LOI Central podcast

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Menambahkan nine tahun yang lalu

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NerdWallet's Smart Money Podcast

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Why Refis Are Spiking and How to Optimize Your 401k Target-Date Fund for Long-Term Growth 28:02

16 hari yang lalu28:02

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28:02

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…

LOI Central

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@LOICentralPod is a podcast with opinion, analysis and interviews on all the latest happenings in the League of Ireland, hosted by Johnny Ward & Dan McDonnell

229 episode

#Football #League #Ireland #Soccer #Sports #LOI Central #LOI

LOI Central

51 subscribers

updated 4 hari yang lalu

Beranda serial•Feed

@LOICentralPod is a podcast with opinion, analysis and interviews on all the latest happenings in the League of Ireland, hosted by Johnny Ward & Dan McDonnell

229 episode

#Football #League #Ireland #Soccer #Sports #LOI Central #LOI

Todos os episódios

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Episode 278: S09E30 The Mayhem and the Magic of the Cup 1:22:37

4 hari yang lalu1:22:37

1:22:37

We are back after an international break to forget and savouring a weekend to remember in the FAI Cup unless you happen to be from Connacht. Kerry FC's heroic exploits take top billing, but there's a heavy Sligo Rovers angle to that drama too while Johnny was down at Richmond Park to hear from Kian Leavy and John Caulfield after St Patrick's Athletic got the better of Galway. Dan details a dramatic night in Drogheda and there's a bit of Derry chat too in a crowded mailbag that includes TV statistics, Israel, the DUP and why the difficult child has become the FAI's favourite distraction. In a week of 4-3 wins, we remain grateful to our four sponsors who make this happen consistently - our friends at Future Ticketing, Rascals Brewing, Collar & Cuff and Sport Cosanta…

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Episode 277: S09E29 A Week of Mixed Emotions. Webster on Horgan. Bradley on Europe. 1:21:57

18 hari yang lalu1:21:57

1:21:57

It was a week of mixed emotions for everyone involved in Irish football with news of Ollie Horgan's final farewell coming through ahead of a historic ‘going electric’ night on the pitch for Shamrock Rovers and Shelbourne. We try and cover both bases here with Dave Webster joining to offer his reflections on the joy of working with the late, great Galwegian with Ollie also coming up in the course of Johnny's chat with Stephen Bradley about another landmark achievement for the Hoops. In addition to that, there's saunas in Saints territory, the perils of football addiction, Celje throwbacks, and a come and get me plea to Dubai property buyers. All of this above board fun is brought to you in association with Future Ticketing, Collar & Cuff, Sport Cosanta & Rascals Brewing. Safe travels Mister Horgan.…

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Episode 276: S09E28 - Super Thursday, Azores Review & Victor's €2m move 58:11

25 hari yang lalu58:11

58:11

The lads take stock as Shelbourne and Shamrock Rovers are both tantalisingly close to group stage football after a quite incredible night on Thursday. Dan relays his trip to the Azores, where some locals were more interested in the staff in the chip van than whether the Rovers performance was different gravy to other LOI wins in Europe. The lads discuss that point but there is no debate around the emotional moment of the week. We're recording from JW's apartment for sale, but his last cup of tea in the old place is about as satisfying as the pitch in Drogheda, while he's alarmed at Galway's squad disintegrating in the off-season. Dan discusses the joys of a global transfer story, with the size of Victor Ozhianvuna's fee just one of the discussions arising from a crowded mailbag which includes something even more precious than the sweet taste of a jaffa cake - an actual quote from a referee! All of this and more is brought to you with our friends at Collar & Cuff, Sport Cosanta, Future Ticketing & Rascals Brewing…

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Episode 275: S09E27: FAI Cup/Oasis Wrap & Patrick Hoban Chat 1:05:52

5 weeks yang lalu1:05:52

1:05:52

Our LOI family full of eccentrics is back this week, a little hoarse ten years on from a fine day involving a horse. Did Oasis hit the FAI Cup crowds? Did the Mrs. Browns Bohs fans at Oasis even know they were out of the FAI Cup? Is Liam Gallagher really just a poor man's Sean Malee? The lads butt heads on this and more before we hand the mic over to another forthright front man with Patrick Hoban dialling in to discuss the miserable end to his time at Derry and what the club needs to do to graduate from supporting act to headline artist. There's also a packed mailbag with Rory Gaffney love, the return of Dalymount doom, a five a side angle with a twist and at least one reference to Alphaville. May we stay Forever Young with the help of Rascals Brewing, Collar & Cuff, Sport Cosanta and Future Ticketing. Say it loud and sing it proud today.…

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Episode 274: S09E26 Shels Heartbreak, Ref Rage & Conan Byrne Chat 1:25:46

6 weeks yang lalu1:25:46

1:25:46

It’s a two part show this week as Johnny and Dan kicks things off on location in Tolka Park, picking through the bones of a near miss for Shelbourne that sends them to the European last chance saloon. After the Shels wrap, we go back in time to Oliver Ireland for a catch-up with Conan Byrne that – amongst other things – touches on the pros and cons of punditry and coaching as he embraces a new football life. We also hear about his follow-up meeting with Patrick McEleney after THAT dive in Derry, a topical segue into a mailbag dominated by refereeing rage with a side of VAR that turned out to be a window into the very near future. Throw in another game of Bohs jersey watch, a bad Brandywell bet and an unexpected war on winking and it’s another packed show with thanks to our never late and always great friends from Rascals Brewing, Collar & Cuff, Sport Cosanta and Future Ticketing. Hopefully this isn’t a waste of your time..…

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Episode 273: S09E25: European Race > Title Race, Jersey Spotting & Ticket Talk 1:13:39

7 weeks yang lalu1:13:39

1:13:39

It’s another remote session this week with the lads rattling through the talking points of the week and some discussion starters that have very little to do with anything from the last seven days. Can Shels, Pat’s and Shamrock Rovers extend their European adventures? What’s the story with the way Dan says Lithuania? Have European competitions become too bloated? What’s the right way to say protagonist? You can decide what the important questions are but we do look forward to more UEFA sanctioned fun – with some words over Zoom from Joey O’Brien and the nodding Evan Caffrey – before deciding that the race for Europe 2026 is going to dominate the rest of this league campaign. Our mailbag covers Drogheda delays, ticket price theories, and one listener’s exhaustive jersey search at All Together Now. All of this stopstart fun is brought to you in association with Sport Cosanta, Future Ticketing, Collar & Cuff and Rascals Brewing…

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Episode 272: S09E24: Brandywell Bother, Chaos at the Cross & European Matters with Barry Murphy 1:04:51

8 weeks yang lalu1:04:51

1:04:51

We are back in Oliver Ireland this week, with the steady hands of Barry Murphy adding depth to our conversation. European matters take second billing behind a dramatic Friday night that has left a legacy of regret and recriminations. Cork City’s demise is analysed and there’s a bit of Galway United stress too before a packed mailbag is dominated by fraught events in Derry that raise big questions about the operations at the Brandywell. There’s also late transfer deals, Barry’s audacious Oasis-Dublin Marathon swap plans, recurring players to watch and an ode to the joys of Leisureland. We’re available on more than two channels and we wouldn’t be going for gold without the help of Future Ticketing, Collar & Cuff, Sport Cosanta and Rascals Brewing.…

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Episode 271: S09E23 LOI in Europe, Cup cruises and Chris Shields chat 1:16:00

9 weeks yang lalu1:16:00

1:16:00

We’ve reached that glorious point of the year where the evidence of one tie makes us experts on the levels of teams from Lithuania, Azerbaijan and wherever else the European dice rolls. Chris Shields wasn’t guessing about Shelbourne when the Champions League set up a cross border clash and the Linfield midfielder dials in to give us his reflections and regrets before a bit of general LOI chat. The cup didn’t do a huge amount to float our boat this week, although Dan was still flagged for pirating offences, a prelude to a mailbag with more Cork based concerns, crisp dilemmas, and the return of the Oriel Park pitch review. Thanks as ever to Future Ticketing, Collar & Cuff, Sport Cosanta and Rascals Brewing for keeping our ship afloat.…

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Episode 270: S09E22 with Dave McMillan & Paddy Kavanagh 1:07:06

10 weeks yang lalu1:07:06

1:07:06

Johnny is out of the building this week but we’ve got solid foundations visiting Oliver Ireland absence with a representative from the construction industry and an architect – neither of whom identify as ex-footballers. Paddy Kavanagh and Dave McMillan do have experience of several of the themes we discuss this week; confident attackers, the psychology of European ties and the ingredients that are needed to challenge for a title. We talk Bohs form, Sligo Rovers v Derry implications and the second leg task facing Shelbourne and St Patrick’s Athletic before there’s a slight diversion towards angry Falkirk fans and Florent Malouda’s Turkish entourage. Thanks to Collar & Cuff, Future Ticketing, Rascals Brewing and Sport Cosanta for keeping the show on the road. If you’re ever struggling to do the same, Dan can recommend a fella in Clontarf……

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Episode 269: S09E21 LOI in Europe, Nationwide Mailbag & Destructive Derry 1:29:52

11 weeks yang lalu1:29:52

1:29:52

European football is here, a chance to learn about new teams, unknown players and exotic places. And then there’s Shelbourne v Linfield. The first section of this show is taken up by discussion of Wednesday night with a bit of Mark Coyle, Joey O’Brien and David Healy audio thrown in. Have Linfield staff attended more FAI Cup finals than your average Irish tourist in Cambrils? This week’s show might just provide the answer. We also discuss St Pat’s, the Streisand effect and the goal return in Inchicore being similar to the alcohol content in Johnny’s beverages of choice. In a crowded mailbag, we have a bit of podcast to podcast action, Dermot Usher analysis, the inevitable Derry City title race discussion and much more besides. All of this 24 hour partying is brought to you in association with Rascals Brewing, Collar & Cuff, Future Ticketing and Sport Cosanta.…

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Episode 268: S09E20: Oasis, Keane, James-Taylor, Moses and Duff 1:28:13

12 weeks yang lalu1:28:13

1:28:13

Won’t somebody think of the football? After a day dominated by the latest Bohs jersey launch and another famous face performing an acting masterclass at the Cross, Dan and Johnny try to merge Tuesday’s box office activity with the oft forgotten events on the pitch. This wide-ranging session brings us from Oasis to Odubeko, and from Keane to Keena while there’s also enough there for the obsessives – be they journalists or non-Shels fans – who can still hear the sound of Duff. We hear from Joey O’Brien about a relationship that will live forever, while John Caulfield tells us the story behind Moses relocating half the world away and the lads also analyse the reasons behind Douglas James Taylor just yesterday morning letting Drogheda know he was gone. All these shoehorned song lyrics are brought to you in association with our friends at Sport Cosanta, Collar and Cuff, Future Ticketing and Rascals Brewing. Lame jokes? Yes but, by now, you should have somehow realised what we were going to do.…

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Episode 267: S09E19 Duff Love, Bohs Brilliance, Pat's Pressure and Chaos in Cork 1:32:23

13 weeks yang lalu1:32:23

1:32:23

We've had a double header in both divisions since our last show but there's only discussion point on the agenda today; what about those goalscoring Lomboto brothers? They have their own God but our main talking point, naturally enough, is how the League of Ireland will cope without its sometime messiah Damien Duff, who interrupted the regular Sunday service to make a shocking exit to a Simply Red tune. We'll hear bits from his last press conference before pondering the chain of events that few saw coming - not even from the grassy knoll. It's not just a Duff show - contrary to predictions - as there's a bit of Bohs brilliance, and Alan Reynolds talking about a return from the dead over Easter that appears to be attracting a growing number of devotees. Johnny took his microphone to Inchicore to catch the thoughts of an under-pressure Stephen Kenny and also hear a few words from Derry's Tiernan Lynch and Liam Boyce. We also have pizza tales from Ballybofey, Hurley as Moleman, missed messages, the context to crazy scenes in Cork and Moses stepping out of line. Your weekly sermon of football opinions interspersed with Simpsons, Father Ted and Only Fools and Horses references comes to you in association with Rascals Brewing, Sport Cosanta, Future Ticketing & Collar & Cuff, all of whom will be back next week, but Damien won’t, or will he?…

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Episode 266: S09E18: Disappointed Drogs, Euro Draws & Ruaidhri Higgins Chat 1:08:21

13 weeks yang lalu1:08:21

1:08:21

We are back in Oliver’s offices to discuss a week that delivered an unwelcome twist for Drogheda United with the excitement of the European draws leaving the Boynesiders with a bitter aftertaste. Dan gives the lowdown on the story in a crowded mailbag that also features the content king that always delivers - an outraged Damien Duff. We talk dressing room songs, tinfoil hats, relentless Rovers and much more before we dial up our old pal Ruaidhri Higgins who discusses life in Coleraine, scotches a ‘lazy’ transfer rumour and then gives us the rundown on Shels v Linfield before we finish the show with the Grok/Athlone/Ulysses mash up that nobody wanted. This beefy effort is brought to you in association with Collar & Cuff, Rascals Brewing, Future Ticketing & Sport Cosanta.…

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Episode 265: S09E17 - Mid-Season Musings, Transfer Targets & Crowded Houses 1:22:53

16 weeks yang lalu1:22:53

1:22:53

AS most of the League of Ireland heads for the departure lounge, our co-hosts are back via arrivals to take their regular perch in Oliver Ireland for our mid-season review. We make it there with the help of a stopover on the turbulence of media relations in a small world, before ascending to broader discussions around Josh Honohan’s public feedback, the beauty of Galway’s defensive formations and Seani Maguire speculating on how far Cathal O’Sullivan can go. This is interspersed with general musings about the futility of our existence, the reasons in favour of a mid-season break, the absence of granny killers in the league, and a Crowded House diversion that is nothing to do with stadium capacities and everything to do with the pre-professionalism haze of the Viper Room sometime in the 2000s. Confused? Soon, we’ll all be asking what the Grok is going on. There’s nothing artificial about the support we receive from Collar & Cuff, Sport Cosanta, Rascals Brewery and Future Ticketing that makes it all happen.…

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Episode 264: S09E16 avec Graham Gartland, Johnny Kenny and Conan Noonan 1:10:10

16 weeks yang lalu1:10:10

1:10:10

Episode 16 took all the patience of Collar & Cuff, Future Ticketing, Sports Cosanta and Rascals Brewery to make it to the finish line. Recorded over two nights due to rural broadband shenanigans we eventually got Conan Noonan, on loan at Waterford from Shamrock Rovers, and Johnny Kenny, who was on loan at Shamrock Rovers from Celtic last season, into a virtual room to meander upon girlie haircuts, the Kennedy Cup, and their bullish future ambitions. They go back nearly a decade in terms of interaction and our guest co-host Graham Gartland has the Zelig like qualities of being a gym buddy and a quiz question this week. There's a usual stuffed mailbag, a whirlwind look at the state of the table and do we all agree the title race is over? Tune in for a great episode and apologies for the sound quality, we were up against it!…

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