Answer
It is better to take the money now and invest.
Work Step by Step
The amount A after t years due to a principal P
invested at an annual interest rate r, expressed as a decimal,
if compounding is continuous, is $A=Pe^{rt}$
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$A=1000e^{(0.10)(3)}={{\$}} 1349.86$
It is better to take the money now and invest.