If money can be invested at 7.5% per year compounded semiannually, which is the better deal and by how much in present value: $20,000 now or $30,000 in 5 years? $30,000 in 5 years; by $618.68. $20,000 now; by $618.68. $20,000 now; by $760.61. $30,000 in 5 years; by $760.61. None of the other answers are correct