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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.

据中国电影监察机构日前表示,2016年中国票房总额有望超过2015年的440亿元人民币(折合68亿美元)。
年末城镇登记失业率4.02%,为多年来最低;

8. 斯特吉尔·辛普森(Sturgill Simpson),《乡村音乐的大现代之声》(Matamodern Sound in Country Music),High Top Mountain。一支极为聪敏的乐队做出复古的改革:乡村乐中曾经发生过这样的事。但在斯特吉尔·辛普森突破性的第二张专辑中,他把这一点变成了可适应环境的标志,就建立在他那动人而通透的男中音之上。
Of the 27 provincial-level regions that outpaced the country's 6.7% GDP growth in 2016, only three regions - Chongqing, Guizhou and Tibet - achieved double-digit growth.
The number of candidates for the 2016 national civil service exam has surpassed last year's numbers, with more than 132,000 applicants on Tuesday-the most in a single day-deemed qualified for the exam.
据Birinyi Associates的数据,今年迄今为止,各家公司已经宣布了376项股票回购计划,总额高达2,610亿美元。这个数字与2012年相比增长了近72%,但与回购创下纪录的2013年相比,略微有所回落。

CARES Act 401(k) Loan and Withdrawal Changes

对于精打细算的旅客来说,尼泊尔一直是绝佳的好去处。无论是该地区的徒步路线还是南部地区的野外生物,在世界范围内都是赫赫有名。平均每人每天的旅行花费大概只在50美元左右。 — 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.

The prize sold for far more than the gallery's estimate of $50,000 to $100,000. The only other Nobel Peace Prize known to have sold at auction was a 1903 medal that brought nearly $17,000 in 1985.
她的亲妹妹莱克西经常装扮成电影中艾丽莎的妹妹、安娜公主,和姐姐一起同台演出,当莱克西抽不出时间的时候,她的好朋友们也会来帮忙。
The End of the Road

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 2015福布斯中国400富豪榜:六位LED行业企业家上榜, the rules relating the CARES Act changes are totally different. 

According to the 7月房屋租赁迎旺季 租赁成交提速, 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.

May you have the best New Year ever.
Chinese industrial profits slumped by a record 8 per cent last month, as Beijing’s targeted stimulus efforts failed to arrest a slowdown in the key driver of China’s economy.
The second event of note is Comac’s latest round of financing—it raised 15 billion yuan ($2.3 billion) last month in the form of a 10-year debt investment plan—combined with the memorandum of understanding (MOU) signed in June by Airbus and the National Development and Reform Commission (NDRC). The financing and MOU are intended to help bring about a fully developed, competitive domestic supply chain, the former through the injection of research and development money down the supply chain and the latter through the integration of Chinese suppliers in Airbus’s global supply network. The objective, as outlined in the “Made in China 2025” plan, is for Chinese suppliers to provide 80% of all parts by 2025.

“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.”

单词population 联想记忆:
推进农业结构调整。
Video of the year: "Tornado," Little Big Town

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. 

国际消费类电子产品展
9. Putting Yourself in Someone Else's Shoes Improves Memory

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. 

According to BusinessInsider.com, 'embracing hyperbole, ' Faber 'suggested that QE would basically be a part of everyday life for the rest of our lives, ' adding that back in 2010 in the early days of Bernanke's disastrous experiment, Faber warned 'the Fed's headed for QE99.'
If you have a question, come to my office. Don't corner me in the bathroom.

简言之,那个时代与当今时代极为相似,一些最哗众取宠的权威人士,要么将其捧上天,要么把其贬得一文不值。
尽管郭晶晶没有宣布自己的退役时间,但在12月份的东亚运动会上,她发表的关于有可能休战一年的声明,却又向人们透露着讯息。种种迹象表明,她与霍启刚的感情已经迈入一个新阶段。除非他们俩对中国农历里所讲的2010年是“寡妇年”这一说法深信不疑,不然我们很有能看到郭小姐变成霍太太。

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

在假日期间飞行要采取特殊的策略。这也意味着人们要为重大天气延误做好准备,尤其是美国东北部和中西部的恶劣天气。
英国演员丹尼尔卡卢亚扮演的克里斯华盛顿卷入到一个美国小镇的邪恶阴谋中。

“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.”

单词release 联想记忆:
While still on stage, Beatty blamed the epic mishap on being given the wrong envelope, saying he had seen the name Emma Stone from 'La La Land' when he opened his envelope.

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. 

这一点,在他首次公开自己的性取向时表现得再突出不过了。
10月中国进口同比下降18.8%,降幅较9月的20.4%略有改善。石油和其他大宗商品价格大幅走低也帮助压低了进口总值。
单词protocol 联想记忆:
“像这样的问题是极为紧要的,尽管不一定通过言语表达了出来。”

The Bottom Line: Leave Your Retirement Money Alone

n. 购买,购买的物品
但来自宾夕法尼亚州(Pennsylvania)的玛蒂?齐格勒(Maddie Ziegler),她的人生完全不是这么一回事。
Justin Bieber rounded out the top five, honoured for his work with Pencils of Promise and his Believe Charity Drive.

Around 2025, China's richest man's personal wealth will match the US' richest man's, and will be in a race to be the world's richest man, the magazine predicted.
2. The 'Dad bod' is so hot right now

As financial advisor Taylor Schulte of the 上半年津城楼市平稳收官 市场价格稳定 投资炒房者出局 points out, the math is simply not in your favor if you withdraw from your 401(k).

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。
Peace and love for you at New Year from all your students.
A host of examples of the demagogic route to power exists, in both past and present.
6.I Love You Phillip Morris

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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.