11 . Mr. Dawson wants to receive payments of $ 1, 230. 00 at the beginning of Every three months for 19 years starting on the date of his retirement . If he retires in 21 years , how much must he deposit in an account at the beginning of every three months if interest on the account is 6. 8`% compounded Quarterly ?" 12 . Kelly is saving $ 1, 60.0. 00 at the beginning of each month . How soon can he retire if he wants to have a retirement fund of $ 345, 000 and interest is 1 1. 0486 compounded monthly ?"