12806989 ÷ 98 
We're looking to find how many times 98 goes into 12806989.

Moving on to step 1:
If we divide 1 by 98, we get 0 and a remainder of 1.
Put 0 as the next digit of the answer. 
Result so far: 0.0
If we subtract 0 from 1, we get 1.
Fetch the next digit (2) from the dividend, attach it to 1 and continue: 12 / 98

Moving on to step 2:
When dividing 12 by 98, we get 0 with a remainder of 12.
Record the quotient 0 as the next digit in the result. 
Result so far: 0.0
If we take 0 away from 12, we end up with 12.
Include the next digit (8) from the dividend after 12, then repeat: 128 / 98

Step 3:
98 can be fit into 128 1 times, resulting in a remainder of 30.
Record the quotient 1 as the next digit in the result. 
Result so far: 1.0
If we take 98 away from 128, we end up with 30.
Grab the next digit (0) from the dividend, add it to 30, then carry on: 300 / 98

Let's proceed to step 4:
98 can be fit into 300 3 times, resulting in a remainder of 6.
The next digit of our result is 3. 
Result so far: 13.0
Subtracting 294 from 300 leaves us with 6.
Include the next digit (6) from the dividend after 6, then repeat: 66 / 98

On to step 5:
When dividing 66 by 98, we get 0 with a remainder of 66.
Write down 0 as next digit of the result. 
Result so far: 130.0
The remainder is 66 after subtracting 0 from 66.
Fetch the next digit (9) from the dividend, attach it to 66 and continue: 669 / 98

Step 6:
If we divide 669 by 98, we get 6 and a remainder of 81.
The number 6 becomes the next digit in our result. 
Result so far: 1306.0
Deduct 588 from 669 and we're left with 81.
Grab the next digit (8) from the dividend, add it to 81, then carry on: 818 / 98

On to step 7:
98 can be fit into 818 8 times, resulting in a remainder of 34.
The number 8 becomes the next digit in our result. 
Result so far: 13068.0
The remainder is 34 after subtracting 784 from 818.
Grab the next digit (9) from the dividend, add it to 34, then carry on: 349 / 98

Advancing to step 8:
If we divide 349 by 98, we get 3 and a remainder of 55.
Record the quotient 3 as the next digit in the result. 
Result so far: 130683.0
The remainder is 55 after subtracting 294 from 349.
Since there are no more digits in the dividend, we add a zero to the remainder making it 550, and continue the process.

On to step 9:
98 goes into 550 5 times with a remainder of 60.
Use 5 as the next digit of our solution. 
Result so far: 130683.5
Subtract 490 from 550 to get 60.
Since there are no more digits in the dividend, we add a zero to the remainder making it 600, and continue the process.

Advancing to step 10:
When dividing 600 by 98, we get 6 with a remainder of 12.
The next digit of our result is 6. 
Result so far: 130683.56
Subtracting 588 from 600 leaves us with 12.
Since there are no more digits in the dividend, we add a zero to the remainder making it 120, and continue the process.

Let's proceed to step 11:
If we divide 120 by 98, we get 1 and a remainder of 22.
Use 1 as the next digit of our solution. 
Result so far: 130683.561
Subtract 98 from 120 to get 22.
Since there are no more digits in the dividend, we add a zero to the remainder making it 220, and continue the process.

Let's proceed to step 12:
98 goes into 220 2 times with a remainder of 24.
Put 2 as the next digit of the answer. 
Result so far: 130683.5612
Subtract 196 from 220 to get 24.
Since there are no more digits in the dividend, we add a zero to the remainder making it 240, and continue the process.

Step 13:
98 goes into 240 2 times with a remainder of 44.
The next digit of our result is 2. 
Result so far: 130683.56122
Subtracting 196 from 240 leaves us with 44.
Since there are no more digits in the dividend, we add a zero to the remainder making it 440, and continue the process.

The final outcome is 130683.56122, with a leftover of 4.4e-05.