please help solve exercise 3,4,5

using Theory of interests formula (explain please)

3.-/1 points An 8-year annuity due has periodic cash flows of $140 each year. Find the accumulated value of this annuity if the effective annual interest rate is 4%. Answer = $ (round your answer to 2 decimal places.) 4.-/1 points A 10-year annuity due has periodic cash flows of $90 each year. Find the present value of this annuity if the effective annual interest rate is 7%. Answer = $ (round your answer to 2 decimal places.) 5.-/1 points Calculate the accumulated value immediately after the last pay ulated value immediately after the last payment of a 20 year annuity due of annual payments of 550 per year. The annual effective interest rate is 4%. Answer = $ (round your answer to 2 decimal places.)