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. 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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)…
Главный подкаст об индустрии компьютерной графики.
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Каждую неделю рассказываю о том, что произошло в мире фотографии . Обсуждаем актуальные темы с приглашёнными гостями, разбираем интересные вопросы!
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CG ПОДКАСТ №1

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CG ПОДКАСТ №1

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CG ПОДКАСТ №1

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CG ПОДКАСТ №1

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CG ПОДКАСТ №1

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CG ПОДКАСТ №1

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CG ПОДКАСТ №1

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CG ПОДКАСТ №1

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CG ПОДКАСТ №1

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CG ПОДКАСТ №1

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1:57:25
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1:57:25Илья Шутов. Black Point. by CG ПОДКАСТ №1Door CG ПОДКАСТ №1
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Егор Томский. CG Rave.
1:52:57
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1:52:57Егор Томский. CG Rave. by CG ПОДКАСТ №1Door CG ПОДКАСТ №1
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Дмитрий Веников. Почему раньше было лучше?
1:50:09
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1:50:09Дмитрий Веников. Почему раньше было лучше? by CG ПОДКАСТ №1Door CG ПОДКАСТ №1
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Зачем художнику соцсети? Farely
1:55:54
1:55:54
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1:55:54Зачем художнику соцсети? Farely by CG ПОДКАСТ №1Door CG ПОДКАСТ №1
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Саша Савицкий. T-VFX.
2:22:12
2:22:12
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2:22:12Саша Савицкий. T-VFX. by CG ПОДКАСТ №1Door CG ПОДКАСТ №1
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Brickspacer. Самооценка.
2:02:25
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2:02:25Brickspacer. Самооценка. by CG ПОДКАСТ №1Door CG ПОДКАСТ №1
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Арман Яхин, Юля Гюне. Main Road Post, Monkey Rave Production
1:50:12
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1:50:12Арман Яхин, Юля Гюне. Main Road Post, Monkey Rave Production by CG ПОДКАСТ №1Door CG ПОДКАСТ №1
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