Can someone help me with this question please :( its so hard

The XYZ Company is offering the public a retirement scheme that pays $30,000 a year for a maximum period of 25 years, with the first payment beginning in 21 years' time. It is offering the following payment schemes: Option 1 Pay a year over a period of 10 years, with the first payment to be made in one year's time. Option 2 In one year's time pay $7,000 with the amount growing by 5% each year for a total period of payments of 20 years. Option 3 Make a total of 10 payments of $20,000. The first payment begins in two years' time with payment made every two years.