If you receive and inheritance and have payment options, would you prefer $85,000 now or payments made at the beginning of each year in the following way? Year 1 $25,000, Year 2 $20,000, Year 3 $10,000, year 4 $20,000, year 5 $25,000. Calculate the future value of both options by the end of the fifth year if you can get eight percent on your investment.