tlic

what is the future value of $4000 at 6% compounded semiannually for nine years rounded to the nearest cent?

What is the future value of $4000 in a bank for 18 years at a annual interest rate of 6% rounded to the nearest cent.

That is what I came up with, so when I do my calculation as followed 4000 x 1.03 i get 4120. I understand the ^18 is coming the 2x9, but somehow I'm confused on the next step after my first calculation step.