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内容由The Music Interval Theory Podcast提供。所有播客内容(包括剧集、图形和播客描述)均由 The Music Interval Theory Podcast 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。
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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…
059 - 5 Composition Techniques You Should Know
Manage episode 398798994 series 3298466
内容由The Music Interval Theory Podcast提供。所有播客内容(包括剧集、图形和播客描述)均由 The Music Interval Theory Podcast 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。
SHOWNOTES
Here are 5 (or maybe even 6?) composition techniques that have served me very well! and I want you to use them as well!
Don't miss to grab your free Composer's Toolkit right now! It's filled with a ton of helpful and practical information, such as:
https://musicintervaltheory.academy/toolkit/
134集单集
Manage episode 398798994 series 3298466
内容由The Music Interval Theory Podcast提供。所有播客内容(包括剧集、图形和播客描述)均由 The Music Interval Theory Podcast 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。
SHOWNOTES
Here are 5 (or maybe even 6?) composition techniques that have served me very well! and I want you to use them as well!
Don't miss to grab your free Composer's Toolkit right now! It's filled with a ton of helpful and practical information, such as:
https://musicintervaltheory.academy/toolkit/
134集单集
所有剧集
×T
The Music Interval Theory Podcast

The Circle of Interval Magicians https://www.skool.com/circle-of-interval-magicians/about?ref=bfbebbc3d8d04a84806842a78f42963a My mission is to help composers break free from generic progressions and write music that truly stands out. You don't need more theory, you need more MAGIC! Grab my free guide: "5 Spells Every Composer Needs" https://musicintervaltheory.academy/spells/…
The Circle of Interval Magicians https://www.skool.com/circle-of-interval-magicians/about?ref=bfbebbc3d8d04a84806842a78f42963a My mission is to help composers break free from generic progressions and write music that truly stands out. You don't need more theory, you need more MAGIC! Grab my free guide: "5 Spells Every Composer Needs" https://musicintervaltheory.academy/spells/…
T
The Music Interval Theory Podcast

The Circle of Interval Magicians https://www.skool.com/circle-of-interval-magicians/about?ref=bfbebbc3d8d04a84806842a78f42963a My mission is to help composers break free from generic progressions and write music that truly stands out. You don't need more theory, you need more MAGIC!
T
The Music Interval Theory Podcast

The Circle of Interval Magicians https://www.skool.com/circle-of-interval-magicians/about?ref=bfbebbc3d8d04a84806842a78f42963a My mission is to help composers break free from generic progressions and write music that truly stands out. You don't need more theory, you need more MAGIC!
T
The Music Interval Theory Podcast

The Circle of Interval Magicians https://www.skool.com/circle-of-interval-magicians/about?ref=bfbebbc3d8d04a84806842a78f42963a My mission is to help composers break free from generic progressions and write music that truly stands out. You don't need more theory, you need more MAGIC!
T
The Music Interval Theory Podcast

https://www.skool.com/circle-of-interval-magicians/about The Circle of Interval Magicians My mission is to help composers break free from generic progressions and write music that truly stands out. You don't need more theory, you need more MAGIC!
The Circle of Interval Magicians https://www.skool.com/circle-of-interval-magicians/about?ref=bfbebbc3d8d04a84806842a78f42963a My mission is to help composers break free from generic progressions and write music that truly stands out. You don't need more theory, you need more MAGIC!
T
The Music Interval Theory Podcast

Join the Circle of Interval Magicians: https://www.skool.com/circle-of-interval-magicians/about My mission is to help composers break free from generic progressions and write music that truly stands out. You don't need more theory, you need more MAGIC!
T
The Music Interval Theory Podcast

Join the Circle of Interval Magicians: https://www.skool.com/circle-of-interval-magicians/about My mission is to help composers break free from generic progressions and write music that truly stands out. You don't need more theory, you need more MAGIC!
T
The Music Interval Theory Podcast

Join the Circle of Interval Magicians: https://www.skool.com/circle-of-interval-magicians/about My mission is to help composers break free from generic progressions and write music that truly stands out. You don't need more theory, you need more MAGIC!
T
The Music Interval Theory Podcast

Join the Circle of Interval Magicians: https://www.skool.com/circle-of-interval-magicians/about My mission is to help composers break free from generic progressions and write music that truly stands out. You don't need more theory, you need more MAGIC!
T
The Music Interval Theory Podcast

Join the Circle of Interval Magicians: https://www.skool.com/circle-of-interval-magicians/about My mission is to help composers break free from generic progressions and write music that truly stands out. You don't need more theory, you need more MAGIC!
T
The Music Interval Theory Podcast

Join the Circle of Interval Magicians: https://www.skool.com/circle-of-interval-magicians/about My mission is to help composers break free from generic progressions and write music that truly stands out. You don't need more theory, you need more MAGIC!
T
The Music Interval Theory Podcast

Join the Circle of Interval Magicians: https://www.skool.com/circle-of-interval-magicians/about My mission is to help composers break free from generic progressions and write music that truly stands out. You don't need more theory, you need more MAGIC!
T
The Music Interval Theory Podcast

Join the Circle of Interval Magicians: https://www.skool.com/circle-of-interval-magicians/about My mission is to help composers break free from generic progressions and write music that truly stands out. You don't need more theory, you need more MAGIC!
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