Answer:
The certificate will be worth $5,559.92 on Ruth's 19th birthday.
Step-by-step explanation:
The compound interest formula is given by:

Where A is the amount of money, P is the principal(the initial sum of money), r is the interest rate(as a decimal value), n is the number of times that interest is compounded per unit t and t is the time the money is invested or borrowed for.
In this problem, we have that:

So


The certificate will be worth $5,559.92 on Ruth's 19th birthday.
You have the right idea that things need to get multiplied.
What should be done is that the entire fraction needs to get multipled by the lowest common denominator of both denominators.
Let's look at the complex numerator. Its denominators are 5 and x + 6. Nothing is common with these, so both pieces are needed.
The complex denominator has x - 3 as its denominator. With nothing in common between it and the complex numerator, that piece is needed.
So we multiply the entire complex fraction by (5)(x + 6)(x -3).
Numerator: 
= (x+6)(x-3) - (5)(5)(x-3)
= (x+6)(x-3) - 25(x-3)
= (x-3)(x + 6 - 25) <--- by group factoring the common x - 3
= (x -3)(x - 19)
Denominator:

Now we put the pieces together.
Our fraction simplies to (x - 3) (x - 19) / 125 (x + 6)