Infatuation Rules
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Why are bonds attractive to investors?

Bonds may offer attractive capital gains. Investors who are wary about the economy will likely gravitate toward Treasuries, which would push yields lower and prices higher, meaning it's possible to enjoy relatively high coupon payments now and potentially sell at a premium later.

How long to wait after a breakup to get back together?
How long to wait after a breakup to get back together?

"Most people need a month or two to process the breakup, to mourn, and to integrate lessons before jumping back in if they were in a fairly serious...

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What does Galatians 3 26 27 means?
What does Galatians 3 26 27 means?

Verses 26–27: The first change from the law to grace regarding a believer's position is all who believe in Christ Jesus become “sons of God.” The...

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Index Definitions

S&P 500 Index: The Standard & Poor's (S&P) 500 Index tracks the performance of 500 widely held, large-capitalization US stocks.

Risk Considerations

Equity securities may fluctuate in response to news on companies, industries, market conditions and general economic environment. The value of fixed income securities will fluctuate and, upon a sale, may be worth more or less than their original cost or maturity value. Bonds are subject to interest rate risk, call risk, reinvestment risk, liquidity risk, and credit risk of the issuer. High yield bonds (bonds rated below investment grade) may have speculative characteristics and present significant risks beyond those of other securities, including greater credit risk, price volatility, and limited liquidity in the secondary market. High yield bonds should comprise only a limited portion of a balanced portfolio.

Companies paying dividends can reduce or cut payouts at any time.

Asset allocation and diversification do not assure a profit or protect against loss in declining financial markets. Investing in small- to medium-sized companies entails special risks, such as limited product lines, markets and financial resources, and greater volatility than securities of larger, more established companies. Because of their narrow focus, sector investments tend to be more volatile than investments that diversify across many sectors and companies. Technology stocks may be especially volatile. Risks applicable to companies in the energy and natural resources sectors include commodity pricing risk, supply and demand risk, depletion risk and exploration risk. Health care sector stocks are subject to government regulation, as well as government approval of products and services, which can significantly impact price and availability, and which can also be significantly affected by rapid obsolescence and patent expirations. The indices are unmanaged. An investor cannot invest directly in an index. They are shown for illustrative purposes only and do not represent the performance of any specific investment. The indices selected by Morgan Stanley Wealth Management to measure performance are representative of broad asset classes. Morgan Stanley Wealth Management retains the right to change representative indices at any time.

Disclosures

Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. This material has been prepared for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument or to participate in any trading strategy. Past performance is not necessarily a guide to future performance. Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors do not provide legal or tax advice. Each client should always consult his/her personal tax and/or legal advisor for information concerning his/her individual situation and to learn about any potential tax or other implications that may result from acting on a particular recommendation. This material, or any portion thereof, may not be reprinted, sold or redistributed without the written consent of Morgan Stanley Smith Barney LLC.

© 2022 Morgan Stanley Smith Barney LLC. Member SIPC.

CRC#5236938 (11/2022)

At what point do most relationships end?
At what point do most relationships end?

New research shows that relationships are actually more vulnerable to demise far sooner than the dreaded seven year itch. The most common time for...

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What are the 3 F's in a relationship?
What are the 3 F's in a relationship?

The 3 F's can be used to improve any marriage. Remember to have fun with each other, fight the healthy way, and prioritize sex.

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Do twin flames ever last?

Twin flame relationships are thought to be the most intense relationships we can have in our lives—but they're not always meant to last. Sometimes, twin flames go through a separation period, and whether the separation ends up being permanent depends on that particular pair.

While the separation may not be permanent, it is virtually always a time to focus on and prioritize your own growth and self-love. Nuñez says it's important for each person to focus on finding themselves and their own happiness—"because oftentimes our happiness is contingent upon being in a relationship or somebody else," she notes, when it shouldn't be. When that work is done, she adds, that's when twin flames can often rekindle because they're ready to approach the relationship in a new and stronger way. But this growth can't be fast-tracked, she adds, and that's when you really have to trust what's meant for you will be. "Know the universe isn't going to steer you wrong, and if you're truly meant to be, you'll go off and find your way back together again," she says. Focus on learning to be OK being by yourself, she suggests. Take yourself out on dates, learn to sit with your emotions, practice shadow work, and don't try to replace what you've lost by rushing into another relationship. Nuñez says this time is about finding your happiness. And remember, we can have platonic soul mates and other important relationships in our lives that also teach us important lessons and help us grow. The separation period is a good time to nourish those relationships, too.

What hurts most in a relationship?
What hurts most in a relationship?

You don't trust One is trusting your partner enough to know that s/he won't cheat on you or otherwise hurt you — and to know that he or she trusts...

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Why is it so hard for me to date?
Why is it so hard for me to date?

1 Some reasons include more physical and emotional risk, technology, it being harder to meet people, and shifting societal expectations. Dating...

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What does being turned on feel like for men?
What does being turned on feel like for men?

The main signs of male arousal the skin around the testicles (scrotum) getting tighter, moving your testicles closer to your body. swelling of your...

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Do guys like girls who cuddle?
Do guys like girls who cuddle?

However, men seek physical closeness just as much as women do, and many men like the sensation of being snuggled. A good cuddle is comfortable,...

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