???????????????? "semiannually" ???????????? yu must meen 2 times a yeer . . . . If em reinvest the "interest" so it kompound..... gie1...1.6% & kompound 2 times a yeer . . . 1.6% become 1.016, but for half yeer it become 1.008 . . .i end/start=(1.008)^10=1.082942308 . . . end$=start*1.082942308=50,000*1.0829423..=54,147.12$ . . . ##### gie2...1.05%, kompount monthlee . . . 1.05%=0.0105, but for monty, gotta yuze 0.0105/12=0.000875 . . . end/start=(1.000875)^60=1.05387837 . . . end=start*1.05387837=50,000*1.05387837=52,693.92$