Jan
Welcome to the world of JY, I have done neither of these tours, but I have travelled around the world with JY since 2006, I have done many USA tours. Have you looked to see if anybody has left a review on that section. THe tours work really well, well organised the age range mix is good, more ladies than men travel with JY. Some tours can be very hectic so really read up on the description on what's on offer.
How much money to take can add up, there might be optional excursions you would like to do, shopping!!!!!. Etc
Also there are lunches, evening meals, and coffee and cake stops along the way as well this all adds up..
Don't forget you will need insurance to cover you for USA, I would take a credit card and debit card just in case, I always let the bank and credit company know I am travelling and where to.
I hope someone that has been in these tours can offer you the help,you need.
Good luck
Cindy