if Raymond has an investment offer to invest a lump sum of money now and then receive $3,500 every 6 months. What is such investment has to be made now if interest is 8% compounded quarterly and the payments of $3,500 will be:

1. At the end of every 6 months for 15 years? (5)
2. At the beginning of every 6 months for 10 years? (4)
3. At the end of every 6 months for 8 years but deferred for 4 years? (4)
4. At the beginning of every 6 months or 9 years but deferred for 3 years? (4)
5. At the beginning of every 6 months in perpetuity? (3)

written out formula work please.