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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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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…
CAIPER confabs
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المحتوى المقدم من CAIPER CONFABS and ASU Center for Advancing Interprofessional Practice. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة CAIPER CONFABS and ASU Center for Advancing Interprofessional Practice 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.
Arizona State University's Center for Advancing Interprofessional Practice, Education and Research presents CAIPER CONFABS: A health professions podcast by CAIPER Interprofessional By Design™.
…
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6 حلقات
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Manage series 2412491
المحتوى المقدم من CAIPER CONFABS and ASU Center for Advancing Interprofessional Practice. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة CAIPER CONFABS and ASU Center for Advancing Interprofessional Practice 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.
Arizona State University's Center for Advancing Interprofessional Practice, Education and Research presents CAIPER CONFABS: A health professions podcast by CAIPER Interprofessional By Design™.
…
continue reading
6 حلقات
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1 Season 01 Episode 05 - Making Sense of Sensemaking 32:58
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It’s time for another episode of CAIPER Confabs, your favorite health professions podcast brought to you by CAIPER Interprofessional by Design℠. In this episode, the team from the Center for Advancing Interprofessional Practice, Education and Research at ASU (Dr. Gerri Lamb, Dr. Karen Saewert, Michael Moramarco, Nina Karamehmedovic, Jinnette Senecal, and Jody Steehler) come together to explore the idea of sensemaking. We discuss the definition and process of sensemaking as well as insights into how we have used this as a team, and how its use within the clinical environment could be advantageous. With the variety of backgrounds and perspectives represented from the team, we provide an in-depth look into the practical use of sensemaking as an ability and tool to aid individuals in navigating the constantly-shifting landscape of healthcare. As well, we discuss why the ability to sensemake should be a core and foundational competency for all of our health and non-health professional learners. Resources from this Episode: - Ancona, D. (2011). Sensemaking: Framing and acting in the unknown. In S. Snook, N. Nohria, & R. Khurana (Eds.), The handbook for teaching leadership (pp. 3–19). Thousand Oaks, CA: Sage - Saewert, K. J. (2018). Leading interprofessionally. In J. M. Adams, J. Mensik, P. R. Ponte & J. Somerville (Eds.), Lead like a nurse: Leadership in every healthcare setting (pp. 101-121). Washington, DC: American Nurses Association. - Dr. Ancona’s 2009 Interview on the Four Capabilities of Leadership: https://www.youtube.com/watch?v=YXBJhrTNo90 - The Four Capabilities of Leadership: https://resources.saylor.org/wwwresources/archived/site/wp-content/uploads/2013/09/Saylor.orgs-The-4-Capabilities-of-Leadership.pdf - Center for Advancing Interprofessional Practice, Education and Research https://ipe.asu.edu And a special note of thanks to Jinnette Senecal, M.Ed. for invaluable guidance and insights, and Michael W. Moramarco, MA for episode and series production.…

1 Season 01 Episode 04 - Health Care Without Walls 28:09
28:09
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It’s time for another episode of CAIPER Confabs, your favorite health professions podcast brought to you by CAIPER Interprofessional by Design™. In this episode, CAIPER Director Dr. Gerri Lamb sits down with three dynamic thinkers to discuss a vision for Health Care Without Walls: Susan Dentzer (former President of the Network for Excellent in Health Innovation and author of the book Health Care Without Walls), Dr. David Coon (Associate Dean for Research at CONHI and the Director for the Center for Innovation in Health and Resilient Aging), and Donna Zazworsky (Adult Administrator for Care Management at Arizona Complete Health). They discuss what Health Care Without Walls truly means, and how we can make it a reality in Arizona. With Susan’s in-depth knowledge of the model, David’s broad research scope and background, and Donna’s on-the-ground experience, the conversation moves seamlessly from the theoretical to the practical when talking about how we can start moving care out of the hospital and into the community. Listen in to hear how a combination of high tech and high touch practice can help us begin meeting patients and families where they are today. Resources from this Episode: -Health Care Without Walls: A Roadmap for Reinventing US Health Care https://www.nehi.net/publications/81-health-care-without-walls-a-roadmap-for-reinventing-u-s-health-care/view -Susan Dentzer https://healthpolicy.duke.edu/news/susan-dentzer-appointed-visiting-fellow -Network for Excellence in Health Innovation https://www.nehi.net/ -Center for Innovation in Healthy and Resilient Aging https://nursingandhealth.asu.edu/research/centers/aging -Arizona Complete Health https://www.azcompletehealth.com/ -January 25th, 2019 Event https://ipe.asu.edu/susan-dentzer -Related ASU Now Article https://asunow.asu.edu/20190122-solutions-health-care-without-walls-talk-underscores-asu-college-nursing-robust-suite -ASU Center for Health Promotion and Disease Prevention Current Research https://chpdp.asu.edu/our-work/current-research -Center for Advancing Interprofessional Practice, Education and Research https://ipe.asu.edu/ The CAIPER team would like to extend a sincere note of gratitude and recognition to our guests, Susan Dentzer, Dr. David Coon and Donna Zazworsky. And finally, a special note of thanks to Jinnette Senecal for invaluable guidance and insights, and Michael Moramarco for episode production.…

1 Season 01 Episode 03 - Effective Care for High-Need Patients 40:04
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In this episode, team members from CAIPER (Gerri Lamb, Michael Moramarco, and Jinnette Senecal) and special guests Peter Long (President and CEO, Blue Shield of California Foundation) and Chris Barreto (Medical Social Worker, Dignity Health Center for Transitional Care) explore the 2017 National Academy of Medicine special publication on Effective Care for High-Need Patients. We discuss the various models highlighted in the report, and gain an on-the-ground perspective on the numerous ways that interprofessional practice and education provides a set of strategies for caring for high-needs patients. With Peter’s in-depth knowledge of the major models and Chris’ clinical experience, the conversation moves seamlessly from the theoretical to the practical when talking about how we care for high-needs patients in America, and specifically Phoenix, Arizona, today. This is an important conversation right now, as we know that the top 5% of health care users in the country are accounting for almost 50% of the resources. Listen in to hear how stories from practice and the report’s hard data align to light a path forward in serving some of our most vulnerable patients. Resources from this Episode: - National Academy of Medicine Special Publication - Effective Care for High-Need Patients: Opportunities for Improving Outcomes, Value, and Health :https://nam.edu/wp-content/uploads/2017/06/Effective-Care-for-High-Need-Patients.pdf - Dignity Health - St. Joseph’s Hospital Center for Transitional Care: https://www.dignityhealth.org/arizona/locations/stjosephs/services/transitional-care - Blue Shield of California Foundation: https://blueshieldcafoundation.org/ - Centers for Medicare and Medicaid Services (CMS) - Accountable Health Communities Model: https://innovation.cms.gov/initiatives/ahcm/ The CAIPER team would like to extend a sincere note of gratitude and recognition to our guests, Dr. Peter Long and Mr. Chris Barreto. And finally, a special note of thanks to Aaron Kraft (ASU), for assistance with the media production process during studio recording, Jinnette Senecal for invaluable guidance and insights, and Michael Moramarco for episode production.…

1 Season 01 Episode 02 - Wicked Problems 35:51
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In this episode, team members from ASU’s Center for Advancing Interprofessional Practice, Education and Research (Michael Moramarco, Karen J. Saewert, and Jinnette Senecal) and special guest Barbara Maxwell (A.T. Still University - Mesa, AZ) explore the concept and characteristics of wicked problems in relation to health care systems. We discuss the multifaceted ways that interprofessional practice and education may provide a unique lens and set of strategies for approaching the wicked problem of achieving the quadruple aim. The conversation is anchored by select excerpts of conversations the CAIPER team held at the 2018 National Center for Interprofessional Practice and Education’s Nexus Summit (MN). Resources: - Health in America is a Wicked Problem - https://stakeholderhealth.org/wicked-problem/ - Is Teamwork the Solution to “Wicked” Health Care? - https://uofuhealth.utah.edu/accelerate/blog/2017/04/kyle-bradford-jones-is-teamwork-the-solution-to-wicked-health-care.php - Rittel, Horst, and Webber. (1973). Dilemmas in a General Theory of Planning. Policy Sciences 4, Elsevier Scientific Publishing, Amsterdam, pp. 155-159 - https://doi.org/10.1007/BF01405730 - Roberts, N.C. (2000). "Wicked Problems and Network Approaches to Resolution". International Public Management Review. International Public Management Network. 1 (1) http://journals.sfu.ca/ipmr/index.php/ipmr/article/view/175/175 - Sykes, Sam [@SamSykesSwears]. (2018, August 22). every day that spiders have not grown wings is a good day [Tweet]. Retrieved from ??https://twitter.com/SamSykesSwears/status/1032196664470061057 - Wicked Problem (Wikipedia) - https://en.wikipedia.org/wiki/Wicked_problem - World Coordinating Committee All Together Better Health - http://www.atbh.org/about-us.html The CAIPER team would like to extend a sincere note of gratitude and recognition to those who sat down with us at the 2018 Nexus Summit and provided interviews for this episode (in order of appearance): 1. Dr. Barbara Brandt, Director, National Center for Interprofessional Practice and Education, University of Minnesota 2. Dr. Claudia Chaperon*, Associate Professor, University of Nebraska Medical Center 3. Dr. Erin Appelt, Professor of Practice, Midwestern University 4. Dr. Oaklee Rogers, Chair, Occupational Therapy, Assistant Clinical Professor, Northern Arizona University 5. Dr. Lillee Smith Gelinas, Senior Fellow Nurse Executive, Institute for Patient Safety, University of North Texas Health Science Center 6. Stephanie Lackey, Project Coordinator, Accelerating Grant Initiative, National Center for Interprofessional Practice and Education, University of Minnesota 7. Dr. Joy Doll, Associate Professor, Creighton University 8. Dr. Barbara Maxwell, Professor and University Director of Interprofessional Education and Collaboration, A.T. Still University 9. Dr. Shelly Cohen-Conrad, Professor and Director, School of Social Work and the Interprofessional Education Collaborative, University of New England 10. Dr. George M. Thibault, President Emeritus, Josiah Macy Jr. Foundation And finally, a special note of thanks to Aaron Kraft (ASU), for assistance with the media production process during studio recording, and Ricardo Leon (ASU), for series development consultation and on-site conference recording support. *“The Accelerating Interprofessional Community-based Education Practice Grant is supported by the National Center for Interprofessional Practice and Education with funding and in collaboration with Robert Johnson Foundation, the John A. Hartford Foundation, the Josiah Macy Jr. Foundation and the Gordon and Betty Moore Foundation. More information about the National Center can be found at nexusipe.org. This content and opinions are those of the author and should be construed as the official policy of, nor should any endorsements be inferred by the National Center for Interprofessional Practice and Education or any of the National Center’s private founders or funders.”…

1 Season 01 Episode 01 - Where's The Buzz in the Land of IPE? 40:55
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In this episode, team members from ASU’s Center for Advancing Interprofessional Practice, Education and Research (Teri Kennedy, Gerri Lamb, Karen J. Saewert, and Jinnette Senecal) kick off a new podcast series focused on a variety of interprofessional practice and education topics. In this episode, we examine where the “buzz” is in the land of IPE today, and explore what’s on the horizon. We also discuss and reflect on the role and relevancy of developing a podcast series and how it is well-positioned to promote interprofessional knowledge, values, and networks. Resources: - A Report on the Use of Open Access Podcasting in the Promotion of Social Work - http://dx.doi.org/10.1080/0312407X.2014.991338 - Interprofessional Education Collaborative (IPEC®) Core Competencies for Interprofessional Collaborative Practice - https://www.ipecollaborative.org/resources.html - The Pedagogy of Podcasts - https://gcci.uconn.edu/2018/05/30/the-pedagogy-of-podcasts/ The CAIPER team would like to extend a special note of gratitude and recognition to Aaron Kraft, for managing the media production process during recording, and Ricardo Leon, for consultation and post-production services.…

1 Season 01 Episode 00 - Podcast Introduction 1:12
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Arizona State University's Center for Advancing Interprofessional Practice, Education and Research presents CAIPER CONFABS: A health professions podcast by CAIPER Interprofessional By Design™. This podcast series has been designed to address the following goals: -Promote interprofessional knowledge, skills, values, & principles. -Make connections between education and practice. -Engage students and healthcare professionals with real-life practice issues and collaborative solutions.…
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.