$($Present$-$value comparison$)$You are offered $$$$100,000$ today or $$$$300,000$ in $13$ years. Assuming that you can earn $($Related to Checkpoint $5\mathrm{.}4)($Present$-$value comparison$)$ You are offered $$100,000$ today or $$300,000$ in $13$ years. Assuming that you can earn $11$ percent on your money, which should you choose?