Chip conley, ceo of joie de vivre, could see that his company was about to collapse. he went to a bookstore for and ended up reading maslow's hierarchy which resulted in conley identifying two values that became central to the organization's culture. those two values included: recognition and meaning achievement and respect integrity and teamwork commitment and engagement

You wish to retire in 13 years, at which time you want to have accumulated enough money to receive an annual annuity of $23,000 for 18 years after retirement. during the period before retirement you can earn 9 percent annually, while after retirement you can earn 11 percent on your money. what annual contributions to the retirement fund will allow you to receive the $23,000 annuity? use appendix c and appendix d for an approximate answer, but calculate your final answer using the formula and financial calculator methods.