please help me

Robert has just won the Flyball Lottery. He has two options for receiving his prize. The first option is to accept a $125,000 cash payment today. The second option is to receive $21,500 at the end of each of the next 19 years and a $20,500 lump sum payment in the 20 th year. Robert can invest money at a 7% rate. Click here to view the factor table. (a) Calculate the present value of the two options. (For calculation purposes, use 4 decimal places as displayed in the factor toble provided and round final answer to 0 decimal place, es. 58,971.) Which option should Robert choose to receive his winnings? (b) If Robert could invest money at 10%, calculate the present value of the two options. (For calculation purposes, use 4 decimal places as disployed in the factor table provided and round final answer to 0 decimal place, e.s. 58.971.)