28.Assuming an interest rate of 3.97%, compute how much income you will have each month if you save $500 each month for the next 37 years ( and then retire) and then use the accumulated money to buy an annuity of equal monthly payments for u+2 years ( or, equivalently an annuity for life when your life expectancy is u+2 years more at that time)

29. compute the final balloon payment (due at the end of the mortgage) on a 7 year $545,000 mortgage with a quoted apr of 4.36% that has constant monthly paymenta of $3142+u dollars per month for 7 years.

u=12