Formulas would be super helpful in any answers! thanks to anyone who answers!

7. What is the future value of $14400 in 12 years assuming an interest rate of 4 percent compounded monthly?

8. Maybepay Life Insurance Co. is selling a perpetual contract that pays $4000/year. The contract currently sells for $119000. What is the rate of return on this investment? Enter answer with 4 decimals (e.g. 0.1234).

9. You expect to graduate with $52100 in student loans. The interest rate on your loan is 7.2 percent compounded monthly and the loan calls for fixed monthly payments. If you repay the loan in 27 years how much are you paying in total interest over the life of the loan? (HINT: you need to calculate the monthly payment first).

10. You are excited to buy your first house. Based on your credit history, the bank is willing to lend you money at 7 percent interest compounded monthly. You can afford monthly payments of $1500. How much can you afford to borrow? Assume the mortgage is for 23 years.

11. You currently have $20000.00 in a bank account that pays you 5 percent interest annually. You plan to deposit $800 (starting 1 year from now) every year for the next 10 years in the same account. How much are you going to have in that account at the end of 10 years?