Using the appropriate present value table and assuming a 12% annual interest rate, determine the present value on December 31, 2011, of a five period annual annuity of $5,000 under each of the following situations (Use Table 2,Table 4, andTable 6) (Round “PV Factor” to 5 decimal places and final answers to the nearest dollar amount. Omit the “$” sign in your response):

(1) The first payment is received on December 31, 2012, and interest is compounded annually.

Present value $

(2) The first payment is received on December 31, 2011, and interest is compounded annually.

Present value $

(3) The first payment is received on December 31, 2012, and interest is compounded quarterly.

Present Value
First Payment $
Second Payment
Third Payment
Fourth Payment
Fifth Payment

Total $