V ROLFFM8 5.3.047. MY NOTES | ASK YOUR TEACHER Ricardo is a 40-year-old pack-and-a-half-per-day smoker who pays $5.49 for a pack of digarettes. Observing an unde suffering from emphysema, he decides to stop smoking. To help motivate and reward himself, he decides to put the cost of cigarettes into an annuity until he is 65. Asuming an annuity with an interest rate of 5.45 compounded monthly and investing the cost of 45 packs each month, find the future value when Ricardo is 65. (Round your answer to the nearest cont.) V ROLFFM8 5.4.003. MY NOTES | ASK YOUR TEACHER The compounding periods and the payment periods are the same for an annuity and for an amortiration. Determine the present value of the annuity that will pay the given periodic payments. (Round your final answer to two decimal places.) Monthly payments of $300.80 for 3 years at 4.8% interest. V ROLFFM8 5.4.020 MY NOTES ASK YOUR TEACHER Find the monthly payment for the loan indicated. (Round your final answer to two decimal plac Amount of loan $10,000 at an annual interest rate of 5.1 for 5 years