibility 2025. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com . Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices…
Temple, Trees, and Covenant // Genesis 2:4-17
Manage episode 448567357 series 1230891
Контент предоставлен New City Church and New City Church (Boise. Весь контент подкастов, включая эпизоды, графику и описания подкастов, загружается и предоставляется непосредственно компанией New City Church and New City Church (Boise или ее партнером по платформе подкастов. Если вы считаете, что кто-то использует вашу работу, защищенную авторским правом, без вашего разрешения, вы можете выполнить процедуру, описанную здесь https://ru.player.fm/legal.
Series: First Principles: Genesis 1-3 | Sermon Number: 7 of 10 | Scripture Passage: Genesis 2:4-17 | Preacher: Josh Hibbard | Sermon Date: November 3, 2024
30 эпизодов
Manage episode 448567357 series 1230891
Контент предоставлен New City Church and New City Church (Boise. Весь контент подкастов, включая эпизоды, графику и описания подкастов, загружается и предоставляется непосредственно компанией New City Church and New City Church (Boise или ее партнером по платформе подкастов. Если вы считаете, что кто-то использует вашу работу, защищенную авторским правом, без вашего разрешения, вы можете выполнить процедуру, описанную здесь https://ru.player.fm/legal.
Series: First Principles: Genesis 1-3 | Sermon Number: 7 of 10 | Scripture Passage: Genesis 2:4-17 | Preacher: Josh Hibbard | Sermon Date: November 3, 2024
30 эпизодов
Все серии
×Series: 1 Timothy | Sermon Number: 19 of 19 | Scripture Passage: 1 Timothy 6:11-16, 20-21 | Preacher: Josh Hibbard | Sermon Date: June 1, 2025
Series: 1 Timothy | Sermon Number: 18 of 19 | Scripture Passage: 1 Timothy 6:2b-10, 17-19 | Preacher: Chris Wells | Sermon Date: May 25, 2025
| Scripture Passage: John 4:1-42 | Guest Preacher: Kyle Bateson (Living Stones Reno) | Sermon Date: May 18, 2025
Series: 1 Timothy | Sermon Number: 16 of 19 | Scripture Passage: 1 Timothy 5:17-25 | Preacher: Mitch Squires | Sermon Date: May 4, 2025
Series: 1 Timothy | Sermon Number: 15 of 19 | Scripture Passage: 1 Timothy 5:3-16 | Preacher: Josh Hibbard | Sermon Date: April 27, 2025
Series: Easter Sunday 2025 | Scripture Passage: Isaiah 53:10-12 | Preacher: Kirk Crager | Sermon Date: April 20, 2025
Series: Holy Week 2025 | Scripture Passage: John 12:12-19 | Preacher: Josh Hibbard | Sermon Date: April 13, 2025
Series: 1 Timothy | Sermon Number: 14 of 19 | Scripture Passage: 1 Timothy 5:1-2 | Preacher: Josh Hibbard | Sermon Date: April 6, 2025
Series: 1 Timothy | Sermon Number: 13 of 19 | Scripture Passage: 1 Timothy 4:11-16 | Preacher: Josh Hibbard | Sermon Date: March 30, 2025 | Note: This sermon was preached at a combined gathering of New City Church and Cole Community Church.
Series: 1 Timothy | Sermon Number: 12 of 19 | Scripture Passage: 1 Timothy 4:6-10 | Guest Preacher: Kirk Crager | Sermon Date: March 23, 2025
Series: 1 Timothy | Sermon Number: 11 of 19 | Scripture Passage: 1 Timothy 4:1-5 | Guest Preacher: Vinnie Hanke | Sermon Date: March 16, 2025
Series: 1 Timothy | Sermon Number: 10 of 19 | Scripture Passage: 1 Timothy 3:14-16 | Preacher: Josh Hibbard | Sermon Date: March 9, 2025
Series: 1 Timothy | Sermon Number: 9 of 19 | Scripture Passage: 1 Timothy 3:8-13 | Preacher: Josh Hibbard | Sermon Date: March 2, 2025
Series: 1 Timothy | Sermon Number: 8 of 19 | Scripture Passage: 1 Timothy 3:1-7 | Preacher: Kirk Crager | Sermon Date: February 23, 2025 | Note: This sermon was preached at a combined Sunday gathering of New City Church and Cole Community Church.
Series: 1 Timothy | Sermon Number: 7 of 19 | Scripture Passage: 1 Timothy 2:11-15 | Preacher: Josh Hibbard | Sermon Date: February 16, 2025
Series: 1 Timothy | Sermon Number: 6 of 19 | Scripture Passage: 1 Timothy 2:8-10 | Preacher: Josh Hibbard | Sermon Date: February 9, 2025
Series: 1 Timothy | Sermon Number: 5 of 19 | Scripture Passage: 1 Timothy 2:1-7 | Preacher: Josh Hibbard | Sermon Date: February 2, 2025
Series: 1 Timothy | Sermon Number: 4 of 19 | Scripture Passage: 1 Timothy 1:18-20 | Preacher: Josh Hibbard | Sermon Date: January 26, 2025
Series: 1 Timothy | Sermon Number: 3 of 19 | Scripture Passage: 1 Timothy 1:12-17 | Guest Preacher: Kirk Crager | Sermon Date: January 19, 2025
Series: 1 Timothy | Sermon Number: 2 of 19 | Scripture Passage: 1 Timothy 1:3-11 | Preacher: Mitch Squires | Sermon Date: January 12, 2025
Series: 1 Timothy | Sermon Number: 1 of 19 | Scripture Passage: 1 Timothy 1:1-2 | Preacher: Heath Kemper | Sermon Date: January 5, 2025
| Scripture Passage: Colossians 3:12-17 | Preacher: Chris Wells | Sermon Date: December 29, 2024
Series: Advent 2024 | Sermon Number: 4 of 4 | Scripture Passage: John 3:16-18 | Guest Preacher: Kirk Crager | Sermon Date: December 22, 2024
Series: Advent 2024 | Sermon Number: 3 of 4 | Scripture Passage: John 3:16 | Preacher: Josh Hibbard | Sermon Date: December 15, 2024
Series: Advent 2024 | Sermon Number: 2 of 4 | Scripture Passage: John 3:16 | Preacher: Josh Hibbard | Sermon Date: December 8, 2024
Series: Advent 2024 | Sermon Number: 1 of 4 | Scripture Passage: John 3:16 | Preacher: Josh Hibbard | Sermon Date: December 1, 2024
Series: First Principles: Genesis 1-3 | Sermon Number: 10 of 10 | Scripture Passage: Genesis 3:14-24 | Preacher: Mitch Squires | Sermon Date: November 24, 2024
Series: First Principles: Genesis 1-3 | Sermon Number: 9 of 10 | Scripture Passage: Genesis 3:1-19 | Preacher: Heath Kemper | Sermon Date: November 17, 2024
Series: First Principles: Genesis 1-3 | Sermon Number: 8 of 10 | Scripture Passage: Genesis 3:1-19 | Preacher: Josh Hibbard | Sermon Date: November 10, 2024
Series: First Principles: Genesis 1-3 | Sermon Number: 7 of 10 | Scripture Passage: Genesis 2:4-17 | Preacher: Josh Hibbard | Sermon Date: November 3, 2024
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