I need help with questions 2,3,4 and 5 please!

Acredit card advertises an annual interest rate of 23%. what is the equivalent monthly interest rate?

Me! i really need to get this right before 9. prove the divisibility of 7^6+7^5-7^4 by 11. use factoring so you get a number times 11. just tell me the number. i need this done asap

Factor the polynomial expression x6 – x3 – 20