Future value with periodic rates. Matt Johnson delivers newspapers and is putting away $18 at the end of each month from his paper route collections. Matt is 9 years old and will use the money when he goes to college in 9 years. What will be the value of Matt's account in 9 years with his monthly payments if he is earning 5% (APR), 8% (APR), or 12% (APR)? What will be the value of Matt's account in 9 years with his monthly payments if he is earning 5% (APR)