annual interest rates. One offers quarterly compounding; the other compounds on a semiannual basis. Which investment should he choose? Why?

Regina Henry deposited $$20,000$ in a money market certificate that provides interest of $10\%$ compounded quarterly if the amount is maintained for $3$ years. How much will Regina Henry have at the end of $3$ years?

Will Smith will receive $$80,000$ on December $31,2017(5$ years from now$),$ from a trust fund established by his father. Assuming the appropriate interest rate for discounting is $12\%($compounded semiannually$),$ what is the present value of this amount today?