4. EFFECTIVE INTEREST RATE You borrow $230,000; the annual loan payments are $20,430.31 for 30 years. What interest rate are you being charged? 5. UNEVEN CASH FLOW STREAM Find the present values of the following cash flow streams at a 5% discount rate. Stream A Stream B $0 $0 $150 $250 $450 $450 $450 $450 $450 $450 $250 $150 Stream A Stream B 6. FUTURE VALUE OF AN ANNUITY Your client is 26 years old. She wants to begin saving for retirement, with the first payment to come one year from now. She can save $8,000 per year, and you advise her to invest it in the stock market, which you expect to provide an average return of 10% in the future. If she follows your advice, how much money will she have at 657 How much will she have at 70? She expects to live for 20 years if she retires at 65 and for 15 years if she retires at 70. If her investments continue to earn the same rate, how much will she be able to withdraw at the end of each year after retirement at each retirement age