"The Financial Advisor" is a weekly column in a newspaper that answers questions from the public. Below is one such question. Assume you are the advisor and respond to this inquiry. Be specific. Ignore non-monetary consequences, and assume the question is recent. Use an inflation rate of 0.6% per month and a real MARR of 0.5% per month. Some calculations may be necessary. "I retired recently (at 65) and have a tax free retirement annuity coming due soon. I have three options. I can receive (a) a lump sum of $30,976.10 now, (b) $359.60 each month for the remainder of my life, or (c) $513.80 each month for the next 10 years. I think I should take the $30,976.10 now. What do you think?"