Steve Austin (The Six Million Dollar Man) is tired of being known as the cyborg that COST six million dollars, he wants to HAVE six million dollars. As a secret agent, Steve makes $130,000 a year and is willing to save half of his income each year to achieve his goal. Assuming that Steve is 30 and would like to head to the Florida Cyborg Retirement Village at age 59, what rate of return will he need to receive? John Brown lived in a family that always used the phrase "a penny for your thoughts?" John works at a company with 685 employees (not including himself) and is known for his humorous editorials on current events. One day John decided to start a work editorial e-mail called A Penny For My Thoughts. In the daily e-mail (he even sent them on weekends and holidays). John sent out his editorial comment for the day and simply asked that his co-workers repay him for his thoughts at the going rate of one penny per person. In other news. John is trying to save up money for a 10% downpavment to buy a new $I50.000 house. John banks where he can get a 10% rate of return and even daily compounding of interest. If John invests his "Penny for My Thoughts" earnings each day. how many years would it take for him to come up with his downpayment