14. What is the future value of an ordinary annuity of $62,000 for 4 years, if interest rates are 6 percent?

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15. What is the future value of the same annuity due?

16. What is the present value of a $510,000 cash flow to be received at the beginning of each of the next 15 years from an account that earns an annual rate of 9%?

17. What is the present value of an annual payments of $3,500 discounted back 9 years at an annual rate of return of 3%?

18. What is the future value of a series of $35,600 quarterly payments received at the end of each quarter for the next 7 years if invested at an annual rate of return of 7.5% compounded quarterly?