Problems (4 pts): 7.(a) Which would you prefer, an ordinary annuity that pays $500 for four years at a rate of 4.8% or an annuity due of $475 that pays a fate of 4.95% for four years? (b) Assume I have an investment that will pay me $100 every month for 5 years and then $5,000 at the end. If I pay $4,800 for it today, what is my rate of return