Value of a single amount versus a mixed stream Personal finance problem

Gina Vitale has just contracted to sell a small parcel of land that she inherited a few years ago. The buyer is willing to pay $20,324 now, or the buyer will make a series of payments starting now and continuing at annual intervals shown in the following table. Because Gina doesn't really need the money today, she plans to let it accumulate in an account that earns 5% annual interest. Given her desire to buy a house five years after selling the lot, she decides to choose the payment alternative-either the lump sum or the mixed stream-that provides the higher future value at the end of 5 years. Which alternative will she choose?

Beginning of year Cash Flow

0 $6,000

1 $3,000

2 $10,000

3 $2,000

4 $4,000