An investment you have pays $10,000 at the end of five years and $500 each year during the five years. Thus, you will receive five $500 payments and a $10,000 lump sum in five years. To determine the present value of this investment, you would need to use which of the following calculations? The present value of a lump sum and the present value of an annuity The present value of a lump sum only The present value of an annuity only Neither the present value of a lump sum nor the present value of an annuity