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تمت الإضافة منذ قبل eight عام

المحتوى المقدم من Eesti Rahvusringhääling. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Eesti Rahvusringhääling أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.

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What Should I Do With My Money?

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What Should I Do With My Money? podcast artwork

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

منذ 23 يومًا26:12

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26:12

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)…

Aiatark

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منزل السلاسل•Feed

المحتوى المقدم من Eesti Rahvusringhääling. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Eesti Rahvusringhääling أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.

"Aiatark" on iga-pühapäevahommikune saade hobiaednikele ja kõigile loodusest huvitatuile. Saade annab nõu koduaias toimetamiseks, kutsub talviti aialinde loendama ja botaanikaaedadesse näitustele. Lisaks õpetab taimehaigusi ja -kahjureid tõrjuma, puid-põõsaid pügama, aiapäevikut pidama ja tutvustab maheaianduse põhimõtteid. Saates saavad sõna nii Maaülikooli teadurid, tegev- ja hobiaednikud kui kaunimate aedade konkursi korraldajad. Saatejuht ja toimetaja on Kaja Kärner.Pühapäeviti kell 9.05.

… continue reading

676 حلقات

#Society #Vikerraadio #Eesti Rahvusringhääling #Music #News #ERR

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Aiatark

updated منذ 3 أعوام

مشاركة

منزل السلاسل•Feed

المحتوى المقدم من Eesti Rahvusringhääling. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Eesti Rahvusringhääling أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.

"Aiatark" on iga-pühapäevahommikune saade hobiaednikele ja kõigile loodusest huvitatuile. Saade annab nõu koduaias toimetamiseks, kutsub talviti aialinde loendama ja botaanikaaedadesse näitustele. Lisaks õpetab taimehaigusi ja -kahjureid tõrjuma, puid-põõsaid pügama, aiapäevikut pidama ja tutvustab maheaianduse põhimõtteid. Saates saavad sõna nii Maaülikooli teadurid, tegev- ja hobiaednikud kui kaunimate aedade konkursi korraldajad. Saatejuht ja toimetaja on Kaja Kärner.Pühapäeviti kell 9.05.

… continue reading

676 حلقات

#Society #Vikerraadio #Eesti Rahvusringhääling #Music #News #ERR

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Aiatark

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Aiatark. Potijõulupuud 10:53

منذ 3 years10:53

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10:53

Kuidas potijõulupuud toas hoida ja kas seda õnnestub kevadel ka õue maha istutada? Räägib Jaan Mettik botaanikaaiast. Küsib Kaja Kärner.

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Aiatark

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Aiatark. Väikesed jõulukuused 8:30

منذ 3 years8:30

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8:30

Külas on Jaan Mettik Tallinna Botaanikaaiast, et aidata otsustada, kas on mõtet osta poest kunstlume ja säravate spreidega üle pihustatud pärgi ja väikesi okaspuid.

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Aiatark

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Aiatark. Viinamarjad ja turba alternatiiv 9:40

منذ 3 years9:40

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9:40

Maaülikooli aianduse õppetooli professor Kadri Karp kõneleb, milliseid muutusi toob Eesti kuulumine Euroopa viinamarjakasvatustsooni A ning uuringutest, mille eesmärk on leida aianduses laialdaselt kasutatavale turbale alternatiive. Küsib Kaja Kärner.

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Aiatark

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Aiatark. Roosid talvel 7:00

منذ 3 years7:00

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7:00

Kordame rooside sordiaretaja ja kollektsionääri Mart Ojasalu nõuandeid rooside talviseks katmiseks. Küsib Kaja Kärner.

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Aiatark

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Aiatark. Toataimed pimedal ajal 13:53

منذ 3 years13:53

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13:53

Lühikesed päevad ja vähe valgust panevad toataimed igal talvel proovile.

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Aiatark

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Aiatark. Kuidas kasvuhoones karilasest lahti saada? 9:04

منذ 3 years9:04

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9:04

Priit Põldma Eesti Maaülikoolist annab nõu, mida hilissügisel kasvhoones teha, et sellisest kahjurist nagu karilane lahti saada. Ta soovitab taimset ekstrakti NeemAzal. Küsib Kaja Kärner.

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Aiatark

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Aiatark. Linnalapsed ja loodus 9:35

منذ 3 years9:35

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9:35

Helistame Tartu Ülikooli loodusmuuseumi ja ülikooli botaanikaaia muuseumipedagoogile ja laste loodusringi juhendavale Aivo Tammele, et küsida, kui hästi linnalapsed loodust tunnevad ja mida loodusringis lastele õpetatakse.

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Aiatark

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Aiatark. Aiatööd oktoobris 11:20

منذ 3 years11:20

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11:20

Aiatark on seekord Pille Hermann Tallinna Botaanikaaiast.

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Aiatark

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Aiatark. Õunapuuistikute soovitused 12:13

منذ 3 years12:13

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12:13

Just praegu on suurtes aiakeskustes viljapuuistikute soodusmüük.

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Aiatark

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Aiatark. Aeg hispaania teetigu tõrjuda 12:37

منذ 3 years12:37

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12:37

Merike Linnamägi Keskkonnaministeeriumi looduskaitse osakonnast tuletab meelde, et hispaania teeteo ning mustpeanälkja tõrjumiseks on sügis lausa otsustava tähtsusega: mida vähem nälkjaid talve üle elab, seda vähem on neid kevadel meie aedu ründamas. Küsib Kaja Kärner.

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Aiatark

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Aiatark. Elulõng 7:04

منذ 3 years7:04

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7:04

Kordame nõuandeid algajatele elulõnga-kasvatajatele. Saatejuht on Kaja Kärner.

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Aiatark

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Aiatark. Ohtlikud võõrliigid, mida leidub meie aedades 13:19

منذ 3 years13:19

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13:19

Euroopa Liit lisas ohtlike võõrliikide nimekirja kolm maismaataime liiki, millest kahte leiab ka Eesti aedadest. Selgitusi jagab Keskkonnaministeeriumi looduskaitseosakonna nõunik Merike Linnamägi.Küsib Kaja Kärner.

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Aiatark

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Aiatark. Nõuandeid aianduseksperdilt 11:21

منذ 3 years11:21

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11:21

Aiandusekspert Eneli Käger soovitab augustis jagada ja paljundada kevadel õitsevaid püsikuid; jätta lehtpuuhekkide pügamine pigem selleks ajaks, kui hekk on raagne ja õpetab, kuidas kõrreliste istutusalasse pugenud umbrohust lahti saada. Saatejuht on Kaja Kärner.

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Aiatark

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Aiatark. Õuna- ja marjaaed augustikuus 14:44

منذ 3 years14:44

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14:44

Aiandusekspert Eneli Käger tuletab meelde, mida augustikuus õuna- ja marjaaias kindlasti teha ning soovitab pärast saagi koristamist kasutada taimekaitsevahendeid Score ja Previcur. Saatejuht ja toimetaja on Kaja Kärner.

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Aiatark

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Aiatark. Maasikasuvi 2022 10:35

منذ 3 years10:35

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10:35

مرحبًا بك في مشغل أف ام!

يقوم برنامج مشغل أف أم بمسح الويب للحصول على بودكاست عالية الجودة لتستمتع بها الآن. إنه أفضل تطبيق بودكاست ويعمل على أجهزة اندرويد والأيفون والويب. قم بالتسجيل لمزامنة الاشتراكات عبر الأجهزة.

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