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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…
webdev
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Konten disediakan oleh webdev. Semua konten podcast termasuk episode, grafik, dan deskripsi podcast diunggah dan disediakan langsung oleh webdev 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.
Podcast interviewing people from the reddit webdev with 340,000 members. Discussion about software development, web development, web dev, html, css, javascript, full stack, front-end, back-end, devops and everything in between.
…
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15 episode
Tandai semua (belum/sudah) diputar ...
Manage series 3130316
Konten disediakan oleh webdev. Semua konten podcast termasuk episode, grafik, dan deskripsi podcast diunggah dan disediakan langsung oleh webdev 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.
Podcast interviewing people from the reddit webdev with 340,000 members. Discussion about software development, web development, web dev, html, css, javascript, full stack, front-end, back-end, devops and everything in between.
…
continue reading
15 episode
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1 Get a Job: An Interactive Discussion 1:00:24
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Kenny Wilson, Cassidy Williams, Mike Seiler, and Mike M. join together in an interactive discussion about finding jobs in tech - what to look for, what to look out for, and other questions from the audience! Read or listen along to the transcript here: https://share.descript.com/view/Mhawkqk1Mdp This was recorded live! in the /r/webdev+web_design Discord server: https://discord.gg/web…
Discord members introduce themselves and we begin to design an open source project!
Jagz creates a youtube video tutorial series focused on webdevelopment and has several great tutorials focused specifically on the VUE.js framework Quasar https://www.youtube.com/channel/UCyNpa6WDH4i2lEznoju1lMg https://codeguru.io/ https://github.com/quasarframework/quasar

1 Julian from pagecheck.app talks with Mike about distributed systems, postqueue and phore 56:26
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Julian from pagecheck.app talks with Mike about distributed systems, postqueue and phore. He has been working on pagecheck.app for the past three months and is looking for feedback and free beta users using the code webdevtrial! We talk about the distributed architecture that underlies his new app. His postgres server that uses a new framework he built because bull jobs was too slow, and timescaledb - a column oriented automatically partitioned extension to Postgres, and next.js the "next" react framework! https://github.com/meyer9/postqueue - postqueue was written by Julian and is open source. Julian is the lead developer of the Phore cryptocurrency: http://phore.io/ All this while still being a Sophomore at University of California, Santa Cruz!…
Blake Watson is a web designer and developer living outside Jackson, MS. He is a member of the web team at Mad Genius . You can see some of his work over on the Mad Genius portfolio . When not pushing pixels or creating bugs, Blake is probably listening to music , writing a novel , gaming , or enjoying a movie or TV show . Blake has a disability called spinal muscular atrophy , and he is a monthly supporter of NMD United , a non-profit run by adults with nueromuscular conditions for adults with neuromuscular conditions. http://blakewatson.com/ https://practicaltypography.com/font-recommendations.html https://afinestart.me/…
Justin interviews Gabriel "gmem" Simmer, one of the /r/webdev Discord admins and subreddit moderator, about how he got this way, opinions on CMS platforms, and the future of the web. gmem's GitHub: https://github.com/gmemstr?tab=repositories&type=source gmem on Drupal.org: https://www.drupal.org/u/gmem…
Justin interviews Dayvi Schuster AKA @Frosty and his site is https://www.arctek.dev join the discord and say hi https://discord.gg/keD8rZp

1 Monitoring alerts from smart humidifiers 2:28:54
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it's late smart humidifiers ethereum hackathon NPM mid episode craig hiccup devlids.com making fun of Alexa Pomodoro technique and more
Show notes for our new episode: Wildbuddha / Justin joined us for the first time No Endgame spoilers but we talk about it a little along with other comic book movies All about how to use checklists professionally to make sure you do all your easy things and give you the freedom to think creatively - book review of https://www.amazon.com/Checklist-Manifesto-How-Things-Right/dp/0312430000 We almost talked about user onboarding We talked a lot about Imports in javascript and node js How package.json works, what is it, what's wrong with it and Mike is going to do some reading about NPM's documentation deno.land - the new node from ryan dahl creator of node.js Thanks for listening, from Gmem/Gabe, Shadowpath, Mike, and Justin Join the discord if you'd like to join an episode https://discord.gg/keD8rZp…

1 Mikers and Shadow Path chat about PHP, NodeJS and GO 22:29
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Lumen a php microframework by the creators of laravel: https://lumen.laravel.com/ $app->get('user/{id}', function($id) { return User::findOrFail($id); }); https://tutorialedge.net/golang/creating-simple-web-server-with-golang/ func main() { http.HandleFunc("/", func(w http.ResponseWriter, r *http.Request) { fmt.Fprintf(w, "Hello, %q", html.EscapeString(r.URL.Path)) }) http.HandleFunc("/hi", func(w http.ResponseWriter, r *http.Request){ fmt.Fprintf(w, "Hi") }) log.Fatal(http.ListenAndServe(":8081", nil)) }…

1 Do you like SQL tables that go the wide way or the long way? 2:49:17
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https://www.arangodb.com https://reactjs.org/docs/add-react-to-a-website.html

1 Episode 4 - Continous Integration, Security, and Dan 1:46:51
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This week we are joined by bencomicgraphics, gmem, mossbyte, techsquidtv and shadowpath, and covered security on the web, continuous integration and travisci's recent purchase, and explore the life of Dan the developer.

1 Web apps to stream Nirvana and who shot Kurt Cobain? 2:44:58
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We discuss Json resume formats, printing out your portfolio, some top posts from the subreddit and whether Courtney Love shot Kurt Cobain!
episode 1 teaser

1 Inaugural Episode - Introductions, interview tips, war stories, lots more 2:09:57
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Inaugural Episode - Introductions, interview tips, war stories, lots more
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