WWhat Should I Do With My Money?1 Can We Afford a Wedding, a Home and IVF? 26:12לפני 21 ימים26:12 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי26:12 As a newly engaged couple, Jules and Shay have a lot to look forward to: a destination wedding, starting fertility treatments and the potential of buying a home. But their goals have a short horizon, are they able to save enough to accomplish three large milestones within a five-year period? In this episode, Jules and Shay sit down with Carolina, a Morgan Stanley Financial Advisor to discuss short- and long-term savings strategies, utilizing company benefits and how their families can help them save for a down payment . For more information about this episode and the topics covered, check out our episode page and explore how you can connect with a Morgan Stanley Financial Advisor . Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will be acting in an investment advisory capacity with respect to the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley Smith Barney LLC or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. Residential mortgage loans/home equity lines of credit are offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. With the exception of the pledged-asset feature, a Residential mortgage loans/home equity lines of credit are offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. With the exception of the pledged-asset feature, an investment relationship with Morgan Stanley Smith Barney LLC does not have to be established or maintained to obtain the residential mortgage products offered by Morgan Stanley Private Bank, National Association. All residential mortgage loans/home equity lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Rates, terms, and programs are subject to change without notice. Residential mortgage loans/home equity lines of credit may not be available in all states; not available in Guam, Puerto Rico and the U.S. Virgin Islands. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is an Equal Housing Lender and Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. Nationwide Mortgage Licensing System Unique Identifier #663185. The proceeds from a residential mortgage loan (including draws and advances from a home equity line of credit) are not permitted to be used to purchase, trade, or carry eligible margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; or to make payments on any amounts owed under the note, loan agreement, or loan security agreement; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC. This material has been prepared for informational purposes only. It does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. Morgan Stanley Smith Barney LLC (“Morgan Stanley”) recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Morgan Stanley Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives. Important Risk Information for Securities Based Lending : Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason. Morgan Stanley Smith Barney LLC, its affiliates and their employees are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account. To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC. Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY © 2025 Morgan Stanley Smith Barney LLC. Member SIPC. CRC# 4766848 (09/2025)…
WWhat Should I Do With My Money?1 Can We Afford a Wedding, a Home and IVF? 26:12לפני 21 ימים26:12 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי26:12 As a newly engaged couple, Jules and Shay have a lot to look forward to: a destination wedding, starting fertility treatments and the potential of buying a home. But their goals have a short horizon, are they able to save enough to accomplish three large milestones within a five-year period? In this episode, Jules and Shay sit down with Carolina, a Morgan Stanley Financial Advisor to discuss short- and long-term savings strategies, utilizing company benefits and how their families can help them save for a down payment . For more information about this episode and the topics covered, check out our episode page and explore how you can connect with a Morgan Stanley Financial Advisor . Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will be acting in an investment advisory capacity with respect to the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley Smith Barney LLC or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. Residential mortgage loans/home equity lines of credit are offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. With the exception of the pledged-asset feature, a Residential mortgage loans/home equity lines of credit are offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. With the exception of the pledged-asset feature, an investment relationship with Morgan Stanley Smith Barney LLC does not have to be established or maintained to obtain the residential mortgage products offered by Morgan Stanley Private Bank, National Association. All residential mortgage loans/home equity lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Rates, terms, and programs are subject to change without notice. Residential mortgage loans/home equity lines of credit may not be available in all states; not available in Guam, Puerto Rico and the U.S. Virgin Islands. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is an Equal Housing Lender and Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. Nationwide Mortgage Licensing System Unique Identifier #663185. The proceeds from a residential mortgage loan (including draws and advances from a home equity line of credit) are not permitted to be used to purchase, trade, or carry eligible margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; or to make payments on any amounts owed under the note, loan agreement, or loan security agreement; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC. This material has been prepared for informational purposes only. It does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. Morgan Stanley Smith Barney LLC (“Morgan Stanley”) recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Morgan Stanley Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives. Important Risk Information for Securities Based Lending : Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason. Morgan Stanley Smith Barney LLC, its affiliates and their employees are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account. To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC. Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY © 2025 Morgan Stanley Smith Barney LLC. Member SIPC. CRC# 4766848 (09/2025)…
1 026 EN ES tastelessness word? y a 3:32לפני 7 years3:32 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי3:32 5K hours! Are you ready?
1 025 El sabor de las palabras EN 5:29לפני 7 years5:29 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי5:29 The repertory it’s on.
1 024 Word worlds are you (story telling) 9:49לפני 7 years9:49 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי9:49 Cultural share informal vision of the world by words.
1 023 Get Yourself good words for accuracy 3:19לפני 7 years3:19 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי3:19 🙂 Enjoy fantastic vocabulary !
1 022 Make no jabberwocky Make every word count 5:29לפני 7 years5:29 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי5:29 Las palabras son el aliento de Dios; si hablamos bien todos a favor esto se compone.
1 021 Repaso - reviewing | narrativa a favor 4:19לפני 7 years4:19 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי4:19 Abc phonetics, roots and descriptions. Significado y significantes en valor agregado.
1 020 Keep it simple tweak the mind 4:19לפני 7 years4:19 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי4:19 El entendimiento va en la claridad y calidad de las palabras que maneja.
1 019 Léxico significativo | adjetives 4:29לפני 7 years4:29 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי4:29 Texturas, sonidos, temperatura, sabores. Recolección de instrumentos.
1 018 Códigos Lingüísticos | heavy wordy 5:04לפני 7 years5:04 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי5:04 Un emporio, el repertorio de palabras que enfoquen a lo que si queremos. Una intención comunicativa asertiva
1 017 You are feelings | valor y significado a los datos 3:38לפני 7 years3:38 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי3:38 El mar de las emociones propias puede ser dominado con mañita!
1 016 el diálogo internó es diferente al enunciado | congruent 6:31לפני 7 years6:31 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי6:31 Get the flow of paragraph expression | Like this
1 015a Your show words to easy adapt 3:10לפני 7 years3:10 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי3:10 Patience = meditation (oaai) obverse, absorb, analyze and Integrate. The worth the useful. 📶
1 014 Language learning WH 4:43לפני 7 years4:43 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי4:43 Work out around the areas you are familiar with; WH Structure and questioning.
1 013 Perseverancia, paciencia y manera de cuestionarse 4:46לפני 7 years4:46 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי4:46 El diálogo interno para construir paciencia inquebrantable y motivación de Oro.
1 012 why English and what is meaning? 6:08לפני 7 years6:08 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי6:08 Bitácora de pensamientos sobre los sistemas lingüísticos y opiniones culturales.
HHuman Operating System | Discourse | Semantics | Syntax (how to)1 011 The Useful skills 3:03לפני 7 years3:03 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי3:03 Training and getting best by listening and doing
HHuman Operating System | Discourse | Semantics | Syntax (how to)1 010 Retorica y el tiempo en el que viajamos es en palabras 3:39לפני 7 years3:39 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי3:39 Short story for a new commerce. Historias cortas para el milenios y la retórica lógica de la época.
HHuman Operating System | Discourse | Semantics | Syntax (how to)1 009 Afinando el Discurso 4:19לפני 7 years4:19 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי4:19 Tener palabras claras para un entendimiento contextual mayor 🤔
HHuman Operating System | Discourse | Semantics | Syntax (how to)1 007 Verdad tripartita vs opinion y variables 4:23לפני 7 years4:23 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי4:23 Critical thinking has to be in training mode.
HHuman Operating System | Discourse | Semantics | Syntax (how to)1 008 Comercio los bienes y servicios de todo 9:17לפני 7 years9:17 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי9:17 Human culture perspective it’s all about what you say and how you say it.
HHuman Operating System | Discourse | Semantics | Syntax (how to)1 006 A dreamer from the today 3:20לפני 7 years3:20 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי3:20 The what to do to learn? Is to be attentive, focus, persiste if you think it’s totally worth.
HHuman Operating System | Discourse | Semantics | Syntax (how to)1 005 Enfoque positivo hacia la meta 3:02לפני 7 years3:02 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי3:02 Enrutar el enfoque de lo que estamos haciendo. Usar vocabulario adecuado para generar las preguntas que resolverán lo que buscas.
HHuman Operating System | Discourse | Semantics | Syntax (how to)1 004 Entendiendo los errores del proceso 4:08לפני 7 years4:08 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי4:08 Inmerso en el proceso de aprendizaje. 40 horas
HHuman Operating System | Discourse | Semantics | Syntax (how to)1 003 shoot for the stars and always stay tune 2:42לפני 7 years2:42 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי2:42 El inglés como semillita que se tarda 900 horas para echar raíz y algunas ramitas
HHuman Operating System | Discourse | Semantics | Syntax (how to)1 002 memoria y catalogo 0:29לפני 8 years0:29 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי0:29 La fluidez verbal depende de la claridad de sus palabras expresando ideas y conceptos.
HHuman Operating System | Discourse | Semantics | Syntax (how to)1 Abc EN ES 0:55לפני 8 years0:55 הפעל מאוחר יותר הפעל מאוחר יותר רשימות לייק אהבתי0:55 001 Ingles desde cero