Fr. Larry Richards is the founder and president of The Reason for our Hope Foundation, a non- profit organization dedicated to ”spreading the Good News” by educating others about Jesus Christ. His new homilies are posted each week.
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NerdWallet's Smart Money Podcast


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…
1.14.24 Sermon
Manage episode 398239994 series 2349996
内容由Fort Street Presbyterian Church提供。所有播客内容(包括剧集、图形和播客描述)均由 Fort Street Presbyterian Church 或其播客平台合作伙伴直接上传和提供。如果您认为有人在未经您许可的情况下使用您的受版权保护的作品,您可以按照此处概述的流程进行操作https://zh.player.fm/legal。
1.14.24 Sermon by Fort Street Presbyterian Church, Detroit, Michigan
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258集单集
Manage episode 398239994 series 2349996
内容由Fort Street Presbyterian Church提供。所有播客内容(包括剧集、图形和播客描述)均由 Fort Street Presbyterian Church 或其播客平台合作伙伴直接上传和提供。如果您认为有人在未经您许可的情况下使用您的受版权保护的作品,您可以按照此处概述的流程进行操作https://zh.player.fm/legal。
1.14.24 Sermon by Fort Street Presbyterian Church, Detroit, Michigan
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×With millennia of focus on the males of the Bible, Pastor Sarah flips the script. The highlighting of Shiphrah and Puah and their contributions, kick off the four-part series on the women of the Bible.
What thoughts or beliefs are standing in the way of your mental and spiritual vitality? Pastor Garrett explores Jeremiah 18, Kodak's conviction that the printed image is the way to go, and mental inflexibility in "50 Shades of Clay."
Pastor Sarah wraps up the series on the book of Revelation with a message of hope. For many, Revelation has been presented as a stern warning meant to control behavior of the masses. Not so in the hands of both Pastor Sarah and Pastor Garrett. Revelation 21-22 is reinterpreted through the lens of hope. And Pastor Sarah sends the listener into the world encouraged to look for areas of life in need of repair. Relationships? Perspectives? Actual machinery? Let this sermon take you to the place in your spirit where you answer this question for yourself.…
The series on the book of Revelation pushes the limits again. Pastor Garrett flips the script on Revelation 14 and rebuilds it for today drawing a parallel to Rome's "virtue" of domination and our need to be right in social media, our opinions, and daily interactions.
This is how a leader speaks. Pastor Sarah takes us on a book of Revelation journey with the Rider on the White Horse. There are so many quotable moments in this sermon that approaches Revelation with clarity and kindness and not the shame and fear of old.
Guest Preacher Dave Tucker dives deeper into the book of Revelation. And he uses a story about Henry David Thoreau and Ralph Waldo Emerson to paint a modern picture of this encoded book of the Bible.
Every day, there are decisions we make about the truth. Should we say something or just keep it inside? In this moment, Is it better to tell the truth or to lie? Pastor Garrett takes the listener on an emotional ride and relays his own experience with a true crime.
Pastor Sarah dives into the symbolism of the seven seals in Revelation 6 and applies the call to action to modern symbols. The interpretation is fresh and leaves you feeling empowered and not frightened or shamed.
The Summer Series: The Book of Revelation heats up. Pastor Sarah captivates the listener and shares a very personal and very special perspective on fighting empire with worship and surrounding yourself with community.
Throughout modern Christianity, the Book of Revelation has been used to tame the masses with fear. Pastor Garrett offers a new approach when discussing the Book of Revelation. This Sunday, Pastor invites us to listen with fresh ears and to let Revelation stir the imagination--not toward escape, but toward engagement with a world in need of healing.…
Travel to the wild, rugged beauty of El Salvador as Pastor Sarah instructs us on "Traveling Light."
Apply yourself to your goals. Don't let your "buts" stand in the way.
When was the last time you had any amount of time in silence? Pastor Sarah researched the benefits of silence and ponders what could be achieved if each person could listen in the silence.
Pastor Sarah is back from her conference and ready to "Let It Burn!" She issues the challenge to turn up the heat in certain social situations to produce more interesting and engaging conversations.
Guest Preacher Rev. Dr. Bob Cornwall visits FSPC and preaches on the uniting power of the love of the Holy Spirit.
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Fort Street Presbyterian Church

Rev. Emily Anderson joins Fort Street as a guest preacher. She challenges everyone to step up to the plate and keep swinging until you hit a home run for social justice.
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Guest preacher and Fort Streeter, Dave Tucker, knocks it out of the park while the pastors are away. Dave presents the notion that we have several superpowers at our disposal...powers like gratitude and humility.
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Fort Street Presbyterian Church

Pastor Garrett gets you thinking about your expectations when it comes to answered prayer.
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Fort Street Presbyterian Church

Pastor Sarah discusses love and all the little ways we can show love to others as well as the little ways others show they love us.
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Pastor Sarah leads this Easter service and reveals the life-changing nonsense that day.
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Pastor Garrett takes a different view on Thomas' request that Jesus show him his wounds.
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Pastor Garrett speaks up about the disappointments in life.
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Pastors Sarah and Garrett attended a performance of "Swan Lake" last week. And the experience shifted Pastor Garrett's perspective and inspired a new avenue to peacemaking.
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Fort Street Presbyterian Church

3.30.25 Audio Sermon_The Cost of Kindness by Fort Street Presbyterian Church, Detroit, Michigan
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Fort Street Presbyterian Church

Pastor Garrett focuses on meekness and righteousness from the Beatitudes. This sermon will leave you pondering how you can counter anger and hostility with gentleness.
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Fort Street Presbyterian Church

Pastor Sarah makes a case for the Beatitudes speaking to those who feel undeserving and yet are blessed anyway. Make sure you listen all the way to the end.
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Think blessings are earned by hard work and perseverance? Pastor Garrett challenges that thinking with God's word.
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Pastor Sarah is back at the helm. In "Make a Place," she looks at King Solomon and how he shifted his thinking based on his faith to dedicate holy places for all. And she encourages each of us to consider how we can make holy places in our lives.
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Fort Street Presbyterian Church

2.23.25 Audio Sermon - What Belongs to God by Fort Street Presbyterian Church, Detroit, Michigan
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Fort Street Presbyterian Church

Instead of waiting for some executive order or for someone to tell us what to do, ask, "What can I/we do to make the world a better place at this moment?"
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Fort Street Presbyterian Church

The hero is always at work, even when you can't see it.
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Fort Street Presbyterian Church

2.2.25 Audio Sermon_Noisy Gongs by Fort Street Presbyterian Church, Detroit, Michigan
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Fort Street Presbyterian Church

Rather than asking about your purpose in life, ask, "What makes you come alive?" instead.
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Fort Street Presbyterian Church

Pastor Sarah affirms for us that we are a part of the community of God's family.
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Fort Street Presbyterian Church

Pastor Garrett leads us to the observation that "when we look at others, we are looking at a mirror...The profile we create for others is shaped by our own personality."
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Fort Street Presbyterian Church

Pastor Sarah puts a new spin on kindness by examining what people do with their power.
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Fort Street Presbyterian Church

Pastor Sarah challenges us to consider, "Where has love moved you?" Did you move to a new city for love? Is there something that stirs love inside you?
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Fort Street Presbyterian Church

This one is a little extra. For the "Time for the Child" section, there's a guided drawing challenge. And then after a special musical performance, the sermon kicks in.
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Fort Street Presbyterian Church

12.15.24 Audio Sermon-Don't Let Anyone Take Your Joy by Fort Street Presbyterian Church, Detroit, Michigan
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Fort Street Presbyterian Church

Pastor Garrett's message takes us through some of the ways "polite society" keeps us from directly addressing the issues that are roadblocks on the road to peace. Ultimately, he encourages the listener to have the hard conversations and to steadily walk the path toward peace.
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Fort Street Presbyterian Church

Sometimes, we humans have a hard time reading the signs--both literally and figuratively. Pastor Sarah acknowledges there are many opportunities today for anxiety and feeling uneasy. She also takes you through many of the difficult spaces to help you find hope.
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Fort Street Presbyterian Church

Give what you may during this season of stewardship. Time? Talent? Money? Steward" yourself, though, by giving the gift of your kindness.
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Fort Street Presbyterian Church

Pastor Sarah Logemann teaches from the book of Ruth, encourages us to count the number of times we find the word "blessing" in the text, and encourages us to look for blessings where we think there are none.
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Fort Street Presbyterian Church

Pastor Garrett looks to the left and to the right as well as looking up to help us find hope.
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Fort Street Presbyterian Church

Pastor Sarah Logemann catapults us into a different way to think about our beliefs and their affect others. She delivers a different perspective on the 2nd Commandment that says, "You shall love your neighbor as yourself," and the message is enthralling.
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Fort Street Presbyterian Church

Pastor Garrett shares observations on how our personal thoughts and feelings aren't always what they seem...and how we act on them affects those around us.
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Fort Street Presbyterian Church

Rev. Sarah Logemann encourages us to make ripples.
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Fort Street Presbyterian Church

The Rev.Dr. Garrett Mostowski challenges us to lean on God in the present. God doesn't take us to the future and show us where today pays off. And He doesn't ruminate and hold us in a chamber of our past. God is with us today, asking us to trust Him.
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Fort Street Presbyterian Church

Pastor Sarah Logemann revealed her excitement about flipping through "The Guinness Book of World Records" as a child during her "Time for the Child in Us All" segment earlier in the service. She calls back to that lesson as she encourages us to give back and be the best not for the records and attention but just because it's powerful to just give. Mark 9:38-50 is the Scripture reading.…
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Fort Street Presbyterian Church

Pastor Garrett delivers the final sermon in the Book of James series. He invites us to ponder the question, "Why do we pray?" The sermon offers a new take on a common faith question.
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Fort Street Presbyterian Church

Pastor Sarah continues the Book of James series and asks us to think about what we crave...and why.
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Fort Street Presbyterian Church

9.15.24 Audio Sermon Tongue And Words We Speak by Fort Street Presbyterian Church, Detroit, Michigan
Sermon 9.8.24 by Fort Street Presbyterian Church, Detroit, Michigan
6.30.24 Sermon by Fort Street Presbyterian Church, Detroit, Michigan
6.23.24 Sermon by Fort Street Presbyterian Church, Detroit, Michigan
6.16.24 Sermon by Fort Street Presbyterian Church, Detroit, Michigan
6.9.23 Sermon by Fort Street Presbyterian Church, Detroit, Michigan
6.2.24 Sermon by Fort Street Presbyterian Church, Detroit, Michigan
5.26.24 Sermon by Fort Street Presbyterian Church, Detroit, Michigan
5.19.24 Sermon by Fort Street Presbyterian Church, Detroit, Michigan
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