David deposits $1,500 at the beginning of each year for 10 years in a fund earning an annual effective interest rate of 6%. The interest from this fund is paid out annually and can only be reinvested at an effective annual rate of 5%. At the end of 12 years, David liquidates both accounts. (a) How much money does David have at this time? (b) What is David's overall yield rate(IRR) for this investment? Hint think time line and use the calculator