A careful father decides to deposit $51.00 every month to fund his daughters college education. He deposits the money in a fund that pays 4.44% APR. His first deposit will be in one month, and his daughter will start college in 13.00 years. How much money will he have saved for his daughter at the end of the 13.00th year?

An investor plans the following investments for the next 20 years: 12.00 years of $10,075.00 per year, and 8.00 years of $13,775.00 per year. She thinks his investments will earn 4.00% a year for the first 12.00 years, and then earn 11.00% per year for the last 8.00 years. How much would the investor have to set aside today if she wants to fund the entire account?