6. Ms. Jones is a 74 year old retired union worker currently receiving a pension that pays $6,000 per year annuity for remainder of her life. She is offered a buy-out where she would receive a cash payment of $33,500 today in lieu of the annual pension payments. Ms. Jones estimates her life expectancy to be 85 and that she can earn a 9% return on her investment. Should Ms. Jones take the buyout or continue to receive the pension payments?