PLEASE HELP ME ANSWER THIS THIS IS ABOUT TIME VALUE OF MONEY

1. You are offered you are offered an annuity that will pay 10000 per year for 10 years starting after five years have elapsed. if you seek an annual return of 8 percent, what is the maximum amount you should pay for this annuity?
2. You purchase a town house for 140,000. After a down payment of 30,000, you obtain a mortgage loan at 9 percent that requires annual payments for 15 years.

a. What are the annual payments?

b. How much of the first payment goes to pay the interest?

c. What is the remaining mortgage balance after the first payment is made?

3, You contribute 1000 annually to a retirement account for 8 years and stop making payments at the age of 25. your twin brother opens an account at age 25 and contributes 1000 a year until retirement at age 65 (40 years). you both earn 10 percent on your investments. how much can each of you withdraw for 20 years (ages 66 through 85) from the retirement accounts?

4, Uncle Fred recently died and left 325,000 to his 50 year old favorite niece. She immediately spent 100,000 on a town home but decided to invest the balance for her retirement at age 65. what rate of return must she earn on her investment over the next 15 years to permit her to withdraw 75,000 at the end of each year through age 80 if her funds earn 10 percent annually during retirement?