If you owe $37,000 at the end of five years, how much should your creditor accept in payment immediately if she could earn 14 percent on her money? (Use a Financial calculator to arrive at the answer. Round the final answer to the nearest whole dollar.) Present value On January 1, 2016, Charley Dow bought 1,000 shares of stock at $28 per share. On December 31,2018 , he sold the stock for $34 per share. What was his annual rate of return? (Use a Financial calculator to arrive at the answer. Round the final answer to 2 decimal places.) Annual rate of return