How too solve this equation

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?

Which of the points a(6, 2), b(0, 0), c(3, 2), d(−12, 8), e(−12, −8) belong to the graph of direct variation y= 2/3 x?

Rewrite so the subject can be y in the formula d=m-y/y+n