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Today is your 21 st birthday and your bank account balance is $25,000. Your account is earning 6.5% interest compounded semiannually. How much will be

Today is your 21stbirthday and your bank account balance is $25,000. Your account is earning 6.5% interest compounded semiannually. How much will be in the account on your 50thbirthday?

Can you please help me this, I use the calculate and got this answer

  1. if I used interest compounded semiannually = 4 . I got $162,183
  2. if I used interest compounded semiannually = 12 . I got $163,832

I am so much confusing which one is correct . Can you please show me steps by steps. Thanks

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