You have the opportunity to invest in either of two annuities. Annuity X is an annuity due that makes 6 equal annual payments of $9,000. Annuity Y is an ordinary annuity that makes 6 equal annual payments of $10,000. Assume that you can earn 15% on your investment.

(1) find the future value after 6 years for both annuities

(2 ) use your finding in part (1) to indicate which annuity is more attractive. Why?