Help me with this please please pleasee

Trish receives $450 on the first of each month. josh receives $450 on the last day of each month. both trish and josh will receive payments for next four years. at a discount rate of 9.5 percent, what is the difference in the present value of these two sets of payments?

Which translation maps the vertex of the graph of the function f(x) = x2 onto the vertex of the function g(x) = x2 – 10x +2?

Me with this assignment ! i only partially understand, so explain. also it's a work sample. at the championship bike race, steve and paula were fighting for first place. steve was 175 feet ahead of paula and had only 300 feet left to go. he was very tired and was going only 9 feet per second. paula was desperate to catch up and was going 15 feet per second. who won the bike race and by how far did she/he win?