Let's work through these three questions step-by-step:

Question 11: Land Value Appreciation

The land's value increases by 7% annually, and in 2010, it was valued at RM 20,000. You are asked to estimate its value in 2020, which is 10 years later.

To calculate the value after 10 years of appreciation, use the formula for compound growth: $V = P \times (1 + r)^t$ Where:

• $V$ is the future value,
• $P = 20,000$ (initial value),
• $r = 0.07$ (annual rate of increase),
• $t = 10$ (number of years).

Now let's calculate this.

Question 12: Vehicle Depreciation

The car's value is RM 45,000 when new, and it depreciates by 10% annually. You need to find the value after 5 years.

For depreciation, use the same formula but with a decrease: $V = P \times (1 - r)^t$ Where:

• $P = 45,000$,
• $r = 0.10$,
• $t = 5$.

I will calculate this too.

Question 13: Compound Interest

A man invests RM 100 each year for 12 years in an account that pays 7% annual compound interest. You are asked to calculate the total value of his investments at the end of 12 years.

This is a case of a series of investments (an annuity) with compound interest. The formula to use is: $A = P \times \frac{(1 + r)^t - 1}{r}$ Where:

• $P = 100$ (annual investment),
• $r = 0.07$ (interest rate),
• $t = 12$ (years).

Let's compute all three.