please solve all these problem without using excel and show all steps

Question No.30 Using the following table of spot rates, calculate the total value at time 5 of the following two cash flows: 3,000 at time 0 3,000 at time 3 Assume that the cash flow at time 3 is invested at today's forward rates. Term (years) 1 2 3 4 5 Spot rate 6.00% 6.10% 6.40% 6.80% 7.50% A. 7,684 B. 7,411 C. 7,882 D. 7,566 E. 8,568 Question No.31 Amanda has a 10-year increasing annuity-immediate that pays 30 at the end of the first year and has payments that increase by 5 each year thereafter. Kevin has a 10-payment decreasing annuity that pays X at the end of the first year and has payments that decrease by 2 each year thereafter. At an annual effective interest rate of 4%, both annuities have the same present value. Calculate A. 61.60 B. 42.53 C. 28.60 D. 59.24 E. 47.99 Question No.32 Louise plans to repay a loan of 3,00 over a period of 10 years by making semi-annual payments. The loan bears interest at a nominal rate of 5% convertible semi-annually. The amount of Louise's first payment is X. Each subsequent payment will increase by 10 until the loan is exactly paid off at the end of 10 years. What is the total amount of interest that Louise will pay over 10-year term of the loan? A. 982 B. 1,012 C. 1.112 D. 1.182 E.1.192 Question No.33 An account carns interest at a rate such that "=0.02. Calculate the total amount of interest carned in this account over a 13-year period if semi-annual deposits of 500 are made at the beginning of each 6-month period. A. 1.977 B. 1.926 C. 1.845 D. 1.777 E. 1,521