Answer:
FV of ordinary annuity:
$500 per year for 12 years at 6%.
FV = $500 x 16.870 (FV annuity factor, 6%, 12 periods) = $8,435
$250 per year for 6 years at 3%.
FV = $250 x 6.4684 (FV annuity factor, 3%, 6 periods) = $1,617.10
$800 per year for 2 years at 0%.
FV = $800 x 2 (FV annuity factor, 6%, 12 periods) = $1,600
FV of annuity due:
$500 per year for 12 years at 6%.
FV = $500 x 17.8821 (FV annuity due factor, 6%, 12 periods) = $8,941.05
$250 per year for 6 years at 3%.
FV = $250 x 6.6625 (FV annuity due factor, 3%, 6 periods) = $1,665.63
$800 per year for 2 years at 0%.
FV = $800 x 2 (FV annuity due factor, 6%, 12 periods) = $1,600