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(Related to The Business of Life: Saving for Retirement) (Future value of an ordinary annuity) You are graduating from college at the end of this semester and after reading the The Business of Life box in this chapter, you have decided to invest $5,400 at the end of each year into a Roth IRA for the next 41 years. If you eam 6 percent compounded annually on your investment, how much will you have when you retire in 41 years? How much will you have if you wait 10 years before beginning to save and only make 31 payments into your retirement account? How much will you have when you retire in 41 years? $(Round to the nearest cent.) How much will you have if you wait 10 years before beginning to save and only make 31 payments into your retirement account? (Round to the nearest cent) 4 (Annuity payments) To pay for your child's education, you wish to have accumulated $20,000 at the end of 15 years. To do this, you plan to deposit an equal amount into the bank at the end of each year. If the bank is willing to pay 8 percent compounded annually, how much must you deposit each year to obtain your goal? The amount of money you must deposit each year in order to obtain your goal is $(Round to the nearest cent.)