I can't figure out these questions, hoping someone will be able to answer them for me.

1) Maybepay Life Insurance Co. is selling a perpetual contract that pays $4000/year. The contract currently sells for $146000. What is the rate of return on this investment? *Enter answer as 4 decimals*

2) You are to make monthly deposits of $1200 into a retirement account that pays 8 percent interest compounded monthly. If your first deposit will be made one month from now, how large will your retirement account be in 5 years?

3) You expect to graduate with $42900 in student loans. The interest rate on your loan is 4.9 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?

4)You are excited to buy your first house. Based on your credit history, the bank is willing to lend you money at 4 percent interest compounded monthly. You can afford monthly payments of $1300. How much can you afford to borrow? Assume the mortgage is for 23 years.

5) 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?

6)You currently have $20000.00 in a bank account that pays you 5 percent interest annually. You plan to withdraw $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?

7)You currently have $39471.00 in an account that pays 5 percent interest. You plan to deposit in this account $3581 at the end of each year until the account reaches $124578. How long would that take? Enter your answer with 4 decimals