Here's The Tower podcast

#Comedy #Scott Ritcher #Music #Arts

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…

Here's the Tower explicit

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Short-form audio adventures from Scott Ritcher and company

120集单集

Here's the Tower explicit

updated 大约1年之前

系列首页•Feed

Short-form audio adventures from Scott Ritcher and company

120集单集

#Comedy #Scott Ritcher #Music #Arts

所有剧集

Here's the Tower

1
I Like to Rap 1:08

45 weeks之前1:08

1:08

Episode 119 I’m the kind of rapper who likes to rap And I’m rapping to my rap songs when I rap And everybody knows that I like to rap And now you’re the one listening to me when I rap And I’m the kind of rapper who likes to rap And if you listen to me then it’s because I’m rapping And if you want to listen to the songs that I rap Well, just listen up cuz here’s how I rap Everybody likes the way that I rap and And I am very popular on account of my raps I purchased many fancy items that I paid for by rapping And lots of pretty women like me due to my rapping Well, I’m the kind of rapper who likes to rap and I’m rapping to my rap songs when I rap And I use lots of slang words when I rap I say fart and mother scratcher when I rap It’s also really fresh and it slaps when I rap I’m the kind of rapper who likes to rap And if you’re rapping along to this Then it’s because my rap songs are catchy Just stand up and rap cuz here’s how I rap Everybody likes the way that I rap And I am very popular on account of my raps I purchased many fancy items that I paid for by rapping And lots of pretty women like me due to my rapping I’m the kind of rapper who likes to rap! Credits: Henri Williams, rapper Scott Ritcher, music and lyrics Nov. 17th Music BMI Visit Here's the Tower…

Here's the Tower

1
KitKat Is a Pretty Good Candy Bar 4:57

47 weeks之前4:57

4:57

Episode 118 KitKat is a pretty good candy bar. It’s certainly not as great as anything in the Reese’s Universe – and we’ll discuss that – but it also certainly isn’t as bad as your neighbor’s mom’s candy bars. It doesn’t have shredded coconut in it. Thank the stars for that. They could do a lot worse. Yikes. Please note that no market research was performed during the creation of this episode. The views and opinions expressed here are purely based on taste and culture. They may not necessarily represent the views of your neighbor‘s mom. Happy Halloween and I hope you all enjoy – at the very least – some pretty good candy bars. Visit Here's the Tower…

Here's the Tower

1
The Concession Speech 2:30

48 weeks之前2:30

2:30

Episode 117 At the end of the long 2024 campaign, Donald Trump gives a late night speech to a crowd of his weary supporters. Scott Ritcher as Trump, with the help of voice-altering software. Visit Here's the Tower

Here's the Tower

1
Throwback Wednesday 4:13

4 years之前4:13

4:13

Episode 116 As a very lucky adult, I have toured the US and Europe many times, singing and playing guitar for people. But in my younger years – when I was the handsome young man you see in this photo – the music I made was keyboard based. When I was a senior in high school, I was in a synthesizer band called Pink Aftershock . We released a cassette tape of some of our originals songs on this date 35 years ago, November 17, 1986. That tape was the first release from a small indie label I operated called Slamdek which issued more than 40 releases by Louisville artists over the following decade. I have always loved the way all the notes are just laid out in front of you on a piano or synthesizer. It makes more visual sense to me than the way they are stacked on a guitar. You can see all the notes at once and choose the colors you’d like to blend. For today’s episode, I used some sounds and techniques that reminded me of the music I loved while growing up, and had a lot of fun combining them with some of the approaches I have been using in music since then. I hope you enjoy it. Music: “Throwback Wednesday” by Scott Ritcher Nov. 17th Music BMI Associate producer: Betsy McClimans Visit Here's the Tower…

Here's the Tower

1
Fort Lauderdale 2:26

4 years之前2:26

2:26

Episode 115 After a long summer’s day on the countryside, two special friends lie in the grass at look at the stars. As their slow, sleepy conversation winds along, some important questions are discussed. Special guest voice: Sararose Willey Music used with permission: “This Is Where He Went” by David Celeste Associate producer: Betsy McClimans Visit Here's the Tower…

Here's the Tower

1
Bisquick 0:45

4 years之前0:45

0:45

Episode 114 In the middle of the supermarket, the protagonist of today’s 44-second audio drama comes to a painful realization. As omniscient observers, we know he shouldn’t be so hard on himself. Despite what the product’s name might suggest, Bisquick can be used for much more than quickly making biscuits. Pancakes, quiches, and pizza crusts can also be found in its wheelhouse. Music: “Ipanema Daydream” by Bird Creek Associate producer: Betsy McClimans Visit Here's the Tower…

Here's the Tower

1
Greatest Speeches of the 20th Century in Stereo 1:25

4 years之前1:25

1:25

Episode 113 From the producers of the groundbreaking documentary “The Greatest Events of World War II in Colour” comes an all new documentary experience: “The Greatest Speeches of the 20th Century in Stereo.” Experience the century’s greatest orators as you’ve never heard them before. Music: “American Frontiers” by Aaron Kelly Associate producer: Betsy McClimans Visit Here's the Tower…

Here's the Tower

1
A Message from the Chattahoochee River Strangler 2:52

4 years之前2:52

2:52

Episode 112 The charming and affable Chattahoochee River Strangler stops by with a personal message for listeners of Here’s the Tower. He doesn’t care for the nickname the media has invented for him, nor is he a fan of the way he was portrayed as evil and mysterious on an earlier episode of this program . He’s so likable and easygoing, the least we can do is give Terry Wayne MacAnaulty a few minutes of our time to set the record straight. Music: “Blue Creek Trail” by Dan Lebowitz Associate producer: Betsy McClimans Visit Here's the Tower…

Here's the Tower

1
Historic YouTube Videos 1:42

4 years之前1:42

1:42

Episode 111 Today we’ll take a look back at some pivotal moments in American history as they unfolded on YouTube… and we’ll enjoy some of the lowest hanging fruit in the world of impersonations. If you take anything away from this episode, I hope it is this catchphrase: What you want to do is just go ahead and jump out of the dirigible. Associate producer: Betsy McClimans Visit Here's the Tower…

Here's the Tower

1
Jars Are Tighter Than Ever 2:43

4 years之前2:43

2:43

Episode 110 Here’s the Tower investigates a coordinated effort by food packagers to make the lids on jars increasingly tighter. This worldwide strategy has resulted in trapping delicious salsa forever inside unopenable jars, as well as a growing stockpile known as the Fort Knox of Pickles. That’s what it’s coming down to, folks. That’s what it’s coming down to. Associate producer: Betsy McClimans Music used with permission: “Minimal Meaning” by Marten Moses Visit Here's the Tower…

Here's the Tower

1
Bicycle Buying Tips 6:20

4 years之前6:20

6:20

Episode 109 The weather is getting warmer and if you’re like a lot of folks, you’re thinking about buying a new bike. Thankfully, your bro Todd is here to answer all your questions on his Legitimate Bicycles Review Channel. Associate producer: Betsy McClimans Music used with permission: “Dainty Day” by View Points “Buckle Up and Break Free” by Harper Rey “Next to You” by Elijah N “Don’t I” by Swif7 “Beach Memories” by Sum Wave “Team Effort” by Earle Belo “Can You Catch Me” by LEL Visit Here's the Tower…

Here's the Tower

1
The Gettysburg Talk 4:48

4 years之前4:48

4:48

Episode 108 Just my luck, I found the real text after I already recorded my dramatic reading… Four score and seven years ago our fathers brought forth upon this continent, a new nation, conceived in Liberty, and dedicated to the proposition that all men are created equal. Now we are engaged in a great civil war, testing whether that nation, or any nation so conceived and so dedicated, can long endure. We are met on a great battlefield of that war. We have come to dedicate a portion of that field, as a final resting place for those who here gave their lives that that nation might live. It is altogether fitting and proper that we should do this. But in a larger sense, we can not dedicate, we can not consecrate, we can not hallow this ground. The brave men, living and dead, who struggled here, have consecrated it, far above our poor power to add or detract. The world will little note, nor long remember what we say here, but it can never forget what they did here. It is for us the living, rather, to be dedicated here to the unfinished work which they who fought here have thus far so nobly advanced. It is rather for us to be here dedicated to the great task remaining before us — that from these honored dead we take increased devotion to that cause for which they gave the last full measure of devotion — that we here highly resolve that these dead shall not have died in vain—that this nation, under God, shall have a new birth of freedom — and that government of the people, by the people, for the people, shall not perish from the earth. Associate producer: Betsy McClimans Original text: Abraham Lincoln Music used with permission: “An Ode to All Mothers” by Howard Harper-Barnes “I Will Return” and “A Life of Devotion” by David Celeste Visit Here's the Tower…

Here's the Tower

1
Tropical, the Island Breeze 2:05

4 years之前2:05

2:05

Episode 107 I had a dream last night about how it was tropical and breezy on the island. Dammit! If I could only focus and put it into words. Associate producer: Betsy McClimans Visit Here's the Tower

Here's the Tower

1
Only With the Utmost Trepidation 0:59

4 years之前0:59

0:59

Episode 106 It is a snowy winter night at the Tower’s mountaintop manor as Lord Chutney responds to a desperate rasp upon the door. A weary guest is brought in from the cold for a private audience with the Tower. But on the way down the twisting hallway and through the library, the visitor is advised to be careful. The Tower is a most curious fellow who exhibits all manner of eccentricity. Associate producer: Betsy McClimans Music: “Only With the Utmost Trepidation” by Scott Ritcher Visit Here's the Tower…

Here's the Tower

1
Chekhov Foxworthy Returns 1:01

4 years之前1:01