book Maths Puzzle Numerical Ability

Any help is appreciated, Thank you!

You want to have $40,000 to buy a new boat in six years. How much do you have to save at the end of each year to reach this goal if you earn

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book Other Question

How does a term differ from a factor?

Identify terms and factors in these examples: 5xy, x2 + 2y + 1, (x + y)(x - y)

e.g. 7ab is a term; 7, a, and b are factors)

here is a question that the teacher through out there in hopes that I knew the answer. 4a (a-1)+3a(cubed)(2a-4)-5(3a Cubed+2-1 and the answer that he put on the board was 4a cubed