exam Maths Puzzle Numerical Ability

why are the two types of circular permutations different?in case of beads (n-1)! is used and in case of beads (n-1)!/2 is used. why?? in case of flowers which one of them will be used??

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A total of $9000 is invested, part at 4% and part at 5%. How much did he invest at each rate if his income was $380? At the beginning of the Alay Lakad, Rizza and Angel are 30 km apart. If they leave at the same time and walk in the same direction, Rizza overtakes Angels in 60 hours. If they walk towards each other, they meet in 5 hours. What are their speeds?