Exercise $3$ You are valuing an investment that will pay you $$12,000$ the first year, $$15,000$ the second

year, $$18,000$ the third year, $$20,000$ the fourth year, $$24,000$ the fifth year, and $$33,000$ from years $6$

to $12($all payments are at the end of each year$).$ What is the value of the investment to you now if the

appropriate annual interest rate is $4\%?$