how do I work both of these problem using excel and formulas

Value of a retirement annuity Personal Finance Problem An insurance agent is trying to sell you an annuity, that will provide you with $12,500 at the end of each year for the next 25 years. If you don't purchase this annuity. you can invest your money and earn a return of 3%. What is the most you would pay for this annuity right now? Ignoring taxes, the most you would pay for this annuity is $|:|. [Round to the nearest sent.) Beta coefficients and the capital asset pricing model Personal Finance Problem Katherine Wilson is wondering how much risk she must undertake to generate an acceptable return on her porfolio. The risk-free return currently is 2%. The return on the overall stock market is 9%. Use the CAPM to calculate how high the beta coefficient of Katherine's portfolio would have to be to achieve a portfolio return of 19%. The beta of the portfolio is (Round to four decimal places.)