Need help on these 2 questions!

Jack is considering a list of features and fees for denver bank. jack plans on using network atms about 4 times per month. what would be jack’s total estimated annual fees for a checking account with direct paycheck deposit, one overdraft per year, and no 2nd copies of statements?

An advertising firm has an old computer that can prepare a whole mailing in 6 hours. with the of newer model the job is complete in 2 hours. how long would it take the newer model to do the job alone?

What’s 8y+48 and factor each expression completely