Please help, I need to see how you find the steps to figure out PV,FV ,PMT, I/Y, N of each problem

Thank you.

8. Today is Dereks 25^th birthday and he needs to have $5,000,000 in his retirement account on his 65^th birthday. In order to achieve this, he will make annual deposits into the account starting on his 26^th birthday and ending on his 65^th birthday. How much must the annual deposits be? Assume his retirement account will pay 10% interest.( Answer: 11,297.07)

9. Kevin will retire on his 65^th birthday. He wants to withdraw $150,000 from his retirement account on each birthday from his 76^th to his 85^th to cover his living expense. How much will he need in his retirement account on his 65^th birthday? Assume interest rate is 10%.( Answer: 355,349)

10. John will retire on his 65^th birthday. He wants to withdraw $150,000 from his retirement account on each birthday from his 66^th to his 85^th to cover his living expense. In addition to these annual withdrawals, he wants to withdraw $500,000 from his account on his 85^th birthday to buy a beach house at Florida. How much will he need in his retirement account on his 65^th birthday? Assume interest rate is 10%.( Answer: 1, 351,356)

11. A bank offers 12% APR on saving accounts, what is the effective annual rate (EAR) if the interest is compounded monthly? . (Answer: 12.68%)

12. Derek borrows $300,000 to buy a house. He has a 30-year mortgage with a rate of 6.00% APR. Right after making 100 payments, what is the current mortgage balance? (Answer: 261,374)

13. A couple has just purchased a home for $381,523.00. They will pay 20% down in cash, and finance the remaining balance. The mortgage broker has gotten them a mortgage rate of 5.88% APR with monthly compounding. The mortgage has a term of 30 years. What is the monthly payment on the loan?( Answer: 1,806.46)

14. Today is Dereks 25^th birthday and he plans to retire on his 65^th birthday. He wants to withdraw$150,000 from his retirement account on each birthday from his 76^th to his 85^th to cover his living expense. In order to achieve this, he will make annual deposits into the account starting on his 26^th birthday and ending on his 65^th birthday. How much must the annual deposits be? Assume his retirement account will pay 5% interest. (Answer: 5,886.36)