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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.

指数:96.6
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今年中央各部门及下属部门的招考岗位达到27,817个,创下历史新高。
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Elsewhere, Australia recently introduced reforms that have increased transparency around fund pricing, which has driven rapid growth in ETFs.
据中国海关总署公布的统计数据显示,2016年中德外贸总额达到了9991亿元人民币(约合1453亿美元),同比2015年增长了2.6个百分点。

CARES Act 401(k) Loan and Withdrawal Changes

读:游艇 — 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.

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It’s been one of the worst years for investment decision-making on record, almost across the board. No strategy worked consistently, save for the type of shareholder activism that only a handful of Wall Street’s billionaire titans are able to engage in.
Qube会提醒你注意垃圾回收,在垃圾最后被倒出来的时候进行监控,并告诉你更换空气清新剂。但这些人们通常可以通过嗅觉和其他感觉器官来判断。现在有一个300美元的“优雅”不锈钢,会不断用讨人厌的移动警报提醒你。

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 松下主攻欧洲LED照明市场 到2018年扩至360亿日元, the rules relating the CARES Act changes are totally different. 

According to the 70城房价环比全止涨 楼市政策托底力度将加大, 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.

库苏马诺教授认为,这一切都表明,苹果正在加大开放度,包括允许开发者对其iOS软件进行更多定制。
The attitude of the founder will set the tone for the business. Negativity, laziness and entitlement waste time and money while they tarnish your reputation. Success largely depends on making mistakes and accepting blame in stride. Owning up to and facing challenges head-on is what makes a mere business owner a leader.
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“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.”

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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. 

一些银行仍然给予股东高额回报。中国招商银行十分“大方”,其分红占净利润的30.16%。
Children show “Paper-cutting Flowers” (China Southern Dance School under the China Dancers Association)

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. 

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3.Pay no attention to those bow-tied etiquette experts you sometimes see on CNN International, telling you how to behave while in Britain. These people are generally of dubious provenance, normally live in California and tend to peddle advice that is either irrelevant or out of date. For example, they will often say that Britons love queuing and are so fond of apologising that they will often say "sorry" even when something isn't their fault. In reality, Britons are just as likely to jump to the front of a queue and then punch the person behind them for coughing. It all depends on how muggy it is.

芯片的零售价为150美元,但一次只能烤四寸的饼干。如果你用传统的烤箱,在烤箱烤一大批饼干,你也能在30分钟内烤完8到12块饼干,也更加便宜。
Wang Rongzhen在采访中表示,“我们就是要卖车,如果厂家不提供车型,我们就卖不下去了,也只能退网。”他估计经销商每年亏损300-1000万元。目前,现代汽车在中国有近40家进口经销商,其中30家经销商要求退网赔偿。

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

The inclusion of three turbodiesel engines this year could be considered controversial, especially as diesels remain far less popular in the U.S. than in Europe, where they tend to dominate the discussion. This is the first year in which more than two diesel-powered mills made the top 10 list and ironically two of them come from domestic automakers, including the only current full-size domestic half-ton pickup to offer one, the Ram 1500.
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“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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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. 

A total of 1,300 fugitives suspected of economic crimes, 347 of whom were corrupt officials, returned to China from abroad to face justice last year, according to the country's top discipline watchdog.
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While Switzerland’s University of St Gallen retains the top spot, French and British business schools, with 24 and 18 programmes respectively, are the backbone of the 2017 FT ranking of 95 programmes around the world. More than half of UK schools move up the ranking, compared with one in France. A third of British schools rise five places, in contrast to the two-thirds of French schools that drop five or more places.

The Bottom Line: Leave Your Retirement Money Alone

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GAINS AND LOSSES IN A CHANGING WORLD
Trium’s alumni value studying alongside senior and international classmates. “It allowed us to exchange [ideas] among ourselves and derive as much additional knowledge as [we gained] from the course itself,” says one.

高恩洛夫罗列出一长串有关2014年的坏消息:“2013年一季度GDP年化增长速度为1.8%……向下修正了早前增长2.4%的估计……一季度的惨淡增长至少好于2012年四季度GDP 0.4%的增长,但离健康的增长仍然差了很多,经济学家预计短时间内也不会好到哪里去。”对进入2014年的市场来说,这是实打实的坏消息。
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As financial advisor Taylor Schulte of the 一大波城市房价将受影响,这些大城市全面放宽落户条件 points out, the math is simply not in your favor if you withdraw from your 401(k).

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作为2014年资本计划的一部分内容,这家总部位于加州旧金山的银行表示将把股票回购量增加3.50亿股,总额达到近170亿美元。它还将派息提高约17%,达到了每股0.35美元。

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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.