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I need help with a business finance question:

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I need help with a business finance question: You have accumulated
some money for your retirement. You are going to withdraw $64,589 every year at the beginning of the year for the next 23 years starting from today. How much money have you accumulated for your retirement? Your account pays you 9.44 percent per year, compounded annually. To answer this question, you have to find the present value of these cash flows.
Please provide detailed formula for the answer. thank you

 
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