Tom has just signed a health insurance plan which requires him to pay $280

Tom has just signed a health insurance plan which requires him to pay $280
1- Tom has just signed a health insurance plan which requires him to pay $280 per month for 6 months. The first payment is due today and the interest rate is 12% per annum. What is the present value of his payments?

2- Calculate the present value of a perpetuity with the first payment made two years from today. Assume the annual amount is $600 and the interest rate is 5% per annum.

Could you please show me how to get the answer both manually and with the financial calculator HP10bll+ use

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