How to tell when to use positive or negative symbols when dividing?

Which shows one way to determine the factors of 4x3 + x2 – 8x – 2 by grouping?

Aretha wanted to gather data about the cost of local bowling leagues in her area. she plotted the data and determined that the average bowling league costs consist of a one-time registration fee and a monthly fee modeled by the equation y = 15x + 20. identify and interpret the y-intercept in this model. the y-intercept is 20. this is the cost per month. the y-intercept is 20. this is the cost of registration. the y-intercept is 15. this is the cost of registration. the y-intercept is 15. this is the cost per month.

The midpoints of the sides of the large square are joined to form a smaller square. what is the area of the smaller square