Since money is invested at beginning of periods , this is an annuity due ....as opposed to anordinary annuity where payments are at the end of the periods
annuity due calculation
value = pmt * [ ( (1+i)n - 1) ] / i * (1+i)
for this problem i = 10% = .10
periods = n = 3 years
pmt = 10 000
plug in those values to get $ 36410