Find the limit of the following sequence. 
Definitions:
Annuity A
Represents a financial product that promises to pay the holder a fixed stream of payments over a specified period of time.
APR
Annual Percentage Rate, a measure used to calculate the cost of borrowing, including interest and other fees, shown as a yearly rate.
EAR
Ear is the acronym for Effective Annual Rate, which measures the real return on an investment or the real interest rate on a loan, accounting for compounding over a specified period.
Monthly Stream
A monthly stream often refers to consistent or recurring flows of income, payments, or data that occur every month.
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