a and b please!

Current James has just won the Flyball Lottery. He has two options for receiving his prize. The first option is to accept a $125,000 cash payment today. The second option is to receive $15,000 at the end of each of the next 19 years and a $20,100 lump sum payment in the 20th year, James can invest money at a 6% rate. Click here to view the factor table. (a) Calculate the present value of the two options. (For calculation purposes, use 4 decimal places as displayed in the factor table provided and round final answer to decimal place, eg. 58,971.) Option 1 Option 2 $ Present value $ Which option should James choose to receive his winnings? (b) If James could invest money at 9%, calculate the present value of the two options. (For calculation purposes, use 4 decimal places as displayed in the factor table provided and round final answer to decimal place, eg. 58,971.) Option 1 Option 2 S Present value $ Which option should he choose