Question:

I need the simple interest and compounded monthly with formulas:

When would an ordinary annuity consisting of quarterly payments of $500 at 6% compounded quarterly be worth more than a principal of $5,000 invested at 4% simple interest?

When would an ordinary annuity consisting of monthly payments of $200 at 5% compounded monthly be worth more than a principal of $10,000 invested at 7.5% compounded monthly?

Please proper both explanation and do not copy from Chegg. Otherwise I have to report the answer.