please don't use Excel to answer these questions, and please explain it step by step

If you invest $56000 to earn 8% interest, which of the following compounding approaches would return the lowest amount after one year? 2 Which table would you use to determine what amount was deposited five years ago to provide $1950 today? D. Future value of 1 or present value of 1 D Future value of an ordinary annuity of 1 D Future value of an annuity due of 1 D Present value of an ordinary annuity of 1 Which table would you use to determine how much must be deposited now in order to provide for 5 3 annual withdrawals at the beginning of each year, starting one year from the first deposit? Future value of an annuity due of 1 Future value of an ordinary annuity of 1 Present value of an annuity due of 1 Present value of an ordinary annuity of 1 Susan Gray wants to invest a certain sum of money at the end of each year for five years. The investment will earn 8% compounded annually. At the end of five years, she will need a total of $36000 accumulated. How should she compute her required annual investment? $36000 times the present value of a 5 -year, 8% ordinary annuity of 1 . $36000 divided by the present value of a 5 -year, 8% ordinary annuity of 1 . $36000 divided by the future value of a 5 -year, 8% ordinary annuity of 1 . $36000 times the future value of a 5 -year, 8% ordinary annuity of 1