$($Related to Checkpoint $5\mathrm{.}4)($Present$-$value comparison$)$ You are offered $$90,000$ today or $$320,000$ in $15$ years. Assuming that you can earn $14$ percent on your money

should you choose?

If you are offered $$320,000$ in $15$ years and you can earn $14$ percent on your money, what is the present value of $$320,000?$

$ $($Round to the nearest cent.$)$