You plan to visit France for 5 months, (starting next month). You will spend $5,506 in each of those months. How much do you need to invest today to just fund your visit if your investments earn 3.36% APR (compounded monthly)? You plan on going on a 7 month vacation 6 months from now. You can pay $3,966 per month during the vacation, or you can pay $29,272 today. If you pay today, how much does it save (or cost) you in present value term if your investments earn 3.34% APR (compounded monthly)? If it costs you more to pay today, state your answer with a negative sign (eg., -2000)