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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.

单词syndrome 联想记忆:
According to the announcement, the new administrative center in Tongzhou will put infrastructure upgrades and ecological improvement on top of the agenda. The municipal government hopes to improve public services in education, healthcare, cultural events and industries in the district.

n. 前辈,前任,原有事物
But he told Washington's Observer-Reporter paper that he was keen to read it as it was "a testament of the sincerity, interest and innocence of that time".
社会科学家们分析了来自大西洋两岸的数据,发现了一些惊人的事情:在社区内,引起白人不满,并令他们支持反移民政策的,并不是多样化民族或种族的人数,而是变化的速度。
至于英国,官方虚构数据同样盛行。英国国家统计局(Office For National Statistics)周二公布,以由来已久的零售价格指数(RPI)衡量,去年12月英国通胀率上升至4.1%。该数字纯属胡扯,英国国家统计局对此心知肚明。该机构告诉人们RPI“没有达到规定标准”,不能作为合格的通胀指标,但自2012年以来该机构一直拒绝采取措施来改善该指标并使之贴近3%的整体通胀率。

CARES Act 401(k) Loan and Withdrawal Changes

柯特妮韦弗(Courtney Weaver) — 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.

Google's top searches for 2017 included Matt Lauer and Hurricane Irma.The search giant has unveiled its annual Year In Search results that show the top Google searches in various categories globally and by country.
中国国家统计局发布的10月份制造业采购经理指数(PMI)降至51.6,比路透(Reuters)调查的经济学家给出的预测中值52要低,离荣枯分界线50更近。
Get Out

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 中国城镇家庭负债率升至5.5%, the rules relating the CARES Act changes are totally different. 

According to the “租购同权”推动住房租赁市场健康发展, 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.

但当格雷泽给我们带来《皮囊之下》,这部经过他长期酝酿的,由荷兰作家米歇尔·法柏的科幻小说改编的电影时,真是让人惊叹:欢快,不安,大胆。斯嘉丽扮演的外星人藏于人类的皮囊里,穿梭在格拉斯哥街道和商场,不亚于一位一线明星。现实生活中的路人在镜头中完美的展现,而隐身的约翰森面无表情的估算着三个地球人可被利用的热量值。接着演员带着被色诱的人类离开人群,来到她自己的地方:一个神秘的黑暗的洞穴中。在这里,情色恍惚间,人类贡献自己的肉体,被囚禁,被养殖成为食物,谁知道呢,又或许是人类的灵魂。
“当我刚开始创业的时候,布鲁克林还是个替代选项;而现在,它已经成为一个优选地段了,”霍尔斯特德房地产公司(Halstead Property)的首席执行官黛安娜·M·拉米雷斯(Diane M. Ramirez)说,“我看到皇后区(Queens)正在朝这个方向发展,布朗克斯(Bronx)也不远了。”
国家统计局日前在其网站发布了上述数据,称这是科技研发经费增速连续4年下滑后的首次回升。

“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.”

来自民主党的奥巴马和共和党的罗姆尼在竞选活动中,都把重点放在如何修复萎靡不振的美国经济上。据估计,至少有1.2亿的美国选民将选举投票。
Chinese mainland is home to two of the top three universities in Asia, according to research published last Thursday by the Times Higher Education (THE).
在新浪微博(类似Twitter的一个中国社交平台)的一个投票中, 58.5%的网友“喜欢”水墨画猴子形象,14.4%的人喜欢3D版的正面图,而12.5%的人想“为其换装”,这意味着他们并不喜欢这个颜色。

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. 

2014届大学毕业生工作半年后,平均月收入为3487元,较2013届的3250元、2012届的3048元有了较大增长。
2. "Breaking Bad" (4.2 million)

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. 

n. 有价证券;担保;保证人;抵押物(security的
Bernard Baumohl 作为Economic Outlook Group的首席经济学家,表示他甚至更乐观的认为接下来的两年将会成为至少近十年以来形势最好的两年,他还称“有很多证据充分的表明了经济正在恢复的势头”。

一家非官方机构出具的中国制造业衡量指标在11月下降,表明国有企业的业务增长并未扩展到规模较小和私营的工厂。
Instead it ticked upward slightly to 8.3 per cent.

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

近日,新一期福布斯世界富豪排行榜揭晓,比尔·盖茨在近22年内第17次问鼎榜首。
TextPride changed its name to Swyft Media and launched a platform that pushes emojis and stickers from new brands into messaging apps. Brands pay for the privilege, as they would with a regular ad campaign.

“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.”

11月中国外汇储备下降872.23亿美元,接近8月下降940亿美元的纪录——该月中国央行出乎全球市场意料地允许人民币在三天里贬值4.6%。
con共同,duct引导-引导大家的行为举止

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 local court gave Zhou a lenient sentence due to the teenager's age and frank confession of the crime, according to the report.
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I experienced this pessimism personally in Davos in January 2014. Several leading western intellectuals asked me whether war would break out between China and Japan. I was so confident that there would be no war in east Asia that I offered to take bets with ten-to-one odds against myself with eminent western journalists. Two took up my bets. And I will be collecting on these bets when I return to Davos in January.
我们也不希望打贸易战。我们坚持人民币汇率形成机制的改革,保持了人民币汇率在合理均衡水平上的基本稳定。

The Bottom Line: Leave Your Retirement Money Alone

加拿大整体排名第二,幅员辽阔,位居世界第二。“生活质量”与“教育最佳国家”均居首位。
巴韦贾对全球化不断变化的性质的深度分析显示,全球贸易增长疲软背后的主要因素是投资减速。全球贸易增速曾在很长一段时间内是全球GDP增速的两倍。
许多人对此不屑一顾,《纽约每日新闻》采访到的一位营养师声称,黄金披萨中最昂贵的成分:厄瓜多尔进口黄金薄片缺乏营养价值。

Disparity between the 34 cities surveyed was still greater, as the the average bonus of over Rmb15,800 in Beijing was more than triple the lowest-paying city of Shenyang, the provincial capital Liaoning located in China’s northeastern rust belt.
3.9 全面加强政府自身建设

As financial advisor Taylor Schulte of the 家居建材业进入洗牌期 再不变革就会老去? points out, the math is simply not in your favor if you withdraw from your 401(k).

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与此同时,国内互联网用户已经养成了手机支付的习惯,去年用手机支付的用户数量飙升到了4.69亿,同比前一年增长了31.2%。
年度最佳合唱:埃里克·丘奇、杰森·阿尔丁、卢克布·莱恩《The Only Way I Know》

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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.