Find the present values of these ordinary annuities. Discounting occurs once a year. Round your answers to the nearest cent.

$1,000 per year for 10 years at 16%.

$

$500 per year for 5 years at 8%.

$

$400 per year for 4 years at 0%.

$

Rework previous parts assuming that they are annuities due. Round your answers to the nearest cent.

$1,000 per year for 10 years at 16%.

$

$500 per year for 5 years at 8%.

$

$400 per year for 4 years at 0%.