What is a good response to the information below?opinion about it....

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The nature of interest is the concept of money that is paid regularly at a particular rate for the use of money lent (principal), or for delaying the repayment of a debt. There are two methods of calculating interest known as simple and compound interest. Simple interest is defined as interest that is earned or paid only on the principal. Compound interest is defined as interest that is earned on both the principal and any interest that has been earned previously. To answer the question of Mary's investment options, I believe Mary should choose quarterly compounding, because the balance in the account on which interest will be earned will be increased more frequently, thereby resulting in more interest earned on the investment.