Zeta inc., a multinational retail corporation, uses a device that notifies the respective store managers whenever a customer is near their store. it also them to map customer foot traffic data. this is an example of

Retirement investment advisors, inc., has just offered you an annual interest rate of 4.4 percent until you retire in 40 years. you believe that interest rates will increase over the next year and you would be offered 5 percent per year one year from today. if you plan to deposit $13,000 into the account either this year or next year, how much more will you have when you retire if you wait one year to make your deposit?