You are planning to put $3,000 in the bank at the end of each year for the next four years in hopes that you will have enough money for a new car. If you are investing at an annual interest rate of 5%, how much money will you have at the end of four years-rounded to the nearest whole dollar? $10,344 $12,930 $13,576 $15,516 You've decided to deposit your money in the bank at the beginning of the year instead of the end of the year, but now you are making payments of $3,000 at an annual interest rate of 5%. How much money will you have available at the end of four years-rounded to the nearest whole dollar? $9,504 $12,930 $19,008 $13,576