hi, any help with these options

Problem 3: (11pts) What is the difference between a $95,000 lump sum that you get today, a 20-year annuity with $10,000 beginning-of-year payments, a 10 annual payments of $13.500 each, the first occurring immediately, 120 monthly payments of $1,200 each, the first occurring immediately using a discount rate of 9% per year using the present value? (5pts) Which option would you prefer? (1pt) Explain the methodology does you are using to draw such a conclusion. (1pt) Draw the PV profile curve for each of these options on the same graph using Excel data table menu (3pts) and discuss the range when one of these options is better than all the others. (1pt)