5. Annual Earnings. Alicia and Juan Selenas, of Youngwood, Pennsylvania, hope to sell their large home for $280,000 and retire to a smaller residence valued at $150,000. After they sell the property, they plan to invest the $130,000 in equity ($280,000  $150,000, omitting selling expenses) and earn a 4 percent after-tax return. Approximately how much annual income will be earned? Use Appendix A.4 or the Garman/Forgue companion website to solve for the answer.