Problem 5-18 Calculating Future Values [LO1] a. You have just made your first $4,900 contribution to your retirement account. Assume you earn a return of 12 percent per year and make no additional contributions. What will your account be worth when you retire in 34 years? (Do not round intermediate calculations and round your answer to 2 decimal places, e.g., 32.16.) b. What if you wait 10 years before contributing? (Do not round intermediate calculations and round your answer to 2 decimal places, e.g., 32.16.) a. Future value for starting now b. Future value if waiting 10 years You are scheduled to receive $18,500 in three years. When you receive it, you will invest it for nine more years at 9.25 percent per year. How much will you have in twelve years? (Do not round intermediate calculations and round your answer to 2 decimal places, e.g., 32.16.) Amount