4. Cecilia Thomas is 25 years old and is planning to invest $ 3,000 annually in an IRA that pays 9.75% compounded annual interest, until she retires at age 65. How much money will Cecilia have for her retirement? (5 points) 5. How much would you pay today for a perpetuity of $ 1,000 per year if the prevailing interest rate is 5.25%? (5 points) 6. For how much would you buy a preferred stock that pays $ 5 annual dividend if you require a 12% annual interest yield? (5 points)