I need help its for 7th grade math

Answer this question only if you know the answer! 30 points and

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?

If f(x) = 4x – 3 and g(x) = 8x + 2, find each function value a.f[g(3)] b.g[f(5)] c.g{f[g(-4)]}