Ronnie owns a small commercial building that a local grocery chain has offered to rent from him for the next 5 years. The grocery store chain has offered to pay him $150,000 today or $3,000 at the end of each month for the next 5 years. Which payment method should Ronnie accept if he can earn a rate of return on investments of similar risk equal to 10 percent (compounded monthly)? In other words, which option has the higher present value?