According to Nan Lin, which of the following types of capital adds value through information, influence, and personal reinforcement?

A Roth IRA is likely to be preferred over a traditional tax deductible IRA if

A) your marginal tax rate is expected to be less in your retirement years. B) your marginal tax rate is expected to be the same in your retirement years as in your pre-retirement years. C) your marginal tax rate is expected to be higher in your retirement years. D) future withdrawals are subject to five-year tax-averaging.

If your before-tax cost of a home equity loan is 12 percent and you are in the 30 percent marginal tax bracket, your after-tax cost of the home equity loan is 9 percent

Indicate whether this statement is true or false.