Question 13 (2 points) A Roth IRA is beneficial to those who expect to pay a ..... retirement than before retirement. O higher O lower O negative O positive O zero income tax rate after Question 14 (2 points) If you are ....... the IBM stock, you want the IBM stock price to _______ for a profit. O a) long; be short O b) short; be long O c) long; increase O d) short; increase O e) long; decrease