Calculate the present value (PV): You would like to have $20,000 in 5 years from now to use as a down payment for a house. If you can invest at 8% APR compounded every three (3) months, how much money will you have to invest today to meet your goal 5 years from now? You borrow $2,000 at 5% APR to be paid back in monthly payments over 2 years. What is your monthly payment? Calculate the present value (PV): You win the lottery and you can receive a lump sum of $300,000 or $50,000 yearly payments over 10 years. If you consider that 8% is an appropriate discount rate, what is the present value of yearly payments