An investment manager has a fund of 100,000 at the beginning of year 2006. On February 1 the fund drops to 98,000 and a withdrawal of 10,000 is made. On September 1 the fund balance is 100,000 and a deposit of 10,000 is made. At year end the account balance is 105,000. Find the time weighted rate of return and the dollar weighted rate of return.