A $39$ year old wants to build up a retirement fund by depositing $1000$ at

the beginning of each year for $25$ years. Starting at age $64$ he plans to make $15$ annual withdrawals at the beginning of each year. Find the amount of each withdrawal starting at age $64,$ to the nearest dollar, if the effective rate of interest is $8\%$ during the first $24$ years but only $7\%$ thereafter.