1. Find the present and accumulated values of an annuity which pays $800 at the end of each year for 10 years if the annual effective rate of interest is 5%. 2. Find the present and accumulated values of an annuity paying $50 at the end of each month for 4 years at 12% annual interest compounded monthly. 3. Same problem as 2 but with a 12% annual effective rate of interest. 4. Find the present value of the annuity described in Problem 2 if the payments are made at the beginning of each month