Fin $3850-$ HW $2$ TVM

You deposit $$5,000$ at the BEGINNING of each year into an account earning $9\%$ annual interest, in $25$ years, how much money do you have in the account?

Now assume you make contributions at the END of each year.

If you deposit $$250$ at the end of each month and it earns $10\%$ annual interest, how much money do you have in $20$ years?