9. $ You would like to start saving for retirement. Assuming you are now 22 years old and you want to retire at age 60, you have 38 years to watch your investment grow. You decide to invest in the stock market, which you expect it to earn about 10% per year into the future. You decide to invest $200 at the end of each month for the next 38 years (456 months). Calculate your accumulated investment at the end of 38 years. (Round to nearest whole dollar) 10. $ You want to buy a $32,000 car today, but you don't have the cash to buy it. The dealership is offering to loan you the money at 7% interest with payments made monthly for the next six years. If you choose to buy the car, what is your monthly car payment (round to nearest dollar)? 11. $ You want to start saving now so you have cash to buy a $28,000 car in four years. You can earn 9% interest on your monthly payments. How much must you save each month to achieve your $28,000 goal in 4 years (round to nearest dollar)? 12. $ You decide to save $250 every month for the next five years so you can start a small business. You are investing the money and can earn 6%. How much will you have saved by the end of the five years (round to nearest dollar)? 13. Jou won $50,000 from a scratch-off lottery ticket. You decide to invest the money so you have a down payment for a home in 3 years. Your expected annual return is 10%; how much will you have for a down payment in 3 years (round to nearest dollar)