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NerdWallet's Smart Money Podcast


1 Why Refis Are Spiking and How to Optimize Your 401k Target-Date Fund for Long-Term Growth 28:02
28:02
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التشغيل لاحقا
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احب28:02
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…
Breaking Big Blue with Jordan Raanan
وسم كل الحلقات كغير/(كـ)مشغلة
Manage series 1912475
المحتوى المقدم من ESPN, ESPN New York, and Jordan Ranaan. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة ESPN, ESPN New York, and Jordan Ranaan أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.
ESPN Giants reporter, Jordan Raanan provides a weekly look at the New York Giants. Regular segments include his good-bads, a prediction, "Giants After Dark" social media Q&A and stories from his life covering the team called, "Jordan on the Beat."
…
continue reading
214 حلقات
وسم كل الحلقات كغير/(كـ)مشغلة
Manage series 1912475
المحتوى المقدم من ESPN, ESPN New York, and Jordan Ranaan. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة ESPN, ESPN New York, and Jordan Ranaan أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.
ESPN Giants reporter, Jordan Raanan provides a weekly look at the New York Giants. Regular segments include his good-bads, a prediction, "Giants After Dark" social media Q&A and stories from his life covering the team called, "Jordan on the Beat."
…
continue reading
214 حلقات
كل الحلقات
×ESPN Giants reporter Jordan Ranaan breaks down what he's heard and seen since the Week 1 loss to the Commanders. Learn more about your ad choices. Visit podcastchoices.com/adchoices
ESPN Giants reporter Jordan Ranaan takes a look at what needs to happen for Big Blue this season and speaks with ESPN Commanders reporter John Keim. Learn more about your ad choices. Visit podcastchoices.com/adchoices
The Cowboys got rid of their best player. What does it mean for the Giants? Plus a 5 Spot that includes discussing how LT Andrew Thomas might miss Week 1. Learn more about your ad choices. Visit podcastchoices.com/adchoices
ESPN Giants reporter Jordan Raanan and ESPN Jets reporter Rich Cimini breakdown what they saw at the Jets-Giants joint practices in East Rutherford and in Florham Park. Learn more about your ad choices. Visit podcastchoices.com/adchoices
ESPN Giants reporter Jordan Raanan speaks with WR Wan'Dale Robinson about running different routes plus more Standouts and Strugglers. Learn more about your ad choices. Visit podcastchoices.com/adchoices
ESPN Giants reporter Jordan Raanan breaks down some standouts and strugglers from the first five days of training camp. Learn more about your ad choices. Visit podcastchoices.com/adchoices
ESPN Giants reporter Jordan Raanan breaks down what to watch for, as well as, the top position battles. Learn more about your ad choices. Visit podcastchoices.com/adchoices
ESPN Giants reporter Jordan Raanan answers all your questions, including whether OBJ might return. Learn more about your ad choices. Visit podcastchoices.com/adchoices
ESPN Giants reporter Jordan Raanan breaks down the main storylines, top performers and speaks with SNY's with Connor Hughes. Learn more about your ad choices. Visit podcastchoices.com/adchoices
ESPN Giants reporter Jordan Raanan breaks down what's happening at the mid-way point at the OTAs and gives his ranking of the team's QBs. Learn more about your ad choices. Visit podcastchoices.com/adchoices
ESPN Giants reporter Jordan Raanan breaks down the QB rotation, why Evan Neal is at left guard and reports a Jalin Hyatt sighting. Learn more about your ad choices. Visit podcastchoices.com/adchoices
ESPN Giants reporter Jordan Raanan speaks to former Giants DT and Super Bowl champ Chris Canty about which moves excite him from this offseason. Learn more about your ad choices. Visit podcastchoices.com/adchoices
ESPN Giants reporter Jordan Raanan breaks down the schedule and best road trips and gives his first impressions from rookie minicamp. Learn more about your ad choices. Visit podcastchoices.com/adchoices
ESPN Giants reporter Jordan Raanan takes a look at how the team pulled it off to get Abdul Carter and Jaxson Dart Learn more about your ad choices. Visit podcastchoices.com/adchoices
ESPN's Adam Schefter and Jordan Raanan break down everything you need to know about the No. 3 pick, Shedeur Sanders and the QBs in the draft. Learn more about your ad choices. Visit podcastchoices.com/adchoices
مرحبًا بك في مشغل أف ام!
يقوم برنامج مشغل أف أم بمسح الويب للحصول على بودكاست عالية الجودة لتستمتع بها الآن. إنه أفضل تطبيق بودكاست ويعمل على أجهزة اندرويد والأيفون والويب. قم بالتسجيل لمزامنة الاشتراكات عبر الأجهزة.