<br/><br/>1. I <b>started</b> a savings account last month. (past perfect)<br/><br/>2. I <b>deposit</b> 80$ every Friday evening. (present perfect)<br/><br/>3. The job I’m applying for <b>offers</b> retirement benefits. (present progressive)<br/><br/>4. I will have <b>accumulated</b> enough money to retire early. (future perfect)<br/><br/>A college degree will have a positive <b>impact</b> on your future. (simple future)<br/>