Howard has been contributing $1200 every three months to an investment plan that has consistently earned 3% compounded quarterly. He did this for 4 and 1/2 years until he lost his job unexpectedly and has to stop contributing to the plan during the 9 months he was unemployed. Once he secured a new job, he restarted his contributions, increasing them into $1500 every three months. If the rate of return on his investment is now 4.5% compounded quarterly, how much can Howard expect to have in his investment plan after contributing for another 10 years in his new job?