Find the interest rates earned on each of the following. Round your answers to the nearest whole number.

1. You borrow $680 and promise to pay back $748 at the end of 1 year.

   %

2. You lend $680 and the borrower promises to pay you $748 at the end of 1 year.

   %

3. You borrow $70,000 and promise to pay back $265,825 at the end of 14 years.

   %

4. You borrow $10,000 and promise to make payments of $2,504.60 at the end of each year for 5 years.

   %

1. Present value of $250 per year for 8 years at 3%: $

   Present value of $800 per year for 8 years at 0%: $