Could you solve these questions with explanations?

1) A jet-setting lawyer plans on living large on the French Rivera in retirement. The lawyer anticipates living for 18.00 more years after retirement and will need $256,100.00 per year to support her life in the South of France. While retired, she will keep her money in a tax-free account that pays 2.00% per year. How much money will the lawyer need when she retires? (assume beginning of the year withdrawals)

2) You are considering two home security companies for your new house. The first company offers free installation and equipment, but will charge you $372.00 per year for the next five years. The second company charges $791.00 for installation, but will charge you $119.00 per year for the next five years. Assume that payments are at the END of the year. Your personal interest rate is 4.00%.

3) Robert has inherited some money from his great-grandfather. He will get $4,730.00 when he graduates college (at age 22) and an additional $9,700.00 at the age of 25. He is currently 20 years old. Robert will invest each cash flow in an account that pays 6.00% APR. What will be the future value of this account if he keeps it invested until he turns 30?

4) You have saved $17,162.00 for a three-year vacation to Germany. You will keep your money invested in an account paying 8.28% APR with monthly compounding while you live in Munich. You will make your withdrawals at the beginning of the month.

What is the balance on the account after the first month? (This is the balance prior to the withdrawal for the second month)

5) A lender offers you a mortgage with an APR of 4.44% with monthly compounding. What is the effective rate of interest charged by the lender?