What discount rate would make you indifferent between receiving $3,853.00 per year forever and $5,817.00 per year for 27.00 years? Assume the first payment of both cash flow streams occurs in one year.

Derek will deposit $4,279.00 per year for 15.00 years into an account that earns 15.00%. Assuming the first deposit is made 4.00 years from today, how much will be in the account 40.00 years from today?