please help with all the steps leading to these solutions not using excel or a financial calculator. thank you!

3. Your client has decided to invest $2,000 a year (every December 31") into an IRA over her 40-year working life and then retire. What will your client have if the account earns 10% compounded annually? SOLUTION: FVAN.0 = $2,000(442.590) = 5885,185,11 4. Your other client is thinking of investing $10,000 per year (or $5,000 every six months) for the next twenty years in an annuity. How much will she eventually receive if it earns 5% compounded semi-annually? SOLUTION: FVAN,0 - $5,000(67.403) = $337,012.77