You have just joined the investment banking firm of Dewey. Cheatum, and Howe. They have offered you two different salary arrangements. You can have $$90,000$ per year for the next two years, or you can have $$77,000$ per year for the next two years along with $$20,000$ signing bounce today. The bounce is paid immediately, and the salary is paid in equal amounts at the end of each month. If the interest rate is $7\%$ compounded monthly, which do you prefer? $($Show your calculations$).$