What is the present value of a deferred perpetuity that pays $651 annually with the first payment occurring at year 5? Assume the annually compounded interest rate is 10%. What is the effective annual rate (EAR) of a monthly rate of 1.15% (The answer should be in DECIMAL, e.g., "O.124" to represent 12.4%) How many years will it take you to accumulate $92,163 if you have $32,351 in your account today and earn 14% (This 14% is the annual rate) compounded semi-annually on that $32,351 over the foreseeable future? (Always round the years UP: e.g., 1.4 years should be written as 2 years approximately)