Today is Janets 23^rd birthday. Starting today, Janet plans to begin saving for her retirement. Her plan is to contribute $ 2 ,000 to a brokerage account each year on her birthday. Her first contribution will take place today. Her 42^nd and final contribution will take place on her 64^th birthday. Her aunt has decided to help Janet with her savings, which is why she gave Janet $ 2 0,000 today as a birthday present to help get her account started. Assume that the account has an expected annual return of 11 percent. How much will Janet expect to have in her account on her 65^th birthday? Round your answer to a whole dollar.

A real estate investment has the following expected cash flows: Year Cash Flows 1 $ 9 ,000 2 20 ,000 3 23 ,000 4 33 ,000 The discount rate is 12 percent. What is the investments present value? Round it to a whole number.