4/2−3⋅4+7 it has a power of 4 and base of 2 i think i dont really know if someone could help me out here

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?

Need on this one asap im almost done with this subject

Write and solve a real word problem that involves determining distance on a coordinate plane