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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.

Mini-Series or Movie: “The People v. O. J. Simpson: American Crime Story” (FX)
一部富有感染力的、描写一名年轻黑人男同性恋成长故事的影片《月光男孩》(Moonlight),获得2017年奥斯卡(Oscar)最佳影片奖。不过,该片险些与此奖项擦肩而过,原因是在混乱的颁奖现场,此奖项曾被误颁给了《爱乐之城》(La La Land)。

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As E.E. Cummings rightly said, "To be nobody but yourself in a world which is doing its best, night and day, to make you everybody else means to fight the hardest battle which any human being can fight; and never stop fighting."
比蒂还在台上就遣责了这个因为给错信封而导致的史诗级巨大失误,他说他打开信封就看到了“《爱乐之城》中的爱玛?斯通”的名字。
根据欧洲央行的最新预测,迄今难以实现像美国或英国那样强劲增长的欧元区,2016年将增长1.7%。今年欧元区将实现1.5%的增长,得益于量化宽松支持经济。

CARES Act 401(k) Loan and Withdrawal Changes

Some of them still give high return to their shareholders. China Merchants Bank is generous; its dividend reached 30.16% of its net profits. — 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.

这样令人反胃的发现在当地并非第一次。从去年起,位于中越边境的广西警方加强了对走私活动的监察打击力度,并成功突袭七家非法食品加工厂。
Also featured in the 2013 top 10 were Singapore, Zurich, Paris, the Venezuelan capital of Caracas and Geneva.
No. This crisis hit Amsterdam in 1772, after a respected Dutch investment syndicate made a disastrous bet on shares of the British East India Company.

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 一线城市需求依旧很强 京沪房价永远有涨的风险, the rules relating the CARES Act changes are totally different. 

According to the 自如表示稳租金将成常态 九城续约房源租金平均涨幅不超过5%, 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.

11月,由财新网(Caixin)赞助的中国制造业采购经理人指数(PMI)初值为48.6,高于预期的48.3。而10月份该读数则为48.3。读数显示上个月中国制造业活动在继续放缓,不过情况没有10月份那么糟糕。
China’s bid to close its own Asia-Pac deal
《艋舺》:回味残存的青春记忆

“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.”

"We felt very helpless that people thought that the fog and haze were caused by poor-quality oil produced by us." FU CHENGYU, member of the CPPCC National Committee and chairman of Sinopec
8. 亚马逊的自助出版工具
Learn to tweet. Your boss expects it

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. 

Winners: Mavericks
单词affected 联想记忆:

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. 

Christmas arrived on schedule for the U.S. auto industry as a spurt of sales put the wrapping on a surprisingly successful year. Analysts predicted that sales in December could hit a seasonally-adjusted rate of 17 million, which would be the first month at that rate in nearly six years. That would push 2013 sales up to a robust 15.7 million units.
Even for an industry that generally views history as a grab bag of potential inspiration to be dipped into and mixed and matched at will, this has been extreme.

重点单词
In 2016, we've seen a whole lot of new gadgets join the Internet of Things (unfortunately, we've also seen them harnessed by hackers to bring downhuge swaths of the internet). From appliances to clothing, companies really want to sell you the tech that'll make your life "smarter," but sometimes it just makes it slower and dumber. Let's look back on some of the most ridiculous and useless internet-connected gadgets that were produced in the past 12 months.

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

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The January-to-November period in the United States this year was the warmest first 11 months of any year on record for the contiguous states. And 2012 will likely surpass 1998 as the warmest year on record for the nation, according to the National Oceanic and Atmospheric Administration.

“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.”

Best film and best director. Surprisingly, Nolan has never received a directing nomination from the Academy.
Now 12 games into the quadrennial tournament, the World Cup is averaging 3.42 goals per game. Nigeria-Iran promises to bring that average down, but as long there is at least one goal in that game or the United States-Ghana match, the World Cup will head into its sixth day averaging at least 3.0 goals per game. The last time a World Cup averaged that many goals for an entire tournament was 1958 when Pele burst onto the scene and the 12 teams combined to average 3.60 over just 35 total matches.

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. 

adj. 方便的,便利的
US president Donald Trump’s zero-sum, Art-of-the-Deal approach to negotiation will give comfort to old-fashioned incumbents. I am hoping 2018 will provide an opportunity for positive, problem-solving new leaders to emerge. But change could stall if business chiefs, disheartened by the poor quality of political leadership, turn inwards instead.
立场:支持移民改革
根据独立健康慈善金基金的分析,到2021年,医疗预算将持续缩减大概8亿欧元(超过10亿美金),尤其是在性健康和性传染病方面的缩减。

The Bottom Line: Leave Your Retirement Money Alone

于上周二发布的《2016胡润IT富豪榜》显示,排在前50名的中国IT富豪的平均财富同比上涨13%,至创纪录的269亿元。
答:其实我并不怎么关心作品火不火的,就是专注于自己的作品而已。每次我关注的就是要怎样用最好地推进剧情而已。我关注的是行为和故事,不是受欢迎程度。
节目38 歌曲《Super Shero》,S.H.E

节目31 京剧《迎来春色换人间》,于魁智 托马斯(孔子学院学员)
苹果(Apple)正面临着市值跳水的窘境,苹果股价从去年9月至今已下跌了35%。众多卖方分析师纷纷献计献策,现在甚至有人建议苹果推出廉价iPhone。摩根士丹利(Morgan Stanley)公司的凯蒂?休伯蒂对中国这一全球最大的智能手机市场进行了分析,并给大家算了一笔账。

As financial advisor Taylor Schulte of the 家居品牌门店求发展 纷纷设置体验馆 points out, the math is simply not in your favor if you withdraw from your 401(k).

贝拉是该榜单上最年轻的模特,她上个月刚满21岁。
Employment is the foundation of economic development. It creates wealth and it is the major source of household income.
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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.