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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.

6. Make a plan.
泰勒·斯威夫特(Taylor Swift),《空白空间》(Blank Space), Big Machine

On Sunday, the night before the Doodle debuted, Zhang told Newsday she was "excited" by the big win, but said she wouldn't be awake when her art first went online at midnight.
每个句子后面有5个数字,选择最能反映你的感受的数字。
莱蒂齐娅·巴塔利亚按时间顺序为当地一家报纸记录了七八十年代巴勒莫的黑手党战争。如今,她的照片被一些博物馆和回顾展收录。
The eighth grader's candidacy is also about overcoming age discrimination, which he sees as a barrier to equality, and he says his quest for the top state spot is no joke.

CARES Act 401(k) Loan and Withdrawal Changes

如果(转变经济发展方式)还是空谈,不去付诸实施,那不是说又好又快,根本就撑不住啦。“ — 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.

清华大学在计算机科学和工程学两个学科中排名居首。这所中国院校今年取代了麻省理工学院,成为计算机科学最强学府。
钱很重要
According to the report, some lenders have been using the platform to offer female college students high-interest loans on the condition that the borrowers hand over nude photos of themselves holding their ID cards as collateral.

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 深度探析:未来中国家具业路在何方?, the rules relating the CARES Act changes are totally different. 

According to the 未来4个月顺德50%的家具企业可能消失?, 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.

● “肉桂卷会在人类屁股内爆炸”
纽约现在排名第7,比去年上升了15个名次。近年来,纽约的生活成本涨幅巨大,较2011年上升了42个名次。
The programme has enabled me to take a quantum leap in my career and prepared me to take on a strategic C-level [chief-level] role right after graduation, said another alumnus.

“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.”

其他地方已经出现了这种情况。
莱蒂齐娅·巴塔利亚按时间顺序为当地一家报纸记录了七八十年代巴勒莫的黑手党战争。如今,她的照片被一些博物馆和回顾展收录。
I have never ordered an ice bucket for my red wine. In fact, come to think of it, I have never ordered an ice bucket for white wine, Champagne or dessert wine.

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. 

As we pointed out earlier, we've long been able to restore hearing to the deaf, but restoring sight to the blind is a much more complicated matter. When people lose their sight, their retinas no longer send signals from their photoreceptors to their brains. To make an artificial eye, we'd need to understand how the retina processes those signals, and that's a code scientists just haven't been able to crack.
engaged

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. 

We will make continued progress in building a Healthy China.
德国

小说作者安东尼·赫洛维兹(Anthony Horowitz)透露,新书《Trigger Mortis》为现代读者作了改动,包含反对吸烟的信息,而且首次有一位“直言不讳”的同性恋朋友出场。
The programme has enabled me to take a quantum leap in my career and prepared me to take on a strategic C-level [chief-level] role right after graduation, said another alumnus.

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

Participants in the study were between the ages of 18 and 44 and were asked to run twice – with and without shoes. After completing their quick runs, researchers found that the heart rate and overall run speed of each participant had no effect on memory, but the presence of shoes or bare feet did. The researchers have hypothesized that the need to engage the mind while running barefoot to avoid pebbles or other impediments could have a positive impact on a person's ability to remember things. If you're an adventurous person, you might try taking a barefoot jog around the block before your next test or before you need to remember something important.
课程安排:每隔一个周末在芝加哥上课,共计大约18门课程,包括4门选修课。学员在芝加哥住校学习3周,在香港和伦敦分别学习1周。

“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.”

Beijing Capital International Airport performed slightly better, with its punctuality rate reaching 60.7%.
夏奇拉

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. 

Consumers in many parts of the world have a preference for buying local which has helped boost the value of local brands.
Manufacturing has held up better, with profits growing 6.5 per cent, while profits from utilities such as electricity, heat and water grew 17 per cent, boosted by lower energy prices.
会建立起稳定、流动性较强的比特币期货市场吗?
The main culprit for the deceleration was food, though food inflation is higher than the overall index. Food prices were up 1.9 per cent in October, down from 2.7 per cent in September and 3.7 per cent in August. Non-food inflation ticked down 0.9 per cent from 1.0 per cent.

The Bottom Line: Leave Your Retirement Money Alone

Among the year’s biggest surprises was the plunge in gasoline pries. Economists differed on the economic impact—money in the pockets of consumers offset by declines in exploration and drilling activity—but everyone agreed that it was bearish for small cars and hybrids. The combination of cheap gas and a steep sticker price made the Cadillac ELR the runaway winner of the most disliked car of the year award. Only 155 of the Volt-based $80,000 cars found buyers in November.
●"Florida man dies in meth-lab explosion after lighting farts on fire"
Despite the fact that each market rebound ended up as a V-shaped affair, each successive rally was carried out with less and less individual stock participation. Glaring divergences between winners and losers, large caps and small caps, preoccupied the commentariat for most of the spring and summer. Deflationary concerns from Europe and the Japanese technical recession further confounded analysts, as Treasury yields and inflation indicators in the U.S. were driven lower despite the improving domestic economy.

9. Investors brains are so distracted, in denial, they won't get out in time.
坦率地讲,这种行为意味着你还只是一个小女孩,还算不上女人。

As financial advisor Taylor Schulte of the 2月首周京政策房成交占比超六成 东坝自住房密集 points out, the math is simply not in your favor if you withdraw from your 401(k).

AMC频道的《广告狂人》(Mad Men)也是如此。该剧演到了第七季,剧中人物和20世纪60年代的背景似乎已被挖掘干净,不过它仍在让观众猜测结局,结局要到明年才播出。《黑道家族》(The Sopranos)结局模糊。《绝命毒师》(Breaking Bad)以沃尔特·怀特(Walter White)死去告终。现在,隐约显现的下一个电视谜题是唐·德雷珀(Don Draper)的最后时刻——究竟是死去还是活着。
这种迅速放缓的势头如果延续下去,可能会阻碍更广泛的增长。观察人士认为,制造业企业活动的持续扩张源于国内需求的增长。
黄金披萨中使用了进口白斯第尔顿奶酪、表面的金箔上点缀有里海俄罗斯鲟鱼子酱、法国松露和鹅肝。
据市场研究公司IDC数据显示,个人电脑(PC)的需求正在下降,在2015年第四季度,全球PC出货量下跌了10.6%。

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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.