1- Which of the following is not an acceptable method for overcoming a retirement shortfall?

a. cut back on expense before retirement.

b. invest a large portion of a retirement portfolio in a high-risk investment to obtain a higher return.

c. increase pre-retirement savings.

d. retire later.

e. tap into home equity.

2- Minnie and Micky Pluck are married filing jointly in 2013. Minnie earns $60.000 a year and takes full advantage of her employer's qualified retirement plan. Micky is not employed.

a. Micky can receive a full deduction for an IRA contribution.

b. Micky can receive a partial deduction for an IRA contribution.

c. both Micky and Minnie can make a nondeductible IRA contribution.

d. Micky cannot make an IRA contribution.

e. Minnie can make a nondeductible IRA contribution, but Micky cannot make an IRA contribution because he has no earned income.

3- A tax-free rollover of a Roth IRA can be made to

a. another Roth IRA.

b. a traditional IRA.

c. a tax-deferred annuity.

d. a and b .

e a and c ,