Question 14 1 pts You have a VISA balance of $1,000. You can pay it off by making 12 monthly payments of $92.16(the first payment in 1 month). Alternatively you could withdraw the $1,000 from your checking account and pay the $1,000 today. If your savings account pays 4% APR compounded monthly, how much would you save in present value terms by paying off the VISA bill immediately? O $82.33 O $1105.92 O $105.92 $1,082.33 O $1,000.00