Q18) You invest $4,389.00 at the beginning of every year and your friend invests $4,389.00 at the end of every year. If you both earn an annual rate of return of 11.27% , how much more money will you have after 19.0 years? (2 points) Q19) You currently have $1,816.00 in a retirement Savings account that earns an annual return of 9.60%. You want to retire in 38.0 years with 1,000,000. How much more do you need to Save at the end of every year to reach your retirement goal? (2 points) Q20) You currently owe $2,183.00 of your credit card that charges an annual interest rate of 19.33% . You make $176.00 of new charges every month and make a payment of $178.00 every month. What will your credit card balance be in three months? (2 points)