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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.

IFAD称,汇款总额在2017年有望达到4500亿美元,在过去十年里,这个数字增长了超过50%。
n. 毂,木片,中心

3.Flying Bicycles
传统上,在教学和研究水平方面,中国大学在国际排名排行榜上的评价要比美国和欧洲的高校逊色一些。
在排名靠前的学校中,英国华威商学院(Warwick Business School)排名提升最大,从第16位提升至第9名。整体而言,上海交通大学(Shanghai JiaoTong University)的上海高级金融学院(Shanghai Advanced Institute of Finance)排名提升最大,从第28位提升至第14位。
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CARES Act 401(k) Loan and Withdrawal Changes

贝南克(Bernanke)说今年晚些时候的经济将会走强,所以到时候他可以松开油门,也就是“在今年晚些时候开始减弱刺激性的量化宽松(QE)计划”。对此麦嘉华(Marc Faber)笑了。没错,他笑了。 — 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.

这部电影也是为了纪念2005年电视剧发行十周年而拍摄的。
Coca-Cola said that the consumer slowdown in China had hit sales, and weaker demand was forcing it to drive down inventory.
“The headwinds that Chinese banks face will last for a long time,” he said. “In addition to lower sources for profit, they will also have to prepare themselves for losses on bad loans.”

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 精彩回顾:2016家居建材行业大事件, the rules relating the CARES Act changes are totally different. 

According to the 未来木门行业四大发展主题:国际化或成木门业的必经之路, 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.

高效老板和经理们趋向于:
Though bionic legs are of course a huge boon to amputees, they lack actual nerve connections with the body. As a result, walking on them is cumbersome and tiring. But last year, Seattle resident Zac Vawter was outfitted with the world's first thought-controlled leg, a bionic limb that takes signals directly from his mind.
vi. 谈话,讲述

“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.”

2. 美国页岩油。截至2014年底,美国页岩油日产量已经超过900万桶,比2007年增加了80%。这些页岩油是造成石油供给过剩的主要力量,而供过于求是2014年油价暴跌的诱因之一。总的来说,美国页岩油开采公司都搬起石头砸了自己的脚,但关键在于,西德州轻质低硫原油(WTI)价格跌破60美元对它们有何影响?页岩油钻机数量不断减少,相关开支也遭到削减,然而到目前为止,美国页岩油产量依然稳定。按照当前油价,这个行业能否维持产出水平,或者说美国页岩油产量会不会减少将对国际市场供应乃至油价产生重大影响。
Of the 6,527 new rentals scheduled to hit the market in Brooklyn next year, 1,442 are in Bedford-Stuyvesant, Bushwick and Clinton Hill, all considered off the beaten path not that long ago, according to data provided by Citi Habitats.
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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. 

"To make the world a better place, I invented a transformative water purifier," Google quoted Zhang as saying. "It takes in dirty and polluted water from rivers, lakes and even oceans, then massively transforms the water into clean, safe and sanitary water. When humans and animals drink this water, they will live a healthier life."
6.You Spend Time Looking For Other Jobs

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. 

‘Law & Order: SVU’ This NBC ripped-from-the-soap-opera perils of Olivia (Mariska Hargitay) — psychopath rapist-stalker, tortured love affair, new baby — that took up so much air last season finally died down, and this season, the show’s 16th, the detectives got back to sex crimes à clef, including a Ray Rice-inspired episode about a star sportscaster who was seen on a surveillance camera punching the lights out of his wife.
“研究数据时,我不断回到这个问题上来,它其实是个身份政治问题,”挪威卑尔根大学(University of Bergen)研究欧洲极右翼党派的教授伊丽莎白?伊法斯夫拉腾(Elisabeth Ivarsflaten)说。“这是民粹主义者获得支持的最有力的征兆。”

周二在上海举办的中国国际机器人产业发展高峰论坛称,2017年,工业机器人的销量和增速均创新高。在这些工业机器人当中,有37825台为国产制造,同比增长29.8%。
有趣的是,“真诚的问候”(unfeigned regards)又重回我们的视野——人们现在可以在印度服务中心的邮件上见到这一18世纪末的流行语。而更胜一筹的是这个签名,一个周五我收到了一则消息,末尾处写到:“周末好”(weekend well)。我差点将最佳名词使动用法奖也颁给它,不料最后一刻却杀出一匹黑马,一位顾问无意中说了句:“我们能把那件事冷毛巾一下吗?”(Can we cold towel that?)

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

经济运行缓中趋稳、稳中向好;
There are no such circuit breakers in Hong Kong where the H-share index of mainland equities fell less than 4 per cent on unremarkable volumes. One might have expected more of a bloodletting. Mainland retail investors participate in both markets — a function both of Stock Connect and a leaky system — and if you can’t sell what you would like, you sell what you can. Foreign H-share investors too might be presumed sellers, having been the most bearish on China’s economy. Yet yesterday, even as Shanghai opened down a further 3 per cent (before rebounding), Hong Kong’s H shares remained resilient.

“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.”

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Grab your rolling bag, and pack your patience. The holiday air travel season is about to begin. And if you want to have a stress-free trip, the best advice we can give is to fly west.

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. 

Producing fake data, it appears, is condoned at official levels. Publishing real data lands you up in court. Much more of this and the public will be right to lose trust in official statistics.
当我想要对一个机会大声喊“No”时,这往往是个信号,提醒我还有一个答案或许该是“Yes”。如此一来,我会深呼吸一下,然后尽量客观地分析现状。
For starters, breaches like that of Bitstamp and the much larger (valued at about $400 million at the time) 2011 hack of the exchange Mt. Gox are often misconstrued as security issues with the currency itself. But they are only signs of flaws in those particular exchanges and not a sign of an issue with the underlying technology. And it is the underlying technology behind bitcoin that most excites. As we wrote in the “Shape the Future” package of our January 2015 issue, most of the vocal enthusiasts so bullish on bitcoin—from big-name entrepreneurs like Marc Andreessen to the developers and miners who spend their days refreshing the bitcoin Reddit page—are more interested in the applications that can be built on bitcoin’s “block chain,” the currency’s foundational backbone, than they are in bitcoin as a monetary system. The block chain allows the secure exchange of any form of value between two entities.
The sales volume peaks at around 15 million per day, with nearly 700 tickets sold in every second.

The Bottom Line: Leave Your Retirement Money Alone

谷歌和亚马逊分居第二、三名。
……又唱又跳,希望能得到工作。
In reality, bitcoin displayed major momentum in the last year as both a technology and a movement, and looks poised to convert more skeptics in the year to come. The metrics in a range of areas prove it: the number of bitcoin-related startups and jobs has boomed; the number of accepting institutions has bloomed; and activity among developers is greater than ever.

Maryam Sharif
单词retreat 联想记忆:

As financial advisor Taylor Schulte of the 燕郊楼市回温 二手房挂牌价每平方米涨超千元 points out, the math is simply not in your favor if you withdraw from your 401(k).

Singer Susan Boyle came undone -- literally, when her trousers popped open at a soccer match as she waved a Celtic fan above her head in Scotland. The "Britain
Télécom Business School in France and Prague’s University of Economics have the most gender-balanced faculty, with exactly 50 per cent women, while Switzerland’s University of Zurich is the least balanced, with only 9 per cent. Switzerland’s IMD has the most international faculty, with 94 per cent of them from overseas, while faculty at Politecnico di Milano School of Management are all Italian.
Besides exploring the overall ranking, prospective international students can narrow their search by browsing regional and country rankings. These rankings were determined solely by how schools performed in the overall list.
而诺贝尔物理学奖则颁给了三位生于英国、目前正在美国工作的科学家,肯定了他们对极端状态下物质的特异属性所做的原子级研究。

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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.