Lateisha shaw deposits $12000 for 8 years in an account paying 5% compounded quarterly. she then leaves the money alone, with no further deposits, at 6% compounded annually for an additional 6 years. approximate the total amount on deposit after the entire 14-year period.

The formula is
A=p (1+r/k)^kt
A future value?
P present value 12000
R interest rate
T time
K compounding periods

The future value of 8 years in an account paying 5% compounded quarterly
A=12,000×(1+0.05÷4)^(4×8)
A=17,857.566103137 use it as a present value for the second period

at 6% compounded annually for an additional 6 years.
A=17,857.566103137×(1+0.06)^(6)
A=25,331.30answer

The first answer is correct