Gina has just contracted to sell a small parcel of land that she inherited a few years ago. The buyer is willing to pay RM24,000 at the closing of the transaction or will pay an annual payment of RM6,000 at the beginning of each of the next 5 years. She plans to let it accumulate in an account that earns 7% annual interest. Given her desire to buy a house at the end of 5 years, she decides to choose the payment alternative (i.e., RM24,000 lump sum payment or the annuity payment of RM6,000 at the beginning of each year) that provides the higher future value after 5 years. You are required to advise her on the best alternative.