(1) For example, if a person is 40 years old, he will subtract the multiple of 12 from 40, and the difference is 4. This year is the Year of the Ox, so he will count down from the cows belonging to the twelve zodiac signs, namely, rat, ox (0), tiger (1), rabbit (2), dragon (3) and snake (4). By analogy, the number comes from which year and which genus.

(2) The monthly income is 0.5/1000 = 0.05%; The annual income is 0.05%* 12=0.6%.