can i get the answer but not in excel because i don't really understand if using excel.

5-22. (Present value of an annuity) Suppose you have been offered a few investment opportunities in Estonia. What is the present value of each of the following annuities? a. $2,700 a year for 12 years discounted back to the present at 6 percent b. $75 a year for 2 years discounted back to the present at 3 percent c. $390 a year for 8 years discounted back to the present at 5 percent d. $550 a year for 9 years discounted back to the present at 9 percent 5-23. (Solving for Present Value with Annuities) Angus McDonald, a third-year accounting student studying in Scotland, receives a call from an insurance agent, who believes Angus is an older man ready to retire from teaching. He talks to him about several annuities that he could buy that would guarantee him an annual fixed income. The annuities are as follows: INITIAL PAYMENT INTO AMOUNT OF DURATION ANNUITY MONEY RECEIVED OF ANNUITY ANNUITY (AT t = 0) PER YEAR (YEARS) $40,000 $7,500 12 $70,000 $8,500 25 C $80,000 $9,500 20 B If Angus could earn 12 percent on his money by placing it in a savings account, should he place it instead in any of the annuities? Which ones, if any? Why