I need help with accounting!

Present and future value tables of $1 at 3% are presented below: N FVAD $1 1.0300 1 PV $1 0.97087 0.94260 0.91514 2 2.0909 PVA $1 0.97087 1.91347 2.82861 3.71710 4.57971 3 4 0.88849 5 6 7 FV $1 1.03000 1.06090 1.09273 1.12551 1.15927 1.19405 1.22987 1.26677 1.30477 1.34392 1.38423 1.42576 3.1836 4.3091 5.4684 6.6625 7.8923 9.1591 FVA $1 1.0000 2.0300 3.0909 4.1836 5.3091 6.4684 7.6625 8.8923 10.1591 11.4639 12.8078 14.1920 15.6178 17.0863 18.5989 20.1569 8 PVAD $1 1.00000 1.97087 2.91347 3.82861 4.71710 5.57971 6.41719 7.23028 8.01969 8.78611 9.53020 10.25262 10.95400 5.41719 6.23028 7.01969 7.78611 8.53020 9.25262 0.86261 0.83748 0.81309 0.78941 0.76642 0.74409 0.72242 0.70138 0.68095 0.66112 0.64186 0.62317 9 10.4639 11.8078 10 11 13.1920 12 14.6178 13 16.0863 14 9.95400 10.63496 11.29607 11.93794 12.56110 1.46853 1.51259 1.55797 1.60471 17.5989 15 19.1569 20.7616 11.63496 12.29607 12.93794 16 Bill wants to give Maria a $640,000 gift in 6 years. If money is worth 6% compounded semiannually, what is Maria's gift worth today? Present and future value tables of 1 at 11% are presented below. 1 2 PV of $1 0.90090 0.81162 0.73119 0.65873 FV of $1 1.11000 1.23210 1.36763 1.51807 PVA of $1 0.90090 1.71252 2.44371 3.10245 FVA of $1 1.0000 2.1100 3.3421 4.7097 3 4 5 0.59345 3.69590 1.68506 1.87041 6.2278 7.9129 6 0.53464 4.23054 Polo Publishers purchased a multi-color offset press with terms of $55,000 down and a noninterest-bearing note requiring payment of $30,000 at the end of each year for three years. The interest rate implicit in the purchase contract is 11%. Polo would record the asset at: Present and future value tables of $1 at 3% are presented below: N FV $1 PV $1 1 0.97087 1.03000 1.06090 2 3 PVA $1 0.97087 1.91347 2.82861 3.71710 4.57971 5.41719 1.09273 1.12551 1.15927 4 5 6 PVAD $1 1.00000 1.97087 2.91347 3.82861 4.71710 5.57971 6.41719 7.23028 0.94260 0.91514 0.88849 0.86261 0.83748 0.81309 0.78941 0.76642 0.74409 0.72242 0.70138 0.68095 7 FVAD $1 1.0300 2.0909 3.1836 4.3091 5.4684 6.6625 7.8923 9.1591 10.4639 11.8078 13.1920 14.6178 FVA $1 1.0000 2.0300 3.0909 4.1836 5.3091 6.4684 7.6625 8.8923 10.1591 11.4639 12.8078 14.1920 15.6178 17.0863 18.5989 20.1569 6.23028 7.01969 8 9 1.19405 1.22987 1.26677 1.30477 1.34392 1.38423 1.42576 1.46853 1.51259 1.55797 7.78611 8.01969 8.78611 10 11 9.53020 8.53020 9.25262 9.95400 10.63496 12 10.25262 13 16.0863 14 0.66112 0.64186 11.29607 11.93794 12.56110 17.5989 19.1569 10.95400 11.63496 12.29607 12.93794 15 16 1.60471 0.62317 20.7616 Shelley wants to cash in her winning lottery ticket. She can either receive six, $199,000 semiannual payments starting today, or she can receive a lump-sum payment now based on a 6% annual interest rate. What is the equivalent lump-sum payment