12. $_________ You decide to save $250 every month for the next five years so you can start a small business. You are investing the money and can earn 6%. How much will you have saved by the end of the five years (round to nearest dollar)?

13. $_________You won $50,000 from a scratch-off lottery ticket. You decide to invest the money so you have a down payment for a home in 3 years. Your expected annual return is 10%; how much will you have for a down payment in 3 years (round to nearest dollar)?