please do questions 11-12

11. What is the effective annual percentage rate being paid by a bank when the nominal or stated annual interest rate is 10%, and the interest is compounded semiannually? Answer the following questions concerning time value of money analysis. a. Why are discounted cash flow (time value of money) concepts so important in financial analysis? What is a time line? What is a lump-sum cash flow? An annuity? An uneven cash flow stream? b. What is the future value of $100 after three years if it is invested in an account paying 10 percent annual interest? What is the present value of $100 to be received in three years if the appropriate interest rate is 10 percent