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Business Math, 12th edition

Published by Pearson (January 24, 2023) © 2024

  • Cheryl Cleaves Southwest Tennessee Community College , State Technical Institute at Memphis
  • Margie Hobbs University of Mississippi
  • Jeffrey Noble MBA, Madison College

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For courses in Business Mathematics, Personal Finance or Small Business Management.

Empowers students to manage personal and business finances

Business Math is a practical and thorough guide based on the premise that everyone needs to understand how to manage money. It offers a deep dive into topics like banking, credit, mortgages and taxes with a thorough review of basic math skills. Its conversational tone, real-world examples and abundant case studies keep complicated topics understandable and engaging.

The 12th Edition is revised significantly to keep applications and data current, with substantial revisions in the tax and payroll chapters, particularly for currency.

Hallmark features of this title

  • Case Studies promote collaborative learning with real-world project problems.
  • 5-Step Problem Solving Strategy is an effective approach to problem solving and a strategy for good decision making.
  • Excel templates, marked with an EXCEL icon, allow students to work through specific exercises in the end-of-chapter Exercise Sets and Challenge Problems.
  • Skill Builders and Applications in section exercises help students master basic concepts and then apply them.
  • Tip and Did You Know? boxes give alternate problem-solving strategies, point out common mistakes, and teach the use of calculators.

New and updated features of this title

Enhanced learning aids

  • REVISED: Examples are now mapped to Stop and Check Exercises and Section Exercises.
  • REVISED: Excel Templates have been greatly expanded in every chapter, to facilitate technology usage in making calculations.

New trends and laws

  • UPDATED: Banking chapter (Chapter 4) reflects new trends in electronic banking. Payroll, Consumer Credit, and Taxes chapters (Chapters 10, 12 and 20 respectively) reflect new laws and procedures.
  • UPDATED: Investment and insurance topics reflect recent changes in the marketplace.
  • NEW: Global Marketplace notes have been included to increase awareness of the global economy.

Updated for relevancy

  • UPDATED: Current products and prices are now reflected in Exercises and Examples.
  • UPDATED: IRS and Interest Rate information incorporates current figures. Additionally, relevant new and updated data is incorporated into chapter openers and case studies throughout.

Features of MyLab Math for the 12th Edition

  • REVISED: Quality and quantity of MyLab Math exercises have been refined using analyzed aggregated student usage and performance data.
  • REVISED: Section Lecture Videos have been updated based on updates made in the text.
  • NEW: Over 1000 new business concept questions have been added to MyLab Math homework.
  • NEW: Integrated Review brings prerequisite review of basic skills into each chapter, with premade, editable Skills Check and personalized homework assignments.
  • Interactive Exercises provide unlimited practice and include learning aids that offer helpful feedback.
  • Learning Catalytics questions, a classroom engagement tool using students' own mobile devices, are available at the beginning of every section.

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

Glossary/Index

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