please show work do not use excel!

If the appropriate discount rate for the following cash flows is 9 percent compounded quarterly, what is the present value of the cash flows? Year 1 2 3 4 Cash Flow $ 790 860 0 1,340 Suppose you are 40 years old and plan to retire in exactly 20 years. Twenty-one years from now you will need to withdraw $5,000 per year from a retirement fund to supplement your social security payments. You expect to live to the Tige of 85. How much money should you place in the retirement fund each year for the next years to reach your retirement goal if you can earn 12 percent interest per year from the fund