After graduation, you plan to work for Dynamo Corporation for 12 years and then start your own business. You expect to save and deposit $10,000 a year for the first 6 years (t=1 through t=6) and $15,000 annually for the following 6 years (t=7 through t=12). The first deposit will be made a year from today. In addition, your grandfather just gave you a $32,000 graduation gift which you will deposit immediately ( t=0 ). If the account earns 9% compounded annually, 12 years from now you will $ A bank is offering you a loan of $10,000 for 10 years with monthly payments. The stated interest rate (APR) is 8.4%. After paying your loan for 5 years, you still owe the bank $