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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.

But then the story took a strange turn. Koudijs and Voth found that Dutch lenders reacted to the Seppenwolde collapse in strikingly different ways. Those who had made loans to Seppenwolde but hadn’t actually lost money became far more pessimistic and demanded much bigger haircuts from all new borrowers. But those who had dodged the bullet by not lending to Seppenwolde didn’t tighten their requirements at all. In fact, those lenders slightly reduced haircuts to their borrowers – a sign they were at least as sanguine as before.
JINX: THE LIFE AND DEATHS OF ROBERT DURST (HBO, Feb. 8) Andrew Jarecki (“Capturing the Friedmans”) directed this six-part documentary series with the cooperation of Mr. Durst, the New York real estate scion linked to several killings and the unsolved disappearance of his first wife.

That pushed the state share of total investment for the year to date down marginally to 36.6 per cent, still the largest share since 2011 and reflecting the outsize role of government spending in sustaining economic growth during 2016.
The booming Internet economy now is playing an increasingly important role in supporting wealth growth in China's IT industry.
如果此时打断老师讲课不太合适,你可以快速记下自己的问题,以免忘记,之后再问老师。
Were you late to work yesterday because you couldn't remember where you put your car keys? Did you completely forget about a coffee date last week with a friend and only remember when you got a text asking, "where are you?" Can you no longer remember the name of your favorite elementary school teacher? Memory problems impact just about everyone to a certain degree, but science suggests you might be able to improve your memory, as well as reduce the likelihood of Alzheimer's and dementia, by engaging in certain activities, eating specific foods, and using certain mnemonic devices.

CARES Act 401(k) Loan and Withdrawal Changes

《逃出绝命镇》 — 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.

中国科学技术协会书记处书记王春法对撤稿事件表示深切关注,事件发生几天前,他刚在北京与施普林格自然集团大中华地区总裁安诺杰会面沟通。
而分子马达将会为医药和能源领域带来巨大的潜力。
The three bubbles: The Asian Bubble in the early '90s, Dot-com Bubble of the late '90s and what Juckes calls the Great Big Credit Bubble that triggered the 2008 Wall Street meltdown.

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 发改委:整合盘活存量闲置土地资源 用于物流用途, the rules relating the CARES Act changes are totally different. 

According to the 三打房地产,组合拳能给楼市降温吗?, 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.

在全国商务工作会议上,高部长表示,至2015年底,“十二五”规划主要目标胜利完成,中国成为真正的贸易巨头。
● “奥巴马总统证实,如果特朗普当选他将拒绝离开白宫”
妮诗原来就读于奥顿肖杨树街小学,现在就读于威辛顿女子学校,今年九月会进入奥尔特林厄姆女子语法学校。她与父母尼朗加和施若咪一起生活, 2001年,一家三口从斯里兰卡搬到了曼彻斯特。44岁的父亲尼朗加称赞妮诗在杨树街小学的启蒙老师们功不可没。他说:“我们很早就知道她有天赋,她很小就开始阅读和写字,而且非常擅长数学计算。我们让她做一些有挑战又有趣味的事。作为父母,你不想让孩子的天赋荒废掉,但是在他们的童年时期又需要平衡。她只是一个普通的10岁小孩,真的就像任何其他的10岁小孩。她喜欢阅读、骑车、散步,我们都为她感到骄傲。”

“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.”

In an effort to protect China's role in the global economy as a manufacturing hub, the central bank devalued the currency in August, in the biggest drop in decades. Later in the year, after the International Monetary Fund added the renminbi to its group of global reserve currencies, the value of the currency fell further, possibly reflecting capital outflows.
4. Manufacturing won't save the economy.
To make sure the plan goes through, the central government must reinforce the plan to co-ordinate basic pension, enhance enterprise annuity and manage personal accounts properly, Yang said.

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. 

根据研究者提供的数据,如果用户设置了真实答案,美国用户设置的"你最喜欢的食物"只需1次尝试就能成功破译的概率是19.7%;
节目24 土耳其风情舞蹈《火》,土耳其火舞舞蹈团

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. 

Type D personalities usually have a low self-esteem and a great fear of disapproval and this is the primary reason that prevents them from opening up to others.
这是智慧的时代,也是愚蠢的时代……

It's lightweight and rolls up easily for travel.
The report provided in-depth observations on 28 Chinese business and administrative capitals - excluding Beijing and Shanghai - using several indicators.

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

沃尔玛百货
自这份年度榜单编制之初,“password”就占据了“最常用密码”的榜首位置。而在2013年榜单中,“password” 排名下滑到了第二位。

“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.”

Mr. Murray came to her with a full beard, so she was able to shape it into the thick, bushy mustache pictured here. “Bill has never worn that look before,” Ms. Hannon said, “so it was lovely to get something new.”
The tween is a huge star with three million Instagram followers, whose music videos with the popstar Sia have been viewed more than a billion times on YouTube.

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. 

尽管你会忙个不停,但是不要忘记赞美生活中不完美的地方。我在徒步攀登喜马拉雅山的十天中了解到生活也有美好的缺陷。高山峻岭的陡峭边缘,午后骤降的冰雹风暴,都给人带来种种不便,但是却为登山旅途增添了几分妙趣。我敏锐地感觉到,在我追求完美事业的过程中,我往往没有认识到,不完美的地方也是我们自身的核心特质,需要保留下来,而不是经常改变。
Everyone has both, but people tend to be most attached to their “best” identity — the one that offers the most social status or privileges. Successful professionals, for example, often define their identities primarily through their careers.
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All those totals are higher than a year ago, with the largest growth being in market value (up 13% year-over-year). These firms employ 90 million people worldwide.

The Bottom Line: Leave Your Retirement Money Alone

《一位德国女权主义先锋在痛苦中回顾过去》(A Pioneering German Feminist Looks Back in Anguish)
在过去的12个月里,这位22岁的T台女王兼真人秀明星赚得2200万美元,首次登顶福布斯模特收入榜。
有趣的是,“真诚的问候”(unfeigned regards)又重回我们的视野——人们现在可以在印度服务中心的邮件上见到这一18世纪末的流行语。而更胜一筹的是这个签名,一个周五我收到了一则消息,末尾处写到:“周末好”(weekend well)。我差点将最佳名词使动用法奖也颁给它,不料最后一刻却杀出一匹黑马,一位顾问无意中说了句:“我们能把那件事冷毛巾一下吗?”(Can we cold towel that?)

Female founders in Silicon Valley will raise more money next year, as sexual harassment scandals have forced investors to rethink their habit of backing ventures founded by mainly young, white men. Some start-ups founded by men pursued by rumours of unsavoury pasts will not get funding, even if they are a good investment proposition.
这个belty运用现代科技追踪健康状况,水的摄入量,和动作,但你要花395美元,可能更值得买一个时尚的智能手表或运动手环。

As financial advisor Taylor Schulte of the 有购房者一次性买走成都某楼盘60套房 总价上亿 points out, the math is simply not in your favor if you withdraw from your 401(k).

Currency movements have had a strong impact on agricultural commodity prices this year, with the UK’s referendum on the EU leading to a sharp fall in the pound that pushed up the price of food imports and boosted agricultural exports.
这是光明的季节,也是黑暗的季节……
品牌价值降幅最大的包括油气公司(仍因大宗商品价格处于低位而受到影响)和银行(面临着PayPal等支付系统日益激烈的竞争,PayPal的品牌价值增长35%)。
In August, the holdings were to the tune of $80.4 billion while it stood at $79.7 billion in July.

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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.