What is 38.5 as a fraction in simplest form?

Kevin's bank offered him a 4.5% interest rate for his mortgage. if he purchases 3 points, what will be his new rate?

I’m really confused and need to learn this

Tyler reads 2/5 of a book on monday, 1/3 of it on tuesday, 2/9 of it on wednesday, and 3/4 of the remainder on thursday. if he still has 14 pages left to read on friday, how many pages are there in the book?