Read the attachment below, i need on this one

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 a baby uses 15 diapers in 2 days, how many diapers will the baby use in a year?

Precalculus question, image attached.