10-What is the present value of $6,900 today? (Assume a 4% annual discount rate)

11-My grandfather says that he will give me $6,900 five years from now. What is the present value of his one-time gift? (Assume a 4% discount rate, compounded annually)

12-My grandfather says that he will give me $105 every month for the next five years. What is the present value of his generous recurring gift? (Assume a 4% discount rate, compounded monthly)

13-Suppose I save $1,200 per month for my retirement. Assuming a 7.5% annual return (compounded monthly), how much money will I have saved after 40 years?

14-I would like to buy a 2021 F-150 Platinum pickup truck, which costs $58,795. I will put $7,000 down and take out a five year loan at 5.49% APR (compounded monthly) for the remainder. How much are my monthly payments?