How many different integers represent the sum of two or more members of the set{-4,-3,-2,-1,0,1,2,3,4}?

Icould really use some with this question.

Rewrite the following quadratic functions in intercept or factored form. show your work. f(t) = 20t^2 + 14t - 12

Tim has obtained a 3/27 balloon mortgage. after the initial period, he decided to refinance the balloon payment with a new 30-year mortgage. how many years will he be paying for his mortgage in total?