hardest math formula is my biggest problem. Can any one help me understand it? I am a novice at it. What book or other resource do you suggest for beginning this subject?

Have you checked out Algebrator? This is a great software and I have used it several times to help me with my hardest math formula problems. It is really very simple -you just need to enter the problem and it will give you a complete solution that can help solve your homework. Try it out and see if it solves your problem.