Karen was to receive a payment of $5000 today. However, the borrower agreed to pay Karen this amount in two parts: $3000 immediately and $2000 in 1...

Karen was to receive a payment of $5000 today. However, the borrower agreed to pay Karen this amount in two parts: $3000 immediately and $2000 in 1 month. By agreeing to this new payment option, how much would Karen lose or gain if money earns 5.35%

compounded semi-annually?