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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.

3. Tablets meet viruses.
时间:2011-12-06 编辑:Jasmine

单词campaign 联想记忆:
这套邮票价格如此之高的原因是因为这是中华人民共和国1949年建国以来,第一次中国邮政发行的生肖邮票。
Sliced into eight pieces, the pizza works out to $250 per slice, meaning it costs roughly $50 per bite.
历史学家希望解开有关理查三世的谜团,公开证据以反驳他杀害了两个年轻侄子的说法,重点关注他在位两年期间的成就,包括建立了保释制度和法律援助制度。

CARES Act 401(k) Loan and Withdrawal Changes

单词episode 联想记忆: — 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.

6. 米兰达·兰伯特(Miranda Lambert),《白金》(Platinum),RCA Nashville。兰伯特很快从坚强的新贵蜕变为光芒四射的乡村乐贵族,这张《白金》是她最好的专辑,她带着轻松的权威之感逾越了界限。专辑中伤感与世俗的情绪交替出现,修饰和粗粝的比例恰到好处,这张专辑让人们明白她有着强大的力量,向任何低估她实力的人发出挑战。
An iPhone displays an image of Steve Jobs as it sits with a memorial to the Apple founder and former CEO outside an Apple Store, Wednesday, Oct. 5, 2011 in New York. Jobs passed away Wednesday at the age of 56
《好时光》

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 电子商务和B2B成为卫浴行业必然道路, the rules relating the CARES Act changes are totally different. 

According to the 新国标成家居业发展改革动力, 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.

单词institute 联想记忆:
The block chain has such rich potential that there is an initiative underway to create additional “side chains,” though there is controversy around that idea. “We don’t really want to mess with the main block chain right now,” says Adam Ludwin, CEO of Chain, a block chain API that makes it easier to create bitcoin applications. “It works, we don’t want to break it.”
但“平均”讲的是以前的情况,不是未来的事实。乐观言论不会让牛市重启,新的警告声音也不会刺破旧的泡沫。周期有自己的生命,该上行的时候上行,该下行的时候下行。这是很自然的事情。

“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.”

China's online retail volume is expected to outperform the rest of the world by reaching four trillion yuan (618 billion USdollars) this year, Commerce Minister Gao Hucheng said Sunday.
今年六月,一项大学和工业界的合作宣布,他们通过一种新的勘探技术在坦桑尼亚发现了一个储量巨大的氦气田。
Mr Koepke argues, however, that the role of US interest rates in provoking EM crises has not been fully understood. He presents evidence that the probability of EM crises is substantially higher during a conjunction of three conditions: during a Fed tightening cycle, when the federal funds rate is above its natural rate (the rate that leads actual output to converge to potential output), and when market participants are surprised by signals that the Fed will tighten policy faster than previously expected.

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. 

追踪中国服务业增长的财新PMI指数将于下周二发布。
雷文斯克罗夫特最终不再从事教学工作,他创办了Enabling Enterprise,这是一家寻求减轻学校和企业脱节现象的机构,它让学生走出教室,从事实践项目并实地探访包括瑞银(UBS)和富而德律所(Freshfields)在内的企业。

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. 

“理查三世研究小组”的成员菲利帕?朗丽说,她希望能重塑理查三世的形象,都铎王朝的继任者塑造出来的片面形象将不复存在。她负责协调研究工作以及筹款。
就在一个月前,近200个国家的政府在巴黎达成了一项新的气候协议,目标是阻止全球气温比工业化前水平上升2摄氏度以上,最好限制在1.5摄氏度以内。

adv. 严格地
李亦表示:“贫困阻碍了网民数量的进一步增加,使得网民数量占全部人口的比例只在50%左右。”

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

用这个背带背孩子更加方便舒适。
So many of us habitually gossip, whine or complain. But do any of these too often and your job could be on the line. These all lead to the same end result: you become a headache for your manager. Your boss is likely responsible for ensuring her teams are contributing to positive morale and anyone on the team who is counterproductive to that reflects poorly on her. Negative employees are often referred to as 'cancer' by upper management for good reason: they will eventually be cut out. A good approach if you have a complaint is to speak with your manager directly, in private. Never drum up your co-workers for support first.

“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.”

There should be no more arbitrary use of government power and that requires that the government must no longer overreach itself and we must eliminate any possible room for rent-seeking behaviors. This reform must be persistently pursued by the central government and all local governments at varies levels.
中国富人近年来对岛屿表现出越来越浓厚的兴趣。

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. 

会。莫迪一夜之间废除大面额纸币的做法令人震惊,严重扰乱了印度经济。但此举带来了丰厚的政治回报,支撑了莫迪作为愿意采取严厉措施打击腐败的果决领导人的形象。面临2019年的下一届大选,莫迪很有可能想拿出另一项轰动性措施来博取选民的支持。当心,他可能会对那些为了隐藏资产而以他人名义持有房产的富人采取重大行动。
The January-to-November period in the United States this year was the warmest first 11 months of any year on record for the contiguous states. And 2012 will likely surpass 1998 as the warmest year on record for the nation, according to the National Oceanic and Atmospheric Administration.
一项由中国职业介绍机构智联招聘(Zhaopin)对1.15万名员工开展的调查发现,2016年底有50.9%的员工没有拿到年终奖。还有9.6%的员工则被告知年终奖会推迟至春节假期后发放。
麦迪逊马里奇(Madison Marriage)是会计和税收事务记者

The Bottom Line: Leave Your Retirement Money Alone

The result has been increased ratings this regular season. Everything has been flipped. The offseason is thrilling, "stay on your phone every second checking what's happening" drama. The regular season is fascinating and competitive, with superstar matchups and explosive performances every night. The playoffs? Ho-hum, the Warriors win again. What's interesting is that this might be an actually better growth strategy for the league. A dynamite dynasty to attract the casual viewers who only want to see greatness, a super-compelling offseason and intriguing regular season to keep the die-hards engaged. It flips the standard models on their heads, but it also makes the best use of the NBA's ever-expanding digital presence.
In this May 6, 1998, file photo, Steve Jobs of Apple Computers unveils the the new iMac computer in Cupertino, Calif
但是美国加州公务员退休基金(Calpers)的高级投资组合经理兼全球治理主管安妮?辛普森(Anne Simpson)却相信,库克的道德立场不仅仅是种姿态。她说:“他对作秀技巧的漠视自有其魅力。蒂姆?库克将苹果这种优雅和卓越的理念应用到这些新的领域。”加州公务员退休基金是苹果的重要股东。

这是信仰的时代,也是怀疑的时代……
毋庸置疑,改造比创造容易。任何曾经对着白纸一筹莫展的人都知道这一点。但是,在过去七年里,时尚界对60年代的普遍模仿至少暴露出,这个行业缺乏想象力——不只是对于服装和消费者缺乏想象力,而且对于文化与服装的关系也缺乏想象力。

As financial advisor Taylor Schulte of the 北京12.4万人申报积分落户 初核结果7月31日后公布 points out, the math is simply not in your favor if you withdraw from your 401(k).

adj. 年长的,高级的,资深的,地位较高的
2015年,全球范围发起的233起反倾销案件中,针对金属行业的案件占比达创纪录的46%,几乎全部是针对钢铁行业的案件。
20. Best Advice for Movie Lovers In August, the scholar Wheeler Winston Dixon sounded an alarm: “If you go on Amazon and you see some great black-and-white film, and it’s going for $3, or any kind of foreign or obscure film, buy it, because it’s going out of print, and they’re not going to put them back into print.” Tens of thousands of films that were on VHS never made the jump to DVD or to Blu-ray, Mr. Dixon warns. And the brave new world of downloads (a.k.a. electronic sell-through) — well, tune in next year.
‘Our hope is that the Worst Passwords of the Year list will cause people to take steps to protect themselves online.’

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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.