How can these be solved with a financial calculator or hand-written formula?

31. Worker A annually invests $2,500 in an IRA for ten years (ages 26 through 35) and never makes another contribution, and leaves the accumulation in the account for 30 years at 10%. Worker B annually invests $2,500 in an IRA for thirty years (ages 36 through 65). What will each worker have in their retirement account at age 65? Interest rate is 10%. Worker A Worker B _2 points 2 points 32. You are hurt in a car accident and your lawyer wins a settlement to be distributed as follows: $45,000 immediate payment $9,000 a year for ten years starting now $70,000 after ten years. If the lawyer's fee is $25,000, what is the present value of this settlement if the interest rate is 10 percent? Present Value 5 points. (please show your work)