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Like a 401(k), a traditional IRA is tax-deductible; the proceeds are taxed upon withdrawal. If the money to be rolled over is paid directly to the account holder (i.e. your former employer writes you a check for the amount in your 401(k)), the money must be transferred to a new 401(k) or IRA within 60 days. Since any taxable distribution paid directly to the account holder is subject to mandatory withholding of 20 percent, even if the person intends to roll it over, an employee seeking to roll over funds from a previous 401(k) should ask that the money be transferred directly to the new plan or IRA. An employed person who raids his 401(k) early is likely to be in a higher tax bracket at the time of the withdrawal than a retired person who withdraws the same amount of money, simply because the retired person is likely to have less income. A 2011 study indicates that the median household headed by a person age 60 to 62 with a 401(k) account — many of which lost up to one-third of their value when stocks tanked starting in 2008 — has less than one-quarter of what is needed in that account to maintain its standard of living in retirement.

Given the current state of the economy, someone who taps into his 401(k) earlier will likely have to work longer before retirement than those who hold off. If loans are permitted under terms of the 401(k) plan, the employee may borrow up to 50 percent of the vested account balance up to a maximum of $50,000 without the money being taxed. For employees who are not yet eligible to withdraw money from their 401(k) (and some who take hardship distributions), if you want your money early, you’re going to pay for it. There are many different types of damage that can occur to an iPhone screen. Remove the screen to a safe place then remove the other screws on the hinge flanges taking off the grounding clip, screen foil and finally the screen rear casing. From then on, Pixar became known as the animation studio that told unique stories from unusual perspectives. This Pixar fantasy film introduced audiences to the amazing potential of computer animation – and charmed them at the same time with a beloved cast of characters: Woody, Buzz Lightyear, Slinky Dog, Mr. Potato Head and more.

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