Which option is better: receive $100,000 now or $20,000, $25,000, $30,000, $25,000, and $20,000, respectively, over the

Question:

Which option is better: receive $100,000 now or $20,000, $25,000, $30,000, $25,000, and $20,000, respectively, over the next five years?

Requirements
1. Assuming a 5% interest rate, which investment opportunity would you choose?
2. If you could earn 10%, would your choice change?
3. What would the cash flow in year 5 have to be in order for you to be indifferent to the two plans?