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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.

愿新年的快乐一年四季常在。
Do not forget why you're attending these conferences, who you're doing this for -- we are your own children. You are deciding what kind of world we will grow up in. Parents should be able to comfort their children by saying "everyting's going to be alright" , "we're doing the best we can" and "it's not the end of the world". 不要忘记你们为何而来到这里开会,你们为谁做事情?我们是你们的下一代,你们正在决定我们将要在一个什么样的环境中成长,父母需要能够宽慰孩子们,告诉他们“一切都没问题,那不是世界末日,我们正在尽其所能的改变”。

People were busy launching businesses or making innovations.
2016年空前的海外收购潮消耗了中国大量外汇储备,随后监管部门开始严格限制境外交易。今年8月,中国政府出台了新框架,鼓励那些符合北京战略重点的交易,并限制涉及娱乐、体育和豪宅等方面的交易。
Meanwhile, there are other factors holding back the Asian ETF market that some sceptics fear will hold back development of the retail side.
Inspired by this, researchers and scientists have been working on areas where making things small may mean big results.

CARES Act 401(k) Loan and Withdrawal Changes

The report didn't comment on potential factors influencing the numbers, but many – including members of the opposing political party – are laying the blame squarely at the feet of government cost-cutting. — 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.

排在榜单第三位的是31岁的克丽茜·泰根,她在过去的12个月里赚得1350万美金,首次跻身榜单。
In this Jan. 7, 1997, file photo, Steve Jobs, chief executive of Pixar, speaks at the MacWorld trade show in San Francisco.
Justin Bieber rounded out the top five, honoured for his work with Pencils of Promise and his Believe Charity Drive.

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 民法典物权编草案首提“居住权”, the rules relating the CARES Act changes are totally different. 

According to the 轨道交通日趋发达 推动“轨交房”发展, 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.

Sweden’s Proponent of ‘Feminist Foreign Policy,’ Shaped by Abuse
这份工作排名的依据分别是:收入、职业前景、工作环境、工作压力和体能需求等,大部分数据来自美国劳工部统计局。
Martin Wolf

“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.”

韩孟杰强调,由于处于性活跃期,容易受到外界的影响,发生不安全的性行为,所以大学生感染的风险还是存在的。
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adj. 社团的,法人的,共同的,全体的

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. 

vt. 创立,开始,制
n. 航行,航海,导航

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. 

去年,CPI指数上涨在一月时达到峰值2.5%,随后在剩下的时间里在2%以下波动。
The 'Divergent' Star Shailene Woodley top the list of most beautiful women of 2015. The young Hollywood star found breakthrough success in The Descendants (2011). She was considered one of the “55 Faces of the Future” by Nylon Magazine's Young Hollywood Issue.

旅友们,注意啦!尽管你可能还没制定好旅行计划,但“2014年最佳旅游目的地榜单”已经新鲜出炉了。近日,著名旅行指南出版商孤独星球出版社发布了“2014最佳旅游”排行榜。下面我们就从排名前十的国家中挑选出一些目的地让你先睹为快。
The mattress comes with sensors inside the bed that can detect pressure and send messages to the app, which spares no details. The app not only detects movement on the bed, but also records the intensity and speed at which people are getting it on.

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

位居榜单第三的是史蒂夫·卡瑞尔(Steve Carell)。《卑鄙的我2》(Despicable Me 2)在今年大获成功,斩获票房9.19亿美元。该电影系列累计已取得14亿美元的全球票房,该系列第三部《小黄人》(Minions)也即将上映。卡瑞尔今年还出演了小制作独立影片《迷途知返》(The Way Way Back)和《超级魔术师》(The Incredible Burt Wonderstone)。后一部影片的票房虽未能赚回制作成本,但是我们这里只关注票房收入——该部影片为卡瑞尔2013年的电影票房收入又添2,250万美元。
Tencent, with an estimated value of $44.7 billion, was crowned this year's Most Valuable Chinese brand on a list released by the Hurun Institute on Thursday, marking the second time in a row it came up on top.

“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.”

When you post your résumé to a job board, such as Monster or Indeed, there's a chance your current employer could see it. In fact, Foss says many HR staffers and managers regularly search for their company names within job board submissions specifically to see if their employees are looking for jobs。
“We will see a lot of headlines about [emerging market export growth] picking up in the first half of 2017,” says Bhanu Baweja, head of EM cross asset strategy at UBS, who believes EM exports will show year-on-year growth of between 8 and 13 per cent in dollar terms in the first quarter of this year, “a complete postcode away” from the negative numbers currently being reported.

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 economy has registered a slower but stable performance with good momentum for growth.
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拉娜福鲁哈尔(Rana Foroohar)
As the stars' private jets swooped in, the internet was going mad for 'the Dad bod'; the slightly flabby male physique was trending and there were plenty of examples on screen. Deborah Cole of AFP noted a “sweating, panting and shirtless” Gerard Depardieu in Valley of Love and a flash of Joaquin Phoenix's “tubby tummy” in Woody Allen's Irrational Man. When Colin Farrell strode the red carpet for the premiere of The Lobster, he looked his usual trim self – but in the film he is distinctly paunchy. To add some girth for the role of a lonely singleton in Yorgos Lanthimos' absurdist black comedy, Farrell went on a massively calorific diet that included drinking melted ice cream, he told the Hollywood Reporter. Eating “two cheeseburgers, fries and Coca-Colas, and two slices of chocolate cake at 10am is not that fun,” he said. “And I love cheese?burgers."

The Bottom Line: Leave Your Retirement Money Alone

Song “Chang’er”(Li Yugang and three Chinese astronauts)
5. Geopolitical flashpoints.In the not too distant past, a small supply disruption would send oil prices skyward. In early 2014, for example, violence in Libya blocked oil exports, contributing to a rise in oil prices. In Iraq, ISIS overran parts of the country and oil prices shot up on fears of supply outages. But since then, geopolitical flashpoints have had much less of an effect on the price of crude. During the last few weeks of 2014, violence flared up again in Libya. But after a brief increase in prices, the markets shrugged off the event. Nevertheless, history has demonstrated time and again that geopolitical crises are some of the most powerful short-term movers of oil prices.
桑迪已经造成大规模损害,很可能带来更多灾害。

inspiring
克里斯汀“伯德小姐”是一名高中生,她“家里贫困拮据”,但却向往冒险成熟的生活,憧憬机遇的来临。但在她所就读的萨克拉门托天主教学院她却什么也寻求不到。影片讲述了主角高三一年的经历,包括她第一次恋爱,她在学校参加舞台表演,以及最重要的,她申请大学的故事。

As financial advisor Taylor Schulte of the 县城楼市去库存:嫁女成卖女 丈母娘经济伤不起 points out, the math is simply not in your favor if you withdraw from your 401(k).

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201212/212620.shtmlChina won the Robot World Cup Soccer 2013 against the Netherlands in a thrilling match that resulted in a 2-3 win for China.The Robot World Cup Soccer was held in Eindhoven, the Netherlands, which defended its Robot World Cup title of last year.

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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.