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18. Calculating Future Values (LO1] You have just made your first $5,000 contribu- tion to your retirement account. Assuming you earn a return of 10

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18. Calculating Future Values (LO1] You have just made your first $5,000 contribu- tion to your retirement account. Assuming you earn a return of 10 percent per year and make no additional contributions, what will your account be worth when you retire in 45 years? What if you wait 10 years before contributing? (Does this suggest an investment strategy?)

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