for the 4/5 of 60 question, the best way I explain it to people who are daunted by numbers is the age old pie (not pi!) routine...
if a complete pie was worth 60, and I had 5 pieces, then each piece would be 12. (60/12). So now we know what each piece is worth.
So 4 pieces would we worth 4 * 12 which is 48.
For some people it is easier to visulise things this way, and work it out in stages. Even though it's simple maths, going back to basics can help.