Consider an inheritance that pays the beneficiary an annuity of $$750$ that begins immediately $($an annuity due$)$ and then annually in year $1$ through year $19($for a total of $20$ years$)$ with one exception $-$ the payment in year $14,$ and only $14,$ is not $$750$ but $$0.$ Using an interest rate of $3\%,$ determine the present value of this cash flow stream.