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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.

同时,城市周围的乡村地区将会进行修缮,低端的制造厂和公司将会迁移。
We will promote coordinated urban development above and below the ground, and begin construction on at least another 2,000 kilometers of underground utility tunnels in cities. A three-year initiative will be launched to remove the risk of flooding in highly vulnerable urban areas; and further progress will be made in the development of sponge cities. All these efforts will make our cities more attractive and function better.

Swyft works with 50 different messaging partners, including Kakao Talk, Facebook Messenger, BlackBerry Messenger, and Line. The partnerships give the 11-person company access to 2.5 billion registered users. As the strategies for monetizing messaging apps evolve, the young startup has carved out a way for brands to inject themselves into the conversation.
他的投篮许多次都是只打中篮筐的前沿儿。而一些三分投篮甚至投出了三不沾。许多本应是扣篮的球最终他只选择了上篮,当然了,这是相比在若干年前没有任何伤病的他而言的。而最残酷的是,其中一次投篮,科比甚至把球嵌在了篮筐与篮板之间。最终还是对方的球员把球拿了下来。
●"Florida man dies in meth-lab explosion after lighting farts on fire"
我只是忍不住希望,随着《广告狂人》的终结,一个时尚阶段也能终结,在这个阶段,设计师们被困于过去的时代,几乎窒息——至少是困在20世纪60年代(不要忘了,60年代初与50年代末非常相似)至70年代初。

CARES Act 401(k) Loan and Withdrawal Changes

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。 — 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.

Yunge from the Desert
爱因斯坦复活了?
He had been stranded for five hours by the time help arrived.

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 苹果将创造“不可想象的”智能家居生态体系, the rules relating the CARES Act changes are totally different. 

According to the LED市场暗潮涌动:行业变革随时可能来临, 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.

This year brought so many promising new shows: 2014 was the year of “True Detective,” “The Honorable Woman,” “Fargo,” “The Affair,” “Olive Kitteridge” and “Silicon Valley," among others. But there were also older shows that either stayed the course or somehow climbed their way back from a dip or even total eclipse, notably “The Comeback,” starring Lisa Kudrow, a HBO comedy that was canceled in 2005 after one season and then resurrected in November.
“It’s na瘀攀 not to recognize we’re at a pretty serious moment,” said Anthony Crichton-Stuart, director of the London dealer Agnew’s. “There has been a massive taste shift. But when a good old master does come up at auction and it is priced correctly, you do get some excitement.”
Death may be behind the ritual of the critic’s top 10 lists, including that of physical media: Lists are easy to read on cellphones even if the deluge of entertainment media increasingly makes comprehensive viewing near-impossible. More than 900 movies will have opened in New York by the end of this year, many slipping in and out of theaters quickly and racing toward on-demand oblivion. Even so, I watched several hundred features over the year and liked quite a few; the major studios and the independent sector released the expected junk but, as usual, movies of merit. What follows are my favorite moving pictures of 2015 and another 10 miscellaneous notes on the year.

“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.”

只有科比在32岁的时候参加了更多的比赛,而且他的场均出场时间还少了几分钟,而且这还仅包括常规赛。
At the time of the third presidential debate in October both candidates churlishly refused to greet or bid farewell to the other in the custom of the handshake.
在《醉乡民谣》(Inside Llewyn Davis)中,编剧兼导演乔尔?科恩(Joel Coen)和伊桑?科恩(Ethan Coen)兄弟俩挥之不去的忧伤情绪转化成了令人难忘的戏剧性场面。我觉得我的评论本应澄清,这部关于流行文化牺牲品的悲歌有一种特别的味道;其中一些部分相当阴郁。奥斯卡?伊萨克(Oscar Isaac)在片中出演一位自暴自弃的民谣乐手,宿命般地献身于他的艺术,他的卓越表演令这部影片极其震撼人心。

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. 

An otherworldly romance between a mysterious aquatic creature and a mute girl, played by Sally Hawkins.
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.'

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. 

全食CEO约翰麦基的《自觉资本主义》(Conscious Capitalism)一书让公司高管们不得不思考这样一个观点,那就是处于最佳运转状态的企业能为所有利益相关方创造价值,而不仅仅是投资者。麦基认为,主要利益相关方包括顾客、员工、供应商、社会以及环境。他以好市多、西南航空(Southwest Airlines ,《财富》500强)和谷歌(Google,《财富》500强)为例,说明思维超越利润能够打造更强大而、更高效的公司。
值得注意的是,本年度传播假消息之首的网站域名当属“abcnews.com.co.” 在十一月的一次Verge的采访中,伊利诺伊州大学信息科学学院的Nicole A. Cooke教授引用了一个假新闻网站上的消息,这个假新闻网站使用的是危险和普遍的策略,即域名和真网站看上去只有微小的区别。他们让消息源从第一眼看上去具备真实性。管理abcnews.com.co的人告诉华盛顿邮报,他相信他的网站在特朗普大选期间充当了一个重要的因素。

Buyers and Sellers
去年八月北韩一位边界士兵试图射击一些气球,但最终引致了边界双方的一场重机枪交火。

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

Dunkirk
在10月份的第三场总统大选辩论中,两位总统候选人没教养地拒绝与对方握手问好或道别。

“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.”

vt. 转移,分心
在这月初这封信上写着的地址是宾夕法尼亚大学的某个邮箱。

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. 

n. 蛋白质
CONTACT: Kathy Michalove, Seaboard Properties, (860) 535-8364; seaboardpropertiesre.com
In year-on-year terms prices rose in 65 cities and fell in five.
A thin line separates confidence and delusion, and Kobe Bryant is straddling it. It's the only conclusion one could reach after judging the Los Angeles Lakers star's comments Tuesday after he tied the worst shooting performance of his career in any game in which he attempted at least five shots.

The Bottom Line: Leave Your Retirement Money Alone

Chinese cellphone maker giant Huawei expects its smartphone shipments to grow 29 percent year-on-year to reach 139 million in 2016, compared with an estimated global average shipment growth of 0.6 percent.
['striktli]
201207/191926.shtml男子400米、1500米自由泳——孙杨

需要注意的是,票房总收入和个人收入是两个不同的概念。在2012年6月到2013年6月期间(这是我们编制最新全球100名人榜所采用的时间段),唐尼的估计个人收入为7,500万美元,比强森多挣2,900万美元。而本文所讨论的数字是每位明星出演的电影在今年斩获的全球票房。
该银行表示,由于利率只会缓慢上行,大宗商品可能会吸引那些寻找更高收益率的对冲基金和其他投机客。

As financial advisor Taylor Schulte of the 纵观门窗行业发展进程 2017年破局点何在? points out, the math is simply not in your favor if you withdraw from your 401(k).

再见,卡西尼号
《雷神3:诸神黄昏》的搞笑程度远远超出你的想象。这都要感谢杰夫?戈德布卢姆与塔伊加?维迪提两位天才的合作。维迪提不仅是本片导演,他还在电影中饰演了一个极其真诚的石头人战士Korg。
讽刺的是,就在该榜单公布的同一天,特朗普会见了已经连续第四年蝉联富豪榜榜首的比尔·盖茨。
肯尼迪中心为她的善举给她颁发了希望的波澜奖(the Ripple of Hope Award),泰勒也成为此奖项的最年轻获得者。

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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.