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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
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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…
The Talented Learning Show
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Contenu fourni par John Leh. Tout le contenu du podcast, y compris les épisodes, les graphiques et les descriptions de podcast, est téléchargé et fourni directement par John Leh 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.
Learning Tech Research + Consulting for LMS Buyers + Sellers
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102 episodes
Tout marquer comme (non) lu
Manage series 2079266
Contenu fourni par John Leh. Tout le contenu du podcast, y compris les épisodes, les graphiques et les descriptions de podcast, est téléchargé et fourni directement par John Leh 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.
Learning Tech Research + Consulting for LMS Buyers + Sellers
…
continue reading
102 episodes
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The Talented Learning Show

1 Podcast 102: Building Culture by Training Professional Drivers 32:32
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Road transport is a complex, highly regulated industry. So, training professional drivers can make a big business impact. How? Find out on this episode of the Talented Learning Show!
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The Talented Learning Show

1 Podcast 101: Inside AI-Native Learning Platforms with Josh Bersin 28:54
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What are AI-native learning platforms? How are they revolutionizing enterprise learning? Josh Bersin explains on this episode of the Talented Learning Show!
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The Talented Learning Show

1 Podcast 100: How Extended Enterprise LMS Consulting Adds Value 54:44
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How does extended enterprise LMS consulting help business software buyers and sellers succeed? Find out on this special 100th episode of the Talented Learning Show!
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The Talented Learning Show

1 Podcast 99: How Can Marketing Improve Enterprise Learning? 31:25
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What can marketers teach enterprise learning leaders about how to package, position, and promote training? Find out from a performance marketing expert on this episode of the Talented Learning Show!
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The Talented Learning Show

1 Podcast 98: What Role Does Training Play in Modern Manufacturing? 29:46
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Skilled workers are the backbone of manufacturing success. How are new training methods helping manufacturers prepare for the future? Find out on the Talented Learning Show!
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The Talented Learning Show

1 Podcast 97: Understanding the Evolving Customer Education Process 32:32
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The customer education process may seem straightforward, but it can be tricky. How are companies meeting the challenge? Find out what a new survey reveals on this episode of the Talented Learning Show!
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The Talented Learning Show

1 Podcast 96: Personal Learning Agents Enter the Workplace 36:50
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What are personal learning agents? How do these AI tools make workplace learning far more timely, relevant and effective? Find out on this episode of the Talented Learning Show!
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The Talented Learning Show

1 Podcast 95: Lessons From a Successful Online Course Company 32:02
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What strategies can help you grow an online course company? Tune in for helpful ideas as one founder shares his best advice on this episode of The Talented Learning Show!
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1 Podcast 94: Can Microlearning Drive Professional Development? 32:00
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How can you use microlearning to transform professional development? Get ideas and inspiration from one school district's example on this episode of Talented Learning Show!
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The Talented Learning Show

1 Podcast 93: Inside a Thriving Certification Training Business 29:05
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What strategies lead to certification training business success? Learn how one online healthcare and IT training company connects students with in-demand skills and jobs on this Talented Learning Show!
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The Talented Learning Show

1 Podcast 92: What Makes Action-First Learning Tick? With Karl Kapp 22:06
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Even engaging instructional content can miss the mark. How does action-first learning overcome this issue? Tune in as John Leh interviews Dr. Karl Kapp on The Talented Learning Show!
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The Talented Learning Show

1 Podcast 91: How AI Transforms Channel Partner Training 29:05
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Trying to use a generic employee LMS for channel partner training can be very frustrating. How do specialized AI-powered solutions help? Find out on this episode of the Talented Learning Show!
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The Talented Learning Show

1 Podcast 90: Managing Complex Professional Education Challenges 29:09
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Professional education can be difficult to manage, especially when it involves skilled people in heavily regulated jobs. How do specialized solutions help?
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The Talented Learning Show

1 Podcast 89: Proven Fintech Software Adoption Strategies 32:15
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How are financial services companies dramatically improving the speed and impact of fintech software adoption? How can other industries leverage these methods? Find out on this Talented Learning Show!
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The Talented Learning Show

1 Podcast 88: The State of Customer Education in Europe 30:43
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Customer education has been on fire in the U.S. for years. But what's happening with customer education in Europe? Find out on this episode of the Talented Learning Show!
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The Talented Learning Show

1 Podcast 87: Taking Video Skill Assessment to the Next Level 32:17
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What's happening at the leading edge of skill assessment? Find out how AI and video tech are transforming skill development on this episode of the Talented Learning Show!
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The Talented Learning Show

1 Podcast 86: A Smarter Way to Drive Software Adoption 28:53
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Enterprise software adoption requires a special kind of strategy. How does innovative learning tech help? Find out on this Talented Learning Show!
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The Talented Learning Show

1 Podcast 85: What’s Next for Learning in Associations? 27:42
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In the wake of Covid, learning in associations needs a comeback. But what's at stake? And what's the best path forward? Find out on this episode of the Talented Learning Show!
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The Talented Learning Show

1 Podcast 84: The Rise of Community Microlearning 31:23
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Microlearning isn't new, but it's often misunderstood. Now there's a new social approach called community microlearning. How does it work? Find out on this episode of the Talented Learning Show!
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The Talented Learning Show

1 Podcast 83: Inside Modern Continuing Education Systems 29:37
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Professional development providers benefit from relying on continuing education systems to support certification training. How does a specialized LMS help? Find out on this Talented Learning Show episode!
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The Talented Learning Show

1 Podcast 82: LMS or TMS — Which is Best for Training Management? 32:44
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Learning management systems are powerful, but they aren't designed to drive complex live classroom logistics. How can a training management system (TMS) help? Find out on this episode of The Talented Learning Show!
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The Talented Learning Show

1 Podcast 81: Using One LMS for Multiple Business Audiences 28:45
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Enterprise learning involves diverse audiences. So, should you rely on just one LMS, or multiple specialized systems? Find out on this Talented Learning Show!
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The Talented Learning Show

1 Podcast 80: Using XR to Level Up Skills Training 25:30
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XR is making a massive impact on workforce skills development across industries. What are the business benefits? Find out on this episode of the Talented Learning Show!
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The Talented Learning Show

1 Podcast 79: Proving the Business Impact of Customer Education 31:30
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Companies everywhere know educated customers drive growth and profits. But how do you prove the business impact of customer education? Find out on this episode of The Talented Learning Show!
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The Talented Learning Show

1 Podcast 78: How to Improve Language Learning With AI 29:17
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Learning a new language isn't easy. Many apps have tried to help, with limited success. But now, AI makes language learning much easier. Find out how on this episode of The Talented Learning Show!
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The Talented Learning Show

1 Podcast 77: Growing a Customer Learning Community 29:23
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What does it take to grow a successful customer learning community? Get useful tips and insights from Oracle University on this episode of The Talented Learning Show!
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The Talented Learning Show

1 Podcast 76: The Power of AI in Microlearning 35:43
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How can organizations engage and educate people more effectively by leveraging AI in microlearning? Find out on this episode of The Talented Learning Show!
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The Talented Learning Show

1 Podcast 75: What is Customer Education? With Debbie Smith 24:18
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What is customer education? Why should businesses pay close attention to this hot trend? Find out from a leading practitioner on this episode of The Talented Learning Show!
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The Talented Learning Show

1 Podcast 74: Growing a Business With Learner Engagement 26:35
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How do learner engagement techniques attract and educate loyal customers who can grow your business? Find out on this episode of The Talented Learning Show!
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The Talented Learning Show

1 Podcast 73: Best LMS Features to Build and Sell Courses Online 28:20
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When subject matter experts want to sell courses online, what LMS features should they look for? Find out on this episode of The Talented Learning Show!
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The Talented Learning Show

1 Podcast 72: Multi-Audience Extended Enterprise Training 29:42
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True extended enterprise training sounds good in theory. But what does it really take for a single LMS to serve internal and external audiences simultaneously? Find out on this Talented Learning Show!
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The Talented Learning Show

1 Podcast 71: How to Succeed With Free Customer Education 27:55
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When does free customer education makes sense? Find out how this strategy drives business success at MongoDB. Listen to this episode of The Talented Learning Show!
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The Talented Learning Show

1 Podcast 70: How an LMS Helps Renew Training Business Content 24:48
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When your training business content grows stale, how can the right LMS help revitalize online courses? Learn from the Institute for Integrative Nutrition on this episode of The Talented Learning Show!
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The Talented Learning Show

1 Podcast 69: How Training Improves Access to Nature 26:04
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Providing better access to nature isn't easy. But one organization is bridging this gap. How do online training and community help? Find out on this episode of The Talented Learning Show!
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The Talented Learning Show

1 Podcast 68: How Training Helps Prevent Sexual Abuse 29:18
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What role does training play in helping organizations prevent sexual abuse? Find out how it fits into a broader business mission on this Talented Learning Show episode!
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The Talented Learning Show

1 Podcast 67: API-Centric Learning Solutions with Tamer Ali 27:39
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EPISODE 67: What is an API-centric learning solution? How does this innovative tech strategy help high-end online learning providers succeed? Find out on this episode of the Talented Learning Show!
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The Talented Learning Show

1 Podcast 66: Extended Enterprise Learning Trends with Barry Kelly 34:18
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What is the state of the extended enterprise learning market? Find out what research reveals on this episode of The Talented Learning Show!
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The Talented Learning Show

1 Podcast 65: Cohort-Based Online Courses with a Twist 29:15
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What are cohort-based online courses, and why are they such a powerful learning strategy? Learn from a real-world example at POWDR on this Talented Learning Show podcast episode!
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The Talented Learning Show

1 Podcast 64: Franchise Learning Systems with Lefteris Ntouanoglou 32:06
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What does it take to support the complex training needs of franchise organizations? Find out on this Talented Learning Show podcast episode!
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The Talented Learning Show

1 Podcast 63: Relaunching Litmos LMS with Mike Scarbrough 29:31
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When SAP sold Litmos to a private equity firm last year, its roadmap wasn't clear. But now, the new CEO outlines the road ahead. Listen to this Talented Learning Show episode!
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1 Podcast 62: Meet Your Learning Content Copilot with Graham Glass 28:28
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The rise of generative AI is behind a surge in LMS innovation. What does this mean for built-in LMS authoring tools? Find out on this Talented Learning Show episode!
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The Talented Learning Show

1 Podcast 61: AI in Learning Systems with Alessio Artuffo of Docebo 28:26
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What should learning professionals know about the latest AI trends? What matters now and how can you prepare for the future? Find out on this episode of The Talented Learning Show!
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The Talented Learning Show

1 Podcast 60: Tips for Moving Training Online – From Kiwanis 24:45
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How can organizations successfully move instructional programs online? Get tips from a learning leader who helped Kiwanis go digital with volunteer training - on this Talented Learning Show podcast!
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The Talented Learning Show

1 Podcast 59: Improving Training Infrastructure with John Peebles 32:37
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Large and fast-growing companies often struggle to grow training programs. How can a training infrastructure platform help? Find out on this episode of The Talented Learning show!
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The Talented Learning Show

1 Podcast 58: Inside Channel Training Systems with Brett Strauss 29:22
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When you want to educate your company's channel partners, what should you look for in a learning system? Find out from an industry pioneer on this Talented Learning Show!
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