can you explain how to do these on a financial calculator please!

15. You want to retire in 40 years with 1M in the bank. You can save $350/month at the end of each month. What annual percentage rate (APR) do you need to earn to achieve this goal? What is your effective rate (EAR)? 16. You will receive $500 today and every month for the next 20 years. You will receive this payment at the beginning of the month. Assume you can earn 5% on this annuity. How much is it worth? a. What is the value if the annuity pays at the end of the month? b. What is the difference between the two annuities? o tego w