PLEASE HELP Easy math just can’t figure it out

Find the zero function by factoring (try to show work) h(x)=-x^2-6x-9

Ineed someone to me answer my question i have to have this done and knocked out

Jack is considering a list of features and fees for current bank: jack plans on using network atms about 4 times per month. what would be jack’s total estimated annual fees for a checking account with direct paycheck deposit, one overdraft per year, and no 2nd copies of statements? a. $44 b. $104 c. $144 d. $176