continuation of the practice test im stuck on.

12) Ms. Whodunit needs $10000 to go on her dream vacation in three years. How much does she need to invest now in an account earning 4.5% annual interest compounded semi-annually? [3] 13) After learning about finances in grade 11, you decide to put money where your mouth is and at the end of every month invest $100 into the stock market for the next 48 years (until you retire). Assuming the market returns 8% per annum, compounded monthly, how much will you have after 48 years? [3]