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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.

拥抱世界
pandemic

就目前而言,虽然偶尔出现一些高价交易(比如大新金融中心、以21亿港元售出的太平山顶豪宅),但整个行业弥漫着广泛的悲观情绪。世邦魏理仕数据显示,今年第一季度房地产业最活跃的部分是写字楼,但交易总量也不过8笔。
从10年和20年的时间跨度来看,地域和资产类别的多元化已经证明对投资回报和风险管理有益。不幸的是,在12个月内,不一定能看到此种战略的好处。在如今这个140字微博消息和2分钟短视频盛行的时代,投资者不能以长期的表现来判断其投资组合的成败,又有何奇怪?
精算师的工作是对风险给出一个经济数值。例如,飓风摧毁一幢临海别墅的可能性,或某养老制度的长期负债。CareerCast.com的出版人托尼李(Tony Lee)说,在一个充满各种自然和人为风险的世界,精算行业正蓬勃发展。他还说,精算师人才目前有很大缺口,所以其薪资还在不断上涨。(据美国劳工部统计,2010年精算师的薪资中值为87,650美元。)
6. Gene therapy comes good.

CARES Act 401(k) Loan and Withdrawal Changes

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。 — 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.

This list is composed of—The strongest, intelligent, desirable, popular, attractive, beautiful, successful women in 2015.
But Huy Vo, a senior specialist in public relations at Hawaiian, said the short flights, which make up half the airline’s routes, aren’t all that easy to operate. “Our geographic location certainly does give us an advantage, as well as our short-haul routes, ” Vo said. “However, the short-haul routes are the hardest to keep punctual, because the hops are very short, with brief ground time between flights, so any delay is difficult to make up.
每到仲夏时节,这家企业数据存储公司就会通过举办“狗狗节”来提升士气。员工此时可带着自己的宠物上班,欣赏宠物商品展销会,当地的宠物美容师、宠物商店老板以及驯兽师都会参展,还可以观赏狗狗才艺表演。在“狗狗节”前一周会有一场彩票抽奖活动,全部收入都将捐献给当地的动物慈善机构。

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 北京新房成交超6000套 二手房价回到历史高位, the rules relating the CARES Act changes are totally different. 

According to the 卫浴电商成果喜人 精准把握卫浴消费趋势且看两点, 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.

A total of 16 Chinese companies are in the top 100 on the list, including China Mobile, Alibaba and Tencent.
Splashdata's list shows that many people use easily guessable passwords. Some other passwords in the Top Ten include "qwerty," "abc123," "111111," and "iloveyou."
This figure marks the highest rate of growth since 2011. As the total annual box office in China five years ago was only 10 billion yuan.

“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.”

今年3月,福特以16亿美元将沃尔沃卖给中国吉利汽车,从此退出豪华汽车市场。虽然这是一个巨大损失——福特11年前购买沃尔沃这家瑞典汽车制造商花了60亿美元——但2009年福特实现了27亿美元的利润,是2005年以来首次盈利。受惠于“旧车换现金”计划(更不要说丰田的加速器问题了),今年2月福特重新占据了美国最大汽车制造商的宝座。这也是为什么福特首席执行官阿兰?穆拉里能够将目光投向国外,如印度这样的大市场,在印度推出了紧凑车型Figo。
Its GDP increased 7.5 percent compared to last year, according to a report by 21st Century Business Herald.
根据两位了解相关计划的人士的说法,中国政府正在禁止中国旅游团体赴韩国旅游,这是对韩国拟部署美制萨德(Thaad)反导系统的最新报复手段。

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. 

5.匈牙利德布勒森
Yes, some molds cause allergic reactions and respiratory problems. And a few molds, in the right conditions, produce "mycotoxins," poisonous substances that can make you sick.

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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5. 地缘政治事件。不久之前,石油供应稍有差池,油价就会飙升。比如说2014年初,利比亚内乱造成该国石油出口中断,油价应声上涨。在伊拉克, 极端组织ISIS领了部分地区,石油供应中断的顾虑也造成油价急剧攀升。然而,自此之后,地缘政治事件对油价的影响大为减弱。2014年最后几周,利比亚再现战事。但市场仅在油价短暂上扬后便把这一问题抛诸脑后。不过,历史一再证明,地缘政治危机是对油价影响最大的短期因素之一。(财富中文网)

自动驾驶汽车:研究人员正在研究能让汽车自动倒车入库的设备,让你甚至不必坐在车里就能完成倒车。这样你就不必在不小心刮蹭到别人的车时,往人家的雨刮器下面留张字条,并附上你的电话号码了。
英国科学家本周一证实,莱斯特市的一个停车场地下挖出的遗骸为15世纪英格兰国王理查三世,这也解开了长达五百年的谜团。

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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Housing advocates worry that if rezoning is not done carefully, communities could quickly gentrify. “Look at what happened in Williamsburg,” said Harvey Epstein, the director of the community development project at the Urban Justice Center, referring to price escalations. “I don’t know why it wouldn’t happen in East New York or the Bronx or in Flushing.”

“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.”

史赛克公司(Stryker)的创始人就是“翻身床”的发明者,借助这个设备,卧床的病人无需挪动身体就能改变在病床上的位置。顺其自然地,这家医疗设备制造商也向自家员工及其家属出借医疗床,分毫不收。
因城施策去库存。

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. 

该调查发现,211和985重点建设高校毕业生的薪酬水平大幅度领先普通高校毕业生。
根据中国商业杂志《新财富》发布的2018年中国富人榜,位列榜单前十大亨的财富总和达1.72万亿元,首次突破千亿元大关,在榜单500位富人财富总和中所占比重达18%。
Her mother Stephanie Boyden, 32, says Bobbi is a 'diva' who runs to the stage when her name is called - and screams when she has to leave.
n. 面具,面罩,伪装

The Bottom Line: Leave Your Retirement Money Alone

中国12月生产者价格指数(PPI)同比下滑3.3%,为自2009年9月以来最大降幅。矿业价格下跌13.2%,原材料价格下跌6.4%。
Those born after 1995 tend to make more varied choices and are likely to combine work with their hobbies.
The Irish. They sing, dance, drink and sing some more. The lads were singing lullabies to a little baby in Bordeaux to try and get it to go to sleep.

PwC公司已为奥斯卡计票并准备获奖信封逾80年,这是奥斯卡历史上第一次出现颁奖时拿错信封的乌龙事件。
“…was checking his cell phone and chewing gum during the meeting.”

As financial advisor Taylor Schulte of the 防范风险 热点城市需积极遏制房价过快上涨 points out, the math is simply not in your favor if you withdraw from your 401(k).

但并非所有记者──比如笔者本人──都认同这个最终评估结果。
Late last year, the World Health Organization declared that Zika virus was no longer a global emergency. But the disease’s effects on babies who may live for decades are only beginning to be understood. In northeastern Brazil, where links between the virus and birth defects like microcephaly were first detected, families struggle to give the best lives possible to stricken babies. Researchers hope to find clues about the virus’s effects on the fetus by studying pairs of twins in Brazil in which one was born with birth defects and the other was not.
That pushed the state share of total investment for the year to date down marginally to 36.6 per cent, still the largest share since 2011 and reflecting the outsize role of government spending in sustaining economic growth during 2016.
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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.