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Business Mathematics, 14th edition

Published by Pearson (January 18, 2018) © 2019

  • Gary Clendenen Siena College
  • Stanley A. Salzman American River College

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For courses in Business Mathematics.

Current issues, real companies and pragmatic business scenarios

Business Mathematics teaches the mathematical skills students need for success in business, emphasizing business concepts and scenarios that require a mathematical solution and placing 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 students to interpret data and information. A global perspective is emphasized through examples and exercises that highlight issues in other countries. 

Hallmark features of this title

  • Strong focus on current issues, real companies, and pragmatic business scenarios
  • Coverage of the full spectrum of basic business math, placing every concept in context with relevant examples
  • Proven teaching and learning aids
  • Relevant business applications and case studies

New and updated features of this title

  • Updated Case in Point feature in each chapter: Now highlights a different well-known company (such as Bank of America, Starbucks, REI and Apple) which is used throughout the chapter in examples, discussions, exercises, and a case at the end. Each chapter ends with 2 case studies that apply concepts from the chapter.
  • A new global perspective is prevalent through examples and exercises that highlight issues in other countries and international companies, as well as through a historical and geographical context.
  • A new section on Budgeting and Business Statistics in Chapter 16 (Planning and Budgeting):
    • Discusses planning and budgeting for a family, with its known recurring expenses, and includes a discussion on how to plan for and deal with unexpected expenses.
    • Discusses planning and budgeting for a company called Bev's Deli, which is highlighted through the chapter.
    • Helps students synthesize many topics from across the course, such as choosing a career and level of education to work toward; controlling costs; planning for expected and unexpected expenses; thinking long-term; managing debt; reflecting on the costs of insurance and taxes; and saving or investing.

Features of MyLab Math for the 14th Edition

  • New Learning Catalytics generate class discussion, guide lecture and promote peer-to-peer learning with real-time analytics. This interactive student response tool uses students' smartphones, tablets, or laptops to engage them in more sophisticated tasks and thinking.
  • New Skill Builder offers adaptive practice that is designed to increase students' ability to complete their assignments. By monitoring student performance on their homework, Skill Builder adapts to each student's needs and provides just-in-time, in-assignment practice to help them improve their proficiency of key learning objectives, including prerequisite skills if needed.
  • Updated Video Program: A variety of videos have been updated and added to the Clendenen Business Math course to walk students through concepts from every section of the text, giving them support when they need it.
  • New Case in Point Videos: 16 new videos, based off the Case in Point feature at the end of each chapter, bring Business Math to life. From case studies on the cost of getting married to calculating your take home pay, students gain insight into the practical and day-to-day applications of their course.
  • Updated Section Lecture Videos reflect new content in the 14th Edition, including the new section 16.1 on Planning & Budgeting.
  • Trade Application Library is available with a library of applications focused on vocations and trades, allowing instructors to create assignments geared toward practical on-the-job applications.
  • 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

Appendices

  • A. The Metric System
  • B. Basic Calculators
  • C. Financial Calculators
  • D. Exponents and the Order of Operations
  • E. Graphing Equations
  • Answers to Selected Exercises
  • Glossary
  • Index
  • Photo Credits

About our authors

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 2 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 4 children and 11 grandchildren. Stan likes outdoor activities, exercising and collecting antique toy trains.

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