Add 4 to both sides
x < -5
Closed circle at x = 5, line points left
In this case we have an ARM fixed for 6 years and adjust after the initial first 6 years every 2 years after. The basic idea behind a ARM is that the interest changes periodically, but since our ARM is fixed for 6 years, our going to calculate the monthly payment during the initial period using the formula:

where

is the monthly payment

is the amount

is the interest rate in decimal form

is the number years
First we need to convert our interest rate of 4% to decimal form by dividing it by 100%:

We also know from our question that

and

, so lets replace those values into our formula to find the monthly payment:


We can conclude that the monthly payment during the initial period is $1071.58<span />
2. y=2x+3
When x =0 and y= something, the 'something' is your y-intercept which is b in the y=mx+b formula. Then we look at what is changed in the x and y value to determine the m part. the x increase by 1 and y increase by 2 so the m part is 2.
3. y=-7x
Same as the last one, there is no y-inter this time because the y=0 when x=0/ So the y deceased by 7 each time and x incease by 1 so it is -7 for the m part.