How do you answer this i need i do not get it

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?

Before simplifying, how many terms are there in the expression 2x - 5y + 3 + x?

Adeposit of 5500 at 6% for 3 years equals