Anyone have a proper answer for this?

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?

Abox contains 1 plain pencil and 4 pens. a second box contains 5 color pencils and 5 crayons. one item from each box is chosen at random. what is the probability that a plain pencil from the first box and a color pencil from the second box are selected? write your answer as a fraction in simplest form.

8000 + 8800 + 8000 + 8 million + 80 trillion + another a katrillion equals