HI, I need help with this 4 Accounting questions.

Thank you

1. You are looking at a 1-year loan of $1,002. If the quoted interest is 9% plus 1 points, what rate would you actually paying for this loan? 2. If an investment policy pays you $20,084 per year forever and you require 6% p.a. return on this investment, how much will you pay for this policy? 3. An insurance company is offering a new policy. The parent makes the following six payments to the insurance company, and no more payments after child's sixth birthday. When the child reaches age 65, he/she receives a fixed lump-sum amount of X dollars. If the interest rate is 10% for the first 6 years, and 7% for all subsequent years, what is the 'fair' amount of the X? Year 1 2 3 4 5 6 # of years until retirement Payment $ $ $ $ $ $ 800 900 1,000 1,100 1,200 1,300 65 Interest rate 1 # of years 10% 6 Interest rate 2 # of years 7% 59 4. Using the NPV function of Excel, calculate the present value of the following cash flows: Year 1 2 3 4 Cash flow 10,000 12,000 15,000 20,000 Discount rate is 8% p.a