professional career. Marcia is a trainee for a management position at a large department store, and

administrative success. Marcia is a trainee for a treatment aspect at a liberal portion accumulation, and Phil is an engineer at an electronics fixed. Their successs keep hopeful futures, but neither has exceptionally amiable-natured-natured pay guard in the circumstance of a layoff. The Helms keep saved environing $9500, and $6500 of it is in a 2.5% savings representation at the security connection where Phil works. They keep encircling $600 in a methodic staying representation (delay Mid-City Bank) that doesn't pay any cause. The Helms' wholly assume abode pay is encircling $5000/month, and Phil thinks they should assume the $7400 out of their savings and endue in the hoard trade to achieve a improve repay. He points out that, yet their estate insurance policies, they keep no other enduements. Given the ordinary economic stipulations, Marcia thinks this intention government be too intrepid, but she does acquiesce that the 2.5% furnish-in is not very amiable-natured. Recently, at a policy, a companion suggested they assume out missive of deposit (CDs) delay hanker maturities accordingly the CDs were paying environing 4.5% in cause. The Helms exoteric her advice and stopped at Phil's security connection to get past advice on the CDs. After talking delay the station superintendent for a while, though, they became past chaotic. He didn't grace CDs; although, the connection had them useable. He telling out that cause rates on the new money trade representations were environing 4% and didn't insist-upon "freezing" your money for a year or past. He as-well involved that the connection could prproffer a super NOW representation that would suffer the Helms to hinder their ordinary sterile staying representation delay Mid-City. This representation would furnish them infinite stay communication privileges delay no use jaw and would pay 3% cause; still, it would insist-upon a poverty estimate of $2500. If their estimate went adown the poverty in a month, cause would be singly 2%. The Helms left the security connection delayout taking any force. They keep asked you for advice on managing their melting deposits. In 3-4 paragraphs, tally the aftercited questions. Do you affect the Helms' $9500 melting estimate is adequate? Explain. Explain the referring-to risks and possible advantages of CDs. Explain lower what term(s) you would advise them for the Helms. Do you acquiesce delay Phil that some of their funds should be endueed in the hoard trade? Explain. What are your adviseations for a coin treatment intention for the Helms?