Please help. Struggling with these two compound interest questions.

1. How much would you need to invest today to have $4,500 in 6 years and 4
Months, if interest is 3% compounded quarterly?


2. John invested $5000 at 1.25% compounded semiannually. After 30 months,
The interest rate increased by 0.75%. How much will the investment be
Worth after 5 years?

Using a spreadsheet, divide $4,500 by (1.03)^25.333

25 comes from (6 yrs times 4) plus 1quarter +1/3 quarter = 25.333

The answer I got was $2,128.36

Here we have (1.0123)^5 times $5000 = $5,320.41

Then we have (1.02)^5 times $5320.41 = $5,874.16