How many licks does it take to get to the center of a tootsie pop?

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.

An apartment has a replacement cost of $950,000 and contents valued at $1,450,000. it has a classification of a and a territory rating of 3. find the annual premium a) $10,185 b) $9,230 c) $3,155 d) $13,830

This is my question~~ ( r ^ 4 - 2r ^ 3 - 23 r ^ 2 - 4r - 32)÷(r+4) ~~ i must use long division to solve it : / i was wondering if anyone world like to solve it. and if so, share step-by-step explanations! you! ❤