hi, how would go about solving this question I desperately wanna know the steps.

Click to see additional instructions On 1 January 2022 an investor opens a savings account and plans on making the following deposits into the account: . R14,500 on 1 December 2022. R19,750 on 31 August 2024. From 1 January 2022 to 30 June 2023 the account earns interest at an effective rate of 9.12% per year. Thereafter the account earns interest at a rate of 10.8% per year, compounded monthly Calculate the total present value of the investments on 1 January 2022. PV = R (Round answer to two decimal places eg 1250,25)