Chase and Skye plan to close their vegetarian restaurant to retire at the age of 55. They have received two offers from Nala and Simba. If they accept the offer from Nala, they will receive $61,000 immediately and $20,000 in three years. If they accept the offer from Simba they will receive $37,000 now and $3000 at the end of every 6 months for 5 years. If the interest is 6.67%, which offer is preferable?