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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.

不过,增长疲软对年终奖的影响或许在2015年已见顶。当时,66%的白领员工没有收到年终奖。而2016年的比例实际上比2014年都有所好转,那一年未收到年终奖的比例为61%。
多数天主教徒(60%)和非福音派白人新教徒(65%)表示,他们相信飓风和洪灾等自然灾害是气候变化所致。

But none of these doomed NBA squads seem all that interested in setting themselves up for it. Should they be? Do we need more tanking this year, for these teams' own sake?
But the impact of corporate stinginess can go beyond simply ruining employees’ lunar new year holiday, possibly coming back to bite employers: 39 per cent of respondents said they would look for work elsewhere if their year-end bonus was not up to snuff, an increase of 2.3 percentage points from 2015.
adj. 高品质的
客户通过Twitter 和Faceboo向世界传播“糟糕经历”的能力已经改变了客服世界的生态。尼尔森公司(Nielsen)2012年的一项调查显示,超过一半的客户现在通过社交媒体寻求补救措施;与此同时,在Twitter上提出问题或抱怨后,大约81%的用户提出当天就能获得回应。但在今年秋天,事情变得更加有趣:9月2日,英国航空公司(British Airways)乘客赛义德?哈桑斥资大约1,000美元,购买了几条“推广消息”,猛烈抨击这家航空公司弄丢了他的行李。鉴于有偿社交媒体推广现已成为客户的新武器,从2014年开始,各大航空公司、信用卡公司、银行和其他累犯提供的糟糕透顶的客户服务或将走向终结。无穷无尽的电话等待时间和那些自动化的“电话树”(比如,“英语服务请按1,西班牙语服务请按2,您整整一个下午都需要等候接听请按3”)或许将被扔入历史的垃圾桶。

CARES Act 401(k) Loan and Withdrawal Changes

More than 430,000 students from 1,767 universities in 31 provinces, municipalities and autonomous regions across China were surveyed. Of the respondents, 89.2% had considered starting a business, with 18.2% reporting firm intentions to do so. — 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.

After working for half a year, the average monthly income for 2014 graduates is RMB3,487, a significant increase from RMB3,250 in 2013 and RMB3,048 in 2012.
拿比利时来说,理由更为显而易见。该国人口主要由弗拉芒人、瓦隆人和日耳曼人组成,但国家足球队中却有数名非洲裔球星。目前,摩洛哥裔比利时人,包括中场费莱尼和边锋查德利——组成了最大的非欧洲小团体。就像法国队内有北非和加勒比小分队、德国队中有土耳其裔球员一样,比利时国家队也从多元人口结构中受益:一个来自西欧,一个来自非洲,还有一个来自东欧。
n. 贷款,借出,债权人

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 银保监会:在全国范围开展老年人住房反向抵押养老保险, the rules relating the CARES Act changes are totally different. 

According to the 第二届中国建材家居发展大会解读报告 2015年市场规模将超4万亿元, 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.

It is the continual shrinkage of components that have unleashed the explosion of computing power and enabled these gadgets to be accessible to people across the world.
Arlie Russell Hochschild, the author of “Strangers in Their Own Land: Anger and Mourning on the American Right,” describes a feeling of lost opportunity as the “deep story” of the rural Louisiana communities she spent four years studying.
E-cigarettes first started becoming popular in 2012. They work by heating a nicotine fluid to mimic a real cigarette. Their invention is usually credited to Chinese pharmacist Hon Lik, who reportedly created it after he dreamed that he was drowning in a cloud of vapor. His father had died of lung cancer caused by cigarettes. He himself was an unrepentant smoker who had unsuccessfully tried quitting by using a nicotine patch.

“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.”

不过,这一涨幅显著低于此前一个月8.2%的环比涨幅。
不过,增长疲软对年终奖的影响或许在2015年已见顶。当时,66%的白领员工没有收到年终奖。而2016年的比例实际上比2014年都有所好转,那一年未收到年终奖的比例为61%。
A New York City restaurant is taking a stab at creating the most decadent pizza on the market with a pie topped in gold flakes, foie gras and even truffles.

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. 

芯片的零售价为150美元,但一次只能烤四寸的饼干。如果你用传统的烤箱,在烤箱烤一大批饼干,你也能在30分钟内烤完8到12块饼干,也更加便宜。
她解释说:“这一事件牵涉了许多方面,例如环境、能源、工作场所灾难和大国政府职能。它成为了人们焦虑情绪聚集的一个焦点。”

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. 

周二,土耳其总统雷杰普?塔伊普?埃尔多安(Recep Tayyip Erdogan)对荷兰的外交声讨升级,他宣称荷兰“品德败坏”,并认为荷兰军队对二战以来欧洲最恶劣的大屠杀难辞其咎。
在即将卸任的中国领导层不愿做出任何有远见的决定时,中国必须沿着一条狭窄的道路审慎推进。

这位名叫波比·博伊登的小选美冠军穿着一身黑色的连衣裤,带着鬈曲的假发,非常熟练的跳着扭臀舞,向观众们飞吻。
全球肥胖率上升的前因后果。

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

……被要求向面试官简单介绍自己,结果她没有什么可说的。
1. “Timbuktu”(Abderrahmane Sissako)

“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.”

8、苹果发布会
Video footage recorded by the RSPCA shows the house littered with mess, including animal faeces.

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. 

单词conduct 联想记忆:
Gary Oldman's first film as director in 20 years, and only his second ever, is a biopic of the pioneering 19th-century photographer Eadweard Muybridge, focusing on the affair between his wife, Flora, and Harry Larkyns, the theatre critic he kills. No casting confirmed, but Oldman had been chasing Ralph Fiennes and Benedict Cumberbatch. The man himself will play Muybridge's prosecutor.
早先一个由活动分子和美国人权基金在一月份投放100000份电影的计划被推迟到了上个月的新年后。
恭贺新禧,祝身体健康、事业发达。

The Bottom Line: Leave Your Retirement Money Alone

失宠行业
We will improve the property rights protection system.
"Machines will be stronger and smarter than human beings, but they will never be wiser," he said, "because one thing's for sure: Wisdom, soul and heart are things that only human beings possess, and machines can never enjoy failure, success, friendship or love."

The movies were selected from more than 2,000 titles from 100 countries and will be screened in 30 cinemas and colleges around Beijing from April 8 to April 23, Zhang Xiaoguang, deputy head of China Film Archive, said last Thursday.
Neshama Spielman, from Jerusalem, found the artifact four years ago at a dig organized by the City of David and the Temple Mount Sifting Project, which works to examine tons of dirt removed without archaeological supervision from the Temple Mount by the Muslim Waqf. Details of the find and its identification, however, have only now been revealed. Spielman, who is aged 12, was just 8 when she made the find.

As financial advisor Taylor Schulte of the 唐山:亲历北方瓷都六百年变迁 points out, the math is simply not in your favor if you withdraw from your 401(k).

5Japan
Mr Draghi hit back the day after the December vote, saying that there was no “limit” to what eurozone policymakers could do to return inflation to its target.
According to local media, the gang, based in Nanning, the capital city of south China's Guangxi Zhuang autonomous region, was able to make up to 16,000 yuan (£1,750) profit on every tonne of the putrid meat, by injecting it with chemicals, increasing its weight by 50 per cent.
随着新款iPhone不断刷新自己的发售纪录,库克推出了Apple Watch和Apple Pay等产品,引领苹果进入时尚界和金融界,让这家公司再度焕发出许多人担心已和乔布斯一同逝去的创新精神。苹果今年一年市值的增长,就接近谷歌(Google)的整体市值。

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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.