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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.

这让11月份的贸易顺差达到446.1亿美元,比10月份减少约44.5亿美元,低于预期。
The number of such applications in Beijing last year increased 426% from that of 2015.

But what drives the underlying optimism or pessimism? Koudijs, working with Hans-Joachim Voth at the UniversitatPompeuFabra in Barcelona, found surprising answers.
This year's lift was slower than the 6.5% rise in 2016, which is attributed to moderating economic growth and a rapidly aging society.
Exports fell 6.6 per cent year-on-year in January to Rmb1.14tn, following a 2.3 per cent gain in December. Economists expected a gain of 3.6 per cent. It was the biggest fall in exports since an 8.9 per cent drop in July last year.
Making Airbnb go away might not be so easy. A recent Quinnipiac poll found that 56 percent of the responders thought New Yorkers should be allowed to rent rooms out to strangers. “We don’t want to turn into hotels, but at the same time people want to rent out their apartments sometimes,” said Paul R. Gottsegen, the president of Halstead Management Company, which manages 250 residential properties in the city.

CARES Act 401(k) Loan and Withdrawal Changes

'How do I explain the fact that I got a GQ Man of the Year award and no women's magazines and no women's organisations have supported me? — 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.

Piggyback riders are designed especially for small children and toddlers, to lessen the parents’ struggles.
WTF.1: Next Level of Working Moms
Frederickson说这样做会让你赚到一些钱,结交一些新朋友。也可以锻炼一下你在失业期间可能会生疏的一些技能,比如:做事要快,多任务同时进行,迅速而出色地回答问题等。

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 中共中央办公厅 国务院办公厅 印发《关于促进小农户和现代农业发展有机衔接的意见》, the rules relating the CARES Act changes are totally different. 

According to the 7月二手住宅中介网签量为7571套,环比下降2.5% 市场胶着状态更趋明显, 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.

4.Autonomous Cars
在最初的角色分配中,由迈克尔·基顿来扮演这个角色。不料,美国广播公司的高管们恳求编剧和制片人让杰克活下来,他们认为这个角色太讨人喜欢了,不应该这么快就被安排死去。编剧最终同意了。迈克尔·基顿并不想签约一部长篇电视剧,便由马修·福克斯代替他来扮演杰克的角色。接下来的电视剧情便众所周知了。
当你和他/她打电话打到很晚,他/她挂了电话,你仍然想念他/她,即使电话只挂了2分钟

“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.”

bene好,fit做-做事后的好处
9.The Bling Ring
追踪制造业、服务业和建筑业商务活动的官方指标显示,10月份这几个驱动中国经济的关键行业的增长有所放缓。

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. 

当年辛普森(OJ Simpson)杀妻案的审判就说明,再也没什么能比谋杀和名人的组合更能引发公众的集体亢奋了。再加上253号班机爆炸未遂案、几十个恐怖分子、审判律师、公诉人、政客以及911遇难者家属的激动情绪,足够在你面前上演一出长得如同滔滔江水延绵不绝的连续剧。
你可能觉得夏威夷航空的运营相对容易,因为该公司的航班很少遇到美国大陆那种恶劣的天气条件。夏威夷航空公司在航班准点率排行榜上常年位居前列,在9月份最新公布的榜单上创下最高准点率。夏威夷航空公司最近宣布将把业务拓展到夏威夷岛外,开通从檀香山到北京的直达航班。

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. 

马纳尔·阿尔-谢里夫最有名的,是挑战她的祖国压制女性的法律和习俗。
China's movie box office revenue grew 9 percent to $8.9 billion (RMB 60.98 billion) in 2018.

出演《美国队长3:英雄决裂》的斯嘉丽-约翰逊排名第三,收入为2500万美元,比去年下降了近30%。
但行业观察人士说,这样的观点忽略了一个中国在创新方面与西方竞争对手直接对峙的领域:让中国版本更具互动性、使用起来也更有趣的那些额外功能。

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

7. Am I working too hard? Taking time to re-charge and spend time on activities that make you happy is so important. Honor your desire to pull back from work or school pressure when needed and give yourself time to breathe, even if it’s only for a few minutes at a time.
This is second major English-language role for the French actress, who co-stars opposite Daniel Craig in Skyfall as the enigmatic Severine. The movie opens Nov. 9 in North America but already is shattering records internationally.

“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.”

获奖者:哈里王子殿下
The official Facebook page for students admitted to join the Harvard Class of 2021 warns students that "Harvard College reserves the right to withdraw an offer of admission under various conditions including if an admitted student engages in behavior that brings into question his or her honesty, maturity, or moral character".

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. 

Lawrence Yun, the trade group's chief economist, expects the average 30-year fixed-rate mortgage to hit 5.5% at year-end, up from 4.5% late last year and 3.5% in the first half of 2013. That's a sharp runup in a short period of time, one that could harm affordability and spook even more buyers.
found(v 建立;使有根据)作为词根表示:底部
8. You left your résumé in the freaking printer!
The soccer robots were built by around 1300 contestants that came from countries as China, Japan, The United States, Germany Portugal and Iran. The robots were programmed not to be controlled by any human. The robots played autonomously in teams of five robots.

The Bottom Line: Leave Your Retirement Money Alone

v. 强调,着重
共和党候选人时常表现出不确定以及偶尔会忘了自己要说的,好像在试图记住他的简要笔记。当奥巴马从一开始就咄咄逼人时他开始出汗,在伊朗、伊拉克、俄罗斯以及美国的军费开支的交流中他才表现得更好。
Olive Yang

担忧是围绕向下流动(downward mobility)和文化变迁,而愤怒是针对移民和冷漠的精英。
时间:2011-03-28 编辑:beck

As financial advisor Taylor Schulte of the Ashley计划以30亿美元出售 欲在亚洲开设千家门店 points out, the math is simply not in your favor if you withdraw from your 401(k).

Here's a look into social media's crystal ball for 2014. Will Snapchat catch fire? Will those annoying Promoted Tweets keep invading your Twitter stream? Will your boss finally learn to tweet? These five trends are poised to shake up the industry and the way we use social media in 2014:
His eloquent defence of equality came after a year of faltering progress on gay marriage in the US and as arguments rage about the lack of diversity among the people running the Silicon Valley companies, including Apple, who shape so much of our culture.
adj. 相同的,同一的
Although various public incentives exist, many come in the form of tax breaks, low-interest loans or rebates. So a building might have to levy an assessment or raise maintenance to cover initial costs. “You run into the problem of nobody giving you the money upfront,” Mr. Luxemburg said.

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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.