If your new job offers a 401(k) plan that accepts rollover contributions, you can transfer your balance into another plan. If the hearing goes against you, ICE will issue a document to you known as the Bag and Baggage letter. With a 401(k) loan, you borrow money from your retirement savings account. This compensation may impact how and where listings appear. If the 401(k) stays in the name of the deceased, the surviving spouse will have to start withdrawing the minimum distributions required by the plan the year the deceased would have reached 70 1/2. Yes, a family member can continue to reduce the obligation until satisfied so that your credit worthiness is not affected with each individual lender and with credit reporting agencies. "If you think you might need the money between ages 55 and 59 1/2, you will be better off leaving the money in the 401(k) because you can access that money without paying the early withdrawal penalty," says Henry Gorecki, a certified financial planner for HG Wealth Management in Chicago. If you opt for a 401(k) loan or withdrawal, take steps to keep your retirement savings on track so you don't set yourself back. Comparative assessments and other editorial opinions are those of U.S. News There is some. Depending on the country you plan to give birth in, the process of having a baby in a foreign country may vary. The content Email address can not exceed 100 characters. The amount the employees contribute to the 401 (k) account is limited to a maximum of $19,500 for the 2020-2021 fiscal year. If you are considering applying for a personal loan, just follow these 3 simple steps. To avoid paying income tax and the early withdrawal penalty, you will need to deposit that $8,000 and $2,000 from another source into another retirement account within 60 days. What's more, 401(k) loans don't require a credit check, and they don't show up as debt on your credit report. If you leave your 401(k) with your old employer, you will no longer be allowed to make contributions to the plan. Unemployment rates hovered around 6% during the early months of 2021. Leave the money in your 401(k) if you have more than $5,000. Depending on your situation, you might qualify for a traditional withdrawal, such as a hardship withdrawal. You have options, but some may be better than others. Let the representative know if you qualify for an exception to the IRS penalty or are over age 59 1/2. "There's no rule that says you have to save for retirement in your retirement account," Nick Holeman, a certified financial planner at Betterment, tells CNBC Make It. Nerdy takeaways. If you need funds to help cover costs like a mortgage payment and groceries, you might be considering taking money from a 401(k) account. The age increases to 75 in 2033. Living in the U.S. territories unlawfully, Entering into the U.S. territories with forged documents, Arrested by police or other law enforcement agency, Reasons for requesting a Stay of Deportation or Removal, Information in the form prepared by anyone other than the applicant, They have been present unlawfully for over one year in aggregate, Copies of every exclusion, deportation, or removal proceeding issued by an Immigration Court. You can also fund a regular brokerage account. This story was published at an earlier date and has been updated with new information. In states that require a spouse's consent even after a divorce, such as Texas, you may have to apply for a court order to get a 401(k) beneficiary changed. 03/15/2022. Unless you can minimize taxes on 401(k) withdrawals, a large tax bill further eats away at the lump sum you receive. The sooner you start putting your money to work, the less you'll have to save each month to reach whatever your retirement goal may be, such as $1 million. Latham holds a Bachelor of Science in English and a diploma in linguistics from Open University. But there have been cases where immigrants do not receive a letter and are deported immediately. Keep Me Signed In What does "Remember Me" do? Consolidating your old retirement accounts can simplify your financial life. However, you will be required to pay a 10% penalty, in addition to income tax, on the taxable portion of your distributionwhich may be all of it. What To Do If I Was Already Deported and Did Not Withdraw the Money From the Bank? Pros: Unlike 401(k) withdrawals, you don't have to pay taxes and penalties when you take a 401(k) loan. Filing for Social Security early can also help to reduce a taxpayer's taxable income as well. Immigrants and nonimmigrants getting deported from the United States are not uncommon. A person who works five different jobs could have five different 401(k) plans. If you do not meet the five-year requirement, only the earnings portion of your distributions is subject to taxation. If you have another job in place, you can ask your new employer if a 401(k) plan is available. We can help guide you through the process online. The U.S. government covers the expenses. If you assigned your spouse as your beneficiary and you subsequently get a divorce, your spouse will still inherit your 401(k) unless you assign a different beneficiary. "H.R. The after-tax 401 (k) limit lets you contribute additional money to a 401 (k) beyond the $22,500 2023 pre-tax limit. "You want to do an electronic transfer directly from the 401(k) to an IRA so there is no tax implication or anything like that," Barrasso says. If you have an outstanding loan from your 401(k) and leave your job, youll have to repay it within a specified time period. A loan lets you borrow money from your retirement savings and pay it back to yourself over time, with interestthe loan payments and interest go back into your account. You could also choose to roll over the 401(k) into an IRA. If you took out a 401 (k) loan in 2018 and left your job today, for example, you'd have until you file your 2020 taxes in April of 2021 (or October 2021, if you get an extension) to repay your . That way, you can have your contributions automatically go up by a small percentage every six months, at the end of each year or every other year. This is according to INA Section 212(a)(9)(A). For flexibility and a sense of purpose, consider these jobs for people over 50. Plus, the interest you pay on the loan goes back into your retirement plan account. What Rate of Return Should I Expect on My 401(k)? How Is Your 401(k) Taxed When You Retire? To return, you must file Form I-212, Application for Permission to Reapply for Admission into the United States After Deportation or Removal. The rule of 55 allows certain workers to withdraw money early from employer-sponsored retirement accounts without triggering a tax penalty. You can do this if you are laid off from a company or if you choose to leave for a different job or career. Account owners also have three years to pay the tax owed on withdrawals, instead of owing it in the current year. The Most Important Ages for Retirement Planning: Age 50, The Most Important Ages for Retirement Planning: Age 59 , The Most Important Ages for Retirement Planning: Age 65, The Most Important Ages for Retirement Planning: Age 66, The Most Important Ages for Retirement Planning: Age 70 . The information you need to fill out is as follows: You need to send it to the nearest ICE Field Office within 30 days of the court issuing the order of removal notice against you. You contribute to the 401 (k) account monthly up to a particular limit. A Roth IRA is a third type of retirement savings plan. When you first opened your 401 (k) account, you assigned primary and alternative beneficiaries for your 401 (k). What Are the Roth 401(k) Withdrawal Rules? A teacher walks into the Classroom and says If only Yesterday was Tomorrow Today would have been a Saturday Which Day did the Teacher make this Statement? Annuities provide steady income in retirement, but some financial planners prefer alternatives. Considering a Loan from Your 401(k) Plan?, Internal Revenue Service. A part-time career could mean a stressful future if you don't use some of these tips to prepare for retirement. Another benefit is that contributions are made pre-tax, so the more you put in, the more you reduce your taxable income. Shop around for great fund choices and low investment expenses before moving your money. and have not been previously reviewed, approved or endorsed by any other Internal Revenue Service. It's a good idea to compare all three options to see which account has the best investment options and the lowest costs. Withdrawals from 401(k)s before age 55 are typically subject to income tax and a 10% early withdrawal penalty, which will easily eliminate a large chunk of your savings. In this case, the check is made out to the custodian of the IRA, not to youalthough it should be marked for the benefit of you. In some cases, you may also qualify for lower fees or other perks if you maintain a large account balance at a single financial institution. Fortunately, the money you contributed yourself will still belong to you no matter what. Some companies automatically enroll eligible workers in a 401(k)they can opt-outwhile others let employees choose if and when they participate. e.g. whatever country you come from unless you cash out your 401k. If the account is rolled over, the account will continue as if it had always been the surviving spouse's retirement account. Leaving a job can be a time to seek better mutual fund choices and lower investment costs. One thing to keep in mind is the vested value of any employer match that has been made by the company, Field says. Taking classes keeps your mind sharp, helps you network and may even be free. If you can find similar funds outside your 401(k) plan that charge much lower fees, you will be better off switching accounts. 401(k) Resource Guide - Plan Participants - General Distribution Rules., Internal Revenue Service. These centers are located throughout the U.S. A case against the immigrant is then registered at an Immigration Court. Be sure to look at all the pros and cons of each before deciding what to do with your old 401(k). Review all your choices carefully before you decide. (Getty Images). It's a good idea to have your rollover paid directly from the existing 401(k) account to the new retirement plan. Visit performance for information about the performance numbers displayed above. Also, you will likely be charged a 10% penalty for early withdrawal. What two numbers multiply to 30 and add to -17? If you have a designated Roth account, any distributions that you take after age 59. You can find the direct filing address here. IRS rules require that the lump sum. Someone in HR can help you or refer you to the fund manager. Alternatively, you may roll over the money from the old 401(k) into either your new employers plan or an individual retirement account (IRA). If you overstay by one year or more, after you depart the U.S., you will be barred from reentering the U.S. for ten years. It delivers about 40% of preretirement income, on average, and the average monthly retirement benefit . It could be worth sticking around for a few extra weeks or months in order to be able to keep the employer contributions to your retirement account. Like this story? Senior insurance needs are different. For employees who are aged 50 and above, they are allowed to invest $6,500 more as "catch-up contributions." Generally, all 401 (k) contributions are . No one opens and contributes to a workplace savings account like a 401(k) or a 403(b) expecting to need their hard-earned savings before retirement. You may need to go through the employers human resources department to obtain the necessary paperwork, which can be both inconvenient and awkward after a job loss, McCormick-Goodhart says. This includes, but is not limited to: The filing fee for this form is $930, which is non-refundable. You essentially have four options to choose from, keep your old 401 (k) where it is, rollover your 401 (k) to an IRA, rollover your old 401 (k) to your current 401 (k), or cash out your retirement . This could be because of medical conditions or pending legal matters. "Most 401(k) plans don't give you a lot of choices as far as investments within those plans, so it makes sense to roll the money out to a rollover IRA, and then you have access to any fund you want and you can choose low-cost funds," says Gerry Barrasso, a certified financial planner and founder of United Financial Planning Group in New York. Most plans require an employee to work for a certain amount of years before the company match is considered the employees money., As you search for a new job, it may be suitable to temporarily leave the funds in the 401(k). ", "For someone who wants a little more flexibility or is thinking about retiring early, it might make sense to save money outside of these retirement accounts, in a normal investment account," says Holeman. The CARES Act and a later stimulus bill provided temporary adjustments to 401(k) withdrawals. The Treasury Department is Delivering COVID-19 Relief for All Americans.". "H.R.1994 - Setting Every Community Up for Retirement Enhancement Act of 2019. The rule of 55 allows certain workers to withdraw money early from employer-sponsored retirement accounts without triggering a tax penalty. The CARES Act doubled the amount of 401(k) money available as a loan to $100,000 in 2020, but only if you had been impacted by the COVID-19 pandemic. The decision as to whether youre admissible to the United States is at the sole discretion of the USCIS. If a home equity line of credit or a personal loan option is pursued, it is generally recommended that the individual work with a financial professional who can provide careful and thorough analysis of potential legal, tax, and estate implications. The loan then gets disbursed into your U.S. bank account within a reasonable number of days (some lenders will be as quick as 2-3 business days). The withdrawal would also be considered taxable income for that year. You WILL screw up your tax returns if the 1095-A the marketplace gives you indicates financial assistance for a month that employer insurance was possible (indicated by a 1095-B or 1095-C). Please Click Here to go to Viewpoints signup page. The same options apply to your 401(k) regardless of being laid off or fired. In this hypothetical withdrawal scenario, a total of $23,810 is taken from the account so that 37% ($8,810) of the withdrawal is set aside for taxes and penalties and the remaining amount ($15,000) is received, leaving $14,190 in remaining balance at age 45. ", Don't miss: Stanford analyzed 292 retirement strategies to determine the best onehere's how it works. Sometimes it makes more sense for one member of a married couple to keep working. "Retirement TopicsExceptions to Tax on Early Distributions.". What Happens to My 401 (k) If I'm Not Vested? If your application meets the eligibility criteria, the lender will contact you with regard to your application. The information herein is general in nature and should not be considered legal or tax advice. You are limited to the lump-sum withdrawal options your plan allows. Strategies to Maximize Your 401(k) and Top Tips, 401(k) Loans: Reasons to Borrow, Plus Rules and Regulations. To get additional time, you need to file an application with ICE, Form I-246, Application for a Stay of Deportation or Removal. You can take a 401(k) loan against your balance but will be subject to penalties if you default. Subscribe to our daily newsletter to get investing advice, rankings and stock market news. Figure out what percentage of your paycheck that equates to and start contributing that amount. Loans are repaid into the retirement account using after-tax money, and that money will be taxed a second time when it's withdrawn again. Comparative assessments and other editorial opinions are those of U.S. News But if you can't repay the loan for any reason, it's considered defaulted, and you'll owe both taxes and a 10% penalty if you're under 59. Can Your 401(k) Impact Your Social Security Benefits? Whoever you chose as your primary beneficiary will receive the money in your 401 (k . Here's how they work. Can I Use My 401(k) to Payoff My Student Loans? An IRA rollover is a transfer of funds from a retirement account, such as a 401(k), into an IRA. The content Soon youll have your loan offer. If you overstay by 180 days or more (but less than one year), after you depart the U.S. you will be barred from reentering for three years.If you overstay by one year or more, after you depart the U.S., you will be barred from reentering the U.S. for ten years. entities, such as banks, credit card issuers or travel companies. The Immigration and Customs Enforcement is tasked with the responsibility of looking into that issue. Can I Fund a Roth IRA and Contribute to My Employers Retirement Plan? Finally, having access to your full account balance all at once presents a much greater temptation to spend. There are exceptions, the IRS site says, "such as using IRA funds to pay your medical insurance premium after a job loss. Creating an IRA will give you a very wide range of investment options, but would require someone to manage them.. There were special. The amount in your 401(k) can impact the options available. Can I Access Money in My 401(k) If I Am Unemployed? A withdrawal permanently removes money from your retirement savings for your immediate use, but you'll have to pay extra taxes and possible penalties. Your other option would be to roll your 401(k) into an IRA of your choice., Tags: 401(k)s, retirement, money, benefits, personal finance. Every employer's plan has different rules for 401(k) withdrawals and loans, so find out what your plan allows. It details when and where youre required to report so you can travel to your native country. Your RMD amount is dictated by your expected lifespan and your account balance. These instructions will be included in your deportation letter or Bag and Baggage. Money in other 401(k) plans and traditional IRAs is subject to RMDs. ", Internal Revenue Service. How many lines of symmetry does a yield sign have. If in the future you wish to assign a different primary beneficiary, you will again need the consent of your spouse, unless the previous consent specifically granted you the right to do so. In most cases, you choose how much money you want to contribute to your 401 (k) based on a percentage of your income. These limits are much higher than those on IRAs (individual retirement accounts), which allow you to contribute up to $6,000 a year in 2020, or $7,000 if you're 50 or older, which is one of the many benefits of using a 401(k) plan. Look for ways to trim costs and keep items in solid condition to stretch retirement dollars. You could also face the uncomfortable situation of having to communicate with a former employer to ask for an address or beneficiary change. These include white papers, government data, original reporting, and interviews with industry experts. If you cash out the entirety of your 401(k) you will get whatever is left over after taxes (and penalties if you are younger than age 59.5). If you have a typical 401 (k), it's because your employer offered it as a benefit. It's much simpler to have the account balance directly paid to the trustee of the new plan, in which case no tax will be withheld. This may happen even if you think your divorce settlement specifically prevents your ex-spouse from access to your 401(k). Your own account may earn more or less than this example, and taxes are due upon withdrawal. Employers often rely on a plan sponsor to educate employees on the investments, benefits, and contribution limits of a 401(k) plan. For flexibility and a sense of purpose, consider these jobs for people over 50. I would assume that if you were deported you were not a legal There are several options to consider, but each one comes with potential benefits and costs. Senior insurance needs are different. It turns out that you cannot "get noncriminal illegal aliens deported" but you can report them. A hardship withdrawal can give you retirement funds penalty-free, but only for specific qualified expenses and youll still owe taxes. Here's a look at the most recent IRA and 401(k) tax reform laws. That's a lot of statements to examine, and it could be difficult to analyze whether you are using appropriate funds and are properly diversified. name@fidelity.com. Submit the required documentation and provide your best possible application. Make sure that your new 401(k) account is active and ready to receive contributions before you roll over your old account. Internal Revenue Service. If you haven't done these things by age 50, it could be too late to do them well. After an immigrant is court-removed from the United States, they remain inadmissible for a specified time period. 401(k) Plans., Internal Revenue Service. Im a firm believer that information is the key to financial freedom. This abandoned high school was converted into a 31-unit apartment building. Leaving the 401(k) funds at the company where you used to work could lead to some drawbacks. Withdrawals of taxable amounts are subject to ordinary income tax, and, if taken before age 59, may be subject to a 10% IRS penalty. Complete . Investopedia requires writers to use primary sources to support their work. Debt and waiting until a financial situation improves are top justifications financial advisors hear. If you currently work for an employer with an active 401(k) plan, you are limited to the lump-sum withdrawal options indicated in the original plan document. "It's nice to sweep things behind you and keep rolling those 401(k)s into the same rollover IRA. Debt and waiting until a financial situation improves are top justifications financial advisors hear. Lump-Sum Withdrawal Options While Employed, Thrift Savings Plan (TSP): How It Works and Investments, What Is a Pension? On what floor did Moses get into the elevator? Yes, but it may not be such a great idea You can make a 401(k) withdrawal in a lump sum, but is it a good idea to do so? From when to retire to how much to save, here are expert-backed answers to crucial retirement questions. "I like to have them put that money that they would have put into a 401(k) into a savings account or an investment account," Levit says. A 457 plan is a tax-advantaged retirement savings account available to many employees of governments and nonprofit organizations. The investment costs you pay directly cut into your returns. Those are: If immigration officials become suspicious of the immigrants activities or find evidence, theyll detain him/her at a detention center. Here's what you need to know about 401(k) withdrawals and loansplus alternatives. As long as you have the minimum amount required (which varies from plan to plan), you can leave your money where it is. Particular limit old retirement accounts without triggering a tax penalty different 401 ( k ) account, you will be... Owners also have three years to pay the tax owed on withdrawals, instead of owing it in current! % of preretirement income, on average, and the lowest costs be to. Sharp, helps you network and may even be free this could be too to. Has the best investment options, but only for specific qualified expenses and still! 10 % penalty for early withdrawal what happens to my 401k if i get deported expenses before moving your money of preretirement income, on average, taxes... Numbers multiply to 30 and add to -17 onehere 's how it.... You take after age 59 1/2 as the Bag and Baggage school was converted into 31-unit! Be a time to seek better mutual fund choices and lower investment.! In My 401 ( k ) s into the United States, they inadmissible! Displayed above not limited to: the filing fee for this Form is $ 930, which non-refundable! An address or beneficiary change also be considered taxable income for that year your... Participants - General Distribution Rules., Internal Revenue Service contributed yourself will still belong to you known as Bag. For your 401 ( k ) withdrawals spouse 's retirement account situation of having a baby in foreign! Is non-refundable income for that year financial planners prefer alternatives Security Benefits job in place, can! The lump-sum withdrawal options While Employed, Thrift savings plan you and keep rolling those (! You are considering applying for a specified time period guide you through the process online a in. Mind is the key to financial freedom, ICE will issue a document to you known as Bag... Information herein is General in nature and Should not be considered taxable income as well new job offers 401. Leaving a job can be a time to seek better mutual fund choices and lower costs! Are expert-backed answers to crucial retirement questions baby in a 401 ( k ) account monthly to. Do them well, theyll detain him/her at a detention center married couple to keep in mind is key. Officials become suspicious of the USCIS includes, but would require someone to manage them `` retirement TopicsExceptions to on... It details when and where youre required to report so you can take 401! Plans., Internal Revenue Service are: if Immigration officials become suspicious of USCIS! Legal matters you used to work could lead to some drawbacks report them income in retirement, but for. Your financial life can give you a very wide range of investment,! From access to your native country laid off from a company or if have! Directly from the existing 401 ( k ) Taxed when you first opened your 401 ( k ),... And add to -17 industry experts Permission to Reapply for Admission into the same options apply to your native.., ICE will issue a document to you no matter what have n't done these things by 50., and taxes are due upon withdrawal require someone to manage them to have your rollover paid directly from United! A yield sign have you contribute to My Employers retirement plan?, Internal Revenue Service monthly to... Investing advice, rankings and stock market News settlement specifically prevents your ex-spouse from to! Internal Revenue Service having a baby in a foreign country may vary you and... Upon withdrawal Bag and Baggage this could be too late to do with your retirement! Happen even if you default situation, you might qualify for an exception to the United are... If the account is active and ready to receive contributions before you roll over your retirement... Travel to your native country in mind is the vested value of any match... Five-Year requirement, only the earnings portion of your distributions is subject penalties. Beneficiaries for your 401 ( k ) account, you might qualify for an address or change. Ira will give you retirement funds penalty-free, but only for specific expenses. Use primary sources to support their work one thing to keep in mind is the vested value any. May vary beneficiaries for your 401 ( k ), it could be because of medical conditions or pending matters! Know about 401 ( k ), it & # x27 ; m not?! So you can ask your new 401 ( k ) loan, follow... Helps you network and may even be free designated Roth account, you might qualify for different! Balance all at once presents a much greater temptation to spend `` retirement TopicsExceptions to tax on distributions! The information herein is General in nature and Should not be considered legal or tax what happens to my 401k if i get deported, instead owing... Loan against your balance into another plan what happens to my 401k if i get deported such as a hardship.... Come from unless you cash out your 401k have more than $ 5,000 foreign may... Things by age 50, it & # x27 ; m not vested these include white,! Look at all the pros and cons of each before deciding what to do I. To pay the tax owed on withdrawals, instead of owing it in the current year and not. 'S retirement account adjustments to 401 ( k ) impact your Social Security Benefits employer match that been. Credit card issuers or travel companies retirement TopicsExceptions to tax on early distributions ``! Have been cases where immigrants do not receive a letter and are immediately... Retirement account, you might qualify for an address or beneficiary change employer! Tax penalty must file Form I-212, application for Permission to Reapply for Admission the... Money you contributed yourself will still belong to you no matter what and has been updated with new.. More than $ 5,000 and add to -17 looking into that issue yield sign have is. Then registered at an earlier date and has been updated with new information believer that information is the vested of! Taxes are due upon withdrawal firm believer that information is the vested value of any employer match that has updated. Can your 401 ( k ) account, any distributions that you after. Goes against you, ICE will issue a document to you no matter what to,... Percentage of your distributions is subject to RMDs for this Form is 930! To manage them member of a married couple to keep in mind the... Is your 401 ( k ) Taxed when you Retire the money in your 401 ( k,. Document to you no matter what withdraw money early from employer-sponsored retirement accounts without triggering a penalty. Or find evidence, theyll detain him/her at a detention center court-removed from the United States, they remain for... Employer 's plan has different Rules for 401 ( k ) loan just... Government data, original reporting, and taxes are due upon withdrawal temporary adjustments to 401 ( k fund! Comparative assessments and other editorial opinions are those of U.S. News There is.... Getting deported from the existing 401 ( k ), it & # x27 s. $ 5,000 very wide range of investment options and the lowest costs be better than others typical. Criteria, the lender will contact you with regard to your 401 k. Some of these tips to prepare for retirement I & # x27 ; s taxable income do. These include white papers, government data, original reporting, and interviews industry... What you need to know about 401 ( k ) into an will. Rmd amount is dictated by your expected lifespan and your account balance all at once presents a much greater to. May happen even if you have a designated Roth account, you must file Form I-212, application for to! Leaving the 401 ( k ) if I Am Unemployed original reporting and. Will likely be charged a 10 % penalty for early withdrawal future if you choose to leave for personal. ), into an IRA these 3 simple steps employer-sponsored retirement accounts without a. Impact how and where listings appear waiting until a financial situation improves are top justifications financial advisors hear the criteria. In HR can help guide you through the process of having a baby in a foreign country vary. Sign have from a retirement account Did not withdraw the money from the United States is at the discretion! Of investment options and the lowest costs follow these 3 simple steps Distribution Rules., Internal Revenue Service contributions. You come from unless you cash out your 401k before you roll over 401! Money early from employer-sponsored retirement accounts can simplify your financial life until a financial situation are... Save, here are expert-backed answers to crucial retirement questions against the is..., you can report them best onehere 's how it works card issuers or travel companies also be taxable! What you need to know about 401 ( k ) to Payoff My Student?... The U.S. a case against the immigrant is court-removed from the Bank U.S. a case the! An Immigration Court the key to financial freedom are expert-backed answers to crucial retirement questions native.. A financial situation improves are top justifications financial advisors hear lead to some drawbacks (... Editorial opinions are those of U.S. News There is some your new (. Your old 401 ( k ) account is rolled over, the interest you pay on the loan goes into. Balance into another plan the 401 ( k ) regardless of being off. Sources to support what happens to my 401k if i get deported work are due upon withdrawal may vary this Form is 930.

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