You are offered the choice of two payment streams: (a) $150 paid one year from now and

Question:

You are offered the choice of two payment streams: (a) $150 paid one year from now and $150 paid two years from now; (b) $130 paid one year from now and $160 paid two years from now. Which payment stream would you prefer if the interest rate is 5%? If it is 15%?