I am having a little trouble with the annual rate of return and the net present value.

Table 3 Present Value of 1 (n) Periods 4% 5% 6% 7% 8% 9% 10% 11% 12% 15% 96154 .95238.94340 .93458 .92593 .91743 .90909 .90090 .89286 .86957 .92456 .90703 .89000 .87344 .85734 .84168 .82645 .81162 .797 19 .75614 88900 .86384 .83962 .81630 .79383 .77218 .75132 .73119.71178 .65752 85480 .82270 .79209 .76290 .73503 .70843 .68301 .65873 .63552 .57175 82193 .78353 .74726 .71299 .68058 .64993 .62092 .59345 .56743 .49718 .79031 .74622 .70496.66634 .63017.59627 .56447 .53464 .50663 .43233 75992 .71068.66506.62275 .58349.54703 .51316 .48166 .45235 .37594 73069 .67684 .62741 .58201 .54027 .50187 .46651 .43393 .40388 .32690 70259 .64461 .59190 .54393 .50025 .46043 .42410 .39092 36061 .28426 67556 .61391 .55839 .50835 .46319 42241 .38554 .35218.32197 .24719 64958 .58468 .52679 .47509 .42888 .38753 .35049 .31728 .28748 .21494 62460 .55684 49697 .44401.39711 35554 .31863 .28584 .25668 .18691 60057 .53032 46884 .41496 .36770.32618 .28966 .25751 .22917 .16253 57748 .50507 .44230 .38782 34046 .29925 .26333 .23199.20462 .14133 55526 .48102 .41727 36245 .31524 .27454 .23939 .20900 .18270 .12289 53391 .45811 .39365 .33873 .29189 .25187 .21763 .18829 .16312 .10687 51337 .43630 .37136 .31657.27027 .23107.19785 .16963 .14564 .09293 49363 .41552 .35034 .29586 .25025 .21199 .17986 .15282 .13004 .0808 1 47464 .39573 .33051 .27615 .23171 .19449.16351 .13768 .11611 .07027 45639 .37689 .31180 .25842 .21455 .17843 .14864 .12403 .10367 06110 4 10 13 15 16 17 18 19 20