EXERCISE 2: FUTURE VALUES AND PRESENT VALUES If you receive an inheritance and have two payment options, would you prefer $85,000 now or payments made at the beginning of each year in the following way? Year 1 $20.000 Year 2 $25.000 Year 3 $15,000 Year 4 $10,000 Year 5 $25,000 Calculate the future value of both options by the end of the fifth year if you can get 8% on your investment