19. Calculation of future value. I'm going to get $10,000 in two years. When I receive the money, I plan to invest 7.5 percent a year for six years. How much will you get after eight years?

21. Calculate future value. I want to deposit $5,800. Regency Bank compounded at 1% per month to give 12% per year, and King Bank compounded once per year to give 12%. What will be the amount in 20 years at each bank?

24. Calculate the present value. You need $85,000 in 10 years. How much should I save today if I can earn 0.78% per month?