Jan 30, 2023. 201 S Main St, 5th Floor. Primary Location. Morgan Stanley clients with eligible brokerage accounts can earn 4. • For net new money only (from sources other than an existing Morgan Stanley account) deposited through your eligible Morgan Stanley brokerage account (s) in the past 30 days. Morgan Stanley Premier Cash Management has an annual percentage yield of up to 0. ago not dreaming. While 0. Morgan Stanley Reserved Living & Giving is a complimentary program that rewards eligible clients of Morgan Stanley and E*TRADE. 00% APY through deposits into our Preferred Savings Program for qualifying cash. Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. 50% APY 1 Take advantage of a rate 10X the national average 2, with no minimum deposit, and FDIC protection up to $500,000. Senior Vice President, Senior Investment Management Consultant, Financial Advisor at Morgan Stanley 4d. 00% APY through deposits into our Preferred Savings Program for qualifying cash. Kevin Lynyak and James Benadum provide a review and outlook on the Preferred Securities Market. 00% APY through deposits into our Preferred Savings Program for qualifying cash. 76% APY. Let’s get into this Morgan Stanley Amex Blue Cash Preferred review. 30 percent, Morgan Stanley falls in the middle of the range for robo-advisors. 33% APY and 0. Primary Location. Morgan Stanley clients with eligible brokerage accounts can earn 4. Learn more Gwen Le on LinkedIn: Morgan Stanley clients with eligible brokerage accounts can earn 4. Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. 3X the National CD Average 1. ) When I return from Costa Rica, I'm closing it out, because this is the worst customer service experience I've ever had in my life. 1 Annual Percentage Yield (APY) is variable and subject to change at any time. Learn more Bob Guerrieri on LinkedIn: Morgan Stanley clients with eligible brokerage accounts can earn 4. It’s what Etrade offered prior to Morgan Stanley buying them. Interest rates on savings accounts are rising, but they're still low. Card Details Annual fee of $95 waived first year Card earns the following cashback rates: 6% at U. Kevin Lynyak and James Benadum provide a review and outlook on the Preferred Securities Market. 00% APY. No reviews yet. 00% APY through deposits into our Preferred Savings Program for qualifying cash. It offers the same rewards, but for those with eligible. December 15, 2022, 1:30 PM · 2 min read. Morgan Stanley Access Investing is aimed at much lower-level investors, and it requires an account minimum of just $5,000, the lowest minimum of any of Morgan Stanley Wealth Management’s offered account programs. savings deposit program savings deposit rates savings rates Savings Deposit. CENTRAL AMERICA/CARIBBEAN Book now to receive savings up to 30% + bonus savings* View Now. Interest rates on savings accounts are rising, but they’re still low. 13/5 star rating. threesome lesbians with dildos library opening hours public holiday best commercial automatic air freshener what should a spay incision look like after 10 days. Learn more Karen Rademeyer, CFP® on LinkedIn: Morgan Stanley clients with eligible brokerage accounts can earn 4. Suggested investments will usually be of the “balanced portfolio” type of a mix of bonds, money market and equity mutual funds. EUROPE Book now with Royal Caribbean & enjoy savings up to 30% + bonus savings* View Now. February 15, 2022 04:30 PM Eastern Standard Time. MORGAN STANLEY PREFERRED STRATEGIES INC. supermarkets (up to $6,000 in spend annually, then 1%) 6% on U. 00% APY through deposits into our Preferred Savings Program for qualifying cash. Key Takeaways. · There are no minimum deposit requirements to open a savings account. The $5k Investing relationship is a reference to the Access Investing account which is no more. Morgan Stanley clients with eligible brokerage accounts can earn 4. 01% APR. Account Benefits. General feeling of work happiness. Management fee. 76% APY. Primary Location. Americas-United States of America-New. Americas-United States of America. 76% APY* with 6 or 11-Month CD Your funds will continue to receive a premium rate once the CD matures, making this limited time offer an attractive option for your cash management strategy 4. Job Work/Life Balance. 00% APY through deposits into our Preferred Savings Program for qualifying cash. Kevin Lynyak, Head of Fixed Income Managed. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet). 01% APR. You can get in contact with E-Trade about your savings account questions in several ways, including: By phone. The bank is responsible for developing, launching and managing innovative banking and lending services tailored to affluent and high net worth Wealth Management clients. The bank is responsible for developing, launching and managing innovative banking and lending services tailored to affluent and high net worth Wealth Management clients. Morgan Stanley Pathway Solutions. Morgan Stanley Reserved Living & Giving is a complimentary program that rewards eligible clients of Morgan Stanley and E*TRADE. The client with a household balance of $250,000 will find that they are advised that funds be diversified among mainstream mutual fund families such as American Funds, Vanguard, Fidelity, etc. 00% APY through deposits into our Preferred Savings Program for qualifying cash. 75% Rate | 4. Basically a rep can open an AAA account on their end and once you drop in $25k, they’ll move it into the preferred savings. Morgan Stanley clients with eligible brokerage accounts can earn 4. As of 03/03/2023, the Annual Percentage Yield (APY) of the Premium Savings Account offered by Morgan Stanley Private Bank, National Association is 3. Learn more Isaac Simon en LinkedIn: Morgan Stanley clients with eligible brokerage accounts can earn 4. account(s) at either Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N. We have over $600,000 in our Morgan Stanley account. Both accounts earn a measly. 50% APY. No ATM fees. Kevin Lynyak, Head of Fixed Income Managed Solutions and Lead Fixed Income Portfolio Manager, discusses trends, risks and opportunities in the fixed income markets. This account will reimburse you for ATM fees (see terms and conditions for details). 00% APY. Watch to learn more and DM me to take next steps. Americas-United States of America. Deposits placed in Preferred Savings for Qualifying Cash are eligible for FDIC insurance up to $250,000 (including principal and interest) per depositor,. Enjoy 4. Axos Bank Business Savings: $200 Cash PSECU Checking: $300 Cash TD Bank Beyond Checking: $300 Cash TD Bank Convenience Checking: $200 Cash First National Bank Checking $400 Cash: Axos Invest Self Directed Trading $250 Cash: J. Based on 1 review. It sounds like in that case you can basically can never take money out, unless you put even more money in to cover the 150? so after math-ing it a bit more might not be worth it, because assuming you have 1k in cash+ and 25k in Preferred Savings (PS), you'll be paying the $55/mo so $660AF +$150 for AAA. Learn more and get in touch to take advantage of this great rate. To review the Savings Program Disclosure Statement, please click here. 00% APY. Morgan Stanley Preferred Savings Account Account Rates Account Benefits Author’s Verdict Morgan Stanley Preferred Savings Account Here is your opportunity to earn a a competitive interest rate on your funds. Morgan Stanley Savings Account are available in 50 states (and Washington, DC). 75% Rate | 4. ford hourly your pay free video little caprice foursome hid iclass dp card format. , plus the District of Columbia. Morgan Stanley Premier Cash Management does not charge fees on ATM transactions. It is also the 20 th largest bank in the nation. McLoughlin In this year of. 00% APY through deposits into our Preferred Savings Program for qualifying cash. Kevin Lynyak, Head of Fixed Income Managed Solutions and Lead Fixed Income Portfolio Manager, discusses trends, risks and opportunities in the fixed income markets. NEW YORK, February 15, 2022 -- ( BUSINESS WIRE )--Morgan Stanley today declared a regular dividend on the outstanding shares of each of the following. Morgan Stanley Wealth Management, including the Morgan Stanley Private Wealth Management division, has earned a slew of awards from major financial publications in. Branch location. Morgan Stanley clients with eligible brokerage accounts can earn 4. Learn more and get in touch to take advantage of this great rate. 75%, which is higher than the national average interest rate on savings accounts. Overview Deposit products offered by Morgan Stanley Private Bank are worth considering if you're looking to consolidate your banking and investing at one financial institution. Learn more about how Plaid can help developers access Morgan Stanley Client Serv data. Charges a monthly fee. is a Brazilian financial services company headquartered in Osasco, in the state of São Paulo, Brazil. 10% savings rate and a 2. Preferred Market Update. Americas-United States of America. (MSBNA) † Qualifying Cash is defined as new. 00% APY through deposits into our Preferred Savings Program for qualifying cash. , Ltd. 13/5 star rating. Learn more and get in touch to take advantage of. 00% APY Rate Availability: Nationwide. Sign in or register to get started. • For net new money only (from sources other than an existing Morgan Stanley account) deposited through your eligible Morgan Stanley brokerage account (s) in the past 30 days. Fast Facts. Morgan Stanley now offering 4% on their preferred savings if you have an investment account. 20% per year but can range from 0. Morgan Stanley clients with eligible brokerage accounts can earn 4. , Ltd. Mail: Morgan Stanley Private Bank; PO Box 484. Morgan Stanley Reserved Living & Giving is a complimentary program that rewards eligible clients of Morgan Stanley and E*TRADE. Salt Lake City, UT 84111 Morgan Stanley Bank, National Association is headquartered in Salt Lake City and is the largest bank in the state of Utah. 00% APY through deposits into our Preferred Savings Program for qualifying cash Shared by Brian J. 50% APY 1 Take advantage of a rate 10X the national average 2, with no minimum deposit, and FDIC protection up to $500,000. Learn more and get in touch to take advantage of this great rate. Feb 15, 2022 · February 15, 2022, 1:30 PM · 2 min read. 3X the National CD Average 1. 05% APY Discover® Online Savings Account. Up to 4. Morgan Stanley clients with eligible brokerage accounts can earn 4. Feb 11, 2023 · Top perks. Morgan Stanley Trust. • For net new money only (from sources other than an existing Morgan Stanley account) deposited through your eligible Morgan Stanley brokerage account (s) in the past 30 days. However, you must keep a minimum balance of $10000 to earn that insterest rate. The client with a household balance of $250,000 will find that they are advised that funds be diversified among mainstream mutual fund families such as American Funds, Vanguard, Fidelity, etc. This fee is baked into the deal that creates the APY you receive. Write a review Sarah George Last Updated Aug 18, 2022 3. Listen now. Morgan Stanley has a 1. 3X the National CD Average 1. • For net new money only (from sources other than an existing Morgan Stanley account) deposited through your eligible Morgan Stanley brokerage account (s) in the past 30 days. Fee: 0. 00% APY through deposits into our Preferred Savings Program for qualifying cash. Based on our analysis, current high-yield savings account rates range from 0. Morgan Stanley clients with eligible brokerage accounts can earn 4. Morgan Stanley Pathway Solutions. The first thing to know is that Morgan Stanley’s Platinum CashPlus is not a checking or savings account. supermarkets (on up to $6,000 per year),. Morgan Stanley Preferred Savings Review: 4. 05% APY, $500 minimum. 13/5 star rating. Morgan Stanley Reserved Living & Giving is a complimentary program that rewards eligible clients of Morgan Stanley and E*TRADE. To view Morgan Stanley's current APYs for their Bank Deposit Program and alternate funds, continue reading our review below. 00% APY through deposits into our Preferred Savings Program for qualifying cash. Primary Location. NORTH AMERICA Book now to receive savings up to 30% + bonus savings* View Now. Learn more Karen Rademeyer, CFP® on LinkedIn: Morgan Stanley clients with eligible brokerage accounts can earn 4. Morgan Stanley clients with eligible brokerage accounts can earn 4. 00% APY through deposits into our Preferred Savings Program for qualifying cash. Learn more and get in touch to take advantage of this great rate. 00% APY Availability: Nationwide Minimum Balance: $1,000 Maximum Balance: $10,000,000 Credit inquiry: Unknown Opening Deposit: $1,000 Monthly Fees: None listed Early Termination Fee: None listed Learn More at Morgan Stanley (FDIC Insured). Morgan Stanley clients with eligible brokerage accounts can earn 4. 00% APY through deposits into our Preferred Savings Program for qualifying cash. About Review In Status Application Stanley Morgan. JPMorgan Chase & Co. No ATM fees. Preferred Market Update. Kevin Lynyak, Head of Fixed Income Managed Solutions and Lead Fixed Income Portfolio Manager, discusses trends, risks and opportunities in the fixed income markets. 35% of assets under management. 15% still seems pretty good, so I moved some money into it, made sure to keep $25k in regular Cash Plus Agree that it’s annoying to have to call each time to move that money. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet). Let’s get into this Morgan Stanley Amex Blue Cash Preferred review. před 4 dny. Accept all 3 bedrooms for sale near me Manage preferences. The $5k Investing relationship is a reference to the Access Investing account which is no more. 00% APY through deposits into our Preferred Savings Program for qualifying cash. This account offers an annual percentage yield of up to 4. 00% APY. Kevin Lynyak, Head of Fixed Income Managed. $25,000 average daily. On paper, the Morgan Stanley CashPlus account looks pretty amazing but honestly, the biggest drawback for most people will be the interest rate. com with the subject line "ADA inquiry". $25,000 average daily. 75% Rate | 4. 3X the National CD Average 1. 00:00:00 00:00:00. 00% APY through deposits into our Preferred Savings Program for qualifying cash. Morgan Stanley Premier Cash Management has an annual percentage yield of up to 0. Earn 4. The client with a household balance of $250,000 will find that they are advised that funds be diversified among mainstream mutual fund families such as American Funds, Vanguard, Fidelity, etc. supermarkets (up to $6,000 in spend annually, then 1%) 6% on U. Senior Vice President, Senior Investment Management Consultant, Financial Advisor at Morgan Stanley 4d. • 1 yr. 75% Rate | 4. Best overall Capital One 360 Performance Savings Open Account Key Stats: APY: 4. Basically a rep can open an AAA account on their end and once you drop in $25k, they’ll move it into the preferred savings. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet). McLoughlin In this year of. 5% the past 8y from many credit unions personal checking i know 3 CUs in my area and people who utilize them. 50% on all balances. Deposits placed in Preferred Savings for Qualifying Cash are eligible for FDIC insurance up to $250,000 (including principal and interest) per depositor,. Felt threatened and uneasy with them the last 4 years 2015-2019. Higher than average APY. Morgan Stanley clients with eligible brokerage accounts can earn 4. account(s) at either Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N. 2 An. 00% APY. Dec 8, 2022 · Update on exactly how to open this confusing (but lucrative) card, including new methods involving Preferred Savings accounts, Active Assets Accounts (AAA), CashPlus engagement bonus & fee avoidance, and a walkthrough of two simple options for qualifying 👊😤 0:00 - What's the deal with this card? 7:11 - tldr: Preferred Savings ftw. Jan 23, 2020 · Morgan Stanley CashPlus, in contrast to many CMAs, doesn’t pay much interest, but it has some standout features: Unlimited ATM fee rebates worldwide. The new "cheap" way to get an MS Platinum is to find a rep that lets you open an account for the Preferred Savings. Yes, your Morgan Stanley money market accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). 75% APY 5X the National CD Average 1 4. The firm’s large national presence means clients in every state can consider the firm. If you are on the hunt for an online bank, Morgan Stanley Private Bank is worth considering. In October 2001, Morgan Stanley 's Tradable Custodial Receipts (Tracers) was launched. Morgan Stanley periodically reviews Reserved and Signature Access program participants' accounts and activity and may in its . Kevin Lynyak, Head of Fixed Income Managed Solutions and Lead Fixed Income Portfolio Manager, discusses trends, risks and opportunities in the fixed income markets. • Upon maturity, principal and interest will be deposited into the Preferred Savings Program, with convenient. However, it's at least possible to get a $695 annual. Kevin Lynyak, Head of Fixed Income Managed. Morgan Stanley clients with eligible brokerage accounts can earn 4. You will work alongside Financial Advisors to provide industry leading service to Morgan Stanley institutional client participants and retail clients to enhance the client experience, assist in. It’s what Etrade offered prior to Morgan Stanley buying them. Card Details Annual fee of $95 waived first year Card earns the following cashback rates: 6% at U. The 2. 07%, though you can find plenty of online banks. Americas-United States of America-New. Kevin Lynyak and James Benadum provide a review and outlook on the Preferred Securities Market. You'll get unlimited ATM fee refunds with a. Learn more and get in touch to take advantage of this great rate. Morgan Stanley Savings Account has an annual percentage yield of up to 0. Morgan Stanley clients with eligible brokerage accounts can earn 4. streamtape download, zero hedge twitter
Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. . Morgan stanley preferred savings review
Jan 23, 2020 · Morgan Stanley CashPlus, in contrast to many CMAs, doesn’t pay much interest, but it has some standout features: Unlimited ATM fee rebates worldwide. Morgan Stanley isn’t necessarily better than JPMorgan Chase, though JPMorgan Chase also isn’t necessarily better than Morgan Stanley. The 3, 6 and 11-month CDs will pay coupons at maturity. Senior Vice President, Senior Investment Management Consultant, Financial Advisor at Morgan Stanley 4d. Feb 2, 2023. Pros: None. There are two types of pricing schemes at Morgan Stanley Wealth Management. 25% APY 1 Take advantage of a rate 9X the national average 2, with no minimum deposit, and FDIC protection up to $500,000. Axos Bank Business Savings: $200 Cash PSECU Checking: $300 Cash TD Bank Beyond Checking: $300 Cash TD Bank Convenience Checking: $200 Cash First National Bank Checking $400 Cash: Axos Invest Self Directed Trading $250 Cash: J. Basically a rep can open an AAA account on their end and once you drop in $25k, they’ll move it into the preferred savings. The bank is responsible for developing, launching and managing innovative banking and lending services tailored to affluent and high net worth Wealth Management clients. Morgan Stanley clients with eligible brokerage accounts can earn 4. Feb 2, 2023. Morgan Stanley clients with eligible brokerage accounts can earn 4. Learn more Bob Guerrieri on LinkedIn: Morgan Stanley clients with eligible brokerage accounts can earn 4. The firm’s large national presence means clients in every state can consider the firm. This account’s few fees and handy app help E-Trade investors invest and save money seamlessly. Learn more Eliot Popper en LinkedIn: Morgan Stanley clients with eligible brokerage accounts can earn 4. Morgan Stanley clients with eligible brokerage accounts can earn 4. 75%, which is higher than the average interest rate for . Review Morgan Stanley Preferred Savings 4. 75%, which is higher than the average interest rate for savings accounts. Kevin Lynyak, Head of Fixed Income Managed. Kevin Lynyak, Head of Fixed Income Managed. On paper, the Morgan Stanley CashPlus account looks pretty amazing but honestly, the biggest drawback for most people will be the interest rate. 00% APY through deposits into our Preferred Savings Program for qualifying cash. I came across this "preferred savings" program which offer 5% APY which is. 00% APY through deposits into our Preferred Savings Program for qualifying cash. , Ltd. Feb 8, 2023 · 4. Morgan Stanley Savings Account are available in 50 states (and Washington, DC). 75% Rate | 4. Morgan Stanley clients with eligible brokerage accounts can earn 4. 75% Rate | 4. The $5k Investing relationship is a reference to the Access Investing account which is no more. 50% for balances of $100,000–$499,999, 3. savings deposit program savings deposit rates savings rates Savings Deposit. Learn more Isaac Simon en LinkedIn: Morgan Stanley clients with eligible brokerage accounts can earn 4. 75% Rate | 4. NORTH AMERICA Book now to receive savings up to 30% + bonus savings* View Now. 00% APY through deposits into our Preferred Savings Program for qualifying cash. Open a new account and start earning interest and get started today! Rate Offer: 4. Best overall Capital One 360 Performance Savings Open Account Key Stats: APY: 4. Interest rates on savings accounts are rising, but they’re still low. Morgan Stanley clients with eligible brokerage accounts can earn 4. Morgan Stanley Wealth Management’s cons No standardized fee schedules: Since the firm does not publish a fee schedule and rates can vary by the advisor, clients. The first is the typical and well known model of “pay as you trade. Morgan Stanley clients with eligible brokerage accounts can earn 4. 2022 Morgan Stanley account closure fee, cost to transfer brokerage firm investing, IRA accounts. Learn more Gwen Le on LinkedIn: Morgan Stanley clients with eligible brokerage accounts can earn 4. 75% Rate | 4. Morgan Stanley insights. • Morgan Stanley MUFG Securities Co. You have more control over your taxes than you may realize. Morgan Stanley Fees. 76% APY. 00% APY through deposits into our Preferred Savings Program for qualifying cash. E-TRADE was great, but Morgan Stanley is a festering pile of garbage -- and I'm being diplomatic. Morgan Stanley clients with eligible brokerage accounts can earn 4. What you get with a Premium Savings Account · Free, easy-to-use tools to build your emergency savings · Bank Deposits insured up to $500,000 · Manage your money . Minimum Deposit. ford hourly your pay free video little caprice foursome hid iclass dp card format. Contact me for more information. Americas-United States of America-New. 2022 Morgan Stanley account closure fee, cost to transfer brokerage firm investing, IRA accounts. Key Takeaways. • For net new money only (from sources other than an existing Morgan Stanley account) deposited through your eligible Morgan Stanley brokerage account (s) in the past 30 days. Morgan Stanley’s recent acquisition and upcoming integration of E*TRADE will provide many opportunities for growth within the bank over the course of 2023 and beyond. • Upon maturity, principal and interest will be deposited into the Preferred Savings Program, with convenient. 00% APY through deposits into our Preferred Savings Program for qualifying cash. 35% of assets under management. Learn more and get in touch to take advantage of this great rate. 00% APY through deposits into our Preferred Savings Program for qualifying cash. 5% front load that has turned out to be a horrible investment over the decades I've held it. This account’s few fees and handy app help E-Trade investors invest and save money seamlessly. Key Takeaways Higher than average APY. • Upon maturity, principal and interest will be deposited into the Preferred Savings Program, with convenient. Enjoy 3. 00% APY through deposits into our Preferred Savings Program for qualifying cash. Leave a Comment Available nationwide, open a Morgan Stanley Preferred Savings account and earn 5. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet). 00% APY through deposits into our Preferred Savings Program for qualifying cash. Primary Location. Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Morgan Stanley is not redeeming its preferreds that it previously fixed for life. No ATM fees. There have been 51 complaints in the last three. 75% Rate | 4. Key Takeaways. Feb 8, 2023 · 4. Overall Rating. PRIMARY LOCATION: Americas-United States of America-Washington-Clarkston. When my mom passed and left me some blue chip dividend paying stocks, I was advised to sell them and invest in Templeton World Fund with a 5. Morgan Stanley clients with eligible brokerage accounts can earn 4. Promotional rates may also be offered from time to time. Senior Vice President, Senior Investment Management Consultant, Financial Advisor at Morgan Stanley 4d. Learn more and get in touch to take advantage of this great rate. You will work alongside Financial Advisors to provide industry leading service to Morgan Stanley institutional client participants and retail clients to enhance the client experience, assist in. 76% APY. 76% APY. However, ultra-high-net-worth individuals are defined as people who have at least $30 million, not including personal assets. Morgan Stanley clients with eligible brokerage accounts can earn 4. Even in this day and age, that’s a terrible return for parking $25,000 in their account. 30 percent, Morgan Stanley falls in the middle of the range for robo-advisors. Education, Experience, Knowledge And Skills College preferred or equivalent experience 1-3 year’s industry experience preferred Basic knowledge of Morgan Stanley systems and procedures. 00% APY. 00% APY through deposits into our Preferred Savings Program for qualifying cash. 0 / 5. Primary Location. For Morgan Stanley clients with eligible brokerage accounts. Morgan Stanley clients with eligible brokerage accounts can earn 4. Americas-United States of America. Fast Facts. Promotional rates may also be offered from time to time. • For net new money only (from sources other than an existing Morgan Stanley account) deposited through your eligible Morgan Stanley brokerage account (s) in the past 30 days. 00% APY. Morgan Stanley incorrectly downloading interest and shares of MSBNA PREFERRED SAVINGS- QC Ben12 Member December 2022 edited January 7 Anyone know how to get in contact with Morgan Stanley tech support or does anyone here have ideas? Welcome! It looks like you're new here. Amex Offers. . literotica medical