An investment costs $193,000 today and promises a series of $75,000 annual cash inflows in each of the next 7 years. The first cash inflow occurs one year from today. What is the net present value of this investment if the discount rate is 6% ? Round your answer to the nearest dollar. Be sure to enter a negative sign (-) if your answer is a negative number. Charlie plans to deposit $9,000 per year into his daughter's college fund each of the next 6 years with the first deposit occurring one year from today. If the fund generates a return of 3% per year, how much money will be available immediately after the final deposit? Enter your answer as a positive number rounded to the nearest dollar