what is a good response to the information below???opinion.....

The nature of interest is the excess of cash received or repaid for the use of money that is lent or borrowed.

Mary, in this case, is deciding to invest a $5,000 gift she received for her graduation. The excess of this investment could be semiannual or quarterly compounding with a 9% annual interest rate.

If she uses semiannual compounding for a period of 5 years she will make a total of 7,825.79 obtaining a gain of $2,825.79.

But if Mary uses quarterly compounding for a period of 5 years she will make a total on 7,833.65 obtaining a gain of $2,833.65.

As you can see, she should use quarterly compounding because she will obtain more capital.