A company offers a product that will save you $10,000 per year for 29 consecutive years starting one year from now. If your discount rate is 8%, what are you willing to pay for this product today? $ The company offers the product for $109,000 which you will pay for immediately. What is the Net Present Value (NPV) of purchasing this product? What would you be willing to pay for the product if it offers the same number of years of savings but the savings start 3 years form now?