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. 

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