If your desperate ytou should start getting familar with the math lesson and text book and try a little reading for a change how I would do it is divide the value by 100 and the quiotient of that is equal to 1 percent.... the multiply it by four and add that that going up every year like this....
1 year $25,000
2 year $25,000 + 4%
3 year $25,000 + 4% + 4%
4 year $25,000 + 4% + 4% + 4%
5 year $25,000 + 4% + 4% + 4% +4%
6 year $25,000 + 4% + 4% + 4% +4% + 4%
7 year $25,000 + 4% + 4% + 4% +4% + 4% + 4%
8 year $25,000 + 4% + 4% + 4% +4% + 4% + 4% + 4%
9 year $25,000 + 4% + 4% + 4% +4% + 4% + 4% + 4% + 4%
10 year $25,000 + 4% + 4% + 4% +4% + 4% + 4% + 4% + 4% + 4%
once you do this you will get your answer