PLEASE PLEASE PLEASE HELP! i don't understand how to solve these finance questions. Even if you can't help me with all of them, if you could explain some, that would be so helpful!

1. Beatrice invests $1,310 in an account that pays 5 percent simple interest. How much more could she have earned over a 6-year period if the interest had compounded annually?

2.You have just made your first $5,000 contribution to your individual retirement account. Assuming you earn a 5 percent rate of return and make no additional contributions, what will your account be worth when you retire in 35 years? What if you wait for 5 years before contributing?

3. Winston Enterprises would like to buy some additional land and build a new factory. The anticipated total cost is $150.3 million. The owner of the firm is quite conservative and will only do this when the company has sufficient funds to pay cash for the entire expansion project. Management has decided to save $550,000 a month for this purpose. The firm earns 6 percent compounded monthly on the funds it saves. How long does the company have to wait before expanding its operations? (Do not round intermediate calculations.)

4. One year ago, the Jenkins Family Fun Center deposited $5,300 in an investment account for the purpose of buying new equipment four years from today. Today, they are adding another $7,100 to this account. They plan on making a final deposit of $9,300 to the account next year. How much will be available when they are ready to buy the equipment, assuming they earn a 8 percent rate of return?

5. Your parents are giving you $290 a month for 4 years while you are in college. At a 5 percent discount rate, what are these payments worth to you when you first start college?

6. Marko, Inc. is considering the purchase of ABC Co. Marko believes that ABC Co. can generate cash flows of $5,600, $10,600, and $16,800 over the next three years, respectively. After that time, they feel the business will be worthless. Marko has determined that a rate of return of 10 percent is applicable to this potential purchase. What is Marko willing to pay today to buy ABC Co.?

7. You are considering an annuity which costs $75600 today. The annuity pays $6900 a year. The rate of return is 6 percent. What is the length of the annuity time period? (Do not round intermediate calculations.)

8. You just paid $352,000 for a policy that will pay you and your heirs $12,400 a year forever. What rate of return are you earning on this policy?

9. You are scheduled to receive annual payments of $10,200 for each of the next 20 years. Your discount rate is 11 percent. What is the difference in the present value if you receive these payments at the beginning of each year rather than at the end of each year?

10. You are paying an effective annual rate of 15.00 percent on your credit card. The interest is compounded monthly. What is the annual percentage rate on your account?

11. First Trust offers personal loans at 7.7 percent compounded monthly. Second Bank offers similar loans at 7.75 percent compounded semiannually. Which one of the following statements is correct concerning these loans?

a) The First Trust Loans has an annual percentage rate of 7.98 percent.

b) The Second Bank loan has an effective rate of 8.03 percent.

c) The annual percentage rate for the Second Bank loans is 7.90 percent. Borrowers should prefer the loans offered by Second Bank.

d) First Trust offers the best deal on loans.

12. Amish Bakery needs $210,000 today to fund a new project. The project will not produce any cash flows for two years and thus the firm agreed to a two-year, pure discount loan at 7.5 percent interest. How much will the firm owe on this loan at the time it must be repaid?

13. The Rent-to-Own Store has a six-year, interest-only loan at 12 percent interest. The firm originally borrowed $125,000. How much will the firm pay in total interest over the life of the loan?

14. Popeye's Fried Chicken just took out an 8 percent interest-only loan of $50,000 for three years. Payments are to be made at the end of each year. What is the amount of the payment that will be due at the end of year 3?