Please answer both 7 and 8. Thank you!

You want to invest an amount today that will last for 6 years and allow you to withdraw $285 at the end of each 6-month period. You earn 4% APR compounded semiannually on your investment. How much do you need to invest today to achieve your goal? Your Answer: Answer Question 8 (0.5 points) You have credit card debt of $4,000 at 19% APR compounded monthly. If you charge no more purchases to the card and make monthly payments of $400, how many months will it take you to payoff your debt