16. An initial investment costs a company $250,000. The cash flows should be $75,000, $95,000, and $125,000. What is the timeline of the investment? If the discount rate is 9%, what is the NPV?

18. You receive $10,000 on your wedding day from a rich uncle. You decide to save the money for your first childs college. If you need $250,000 to pay for the childs school and will save for 20 years, what is the monthly return or interest rate you need to receive on your money?