• Gary Clendenen,
• Stanley A. Salzman

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## Overview

Business Mathematics teaches the mathematical skills you need for success in business using current issues and pragmatic business scenarios in companies like Starbucks, Bank of America, REI and Apple. These are used throughout each chapter in examples, discussions, exercises and case studies. The authors emphasize business concepts and situations that require a mathematical solution and place every concept in context with relevant examples. The 14th Edition is revised significantly to improve discussions and make the material more meaningful. It is packed with data, examples, graphs, photographs and case studies that demonstrate relevance as it teaches you to interpret data and information. A global perspective is emphasized through examples and exercises that highlight issues in other countries.

ISBN-13: 9780137401604

## Overview

• Preface
• The Business Mathematics, 14th Edition Learning System
• Learning Tips for Students
• Index of Applications
1. Whole Numbers and Decimals
• 1.1 Whole Numbers
• 1.2 Application Problems
• 1.3 Decimal Numbers
• 1.4 Addition and Subtraction of Decimals
• 1.5 Multiplication and Division of Decimals
• Chapter 1 Quick Review
• Chapter Terms
• Case Study: Cost of Getting Married
• Case in Point Summary Exercise: Subway
• Chapter 1 Test
2. Fractions
• 2.1 Fractions
• 2.2 Addition and Subtraction of Fractions
• 2.3 Addition and Subtraction of Mixed Numbers
• 2.4 Multiplication and Division of Fractions
• 2.5 Converting Decimals to Fractions and Fractions to Decimals
• Chapter 2 Quick Review
• Chapter Terms
• Case Study: Operating Expenses at Woodline Moldings and Trim
• Case in Point Summary Exercise: The Home Depot
• Chapter 2 Test
3. Percents
• 3.1 Writing Decimals and Fractions as Percents
• 3.2 Finding Part
• 3.3 Finding Base
• Supplementary Application Exercises on Base and Part
• 3.4 Finding Rate
• Supplementary Application Exercises on Base, Rate, and Part
• 3.5 Increase and Decrease Problems
• Chapter 3 Quick Review
• Chapter Terms
• Case Study: Self Employed Retirement Plan
• Case in Point Summary Exercise: Century 21
• Chapter 3 Test
4. Equations and Formulas
• 4.1 Solving Equations
• 4.2 Applications of Equations
• 4.4 Ratio and Proportion
• Chapter 4 Quick Review
• Chapter Terms
• Case Study: Forecasting Sales at Alcorn's Boutique
• Case in Point Summary Exercise: General Motors
• Chapter 4 Test
• Chapters 1 - 4 Cumulative Review
5. Bank Services
• 5.1 Banking, Checking Accounts, and Check Registers
• 5.2 Checking Services and Credit-Card Transactions
• 5.3 Bank Statement Reconciliation
• Chapter 5 Quick Review
• Chapter Terms
• Case Study: Banking Activities of a Retailer
• Case in Point Summary Exercise: Jackson & Perkins
• Chapter 5 Test
6. Payroll
• 6.1 Gross Earnings: Wages and Salaries
• 6.2 Gross Earnings: Piecework and Commissions
• 6.3 Social Security, Medicare, and Other Taxes
• 6.4 Income Tax Withholding
• Chapter 6 Quick Review
• Chapter Terms
• Case Study: Payroll: Finding Your Take-Home Pay
• Case in Point Summary Exercise: Payroll at Starbucks
• Chapter 6 Test
• 7.1 Invoices and Trade Discounts
• 7.2 Series Discounts and Single Discount Equivalents
• 7.3 Cash Discounts: Ordinary Dating Methods
• 7.4 Cash Discounts: Other Dating Methods
• Chapter 7 Quick Review
• Chapter Terms
• Case Study: George Foreman
• Case in Point Summary Exercise: Discounts at Bed Bath & Beyond
• Chapter 7 Test
8. Mathematics of Selling
• 8.1 Markup on Cost
• 8.2 Markup on Selling Price
• Supplementary Application Exercises on Markup
• 8.3 Markdown
• 8.4 Turnover and Valuation of Inventory
• Chapter 8 Quick Review
• Chapter Terms
• Case Study: Markdown: Reducing Prices to Move Merchandise
• Case in Point Summary Exercise: Recreational Equipment Inc. (REI)
• Chapter 8 Test
• Chapters 5 - 8 Cumulative Review
9. Simple Interest
• 9.1 Basics of Simple Interest
• 9.2 Finding Principal, Rate, and Time
• 9.3 Simple Discount Notes
• 9.4 Discounting a Note Before Maturity
• Supplementary Application Exercises on Simple Interest and Simple Discount
• Chapter 9 Quick Review
• Chapter Terms
• Case Study: Banking in a Global World: How Do Large Banks Make Money?
• Case in Point Summary Exercise: Apple, Inc.
• Chapter 9 Test
10. Compound Interest and Inflation
• 10.1 Compound Interest
• 10.2 Interest-Bearing Bank Accounts and Inflation
• 10.3 Present Value and Future Value
• Chapter 10 Quick Review
• Chapter Terms
• Case Study: Valuing a Chain of McDonald's Restaurants
• Case in Point Summary Exercise: Bank of America
• Chapter 10 Test
• Chapters 9 - 10 Cumulative Review
11. Annuities, Stocks, and Bonds
• 11.1 Annuities and Retirement Accounts
• 11.2 Present Value of an Ordinary Annuity
• 11.3 Sinking Funds (Finding Annuity Payments)
• Supplementary Application Exercises on Annuities and Sinking Funds
• 11.4 Stocks and Mutual Funds
• 11.5 Bonds
• Chapter 11 Quick Review
• Chapter Terms
• Case Study: Financial Planning
• Case in Point Summary Exercise
• Chapter 11 Test
• 12.1 Open-End Credit and Charge Cards
• 12.2 Installment Loans
• 12.3 Early Payoffs of Loans
• 12.4 Personal Property Loans
• 12.5 Real Estate Loans
• Chapter 12 Quick Review
• Chapter Terms
• Case Study: Consolidating Loans
• Case in Point Summary Exercise: Underwater on a Home
• Chapter 12 Test
• Chapters 11 - 12 Cumulative Review
13. Taxes and Insurance
• 13.1 Property Tax
• 13.2 Personal Income Tax
• 13.3 Fire Insurance
• 13.4 Motor-Vehicle Insurance
• 13.5 Life Insurance
• Chapter 13 Quick Review
• Chapter Terms
• Case Study: Financial Planning for Property Taxes and Insurance
• Case in Point Summary Exercise: Mattel Inc.—Taxes and Insurance
• Chapter 13 Test
14. Depreciation
• 14.1 Straight-Line Method
• 14.2 Declining-Balance Method
• 14.3 Sum-of-the-Years'-Digits Method
• Supplementary Application Exercises on Depreciation
• 14.4 Units-of-Production Method
• 14.5 Modified Accelerated Cost Recovery System
• Chapter 14 Quick Review
• Chapter Terms
• Case Study: Comparing Depreciation Methods
• Case in Point Summary Exercise: Ford Motor Company
• Chapter 14 Test
15. Financial Statements and Ratios
• 15.1 The Income Statement
• 15.2 Analyzing the Income Statement
• 15.3 The Balance Sheet
• 15.4 Analyzing the Balance Sheet
• Chapter 15 Quick Review
• Chapter Terms
• Case Study: Bicycle Shop
• Case in Point Summary Exercise: Apple, Inc.
• Chapter 15 Test
• 16.1 Planning and Budgeting
• 16.2 Frequency Distributions and Graphs
• 16.3 Mean, Median, and Mode
• Chapter 16 Quick Review
• Chapter Terms
• Case Study: Watching a Small Business Grow
• Case in Point Summary Exercise: Bobby Flay
• Chapter 16 Test

### Appendix E: Graphing Equations

#### Photo Credits

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