Mr. Bryan Dreibelbis has inherited a pile of cash , $160,000 from a long lost Uncle who resided in Key West. Mr. D. has spent a portion of the funds on necessities- corvette, stereo, and a party with live entertain performed by KC and the Sunshine Band, the Captain & Teneal, and Barry Manilow. The money he has left he would like to invest. You are his financial advisor and he asks you the following questions:

How much would my investment be worth in 20 years if I invested in a fixed account at 5% per annum?

If I put $10,000 per year into an annuity, what will it be worth in 20 years if I can earn 10% per annum?

Someone is willing to give me $15,000 per year for twenty years if I give them my money today, should I do it?