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What much would you have to save/deposit today if you want to start withdrawing $1,000 annually for 5 years. Assume you starting withdrawing 2 years

What much would you have to save/deposit today if you want to start withdrawing $1,000 annually for 5 years. Assume you starting withdrawing 2 years from now. Assume that the interest rate is 5%. How much would you have to save if the interest rate is 4% for the first 3 years and 5% for the remaining years?

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