Finite Mathematics with Applications In the Management, Natural, and Social Sciences, 13th edition
Published by Pearson (December 31, 2022) © 2024
- Margaret L. Lial American River College
- Tom Hungerford Saint Louis University
- John P. Holcomb Cleveland State University
- Bernadette Mullins Birmingham Southern College
eTextbook
- Anytime, anywhere learning with the Pearson+ app
- Easy-to-use search, navigation and notebook
- Simpler studying with flashcards
MyLab
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For 1-semester or 1- to 2-quarter courses in Finite Mathematics.
Builds a strong foundation with relevant applications
Finite Mathematics with Applications in the Management, Natural, and Social Sciences is an applications-focused text with solid coverage of college algebra, followed by topics in finite mathematics. It can be used for a variety of courses across many majors, and only a basic background in algebra is required. The 13th Edition significantly updates applications and examples to make them as engaging as possible. Throughout, 700 new or updated exercises and 100 new examples modernize the data and exercises.
Hallmark features of this title
- An Apply It  question typically at the start of a section poses a real-world question that is then answered within the examples or exercises. 
- Extended Applications at the end of each chapter provide in-depth applied exercises that can be completed individually or as a group project.
- Your Turn Exercises follow selected examples and enable students to check their understanding. Answers are provided at the end of the section's exercises. 
- Chapter Review Exercises include Concept Check exercises and a set of Practice  and Exploration exercises, useful for exam prep.
- For Review boxes in the margins give students just-in-time help with skills that may need refreshing.
- Tech Notes: Material on graphing calculators and Microsoft® Excel® is clearly labeled.
New and updated features of this title
Substantial updates to Ch. 3 (Functions and Graphs)
- Transformations of Functions is added to section 3.2 plus a new section 3.7 (Composition of Functions) as a practical introduction to the topic. 31 new examples and 167 exercises are added overall.
- Section 3.2 includes vertical and horizontal shifts, reflections, stretches and compressions. Examples help students visualize these transformations graphically, numerically, algebraically and verbally.
- Section 3.7 includes examples and practical applications, such as an example involving gas mileage of a car and the price of gasoline.
Substantial updates to Ch. 5 (The Mathematics of Personal Finance)
- Coverage is expanded into applicable situations such as credit cards and student loans; 10 new examples and 51 exercises are added overall.
- Reorganized topics now combine simple and compound interest in section 1. Section 2 speaks to annuities, future value and sinking funds.
- Amortization schedules for consumer loans like mortgages, student loans and credit cards are located more easily together in Section 3. Added examples and exercises show the credit card interest that can accrue with only minimum monthly payments. Section 4 now contains in 1 section examples and exercises involving bonds and treasury bills.
Features of MyLab Math for the 13th Edition
- UPDATED: An expanded suite of interactive figures (created in GeoGebra) illustrates key concepts and can be manipulated by users. They have been designed to be used in lectures and by students independently.
- NEW: Mindset Videos and assignable, open-ended exercises foster a growth mindset in students. This material encourages them to maintain a positive attitude about learning, value their own ability to grow, and view mistakes as learning opportunities.
- NEW: Personal Inventory Assessments are online exercises designed to promote self-reflection and engagement in students, offering topics such as a Stress Management Assessment and Time Management Assessment.
- NEW: A Corequisite Support tab offers new resources for teaching Finite Math or Finite Math & Applied Calculus with a corequisite support section; it includes a Corequisite Implementation Guide. Worksheets, videos and exercises are all available in a fully accessible format.
- NEW: A set of new assignable projects and a Projects User Guide have been added under Instructor Resources. These editable projects have associated rubrics, and the results report automatically to the MyLab Math Gradebook. The projects are built into MyLab's MediaShare, which allows students to submit in various formats.
- NEW: Freehand Grader (beta) provides an effective way to quickly grade any type of problem and handwritten solution. Authentically assess students and provide meaningful feedback, using the grade-as-you go rubric.
Prerequisite Skills Test
Calculus Readiness Test
1. Algebra and Equations
- 1.1 The Real Numbers
- 1.2 Polynomials
- 1.3 Factoring
- 1.4 Rational Expressions
- 1.5 Exponents and Radicals
- 1.6 First-Degree Equations
- 1.7 Quadratic Equations
- Summary and Review
- CASE STUDY 1: Energy Efficiency and Long-Term Cost Savings
2. Graphs, Lines, and Inequalities
- 2.1 Graphs
- 2.2 Equations of Lines
- 2.3 Linear Models
- 2.4 Linear Inequalities
- 2.5 Polynomial and Rational Inequalities
- Summary and Review
- CASE STUDY 2: Using Extrapolation and Interpolation for Prediction
3. Functions and Graphs
- 3.1 Functions
- 3.2 Graphs of Functions and Transformations
- 3.3 Applications of Linear Functions
- 3.4 Quadratic Functions and Applications
- 3.5 Polynomial Functions
- 3.6 Rational Functions
- 3.7 Composition of Functions
- Summary and Review
- CASE STUDY 3: Maximizing Profit
4. Exponential and Logarithmic Functions
- 4.1 Exponential Functions
- 4.2 Applications of Exponential Functions
- 4.3 Logarithmic Functions
- 4.4 Logarithmic and Exponential Equations
- Summary and Review
- CASE STUDY 4: Gapminder.org
5. The Mathematics of Personal Finance
- 5.1 Simple and Compound Interest
- 5.2 Annuities, Future Value, and Sinking Funds
- 5.3 Consumer Loans and Amortization
- 5.4 Bonds and Treasury Bills
- Summary and Review
- CASE STUDY 5: Investing in Stocks and Using the Rule of 72
6. Systems of Linear Equations and Matrices
- 6.1 Systems of Two Linear Equations in Two Variables
- 6.2 Larger Systems of Linear Equations
- 6.3 Applications of Systems of Linear Equations
- 6.4 Basic Matrix Operations
- 6.5 Matrix Products and Inverses
- 6.6 Applications of Matrices
- Summary and Review
- CASE STUDY 6: Airline Route Maps
7. Linear Programming
- 7.1 Graphing Linear Inequalities in Two Variables
- 7.2 Linear Programming: The Graphical Method
- 7.3 Applications of Linear Programming
- 7.4 The Simplex Method: Maximization
- 7.5 Maximization Applications
- 7.6 The Simplex Method: Duality and Minimization
- 7.7 The Simplex Method: Nonstandard Problems
- Summary and Review
- CASE STUDY 7: Cooking with Linear Programming
8. Sets and Probability
- 8.1 Sets
- 8.2 Applications of Venn Diagrams and Contingency Tables
- 8.3 Introduction to Probability
- 8.4 Basic Concepts of Probability
- 8.5 Conditional Probability and Independent Events
- 8.6 Bayes' Formula
- Summary and Review
- CASE STUDY 8: Medical Diagnosis
9. Counting, Probability Distributions, and Further Topics in Probability
- 9.1 Probability Distributions and Expected Value
- 9.2 The Multiplication Principle, Permutations, and Combinations
- 9.3 Applications of Counting
- 9.4 Binomial Probability
- 9.5 Markov Chains
- 9.6 Decision Making
- Summary and Review
- CASE STUDY 9: Quick Draw® from the New York State Lottery
10. Introduction to Statistics
- 10.1 Frequency Distributions
- 10.2 Measures of Center
- 10.3 Measures of Variation and Boxplots
- 10.4 Normal Distributions
- Summary and Review
- CASE STUDY 10: Standard Deviation as a Measure of Risk
About our authors
The late  Marge Lial was always interested in math; it was her favorite subject in the first grade! Marge's intense desire to educate both her students and herself has inspired the writing of numerous best-selling textbooks. Marge, who received Bachelor's and Master's degrees from California State University at Sacramento, was affiliated with American River College. An avid reader and traveler, her travel experiences often found their way into her books as applications, exercise sets and feature sets. Her interest in archeology led to trips to various digs and ruin sites, producing some fascinating problems for her textbooks involving such topics as the building of Mayan pyramids and the acoustics of ancient ball courts in the Yucatan. 
The late  Thomas W. Hungerford received his Bachelor's degree from Holy Cross and his PhD from the University of Chicago. He taught for many years at the University of Washington (Seattle) before moving to Cleveland State University in 1980 and then to St. Louis University to in 2003. He wrote a number of research articles in algebra and several in mathematics education. Dr. Hungerford is the author or coauthor of more than a dozen mathematics textbooks, ranging from high school to graduate level, several of which are published by Pearson. He passionately promoted the effective use of technology in mathematics instruction. Dr. Hungerford was also a referee and reviewer for various mathematical journals and served on National Science Foundation panels for selecting grant recipients.
John P. Holcomb, Jr. received his Bachelor's degree from St. Bonaventure University and his PhD from the University at Albany, State University of New York. He is professor and chair and frequently publishes with researchers in a variety of disciplines where he provides statistical analysis. Dr. Holcomb has also authored several papers in statistical education and is very active in the American Statistical Association and the Mathematical Association of America. He was named a Carnegie Scholar in 2000 by the Carnegie Foundation for the Advancement of Teaching and Learning and in 2003 received the Waller Award from the American Statistical Association for outstanding teaching of introductory statistics. 
Bernadette Mullins received her Bachelor's degree from Western Illinois University and her PhD from the University of Iowa. She is currently professor of mathematics at Birmingham-Southern College (BSC) in Birmingham, Alabama, where she arrived in 2000. She has published numerous articles in the fields of commutative ring theory and mathematics education. She has served as co-investigator for several National Science Foundation grants related to improving mathematics education. Dr. Mullins has won 4 awards for her excellence in teaching, including the Bob Whetstone award at BSC. Throughout her career she has been active in Project NExT (New Experiences in Teaching) and the Mathematical Association of America, and was elected Alabama State Director of the MAA in 2013.
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