I am confused by the attributes, using the latest version of Zen, (I need some zen! ARRGH)

I have 2 products with 4 options of buying consulting time in 1/2 hour increments at a discounted rate

and one which has 3 options for price based on the type of loan they have

and on that has quantity tier pricing ie: 1-10-11-20 etc

I want them to show up on the cart as purchase options
Please can you help me in non technical speak

Thank you I will buy you a cup of coffee