You've just been hired at a new job. You expect to work there for 4 years. Your boss offers you a hiring bonus of either $2,986 today, or an additional $48 per month, starting next month, on your salary.

If your investments earn 3.81% APR (compounded monthly), how much would you gain or lose by taking the cash-bonus today?

If you would lose money, indicate your answer with a negative number.