Please answer all and show work

3. Assume the same facts as in problem 2 above, except that Donna negotiates the chance to make her first payment now and continue to pay at the beginning of each year for the 10-year period. How much will she have accumulated?

4. Bill will receive a royalty payment of $18,000 per year for the next 25 years, beginning one year from now, as a result of a book he has written. If a discount rate of 10 percent is applied, should he be willing to sell out his future rights now for $160,000? How about $162,500? $165,000?

8. Your new boss doesnt have a pension or 401(k) plan for your retirement, but she agrees to place aside $12,000 every year once a year for four years. She gives you the option of either starting immediately on your first day of work or starting one year from now. That makes this the difference between an ordinary annuity and an annuity due. If the plan earns 5% per year, compounded annually, what will be the difference between the two approaches after the four years / four payments?

9. Jada is borrowing $40,000 from you today. She agrees to pay you back in annual installments beginning a year from now over eight years, with interest at 3%. What would her annual payment amount be, including both interest and principal?

10. You agree to finance your new SUV with an auto loan of $38,000. This loan will be repaid over three years with monthly payments (and compounding) at a 4% annual interest rate (0.33% per month). What will your monthly loan payment be?