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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.

11. Am I dwelling on the past? It is very tempting and almost involuntary to look back on the past and obsess over something we regret or something we miss. Learn to let go and only focus on what’s happening right now, and on the choices you will make today.
指数:93.6

While the debate was supposed to be solely about foreign policy, domestic concerns were never far from the surface and the candidates took every opportunity to pivot to their stump speech attacks over the economy and tax. The same was true in the spin room afterwards where both campaign teams dispensed quickly with debate comments and moved instead to analysis of the state of the race in swing states.
Politics also color perceptions of the weather, the survey found. More than three-quarters of Democrats and six in 10 independents believe that the weather has become more extreme over the last few years, while less than half of Republicans say they have perceived such a shift.
Colliding Neutron Stars
与此同时,预计出口将继续下降,原因是全球需求疲软而价格上涨,以及中国实际上决定让人民币汇率再度盯住正在走强的美元。

CARES Act 401(k) Loan and Withdrawal Changes

Bond King Bill Gross admits, 'QE must end.' Trillions of cheap money 'has distorted incentives and inflated asset prices to artificial levels.' But now Gross says 'the Fed plan may be too hasty.' — 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.

1999年中国航空工业第一、第二集团公司(之后两者合并为中国航空工业集团公司)的成立标志着中国开始进军商业航天领域,显示了中国迈向这一行业的绝心与意志。但实现这一雄心的脚步并不那么平坦。20年之后毫无疑问中国已经成为了大型商用航天领域的成熟玩家,将其他几国远远甩在身后,并有望打破空客和波音的长期垄断。
源于:metal(n 金属),因为奖牌是金属做的
位于芬兰赫尔辛基的开发商Remedy Entertainment通过之前的作品《英雄本色》(Max Payne)和《心灵杀手》(Alan Wake)模糊了好莱坞和游戏之间的界限。如今,这家工作室将次世代的图像技术与紧张气氛和电视剧剧本结合了起来。故事设置在Riverport大学城,玩家将控制杰克o乔伊斯和贝斯o怀尔德。这两人原本是普通人,但在一次导致时间裂缝的意外中,他们获得了操纵时间的超能力。在游戏过程中,时间体系会随时崩溃,导致环境中的时间暂停、断续、倒流和冻结。玩家在游戏中会与帝王联盟(Monarch Corporation)展开对抗,喜欢《英雄本色》中子弹时刻的玩家,可以在放大时间因素的枪战中寻找新的战略。除了虚拟的故事情节,游戏还采用了定制的实景真人叙事模式,根据玩家的不同选择将产生不同的后果。

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 建筑采暖:盘点国外住宅太阳能技术, the rules relating the CARES Act changes are totally different. 

According to the 多地现业主“弃房断供” 近半弃房者下落不明, 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.

The low reading was driven by a fall in the production component, whereas the forward-looking new orders component increased for a sixth straight month.
The list presents an annual snapshot of the ever-changing global business landscape. The U.S. holds onto its crown as the country with the most Global 2000 companies: 564. Japan trails the U.S. with 225 companies in aggregate, despite losing the most members (26) this year.
Kate Winslet is another Brit who’s opted for the loo for her best actress Academy Award, which she was awarded for her complex role as a concentration camp guard in the 2008 adaptation of Bernhard Schlink’s novel, The Reader.

“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.”

5. Gay Marriage
根据中国国家统计局的数据,10月份中国规模以上工业增加值同比增长6.1%,与9月份的增幅一致,略低于经济学家的预期中值6.2%。
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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. 

另一些人则采用一些颇具创意的告别方式。人力资源公司OfficeTeam邀请美国600位人力资源经理透露一下他们最近耳闻目睹的最古怪离职方式。现在就让我们一起来欣赏一下吧:
德肖维茨称,这个说法太模糊了,学校没有提出任何具体的要求。“当学校严肃处理学生时,却不说明他们的判断标准,我认为这是有问题的。”

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. 

开始布置吧。你是不是已经有所感悟了呢?那么赶紧去布置一个优雅和个性的办公桌吧,心动不如行动哦。
What’s more, a Fiat engine not only places among Wards’ top 10 for the first time, it’s for an electric motor, the 83-kW unit found under the hood of the diminutive 500e. Unfortunately the car is only sold in California, though market forces might convince the automaker to send it into wider distribution should gas prices gain spike up to the $4.00/gallon mark or above.

The ground-breaking discoveries in physics, have ignited a firestorm of research, and it’s only a matter of time before their research leads to advances as unimaginable to us now as lasers and computer chips were a hundred years ago, Laura H. Greene, president-elect of the American Physical Society told The New York Times.
At present, 15 Chinese cities allow a 72-hour visa-free entry for nationals of certain countries. Shanghai, Jiangsu and Zhejiang offer 144-hour visa-free stays for international transit passengers from certain countries.

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

Boston Consulting Group could also be poised to make a change given its managing partner, Richard Lesser, is due to come to the end of his second term in October. His future is unclear, however, as the firm declined to comment on its election process or how many terms its leader can serve.
8. It’s never too late to start.

“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.”

《佛罗里达乐园》
勉强能。民主党需要再赢得24个席位,这意味着他们需要守住特朗普去年胜选的全部12个民主党选区,并拿下23个在大选中投票支持希拉里克林顿(Hillary Clinton)的共和党选区,另外再添上一两个选区。算起来形势对民主党不利,但从历史先例来看形势有利于民主党。历任总统所在的政党几乎总会在中期选举时丢掉一些众议院席位,有时丢得还挺多,特别是当在位总统的支持率低于50%的时候。看一看2010年的巴拉克奥巴马(Barack Obama)就知道了。

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. 

我是否工作太辛苦了?花时间重新调整一下,花时间做令你愉快的事情是非常重要的。必要时释放你的欲望,从工作或学习压力中解脱出来,给自己时间去自由呼吸,即便一次只有几分的时间。
15. 有趣的巧合。环球影业是题材最具多样性的制片公司之一,它发行了《生活残骸》,也发行了《冲出康普顿》,还有《泰迪熊2》(Ted 2)。环球影业的女导演也是最多的,12月初,它占据了今年24%的市场份额。
在桑迪飓风登陆新泽西Mantoloking之后的早晨,洪水包围了Mantoloking大桥附件的房屋。
包括中国移动、阿里巴巴和腾讯的16家中国企业进入了该榜单的前100名。

The Bottom Line: Leave Your Retirement Money Alone

与IBM合作,将iPad和iPhone销售给大企业客户,只是苹果在库克领导下打破自身藩篱的一个例子,而这是乔布斯一直不愿做的。
8.表达感激之情
While 17 per cent of graduates rated starting a company as joint most important reason, only 2 per cent of them saw it as their main sole ambition. However, entrepreneurship is clearly growing on them, as more than a quarter of graduates (26 per cent) reported starting their own company during their EMBA or since graduating.

THE NIGHTLY SHOW WITH LARRY WILMORE (Comedy Central, Jan. 19) Mr. Wilmore’s topical comedy show replaces “The Colbert Report” at 11:30 p.m. and represents the latest opportunity to introduce some diversity to late-night programming. No pressure there!
Bored with your day-to-day life? It’s time to go on an adventure and refresh yourself! The Antarctic is undoubtedly a good choice. Watching native penguins playing and seeing millions of seabirds flying across the sky is much more exciting than watching TV documentaries. Imagine how cool and fascinating it is to be in a world of majestic icebergs and unexplored mountain ranges. But remember, it’s a polar region, so prepare well before you set off. Insulated boots, warm coats, gloves, wool socks and hats are a must.

As financial advisor Taylor Schulte of the 家居品牌撞脸成风 面对“重名”需留心 points out, the math is simply not in your favor if you withdraw from your 401(k).

n. 初次登场,首次露面 v. 初次登场
The official Facebook page for students admitted to join the Harvard Class of 2021 warns students that "Harvard College reserves the right to withdraw an offer of admission under various conditions including if an admitted student engages in behavior that brings into question his or her honesty, maturity, or moral character".
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Hillary Clinton and Donald Trump can look forward to a presidential salary of $400,000 if they win in November.

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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.