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NEW QUESTION: 1
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. municipal bond fund
C. aggressive growth stock fund
D. life insurance
Answer: B
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 Contributions to a Roth IRA are made out of after-tax income, but the contributions themselves can be withdrawn at any time without penalty if Paul and Paula run into some unexpected expenses, and the earnings grow tax-deferred and will be completely tax-free if they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.

NEW QUESTION: 2
A Cisco Unity Connection administrator receives a name change request from a voice-mail user, whose Cisco Unity Connection user account was imported from Cisco Unified Communications Manager. What should the administrator do to execute this change?
A. Change the user data in the Cisco Unified Communications Manager administration page, then use the Synch User page in Cisco Unity Connection administration to pull the changes from Cisco Unified CM.
B. Change the user data in Cisco Unity Connection and Cisco Unified Communications Manager separately.
C. Change the user data in the Cisco Unity Connection administration page, then use the Synch User page in Cisco Unity Connection administration to push the change to Cisco Unified Communications Manager.
D. Change the user profile from Imported to Local on Cisco Unity Connection Administration, then edit the data locally on Cisco Unity Connection.
E. Change the user data in the Cisco Unified Communications Manager administration page, then use the Synch User page in Cisco Unified CM administration to push the change to Cisco Unity Connection.
Answer: A

NEW QUESTION: 3
You have a Microsoft Exchange Server 2019 organization.
You are configuring backups of a server that has a single mailbox database named MDB01. The database file is in a folder named MDB01 on drive E, and the log files that are in a folder named MDB01 on drive F.
You need to back up the server to meet the following requirements:
* Ensure that all the logs truncate automatically after a backup
* Ensure that all the logs replay automatically when restored
* Minimize the amount of storage used for the backups.
Which two items should you select for the backups? To answer, select the appropriate items in the answer area.
NOTE: Each correct selection is worth one point.

Answer:
Explanation: