Question Four 4A). Elizabeth, age 30, is thinking about investing for retirement. She plans to retire when she turns age 65. At that time, she will need $3.15 million in assets. She has calculated that inflation will average 3.00% over her lifetime. If she can earn an average annual 11.00% rate of return, what will be her real rate of return? Real Rate of Return= [(1+Nominal Return)/ (1+Inflation Rate)] -1 4B). Joe has cash in a savings account totaling $12000, and his monthly expenses are $4000. What is his emergency fund ratio? a 4C). Nancy, age 55, is self-employed and has never made a lot of money. But, she has consistently saved $4608 per year into a traditional IRA. Over the years, she has taken full advantage of the tax law and deducted each year's contribution from her tax return. If Nancy started saving at age 25 and has earned an average annual return of 5%, how much is the account worth today? 4D). What is the APR for a loan that charges 3.1% every 30-day payment period