Four subtracted from twice a number is

Trish receives $450 on the first of each month. josh receives $450 on the last day of each month. both trish and josh will receive payments for next four years. at a discount rate of 9.5 percent, what is the difference in the present value of these two sets of payments?

Can someone me and do the problem plz so i can understand it more better

Players on the school soccer team are selling candles to raise money for an upcoming trip. each player has 24 candles to sell. if a player sells 4 candles a profit of$30 is made. if he sells 12 candles a profit of $70 is made. determine an equation to model his situation?