please be as clear and as simple as possible. I am trying to understand it. show me the steps, not only the answers. thank you in advance.

1 You plan to purchase your first house 6 years from today. You want to have $10,000 saved at that time for your down payment. If your savings account earns 4.5% annual interest, how much must you deposit TODAY in order to have $10,000 available in 6 years? 2. Billy Bob has decided to put $2,400 a year (at the end of each year) into an IRA over his 35 year working life and then retire. What will Billy have at retirement if the account will earn 6.7 percent compounded annually? 3. Jane wants to have $550.000 in an account in 11 years. If her account earns 6 percent per annum over the accumulation period, how much must she save per year (end of year) to have the $550,000? 4. You have the opportunity to buy a small 4-unit apartment building for $200,000. You expect that these apartments can be rented to students, generating income of $24,000 per year (S6,000 per apartment) after expenses. You also expect that the building will be uninhabitable and worthless at the end of 10 years. Under these assumptions, what rate of return does the investment generate? 5. Your wealthy uncle has agreed to help finance your education, by lending you $20,000 today for school expenses, at an interest rate of only 3% per year. In return, you agree to repay the loan in a single lump sum, five years from today. How much will you have to pay to settle the debt at that time