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NEW QUESTION: 1
Which of the following is mobile device remote fingerprinting?
A. Retrieving the serial number of the mobile device
B. Identifying a device based on common characteristics shared by all devices of a certain type
C. Storing information about a remote device in a cookie file
D. Installing an application to retrieve common characteristics of the device
Answer: B
NEW QUESTION: 2
Universal Containersは、宣言型開発のみを使用して新しいSalesforceアプリケーションを構築することにしました。アプリケーションのデータベース層を構築するために使用すべき3つのオプションはどれですか。 3つの答えを選んでください
A. Relationships
B. Process Builder
C. Roll-Up Summaries
D. Custom Objects and Fields
E. Triggers
Answer: A,B,C
NEW QUESTION: 3
Paul is 36 years old and is married with two children, ages eight and ten. Paul lays carpet for a living, working as an independent contractor, and earns about $35,000 a year. His wife, Paula, is 33 years old, drives a school bus and earns only $18,000 a year, but her job provides the family with low-cost health insurance. They live conservatively and barely make ends meet. Paula recently inherited $180,000, however, and the couple would like to invest it, with the goal that they can both retire when Paul turns 62.
The inheritance also included an educational endowment for their children, so they will not have to worry about saving for their children's college educations.
Which of the following would not be a suitable recommendation for the allocation of their investment monies?
A. Roth IRA
B. life insurance
C. municipal bond fund
D. aggressive growth stock fund
Answer: C
Explanation:
Explanation/Reference:
Explanation: Given that their combined income is only $53,000, Paul and Paula's marginal tax rate is low, so a municipal bond fund would not be a good recommendation for the allocation of their investment monies. Municipal bonds offer lower returns, and the couple would get little or no benefit from the tax-free interest income that these bonds provide. Their investment horizon is long enough (26 years) for them to invest some of their money in an aggressive growth stock fund, which has higher risk but also provides the higher expected returns that they may need to be able to retire when Paul turns 62. A Roth IRA is preferred over a traditional IRA in their situation. Although the traditional IRA would allow them to deduct their contributions, they already pay little or no taxes. Contributions to a Roth IRA are made out of after-tax income, but the contributions themselves can be withdrawn at any time without penalty if Paul and Paula run into some unexpected expenses, and the earnings grow tax-deferred and will be completely tax-free if they make no withdrawals until the age of 59 ½. Given the ages of their children, a life insurance policy that will help provide for them if one or both of the parents die, should be strongly recommended.