McScrooge tells you he can eam $4\mathrm{.}5\%$ annual interest, compounded monthly on his money. You have no reason to question his assumption. For each option, determine the present value of all relevant cash flows for $0\mathrm{.}8$ points each and then provide your final answer for $0\mathrm{.}8$ points $($total of $4$ points for this problem$).$ Remember, Angus is assuming monthly compounding.

a$.$ Option $1.$ Pay $$130,000$ today.

b$.$ Option $2.$ Pay a lump sum of $$149,750$ at the end of three years.

c$.$ Option $3.$ Pay $$3,900$ at the end of each month for three years.

d$.$ Option $4.$ Pay $$40,000$ immediately plus $$102,000$ in a lump sum three years from now.