4-12) Find the future value of the following annuities. The first payment in these annuities is made at the end of year 1, so they are ordinary annuities. (notes: See the hint to problem 4-9.) Also, note that you can leave values in the TVM register, witch to begin mode, press FV, and find the FV of the annuity due) .
a. $400 per year for 10 years at 10%
b. $200 per year for 5 years at 5%
c. $400 per year for 5 years at 0%
d. Now rework parts a, b, and c assuming that payments are made at the beginning of each year; that is, they are annuities due.