Disembodied Thoughts podcast

#Kayla Curtin and Karina Romero #Karina Romero #Kayla Curtin #Society

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…

Disembodied Thoughts explicit

Series home•Feed

A podcast where the curiosities of life, death and the in-beteeen are celebrated and explored.

62 episodes

Disembodied Thoughts

Disembodied Thoughts explicit

updated about a year ago

Series home•Feed

A podcast where the curiosities of life, death and the in-beteeen are celebrated and explored.

62 episodes

#Kayla Curtin and Karina Romero #Karina Romero #Kayla Curtin #Society

All episodes

Disembodied Thoughts

1
The Truth Is Out There? 40:13

1 year ago40:13

40:13

Have you ever felt a chill down your spine as you realize that the truth you hold may not be the whole story? Our latest episode is a tapestry of such revelations, tracing the shadowy lines between perception and reality through the cinematic Rashomon Effect and philosophical thought. Join us as we unravel the impact of storytelling on memory and truth, inspired by intriguing cinema that distorts reality to mesmerize audiences, and our dear friend Nitzche who believes truth is as unreliable as fictional narratives would lead us to think.…

Disembodied Thoughts

1
Bootleg and Catnip 47:12

1 year ago47:12

47:12

Have you ever considered why, despite intense activism, revolutions in democratic societies like the U.S. seem like a distant echo from our history books? Journey with us as we dissect the anatomy of revolutions and social change and peel back the layers of effective social activism, revealing that the key to enduring change lies in strategic groundwork rather than spontaneous outbursts of protest. We delve into the potency of grassroots movements, the indispensable role of education, and the power of nuanced dialogue, all while weighing the pros and cons of emotionally charged rhetoric versus the disciplined approach necessary for legislative reform. Every vote cast and voice raised is an integral step on the arduous path to progress, and our conversation underscores the pivotal role of these actions in shaping a just society. Lastly, we reflect on the poignant story of the 1968 student-led movement in Mexico, a stirring testament to the collective call for systemic change. We recount the spirit of solidarity that unified Mexican communities, only to be met with the stark brutality of government forces during the Tlatelolco massacre. This historical event, much like the contemporary movements, reminds us of the delicate balance between the power of the people and the narratives constructed by those in power. By remembering such struggles, we safeguard the truth and honor the courage of those who stood, and continue to stand, against oppression.…

Disembodied Thoughts

1
The Town That Never Was and The Towns That Never Should Have Been 50:04

2 years ago50:04

50:04

Join Kayla and Karina for this week’s episode where they discuss small towns with interesting, and terrifying, histories. Which, if any, of these towns would you dare to visit?

Disembodied Thoughts

1
Pour One Out for Our Dried Homies 32:35

2 years ago32:35

32:35

Dearest listeners, tune into this week’s episode to learn about terrifying tales from around the world. Will you learn about a new fear you didn’t even know you had? Maybe. What is certain, though, is that you’ll be in for some riveting retellings of ghost stories!

Disembodied Thoughts

1
Tiny Specks in the Vast Universe 46:55

2 years ago46:55

46:55

Kayla and Karina are back with more than just a philosophical episode title! Listen to this week’s episode right learn a little more about something humans have been fascinated with since it’s inception; death row last meals.

Disembodied Thoughts

1
An Act To Prevent Disorders In The Night 53:12

2 years ago53:12

53:12

If you’re asking yourself what that title could possibly refer to, we suggest you listen to this week’s episode! Join Kayla and Karina as they discuss the dark little secrets some of our cities hold.

Disembodied Thoughts

1
Venn Diagram of Flesh Bones 47:43

2 years ago47:43

47:43

The title won’t be the only thing that’s a little disturbing in this episode. Join Kayla and Karina as they discuss interesting but slightly terrifying facts with you.

Disembodied Thoughts

1
The K’s Gonna Give It To Ya 37:14

2 years ago37:14

37:14

This episode the dynamic duo that are your favorite K’s are gonna give ya the little known passions of historical figures. This episode has it all, from cowboys with robust masculinity to stories about the loneliest genius. Oh! There’s also talk about cults, end of days and even a little rapping. Check this episode out, we guarantee you’re gonna lava it.…

Disembodied Thoughts

1
Ask Not What You Can Do For Propaganda, But What Propaganda Can Do For You 46:35

2 years ago46:35

46:35

Is all propaganda bad? When you think of propaganda, do you solely think of the WWII era? Think there’s no propaganda in the world we live in today? Why don’t you give this episode a listen and see if Kayla and Karina can impart some sick knowledge on you!

Disembodied Thoughts

1
Something Wicked This Way Comes 43:56

2 years ago43:56

43:56

If phrases like “my womb has crops” and “witch’s teat” grab your attention, then you should listen to this week’s episode! Kayla and Karina discuss witches, past and present. You can even learn what kind of witch you are! This episode has it all. Want one more phrase to give you goosebumps? Find out the reference behind, “we are the daughters of the witches you couldn’t burn”.…

Disembodied Thoughts

1
Out of This World 36:23

2 years ago36:23

36:23

What in this world, or out of this world, could have the dynamic duo questioning their own reality and the constructs of the world around us? What do octopus and porcelain dolls have to do with it after all? Tune in to this week’s episode to find out!

Disembodied Thoughts

1
The Plot Chickens 45:32

2 years ago45:32

45:32

Underground cities and Egypt, what could they possibly have in common?! Listen in to this week’s episode, where Kayla and Karina share with you the extraordinary discoveries made by regular folks. Ah, how the plot chickens.

Disembodied Thoughts

1
The Secrets the Redwoods Keep 26:29

2 years ago26:29

26:29

After a lifelong fascination with trees, arborist Blake, and sister Sophie, venture into the woods to discover a family secret they wish they never learned about. Just what secret, you ask? Listen in to find out in this very first fireside story telling episode!

Disembodied Thoughts

1
Tales of Two Skins and Air Goblins 42:36

3 years ago42:36

42:36

In war, and in folktales, there is no winner. This is just one of the lessons Kayla and Karina learn on this week’s episode, as they explore folktales from Nigeria and the Amazon. Listen in to learn about water jujus, air goblins and magical pineapples!

Disembodied Thoughts

1
Vampires 41:11

3 years ago41:11