hi, any help?

Mr. Adrian Ernest Kouakou is 25 years of age today and his salary next year will be $40,000. We consider here that payments are made at the end of each month. Mike forecasts that his salary will increase at a steady rate of 10% per annum until the age 45 and then at the rate of 5% per annum after the age of 45 until his retirement at age 60. These increases happen at the end of the year and take effect over a full year. (a) If the discount rate is 8%, what is the present value of these future salary pay- ments? (6pts) (b) If Mr. Adrian saves 12% of his salary each year and invests these savings at an interest rate of 5%, how much will he have saved by age 60? (4pts) (c) If Mr. Adrian plans to spend these savings in even amounts over the subsequent 20 years, how much can he spend each month if the money left in his account can continue to grow at the rate of 5%? (4pts)