Answer:
2:50 pm
Step-by-step explanation:
In order to find the amount of time it takes to complete your errands, we first have to find the time it takes to complete them.
20+25+15+10=45+25=70
So, it will take 70 minutes, or 1 hour and 10 minutes to complete your errands.
We need to find what time 1 hour and 10 minutes before 4:00 is. So, one hour before 4:00 is 3:00. Then, 10 minutes before 3:00 pm is 2:50. Therefore, you have to start your errands at 2:50 pm.