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Penyair Magang

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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…

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Penyair Magang

Di baringkan senja

Penyair Magang

published for 2 år siden

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Bidadari surga teramat kudus mengidungkan namamu

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Raib 1:22

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Tuhan singgah berdansa lalu moksa ke sepi surga. Sisa darah dari lambungnya menjelma airmata

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Menulis gerimis 1:33

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Mereka jiwa-jiwa lemah Belum mampu mengusung merdeka

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Begitulah mereka tak mampu mengenal Nabinya

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Tertegun kita meninjau Bincah tanah meracau-racau

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Tak ada aku tak ada cemburu

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Kasihku tak sampai, Jakarta 3:50

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Di rangkaian bunga bekas tanganmu inilah, rindu tersangkut dahan layu

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Menjajarimu selalu ku tahan rasuk ngilu dalam rusuk

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Duh, perempuan sabda ilalang Dimanakah rambutmu jombang Tempat burung-burung pulang Dan membuat sarang

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Malam jadi lebih ngilu dari kemarau

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Lalu bernyanyilah lengang di masak tubuh perempuan Tiba-tiba cinta mengemas dirinya jadi rasa yang banal

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Bertamu 0:47

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Aku meminta suakamu

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November 1:59

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Ada kenangan melompat dari buku catatanku, aku menangkapnya, menghempaskannya ke keranjang sampah dengan perasaan yang rawan kosongnya

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Aku ingin ada Aku bosan jadi bayangan

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Kita pergi sedini rinai Belum berdiri, peri bikin kita menarik diri

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Lembut pasirnya pangkuanmu Ruang mimpiku pasrah membiarkan semesta merupanya

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Payah ku ikuti mau alam Mengapa cahaya musti lesa Tapi menunggu pun untuk apa

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Lalu senyum itu Merupa melati Di awal semi

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Mari pergi dari sini, dari jaman yang rumit, menuju cahaya yang berlari seperti penari dari bukit

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Sementara malam pasang membawa cintaku berlayar

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Kamu adalah gelombang sejadi-jadinya mengombang-ambingkan rapuh sampanku

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Ikhlasmu itu, Ning

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Mencintailah secukupnya

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Untuk yang merindu dalam bentang jarak dan bahasa

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Penyair Magang

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