Joe is expecting annuity payments out of his retirement funds as follows:

$$5000$ one year from now, $$7000$ at the end of $2$nd year, $$6000$ at the end of $3$rd year, $$10,000$ at the end of $4$th year and $$9000$ at the end of year $5.$

With an annual effective rate of interest $5\%,$ compute$$

a$)$ the present value at time $0$

b$)$ the accumulated value at time $10$ years.