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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.

尽管中国的私人财富大幅增长,但中国的亿万富豪仍未跻身全球顶级富豪行列。胡润估计,中国首富、万达集团(Wanda Group)掌门人王健林在全球富豪中排名第26位。
3. In Cannes, they speak English

In a sign that civil service jobs may be losing their appeal, a report issued by recruitment website Zhaopin in late March said more than 10,000 public sector employees, including civil servants and staff members at public institutions, had submitted their resumes to potential employers through the site in just two months. The number was 34 percent higher during the same period last year, the report said.
9.The Discovery of a New Planet
Quiz
美国电影学会选出了十部本年度最佳电影和电视剧。这些影片排名按字母表顺序排列,美国电影学院评审团选出这些影片的标准是促进了活动图像的艺术化、提升了美国艺术形式文化遗产的魅力、对观众和艺术者有所启发、在美国社会上占有一席之地。

CARES Act 401(k) Loan and Withdrawal Changes

We will endeavor to transform and upgrade traditional industries. — 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.

单词predecessor 联想记忆:
On Monday the research team said the skeleton confirmed that the monarch had severe scoliosis, or twisting of the spine. It may have been painful and caused his right shoulder to appear higher than his left, but there was no evidence of the withered arm depicted in Shakespeare's "Richard III".
但科学研究和技术服务领域企业的高管薪酬却下降了4.2%。

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 一线城市二手住宅价格持续下降, the rules relating the CARES Act changes are totally different. 

According to the 云南九部门重拳整治投机炒房、黑中介等22种违法违规行为, 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 latest list showed that University of Hong Kong ranked third and University of Macao seized the sixth place.
这个M3坟墓还包含有一座古坟,斜坡,密封的门,坟墓入口,屏风的墙,过道,墓室,以及偏殿,研究人员最近在《中国文化遗迹》杂志上写到。
9. Putting Yourself in Someone Else's Shoes Improves Memory

“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.”

佳士得拍卖行声称日内瓦拍卖会有7次珠宝拍卖创下了记录,包括历史成交价格最高的黄色钻石—— 100.09克拉的格拉夫鲜彩黄钻戒指,拍卖价高达1630万美元。
SIZE: 6,364 square feet
斯卡曼德是个魔法生物研究学家。

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. 

时间:2010-05-31 编辑:francie
Frustrated, he invented something that would allow him take a picture of himself: He called it the "extender stick." Since the iPhone really hadn't been invented yet, a small camera was to be attached to one end of the stick. It also had a small mirror in its front so that users could see how they would look in the photograph. He patented the "extender stick" in 1983. The product was mass produced for sale but it was a commercial failure. The quality of the pictures was low. Besides, previous research showed that the women back then were embarrassed by the idea of taking pictures of themselves. The selfie stick was then reinvented by Wayne Fromm in the year 2000, three years before Hiroshi's patent expired. Fromm called his the "quik pod." He believes he is the inventor of today's selfie sticks and has even sued several other selfie stick producers. When asked about Hiroshi's selfie sticks, he said they were "prior art."

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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SplashData的首席执行官摩根·斯兰说:“当你看到‘最差劲密码’榜单上出现‘adobe123’或者‘photoshop’,你就该意识到,在你正在使用的网站或应用上,不该用它本身的名字作为密码。”

The image of a smooth-talking, chain-smoking and sexist James Bond may be a thing of the past as the latest 007 novel gives him a politically-correct makeover.
"The Chinese government, universities and investors have provided a friendly environment for young startups. However, the failure rate of fresh graduates founding startups is still too high due to the lack of experience, resources and networking," said Wang Yixin, a senior consultant at Zhaopin.

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

China’s tourism administration issued a notice on Friday confirming reports that Chinese travellers had been denied entry to South Korea’s Jeju island in recent months for holding incomplete travel documentation. It reminded citizens to “select travel destinations with caution”.
This journey into the mind and feelings of an 11-year-old-girl may be Pixar’s wildest adventure yet. It’s a very funny workplace sitcom (with exuberant, touching performances from Amy Poehler, Phyllis Smith, Mindy Kaling and others), an ingenious allegory of psychological development, and an almost unbearably moving and honest defense of the role of sadness in our lives. (Read the review.)

“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.”

相比之下,十年前名列榜单前20的城市中有6个亚洲城市、10个欧洲城市和4个美国城市。这项调查计算了93个国家的131个城市的生活成本,研究结果用于企业计算转移员工的成本。
根据中国海关总署(General Administration of Customs)发布的数据,12月份以美元计的出口额同比减少6.1%至2094.2亿美元。这一跌幅比经济学家预期的中数多了2.1个百分点,也大于11月份修正后1.6%的跌幅(修正前该数字为增长0.1%)。

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. 

We will promote coordinated urban development above and below the ground, and begin construction on at least another 2,000 kilometers of underground utility tunnels in cities. A three-year initiative will be launched to remove the risk of flooding in highly vulnerable urban areas; and further progress will be made in the development of sponge cities. All these efforts will make our cities more attractive and function better.
尽管外贸额占经济总量的比重逐渐增大,但是相比那些每天都大量采购各种日用品,食品而且随意采纳金融方面建议的欧洲和亚洲的主要竞争者,美国经济更容易免受外部不良因素的冲击,实际上相比与外国的竞争者具有更好的抵御危机的能力。
CONTACT: Staci Donegan and Peter Westley, Celia Dunn Sotheby’s International Realty, (912) 247-2052 / (912) 660-5169; celiadunnsir.com
However, this may be balanced by a decline in European and Chinese investment, with the impact of the latter on global trade heightened if China was to engineer a partial switch from investment in resource-heavy construction to forms of infrastructure spending such as water purification that are not very commodity intensive.

The Bottom Line: Leave Your Retirement Money Alone

54集电视连续剧《花千骨》绝对是刷爆朋友圈热门话题。2015年夏天播出以来,《花千骨》就名噪一时。这部由霍建华和赵丽颖主演的电视剧改编自Fresh果果的同名网络小说。这部改编电视剧颇具美感,中国水墨画风格的外景,加上盛世美颜的男女猪脚,成功吸引了80多万微博粉丝(《花千骨》电视剧官方微博)。该剧2015年6月首播,以女性的视角讲诉了一个孤儿成为女神的心路历程,以及她经历的旷世虐恋。
Unlike many young girls who are starstruck by celebrities, Maddie claims that she keeps a cool head at events like the Grammys because she sees herself as a star, so needs to act accordingly.
全年城镇新增就业1314万人;

北韩已经警告过Park,如果电影穿越边境,将会要他"以命偿罪"。
上周一晚间,在MSNBC的一档节目中,主持人雷切尔·玛多询问前国务卿希拉里,她是否会做出和加拿大新总理贾斯汀·特鲁多今年早些时候类似的承诺?

As financial advisor Taylor Schulte of the 民声热线”关注小区配套幼儿园是否“代建优先”? points out, the math is simply not in your favor if you withdraw from your 401(k).

Ladies and gentlemen, may I welcome you to the Bad Manners Awards 2016?
The ability of customers to air their dirty laundry to the world via Twitter and Facebook has already changed the customer service game. A 2012 Nielsen survey shows more than half of all customers now turn to social media for redress; meanwhile, some 81% of Twitter users expect a same-day response to questions and complaints. But this fall, things got even more interesting: On Sept. 2, British Airways passenger Hasan Syed spent an estimated $1,000 to purchase several promoted Tweets blasting the company for losing luggage. With paid social media now in customers' arsenal, 2014 may mark the beginning of the end of abysmal customer service at major airlines, credit card companies, banks, and other repeat offenders, characterized by endless phone wait times and those automated "phone trees" (i.e., "Press 1 for English, 2 for Spanish, 3 to waste your entire afternoon on hold ...").
201110/156061.shtml
有史以来第1个真正有用的机器宠物

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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.