You and your spouse are both 40 years old. You earn $55,000 and your spouse earns $35,000 per year. You estimate you can live comfortably on a minimum of 75% of your combined salaries in retirement, but hope to achieve more than that. You both plan to retire at age 62 and move to a warmer climate. You've changed jobs three times already in your career.
With your first employer, you are vested in a defined-benefit plan with a fixed monthly payment of $315 if you begin taking benefits at age 62. With your second employer, you had a 401(k) that you rolled into an IRA that is now valued at $30,000. With your current employer, you have a 401(k) that is valued at $11,000. Your spouse has a 401(k) that is currently worth $10,500. You assume you will both live 20 years beyond retirement.
Required:
1. Your current expectation is that together, you and your spouse, will require a minimum annual income of in retirement (in today's dollars).

Why are the four primary service outputs of spatial convenience, lot size, waiting time, and product variety important to logistics management? provide examples of competing firms that differ in the level of each service output provided to customers?

Verizon communications, inc., provides the following footnote relating to its leasing activities in its 10-k report. the aggregate minimum rental commitments under noncancelable leases for the periods shown at december 31, 2010, are as follows: years (dollars in millions) capital leases operatingleases 2011 $97 $1,898 2012 74 1,720 2013 70 1,471 2014 54 1,255 2015 42 1,012 thereafter 81 5,277 total minimum 418 $ 12,633 rental commitments less interest and (86) executory costs present value of 332 minimum lease payments less current (75) installments long-term obligation $257 at december 31, 2010 (a) confirm that verizon capitalized its capital leases using a rate of 7.4 %. (b) compute the present value of verizon's operating leases, assuming an 7.4% discount rate and rounding the remaining lease term to 3 decimal places. (use a financial calculator or excel to compute. do not round until your final answers. round each answer to the nearest whole number.)

Yowell company granted a sales discount of $360 to a customer when it collected the amount due on account. yowell uses the perpetual inventory system. which of the following answers reflects the effects on the financial statements of only the discount? assets = liab. + equity rev. − exp. = net inc. cash flow a. (360 ) = na + (360 ) (360 ) − na = (360 ) (360 ) oa b. na = (360 ) + 360 360 − na = 360 na c. (360 ) = na + (360 ) (360 ) − na = (360 ) na d. na = (360 ) + 360 360 − na = 360 na