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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.

佐治亚州萨凡纳市(SAVANNAH, GA.)
Traders heading for the exits: 'Unsustainable trends can survive much longer than most people anticipate, but they do end when their 'time is up, at the culmination of their time cycles.' They analyzed more than 20 cycles: 'Nearly unanimously point to tectonic shifts in the months and years ahead.'

Texas was one of the first states to emerge from the recession and it continues to attract companies on the basis of its low tax burden, predictable regulatory environment and skilled labor force. Texas employment is expected to expand 3% annually through 2017, according to Moody’s. (Arizona’s forecasted rate is a microscopic 0.04% better). Texas has attracted a lot of attention from California companies and Governor Rick Perry has not been shy about contrasting the business climates of the two states. California firms EBay and Electronic Arts have both chosen Texas for large expansions in recent years. Austin has been a hotbed of activity this year with Accenture
根据中国海关总署(General Administration of Customs)的数据,在经历了此前一个月的同比下跌1.4%之后,11月份中国的进口同比增长6.7%,至1522亿美元,远高于同比收缩1.9%的预测中值。
v. 燃烧,面红,爆发
Teach First在2002年创立之初的目标是鼓励更多的毕业生尝试教学。由于担心该国最优秀的人才都被吸引至伦敦金融城、会计和法律行业,它希望为公立学校培养一些人才,以解决教育不平等问题。

CARES Act 401(k) Loan and Withdrawal Changes

adj. 复杂的,复合的,合成的 — 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.

5.Branding: 16.4 percent increase
Security questions risks
13 Reasons Why

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 社保须兼顾中小企业利益 建议社保费发票可抵扣增值税, the rules relating the CARES Act changes are totally different. 

According to the 非京籍买共有产权房可落户北京? 专家:系误读, 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.

Sectors: what’s in
v. 拥抱,包含,包围,接受,信奉
尽管此次维密秀备受期待,但似乎该内衣品牌在中国的首秀并没有完全按计划进行。

“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 the aftermath of recessions, there's always a period of jobless recovery," says John Challenger, CEO of global outplacement firm Challenger Gray & Christmas. "We're certainly not optimistic about seeing much improvement in the unemployment rate in 2010."
与此同时,最近几个月,中国内地投资者一直在迅速开设股票交易账户并将资金投入股市。上证综指已成为亚洲今年表现最佳的股指,今年迄今已累计上涨近45%。
We Pay Attention … Selectively

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. 

继《菲洛梅娜》后,朱迪.丹克和斯蒂芬.弗雷斯这对出色的组合四年后再度联手。该片由李荷担任编剧,讲述了维多利亚女王与年轻印度男仆之间的友情。艾迪.伊扎德看来是官方授意的威尔士亲王人选;演员阵容还包括奥莉维亚.威廉姆斯,蒂姆.皮戈特.史密斯以及同样出演了《总督之房》的西蒙.卡洛和迈克尔.甘本。
n. 浪漫的人

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. 

获奖者:金·卡戴珊
Buyers looking for new construction will have more options next year, as the number of new condos hitting the market in Manhattan, Brooklyn and Long Island City, Queens, is expected to more than double to 8,366 from 3,444 in 2014, according to data provided by Corcoran Sunshine Marketing Group.

1.《雨人》
Lee Kong Chian School of Business at the University of Singapore, in 76th place overall, is the first Singaporean business school to enter this ranking, which includes seven Asian institutions. Its alumni are by far the most internationally mobile among this group. They are ranked 25th for mobility, 57 places ahead of the next most mobile alumni, those from the National Sun Yat-Sen University in Taiwan.

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

200家提名公司中,101家为私营企业,其余为国有企业。这200家企业的总价值年同比增长了36%,达到6960亿美元,其中前十名占总价值的46%。
该片是《X战警:未来昔日》的续集,也是《X战警》系列电影的最新力作。我们将在片中看到“X战警”大战恶棍“天启”(Apocalypse)。很多昔日的面孔将回归,当然也会有不少新角色出现。 关于电影,我们知道的也仅此而已了,但可以保证的是,这绝对是一部超赞的电影。

“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.”

《老友记》中没有露骨的内容、不干净的台词或是黄段子,但它的幽默感却丝毫不减,为这个电视剧总喜欢裹挟着露骨内容的年代带来一阵清新之风。
谁都记得几个月前,哈里王子因为媒体对其女友梅格汉·马克尔的猜测而发表了出人意料的公报。

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. 

Just because the job market is tough doesn't mean it's impossible. "You have to work harder at the job search," Challenger said.
此外,该报告还指出,雨果博斯、雪佛兰和舒洁则跌出了该榜单。
第八步 反(假)复(装)练习轨迹记忆法或者罗马房间法
At that time, the chief executive was also under pressure, given Apple’s lack of clear product direction beyond milking the iPhone. Sensing blood, activist investors began to circle the company; first David Einhorn, then Carl Icahn, have lobbied for changes to how Apple is run and manages its finances. Mr Icahn has pushed for Apple to raise huge debt to return up to $150bn to shareholders and urged it to release more products, including a television set.

The Bottom Line: Leave Your Retirement Money Alone

像考辛斯这样的超级球星以低廉的价格空降新奥尔良,并不只会帮助鹈鹕在新奥尔良雕刻出更大的运动景观,而且也是杰出的第一步。
5. Repeats & highlights are as good as the main match, so am gonna watch them.
但煽动家利用此类抱怨的做法威胁到了民主。

Here's a list of the top 10 most anticipated movies in 2016 that we believe will become box office hits and would be worth watching more than once.
Since merged airlines often continue to report delay statistics separately, it may take a few years to see how the new American does during holiday travel.

As financial advisor Taylor Schulte of the 6月 房企冲刺上半年业绩 points out, the math is simply not in your favor if you withdraw from your 401(k).

“如果30年前的改革是解决意识形态问题,现在则要解决利益问题。改革是调整既得利益,等于拿刀割自己的肉,很痛苦,需要下定决心、坚定信心。”
美国国家篮球协会(NBA)近日宣布,NBA全球赛将在中国举办两场金州勇士队对明尼苏达森林狼队的季前赛。
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Teach First在2002年创立之初的目标是鼓励更多的毕业生尝试教学。由于担心该国最优秀的人才都被吸引至伦敦金融城、会计和法律行业,它希望为公立学校培养一些人才,以解决教育不平等问题。

Follow me on Twitter or LinkedInCheck out my website or some of my other work here

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.