You are considering purchasing a $350,000 home. You have saved up a 20% down payment for the home and will receive a 15-year fixed rate mortgae with 3.78% interest; now you must decide (1) to use the 20% ou have saved as a down payment on the home and avoid PMI payments or (2) invest the 20% in n alternative account earning 4% and pay private mortgage insurance of .5% the loan amount annually.