3-9. What amount would need to be paid each January 1 if at the end of 15 years (15 payments) you desired the amount of $10,000? Annual in- terest is 5%. (Note: The last payment will coin- cide with...

someone solve this but not use excel

Extracted text: 3-9. What amount would need to be paid each January 1 if at the end of 15 years (15 payments) you desired the amount of $10,000? Annual in- terest is 5%. (Note: The last payment will coin- cide with the time of the $10,000 balance.) ( 3-10. A future amount, F, is equivalent to $1,500 now when 8 years separates the amounts and the annual interest is 12%. What is the value of F? (