Business Mathematics, 15th edition

Published by Pearson (May 16, 2024) © 2025

  • Gary Clendenen Siena College
  • Kyle Moninger Bowling Green State University

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ISBN-13: 9780138306144 (2024 update)
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Business Mathematics uses relevant issues, real companies and practical scenarios that will help you use math to solve problems in the business world. It will help you develop an understanding of business and work problems more effectively using genuine, relatable business and personal applications. It covers the full spectrum of basic business math, placing every concept in context with relevant examples.

The 15th Edition covers new topics such as student debt and cryptocurrency, extensively updates material on payroll and planning/budgeting, and much more.

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, Mutual Funds, and Cryptocurrencies
  • 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
  • 12.6 Cost of College and Student 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

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