You are making a $40,000 investment and feel that a 13 percent rate of return is reasonable given the nature of the risks involved. You feel you will receive at least $10,000 in the first year, $20,000 in the second year, $40,000 in the third year, and potentially could see a cash inflow of $6,000 in the fourth year. What is the net present value of this investment given your expectations? $19,140.04 $15,914.41 $13,529.10 $17,218.40