Calculate the combined equivalent value of the scheduled payments on the indicated dates. The rate of return that money can earn is given in the fourth column. Assume that payments due in the past have not yet been made. 
Definitions:
Extraversion
A characteristic of personality marked by being outgoing, chatty, bold, and displaying intense feelings openly.
Openness
A personality trait associated with someone's willingness to experience new activities, ideas, or ways of thinking.
Individualism
The principle of being independent and self-reliant, often prioritizing personal freedom and goals over collective ones.
Collectivism
A cultural value that emphasizes the importance of groups and the collective over the individual, promoting interdependence and cooperation.
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