What is 109/39 simplified

Asocial networking site currently has 400,000 active members, and that figure is predicted to increase by 32% each year. the following expression represents the number of active members on the site after t years.

You can ride your bike around your block 6 times and the whole neighborhood 5 times in 16 minutes. you can ride your bike around your block 3 times and the whole neighborhood 10 times in 23 minutes. how long does it take you to ride around the neighborhood?

If x-1 and x+3 are the factors of x3+10x2+ax+b find a and b