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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…
Knox Sermons
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Contenu fourni par Knox Church. Tout le contenu du podcast, y compris les épisodes, les graphiques et les descriptions de podcast, est téléchargé et fourni directement par Knox Church ou son partenaire de plateforme de podcast. Si vous pensez que quelqu'un utilise votre œuvre protégée sans votre autorisation, vous pouvez suivre le processus décrit ici https://fr.player.fm/legal.
Most sermons delivered at Knox Presbyterian Church in Ann Arbor, Michigan, are available as podcasts. After you subscribe, you will automatically get new sermon podcasts as they become available.
…
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348 episodes
Tout marquer comme (non) lu
Manage series 1860433
Contenu fourni par Knox Church. Tout le contenu du podcast, y compris les épisodes, les graphiques et les descriptions de podcast, est téléchargé et fourni directement par Knox Church ou son partenaire de plateforme de podcast. Si vous pensez que quelqu'un utilise votre œuvre protégée sans votre autorisation, vous pouvez suivre le processus décrit ici https://fr.player.fm/legal.
Most sermons delivered at Knox Presbyterian Church in Ann Arbor, Michigan, are available as podcasts. After you subscribe, you will automatically get new sermon podcasts as they become available.
…
continue reading
348 episodes
Tous les épisodes
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Knox Sermons

When we find ourselves in intense spiritual battles, the promise and hope of Advent is that God is with us in the battle.
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Knox Sermons

1 "The Healing of the Paralytic" 28:22
28:22
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Jesus shows mercy to a paralyzed man and it challenges us with the question, who needs us to attend to them, even showing remarkable creativity and determination to care for them?
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Knox Sermons

1 "The Blind Beggar and the Tax Collector" 30:08
30:08
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Jesus is merciful to both physical and spiritual needs, and the signs that we have encountered his mercy are repentance, restitution, and renewal.
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Knox Sermons

1 "The Centurion’s Servant and the Widow’s Son" 30:03
30:03
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Jesus reveals his heart of mercy to the servant of a Roman centurion, and to the son of a widow, and … to us.
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Knox Sermons

The kingdom of God does not operate on the principle of ‘return on investment.’ It operates on the principle of grace and mercy.
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Knox Sermons

Jesus teaches compassion through the parable of the Good Samaritan.
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Knox Sermons

1 "How Much Mercy, How Much Love" 34:10
34:10
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Jesus teaches that who has been forgiven much, loves much; while those who think they have little need of forgiveness, love little.
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The sign that God's kingdom is present in the world is God’s healing mercy at work.
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Knox Sermons

1 "A Kingdom for the Poor and Vulnerable" 20:50
20:50
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Knox Sermons

1 "God’s Justice and Mercy: Impartial and Preferential" 32:55
32:55
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God’s justice and mercy means that everyone should be treated rightly and fairly. At the same time, it also means that special care, attention, and generosity should be shown toward the poor, the weak, and the vulnerable of society.
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Knox Sermons

1 "God’s Justice and Mercy: Personal and Societal" 30:20
30:20
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Sin, injustice, and evil work interpersonally and relationally, but they also work institutionally, structurally, and systemically in society. However, God’s redemptive grace also works interpersonally and relationally as well as institutionally, structurally, and systemically in society through the establishment of God’s kingdom.…
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Knox Sermons

1 "God’s Justice and Mercy: Individual and Communal" 32:23
32:23
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Sin, injustice, and evil are both individual and communal, and even generational. However, God’s redemptive grace is also individual, communal, and even generational through the outworking of his covenant.
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Knox Sermons

1 “God’s Justice and Mercy: Already and Not Yet” 30:25
30:25
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God’s kingdom of justice and mercy has already arrived and yet is not fully here. Therefore, we should be hopeful but also patient.
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Knox Sermons

1 “A Life of Justice and Mercy” 35:17
35:17
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1 “A People of Justice and Mercy” 33:08
33:08
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God is just and merciful, and he calls his people to be just and merciful—the kind of people who love the sojourner.
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