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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.

有抱负的年轻领导人已经更注重利用自己的影响力,而不是试图凭借其职位或头衔所带来的权威来发号施令。很多人已经拥有了领导经验——不是通过在老牌机构中的晋升,而是通过领导自下而上的运动和志愿组织、或是打造自己的初创公司。
一、2016年工作回顾

n. 警戒,警惕
The cemetery was found in the city of Kucha, which is located in present-day northwest China. Ten tombs were excavated, seven of which turned out to be large brick structures.
今年临近尾声之际,欧洲央行在12月3日投票削减其存款利率至负0.3%,并扩大资产购买,使量化宽松计划的规模达到1.46万亿欧元。此举出炉十几天后,美联储(Federal Reserve)自2006年以来首次提高利率,突显大西洋两岸正在推行的货币政策截然不同。
以下是搜索引擎百度公布的在2015年里最受网友关注的十大新闻事件:

CARES Act 401(k) Loan and Withdrawal Changes

自此之后,中国每年都会发布以12生肖属相为主题的农历新年纪念邮票。 — 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.

流通量小也助长了给猴年邮票创纪录的价格。在1980年,只有500万“金猴”枚邮票发行,所以现在非常罕见。
莱昂纳多凭借他在《荒野猎人》中的演出斩获最佳男演员奖项,打败了埃迪雷德梅尼等劲敌。埃迪凭借在《丹麦女孩》中的演出获得金球奖提名。坊间盛传小李子有望在今年夺得他人生中第一座奥斯卡奖杯。
As we pointed out earlier, we've long been able to restore hearing to the deaf, but restoring sight to the blind is a much more complicated matter. When people lose their sight, their retinas no longer send signals from their photoreceptors to their brains. To make an artificial eye, we'd need to understand how the retina processes those signals, and that's a code scientists just haven't been able to crack.

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 北京多数家居建材企业环保不达标 加速外迁进程, the rules relating the CARES Act changes are totally different. 

According to the 2016年互联网家装必须要知道的十大趋势, 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.

“This growth is further backed by Video Editing making an appearance at number 3 on the list with a 19% increase,” the report states, “as video content becomes one of the initial draws and call to actions for most customer-focused websites. Heavy video marketing through social media also increases this demand.”
docu[=doc教]+ment→用来教的东西→文件;证书
After Zhou contaminated the water, one of Zhou's classmates surnamed Tang noticed that the water coming out of the dispenser was milky and had a pungent scent.

“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.”

蓝天在未来不会也不应该成为奢侈品。
Kunis was No. 9 on FHM's list last year.
Rather than strangling the doctor (difficult, due to his injury) Jalava took the corny line as inspiration. He decided to go ahead and actually build a prosthetic finger that contains two gigabytes of digital storage. He can now jack his finger into a computer just by peeling back the nail to expose the USB plug. He can also remove the entire finger at any time and hand it to a friend to use.

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. 

我们要咬定青山不放松,持之以恒为群众办实事、解难事,促进社会公平正义,把发展硬道理更多体现在增进人民福祉上。
I've seen managers not hire a woman because the environment is mostly male, and they're worried that no matter how smart or talented she is, she won't fit in.

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. 

中国国家统计局(NBS)数据显示,今年10月中国工业生产者出厂价格指数(PPI)同比上涨1.2%,这是该指数连续第二个月同比上涨,此前53个月的下跌最终是在今年9月画上句号的。
"What China is lacking is not legislation but strict enforcement."

The local court gave Zhou a lenient sentence due to the teenager's age and frank confession of the crime, according to the report.
9. “Creed”(Ryan Coogler)

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

立场:为禁止员工在家上班进行辩解
The future is always bright if you are an entrepreneur, and the opportunities to create new ventures based on the digitisation of age-old services has a long way to run.

“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.”

Yes. In 2018 President Trump will deliver on some of his protectionist campaign rhetoric by taking punitive actions against China. The most likely triggers for action will be official reports that the Trump administration has commissioned into China’s alleged theft of intellectual property, and its subsidised production of steel and aluminium. The president, spurred on by his trade team, is likely to order retaliatory measures, including tariffs. Whether that marks the first shot in a trade war will depend on how China reacts. A Chinese decision to impose retaliatory tariffs, or to take America to the World Trade Organization, will signal the opening of hostilities.
在主要的美国航空公司中,全美航空公司拥有最高的假日航班准点率,在榜单上排名第五,去年感恩节和圣诞节期间的航班延误率为15.57%。与此同时,计划和全美航空公司合并的美国航空公司(American Airlines)排名倒数第四,FlightAware网站的数据显示,该公司航班延误率达到19.7%。

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. 

The collaboration with business is important, adds Teach First, not just for the funding but to help schools equip students with more of the skills required by modern employers.
The first view is that the price is inherently cyclical. What has come down must go back up again and the deeper the trough the higher the next mountain.
当你走进来的时候,我对你的认识比你的想象中的多。我在网上寻找关于你的资料,利用我自己的关系网来做面试前的背景调查。
尽管报道称,威廉凯特夫妇9月对加拿大的正式访问非常成功,但是,在今后的访问中两人需要注意守时。

The Bottom Line: Leave Your Retirement Money Alone

5. 生活就像一个茶几,上面摆满了杯具和餐具。(杯具是“悲剧”的同音词,餐具是“惨剧”的同音词。)
新年已至,让我们在此总结一下石油市场形势。实际情况表明,2014年对石油市场来说非常重要——油价在短短六个月内下降了一半。
The Belty is great that it uses technology to track fitness, water intake, and posture, but for $395, you might be better off getting the same in a stylish smart watch or activity tracker.

中国最高质量监督部门日前表示,去年通过网购平台出口到中国的消费品,超过40%是不合格的。
The highest average monthly salary for 2016 graduates is 5693 Yuan in IT/Internet/telecommunications/electronics industries; second is financial industry and culture/sports/entertainment/media industries with average salaries level of 4685 Yuan and 4552 Yuan respectively; monthly salaries in agricultural/forest/grassland farming/fishing, and services/ educational sports/industrial arts are relatively low among signed graduates, respectively are 3500 Yuan, 3873 Yuan and 3900 Yuan.

As financial advisor Taylor Schulte of the 广州公租房准入放宽: 家庭年人均收入35660元 points out, the math is simply not in your favor if you withdraw from your 401(k).

8. Get Inspired
“有个员工在公司网站上发帖称自己辞职了。”
Christie’s biannual evening sale on Dec. 8 raised just 6.5 million pounds with fees, about $9.7 million, against a low estimate of 12.7 million. Nineteen of the 45 works, or 42 percent, failed to sell, including the two most highly valued lots — a 1582 watercolor study of a hare among plants by Hans Hoffmann, a pupil of Albrecht Dürer, and a fine 1770s Francesco Guardi view of the island of San Giorgio Maggiore in Venice, carrying low estimates of 4 million and 1.5 million respectively.
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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.