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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.

《琅琊榜》
格温o史蒂芬尼的广告在好几个应用上同时推出,其中就有总部位于硅谷的短信应用Tango。Tango主要通过用户收件箱里的广告赚钱,但它已采用了Swyft的平台,该公司广告和平台副总裁理查德o拉百特表示,这类广告非常契合人们使用Tango的方式。一年前,Tango决定不再卖贴纸了,因为向用户要钱总会带来很多摩擦。拉百特称:“在人们沟通过程中放上一道‘留下买路钱’的大门绝不是我们希望带给用户的体验。”所以,就由Swyft来提供这种广告吧。

“中日关系说到底,就是日本能不能接受中国的发展壮大,这是根本问题。”
Talk show host and comedian Ellen DeGeneres will host the Oscars ceremony for a second time.
祝老师新年充满平安和爱。
朱迪·福斯特(Jodie Foster)过去也将洗手间作为最佳选择 –“它们和水龙头看起来交相辉映”–但她已经为因影片《沉默的羔羊》(The Accused and Silence of the Lambs)获得的两尊小金人找到了一个更好的归属:奖杯盒。

CARES Act 401(k) Loan and Withdrawal Changes

Bangkok's back! — 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.

现年60岁的罗斯是位于波士顿的哈佛大学的教授,而89岁的沙普利是美国加州大学洛杉矶分校的教授。
平壤称Park为“人渣”,一直在谴责气球投放,最近几个月甚至要求首尔禁止这一行动。
'Chinese clients are not only buying in Asia but in New York and Geneva as well.'

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 1-4月份全国累计新增减税5245亿元 制造业受益多, the rules relating the CARES Act changes are totally different. 

According to the 170万买的房 一部分面积竟在邻居家!业主崩溃了!, 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.

本文为与《时代》杂志的合作内容。
近几十年来,很少有年份像2014年那样一开始就充满那么多的悲观情绪。对2014年的预测贯穿了一个主题,即这一年看起来与1914年相似得让人害怕。大多数学者的预测都是悲观和令人沮丧的,尤其是对于东亚。然而,虽然发生了许多可怕的事件——从马航MH17航班在乌克兰坠落,到尼日利亚数百女学生被绑架,以及“伊拉克和黎凡特伊斯兰国”(Isis)的崛起——但我们避免了全面的世界大战。现在,2014年已结束,没有重现1914年的悲剧。探究为什么这些学者预测错了(特别是他们认为亚洲存在冲突可能性的想法)或许是明智的。
消费者的感觉变好。由于就业市场、楼市和股市状况的改善,消费者信心达到四年来的最高水平。美国陷入衰退后,美国人缩减债务,避免借钱并推迟购买。这意味着消费者需求增强的条件可能已经具备,进而可能促使停止招聘的企业开始扩员。信安环球投资有限公司的鲍尔说,企业可能尽可能地提高生产力增长,他表示雇主将需要增员来满足更强劲的需求。qh]

“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.”

豆瓣网友“Banchengyansha”称:“电视剧版的场景很精致,也很贴合原著。”
It was billed as the year in which female film-makers and women's issues would be in the spotlight. The festival opened with a film by a female director for the first time in 28 years, Isabella Rossellini chaired the Un Certain Regard jury and Salma Hayek convened a high-profile panel to discuss the role of women in cinema. There was plenty to talk about – but had anything really changed? The numbers seemed to speak for themselves: of the 19 films in competition, only two were directed by women. And then came 'Heelgate' – of which, more later… Faced with suggestions that the festival is sexist, artistic director Thierry Frémaux was having none of it. Cannes was being held to an unfairly high standard, he claimed, one not applied to other festivals like Venice or Berlin. His suggestion? Instead, people should “attack the Oscars”.
Holly Hunter reportedly keeps her best actress award, which she won for her portrayal of Ada McGrath in the 1994 New Zealand film, The Piano, at the New York offices of Joel and Ethan Coen. It sits alongside the statue Frances McDormand won for her role as the heavily-pregnant local police chief with the insatiable appetite, Marge Gunderson, in the Coens’ 1996 film Fargo.

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. 

5.布莱恩·克兰斯顿曾是杀人嫌疑犯
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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. 

《楚乔传》改编自网络小说《11处特工皇妃》,讲述了女奴楚乔的奇遇以及她和燕洵世子的爱情故事。
"A total of 297 projects will be carried out in Tongzhou, such as building new subway lines and expressways, and improving ecologies," Lu Yan, director of the Beijing Municipal Commission of Development and Reform, said at a news conference on Wednesday.

Writing for a Mini-Series or Movie: D.V. DeVincentis, “The People v. O. J. Simpson: American Crime Story” (“Marcia, Marcia, Marcia”)
Now, Curry and the Golden State Warriors are right road of adding another accomplishment.

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

随着美国电子商务交易接近零售总额的10%,越来越多的商家开始寻找既好用又能帮他们快速卖出商品的电商平台。
由于净利润增长缓慢,我国16家上市银行削减了去年的分红。

“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.”

Right now, she's focusing on her modeling career, but also hopes to branch out into acting.
有时候,人们误以为这种冷静是缺乏紧迫感,而在瞬息万变的科技业,紧迫感至关重要。许多人对于Apple Watch今年还未上市感到失望。但分析师表示,苹果的风格就是一定要等到产品至臻完美,这常常会带来更强劲的长期业绩。三星(Samsung)的智能手表已推出第六代,但至今没有真正大火起来,其今年的智能手机销量也大幅下挫。

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. 

9.Bellarine Peninsula, Australia
他们开始对无保障合同、不稳定的工作时间安排、微薄的工资以及依托优步(Uber)等在线零工经济平台的新形态工作感到忧心忡忡。总部位于巴黎的有影响力的富国俱乐部——经济合作与发展组织(OECD)将于2018年发布《就业战略》,其中可能会更加强调工作的质量和包容性。
这些各不相同的胡子是设计师弗朗西丝·汉农(Frances Hannon)设计的,在安德森的多部电影中(比如《青春年少》[Rushmore]和《水中生活》[The Life Aquatic With Steve Zissou]),她都为比尔·默里(Bill Murray)设计了面部毛发。这次,她让该片的很多演员留起胡子,供她修剪成任何想要的形状。
New Year should be a time of banked-up fines, the scent of flowers and wine, good talk, good memories and loyalties renewed. But if all else is lacking - love will do.新年是这样美好的时光:炉火熊熊,花儿芬芳,醇酒飘香,殷殷祝福,美好回忆,恩爱日新。即便没有一切,只要有爱便足矣。

The Bottom Line: Leave Your Retirement Money Alone

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狄更斯在《双城记》中描写法国大革命时,距离事件发生已有近一个世纪。而我则是在今年12月就回顾盘点这一年。因此,我在此描述的某些趋势,可能将在可预见的未来继续存在,而另一些趋势则可能已经开始减弱。作为当今时代“最哗众取宠的权威人士”之一,我只要求各位在阅读这篇评论文章时记住一点:过去的业绩并不能保证将来的表现。

最后,不管你是什么性格的人,积极生活,健康向上!
4.Avoid micromanaging

As financial advisor Taylor Schulte of the 为什么要限制办理进京通行证的次数?有关负责人答问 points out, the math is simply not in your favor if you withdraw from your 401(k).

response
TV soaps regularly top the TV ratings but the highest trending show of 2012 was the BBC kids' show 'Mike The Knight' that beat US terror drama 'Homeland' and 'Towie.'
Here are five things consumers and investors can count on (probably) in 2015:
It organized two large-scale inspections last year, involving more than 5,300 batches of imported consumer goods, such as air purifiers, car brake blocks, household electrical appliances and clothes, with more than 1,500 found to be substandard, Han said.

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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.