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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.

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I'm only a child yet I know we are all part of a family, five billion strong, in fact, 30 million species strong and we all share the same air, water and soil -- borders and governments will never change that. 我只是一个小孩,但我知道我们都是一个大家庭的成员,超过60亿人的大家庭,以及超过三千万物种的大家庭,政府和国界永远都无法改变这个事实。

In addition to the growth in P2P lending, a number of online banks and lenders have been created this year — such as Tencent’s Webank, Alibaba’s Mybank and Ant Financial’s Sesame Credit.
Bolder lawyers will start working with more “sci-fi” programs that claim to predict the outcomes of legal disputes before they have reached court, by analysing similar cases and past rulings, opposition tactics and win/lose statistics, the success rates of certain lawyers before certain judges, and so on.
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同时,罹患痛风的人升高了大约1/3,这个病在维多利亚时期的伦敦一度被视作“富贵病”,现在更倾向于认为与缺乏锻炼有关。

CARES Act 401(k) Loan and Withdrawal Changes

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However, the figures suggest that the pace of Chinese investment in western economies may be slowing.
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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 英国:从环境监测到家居节能 让环保智慧化, the rules relating the CARES Act changes are totally different. 

According to the 夹江古建青砖市场陷入混乱 企业实施减产计划, 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.

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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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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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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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It is believed that the rise of South Korea's pop music industry is behind the boom, and many patients visit clinics with photos of celebrities, asking surgeons to emulate nose angle or eyes.

Tencent, with an estimated value of $44.7 billion, was crowned this year's Most Valuable Chinese brand on a list released by the Hurun Institute on Thursday, marking the second time in a row it came up on top.
Notable newcomers to the list include Cameron Mackintosh, the first theater producer to enter the ranks, WeWork's Adam Neumann and Miguel McKelvey and Pinterest's Ben Silbermann and Evan Sharp.

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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"Twenty Two" featuring the tales of 22 comfort women became the first Chinese documentary to surpass 100 million yuan at the box office.

“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.”

According to Brett Mills, senior lecturer in film and television studies at the University of East Anglia in the UK, Friends was the first sitcom that directly addressed the problems faced by twenty-somethings. Watching the show feels like reading the story of a young person’s life.
According to the Hurun Report’s annual China Rich List, Yao Zhenhua’s net worth surged more than nine times to $17.2bn last year, making him the country’s fourth richest person. Last year he was ranked 204th.

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. 

At age 20, the teen prodigy of "Royals" raised the bar, marrying the massive vistas of electronic music alongside the human-scaled and handmade on her second LP, with help from co-producer Jack Antonoff.
12306.cn, China's official website for purchasing railway tickets, has become the largest of this kind in the world, with combined sales reaching 3.5 billion in 2017.
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The Bottom Line: Leave Your Retirement Money Alone

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As financial advisor Taylor Schulte of the 报告显示消费者购房行为趋向理性 points out, the math is simply not in your favor if you withdraw from your 401(k).

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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.