book Maths Puzzle Numerical Ability

(-7)x(+3)= the answers are....-4, -21, -10, or 4

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book Other Question

The future value of an amount of money is said to be the value of the amount of money that
is allowed at an interest rate over time, and is given by the formula:



where:
F
x(y+12) divided by 10 (x-y) x=5 y=3

All I would like to know is how to do this problem. Thanks.