15500 - 12% =
first find 12% of 15500
15500 x 0.12
now multiply
1860
subtract 1860 from 15500
15500 - 1860
now subtract
13640
and there's your answer!
P.S. for these just remember that you don't know what 12% of 15500 is, so you have to find it and then plug that number in for 12%