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How do I set this problem up to do it? I do not want the answer just the formula. The question is for Present Value, Future Value, and Annuity Due:

. Your uncle offers you a choice of $30,000 in 50 years or $95 today. If money is discounted at 12 percent, which should you choose? I just need to know what formula to use.

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I have alraedy been here and they did not help out at all.
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