book Maths Puzzle Numerical Ability

((( cindy has $6.05 in quarters and nickels. How many of each coin does she have if there are 53 coins in all.)))) Can you please help me set up this problem

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hi. i need to know how to factor this equation:

12x^3-23x^2-3x+2

i know that the answer is:

(x-2)(3x+1)(4x-1),

but i don't know how to get this result. please give me
Suppose W varies directly as x and y and inversely as Z, and W=48 when X=2, Y=8 and Z=12. Find W when X=12, Y=6 and Z=24.