Inhalt bereitgestellt von Moreh Gavriel Sanders. Alle Podcast-Inhalte, einschließlich Episoden, Grafiken und Podcast-Beschreibungen, werden direkt von Moreh Gavriel Sanders oder seinem Podcast-Plattformpartner hochgeladen und bereitgestellt. Wenn Sie glauben, dass jemand Ihr urheberrechtlich geschütztes Werk ohne Ihre Erlaubnis nutzt, können Sie dem hier beschriebenen Verfahren folgen https://de.player.fm/legal.
Player FM - Podcast-App
Gehen Sie mit der App Player FM offline!
Gehen Sie mit der App Player FM offline!
Podcasts, die es wert sind, gehört zu werden
GESPONSERT
N
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…
Hebrew For Fun and Prophet
Alle als (un)gespielt markieren ...
Manage series 1448194
Inhalt bereitgestellt von Moreh Gavriel Sanders. Alle Podcast-Inhalte, einschließlich Episoden, Grafiken und Podcast-Beschreibungen, werden direkt von Moreh Gavriel Sanders oder seinem Podcast-Plattformpartner hochgeladen und bereitgestellt. Wenn Sie glauben, dass jemand Ihr urheberrechtlich geschütztes Werk ohne Ihre Erlaubnis nutzt, können Sie dem hier beschriebenen Verfahren folgen https://de.player.fm/legal.
Hebrew for Fun and for Prophet - with Moreh Gavriel Sanders
…
continue reading
15 Episoden
Alle als (un)gespielt markieren ...
Manage series 1448194
Inhalt bereitgestellt von Moreh Gavriel Sanders. Alle Podcast-Inhalte, einschließlich Episoden, Grafiken und Podcast-Beschreibungen, werden direkt von Moreh Gavriel Sanders oder seinem Podcast-Plattformpartner hochgeladen und bereitgestellt. Wenn Sie glauben, dass jemand Ihr urheberrechtlich geschütztes Werk ohne Ihre Erlaubnis nutzt, können Sie dem hier beschriebenen Verfahren folgen https://de.player.fm/legal.
Hebrew for Fun and for Prophet - with Moreh Gavriel Sanders
…
continue reading
15 Episoden
Alle Folgen
×Hebrew for Fun and Prophet 15 with Gavriel Sanders
Hebrew for Fun and Prophet 14 with Gavriel Sanders
Hebrew for Fun and Prophet 13 with Gavriel Sanders
Hebrew for Fun and Prophet 12 with Gavriel Sanders
Hebrew for Fun and Prophet 11 with Gavriel Sanders
Hebrew for Fun and Prophet 10 with Gavriel Sanders
Hebrew for Fun and Prophet 9 with Gavriel Sanders
Hebrew for Fun and Prophet 8 with Gavriel Sanders
Hebrew for Fun and Prophet 7 with Gavriel Sanders
Hebrew for Fun and Prophet 6 with Gavriel Sanders
Hebrew for Fun and Prophet 5 with Gavriel Sanders
Hebrew for Fun and Prophet 4 with Gavriel Sanders
Hebrew for Fun and Prophet 3 with Gavriel Sanders
Hebrew for Fun and Prophet 2 with Gavriel Sanders
Hebrew for Fun and Prophet 1 with Gavriel Sanders
Willkommen auf Player FM!
Player FM scannt gerade das Web nach Podcasts mit hoher Qualität, die du genießen kannst. Es ist die beste Podcast-App und funktioniert auf Android, iPhone und im Web. Melde dich an, um Abos geräteübergreifend zu synchronisieren.





























