show calculations please!

18. You want to save $75 a month for the next 15 years and hope to earn an average rate of return of 14 percent. How much more will you have at the end of the 15 years if you invest your money at the beginning of each month rather than the end of each month? (\$530.06) 19. What is the effective annual rate of 10.5 percent compounded semi-annually? (10.78\%) 20. What is the effective annual rate of 9 percent compounded quarterly? (9.31\%) 21. Fancy Interiors offers credit to customers at a rate of 1.65 percent per month. What is the effective annual rate of this credit offer? (21.70%) 22. What is the effective annual rate of 12.75 percent compounded daily? ( 13.60 percent) 23. Your grandparents loaned you money at 0.5 percent interest per month. The APR on this loan is percent and the EAR is percent. (6.00;6.17) 24. Three years ago, you took out a loan for $9,000. Over those three years, you paid equal monthly payments totaling $11,826. What was the APR on your loan? (18.69%)