2022: The Year That Was

The J Files Podcast

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…

3年之前 35:17

MP3•单集首页

When it comes to unforgettable moments in music 2022 did not disappoint.

180集单集

#Australia #Triple J

2022: The Year That Was

The J Files Podcast

published 3年之前

MP3•单集首页

When it comes to unforgettable moments in music 2022 did not disappoint.

180集单集

#Australia #Triple J

所有剧集

The J Files Podcast

1
2023: The Year That Was 1:00:00

2 years之前1:00:00

1:00:00

2023 had moments for huge celebrations - we were gripped by Matildas fever, celebrated the 50th anniversary since hip hop began its ascent to dominance, saw technology make the impossible possible and heard more great albums than we can count. And music has been there through the hard times too - with devastating global conflicts, a referendum defeat and escalating cost of living pressures. Join Caz Tran as she reflects on some of the year’s biggest music and cultural moments, tracks that got us pumped as well as a whole heap to get excited for in 2024.…

The J Files Podcast

1
DJ Shadow 1:00:00

2 years之前1:00:00

1:00:00

DJ Shadow (Josh Davis) changed the game of instrumental hip hop in the 1990s. An early signee of British label Mo' Wax, his debut album Endtroducing….. blew minds with its fusion of electronic music and hip hop beats and it was entirely composed using samples. But he's not been content to peddle more of the same. Keeping us guessing, pushing himself and the music forward with each release he's experimented with composing, bringing collaborators onboard (like Run The Jewels) and finding new ways of sourcing samples. DJ Shadow recently released his seventh studio album Action Adventure and it’s the perfect time for us to follow him into the studio, backstage at some of the biggest festivals and into crate-filled basements of record stores to understand how he makes his music. In this episode we also hear how Australian producers, musicians and DJs Katalyst, Joelistics and Beatrice Lewis rate DJ Shadow.…

The J Files Podcast

1
Olivia Newton-John 1:00:00

2 years之前1:00:00

1:00:00

Olivia Newton-John is one of the best selling artists of all time. Across a six-decade career that spanned music, stage, screen and health advocacy, she firmly embedded herself in our hearts. Before the huge success of Grease she’d already made her name as a recording artist, earning Grammys, Country Music Awards and a swathe of hit singles. The story of Olivia Newton-John is full of interesting bumps and swerves. She came first in a TV talent contest as a teenager that won her a trip to England where her career first took off. She went from starring in a 1970s sci-fi film that flopped to being cast as a lead in Grease after a chance meeting at a dinner party at Helen Reddy's house. And she nearly didn't release her hit song Physical because she felt it was too risqué! For the final episode of Aus Music Month get to know this legendary singer, performer and advocate who died last year at the age of 73.…

The J Files Podcast

1
Briggs 1:00:00

2 years之前1:00:00

1:00:00

We’re handing the mic to Yorta Yorta rapper and Double J's Australian Artist of the Year winner Briggs. Adam Briggs has carved out such an important legacy in Australian music. From his early days in Shepparton, supporting artists like MC Reason, Funkoars and The Hilltop Hoods to teaming up with Trials in A.B. Original, building his own label Bad Apples Music, and mentoring the next crop of rappers. The J Files celebrates this legend with archive and reflections from Trials, Reason, The Hilltop Hoods, Nooky, BARKAA, DJ Jaytee and more.…

The J Files Podcast

1
Ron S. Peno 1:00:00

2 years之前1:00:00

1:00:00

He may not be a household name, but Ron S. Peno had all the makings of a star. From his smalltown regional NSW upbringing to his early glam and punk groups in Brisbane and Sydney, to wowing audiences overseas and being splashed across the coolest music mags, his life and legacy is as colourful and chaotic as it has been artistic and influential. He was a singer, a songwriter, keen collaborator and dynamic frontman for many different bands, most notably Died Pretty—with albums like Doughboy Hollow, Free Dirt, Every Brilliant Eye remaining on high rotation with music lovers to this day. After Died Pretty, Peno continued performing and recording music, forming alt-country duo The Darling Downs with Kim Salmon and Ron S. Peno and The Superstitions with Cam Butler. His presence and contribution to Australian alternative rock over nearly 50 years has been immense. The J Files is paying tribute to this charismatic, unique and bold singer who died in August this year at the age of 68.…

The J Files Podcast

1
Camp Cope 1:00:00

2 years之前1:00:00

1:00:00

For eight years Camp Cope shook up the Australian music industry with their fearless anthems, raw punk rock and stand against sexism and harassment. After three albums, countless live shows and a music industry forever changed by their advocacy, Georgia Maq, Sarah Thompson and Kelly-Dawn Hellmrich have decided to call it a day. This episode of The J Files celebrates this trailblazing band and their legacy. It features one of their last ever interviews, reflections from fans at their final Sydney Opera House show and from musicians like Teenage Joans, Jen Cloher and Ben Lee.…

The J Files Podcast

1
The Chicks 1:00:00

2 years之前1:00:00

1:00:00

In the late 90s and early 2000s The Chicks (formerly The Dixie Chicks) were the biggest selling female group in the U.S—selling tens of millions of records and changing the face of country music. The trio weren’t afraid to do things their own way—maintaining independence from their label and speaking out about social justice issues. But their comments about George W. Bush at the height of the Iraq War in 2003 saw them blacklisted from country radio stations, receive death threats, have their CDs burnt in public and their songs tumble from the charts. They’ve regrouped, renamed and have come back fighting. Get the full story of the rise, fall, and rise again, of The Chicks ahead of their Australian tour. Featuring stories and reflections from Chicks fans Tami Neilson, Freya Josephine Hollick, Fanny Lumsden, Georgia Maq and more.…

The J Files Podcast

1
Jamiroquai 1:00:00

2 years之前1:00:00

1:00:00

Jamiroquai’s blend of soul, funk, rock, house and jazz was an instant hit. Songs like ‘Cosmic Girl’, ‘Little L’, 'Love Foolosophy' and ‘Virtual Insanity’ are still on high rotation across dancefloors around the world. Fronted by charismatic singer Jay Kay, the English group are in the country later this month to play Harvest Rock festival. This episode is a chance to dive deep into their sound and story—travelling from the early 1990s to now. Featuring archival interviews with Jay Kay, Acid Jazz label founder Eddie Piller, fansite owner David Rowe, and Jamiroquai fans DJ Nina Las Vegas and Allan McConnell from electronic duo Close Counters.…

The J Files Podcast

1
The Birthday Party 1:00:00

2 years之前1:00:00

1:00:00

Australian post-punk group The Birthday Party were loud, raucous and genre-defying. Forming in 1973 as The Boys Next Door, they found limited audiences on home turf and in 1980 they jetted overseas for a crack at breaking into the London music scene, changing their name in the process. The Birthday Party's famously raucous live shows were often confronting and disturbing, and their ferocious sound as a band was a potent cocktail of depravity, absurdity, and the primitive—leading them to be dubbed by the press as "one of the most violent bands in Britain". The group was relatively short-lived, although albums and EPs like Junkyard, Prayers On Fire, Mutiny! and The Bad Seed influenced plenty of bands both in the UK and Australia. The Birthday Party also launched the legendary music careers of Rowland S Howard, Mick Harvey and Nick Cave. In this episode of The J Files hear archival interviews with the band, sound engineer Tony Cohen, filmmaker Ian White, biographer Mark Mordue as well as fresh reflections from Warren Ellis, Tex Perkins and Party Dozen.…

The J Files Podcast

1
Kylie Minogue 1:00:00

2 years之前1:00:00

1:00:00

Australia has produced its fair share of pop stars, but few are as cherished as Kylie Minogue. From humble soap star beginnings to worldwide chart domination, moving effortlessly between pop, dance, and indie, she has truly earned her title as Queen of Reinvention. On the eve of her sixteenth studio album Tension with instant dancefloor hits 'Padam Padam' and 'Tension' we're bringing you up to speed on how she went from doing 'The Loco-Motion' to being an international superstar. With huge thanks to Gemma Pike, Gab Burke and everyone involved in the 2018 Kylie Minogue J Files that this episode is built upon.…

The J Files Podcast

1
System of a Down 1:00:00

2 years之前1:00:00

1:00:00

System of a Down's blend of thrash metal, alternative rock and politics was like nothing we'd ever heard before. Songs like 'Chop Suey', 'Aerials' and 'Toxicity' introduced new fans to heavy music in the late 90s and early 2000s – and were major breakthrough hits for the Armenian-American band that thought they'd never be played on radio. This popularity sat uncomfortably with some of the band, who wanted System to represent a middle finger to conformity and mainstream commercial success. In this episode of The J Files hear interviews with all four band members from the triple j archives discussing the politics, the tension and the legendary live shows. We also check in with triple j legends Emmy Mack, Courtney Fry and Lochlan Watt about why they're still loving System of a Down all these years on.…

The J Files Podcast

1
Kendrick Lamar 1:00:00

2 years之前1:00:00

1:00:00

On the 50th anniversary of hip hop The J Files shines the light on one of the 21st Century's most important voices - Kendrick Lamar. The Compton rapper has had a stratospheric rise since releasing his early mixtapes under the name K.Dot. With five studio albums, a swag of GRAMMYs and a Pulitzer Prize under his belt - he's managed to maintain his artistic integrity and the respect of his peers. Albums like good kid, m.A.A.d city, To Pimp A Butterfly and DAMN. cemented him as a musical icon, but they're not necessarily easy listens. His records are complex and dense conceptual works of art, requiring patience and focused attention. So how has he managed to crossover in such a huge way— commercially as an artist, as well as legitimising the language of hip hop and the stories of the streets? To get the low down on Kendrick Lamar this episode features interviews with the man himself, his biographer Marcus J. Moore, his collaborators Thundercat, Robert Glasper and Kamasi Washington and Australian rappers taking cues from the King - Sampa The Great, JK-47, Tkay Maidza, Ziggy Ramo, B Wise and Tasman Keith.…

The J Files Podcast

1
The Panics 1:00:00

2 years之前1:00:00

1:00:00

Twenty years ago The Panics (Jae Laffer, Drew Wootton, Paul Otway, Jules Douglas and Myles Wootton) released their debut record A House on a Street in a Town I'm From. It was brimming with sun-streaked visions and hazy memories of the people, places and experiences of their hometown Perth. It was clear straight away that this band was onto something special. Across five critically acclaimed albums (including ARIA and J Award winner Cruel Guards), a handful of EPs, relentless touring and massive tracks like 'Don’t Fight It', 'Creaks' and 'My Best Mistake' the band have helped soundtrack some of the key moments in our lives. Singer Jae Laffer guides us through the story of the band, from screen-printing Panics T-shirts in high school art class to being scouted by the Happy Mondays drummer Gaz Whelan to performing on stage with the West Australian Symphony Orchestra.…

The J Files Podcast

1
Angélique Kidjo 1:00:00

2 years之前1:00:00

1:00:00

Angélique Kidjo's powerful voice, infectious enthusiasm and fusion of African rhythms and dancefloor-ready pop music has had the world grooving for close to four decades. Born in Benin, the singer songwriter and activist moved to Paris in her 20s and is now based in New York. Since the early 1990s albums like Logozo and Ayé and hits like 'Agolo' 'Batonga' and 'Wombo Lombo' caught the attention of music fans and DJs in Australia and around the world. Angélique Kidjo is an artist who is constantly pushing the boundaries. As well as singing her own songs in many different languages, she's covered artists like Bob Dylan, Jimi Hendrix and Talking Heads (her 2018 re-imagining of Remain In Light is a standout). And she's collaborated widely—from Sampa The Great to Phillip Glass and the Luxembourg Philharmonic Orchestra. Hear interviews with Angélique from her many tours down under, as well as from tour promoter Mark Sydow who brought her to Australia for the first time, African music broadcaster Stani Goma, and former triple j World Music Show presenter Jaslyn Hall.…

The J Files Podcast

1
Women in Hip Hop 1:00:00

2 years之前1:00:00