If a man won 12,000.00 a year for ten years, with the interest rate 12%, how much does the lottery have to invest today to pay this prize to the man over the next ten years?

If a man won 12,000.00 a year for ten years, with the interest rate 12%, how much does the lottery have to invest today to pay this prize to the man over the next ten years?
If a man wants to save 10,000.00 by the end of 3 years, and has 2500.00 now, how much would a year end deposit to the savings be ? The interest rate is 8%?