You have just received a windfall from an investment in a friends business. He will be paying you $10,000 at the end of this year, $20,000 at the end of the following year, and $30,000 at the end of the year after that (3 years from today). The interest rate is 3.5%. How would your future value change if he paid you at the beginning of the year instead of the end of the year?