for the followng questions PLEASE USE EXCEL FUNCTIONS if its possible, if not provide step by step solution because i do not understand them.

1. A commercial bank will loan you $30,144 for 4 years to buy a car. The loan must be repaid in equal monthly payments at the end of the month. The annual interest rate on the loan is 13.88 percent of the unpaid balance. What is the amount of the monthly payments?

2. What is the present value of the following future amount? $239,161, to be received 7 years from now, discounted back to the present at 15.62 percent, compounded daily.

3. You have accumulated some money for your retirement. You are going to withdraw $65,178 every year at the end of the year for the next 29 years. How much money have you accumulated for your retirement? Your account pays you 19.43 percent per year, compounded annually. To answer this question, you have to find the present value of these cash flows.

4. You have been offered the opportunity to invest in a project that will pay $2,317 per year at the end of years one through three and $5,404 per year at the end of years four and five. These cash flows will be placed in a saving account that pays 12.72 percent per year. What is the future value of this cash flow pattern at the end of year five?