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What Should I Do With My Money?

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Can We Afford a Wedding, a Home and IVF? 26:12

vor 23 Tagen26:12

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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)…

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This podcast has been provided by the South Pacific Division Sabbath School and Personal Ministries, Christian Services for the Blind and Hearing Impaired and Adventist Media Network and hosted by the Sabbath School Personal Ministries Department at the General Conference of Seventh-day Adventists.

685 Episoden

#Religion #Down 31 #Christianity

Adult Bible Study Guide Podcast

updated vor etwa einem Jahr

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685 Episoden

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July 05, 2025 - Oppression: The Background and the Birth of Moses 54:15:00

vor 15 weeks54:15:00

54:15:00

Scriptural Basis: Exod. 1:1–22; Gen. 37:26–28; Gen. 39:2, 21; Acts 7:6; Gal. 3:16, 17; Exod. 2:1–25. Key Text: “The children of Israel groaned because of the bondage, and they cried out; and their cry came up to God because of the bondage. So God heard t

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June 28, 2025 - Images of the End 49:42:00

vor 16 weeks49:42:00

49:42:00

Scriptural Basis: Matt. 12:38–42; Jonah 3:5–10; Rev. 18:4; Dan. 5:1–31; Rev. 16:12–19; 2 Chron. 36:22, 23. Key Text: “So he said to them, ‘I am a Hebrew; and I fear the Lord, the God of heaven, who made the sea and the dry land’ ” (Jonah 1:9, NKJV). Thi

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June 21, 2025 - Precursors 48:47:00

vor 17 weeks48:47:00

48:47:00

Scriptural Basis: Dan. 2:31–45; Dan. 3:1–12, 17, 18; Rev. 13:11–17; Rom. 1:18–25; Acts 12:1–17; Matt. 12:9–14. Key Text:“For God has not given us a spirit of fear, but of power and of love and of a sound mind” (2 Timothy 1:7, NKJV). This is an audio ver

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June 14, 2025 - Ruth and Esther 48:47:00

vor 18 weeks48:47:00

48:47:00

Scriptural Basis: Ruth 1:1–5; Ruth 2:5–20; Job 1:6–11; Matt. 4:8, 9; Esther 3:1–14; Rev. 12:14–17. Key Text: “So it was, when the king saw Queen Esther standing in the court, that she found favor in his sight, and the king held out to Esther the golden s

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June 07, 2025 - Upon Whom the Ends Have Come 38:19:00

vor 19 weeks38:19:00

38:19:00

Scriptural Basis: Rev. 6:12–17; Matt. 24:36–44; Gen. 6:1–8; 2 Pet. 2:4–11; Gen. 18:17–32; Dan. 7:9, 10. Key Text: “Now all these things happened to them as examples, and they were written for our admonition, upon whom the ends of the ages have come. Ther

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May 31, 2025 - In the Psalms: Part 2 38:19:00

vor 20 weeks38:19:00

38:19:00

Scriptural Basis: Psalm 46, Jer. 4:23–26, Ps. 47:1–4, 1 Thess. 4:13–17, Psalm 75, Rev. 14:6–12. Key Text: “Let the peoples praise You, O God; let all the peoples praise You. Oh, let the nations be glad and sing for joy! For You shall judge the people rig

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May 24, 2025 - In the Psalms: Part 1 44:16:00

vor 21 weeks44:16:00

44:16:00

Scriptural Basis: Heb. 9:11–15, Psalm 122, Psalm 15, Psalm 24, Exod. 33:18–23, Psalm 5, Ps. 51:7–15. Key Text: “Then I looked, and behold, a Lamb standing on Mount Zion, and with Him one hundred and forty-four thousand, having His Father’s name written o

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May 17, 2025 - Foundations for Prophecy 48:55:00

vor 22 weeks48:55:00

48:55:00

Scriptural Basis: Isa. 6:6–8, Gen. 3:21–24, Ezek. 1:4–14, Rev. 4:1–11, Num. 2:3–25, Isa. 14:12–14. Key Text: “Also I heard the voice of the Lord, saying: ‘Whom shall I send, and who will go for Us?’ Then I said, ‘Here am I! Send me’ ” (Isaiah 6:8, NKJV).

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May 10, 2025 - Understanding Sacrifice 43:48:00

vor 23 weeks43:48:00

43:48:00

Scriptural Basis: Isa. 1:2–15, Heb. 10:3–10, Exod. 12:1–11, 1 Cor. 5:7, Hag. 2:7–9, Isa. 6:1–5, Rev. 4:7–11. Key Text: “And they sang a new song, saying: ‘You are worthy to take the scroll, and to open its seals; for You were slain, and have redeemed us

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May 03, 2025 - The Nations: Part 2 36:57:00

vor 24 weeks36:57:00

36:57:00

Scriptural Basis: Gen. 2:9–17; Dan. 2:31–35; Isa. 17:12, 13; Dan. 7:1–3; Rom. 3:10–19; Rev. 12:15, 16; Rev. 10:1–11. Key Text: “Be still, and know that I am God; I will be exalted among the nations, I will be exalted in the earth!” (Psalm 46:10, NKJV).

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April 26, 2025 - The Nations: Part 1 44:20:00

vor 25 weeks44:20:00

44:20:00

Scriptural Basis: Gen. 10:1–12, Gen. 12:1–9, 1 Sam. 8:4–18, Matt. 20:25–28, Rev. 18:1–4. Key Text: “ ‘Then to Him was given dominion and glory and a kingdom, that all peoples, nations, and languages should serve Him. His dominion is an everlasting domini

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April 19, 2025 - Images From Marriage 44:54:00

vor 26 weeks44:54:00

44:54:00

Scriptural Basis: Gen. 2:23–25, Eph. 5:29–32, Ezek. 16:4–14, Rev. 18:1–4, Gen. 24:1–4, Rev. 19:1–9. Key Text: “Then he said to me, ‘Write: “Blessed are those who are called to the marriage supper of the Lamb!” ’ And he said to me, ‘These are the true say

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April 12, 2025 - The Genesis Foundation 43:23:00

vor 27 weeks43:23:00

43:23:00

Scriptural Basis: Isa. 40:7, 8; Gen. 22:1–13; John 3:16; Rev. 5:5–10; 1 Cor. 15:15–19; Rev. 12:1–9. Key Text: “The next day John saw Jesus coming toward him, and said, ‘Behold! The Lamb of God who takes away the sin of the world!’ ” (John 1:29, NKJV). T

vor 44 weeks45:25:00

45:25:00

Scriptural Basis: John 14:10, 24; Gen. 3:7–9; John 16:27, 28; John 16:7–11; John 17:1–26. Key Text: “ ‘The Helper, the Holy Spirit, whom the Father will send in My name, He will teach you all things, and bring to your remembrance all things that I said t

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