Your best friend who owns an annuity that promises to pay $1,000 at the end of each year, for 20 years, comes to you and offers to sell you all of the payments to be received after the 10th year for a price of $7,000. With an APR of 2.3% compounded quarterly, should you pay the $7,000 today to receive payment numbers 11 and onwards? Additionally, is he/she a good friend? Justify your answer (Note: If you buy the annuity, you will receive 10 payments of $1,000)