Suppose the Bank of Montreal is offering a 30 -year mortgage with an EAR of 4.125%. If you plan to borrow $200,000, what will your monthly payment be? (Note: Be careful not to round any intermediate steps less than six decimal places.) Your monthly payment will be $ (Round to the nearest cent.) You are thinking about investing $5000 in your friend's landscaping business. Even though you know the investment is risky and you can't be sure of the outcome, you expect your investment to be worth $5750 next year. You notice that the rate for one-year Treasury bills is 1\%. However, you feel that other investments of equal risk to your friend's landscape business offer an expected return of 10% for the year. What should you do? The present value of the return is \$ (Round to the nearest cent.)