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2021-09-10
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How Will The Debt Limit Drama Play Out: Here Are The Two Scenarios
Bennykcw
2021-09-10
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4 Reasons Why You Shouldn't Max Out Your 401(k)
Bennykcw
2021-03-10
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Bennykcw
2021-03-10
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days","bigImgUrl":"https://static.tigerbbs.com/0063fb68ea29c9ae6858c58630e182d5","smallImgUrl":"https://static.tigerbbs.com/96c699a93be4214d4b49aea6a5a5d1a4","grayImgUrl":"https://static.tigerbbs.com/35b0e542a9ff77046ed69ef602bc105d","redirectLinkEnabled":0,"redirectLink":null,"hasAllocated":1,"isWearing":0,"stamp":null,"stampPosition":0,"hasStamp":0,"allocationCount":1,"allocatedDate":"2023.10.26","exceedPercentage":null,"individualDisplayEnabled":0,"backgroundColor":null,"fontColor":null,"individualDisplaySort":0,"categoryType":1001},{"badgeId":"44212b71d0be4ec88898348dbe882e03-2","templateUuid":"44212b71d0be4ec88898348dbe882e03","name":"Executive Tiger","description":"The transaction amount of the securities account reaches 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stocks","bigImgUrl":"https://static.tigerbbs.com/e74cc24115c4fbae6154ec1b1041bf47","smallImgUrl":"https://static.tigerbbs.com/d48265cbfd97c57f9048db29f22227b0","grayImgUrl":"https://static.tigerbbs.com/76c6d6898b073c77e1c537ebe9ac1c57","redirectLinkEnabled":0,"redirectLink":null,"hasAllocated":1,"isWearing":0,"stamp":null,"stampPosition":0,"hasStamp":0,"allocationCount":1,"allocatedDate":"2021.12.21","exceedPercentage":null,"individualDisplayEnabled":0,"backgroundColor":null,"fontColor":null,"individualDisplaySort":0,"categoryType":1102},{"badgeId":"a83d7582f45846ffbccbce770ce65d84-1","templateUuid":"a83d7582f45846ffbccbce770ce65d84","name":"Real Trader","description":"Completed a 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300","bigImgUrl":"https://static.tigerbbs.com/656db16598a0b8f21429e10d6c1cb033","smallImgUrl":"https://static.tigerbbs.com/03f10910d4dd9234f9b5702a3342193a","grayImgUrl":"https://static.tigerbbs.com/0c767e35268feb729d50d3fa9a386c5a","redirectLinkEnabled":0,"redirectLink":null,"hasAllocated":1,"isWearing":0,"stamp":null,"stampPosition":0,"hasStamp":0,"allocationCount":1,"allocatedDate":"2021.12.21","exceedPercentage":"93.44%","individualDisplayEnabled":0,"backgroundColor":null,"fontColor":null,"individualDisplaySort":0,"categoryType":1100}],"userBadgeCount":5,"currentWearingBadge":null,"individualDisplayBadges":null,"crmLevel":5,"crmLevelSwitch":0,"location":null,"starInvestorFollowerNum":0,"starInvestorFlag":false,"starInvestorOrderShareNum":0,"subscribeStarInvestorNum":10,"ror":null,"winRationPercentage":null,"showRor":false,"investmentPhilosophy":null,"starInvestorSubscribeFlag":false},"baikeInfo":{},"tab":"post","tweets":[{"id":883460706,"gmtCreate":1631263512705,"gmtModify":1676530513072,"author":{"id":"3574943077426413","authorId":"3574943077426413","authorIdStr":"3574943077426413","name":"Bennykcw","avatar":"https://static.tigerbbs.com/57c6d34edb74033078beada33e53657b","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3574943077426413"},"themes":[],"htmlText":"?","listText":"?","text":"?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/883460706","repostId":"1101890813","repostType":4,"repost":{"id":"1101890813","pubTimestamp":1631263267,"share":"https://ttm.financial/m/news/1101890813?lang=&edition=fundamental","pubTime":"2021-09-10 16:41","market":"us","language":"en","title":"How Will The Debt Limit Drama Play Out: Here Are The Two Scenarios","url":"https://stock-news.laohu8.com/highlight/detail?id=1101890813","media":"zerohedge","summary":"Addressing a topic that could soon become a big concern for the bond market - the October dead limit","content":"<p>Addressing a topic that could soon become a big concern for the bond market - the October dead limit deadline - Curvature's repo expert Scott Skyrmsaid this morningthat, \"for the past several years, Congress always reached a compromise before the possibility of a \"technical default\" creeped into the markets. This year, as we get closer to the \"drop dead date\" (which hasn't yet been determined) the markets will start pricing in distortions.\"</p>\n<p>To this we can add that as we noted yesterday, distortions in the bond market are already clearly emerging, with the spread between October and November -<i>this is where the market estimates the \"drop dead date\" will take place</i>- T-Bills rising fast:</p>\n<p><img src=\"https://static.tigerbbs.com/18baa5bfc2f4fcada29a0e71d4887b7e\" tg-width=\"1024\" tg-height=\"528\" width=\"100%\" height=\"auto\">The next chart shows that the T-Bill curve is clearly moving wider around the early November timeframe.</p>\n<p><img src=\"https://static.tigerbbs.com/e688a9eb195944fe7e906a13a6319b8f\" tg-width=\"963\" tg-height=\"581\" width=\"100%\" height=\"auto\">As a reminder, yesterday Treasury Secretary Yellen sent a letter to congressional leaders this morning indicating that the the Treasury will exhaust its cash and extraordinary measures \"during the month of October\". This slightly sooner than the \"October or November\" timing that the Congressional Budget Office had estimated in a report in late July.</p>\n<p>So how will the upcoming debt limit drama play out?<i>According to Goldman, there are several possible scenarios from here</i>:</p>\n<p>The most likely scenario is that Democratic leaders will attach a debt limit suspension to upcoming spending legislation to keep the federal government open past the end of the fiscal year (a \"continuing resolution\") and to provide emergency disaster relief funding related to the fires in the Western US and storm damage in the East and South. <b>As 46 Senate Republicans have indicated they will block a debt limit increase, there is a good chance this strategy will not succeed.</b>That said, passage of short-term debt limit might be possible as several Republican senators represent states affected by recent disasters. One option Republicans might consider would be to vote against the bill but decline to filibuster it, allowing it to pass with only 51 votes in the Senate. This would likely require unanimous Democratic support in that chamber, which is possible but not certain.</p>\n<p>If Senate Republicans block the spending bill later this month,<b>Democratic leaders would then need to decide whether to force the issue and risk a partial federal government shutdown, or to remove the debt limit suspension from the spending bill.</b>If lawmakers end in a stalemate, a government shutdown might follow, though Goldman does not see this as the base case.</p>\n<p>If they are unable to raise the debt limit as part of a spending bill, they might consider using the reconciliation process to pass it with only 51 votes.<b>However, this faces two challenges:</b></p>\n<ul>\n <li><b>First, it is unclear whether all Senate Democrats would vote for a revised budget resolution that increases the debt limit by several trillion dollars</b>. if Democrats use the reconciliation process, Senate rules would probably allow them only to raise the debt limit by a specific dollar figure,<b>which would lead to more politically problematic headlines, rather than suspend it for a period of time, which has become the norm over the last decade as it does not lead to a specific dollar amount at the time of passage</b>.</li>\n <li><b>Second, the current reconciliation process to pass as much as $3.5 trillion in new spending is already underway, with House committees already in the process of considering and passing their segments of the bill in committee</b>. Revising the budget resolution, which governs that process, could interfere with consideration of that legislation, and would likely take at least a couple of weeks, if not longer.<b>If Democrats wait until Sep. 30 to test support for a debt limit increase as part of the spending bill, they might not have sufficient time to go through all of the procedures necessary to revise the resolution before the debt limit deadline.</b></li>\n</ul>\n<p>In other words, as on every prior occasion when the debt limit was raised or extended in the last possible minute, this time is unlikely to be an exception - after all the alternative is a catastrophic outcome for the US. However, the longer Congress waits the more challenging the debt limit process becomes, and could be thrown for a loop if one or more holdouts block the process in the last minute, unleashing chaos in the market if only to provoke politicians into action. As we get closer to the D-Day, keep an eye on the spread in T-Bills for an indication of just how nervous the market is becoming.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>How Will The Debt Limit Drama Play Out: Here Are The Two Scenarios</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nHow Will The Debt Limit Drama Play Out: Here Are The Two Scenarios\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-09-10 16:41 GMT+8 <a href=https://www.zerohedge.com/markets/how-will-debt-limit-drama-play-out-here-are-two-scenarios><strong>zerohedge</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Addressing a topic that could soon become a big concern for the bond market - the October dead limit deadline - Curvature's repo expert Scott Skyrmsaid this morningthat, \"for the past several years, ...</p>\n\n<a href=\"https://www.zerohedge.com/markets/how-will-debt-limit-drama-play-out-here-are-two-scenarios\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".SPX":"S&P 500 Index",".DJI":"道琼斯",".IXIC":"NASDAQ Composite","SPY":"标普500ETF"},"source_url":"https://www.zerohedge.com/markets/how-will-debt-limit-drama-play-out-here-are-two-scenarios","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1101890813","content_text":"Addressing a topic that could soon become a big concern for the bond market - the October dead limit deadline - Curvature's repo expert Scott Skyrmsaid this morningthat, \"for the past several years, Congress always reached a compromise before the possibility of a \"technical default\" creeped into the markets. This year, as we get closer to the \"drop dead date\" (which hasn't yet been determined) the markets will start pricing in distortions.\"\nTo this we can add that as we noted yesterday, distortions in the bond market are already clearly emerging, with the spread between October and November -this is where the market estimates the \"drop dead date\" will take place- T-Bills rising fast:\nThe next chart shows that the T-Bill curve is clearly moving wider around the early November timeframe.\nAs a reminder, yesterday Treasury Secretary Yellen sent a letter to congressional leaders this morning indicating that the the Treasury will exhaust its cash and extraordinary measures \"during the month of October\". This slightly sooner than the \"October or November\" timing that the Congressional Budget Office had estimated in a report in late July.\nSo how will the upcoming debt limit drama play out?According to Goldman, there are several possible scenarios from here:\nThe most likely scenario is that Democratic leaders will attach a debt limit suspension to upcoming spending legislation to keep the federal government open past the end of the fiscal year (a \"continuing resolution\") and to provide emergency disaster relief funding related to the fires in the Western US and storm damage in the East and South. As 46 Senate Republicans have indicated they will block a debt limit increase, there is a good chance this strategy will not succeed.That said, passage of short-term debt limit might be possible as several Republican senators represent states affected by recent disasters. One option Republicans might consider would be to vote against the bill but decline to filibuster it, allowing it to pass with only 51 votes in the Senate. This would likely require unanimous Democratic support in that chamber, which is possible but not certain.\nIf Senate Republicans block the spending bill later this month,Democratic leaders would then need to decide whether to force the issue and risk a partial federal government shutdown, or to remove the debt limit suspension from the spending bill.If lawmakers end in a stalemate, a government shutdown might follow, though Goldman does not see this as the base case.\nIf they are unable to raise the debt limit as part of a spending bill, they might consider using the reconciliation process to pass it with only 51 votes.However, this faces two challenges:\n\nFirst, it is unclear whether all Senate Democrats would vote for a revised budget resolution that increases the debt limit by several trillion dollars. if Democrats use the reconciliation process, Senate rules would probably allow them only to raise the debt limit by a specific dollar figure,which would lead to more politically problematic headlines, rather than suspend it for a period of time, which has become the norm over the last decade as it does not lead to a specific dollar amount at the time of passage.\nSecond, the current reconciliation process to pass as much as $3.5 trillion in new spending is already underway, with House committees already in the process of considering and passing their segments of the bill in committee. Revising the budget resolution, which governs that process, could interfere with consideration of that legislation, and would likely take at least a couple of weeks, if not longer.If Democrats wait until Sep. 30 to test support for a debt limit increase as part of the spending bill, they might not have sufficient time to go through all of the procedures necessary to revise the resolution before the debt limit deadline.\n\nIn other words, as on every prior occasion when the debt limit was raised or extended in the last possible minute, this time is unlikely to be an exception - after all the alternative is a catastrophic outcome for the US. However, the longer Congress waits the more challenging the debt limit process becomes, and could be thrown for a loop if one or more holdouts block the process in the last minute, unleashing chaos in the market if only to provoke politicians into action. As we get closer to the D-Day, keep an eye on the spread in T-Bills for an indication of just how nervous the market is becoming.","news_type":1},"isVote":1,"tweetType":1,"viewCount":220,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":883481474,"gmtCreate":1631263080898,"gmtModify":1676530512859,"author":{"id":"3574943077426413","authorId":"3574943077426413","authorIdStr":"3574943077426413","name":"Bennykcw","avatar":"https://static.tigerbbs.com/57c6d34edb74033078beada33e53657b","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3574943077426413"},"themes":[],"htmlText":"Good","listText":"Good","text":"Good","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/883481474","repostId":"2166310555","repostType":4,"repost":{"id":"2166310555","pubTimestamp":1631259300,"share":"https://ttm.financial/m/news/2166310555?lang=&edition=fundamental","pubTime":"2021-09-10 15:35","market":"us","language":"en","title":"4 Reasons Why You Shouldn't Max Out Your 401(k)","url":"https://stock-news.laohu8.com/highlight/detail?id=2166310555","media":"Motley Fool","summary":"Consider these points before maxing out your 401(k).","content":"<blockquote>\n <b>Consider these points before maxing out your 401(k).</b>\n</blockquote>\n<p><b>Key Points</b></p>\n<ul>\n <li>Contributing to a retirement account isn’t the only way to build long-term financial security.</li>\n <li>A 401(k) is a powerful way to save money for retirement, but consider it relative to your other financial needs.</li>\n</ul>\n<p>The standard advice to maximize your 401(k) is excellent, but it doesn't suit everyone all the time. There are a few reasons why contributing as much as you can to your retirement fund might not make sense, at least not some years. That's because a traditional 401(k) locks your money away until you are 59 ½. Early withdrawal is allowed, but only in limited circumstances or with a tax penalty. It is not the only way to set aside money for retirement, either.</p>\n<p><img src=\"https://static.tigerbbs.com/a609ea45e588dde78d508439e00866e4\" tg-width=\"700\" tg-height=\"393\" referrerpolicy=\"no-referrer\"></p>\n<p>Image Source: Getty Images</p>\n<p>1. You have high-interest debt</p>\n<p>Early in your career, you might have high-cost debt to address. If you have high interest debt, such as credit cards or installment loans with interest rates above 15%, it may be best to concentrate on paying that off before contributing too much to your 401(k).</p>\n<p>Also, if you are having trouble making the minimum payments on student loans or scramble to pay your rent every month, you may not have enough slack in your budget. Contributing to a retirement plan could actually hurt you in the near term. Look for ways to increase your income or reduce your spending before committing to long-term savings. Eventually, you should be able to afford to put enough money into your retirement to earn any employer match offered, then build to a full contribution.</p>\n<p>2. You want to retire early</p>\n<p>Some people want to retire before the age of 59 ½. If this is you, it's a good idea to have money outside of traditional retirement accounts. For some, this will involve aggressive savings (the Financially Independent, Retired Early crowd). For others, it's simply having money set aside for a year or two before traditional retirement accounts can be tapped. If early retirement is your goal, consider slowing down your 401(k) contributions once your account balance is adequate. It may be better to put your money in taxable accounts rather than pay the 10% penalty tax on early withdrawals.</p>\n<p>3. You want to avoid huge required minimum distributions</p>\n<p>Once you turn 72, the IRS requires you to take a minimum amount from IRA and 401(k) accounts. This required minimum distribution is based on the account value and your age. For most people, this is not a concern; they are more concerned about having enough money in their retirement accounts, not having too much.</p>\n<p>A fortunate few find these required minimum withdrawals to be far larger than they want. If you have made maximum contributions for years, had success in the financial markets, and possibly have large deferred compensation funds in rollover IRA accounts that are included in the minimum distribution requirements, you may end up with ridiculously large RMDs and tax bills.</p>\n<p>If you're part of this minority of folks who may be forced to withdraw more money than they know what to do with, curtailing retirement contributions may be a good idea. You can put your savings into other investment vehicles, or consider giving it to charity to share your bounty.</p>\n<p>4. You're considering health care and long-term care</p>\n<p>Many retirees have high health-care costs. Medicare is a pretty good deal, but it doesn't cover everything. A health savings account is a tax-advantaged way to save for copayments, deductibles, vision care, and dental care. If you are eligible for a health savings account with your current health insurance, and if your retirement accounts are in good shape, consider maxing out your HSA contribution. The funds should roll over and be in place for you when you retire. The maximum HSA contribution for 2021 is $3600 for an individual and $7200 for a married couple filing jointly.</p>\n<p>Long-term care is especially expensive, whether it involves help at home, assisted living, or a skilled nursing facility. Long-term care insurance is available and is relatively inexpensive the younger that you are. If your basic retirement needs are covered, buying a long-term care policy instead of making a 401(k) contribution may be a good bet.</p>\n<p>By all means, maximize your 401(k) contribution if it makes sense, and participate just enough to get any employer match (free money!). But if you find yourself identifying with any of the points above, you may want to consider saving for retirement in a different way, at least for now.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>4 Reasons Why You Shouldn't Max Out Your 401(k)</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n4 Reasons Why You Shouldn't Max Out Your 401(k)\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-09-10 15:35 GMT+8 <a href=https://www.fool.com/investing/2021/09/09/4-reasons-why-you-shouldnt-max-out-your-401k/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Consider these points before maxing out your 401(k).\n\nKey Points\n\nContributing to a retirement account isn’t the only way to build long-term financial security.\nA 401(k) is a powerful way to save ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/09/09/4-reasons-why-you-shouldnt-max-out-your-401k/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".IXIC":"NASDAQ Composite","SPY":"标普500ETF",".DJI":"道琼斯",".SPX":"S&P 500 Index"},"source_url":"https://www.fool.com/investing/2021/09/09/4-reasons-why-you-shouldnt-max-out-your-401k/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2166310555","content_text":"Consider these points before maxing out your 401(k).\n\nKey Points\n\nContributing to a retirement account isn’t the only way to build long-term financial security.\nA 401(k) is a powerful way to save money for retirement, but consider it relative to your other financial needs.\n\nThe standard advice to maximize your 401(k) is excellent, but it doesn't suit everyone all the time. There are a few reasons why contributing as much as you can to your retirement fund might not make sense, at least not some years. That's because a traditional 401(k) locks your money away until you are 59 ½. Early withdrawal is allowed, but only in limited circumstances or with a tax penalty. It is not the only way to set aside money for retirement, either.\n\nImage Source: Getty Images\n1. You have high-interest debt\nEarly in your career, you might have high-cost debt to address. If you have high interest debt, such as credit cards or installment loans with interest rates above 15%, it may be best to concentrate on paying that off before contributing too much to your 401(k).\nAlso, if you are having trouble making the minimum payments on student loans or scramble to pay your rent every month, you may not have enough slack in your budget. Contributing to a retirement plan could actually hurt you in the near term. Look for ways to increase your income or reduce your spending before committing to long-term savings. Eventually, you should be able to afford to put enough money into your retirement to earn any employer match offered, then build to a full contribution.\n2. You want to retire early\nSome people want to retire before the age of 59 ½. If this is you, it's a good idea to have money outside of traditional retirement accounts. For some, this will involve aggressive savings (the Financially Independent, Retired Early crowd). For others, it's simply having money set aside for a year or two before traditional retirement accounts can be tapped. If early retirement is your goal, consider slowing down your 401(k) contributions once your account balance is adequate. It may be better to put your money in taxable accounts rather than pay the 10% penalty tax on early withdrawals.\n3. You want to avoid huge required minimum distributions\nOnce you turn 72, the IRS requires you to take a minimum amount from IRA and 401(k) accounts. This required minimum distribution is based on the account value and your age. For most people, this is not a concern; they are more concerned about having enough money in their retirement accounts, not having too much.\nA fortunate few find these required minimum withdrawals to be far larger than they want. If you have made maximum contributions for years, had success in the financial markets, and possibly have large deferred compensation funds in rollover IRA accounts that are included in the minimum distribution requirements, you may end up with ridiculously large RMDs and tax bills.\nIf you're part of this minority of folks who may be forced to withdraw more money than they know what to do with, curtailing retirement contributions may be a good idea. You can put your savings into other investment vehicles, or consider giving it to charity to share your bounty.\n4. You're considering health care and long-term care\nMany retirees have high health-care costs. Medicare is a pretty good deal, but it doesn't cover everything. A health savings account is a tax-advantaged way to save for copayments, deductibles, vision care, and dental care. If you are eligible for a health savings account with your current health insurance, and if your retirement accounts are in good shape, consider maxing out your HSA contribution. The funds should roll over and be in place for you when you retire. The maximum HSA contribution for 2021 is $3600 for an individual and $7200 for a married couple filing jointly.\nLong-term care is especially expensive, whether it involves help at home, assisted living, or a skilled nursing facility. Long-term care insurance is available and is relatively inexpensive the younger that you are. If your basic retirement needs are covered, buying a long-term care policy instead of making a 401(k) contribution may be a good bet.\nBy all means, maximize your 401(k) contribution if it makes sense, and participate just enough to get any employer match (free money!). But if you find yourself identifying with any of the points above, you may want to consider saving for retirement in a different way, at least for now.","news_type":1},"isVote":1,"tweetType":1,"viewCount":182,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":323719643,"gmtCreate":1615374653382,"gmtModify":1704781840937,"author":{"id":"3574943077426413","authorId":"3574943077426413","authorIdStr":"3574943077426413","name":"Bennykcw","avatar":"https://static.tigerbbs.com/57c6d34edb74033078beada33e53657b","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3574943077426413"},"themes":[],"htmlText":"Wow","listText":"Wow","text":"Wow","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/323719643","repostId":"1169673025","repostType":4,"isVote":1,"tweetType":1,"viewCount":259,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":323737424,"gmtCreate":1615374532868,"gmtModify":1704781838832,"author":{"id":"3574943077426413","authorId":"3574943077426413","authorIdStr":"3574943077426413","name":"Bennykcw","avatar":"https://static.tigerbbs.com/57c6d34edb74033078beada33e53657b","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3574943077426413"},"themes":[],"htmlText":"Wow","listText":"Wow","text":"Wow","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/323737424","repostId":"1169673025","repostType":4,"isVote":1,"tweetType":1,"viewCount":273,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"hots":[{"id":883460706,"gmtCreate":1631263512705,"gmtModify":1676530513072,"author":{"id":"3574943077426413","authorId":"3574943077426413","authorIdStr":"3574943077426413","name":"Bennykcw","avatar":"https://static.tigerbbs.com/57c6d34edb74033078beada33e53657b","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3574943077426413"},"themes":[],"htmlText":"?","listText":"?","text":"?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/883460706","repostId":"1101890813","repostType":4,"isVote":1,"tweetType":1,"viewCount":220,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":883481474,"gmtCreate":1631263080898,"gmtModify":1676530512859,"author":{"id":"3574943077426413","authorId":"3574943077426413","authorIdStr":"3574943077426413","name":"Bennykcw","avatar":"https://static.tigerbbs.com/57c6d34edb74033078beada33e53657b","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3574943077426413"},"themes":[],"htmlText":"Good","listText":"Good","text":"Good","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/883481474","repostId":"2166310555","repostType":4,"isVote":1,"tweetType":1,"viewCount":182,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":323719643,"gmtCreate":1615374653382,"gmtModify":1704781840937,"author":{"id":"3574943077426413","authorId":"3574943077426413","authorIdStr":"3574943077426413","name":"Bennykcw","avatar":"https://static.tigerbbs.com/57c6d34edb74033078beada33e53657b","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3574943077426413"},"themes":[],"htmlText":"Wow","listText":"Wow","text":"Wow","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/323719643","repostId":"1169673025","repostType":4,"repost":{"id":"1169673025","pubTimestamp":1615374207,"share":"https://ttm.financial/m/news/1169673025?lang=&edition=fundamental","pubTime":"2021-03-10 19:03","market":"us","language":"en","title":"GameStop’s Winning Streak Keeps Going Amid Cohen Shakeup Plan","url":"https://stock-news.laohu8.com/highlight/detail?id=1169673025","media":"Bloomberg","summary":"GameStop Corp. extended its recent resurgence in premarket trading, with the stock gaining 16% follo","content":"<p>GameStop Corp. extended its recent resurgence in premarket trading, with the stock gaining 16% following a five-day winning streak in which it has more than doubled.</p>\n<p>The stock traded at $285.50 as of 4:43 a.m. in New York compared with Tuesday’s close of $246.90. Shares in other stocks favored by day traders, including AMC Entertainment Holdings Inc., retailer Express Inc. and headphone maker Koss Corp. also rose in premarket trading.</p>\n<p>GameStop is back on the radar of retail investors as Chewy Inc. founder and activist investor Ryan Cohen continues to shake up operations at the video-game retailer. The Grapevine, Texas-based company said Monday Cohen would lead a new committee focused on its digital transformation.</p>\n<p>“It looks like the second wave of bullish speculation has clearly kicked off,” Ipek Ozkardeskaya, senior analyst at Swissquote, said by email. “Given the massive volatility in this stock, the risk is huge as the rally in the GME stock price is boosted by expectations of future growth, and is not based on concrete results for now.”</p>\n<p><img src=\"https://static.tigerbbs.com/57283967efcb6b45be674177f9badb4a\" tg-width=\"1200\" tg-height=\"675\"></p>\n<p>Retail investors’ Reddit-driven surge has kept its shares afloat despite the broader market’s recent volatility and tech selloff. Even so, GameStop remains far from its Jan. 28 intraday record of $483.</p>\n<p>The frenzy has drawn U.S. regulators to consider adding rules for everything from options trading to short-selling. In letters to Senator Elizabeth Warren, the Securities and Exchange Commission and the Financial Industry Regulatory Authority said they’rereviewing potential rules to fix regulatory gaps.</p>","source":"lsy1584095487587","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>GameStop’s Winning Streak Keeps Going Amid Cohen Shakeup Plan</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nGameStop’s Winning Streak Keeps Going Amid Cohen Shakeup Plan\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-03-10 19:03 GMT+8 <a href=https://www.bloomberg.com/news/articles/2021-03-10/gamestop-s-winning-streak-keeps-going-amid-cohen-shakeup-plan?srnd=markets-vp><strong>Bloomberg</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>GameStop Corp. extended its recent resurgence in premarket trading, with the stock gaining 16% following a five-day winning streak in which it has more than doubled.\nThe stock traded at $285.50 as of ...</p>\n\n<a href=\"https://www.bloomberg.com/news/articles/2021-03-10/gamestop-s-winning-streak-keeps-going-amid-cohen-shakeup-plan?srnd=markets-vp\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"GME":"游戏驿站","AMC":"AMC院线","SNDL":"SNDL Inc."},"source_url":"https://www.bloomberg.com/news/articles/2021-03-10/gamestop-s-winning-streak-keeps-going-amid-cohen-shakeup-plan?srnd=markets-vp","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1169673025","content_text":"GameStop Corp. extended its recent resurgence in premarket trading, with the stock gaining 16% following a five-day winning streak in which it has more than doubled.\nThe stock traded at $285.50 as of 4:43 a.m. in New York compared with Tuesday’s close of $246.90. Shares in other stocks favored by day traders, including AMC Entertainment Holdings Inc., retailer Express Inc. and headphone maker Koss Corp. also rose in premarket trading.\nGameStop is back on the radar of retail investors as Chewy Inc. founder and activist investor Ryan Cohen continues to shake up operations at the video-game retailer. The Grapevine, Texas-based company said Monday Cohen would lead a new committee focused on its digital transformation.\n“It looks like the second wave of bullish speculation has clearly kicked off,” Ipek Ozkardeskaya, senior analyst at Swissquote, said by email. “Given the massive volatility in this stock, the risk is huge as the rally in the GME stock price is boosted by expectations of future growth, and is not based on concrete results for now.”\n\nRetail investors’ Reddit-driven surge has kept its shares afloat despite the broader market’s recent volatility and tech selloff. Even so, GameStop remains far from its Jan. 28 intraday record of $483.\nThe frenzy has drawn U.S. regulators to consider adding rules for everything from options trading to short-selling. In letters to Senator Elizabeth Warren, the Securities and Exchange Commission and the Financial Industry Regulatory Authority said they’rereviewing potential rules to fix regulatory gaps.","news_type":1},"isVote":1,"tweetType":1,"viewCount":259,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":323737424,"gmtCreate":1615374532868,"gmtModify":1704781838832,"author":{"id":"3574943077426413","authorId":"3574943077426413","authorIdStr":"3574943077426413","name":"Bennykcw","avatar":"https://static.tigerbbs.com/57c6d34edb74033078beada33e53657b","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3574943077426413"},"themes":[],"htmlText":"Wow","listText":"Wow","text":"Wow","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/323737424","repostId":"1169673025","repostType":4,"isVote":1,"tweetType":1,"viewCount":273,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"lives":[]}
