Sandra deposits $3,000 at the end of each semiannual period for 12 years at 10% interest compounded semiannually. determine the amount she will have in the account after 12 years. round to the nearest cent. a. $133,506.00 b. $140,181.30 c. $121,291.43 d. $70,568.14

Annuity formula for depositing at the end of each period.Future value, F=A*((1+i)^n-1)/iA=deposit per period, $3000 i=interest per period, 10%/2 = 5% = 0.05 per half yearn=number of periods = 12 years = 24 half-years
If the deposit is at the beginning of each period, thenwe can use the above formula, with 25 periods, but skipping the final payment, i.e.F=A*((1+i)^(n+1)-1)/i-A=3000*((1+.1/2)^(24+1)-1)/(.1/2) - 3000=143181.296 - 3000=143181.30 -3000=140181.30 (to the nearest cent)

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