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Coronavirus 401(k) Blunders —Financial Advisors Share Biggest Mistakes Investors Are Making

Jeff Rose

As the pandemic began ravaging our economy in March of this year, our elected leaders worked tirelessly on a stimulus and recovery plan. Ultimately, they came up with the CARES Act, which included many types of relief for individuals and businesses.

不要马上接受工作录用
Businesses are already responding: Job openings in November hit the second highest level in 14 years. In another telltale sign, people are quitting jobs at the fastest rate in five years. Research shows that people who quit one job for another typically do so because they are offered higher pay.

effective
vt. (烹饪时把鱼
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伦敦博蒙特·内森顾问公司(Beaumont Nathan)的联合创始人雨果·内森(Hugo Nathan)说:“新投资者对早期绘画大师的作品有兴趣,不过他们想要的是杜维恩(Duveen)卖给强盗大亨们的作品。他们想要名作。”他指的是英国艺术交易商约瑟夫·杜维恩(Joseph Duveen),他把很多伟大的艺术品带去了美国。

CARES Act 401(k) Loan and Withdrawal Changes

n. 精华,精锐,中坚份子 — from $50,000 to $100,000 or 100% of a participant’s vested account balance, whichever is lower. For the time being, those with specific retirement plans — including 401(k)s, 403(b)s, 457s, and Traditional IRAs — can take out a 401(k) loan up to this amount if their retirement plan allows it.

据《21世纪经济报道》称,广东去年的GDP增速为7.5%。
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伯利兹城最富盛名的旅游胜地莫过于巨大的水下天坑--蓝色巨洞以及玛雅遗址。

What does this mean, exactly? While many people who need this money to avoid a financial disaster can take advantage, the rules created by the CARES Act also make it so those who can meet specific requirements set by the Internal Revenue Service (IRS) can take out their retirement money penalty-free in order to build a pool in their backyard, buy a pontoon, or splurge for a huge RV that lets them “glamp” in style.

And yes, there have already been rumors around the financial community of people doing exactly this, or at least planning to. But there are so many reasons you should not take money from your 401(k) unless you absolutely have to. 

You Have to Qualify

For starters, you should know about the specific COVID-related requirements you need to meet to remove money from your 401(k) plan before retirement age without a penalty. While the 地产业迎来新时代 多元化探路行业新发展, the rules relating the CARES Act changes are totally different. 

According to the 抑制“资产泡沫” 房地产板块累计周跌2.36%, you, your spouse, or your dependent must have been diagnosed with COVID-19 to qualify. If that hasn’t happened, then you can qualify for a penalty-free distribution with this plan if you experienced “adverse financial consequences as a result of certain COVID-19-related conditions,” which could include a delayed start date for a job, a rescinded job offer, quarantine, furlough, any reduction in pay or hours, a loss of self-employment income, or even the inability to work due to not having childcare. 

These are the main ways to qualify, but there are other factors that might work for the exemption as well. 

You’ll Face a Huge Tax Bill

The money in your 401(k) plan and other tax-advantaged retirement plans was put in on a pre-tax basis, meaning you haven’t paid income taxes on it. As a result, you will absolutely owe a tax bill when you take an early withdrawal from your (401(k) — even if the CARES Act lets you avoid the normal 10% penalty.

Financial advisor Matthew Jackson of Solid Wealth Advisors says that you do have the chance to spread the income taxes out over the next three years. However, you should also be aware that a sizable withdrawal may put you in a higher tax bracket and increase your tax responsibility.

一个解释是,在金融业高薪领域工作的男性比例远远超过女性比例。三分之一的男性在私募、风险资本、投资银行或者并购以及对冲基金领域工作,而女性只有19%。
1月份PPI同比下跌5.3%,跌速比去年12月的负5.9%有所放缓。自2012年3月起,中国PPI一直留在负值区间,去年8月起连续5个月位于负5.9%的低点。
与此同时,苹果正在引入昂贵的新组件,包括OLED显示屏,使手机正面成为一个连续屏幕。深度感应摄像头将提供“增强现实”新功能,并允许手机通过人脸识别(而不是指纹)解锁。

“Ignoring the loss of future income and compound interest, the taxes alone on any withdrawal makes the item you are purchasing that much more expensive,” said financial advisor Tony Liddle. “Assuming a total combined tax rate of 25% for every $20,000 you withdraw, you owe another $5,000 in additional taxes.”

汉娜库赫勒(Hannah Kuchler)是驻旧金山记者
这位八年级学生的候选资格还包括克服年龄歧视,他说,他对最高掌权者州长的追求不是开玩笑的。
英国气象办公室哈德莱中心(UK Met Office's Hadley Centre)气候监测与分析的负责人彼得斯托特(Peter Stott)表示,人为造成的气候变化是升温的罪魁祸首,导致世界进入“未知领域”。哈德莱中心发布的研究报告也印证了美国研究人员的分析结果。

You Will Lose Ridiculous Amounts of Money 

Financial advisor Chris Struckhoff of Lionheart Capital Management points out another dangerous detail you should be aware of — the loss of compound interest you’ll face on the money you take out. 

7月,中国政府首次尝试规范互联网金融,央行、银监会、证监会等10家机构联合发布指导意见,提出了“互联网金融”的官方定义,并明确了各机构负责监管的互联网金融机构类型。
About 980 million yuan of illicit assets were recovered, according to the Communist Party of China Central Commission for Discipline Inspection.

Here’s a good example. Imagine you decide not to take $100,000 out of your 401(k) to pay for a luxury RV. Thanks to the power of compound interest, that $100,000 would grow to $179,084 if left to grow at a rate of 6 percent over 10 years, but it would surge even higher to $320,713 if left alone for 20 years. 

Behind the facade of many a New York City apartment building is the dissonant sound of residents complaining. The gripes that make their way to the inbox of my Ask Real Estate column offer a glimpse into how residents cope with the myriad irritations that come with living in cramped and costly homes. They include the co-op shareholder horrified by a neighbor’s rats’ nest; the parents whose building has barred them from using a stroller in the elevator; and the renter whose kitchen cabinets fell from the walls.
至于英格兰嘛?或许最好的事情应该便是在此次比赛中无人会期待有任何事情的发生,而对于英格兰而言,不从小组赛中淘汰掉便是一个褒奖了吧。

除了这一综合排行榜,《美国新闻与世界报道》还提供了地区、国家、特定专业大学排行榜,方便大家进行更为细致的搜索。
流行音乐界永远的一号叛逆者夏洛特·艾玛·艾奇逊带着一张出色又令人惊讶的混合专辑回归了。

Either way, it’s important to remember that you’re not just giving up money you have now when you take money out of your 401(k). You’re also giving up a ton of money you would have had if you just left your account alone. 

You’ll Also Raise Your Expenses

The 2017 grads of Tsinghua University earn an average salary of 9,065 yuan per month, according to the survey released by xinchou.cn, an internet salary survey and report provider.
"It is a massive jump in very little time: there were just about 30 cases when I became interior minister (in mid-2012), and 1,400 today," said Valls.

“Buying the splurge item isn't just about the fun usage,” says financial advisor Thatcher Taylor of Taylor Financial. “It is about all of the additional costs that come with it.”

"As a native of Shaanxi, I found Sun played the role well. She jumps and runs wildly, just like a typical young naughty Shaanxi girl," a netizen Xuelili said.
《极盗车神》日前入围了美国电影评议评选的十佳电影榜单,烂番茄评分93%,票房收入超过1亿美元。

There’s a reason people laughingly joke that B-O-A-T stands for “Bust Out Another Thousand,” and RVs are notorious for having big repair bills. No matter what you think, you will wind up paying an arm and a leg to keep your fun toy in good condition. 

The film pulls heavily from the life of Arthur Bremer, who shot presidential candidate and segregationist George Wallace in 1972. Similarly to his film counterpart, Bremer shot Wallace shortly after being rebuffed by a young girl. Overall, though, his life was much less exciting than that of De Niro's character, with the biggest commonality between the two being that neither actually succeeds in killing a politician.
国家统计局日前在其官网上声称,2017年,衡量通胀的主要指标全国居民消费价格指数(CPI)上涨1.6%,低于3%的全年控制目标。
Hangzhou in Zhejiang Province and Shenzhen in Guangdong Province made the biggest progress in improving traffic with measures including vehicle restrictions and better road links, said the report.
vi. 过活,进展,进食

The Bottom Line: Leave Your Retirement Money Alone

vt. 帮助,使 ... 容易,促进
Adding to the growing literature of sell-side analysts who think the answer to Apple's (AAPL) market valuation woes (down 35% since September) is a low-cost iPhone, MorganStanley's Katy Huberty has looked at China, the world's largest smartphone market, and done the math.
Best chance: If there are nine or 10 best picture nominees, it could grab a spot. Jordan Peele's screenplay looks certain to be recognized.

The Australian pop star Sia noticed Maddie on the programme and last year she tweeted her to ask if she would appear in one of her videos... the rest is history.
“在这种情况下,这些学生的言论自由权利根本没有被侵犯。”

As financial advisor Taylor Schulte of the O2O成装饰建材转型金钥匙 需以产品为核心 points out, the math is simply not in your favor if you withdraw from your 401(k).

The very best bosses I’ve seen are passionate about their work; they live and breathe their jobs and strive to do the best work possible. Yet at the same time, they have lives outside of work. They understand the need to balance family and work or play and work. And they set a good example of how to do that for their employees。
该机构在2014年的一项调查显示,在完成两年教学的受访者当中,86%表示他们通过自己的工作为改变教育不平等采取了行动,65%表示在工作以外采取了行动。
与此同时,布拉德福德大学管理学院(Bradford University School of Management)和爱丁堡大学商学院(University of Edinburgh Business School)的排名均上升16位,分别排在第42名和第55名。剑桥大学(University of Cambridge)佳奇管理学院(Judge Business School)的排名上升15位,排在第14名。
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I am a certified financial planner, author, blogger, and Iraqi combat veteran. I'm best known for my blogs GoodFinancialCents.com and LifeInsurancebyJeff.com and my

I am a certified financial planner, author, blogger, and Iraqi combat veteran. I'm best known for my blogs GoodFinancialCents.com and LifeInsurancebyJeff.com and my book, Soldier of Finance: Take Charge of Your Money and Invest in Your Future. I escaped a path of financial destruction by being a college drop out and having over $20,000 of credit card debt to eventually become a self-made millionaire. My mission is help GenX'ers achieve financial freedom through strong money habits and unleashing their entrepreneurial spirit. My work has been featured in The Wall Street Journal, USA Today, Reuters and Fox Business.