, Chelsea is at a crossroads. Her brother wants her to invest her money with him, saying if she does, he can ensure a .94% return every 6 months. However, her sister claims she can get her interest of $20 in a year if she invests $1000 today. Which sibling should Chelsea go with? a. (10 points) Use the present value approach to answer this question. b. (4 points) Use the future value approach to check your answer.