Gina is a fresh graduate from a college in Australia. She has saved $5,000 and wanted to invest this amount for a 10-year period.

i. Calculate how much Gina can accumulate at the end of 10 years if her investment has a 4.5% annual interest rate.

ii. If Gina needs to accumulate $15,000 at the end of the 10-year period with the $5,000 she currently has, what should be the return rate on her investment?

iii. Assume Gina will be receiving $55,000 after 20 years from now and current market interest rate is 5%. Calculate the present value of the $55,000.