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4.1. At what rate should you save the money to have 40000 is 8yrs
4.2. if you need 40000 is 8 yrs what amount should you invest
4.1 PV -12000
FV 40000
Period (Yrs) 8
Rate 16.24%
4.2 FV 40000
Rate 8%
Period (Yrs) 8
PV -21,610.76