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How much will an annuity cost you today if you need $ 5 0 , 0 0 0 at the BEGINNING of each year for

How much will an annuity cost you today if you need $50,000 at the BEGINNING of each year for 20 years and you can earn 6.5% annually?
How much money will an annuity cost if you need $4,000 at the BEGINNING of each month for 15 years and you can earn 7.2% annual interest?
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