Want help from English native speakers—several English questions!?

Formed only last week" in this sentence refers to the members. Therefore, you are saying the MEMBERS of the Club were formed last week, not that the Club was formed last week. You could say "Member of the club which was formed last week ..." 12:00?

AM or PM? Punctuation is a different question. Sometimes the teaching is no comma before "and."

In other cases the comma is taught. I have no idea which way YOUR teacher thinks. Same thing in #2 example - "Planning for your future ..." addresses/modifies "Saving."

When planning for your future would be correct. And, yes, my college major was English.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.