Robin and Teryll each have $$8,000$ to invest, but they disagree about the best place to start a savings account. Teryll finds a savings and loan company that will guarantee an interest rate of $3.9\%$ compounded monthly for the next ten years. Robin says her bank is much better because they will give her $4\%$ interest compounded semi-annually for the next ten years. In ten years, which account will have the larger amount and by how much?