Business Math, 12th edition

  • Cheryl Cleaves, 
  • Margie Hobbs, 
  • Jeffrey Noble

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Business Math is a practical, thorough guide that empowers you to manage your personal and business finances. Based on the premise that everyone needs to understand how to manage money, it offers a rare deep dive into topics not always taught in a classroom setting. Its conversational tone, real-world examples and abundant case studies keep complicated topics understandable and engaging. A wealth of learning aids like How To, Stop and Check, Tip, Did You Know? and many more help you master and retain concepts. The 12th Edition offers expanded Excel templates and exercises. It is revised substantially to keep applications and data current, update tax procedures and tables, incorporate new trends and laws, and much more.

Published by Pearson (July 18th 2023) - Copyright © 2024

ISBN-13: 9780138031893

Subject: Technical, Trade, & Business Mathematics

Category: Business Math


1. Review of Whole Numbers and Integers

  • 1-1 Place Value and Our Number System
  • 1-2 Operations with Whole Numbers and Integers
  • Case Study: Take the Limo Liner
  • Case Study: Leaky Roof? Sanderson Roofing Can Help
  • Case Study: The Cost of Giving

2. Review of Fractions

  • 2-1 Fractions
  • 2-2 Adding and Subtracting Fractions
  • 2-3 Multiplying and Dividing Fractions
  • Case Study: Bitsie's Pastry Sensations
  • Case Study: Greenscape Designs

3. Decimals

  • 3-1 Decimals and the Place Value System
  • 3-2 Operations with Decimals
  • 3-3 Decimal and Fraction Conversions
  • Case Study: Pricing Stock Shares
  • Case Study: JK Manufacturing demographics

4. Banking

  • 4-1 Checking Account Transactions
  • 4-2 Bank Statements
  • Case Study: Mark's First Checking account
  • Case Study: Expressions Dance Studio

5. Equations

  • 5-1 Equations
  • 5-2 Using Equations to Solve Problems
  • 5-3 Formulas
  • Case Study: Anunson Precision Painting, LLC
  • Case Study: Artist's Performance Royalties
  • Case Study: Educational Consultant

6. Percents

  • 6-1 Percent Equivalents
  • 6-2 Solving Percentage Problems
  • 6-3 Increases and Decreases
  • Case Study: Wasting Money or Shaping Up?
  • Case Study: Customer Relationship Management
  • Case Study: Carpeting a New Home

7. Business Statistics

  • 7-1 Graphs and Charts
  • 7-2 Measures of Central Tendency
  • 7-3 Measures of Dispersion
  • Case Study: Progeny Plastics Inc.
  • Case Study: Ink Hombre: Tattoos and Piercing

8. Trade and Cash Discounts

  • 8-1 Single Trade Discounts
  • 8-2 Trade Discount Series
  • 8-3 Cash Discounts and Sales Terms
  • Case Study: Image Manufacturing's Rebate Offer
  • Case Study: McMillan Oil & Propane, LLC
  • Case Study: The Artist's Palette

9. Markup and Markdown

  • 9-1 Markup Based on Cost
  • 9-2 Markup Based on Selling Price and Markup Comparisons
  • 9-3 Markdown, Series of Markdowns, and Perishables
  • Case Study: Acupuncture, Tea, and Rice-Filled Heating Pads
  • Case Study: Carolina Crystals
  • Case Study: Deer Valley Organics, LLC

10. Payroll

  • 10-1 Gross Pay
  • 10-2 Payroll Deductions
  • 10-3 The Employer's Payroll Taxes
  • Case Study: Score Skateboard Company
  • Case Study: Welcome Care
  • Case Study: First Foreign Auto Parts

11. Simple Interest and Simple Discount

  • 11-1 The Simple Interest Formula
  • 11-2 Ordinary and Exact Interest
  • 11-3 Promissory Notes
  • Case Study: 90 days same as Cash!
  • Case Study: The Price of Money
  • Case Study: Quality Photo Printing

12. Consumer Credit

  • 12-1 Installment Loans and Closed-End Credit
  • 12-2 Paying a Loan Before It Is Due: The Rule of 78
  • 12-3 Open-End Credit
  • Case Study: Know What You Owe
  • Case Study: Massage Therapy

13. Compound Interest, Future Value, and Present Value

  • 13-1 Compound Interest and Future Value
  • 13-2 Present Value
  • Case Study: How Fast Does Your Money Grow?
  • Case Study: Planning: The Key to Wealth
  • Case Study: Future Value/Present Value

14. Annuities and Sinking Funds

  • 14-1 Future Value of an Annuity
  • 14-2 Sinking Funds and Present Value of an Annuity
  • Case Study: Annuities for Retirement
  • Case Study: Accumulating Money
  • Case Study: Certified Financial Planner

15. Building Wealth Through Investments

  • 15-1 Stocks
  • 15-2 Bonds
  • 15-3 Mutual Funds
  • Case Study: Dynamic Thermoforming, Inc.
  • Case Study: Corporate Dividends and Investments

16. Mortgages

  • 16-1 Mortgage Payments
  • 16-2 Amortization Schedules and Qualifying Ratios
  • Case Study: Home Buying: A 30-Year Commitment?
  • Case Study: Investing in Real Estate

17. Depreciation

  • 17-1 Depreciation Methods for Financial Statement Reporting
  • 17-2 Depreciation Methods for IRS Reporting
  • Case Study: O'Brien Nursery
  • Case Study: Metro Mix Studio, LLC

18. Inventory

  • 18-1 Inventory
  • 18-2 Turnover and Overhead
  • Case Study: Decorah Custom Canoes
  • Case Study: Aspen Lakes Extreme

19. Insurance

  • 19-1 Life Insurance
  • 19-2 Property Insurance
  • 19-3 Motor Vehicle Insurance
  • Case Study: How Much Is Enough?
  • Case Study: Soul Food Catering

20. Taxes

  • 20-1 Sales Tax and Excise Tax
  • 20-2 Property Tax
  • 20-3 Income Taxes
  • Case Study: Computing Taxes Due
  • Case Study: A Tax Dilemma

21. Financial Statements

  • 21-1 The Balance Sheet
  • 21-2 Income Statements
  • 21-3 Financial Statement Ratios
  • Case Study: Contemporary Wood Furniture
  • Case Study: Metro Mix Studio: Financial Statements

Stop and Check Solutions

Answers to Odd-Numbered Exercises


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