Question 48169
There are a few different ways to solve a problem like this: The easiest way would be to work your problem in steps.

Step 1...Take the $736.12 and subtract the $100.00 down payment from that.
......... $736.12
         -$100.00
          _______
          $636.12

Step 2...Divide the amount Al owes for the regrigerator which is $636.12, by 
         the number of monthly payments he would have to pay until the 
         refrigerator is paid off, which is 18.
.........18/636.12----I put the / in place of the division symbol. Hopefully 
                      this wont confuse you.
.........18/$636.12 =$35.34.

Step 3. The monthly payment for Al's new refrigerator is $35.34.