Brown algae is a common occurrence in a newly set up aquarium. It is generally caused by too little light, an excess of silicates, an abundance of nutrients, and too little oxygen. Silicates can build up through tap water that is high in silicic acid, and silicates that leech from some types of substrates. Cure.
For whatever reason, 59.5 years is the age at which you can start withdrawing funds from your 401K without penalty. Before 59 and 1/2, the penalty for early withdrawal is 10% of the taxable amount of your withdrawal.
1. 401K Hardship Withdrawal Rules. In order to discourage you from taking early withdrawals from your 401K plan, the IRS imposes a 10% early withdrawal penalty if you are younger than 59-1/2.. A penalty-free withdrawal allows you to withdraw money before age 59-1/2 without paying a 10% penalty. It does not, however, mean tax-free. You will still have to pay taxes at ordinary income-tax rates.