exam Maths Puzzle Numerical Ability

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Calculate the present value.
A=$20,000 r =12% compounded monthly, t=5 years

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exam Other Question

Can some one please help me help my grandson with this problem.??
Q: Assuming x is a positive #, useing the Logorithim properties to present the expression; log(x+4) - log x as the logorithim of a single quantity.

Thank you very much. Combining all four operations of polynomials, can this be solved or simplified?

[9x^2 - (3/4)x] - [(1/2)x - 4]

Thank you.