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NEW QUESTION: 1
Your nephew has asked you to help him formulate a financial plan for his family. Scott is 27 years old and has been employed as an associate with a law firm for two years. Sarah, his wife, is 26 years old and works in the human resources department of a large corporation. The couple is childless now, but they plan to begin a family in a few years. Together, they have accumulated $10,000 in a savings account and recently inherited $40,000 cash. They expect to be able to start saving at least $5,000 annually since their incomes more than meet their current needs. They each have employer-provided health insurance and retirement plans. Both have excellent upward mobility potential in their careers. They currently pay taxes at the marginal rate of 15%. Scott tells you that although they regularly read some of the more popular financial investment magazines, neither feels particularly knowledgeable about the world of investments.
Based on this information, which of the following statements is true?
A. A greater than average percentage of their money should be invested in municipal bonds to minimize their currently high tax bill.
B. Purchasing power risk is not an issue in their situation.
C. Although some money should be allocated to bond funds for diversification purposes, bond funds should be underweighted in favor of stock funds.
D. A greater than average percentage of their money should be invested in money market mutual funds to meet their needs for liquidity.
Answer: C
Explanation:
Explanation/Reference:
Explanation: Given that Scott and Sarah already have a nice nest egg started at their relatively young ages and are expecting to be able to contribute more to it, with no obvious need for current income, some of their money should be allocated to bond funds for diversification purposes, but bond funds should be underweighted in favor of stock funds. Purchasing power risk is an issue for them, and bond funds do not provide the inflation hedge that stock funds do. At the current time, municipal bond funds should not be selected since they pay taxes at a low marginal tax rate. This allocation may need to be changed down the road a bit as their tax rate (and other circumstances) change. Only a minimal amount of money should be allocated to a money market fund since the couple has no need for current income, and money market funds offer low returns.
NEW QUESTION: 2
전사적 비즈니스 연속성 (BC) 프로그램을 채택하려면 다음 중 어떤 것이 필요합니까?
A. 재해 복구 (DR) 프로젝트 팀 구성
B. 잘 문서화 된 정보 자산 분류
C. 조직 전체의 원활한 커뮤니케이션
D. 완료된 비즈니스 영향 분석 (BIA)
Answer: B
NEW QUESTION: 3
IPv4パブリックアドレスの枯渇を緩和するために作成されたRFCはどれですか？
A. RFC 1519
B. RFC 1918
C. RFC 4193
D. RFC 1518
Answer: B
NEW QUESTION: 4
How much did Nancy pay for her new air-conditioner?
(1) Nancy paid 12 payments, one every month.
(2) On April, Nancy paid $130.
A. Statements (1) and (2) TAKEN TOGETHER are NOT sufficient to answer the question, requiring more data pertaining to the problem.
B. Statement (2) BY ITSELF is sufficient to answer the question, but statement (1) by itself is not.
C. Statement (1) BY ITSELF is sufficient to answer the question, but statement (2) by itself is not.
D. Either statement BY ITSELF is sufficient to answer the question.
E. Statements (1) and (2) TAKEN TOGETHER are sufficient to answer the question, even though NEITHER statement BY ITSELF is sufficient.
Answer: A
Explanation:
Explanation/Reference:
Explanation:
Statement (1) tells us that Nancy paid one statement every month.
Statement (2) gives us a specific payment on a specific month.
Each statement by itself is insufficient and (1) and (2) together are also insufficient since it is not mentioned that the all the payments are equal.