book Maths Puzzle Numerical Ability

Hello, I stumbled upon this site using google, and I happened to run across a problem that caught my eye, because the tutor who "solved" the problem was wrong. The problem is:

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you deposit $712 into a saving account for three years. The account pays 6% annual interest,compounded monthly. To calculate the balance in your account after three years, you can Factoring out Monomials PLEASE HELP ME OUT ????
Mr. Jones says that he has 3 daughters, the product of whose s is 72. Furthermore, the sum of their ages is equal to his house numb