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For courses in Business Mathematics.
Focuses on current issues, real companies, and pragmatic business scenarios
Business Mathematics by Clendenen and Salzman teaches students the mathematical skills they need for success in business, emphasizing mastery of business concepts and scenarios that require a mathematical solution. With a strong focus on current issues, real companies, and pragmatic business scenarios, the authors cover the full spectrum of basic business math, placing every concept in context with relevant examples.
Along with an updated MyLab™ Math course, the 14th Edition has been significantly revised to modernize the text, improve discussions, and make the material more meaningful to students. This revision is packed with data, examples, graphs, photographs, and case studies that demonstrate the material’s relevance as it teaches students to interpret data and information. A global perspective is emphasized through examples and exercises that highlight issues in other countries.
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Gary Clendenen received bachelor’s and master’s degrees in mathematics before going into business for himself in the oil industry. He returned to academia and earned his Ph.D. in Business Management and has been a faculty member since then. His business experience includes working as an actuary for an insurance company and owning commercial real estate. He has published papers in numerous refereed journals and does volunteer work with several organizations. His hobbies include long bicycle rides, swimming, and reading on a wide variety of topics including history, economics, and natural resources. He has two sons and several grandchildren, and he and his wife use miniature horses to encourage kids to read.
Stanley A. Salzman has taught Business Math, Marketing, and Real Estate courses at American River College in Sacramento for 35 years. He says, “Some of my greatest moments in teaching have been seeing the look on the face of a student who understands a business math concept or idea for the first time.” Stan and his wife have four children and eleven grandchildren. Stan likes outdoor activities, exercising, and collecting antique toy trains.
Preface
The Business Mathematics, 14th Edition Learning System
Learning Tips for Students
Business Mathematics Pretest
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
4.3 Business Formulas
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. Mathematics of Buying
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. Business and Consumer Loans
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. Budgeting and Business Statistics
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 A: The Metric System
Appendix B: Basic Calculators
Appendix C: Financial Calculators
Appendix D: Exponents and the Order of Operations
Appendix E: Graphing Equations
Answers to Selected Exercises
Glossary
Index
Photo Credits
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