3. Futurevalue of annuities I When payments are made at the beginning of each period, you can treat them as an annuity due You are planning to put $4,000 in the bank at the end of each year for the next four years in hopes that you will have enough money for a trip around the world. If you are investing at an annual interest rate of 5%, how much money will you have at the end of four years-rounded to the nearest whole dollar? $13,793 $18,103 O $17,241 $20,689 You've decided to deposit your money in the bank at the beginning of the year instead of the end of the year, but now you are making payments of $4,000 at an annual interest rate of 5%. How much money will you have available at the end of four years-rounded to the nearest whole dollar? $12,672 $18,103 $17,241 $25,344