Don’t use for points or I’ll take it back

Help

James wants to promote his band on the internet. site a offers website hosting for $4.95 per month with a $49.95 startup fee. site b offers website hosting for $9.95 per month with no startup fee. for how many months would james need to keep the website for site a to be a better choice than site b?

Me i’m stuck on all these questions besides the two bottom ones

Tim tradesman pays $2,000 annually for $125,000 worth of life insurance. what is the cash value of the policy after 10 years? 11,125 13,125 17,800 111,250