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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.

去字典里查一下“side-splitting humor”(令人捧腹大笑的幽默感)这个词,你可能会看到《嗨翻姐妹行》的预告片,这是2017年最搞笑的电影,没有争议。
pro在前面+tect盖上+ion→保护

The biggest falls in brand values include oil and gas companies, still suffering from low commodity prices, and banks, which face growing competition from rival payment systems such as PayPal — whose brand value increased by 35 per cent (see story page 2).
另一条推文发表于美国总统就职日,奥巴马称:“能够为你们服务是我毕生的荣幸,你们使我成为了更好的领袖和更好的人。”
Soon after he finished his duties, Sun heard loud voices coming from outside.
This means war: Christopher Nolan's second film not set in the present (or future) is an epic tableau about the rescue of hundreds of thousands of troops from the French coast. Tom Hardy, Mark Rylance, Kenneth Branagh, Cillian Murphy and, er, Harry Styles, star. Think Saving Private Ryan, but saltier.

CARES Act 401(k) Loan and Withdrawal Changes

"All I got was an extra hour on the bus to work, but I can't get a seat at the stadium," she said as she directed cars toward a mall's parking garage in Rio's wealthy southern zone. — 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.

时间:2010-05-31 编辑:francie
据《新京报》报道,今年我国高校毕业生达765万人,创历史新高。此外,中职毕业生达435万人,应届毕业生总人数达1200万。
最流行的整形手术包括双眼皮手术——通过减少上眼睑多余的皮肤来使双眼看起来更大,抽脂手术——运用高频声波来减肥,以及鼻子整形手术。

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 依托城市群发展加快县域经济转型升级步伐, the rules relating the CARES Act changes are totally different. 

According to the 顺义区融媒体中心挂牌成立, 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.

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周四,胡润研究院发布了品牌榜单,估价447亿美元的腾讯成为今年最有价值的中国品牌,这是腾讯连续第二次位居榜首了。
库克决定通过增加派息和回购股票扩大其现金返还计划,帮助缓和了与维权投资者的关系。目前它总共向股东返还现金940亿美元。最终,库克以足够的坚忍抵挡住挑战,迎来了iPhone又一波增长捷报,以及从乔纳森?艾夫爵士(Sir Jonathan Ive)的设计室诞生的新产品。

“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.”

Technology and telecoms are on the up as are some fast food companies, including Starbucks, which BrandZ puts in this category, and McDonald's, whose brand value is risen by nine per cent even though its ranking is unchanged.
Las Vegas Shooting
上周,希拉里的竞选团队负责人约翰·波德斯塔表示,希拉里很可能会挑选一名女性作为她的副总统获选人。很快有人猜测,为了吸引女性选民,她的竞选伙伴很可能是马萨诸塞州参议员伊莉莎白·华伦。她是一名非常受女性欢迎的、激进的参选者。

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. 

But that kind of emotional identification gets lost on the runway, and the retail floor. And then we are left with what?
2. Wells Fargo

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. 

反对:《请以你的名字呼唤我》在很多方面的表现都很不错,但却没有哪一方面是最突出的。也许“甜茶”蒂莫西克莱门特的表演是该片冲奥的最大可能。
On Saturday night they sang Stars from Les Miserables, the song performed the character Javert in the long-running musical.

As for his own education: He's weighing whether to enroll in university in England or maybe the U.S. to be closer to Silicon Valley. Or perhaps he'll skip college entirely and just focus on his work. 'I absolutely want to start another company,' he says. 'Serial entrepreneurs get addicted to creation. I want to be passionate. I feel really bad when I'm not doing something new.'
Coca-Cola cut its sales forecast for this year as it struggles with a consumer slowdown in China, sending the drinks group’s shares down more than 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

If Lloyd Grossman were to go through the keyholes of Oscar winners’ houses, he would find their golden statues in various spots: from prime real estate such as the mantelpiece to the depths of cupboards collecting dust.
Ranking third on our Top-Grossing list is Steve Carell. Despicable Me 2 was a huge hit this year, bringing in $919 million at the box office. Overall, the franchise has earned $1.4 billion at the box office worldwide and a third movie, Minions, is on the way. Carell also appeared this year in the small indie The Way Way Back and The Incredible Burt Wonderstone. The latter failed to earn back its production budget at the box office but we’re only looking at ticket sales here — the film put another $22.5 million in Carell’s column for 2013.

“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.”

Together, the world’s 10 highest-paid actresses tallied a combined $205 million between June 1, 2015 and June 1, 2016, before management fees and taxes, Forbes said.
胡润主席鲁伯特·霍格沃尔夫表示:“这些企业家应该被称为‘超级财富创造者’,而不是简简单单的富豪。他们会对中国社会和经济带来突出的贡献 。”

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. 

2013 Rank: 2
Mila Kunis just keeps on raking in those sexy titles.
Others have come up with some, um, creative ways to say sayonara. When staffing firm OfficeTeam asked about 600 U.S. human resources managers to describe the weirdest ways they’ve seen or heard people resign lately, here’s what they said:
The Turkish president said Angela Merkel, the German chancellor, was “no different from the Netherlands” and urged émigré Turks not to vote for “the government and the racists” in upcoming European elections. Ms Merkel faces a tough re-election bid in September.

The Bottom Line: Leave Your Retirement Money Alone

一项关于“双十一”(光棍节)购物狂欢的评估报告近日在北京发布,在此报告中,提供了对中国最大的年度在线购物活动的独特见解。
上述消息源还称,苹果将在明年10月发布一款12.9英寸的平板电脑,“目标消费群是北美的教育市场(和)……生产商是广达电脑(Quanta Computer)”。有报道称,三星也在研发尺寸在12至13英寸之间的平板电脑,而现在看来,“这些大尺寸平板电脑将极大地影响超极本需求”几乎是板上钉钉的事了。新款“iPad Max”,搭载整合了键盘和电池的新款外壳之后,实际上就是一台笔记本电脑,很有可能在高中生和大学生之中成为主流产品——这一人群需要比现有iPad和iPad Mini产品更好的内容创造工具。
Will emerging market GDP growth pass 5 per cent

Qatar University claimed the most international institution, marking the first time a Middle Eastern university has topped the list.
The relatively stable global outlook must continue if 2014 is to be the kind of economic year Americans have been hoping for throughout the recovery.

As financial advisor Taylor Schulte of the 雄安新区住房将租售并举 points out, the math is simply not in your favor if you withdraw from your 401(k).

同样令人震惊的是百日咳的发病率上升了59%,而百日咳是一种半个世纪前的综合免疫接种计划没能彻底消灭的疾病。
它还体现在萝塞拉·亚尔迪尼(Rossella Jardini)为莫斯奇诺(Moschino)设计的2009年春夏系列的蝴蝶结和宽松裙子上以及以玛丽·匡特(Mary Quant)为灵感的2013年春季系列中。
A network of walking and biking trails leads to other lakeside neighborhoods and to downtown, which is about 15 minutes by bicycle and 10 by car. The Walker Art Center and other museums are nearby. Hockey and skating are popular on the lakes in winter; canoeing, swimming and fishing in the summer.
thoughtful

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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.