Which of the following describes a potential risk for facing online predators?
a. tammy's little sister starts visiting online chat rooms to make friends.
b. jamal uses predictable passwords like "1234."
c. terry does a lot of online shopping.
d. rochelle's younger brother opens every email he receives, even when he doesn't know the sender.

Your sister turned 35 today, and she is planning to save $60,000 per year for retirement, with the first deposit to be made one year from today. she will invest in a mutual fund that's expected to provide a return of 7.5% per year. she plans to retire 30 years from today, when she turns 65, and she expects to live for 25 years after retirement, to age 90. under these assumptions, how much can she spend each year after she retires? her first withdrawal will be made at the end of her first retirement year.