I have always followed an easy rule: "five or more raises the score". What it means is if the number is 5 or more, it goes to the next whole. Make sense?
I don’t understand the equation but you can use Photomath to solve any equation you need to solve. It’s and app for free.
If by 4x(2) you mean 4x to the power 2 or 4x^2...it can be solved in the following way
f(x)=4x^2-4x-3
=4x^2+2x-6x-3
=2x(2x+2)-3(2x+2)
=(2x-3)(2x+2)
Therefore x=3/2 or x=-2/2=(-1)