12- Suppose I want to be able to withdraw $5,000 at the end of five years and withdraw $6,000 at the end of six years, leaving a zero balance in the account after the last withdrawal. If I can earn 5% on my balances, how much must deposit today to satisfy my withdrawals needs? Given: Hint -- There are two different future values. Treat as two separate present values, then combine. 13- Suppose you deposit $100,000 in an account today that pays 6% interest, compounded annually. How long does it take before the balance in your account is $500,000? 14- How long does it take for your money to grow to ten times its original value if the interest rate of 5% per year