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nandez Need to Save Money Fast The Hernandez family is experiencing some financial pressures, even though the couple has a combined income of $81,000. Also, their eldest son, Joseph, will start co contemplating going to work full time to add about $34,000 to the family's annual income. a. How will this change in income affect the family's emergency fund needs? The input in the box below will not be graded, but may be reviewed and considered by your instructor. blank b. How much should they save annually for the next three years if they want to build up Joseph's college fund to $34,500, assuming a 5 percent rate of return and ign your answer to nearest dollar. (Hint: Use Appendix A-3 or visit the Garman/Forgue companion website.) Round Future Value of a series of Equal Amounts in interme places. $ 10944 c. Given their 25 percent marginal tax rate, what is the Hernandezes' after-tax return on their savings? Round your answer to two decimal places. 3.75 % Given their after-tax return, how much would they need to save each year? Round your answer to nearest dollar. Round Future Value of a series of Equal Amounts i decimal places. $ 11162 d. What savings options are open to the Hernandezes that could reduce or eliminate the effects of taxes on their savings program? The input in the box below will not be graded, but may be reviewed and considered by your instructor. blank CH (Used to Compute the Compounded Future Value of a Stream o UI equal Amounts (an Annuity of $1 Pa n 1% 2% 3% 4% 5% 1 1.0000 6% 1.0000 7% 8% 1.0000 9% 10% 11% 1.0000 12% 13% 2 1.0000 2.0 100 1.0000 2.0 200 1.0000 1.0000 2.0300 1.0000 1.0000 2.0400 1.0000 1.0000 1.0000 2.0500 3 2.0600 3.0301 2.0700 3.0604 2.0800 2.0900 2. 1000 3.0909 2.1 100 2.1200 2.1300 3.1216 3.1525 3.1836 4 4.0604 3.2149 4.1216 3.2464 3.2781 3.3100 3.3421 4.1836 33744 3.4069 4.2465 43101 4.3746 4.4399 5 5.1010 4.5061 4.5731 4.64 10 4.7097 5.2040 4.7793 5.3091 4.8498 5.4163 5.5256 5.6371 5.7507 5.8666 5.9847 6.1051 6.2278 6 6.3528 6.1520 6 A803 6.3081 6.4684 6.6330 6.8019 6.9753 7.1533 7.3359 7.5233 7.7156 7.9129 8.1152 8.3227 7 7.2135 7.4343 7.6625 7.8983 8.1420 8.3938 8.6540 8.9228 9.2004 9.4872 9.7833 10.0890 10.4047 8 8.2857 8.5830 8.8923 9.2142 9.5491 9.8975 10.2598 10.6366 11.0285 11.4359 11.8594 12.2997 12.7573 9 9.3685 9.7546 10.1591 10.5828 11.0266 11.4913 11.9780 12.4876 13.02 10 13.5795 14.1640 14.7757 15.4157 10 10.4622 10.9497 11.4639 12.0061 779 13.1808 13.8164 14.4866 15.1929 15.9374 16.72 20 17.5487 18.4197 11 11.5668 12.1687 12.8078 13.4864 14.2068 14.9716 15.7836 16.6455 17.5603 18.5312 19.56 14 20.6546 21.8143 12 12.6825 13.4121 14.1920 15.0258 15.9171 16.8699 17.8885 18.9771 20.1407 21.3843 22.7132 24.1331 25.6502 21.4953 18.8821 17.7130 16.6268 15.6178 14.6803 20.1406 22.9534 13.8093 13 24.52 27 26.2116 28.0291 29.9847 19.5986 21.0151 18.2919 24.2149 22.5505 26.0192 17.0863 27.9750 30.0949 32.3926 34.8827 14.9474 14 15.9739 23.2760 21.5786 27.1521 25.1290 29.3609 31.7725 20.0236 34.4054 37.2797 40.4 175 15 18.5989 17.2934 16.0969 27 8881 25.6725 23.6575 30.3243 33.0034 35.9497 39.1899 42.7533 46.6717 21.8245 20.1569 18.6393 17.2579 16 30.8402 28.2129 36.9737 33.750 2 40.5447 25 8404 44.5008 48.8837 53.7391 23.6975 21.7616 18.4304 17 20.0121 30.9057 37.4502 33.9990 41.3013 45.5992 50.3959 55.7497 61.7251 28.1324 25.6454 23.4144 19.6147 18 21.4123 37.3790 33.7600 41.4463 46.0185 51.1591 56.9395 63.4397 70.7494 25.1 169 30.5390 276712