How much money will you have in 8 years if you invest $4000 at 3.5 compounded quarterly?

I assume that means 3.5% annual interest.

Each quarter we multiply our money by

Eight years is 32 quarters.

So after eight years we have

That's compared to $5120, principal plus simple interest of just 8(3.5%)=28% of 4000.

$5286.08

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