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4. If you deposit $120 per month for two years, starting one month from now and then increase your deposit to $300 per month for

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4. If you deposit $120 per month for two years, starting one month from now and then increase your deposit to $300 per month for 18 more months, what single amount could you have deposited 9 months ago that would accumulate the same amount of money 10 years from now as your 42 deposits? Use an interest rate of 12% per year compounded quarterly

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