1. Calculate the present value of the following cash flow stream, at a discount rate of 7%. 2. Calculate the effective annual rate for a credit card that charges you 19.99% APR compounded daily. 3. You purchased a home for $400,000. That home is now valued at $600,000. At a discount rate of 6%. How long (in years) have you owned this home? 4. You buy a car for $20,000, paying $5,000 down in cash, and financing the balance for 36 months at 5% compounded monthly. Calculate the monthly payment. 5. Ten years ago you invested $2000 in a retirement account. THe balance today is $10,000. Assuming monthly compounding, calculate your annual return on this investment