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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.

对于韩国部署萨德的决定,中国政府已经以越来越大的愤怒加以回应。尽管韩国坚称该系统旨在保护韩国免受朝鲜导弹的打击,中国却担心该技术会令这个美国的盟国查探中国的军事动向。
Simply bend one end of the product around yourself or the back of your seat and bend the other end into a secure position for your head. You can even use the hand to hold your device for movie time.

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埃伦?约翰逊?瑟利夫2005年成为非洲第一位民主选举产生的女总统。挪威诺贝尔和平奖委员会赞扬她打破种族和宗教界限,帮助结束了利比利亚的内战。
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o Tesla is a car for rich people. With an average price of $85,000, it is safe to say that few Tesla owners are buying one to save money on fuel, and the car’s range limitations mean that a Tesla is never the only car in an owner’s garage. At some point, these same people will stop viewing Tesla as the flavor of the month, its order backlog will shrink, and Tesla will have to scrap for sales like other manufacturers.

CARES Act 401(k) Loan and Withdrawal Changes

Weaker demand from emerging markets made 2015 the worst year for world trade since the aftermath of the global financial crisis, highlighting rising fears about the health of the global economy. — 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.

4. No talking during the game, wait for half-time or end of the game.
One fifth of the rich in the 500 list are from the information technology industry, and capital players are fading away from the list.
乔布斯在苹果全球研发者大会上手持iPhone 4 ,2010年6月7日,旧金山

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 国税总局:积极推进房地产交易合同网签备案信息 不动产登记、交易信息共享, the rules relating the CARES Act changes are totally different. 

According to the 广州商品房预售合同纠纷增长明显 “双合同”维权渠道不通, 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.

5. You're taking four-hour lunches and have way too many dentist appointments。
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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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“Even though I’m an engineer and an analytical person at heart, the most important decisions I’ve ever made had nothing to do with any of that,” he told an interviewer at Duke University, where he studied for an MBA, last year. “They were always based on intuition.”
“当她穿着华丽的衣服站在舞台上,她神采奕奕的表情对我来说是无价之宝。”

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. 

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Every point we think we've reached where James cannot be better than he has been, he then blows past it like a poor center switched onto him. What will be discussed most is his all-encompassing skill, but this is also a testament to the work that James puts in. You can mock all those Instagram videos he puts up, but those are the real reason he's still able to do this; James has never cheated the game, not a day in his life, and the result is incomparable performance night in and night out.

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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I’m not saying you should blindly accept everything that’s offered to you, it’s okay to take time when considering the pros and cons of an opportunity. But, when you find yourself leaning toward “No,” you owe it to yourself to be sure that you’re turning down the opportunity for a valid reason, not just out of fear.

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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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“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. 

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The incomes of graduates from universities listed in China's 211, or 985 key university national projects are far ahead of those from ordinary universities, the survey found.
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The Bottom Line: Leave Your Retirement Money Alone

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As financial advisor Taylor Schulte of the 专家:中国房地产高增长阶段已义无返顾过去 points out, the math is simply not in your favor if you withdraw from your 401(k).

由人社部社会保险事业管理中心近日发布的这项报告显示,企业职工养老保险基金的收益率达到3.1%,创6年来新高。
More provinces are falling in situations where the pension fund cannot cover the expenditures. As one of six provinces with the problem last year, Heilongjiang's enterprises pension can only pay up to one month.
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The Sixers are still slowly pivoting from a full-on institutional tank job to trying to be competitive, and the Suns are not expecting to be anything like good. So those two teams are quasi-tanking. They are, at least, not mad about losing.

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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.