interest:

P
t
r
SI = PTR/100
P remains constant. interest inc every year

CI =
P changes every term
R = % P.A - per annum
half = r/2
quater - r/4

t - 1 year - 12 months - 2 halves - 4 quaters

half - 2 halves - 1/2 year - 6 months - 2 quaters
quater - 4 quaters - 1/4 year - 3 months

1 1/2 - 3/2 - 3 hlves - 6 quaters

X a/b years =
halves: x/2 + a/b*12
a/b = (m+n)/b
quaters: x/4 +

r = 10%
half yearly: r/2 interest cal. - first 6 months
P = 1005: r/2 1050 = 52.50
= 50+52.25 = 102.25

Y - xb+a
y/b * 12
yearly: 1 year A = 1100
total interest - 100