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 $11$ years old and will use the money when he goes to college in $7$ years. What will be the value of Matt's account in $7$ years with his monthly payments if he is earning $7\%($APR$),8\mathrm{.}5\%($APR$),$ or $13\%($APR$)?$

What will be the value of Matt's account in $7$ 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 month over the coming $45$ years at $10\%$ APR to reach her retirement goal of $$1\mathrm{.}15$ million?

What monthly payment does Denise need to make to reach her retirement goal?

$($Round to the nearest cent.$)$