Plz and i need to show work so show me how u got the answer

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?

Satchi found a used bookstore that sells pre-owned dvds and cds. dvds cost $9 each, and cds cost $7 each. satchi can spend no more than $45.

Why is it so easy to buy on impulse and overspend with a credit card? what could you do to counteract this tendency?