please help me answer these 5 questions! with steps! thank u

5. Future Values. You deposit $1,000 in your bank account. ( LO5I) a. If the bank pays 4% simple interest, how much will you accumulate in your account after 10 years? b. How much will you accumulate if the bank pays compound interest? 33. Delayed Annuities. Suppose that you will receive annual payments of $10,000 for a period of 10 years. The first payment will be made four years from now. If the interest rate is 5%, what is the present value of this stream of payments? (LO5-3) 45. Retirement Savings. A couple thinking about retirement decide to put aside $3,000 each year in a savings plan that earns 8% interest. In five years they will receive a gift of $10,000 that also can be invested. (LO5-3) a. How much money will they have accumulated 30 years from now? b. If their goal is to retire with $800,000 of savings, how much extra do they need to save every year? 63. Effective Interest Rate. If you take out an $8,000 car loan that calls for 48 monthly payments of $240 each, what is the APR of the loan? What is the effective annual interest rate on the loan? (LO5-4) 67. Real versus Nominal Dollars. Your consulting firm will produce cash flows of $100,000 this year, and you expect cash flow thereafter to keep pace with any increase in the general level of prices. The interest rate currently is 6%, and you anticipate inflation of about 2%. (LO5-5) a. What is the present value of your firm's cash flows for years 1 through 5 ? b. How would your answer to part (a) change if you anticipated no growth in cash flow