Please show how you get to your answer so I can follow along

4-8 What is the present value of $25,000 to be received in 15 years at a (a) 6.2 percent interest rate and (b) 9.6 percent rate? Explain why the present value is lower when the interest rate is higher. (LO 4-3) 4-14 Sunyu plans to deposit $175 in an account at the end of each month for the next seven years so she can take a "bucket-list" trip. The investment will earn 5.4 percent, compounded monthly. (a) How much will she have in the account after the last $175 deposit is made in seven years? (b) How much will be in the account if the deposits are made at the beginning of each month? (LO 4-2 \& 4-5)