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Please help!! Your rich uncle just died and left you a nice gift in his will. You will receive $10,000 per year for five years

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Your rich uncle just died and left you a nice gift in his will. You will receive $10,000 per year for five years starting next year. Eight years after that finishes, you will receive $5,000 per year for ten years. Interest rates are 3%. What is the present value of this gift? State all assumptions and show all work

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