• With polls increasingly signaling a victory for Joe Biden in the presidential race, investors should shift their focus to Senate races, Morgan Stanley said Wednesday.
  • Senate election outcomes “will mean the difference between substantial fiscal expansion and fiscal gridlock,” strategists led by Michael Zezas wrote in a note to clients.
  • Treasuries and West Texas Intermediate crude oil are least priced for a so-called blue wave, the bank said.
  • A Democratic sweep could temporarily drag stocks lower and create a “potential dip-buying opportunity,” the team added.
  • Visit Business Insider’s homepage for more stories.

November’s Senate elections will determine whether investors can look forward to a wave of new fiscal relief or face a prolonged legislative stalemate, Morgan Stanley strategists said Wednesday.

Polls and prediction markets have increasingly pointed to a victory for Joe Biden in the presidential race. Republicans would need a “game-changing event” to keep

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  • We asked five CEOs, at companies including Skillshare and Hired, why they decided to get rid of their office space.
  • The CEOs said their employees want greater flexibility — and there are better ways to spend money than on rent.
  • Some companies are ramping up hiring or giving employees stipends to set up their home offices.
  • Visit Business Insider’s homepage for more stories.

Rent is expensive. And potentially unnecessary.

Since March, offices around the world have been eerily silent, as the folks who normally fill them have been isolating from the coronavirus at home. Many employers have responded by cutting their real-estate costs.

A Reuters analysis of quarterly earnings calls during a week in July found that more than 25 large companies intend to downsize their office space in the coming year. Business Insider’s Daniel Geiger reported that a growing number of employers — including Macy’s and Yelp — are

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If a person meets the eligibility requirements for Medicare, they may enroll regardless of their income. There are no Medicare income limits that pertain to eligibility, but income can decide some monthly costs.

Those with higher incomes must pay higher monthly premiums for two Medicare programs.

These include Part B, which is the outpatient medical coverage of original Medicare, and Part D, the program that provides prescription drug coverage.

This article discusses the parts of Medicare that higher premiums may, or may not, affect.

Next, it examines the income adjustments for premiums of parts B and D, as well as the basis for them.

Lastly, it tells when to notify Social Security of income changes and how to file an appeal of Medicare’s decision regarding a premium adjustment.

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A person’s income cannot be so high that it disqualifies them from Medicare.

The law requires Medicare parts B

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