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" ... "One of the biggest dangers in borrowing from retirement accounts is that many people stop investing in their retirement while they’re paying off their loans," said Scott Ashline, a Northwestern Mutual wealth management advisor in San Diego. “The sad reality is that it never gets replenished,” he said. ... "
" ... A focus on simply minimizing unit cost is both inefficient and wasteful. It leads to manufacturing goods months in advance of sales, often far away from the end consumer, with limited information about what the end consumer actually wants to buy. Not only does this approach require higher upfront cash commitments, it results in significant discounting and leftover merchandise at the end of the season with excess inventory typically in the range of 30-40%. To make matters worse, in this slow “bet on winners” system, top selling styles can’t be quickly replenished, so those sales are lost. ... "
" ... As distributions are made from the portfolio, the cash needs to be replenished. This is also more art than science. Rebalancing monthly seems too much, but once a year could result in a lopsided portfolio allocation, especially where the cash needs makes up a large portion of the fixed income allocation. Quarterly or semi-annually is a more practical time frame for rebalancing. ... "
" ... The Ölfus Spring, the source of Icelandic Glacial water is naturally replenished by the abundant rainfall and snowmelt in the northern mountains of Iceland. Bottling less than 0.1% of the overflow to the sea, the Ölfus Spring is declared certifiably sustainable by Zenith International. Icelandic Glacial's commitment to sustainability is reflected in the bottle and cardboard packaging, both of which are 100% recyclable. ... "
" ... Those funds have been replenished, and even if you took out a loan the first time, you may qualify for another PPP loan. (New applicants who qualify are also welcome to apply under the original terms of the CARES Act.) The key is that if you did get a PPP loan already, you must have already used your funds or have plans to use them to qualify for further PPP funds. ... "