Hubert, age 25 , is starting his savings plan this year by putting away $1,450.00 at the end of every year until he reaches age 65 . He will deposit this money at his local savings and loan at an interest rate of 6%. The future value annuity interest factor is 154.7620. Based on the information provided, by the time Hubert turns 65 , he will have Kate, age 30 , is starting her savings plan this year by putting away $1,450.00 at the end of every year until she reaches age 65. She will deposit this money at her local savings and loan at an interest rate of 6%. The future value annuity interest factor is 111.4348. Based on the information provided, by the time Kate turns 65 , she will have Hubert started his investment program five years earlier and set aside more than Kate. By the time Hubert turns 65 , he will ha accumulated more than Kate