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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…
Relaxing Nature Sounds
Tandai semua (belum/sudah) diputar ...
Manage series 2950505
Konten disediakan oleh Sound Escape. Semua konten podcast termasuk episode, grafik, dan deskripsi podcast diunggah dan disediakan langsung oleh Sound Escape atau mitra platform podcast mereka. Jika Anda yakin seseorang menggunakan karya berhak cipta Anda tanpa izin, Anda dapat mengikuti proses yang diuraikan di sini https://id.player.fm/legal.
Having trouble sleeping? Need some calming sounds while you write? Relaxing Nature Sounds are soundscapes designed for meditation, relaxation, sleeping, and other activates where you need natural ambience in the background.
…
continue reading
89 episode
Tandai semua (belum/sudah) diputar ...
Manage series 2950505
Konten disediakan oleh Sound Escape. Semua konten podcast termasuk episode, grafik, dan deskripsi podcast diunggah dan disediakan langsung oleh Sound Escape atau mitra platform podcast mereka. Jika Anda yakin seseorang menggunakan karya berhak cipta Anda tanpa izin, Anda dapat mengikuti proses yang diuraikan di sini https://id.player.fm/legal.
Having trouble sleeping? Need some calming sounds while you write? Relaxing Nature Sounds are soundscapes designed for meditation, relaxation, sleeping, and other activates where you need natural ambience in the background.
…
continue reading
89 episode
Semua episode
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Relaxing Nature Sounds

Picture yourself diving under the sea. The blue water envelopes you like a blanket. In the distance the loneliest whale in the ocean calls out to you. Relax and close your eyes. Let the song of the whale pull away your anxiety. Focus on the soothing sounds under the sea. Your heart rate slows. Everything is calm and serene. Support, Contact, Listen: https://linktr.ee/Relaxing_Nature_Sounds_Podcast…
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Relaxing Nature Sounds

1 Falls in the Forest (for sleep) | Three Hours 3:00:16
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Picture yourself sitting in the forest. It's autumn. Colorful leaves drift down a stream and cascade over the side of a waterfall. Relax and close your eyes. Let the sounds of the falls in the forest pull away your anxiety. Focus on the soothing sound of nature. Your heart rate slows. Everything is calm and serene. Support, Contact, Listen: https://linktr.ee/Relaxing_Nature_Sounds_Podcast…
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Relaxing Nature Sounds

1 Sultry Summer Evening | 3 Hours 3:00:16
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Picture yourself sitting in the tall grass near a stream. Crickets and frogs sing as the light disappears over the horizon. A wind blows from the east against your shoulders. Relax and close your eyes. Let the sounds of the water pull away your anxiety. Focus on the soothing sound of nature. Your heart rate slows. Everything is calm and serene. Support, Contact, Listen: https://linktr.ee/Relaxing_Nature_Sounds_Podcast…
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Relaxing Nature Sounds

1 Clay Jars Collecting Rain & Thunder | Three Hours 3:00:32
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Picture yourself lightly walking through the temple. Thunder rumbles in the distance. Drops of rain caress your face. Relax and close your eyes. Let the sounds of the rain pull away your anxiety. Your heart rate slows. Everything is calm and serene. Support, Contact, Listen: https://linktr.ee/Relaxing_Nature_Sounds_Podcast…
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Relaxing Nature Sounds

1 Dark Ice (For Sleep) | Three Hours 3:00:27
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Picture yourself lying on a bed of ice. It isn't cold. In fact, the way it bobs on the artic water feels like a gentle sway. Relax and close your eyes. Let the sounds of the melting ice pull away your anxiety. Focus on the sound of the water. Your heart rate slows. Everything is calm and serene. Support, Contact, Listen: https://linktr.ee/Relaxing_Nature_Sounds_Podcast…
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Relaxing Nature Sounds

1 Hard Rain (For Sleep) | Three Hours 3:01:04
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Picture yourself lying under a picturesque sky of blue and violet. The rain comes down in torrents, caressing your face. Relax and close your eyes. Let the sounds of the rain pull away your anxiety. Your heart rate slows. Everything is calm and serene. Support, Contact, Listen: https://linktr.ee/Relaxing_Nature_Sounds_Podcast…
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Relaxing Nature Sounds

Picture yourself throwing a smooth stone across the crashing waves. You can taste the salt in the air. Relax and close your eyes. Let the sounds of the ocean pull away your anxiety. Focus on the sound of the sea. Your heart rate slows. Everything is calm and serene. Support, Contact, Listen: https://linktr.ee/Relaxing_Nature_Sounds_Podcast…
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Relaxing Nature Sounds

Picture yourself lying on the basin floor. The red dirt fills between your toes. The leafy trees tower above. A gentle rain pull away your anxiety. Focus on the soothing sound of nature. Your heart rate slows. Everything is calm and serene. Like what you hear? Why not buy us a burrito?: https://linktr.ee/Relaxing_Nature_Sounds_Podcast…
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Relaxing Nature Sounds

Picture yourself wading through an underground thermal bath. A waterfall cascades down from the temple's ceiling. You stand under the warm water while the steam caresses your face. Relax and close your eyes. Let the sounds of the thermal bath pull away your anxiety. Focus on the sound of the water. Your heart rate slows. Everything is calm and serene. Check out the Album: https://open.spotify.com/album/2UePf554ZmzesU4AgW7FK1 Support, Contact, Listen: https://linktr.ee/Relaxing_Nature_Sounds_Podcast…
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Relaxing Nature Sounds

Picture yourself stepping across the sand dunes. The waves gently sweep over your feet. Relax and close your eyes. Let the sounds of the waves pull away your anxiety. Focus on the soft thunder of the North Sea. Your heart rate slows. Everything is calm and serene. Support, Contact, Listen: https://linktr.ee/Relaxing_Nature_Sounds_Podcast…
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Relaxing Nature Sounds

Picture yourself sitting in a chair so comfortable you can hardly keep your eyes open. The wind whistles outside. The fire on the hearth crackles. Relax and close your eyes. Let the sounds of the fire pull away your anxiety. Focus on the soothing sound of nature. Your heart rate slows. Everything is calm and serene. Support, Contact, Listen: https://linktr.ee/Relaxing_Nature_Sounds_Podcast…
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Relaxing Nature Sounds

Picture yourself lying in a field of wild sunflowers. You stare up the blue sky. A light wind blows. Relax and close your eyes. Let the sounds of the countryside pull away your anxiety. Focus on the soothing sound of nature. Your heart rate slows. Everything is calm and serene. Have a peek at the video versions of our soundscapes: https://www.youtube.com/@RealSoundEscape Support, Contact, Listen: https://linktr.ee/Relaxing_Nature_Sounds_Podcast…
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Relaxing Nature Sounds

1 Rainforest & Coqui Frogs | 8 Hour 8:01:56
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Picture yourself sitting under the rainforest canopy. Coqui frogs call to each other creating a soothing song. A waterfall cascades in the distance. Relax and close your eyes. Let the sounds of the forest pull away your anxiety. Focus on the sound of the coqui frogs. Your heart rate slows. Everything is calm and serene. Buy us a coffee: https://buymeacoffee.com/relaxing_nature_sounds Photo by Thomas Shahan “El Yunque National Forest, Puerto #relaxingnaturesounds #coqui #rainforest #Naturaleza…
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Relaxing Nature Sounds

1 Seljalandsfoss Waterfall | 8 Hours 8:04:50
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Picture yourself standing in a pool of water. You step forward and wet your hair under the cascading waterfall. Relax and close your eyes. Let the sounds of the waterfall pull away your anxiety. Focus on the soothing sound of nature. Your heart rate slows. Everything is calm and serene. Listen to our soundscape album: https://relaxingnaturesounds.bandcamp.com/album/a-journey-begin…
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Relaxing Nature Sounds

Picture yourself hiking through the hills. A creek cuts its way through the rock. The sun is about to set. The crickets have come out to sing. Relax and close your eyes. Let the sounds of the creek pull away your anxiety. Focus on the sound of the water. Your heart rate slows. Everything is calm and serene.…
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Relaxing Nature Sounds

Picture yourself sitting in a chair so comfortable you can hardly keep your eyes open. The wind whistles outside. The fire on the hearth crackles. Relax and close your eyes. Let the sounds of the fire pull away your anxiety. Focus on the soothing sound of nature. Your heart rate slows. Everything is calm and serene. Why I made this soundscape: I made this for Maks. He found me on Insta and said my calming campfire had been nice after a tough week. So, here’s a new fire one. I hope it’s one brings everyone happiness and calmness in the new year. Tell us what you think: https://www.instagram.com/relaxing_nature_sounds_podcast/…
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Relaxing Nature Sounds

1 Seaside Sunset (For Sleep) | 1 Hour 1:00:06
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Picture yourself standing on a rocky coastline. The sea crashes against the wet stones. The sun sits on the horizon. Relax and close your eyes. Let the sounds of the sea pull away your anxiety. Focus on the soothing sound of nature. Your heart rate slows. Everything is calm and serene. Why I made this soundscape: Since these soundscapes are usually without language there are people all over the world listening to them. People from El Salvador to Estonia are tuning-in at the same time. It amazes me that a series of soundscapes I created to help me fall asleep has now been downloaded over three million times. I hope this new seaside one brings you happiness and calmness. Tell us what you think: https://www.instagram.com/relaxing_nature_sounds_podcast/…
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Relaxing Nature Sounds

Picture yourself diving under the sea. The blue water envelopes you like a blanket. In the distance the loneliest whale in the ocean calls out to you. Relax and close your eyes. Let the song of the whale pull away your anxiety. Focus on the soothing sounds under the sea. Your heart rate slows. Everything is calm and serene. Why I made this soundscape: I’ve always loved aquariums. When you stand near the big tanks you feel like you’re under the sea. A few months ago I heard kids could have camp like sleepovers in the aquarium near where I used to live. I wish they had that when I was growing up. Anyways, this is what I think it sounds like if you have a sleepover with a whale. I hope by listening you find happiness and calmness.…
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Relaxing Nature Sounds

1 Whale Song & Lady Zen | 15 Min Reflection 15:12
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Picture yourself diving under the sea. The blue water envelopes you like a blanket. In the distance the loneliest whale in the ocean calls out to you. Close your eyes and listen. Reflect on the week behind you. Reflect on the day ahead of you. Focus on the soothing sounds under the sea. Your heart rate slows. Everything is calm and serene. Why I made this soundscape: I’ve been a fan of Lady Zen’s music for a number of years. A couple of weeks ago she asked if I’d like to create a soundscape with her. I happened to be making this whale one and played it for her. “I like how it feel like the water is covering you like a blanket,” she said. This is the first of many guided reflections we are going to create together over the next few months. Be on the lookout for guided reflections for each of the four elements. Cover Image By Džoko Stach Tell us what you think: https://www.instagram.com/relaxing_nature_sounds_podcast/…
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Relaxing Nature Sounds

Picture yourself strolling through a garden in autumn. You happen upon a stream splashing over stones. A red leaf falls from a tree, slipping into the water. Relax and close your eyes. Let the sounds of the stream pull away your anxiety. Focus on the soothing sound of nature. Your heart rate slows. Everything is calm and serene. Why I made this soundscape: A screensaver came up on my PC showing a rounded red bridge over a stream. It looked so foreign and far away. I thought, “I want to be there today.” So, I created a soundscape that sounded like what I saw. I hope by listening to the bamboo fountain soundscape you find happiness and calmness. We have an all new Instagram: https://www.instagram.com/relaxing_nature_sounds_podcast/…
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Relaxing Nature Sounds

1 Japanese Garden With Chimes | 20 Min Reflection 20:01
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Picture yourself sitting in a garden in autumn. A stream splashes over stones. A red leaf falls from a tree, slipping into the water. A monk strikes a crystal bowl with a mallet. Close your eyes and listen. Reflect on the week behind you. Reflect on the day ahead of you. Focus on the humming sound of nature. Your heart rate slows. Everything is calm and serene. “Crystal Bowl Rhythm” By geerose: https://freesound.org/people/geerose/sounds/264290/ We have an all new Instagram: https://www.instagram.com/relaxing_nature_sounds_podcast/…
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Relaxing Nature Sounds

1 Calming Crackling Campfire (For Sleep) | Eight Hours 8:00:03
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Picture yourself lying next to a campfire. Crickets chirp as night falls. The fire crackles and pops. Relax and close your eyes. Let the sounds of the campfire pull away your anxiety. Focus on the soothing sound of nature. Your heart rate slows. Everything is calm and serene. Why I made this soundscape: I suppose my favorite memory of a campfire is when we celebrated Guy Fawkes Night by building a large bonfire. We were in western England near the welsh border. And we were having a bit of a fancy dress party with finger food and cider. Me and the other boys were asked to shoot off a box of fireworks. By that point in the evening we were all a bit tipsy. But somehow we managed to give the kids a good show. When we were done I grabbed the empty box. For some reason I was sure there were no more projectiles in it. I threw the box on the fire. As I marched away fireworks started shooting out of the bonfire. We all ran and dove on to the ground. This Crackling Campfire Soundscape is a lot more soothing than that night. I hope by listening to it you find happiness and calmness.…
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Relaxing Nature Sounds

1 Summer Rain Storm (For Sleep) | Eight Hours 8:00:19
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Picture yourself standing in the rain. The water droplets run down your face. Relax and close your eyes. Let the sounds of the rain pull away your anxiety. Focus on the sound, sometimes louder, sometimes softer. Your heart rate slows. Everything is calm and serene. Why I made this podcast: It’s rainy season again. The daily deluge cools everything off here in San Miguel. Around this time of year I’m always reminded of my first few months in town. We went to a taco cart and ordered up some gringas de pastor. The rain started. Our backs began to get soaked. Soon our shoes were filled with rain water. But it didn’t matter. As long as we stayed under the awning our tacos couldn’t get wet. I hope by listening to it you find happiness and calmness. Facebook Page (leave your ideas, thoughts, and comments here): https://www.facebook.com/Relaxing-Nature-Sounds-106801641817461…
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Relaxing Nature Sounds

1 Sunrise in Sri Lanka | One Hour 1:00:08
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Picture yourself sitting on top of a forested mountain. The sun peaks through the trees. A rooster crows. Morning is here. Let the birds pull away your anxiety. Focus on the soothing sound of nature. Your heart rate slows. Everything is calm and serene. Why I made this soundscape This morning I woke up when the light was barely coming through my window. I listened to the quiet. I thought, ‘how can I capture that?’ Right around then a rooster from down the hill started crowing. And then a donkey began braying. I slid out of bed and went down stairs. Photo by Mahesh Dias…
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Relaxing Nature Sounds

1 A Lighthouse By The Sea (For Sleep) | Eight Hours 8:02:35
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Picture yourself standing on a rocky cliff. The lighthouse’s search light stares out at the sea. A light rain drizzles. Relax and close your eyes. Let the sounds of the waves pull away your anxiety. Focus on the ocean. Your heart rate slows. Everything is calm and serene. Why I made this soundscape On the back wall, above my bed, are two porthole windows. The light from the street shines through them. I often lie in bed looking at them. They remind me of a lighthouse. A beacon in the fog searching for me. A light trying to bringing me safety home. If you enjoy our soundscapes, you might like our album: https://relaxingnaturesounds.bandcamp.com/album/a-journey-begins…
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Relaxing Nature Sounds

1 Glacier Cave With Stream | One Hour 1:00:01
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Picture yourself hiking through an ice tunnel. The icicles slowly melt and drip off the glacier walls. A small stream trickles through the tunnel. Relax and close your eyes. Let the sounds of the melting ice pull away your anxiety. Focus on the sound of the water. Your heart rate slows. Everything is calm and serene. Why I made this soundscape: I was driving up to Andorra one spring. (Who would have thought there was a country between France and Spain?) The road weaved along the side of a snowy mountain. Icicles were melting and forming a sheet of ice that made it look like I was driving through an ice tunnel. It was one of the most beautiful scenes I’d seen. This soundscape is based on that morning. If you like my soundscapes, you may enjoy our scripted audio-dramas. Go to deepdrag.com and listen to Flies in the Jar.…
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Relaxing Nature Sounds

Relaxing Nature Sounds has been hard at work creating a new fictional audio-drama, Flies In The Jar. Listen to the complete series for free on your favorite podcast app, or by going to our website: https://flies-in-the-jar.captivate.fm/listen Synopsis: A serial pyromaniac fuels fear in a small southern Californian town. A singer-songwriter steals a song that shoots her into stardom. Twenty years later two friends reunite to tell the story and face the past. Flies in the Jar includes themes and dialogue that are not suitable for children.…
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Relaxing Nature Sounds

1 Ocean Waves & Tide Pools (For Sleep) | Eight Hours 8:00:01
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Picture yourself lying on the beach as ocean waves crash. Relax and close your eyes. Let the sounds of the sea pull away your anxiety. Focus on the sound of the ocean. Your heart rate slows. Everything is calm and serene. Why I made this soundscape. Lately, I've been living in the studio on the front of the house while they do construction on the roof of my bedroom. I've found myself waking up several times in the night. I thought trying out eight hour versions of soundscapes that work for me might help. We'll see. I'll tell you next week. If you like my soundscapes, you may enjoy the audio drama I write, Flies in the Jar. You can listen on any podcast platform or on our website at http://deepdrag.com/…
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Relaxing Nature Sounds

1 Song of the Cicada | 20 Min Reflection 20:24
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Picture yourself sitting on a mountain overlooking the Temples of Bagan. It’s early morning and the cicada’s song begins softly. But as the bells call out their song becomes stifling like the humid air. Close your eyes and listen. Reflect on the week behind you. Reflect on the day ahead of you. Focus on the humming sound of nature. Your heart rate slows. Everything is calm and serene. Why I made this soundscape Lately, I’ve been waking up to the cicada hum. It’s often so loud I wonder if it’s real or a noise in my head. Because of how it seemed to take over my brain I became interested in making it into a soundscape. I plan on using this to sit and reflect. Maybe you’ll do the same. Listen on YouTube: https://www.youtube.com/channel/UCRJ3LtepYL5zBObYdCsaQhA “Small Sound Bowls Oscillation” by RomajiBuffalo…
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Relaxing Nature Sounds

1 The River Under the Bridge | One Hour 1:00:24
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Picture yourself sitting on the bank of a river near a stone bridge. Spring has just melted the snow and the water moves quickly over the rocks and stones. A cricket chirps. A bird sings. Relax and close your eyes. Let the sounds of the stream pull away your anxiety. Focus on the sound of the water. Your heart rate slows. Everything is calm and serene. Why I made this soundscape: I’m not against water soundscapes, but they have to have a strong current. I’ve made water trickling soundscapes in the past and every time I play them I end up needing to use the bathroom. So, let’s see how this one works out. They’re continuing to do construction on my roof this week and I hope this will drown out the hammer noise. If you enjoy our soundscapes, you may enjoy our audio dram, Flies in the Jar. Listen for free at http://deepdrag.com/…
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Relaxing Nature Sounds

Picture yourself sitting in a garden. Crickets chirp their song as the last embers of light fade over the horizon. A light wind blows moving chimes every so often. Relax and close your eyes. Let the sounds of the chimes blowing in the wind pull away your anxiety. Focus on the soothing sound of nature. Your heart rate slows. Everything is calm and serene.…
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Relaxing Nature Sounds

Picture yourself lying on a beach. The waves gently sweep across the sand. Relax and close your eyes. Let the sounds of the waves pull away your anxiety. Focus on the sound of the night ocean. Your heart rate slows. Everything is calm and serene. LISTEN TO OUR SOUNDSCAPE ALBUM: https://relaxingnaturesounds.bandcamp.com/album/a-journey-begins Why I made this soundscape: A lot of times when I’m creating a soundscape for sleep I tend to mix in a sound similar to white noise. The constant nature of a waterfall can be pleasing to go to sleep to. This soundscape goes in the opposite direction. I strip out all the wind and seagulls to just have the ever changing sound of calm ocean waves. I hope by listening to it you find happiness and calmness.…
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Relaxing Nature Sounds

Picture yourself sauntering down the Champs-Élysée. A light rain drips down from an overcast sky. Suddenly, the sound of thunder cracks across the city. You dart into a cafe as the rain changes to a downpour and order a café noisette. Relax and close your eyes. Let the sounds of the rolling thunder pull away your anxiety. Focus on the sound of the tropical rain. Your heart rate slows. Everything is calm and serene. LISTEN TO OUR ALBUM: https://relaxingnaturesounds.bandcamp... Why I made this soundscape:A couple years ago I was dating this girl. We both lived in Paris at the time. In the middle of July she had to go up to the US to clear out a storage unit and was gone for two weeks. While she was gone I wanted to send her something to remind her of home. One evening, when it was forecast to rain, I made my way outside the city to Chartres and recorded this thunder storm.This Thunderstorm in Paris Soundscape is that recording. I hope by listening to it you find happiness and calmness.…
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Relaxing Nature Sounds

1 Return to Cinder | | 15 Min Reflection 15:03
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Picture yourself floating towards the banks of the Ganges in Varanasi. The river laps against the boats. As you get closer you hear the sound of the fire burning. Relax and close your eyes. Focus on the hum. Your heart rate slows. Everything is calm and serene. A Journey Begins Album: https://relaxingnaturesounds.bandcamp.com/album/a-journey-begins This is the eighth track of our album. You can listen to the whole thing over on Bandcamp. Each track is a new fifteen-minute soundscape for reflectionand meditation. Special thanks to Lady Zen.…
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Relaxing Nature Sounds

1 By the Sea (for sleep) | 3 Hour 3:00:12
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Picture yourself strolling barefoot down an old dock onto the sand. The summer crowds have long since left. You sit down near the waves and watch the place where water meets shore. Relax and close your eyes. Let the sounds of the sea pull away your anxiety. Focus on the soothing sound of nature. Your heart rate slows. Everything is calm and serene. Why I made this soundscape: I started making these soundscapes for myself. I had a lotof anxiety during the pandemic and listening to stuff like this was the only way to drift off at 3 AM. Now, I’m thinking about stopping. We’ve made 70 soundscapes. Millions of people have listened to them. And I’m working on ascript for an underwater horror movie. If you’d like to listen to more soundscapes by us, have alook at our album: https://relaxingnaturesounds.bandcamp.com/album/a-journey-begins…
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Relaxing Nature Sounds

Picture yourself lying in a field of wild flowers. The rain cascadesdown from the morning clouds. The dirt trails home fill with water. Relax and close your eyes. Let the sounds of the rain pull away your anxiety. Focus on the soothing sound of nature. Your heart rate slows.Everything is calm and serene. If you like this soundscape, support us by purchasing our album:https://relaxingnaturesounds.bandcamp.com/album/a-journey-begins Sound Recording by Dave Filbin…
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Relaxing Nature Sounds

1 Nam Myoho Renge Kyo (Feat Lady Zen) | 15 Min Reflection 15:00
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Listen to our whole soundscape album over on Bandcamp: https://relaxingnaturesounds.bandcamp.com/album/a-journey-begins Prepare your mind and relax your stomach. Draw positive energy into your body. Step out on to the precipice. Breathe in, Breathe out…. Voice by Lady Zen Engineered by Sound Escape
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Relaxing Nature Sounds

Picture yourself sitting in tall grass. Cicadas and frogs sing in a chorus. Gentle waves lap against the shore in the distance. Relax and close your eyes. Let the sounds of the night pull away your anxiety. Focus on the soothing sound of nature. Your heart rate slows. Everything is calm and serene. Why I made this soundscape: This is what it sounds like in the evening at Uncle Bob’splace out in Arkansas. My parents are out there house-sitting at the moment and recorded this a few nights ago. I hope the night chorus helps them sleep. If you like this soundscape, support us by purchasing our album:https://relaxingnaturesounds.bandcamp.com/album/a-journey-begins Sound Recording by Dave Filbin…
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Relaxing Nature Sounds

Picture yourself sitting below a rainforest canopy. The sound of thunder cracks across the valley. A light rain drips off the banana leaves. Soon, the rain changes to a downpour. Relax and close your eyes. Let the sounds of the water pull away your anxiety. Focus on the sound of the tropical rain. Your heart rate slows. Everything is calm and serene. Why I made this soundscape: It’s so hot here. We’ve been leaving all the windows open. Some days we go in the backyard and do a rain dance. The thunderstorms need tocome. The rainy season needs to begin. We create all these soundscapes for free. If you like this soundscape, support us by purchasing ouralbum: https://relaxingnaturesounds.bandcamp.com/album/a-journey-begins…
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Relaxing Nature Sounds

1 Pyrenees Mountain Stream | 1 Hour 1:00:45
1:00:45
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Putar Nanti
Daftar
Suka
Menyukai1:00:45
Picture yourself lying in the tall grass next to a cobblestone bridge. A stream weaves its way past. In the distance a waterfall cascades downthe mountain. Relax and close your eyes. Let the sounds of the stream pull away your anxiety. Focus on the sound of the water. Your heart rate slows. Everything is calm and serene. If you like this soundscape, you’ll probably enjoy our album: https://relaxingnaturesounds.bandcamp.com/album/a-journey-begins…
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Relaxing Nature Sounds

Picture yourself sitting in a garden in autumn. A stream splashes over stones. A monk strikes a crystal bowl with a mallet. Close your eyes and listen. Reflect on the week behind you. Reflect on the day ahead of you. Focus on the humming sound of nature. Your heart rateslows. Everything is calm and serene. A Journey Begins Album: https://relaxingnaturesounds.bandcamp.com/album/a-journey-begins This is the first track of our first album. You can listen to the whole thing over on Bandcamp. Each track is a new fifteen-minute soundscape for reflection and meditation. Special thanks to Lady Zen for providing the voice.…
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Relaxing Nature Sounds

Picture yourself pushing aside a banana leaf and stepping onto the sand. The waves lap against your bare feet. The water collects in tiny tide pools. Relax and close your eyes. Let the sounds of the sea pull away your anxiety. Focus on the soothing sound of nature. Your heart rate slows.Everything is calm and serene. Why I made this podcast I like the idea of a secret cove – a beach that only you know about. Maybe you go there in your mind. Or maybe it really exists and is down a hidden trail. Or maybe it’s a place you went when you were a child and now years later you visit it in your daydream. Experience our soundscape album, A Journey Begins: https://relaxingnaturesounds.bandcamp.com/album/a-journey-begins…
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Relaxing Nature Sounds

Picture yourself sitting at the window. The rain pitter patters outside. Water droplets run down the glass. Relax and close your eyes. Let the sounds of the rain pull away your anxiety. Focus on the soothing sound of nature. Your heart rate slows. Everything is calm and serene. Why I made this podcast I’m down in San Cristobal, Mexico this month. I’ve rented a place on the outskirts of town in the middle of the woods. It’s great for writing. Yesterday it started to storm around 5:00 PM and it continued to rain on through the night. There’s a little woodstove in the kitchen. I got it going good. I sat back, listened to the rain, and did a little daydreaming. Check Us on Insta: https://www.instagram.com/relaxing_nature_sounds_podcast/…
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Relaxing Nature Sounds

Picture yourself floating on blue water, surrounded mangroves. A lite rain sprinkles. The water laps against the shore. Relax and close your eyes. Let the sounds of the Yucatan pull away your anxiety. Focus on the chorus of insects. Your heart rate slows. Everything is calm and serene. Why I made this soundscape: A few years ago I was on Caye Caulker. We had been drinking beer in the afternoon and somehow we thought it would be a good idea to explore the mangroves. So, we borrowed a kayak, and rowed along the blue water. We stopped at a sandy inlet. There we finished off our beers while baking in the sun. After about fifteen minutes it began to ran. I hope by listening to this soundscape you find happiness and calmness. Tell us what you think: https://www.instagram.com/relaxing_nature_sounds_podcast/…
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Relaxing Nature Sounds

1 Niagrara Falls (For Sleep) | 8 Hours 8:00:49
8:00:49
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Putar Nanti
Daftar
Suka
Menyukai8:00:49
Picture yourself lying near a thundering waterfall. The water cascades over the edge. Relax and close your eyes. Let the sounds of the falls pull away your anxiety. Focus on the sound of the water. Your heart rate slows. Everything is calm and serene. Why I made this soundscape The one hour version has always been one of my favorites. It's really good for calming me down and putting me to sleep. Recently, I've had a couple of requests to turn the one hour into an eight hour version. So, I figured why not. I hope by listening to it you find happiness and calmness. Tell us what you think: https://www.instagram.com/relaxing_nature_sounds_podcast/…
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