PLEASE HELP ME ANSWER THIS. THIS IS ABOUT TIME VALUE OF MONEY.

23. You win a judgment in an auto accident for $100,000. You immediately receive $25,000 but must pay your lawyer's fee of $15,000. In addition, you will receive $2,500 a year for 20 years for a total of $50,000, af- ter which the balance owed ($25,000) will be paid. If the interest rate is 7 percent, what is the current value of your settlement? 24. A $1,000,000 state lottery prize is spread evenly over 10 years ($100,000 a year), or you may take a lump distribution of $654,000. If you can earn 7 percent, which alternative is better? 25. You wish to retire in 12 years and currently have $50,000 in a savings account yielding 5 percent annually and $100,000 in quality "blue chip" stocks yielding 10 percent. If you expect to add $30,000 at the end of each year to your stock portfolios, how much will you have in your re- tirement fund when you retire? What rate of return must you earn on your retirement funds if you want to withdraw $102,000 per year for the next 15 years after retiring