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Find the present values of these annuities due. What is the present value of $4,000 per...

Find the present values of these annuities due. What is the present value of $4,000 per month for one year with an annual interest rate of 10.8% (APR with monthly compounding)? What is the present value of $9,000 per quarter for 4 years with an annual interest rate of 10.8% (APR with quarterly compounding)?

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