Future value with periodic rates. Matt Johnson delivers newspapers and is putting away $19 at the end of each month from his paper route collections. Matt is 12 years old and will use the money when he goes to college in 6 years. What will be the value of Matt's account in 6 years with his monthly payments if he is earning 7% (APR), 10% (APR), or 12.5%(APR) ? What will be the value of Matt's account in 6 years with his monthly payments if he is earning 7% (APR)? \& (Round to the nearest cent.) Payments with periodic rates. Denise has her heart set on being a millionaire. What payment does Denise need to make at the end of each six months over the coming 40 years at 10% APR to reach her retirement goal of $1.15 million? What semiannually payment does Denise need to make to reach her retirement goal? (Round to the nearest cent.)