I am not sure why this needs more information because this is what they gave me to answer the question...

For Questions 19-20. What is the present value of a 3 -year annuity of $320? $789.32 $795.79 $741.33 QUESTION 20 What would be the present value of the annuity if the first payment is received 2 years from today? Assuming the discount rate is 10%. $723.443 $723.448 $723.491 QUESTION 21 You plan on retiring in 15 years. You need $4,000 per month to live after you retire. You have average life expectancy of 15 years after your retirement much you need to be saving every month for next 14 years. Suppose the rate of return on the retirement account is 8%. \$1.358.87 $1,569,32 $1,002.45