1. If you spend on average $10 on lattes each week (assume $520 a year) instead of bringing coffee in a thermos ($52 a year), how much would you save over 10 years assuming you could invest the savings each year at 7%?

2. If you borrow $350,000 for 30 years at 4% annual interest rate to buy a house, how much would you have to pay at the end of each year to the bank to pay it off over the full period? If you had to pay monthly instead of annually, would the total cost be more, the same, or less?