36 divided by 3 in distributive property

Really need on these. i have no idea what to do

If your annual gross income is $62,000 and you have one monthly car payment of $335 and a monthly student loan payment of $225, what is the maximum house payment you can afford. consider a standard 28% front-end ratio and a 36% back-end ratio. also, to complete your calculation, the annual property tax will be $3,600 and the annual homeowner's premium will be $360.

The vertex of this parabola is at (-2,-3). when the x-value is -1, the y-value is -5. what is the coefficient of the squared expression in the parabola's equation?