You have won a small lottery held by your hometown, and they…

You have won a small lottery held by your hometown, and they offer you two options: option 1, in which you can have $10,000 today, or option 2, you can have $5,000 today and $5,250 next year. If the interest rate is 2 percent, which option yields the greatest amount? If you chose option 2, what would be the present value of your total winning (round to the nearest dollar)?