PLS HELP WITH THESE TWO QUESTIONS NO LINKS

My final challenge question of the day! i have no tests, nothing to do this for, it is simply giving away free points for a you tube video! so 50 free points for answering the most simple question ever! here is the key to getting brainiest for this question. answer in under 50 seconds. you think you can do it. i think you can. here is the question: 1x2= i know! easiest question ever! and yes! if you answer this question, you will be on you so come on and get the free 50 while you can!

Find a third-degree polynomial equation with rational coefficients that has roots -2 and 6+i

Problem 3 a bank charges a service fee of $7.50 per month for a checking account. a bank account has $85.00. if no money is deposited or withdrawn except the service charge, how many months until the account balance is negative