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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.

'This child is going somewhere big, you mark my words.'
两岸是骨肉同胞,血浓于水,不管岛内形势如何变化,都割断不了两岸的亲情,也改变不了我们维护两岸关系和平发展的决心和诚意。

我们不妨借用一些狄更斯的名句,来回顾下几乎各种战略都失灵的2014年:
欧洲出现了债务危机。日本面临自然灾害。曾经是全球亮点的新兴市场也失去了光芒。近来意大利、埃及和泰国等国频现政治危机,这或许表明全球市场可能将出现新一轮动荡。
o Battery power may turn out to be a transition technology. Cost reductions have been slow in coming, and Tesla needs a 30% improvement in order to build the $35,000 Model 3 it has promised for 2017. Toyota’s recent move was eye-opening. It is allowing a battery-supply deal with Tesla to expire and instead will redouble its work on hydrogen fuel cells. The cost of fuel cells is coming down faster than batteries and fuel cell proponents believe drivers will prefer a relatively rapid refuel with hydrogen to waiting hours to recharge their batteries.
尽管金融行业整体趋势向上,但相较于男性,女老板执掌的企业筹得的资金历来处于落后状态。例如,2013年上半年,寻求融资的企业中,老板是女性的企业仅占16%,而其中又仅有24%的女性接受了天使资金。Plum Alley是一家为女性创业者提供在线商务服务的平台,最近该公司推出了一个专注于帮助女性创新者推进到下一个事业阶段的众筹平台。作为呈现爆炸式增长趋势的众筹领域(预计明年规模将达到39.8亿美元)中的首个此类平台,我们应该能看到Plum Alley在未来一年中在女性创业领域扮演重要角色。

CARES Act 401(k) Loan and Withdrawal Changes

A minimum of 70 per cent of the con-tent must be delivered online in order for programmes to be eligible for the online ranking. Nine out of the 15 ranked schools had no requirement to study on campus at all. The remaining six schools insisted their students attend weekend or week-long residential classes. — 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.

undeniable
另一方面,10月份工业生产者出厂价格(PPI)连续第3个月同比下降5.9%。
Murietta belonged to a gang known as the Five Joaquins, who were notorious bandits during the height of the California Gold Rush. While Murietta's criminal activity likely did not have any political undertones, he nonetheless became a symbol of Mexican resistance as American settlers ventured to California. Unfortunately for him, this pushed the government to put a bounty on his head, leading to his murder and beheading. Luckily, Banderas's character didn't fall to the same fate.

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 东莞家具厂转型尝试:把家具店开进咖啡馆, the rules relating the CARES Act changes are totally different. 

According to the 天津170万平米公建节能改造 年内完成全部任务, 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.

罗宾哈丁(Robin Harding)
《大唐荣耀》全剧共60集,改编自2007年出版的小说《大唐后妃传之珍珠传奇》。该剧主要讲述了女主沈珍珠和丈夫的爱情故事,以及他们为保护国家付出的努力。
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?

“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.”

Alice Schwarzer
X-Men: Apocalypse is said to hit theatres on May 27, 2016.
Christine Lagarde, managing director of the International Monetary Fund, said apart from the recovery she expected this year, she was concerned about two other “Rs”. The first was “risks” where she thought some old risks such as the need to finalise financial sector reforms were as important as risks over US tapering, and new concerns such as deflation in the eurozone.

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. 

蒋依依说,2013年人民币兑美元汇率上涨近3%,使北京成为了一个更加昂贵的旅游目的地。
The joint Sino-American programme delivered by the Hong Kong University of Science and Technology and Kellogg School of Management has returned to the top of the Financial Times ranking of the best 100 MBAs for senior executives.

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. 

法国当局十二月发表声明,他们已经取缔了十几个向人们发布去伊拉克和叙利亚作战的网络。
在周二发布的一份研究报告中,行业组织国际金融协会(Institute of International Finance)经济学家罗宾?克普克(Robin Koepke)表示,投资者、新兴市场政策制定者以及美联储自身都忽视了美国利率在引发新兴国家汇率、银行及债务危机方面的作用。

Data from the Ministry of Industry and Information Technology showed the production of new-energy vehicles last month surged by 144 percent year-on-year to 16,100 units, and the output of fully electric passenger vehicles tripled from the same period last year, reaching 7,952 units in January. Official data showed that 97 percent of new-energy vehicles produced in January would be eligible for favorable taxation policies.
We learned that animals may make choices based on aesthetics.

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

神经系统科学家发现了小脑的一项全新功能。长期以来人们一直认为小脑基本上与意识直觉等活动无关,它的主要作用是协调站立、呼吸等基本的身体活动,然而,实际上小脑在影响人类行为上也发挥着重要作用。
不会。结束罗伯特穆加贝(Robert Mugabe)长达37年的执政(军方在这件事上也帮了点忙)后,埃默森姆南加古瓦(Emmerson Mnangagwa)承诺在2018年举行自由选举。这引出了一个问题:他可能会输掉大选。他至少要装作选举是公平的,因为他需要政治献金来扭转经济。这将意味着要推行选举改革——可能会让其不受欢迎的非洲民族联盟-爱国阵线(Zanu-PF)输掉选举。即使姆南加古瓦准备好在选举中赌一把,还不清楚军方愿不愿意。已经把自己的人推上台的津巴布韦将军们,不太可能会容许公众再把他踢下去。

“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.”

这也是这座大都市连续第8年保持全国最大消费城市地位。
报告指出,2016年中国网民数量增加了4299万人,同比去年增长6.2个百分点,而网民总人数占到了中国总人口的53.2%。

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. 

China's 2016 office box sales are expected to exceed the 2015 total of 44 billion yuan (6.8 billion U.S. dollars), the country's film watchdog said.
The biggest story of the festival had nothing to do with films. It was about shoes. On Tuesday trade magazine Screen reported that a group of women had been denied access to a screening of Todd Haynes' Carol because their footwear – flat shoes with rhinestones – was unsuitable for the red carpet. Further tales came tumbling forth, social media erupted in indignation and soon enough we were soon dealing with a fully fledgedscandale. The Cannes press office rushed out a garbled statement: “Rules have not changed throughout the years (Tuxedo, formal dress for Gala screenings) and there is no specific mention about the height of the women's heels as well as for men's. Thus, in order to make sure that this rule is respected, the festival's hosts and hostesses were reminded of it.” Well, that cleared that up. Perhaps wisely, press screenings are exempt from any dress code: scruffy journalists are free to ascend the Palais' steps in flip flops and trainers.
上海金融学院的研究人员郭峰引用了周二华尔街见闻上的信息并表示,这也是自1978年中国改革开放以来,上海第一次见证了常住人口的减少 。
Going into the debate at Lynn University in Boca Raton, Florida, Obama had an inbuilt advantage on foreign policy and security. As president, with access to daily briefings by intelligence analysts, diplomats and generals, he is better briefed and it showed as he dominated Romney in the first half of the debate.

The Bottom Line: Leave Your Retirement Money Alone

8.Show Appreciation
The theory that exercise boosts your intelligence might have some basis in fact according to a study conducted at Georgia Tech. Even if you don't like lifting weights, and the inside of a gym makes you want to run for the nearest doughnut shop, it might take just 20 minutes to enhance your memory, according to the 2014 study. Researchers asked participants to work out for 20 minutes in an intense manner and found that just 20 minutes of activity could help improve "episodic memory" by as much as 10% in young adults.
质量强国、制造强国

“有个人离职时给全体员工群发了一封邮件。”
另有其他四部国产电影挤入榜单前十位,排名第三的是《羞羞的铁拳》,第四名为《功夫瑜伽》,第五名为《西游伏妖篇》,第八名为《芳华》。

As financial advisor Taylor Schulte of the 陆昊要求:加强国土空间规划管控 减少地质灾害危害 points out, the math is simply not in your favor if you withdraw from your 401(k).

北弗罗里达大学的一个有趣的实验证明光脚跑步比穿鞋跑步更能提高记忆力。和那些在实验室和室内坐在桌子边进行的试验不同,在这个实验中,研究人员们引入了一些有趣的观点来探索提高记忆力的奥秘。实验的研究对象为“工作记忆”,即人们加工信息和回顾生活细节的能力。科学家们发现,光脚跑步比起穿鞋跑步来说,可以对记忆力产生轻微的提高。在试验中,年龄为18-44周岁的参与者们被要求跑两轮,一次穿鞋,一次不穿鞋。
QuikTrip:“糖果摊”
在发达国家低利率和中国对大宗商品旺盛需求助燃下实现的多年增长被认为正在结束,导致国际清算银行(BIS)的经济学家警告,随着借贷成本上升,将会出现负面溢出效应。
Fudan University and Peking University, two prestigious comprehensive universities in China, were ranked fourth and sixth on the salary ranking, while the remaining of the top 20 were dominated by finance/economics and science/technology schools.

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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.