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Learn about how IndyMac Mortgage Services, a division of OneWest Bank, is helping customers experiencing financial hardship through the Home ...

Morgan Stanley Boosts Quarterly Dividend 20% (MS)

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Headquartered in New York, New York and founded in 1924, Morgan Stanley is a financial holding company that provides various financial products and services to corporations, governments, financial institutions and individuals. The company operates through three business segments — Institutional Securities, Wealth Management and Investment Management. The Institutional Securities segment offers capital raising and financial advisory services, as well as advice on mergers and acquisitions, restructurings, real estate and project finance. This segment also provides sales and trading services, including sales, financing and fixed income products consisting of foreign exchange and commodities. Additionally, this segment offers prime brokerage services, corporate loans, commercial and residential mortgage lending, asset-backed lending, financing for equities and commodities, as well as investment and research services. The Wealth Management segment offers various financial services and solutions covering brokerage, investment advisory, financial and wealth planning services. The Investment Management segment provides various investment products including equity, fixed income, liquidity and defined benefit/defined contribution plans.

Medicare's 'catastrophic insurance' can be a catastrophe for middle-income seniors

Am Holt, a teacher and school administrator in Granger, Indiana, was looking forward to her retirement. After her husband died when she was 40, she raised three children alone. She paid into a pension, made Medicare and Social Security contributions, accumulated some savings, and was only three years away from paying off her mortgage when, at age 66, she was diagnosed with multiple myeloma, a cancer that originates in bone marrow. Fortunately for her, taking a pill called Revlimid, made by Celgene, can hold the disease at bay. But its cost began eating her up.

In January of 2017, Holt, facing a monthly list price of $12,837 for Revlimid, discovered how incomplete Medicare’s drug coverage benefits can be. She quickly blew through the initial phases of Medicare’s drug benefit, in which she spent about $3,000 out of pocket on her medicine. At that point, despite the fact that it was still only the first month of the year, she entered Medicare’s catastrophic coverage , in which she had to pay 5 percent of the list price. Even with that seemingly small responsibility, she would owe another $7,000 before the year was out. Her retirement income was only $45,000 a year, so she used credit cards and savings to make the payments. Then she refinanced her house. At 69, her cancer therapy was steadily impoverishing her.

How to find a best mortgage lenders, in terms of rate, fee and service?

I am a first time home buyer. I am seeing lot of adv of mortgage lenders in bakerate.com. How do I know those companys are good in terms of rate, fee and service? Is there any review sites?


check online...easiest way to go...

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