Gifts of God (Part 3)

Adult and Teen Challenge of the Upper Cumberland

#Religion #Pastor Tim #Pastor Tim McLauchlin #Christianity

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…

5年之前 22:21

MP3•单集首页

The third part in a sermon series from the desk of Pastor Tim McLauchlin

--- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

137集单集

Gifts of God (Part 3)

Adult and Teen Challenge of the Upper Cumberland

published 5年之前

MP3•单集首页

The third part in a sermon series from the desk of Pastor Tim McLauchlin

--- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

137集单集

#Religion #Pastor Tim #Pastor Tim McLauchlin #Christianity

所有剧集

1
Is Your Walk Fruitful? (Part 2) 16:39

4 years之前16:39

16:39

A sermon from the desk of Executive Director, Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

1
Is Your Walk Fruitful? (Part 1) 29:24

4 years之前29:24

29:24

A sermon from the desk of Executive Director, Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

1
The Fear of the Lord (Part 2) 31:14

4 years之前31:14

31:14

The second part in a series from the desk of Executive Director, Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

1
The Fear of the Lord (Part 1) 28:10

4 years之前28:10

28:10

The first part in a sermon series from the desk of Executive Director, Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

1
Don't Be A Fool (Part 2) 26:46

4 years之前26:46

26:46

A sermon from the desk of Executive Director, Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

1
Don't Be A Fool (Part 1) 29:01

4 years之前29:01

29:01

The first part in a sermon series from Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

1
The Word and Power 26:39

4 years之前26:39

26:39

A sermon from the desk of Executive Director, Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

1
Ask, Seek, Remain 31:33

4 years之前31:33

31:33

A sermon from the desk of Pastor Tim McLauchlin, Executive Director of Adult and Teen Challenge of the Upper Cumberland --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

1
Vessels for Purification 29:02

4 years之前29:02

29:02

A sermon from Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

1
Genuine Evidence of Salvation 18:34

4 years之前18:34

18:34

A sermon from the desk of Executive Director, Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

1
Disobedience vs Repentance 25:09

4 years之前25:09

25:09

A sermon from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

1
The Glory of the Lord 27:04

4 years之前27:04

27:04

A sermon from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

1
His Presence, Purpose, and Power (Part 2) 35:19

4 years之前35:19

35:19

The second part in a sermon series from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

1
His Presence, Purpose, and Power (Part 1) 33:15

4 years之前33:15

33:15

A sermon from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

1
Stand! (Live) 31:23

4 years之前31:23

31:23

Enjoy this live recording of a sermon from Pastor Tim McLauchlin at Crossville First Freewill Baptist Church on August 8th. If you would like prayer or are interested in addiction recovery, please call 888-688-0470 --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
His Fullness 28:58

4 years之前28:58

28:58

A sermon from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
Divine Healing (Reupload) 19:55

4 years之前19:55

19:55

A message from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
Blessed to Be A Blessing 26:58

4 years之前26:58

26:58

A message from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
How to Move On From Your Past 28:45

4 years之前28:45

28:45

A message from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
Distractions 36:09

4 years之前36:09

36:09

A sermon from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
Becoming More Christ-Like (Part 4) 27:44

4 years之前27:44

27:44

The fourth part in a series of teachings from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
Becoming More Christ-Like (Part 3) 36:49

4 years之前36:49

36:49

The third part in a sermon series from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
Becoming More Christ-Like (Part 2) 25:55

4 years之前25:55

25:55

The second part in a sermon series from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
Becoming More Christ-Like (Part 1) 31:42

4 years之前31:42

31:42

The first part in a series of lessons from Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
The Turn 32:42

4 years之前32:42

32:42

A message from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
8 Practices to Keep Us From Stumbling 40:25

4 years之前40:25

40:25

A lesson from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
Happy Birthday to the Church 29:39

4 years之前29:39

29:39

A message on Pentecost Sunday from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
The Need for the Holy Spirit 24:45

4 years之前24:45

24:45

A lesson from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
The Holy Spirit, Our Helper and Guide (Part 2) 24:05

4 years之前24:05

24:05

A sermon from the desk of Pastor Tim McLauchlin. --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
The Holy Spirit, Our Helper and Guide (Part 1) 28:05

4 years之前28:05

28:05

A sermon from Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
It's All About Love 21:03

4 years之前21:03

21:03

A sermon from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
I Once Was Lost, But Now Am Found 25:28

4 years之前25:28

25:28

A sermon from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
What Do You Believe About the Resurrection? 25:19

4 years之前25:19

25:19

A lesson from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
He Must Rise 23:54

4 years之前23:54

23:54

A sermon from the desk of Pastor Tim McLauchlin. --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
Living Out Our Salvation 22:38

4 years之前22:38

22:38

A sermon from the desk of Pastor Tim McLauchlin. --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
What a Difference a Year Makes 24:06

4 years之前24:06

24:06

A message from the desk of Pastor Tim McLauchlin. Reflect with him on all that has gone on in the past year. --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
Gifts of the Holy Spirit - Gifts of Love 16:45

5 years之前16:45

16:45

The fourth part in a teaching series from Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
Gifts of the Holy Spirit - Vocal Gifts 27:17

5 years之前27:17

27:17

The third part in a teaching series from Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
Gifts of the Holy Spirit - Power Gifts 32:29

5 years之前32:29

32:29

The second part in a teaching series from Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
Gifts of the Holy Spirit - Revelation Gifts 30:18

5 years之前30:18

30:18

The first part in a teaching series from Pastor Tim McLauchlin. --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
Gifts of God (Part 6) 30:02

5 years之前30:02

30:02

The sixth part in a sermon series from Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
Gifts of God (Part 5) 32:46

5 years之前32:46

32:46

The fifth part in a sermon series from Pastor Tim McLauchlin. --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
Gifts of God (Part 4) 19:37

5 years之前19:37

19:37

The fourth part in a sermon series from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
Gifts of God (Part 3) 22:21

5 years之前22:21

22:21

The third part in a sermon series from the desk of Pastor Tim McLauchlin --- Support this podcast: https://podcasters.spotify.com/pod/show/atcuc/support

Adult and Teen Challenge of the Upper Cumberland

1
Gifts of God (Part 2) 18:49

5 years之前18:49