3.14 times 6, subtract 3 equals what?

(hurry i need this now)

Trish receives $450 on the first of each month. josh receives $450 on the last day of each month. both trish and josh will receive payments for next four years. at a discount rate of 9.5 percent, what is the difference in the present value of these two sets of payments?

Dexter read 11 science fiction books and 5 history books. lena read 9 science fiction books and 4 history books. compare the students’ ratios of science fiction books to history books. 1. determine the ratios’ form:    science fiction books to history books 2. write the ratios as fractions:    dexter: 115; lena: 94 3. rewrite with a common denominator. 4. compare. 5. answer the question. determine which shows the correct comparison of the ratios for this problem.

Me asap on # : explain how factoring a trinomial, ax^2+ bx+ c, when a does not equal 1 different from factoring a trinomial when a = 1.