$2)$ Erika owns a $20,000$ savings bond which pays her monthly interest at an annual nominal interest rate of

$(2)=0\mathrm{.}06.$ She deposits these interest payments into a mutual fund which pays her an annual nominal

interest rate of ;$2)=0\mathrm{.}12.$ Calculate the value of her bond plus interest deposits at the end of four

years. Assume the bond is always worth $20,000.$ Also calculate the overall annual effective interest rate Erika earned, i