$1.$Determine the future value according to the following situation: John's salary was increased last week and he is considering investing or saving it instead of spending it$.$ He went to a branch of the State Bank and they offered him two alternatives. First they offered him a certificate of deposit that pays a semiannual interest rate of $2\mathrm{.}5\%$ with a maturity period of $5$ years. You also have the opportunity to deposit into a savings account that pays a monthly interest rate of $1\mathrm{.}9\%.$ Assuming John has $$10,000$ available, determine which of the two options will have a greater future value at the end of $5$ years.