If you could save $12,000 per year ($1,000 per month) for 20 years towards your retirement and you could earn an APR of 4%, and compounded monthly what would the balance be in your retirement account at the end of 20 years for each of the senarios described below?

Senario 1: If the initial deposit is $0 and you choose to make $1000 deposit at the end of every month for 20yrs

Senario 2: If the initial deposit is $1000 and are making periodic deposits at the beginning of every month for 20yrs

Senario 3: If you are making only an annual deposit of $12000 at the beginning of each year (say 2nd Jan which is the first business day of the year) for 20yrs

Senario 4: if you are making only an annual deposit of $12000 at the end of each year (eg: 31st of Dec which is the last business day of the year) for 20yrs