show full calculations without using excel and calculator notations simple hand working is needed.

Q1. Find the accumulated value of: (a) $500 a month for 4 years 3 months at 10% compounded monthly: () $800 per quarter for 6 years 3 months at 14 % compounded quarterly; (c) $1000 per half-year for 10 years at 12.23% compounded semiannually. Ans. (a) $31 613.95; (b) $31 420.22; (c) $37 243.60 Q2 Lucy deposits $100 every 3 months into a savings account that pays interest at j4 = 6%. If sho makes her first deposit on July 1, 1993, find her total savings just after she makes her deposit in January 1996. Ans. $1186.33 Q3 Find the accumulated value of quarterly deposits of $300 each, immediately after the 32nd deposit, if the deposits earned interest at ja = 10% for the first 5 years and at ja = 12% for the last 3 years. Ans. $15 183.78 04. Beginning June 30, 1992, and every three months until December 31, 1996, Laura deposits $300 into her savings account. Starting September 30, 1997, she makes quarterly withdrawals of $500. What is the balance in her account after the withdrawal of June 30, 1999, if interest is at ja = 8% until March 31, 1995, and j4 = 6% afterward? Ans. $3515.68 Q5. A man wants to accumulate a $200 000 retirement fund. He plans to make the first deposit om March 1, 1984, and the last on September 1, 2005. Find the size of cach deposit, if he makes the deposits (a) semiannually in a fund that pays 12% per annum compounded semiannually; (8) monthly in a fund that pays 12 % per annum compounded monthly Ans. (a) $932.58; (6) $152.70