Draw the cash flow diagram.

 

You open a savings account on December 31 with $150 deposit (call this Time 0). The account pays interest at the end of every month. Over the rest of the year, you make the following deposits: Deposit Date April 4 June 6 June 9 July 12 October 9 December 7 Deposit Amount $300 $500 $100 $700 $300 $900