5. Suppose you need $15,000 in 3 years. If you can earn 6% annually, how much do you need to invest today? Also, If you could invest the money at 8%, would you have to invest more or less than at 6% ? How much? 6. Find the following values assuming an ordinary annuity - The present value of $400 per year for ten years at 10 percent - The future value of $400 per year for ten years at 10 percent 7. Repeat Problem #6, but assume the annuities are annuities due