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Present and future value tables of $1 at 3% are presented below N PV $ 1 PV $1 PVA $1 PVA $1 FVAD $1 PVAD $1 1 1.03000 10.970
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Answer #1

Present value = Amount*PVADF@3%

= 4000*8.01969

Present value = $32078.76 or $32079

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