Question 3 (20 points) A vehicle loan of $30,000 must be paid off in 8 years with an annual interest rate of 3.5%. What is the monthly payment (uniform series of equal payment at the end of each month) required to pay off this loan? What is the present value (year () and future value (8th year) of total interests paid over 8 years? Question 4 (30 points) Instead of taking a loan, person B choose to invest the payments with an annual return of 10% per year compounded monthly. What is the total future value person B's investments