38. How much would you need to invest at 6% interest on 12/31/2008, in order to accumulate $1,850 on 13/31/20157 39. A series of cash flow starts at $1,000 at the end of the first year and increases each year for the next 9 years, Assume an interest rate of 7% a. Determine the future worth if the yearly increase is $100. b. What will be future worth if the yearly increase is at the rate of 5%