Help please help this is for math

1foot = 12 inches; 1 yard = 3 feet

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?

Miranda is braiding her hair. then she will attach beads to the braid. she wants 1_3 of the beads to be red. if the greatest number of beads that will fit on the braid is 12,what other fractions could represent the part of the beads that are red?