Business Math

, by Cleaves, Cheryl; Hobbs, Margie

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ISBN: 9780130946904 | 0130946907
Cover: Hardcover
Copyright: 7/1/2001

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Supplemental Materials

Preface

Problem Solving with Whole Numbers and Decimals

(34)

Problem Solving with Whole Numbers

(18)

Read and Write Whole Numbers

(3)

Round Whole Numbers

(1)

Add Whole Numbers

(4)

Subtract Whole Numbers

(2)

Multiply Whole Numbers

(2)

Divide Whole Numbers

(6)

Problem Solving with Decimals

(9)

Read, Write, and Round Decimals

(2)

Add and Subtract Decimals

(2)

Multiply and Divide Decimals

(5)

Problem Solving Using Proportions

(5)

Verify That Two Fractions Form a Proportion

(1)

Find a Missing Term in a Proportion

(1)

Use Proportions in Changing Units of Measure

(3)

Around the Business World: International Monetary Exchange

(58)

Overview

(5)

Words to Know

(1)

Concepts Analysis

(1)

Assignment Exercises

(7)

Practice Test

(1)

Self-Check Solutions

(6)

Problem Solving with Fractions and Percents

(38)

Problem Solving with Fractions

(20)

Identify Types of Fractions

(4)

Change a Fraction to an Equivalent Fraction

(2)

Add and Subtract Fractions and Mixed Numbers

(5)

Multiply and Divide Fractions and Mixed Numbers

(5)

Write a Decimal as a Fraction and Write a Fraction as a Decimal

(4)

Problem Solving with Percents

(16)

Write a Whole Number, Fraction, or Decimal as a Percent

(1)

Write a Percent as a Whole Number, Fraction, or Decimal

(3)

Use the Percentage Formula to Find the Percentage

(3)

Use the Percentage Formula to Find the Base

(2)

S Use the Percentage Formula to Find the Rate

(2)

Use the Percentage Proportion to Solve Problems

(4)

Around the Business World: 2000 Census Bureau Earnings Report

(52)

Overview

(6)

Words to Know

101

(1)

Concepts Analysis

101

(1)

Assignment Exercises

102

(8)

Practice Test

110

(1)

Self-Check Solutions

111

(7)

Problem Solving with Formulas and Equations

118

(28)

Formulas

120

(8)

Evaluate Formulas

120

(2)

Write a Formula to Find an Unknown Value

122

(1)

Write Electronic Spreadsheet Instructions as Formulas

122

(6)

Equations

128

(9)

Solve Equations Using Multiplication or Division

129

(1)

Solve Equations Using Addition or Subtraction

130

(1)

Solve Equations Using More than One Operation

131

(1)

Solve Equations Containing Multiple Unknown Terms

132

(1)

Solve Equations Containing Parentheses

133

(2)

Solve Equations That Are Proportions

135

(2)

Using Equations to Solve Problems

137

(9)

Using the Decision Key Approach to Analyze and Solve Word Problems

137

(9)

Around the Business World: Budgeting with Formulas and Spreadsheets

146

(43)

Overview

148

(4)

Words to Know

152

(1)

Concepts Analysis

152

(1)

Assignment Exercises

152

(4)

Practice Test

156

(1)

Self-Check Solutions

156

(10)

Statistics, Tables, and Graphs

166

(23)

Statistics

168

(5)

Find the Range

168

(1)

Find the Mean

169

(1)

Find the Median

169

(1)

Find the Mode

170

(1)

Put Statistics to Work

171

(2)

Tables and Graphs

173

(16)

Read and Construct a Table

174

(2)

Read and Construct a Bar Graph

176

(1)

Read and Construct a Line Graph

177

(2)

Read and Construct a Circle Graph

179

(2)

Put Tables and Graphs to Work

181

(8)

Around the Business World: Reporting Average Salary

189

(40)

Overview

190

(4)

Words to Know

194

(1)

Concepts Analysis

195

(1)

Assignment Exercises

195

(6)

Practice Test

201

(2)

Self-Check Solutions

203

(3)

Bank Records

206

(23)

Checking Account Forms

208

(9)

Make Account Deposits

208

(2)

Make Account Withdrawals

210

(2)

Record Account Transactions

212

(2)

Endorse a Check

214

(3)

Bank Statements

217

(12)

Read a Bank Statement

217

(2)

Reconcile a Bank Statement with an Account Register

219

(10)

Around the Business World: Corporate Bank Accounts

229

(53)

Overview

231

(5)

Words to Know

236

(1)

Concepts Analysis

237

(1)

Assignment Exercises

237

(14)

Practice Test

251

(3)

Self-Check Solutions

254

(6)

Payroll

260

(22)

Gross Pay

262

(5)

Find the Gross Pay per Paycheck Based on Salary

262

(1)

Find the Gross Pay per Weekly Paycheck Based on Hourly Wage

263

(1)

Find the Gross Pay per Paycheck Based on Piecework Wage

264

(1)

Find the Gross Pay per Paycheck Based on Commission

265

(2)

Payroll Deductions

267

(11)

Find Federal Tax Withholding per Paycheck Using IRS Tax Tables

268

(1)

Find Federal Tax Withholding per Paycheck Using the IRS Percentage Method

269

(5)

Find Social Security Tax and Medicare Tax per Paycheck

274

(2)

Find Net Earnings per Paycheck

276

(2)

The Employer's Payroll Taxes

278

(4)

Find an Employer's Total Deposit for Withholding Tax, Social Security Tax, and Medicare Tax per Pay Period

278

(1)

Find an Employer's SUTA Tax and FUTA Tax Due for a Quarter

279

(3)

Around the Business World: Pretax Medical Insurance Premiums and Garnishments

282

(38)

Overview

283

(4)

Words to Know

287

(1)

Concepts Analysis

288

(1)

Assignment Exercises

288

(5)

Practice Test

293

(1)

Self-Check Solutions

294

(4)

Trade and Cash Discounts

298

(22)

Net Price and the Trade Discount

300

(4)

Find the Trade Discount Using a Single Trade Discount Rate; Find the Net Price Using the Trade Discount

300

(1)

Find the Net Price Using the Complement of the Single Trade Discount Rate

301

(3)

Net Price and the Trade Discount Series

304

(6)

Find the Net Price, Applying a Trade Discount Series and Using the Net Decimal Equivalent

305

(2)

Find the Trade Discount, Applying a Trade Discount Series and Using the Single Discount Equivalent

307

(3)

Net Amount and the Cash Discount

310

(10)

Find the Cash Discount and the Net Amount Using Ordinary Dating Terms

311

(2)

Interpret and Apply End-of-Month (EOM) Terms

313

(1)

Interpret and Apply Receipt-of-Goods (ROG) Terms

314

(1)

Find the Amount Credited and the Outstanding Balance from Partial Payments

315

(1)

Interpret Freight Terms

316

(4)

Around the Business World: Rebates and Bill-Backs

320

(38)

Overview

321

(4)

Words to Know

325

(1)

Concepts Analysis

325

(1)

Assignment Exercises

326

(5)

Practice Test

331

(1)

Self-Check Solutions

332

(4)

Markup and Markdown

336

(22)

Markup

338

(10)

Find the Markup Cost Selling Price, Rate of Markup, or Rate of Selling Price When the Markup Is Based on Cost

338

(3)

Find the Markup, Cost, Selling Price, Rate of Markup, or Rate of Cost When the Markup Is Based on Selling Price

341

(4)

Compare Markup Based on Cost with Markup Based on Selling Price

345

(3)

Markdown

348

(3)

Find the Markdown, Reduced (New) Price, Original Selling Price, Rate of Markdown, or Rate of Reduced (New) Price

348

(3)

Markup and Markdown Series

351

(7)

Find the Final Selling Price for a Series of Markups and Markdowns

351

(3)

Find the Selling Price to Achieve a Desired Profit (Markup)

354

(4)

Around the Business World: Congressional Pay Raises

358

(41)

Overview

360

(4)

Words to Know

364

(1)

Concepts Analysis

364

(1)

Assignment Exercises

364

(4)

Practice Test

368

(1)

Self-Check Solutions

369

(5)

Simple Interest and Simple Discount

374

(25)

The Simple interest Formula

376

(9)

Find Simple Interest Using the Simple Interest Formula

376

(2)

Find the Maturity Value of a Loan

378

(2)

Convert Months to a Fractional or Decimal Part of a Year

380

(1)

Find the Principal, Rate, or Time Using the Simple Interest Formula

381

(4)

Ordinary and Exact Time and Interest

385

(8)

Find Ordinary and Exact Time

385

(2)

Find the Due Date

387

(1)

Find the Interest Using the Ordinary and Exact Interest Rates

388

(3)

Find Simple Interest Using a Table

391

(2)

Promissory Notes

393

(6)

Find the Bank Discount and Proceeds for a Simple Discount Note

394

(1)

Find the Bank Discount and Proceeds for a Third-Party Discount Note

395

(4)

Around the Business World: 90 Days Same as Cash! Deals

399

(35)

Overview

400

(5)

Words to Know

405

(1)

Concepts Analysis

405

(1)

Assignment Exercises

406

(6)

Practice Test

412

(1)

Self-Check Solutions

413

(3)

Compound Interest, Future Value, and Present Value

416

(18)

Compound Interest and Future Value

418

(12)

Use the Simple Interest Formula to Find the Future Value

418

(2)

Find the Future Value Using a $1.00 Future Value Table

420

(4)

Find the Effective Interest Rate

424

(1)

Find the Interest Compounded Daily Using a Table

425

(5)

Present Value

430

(4)

Find the Present Value Based on Annual Compounding for One Year

430

(1)

Find the Present Value Using a $00 Present Value Table

431

(3)

Around the Business World: Maximize Your Investments: Start Early!

434

(31)

Overview

436

(3)

Words to Know

439

(1)

Concepts Analysis

439

(1)

Assignment Exercises

440

(3)

Practice Test

443

(2)

Self-Check Solutions

445

(3)

Annuities and Sinking Funds

448

(17)

Future Value of an Annuity

450

(9)

Find the Future Value of an Ordinary Annuity Using the Simple Interest Formula Method

450

(1)

Find the Future Value of an Ordinary Annuity Using a $1.00 Ordinary Annuity Future Value Table

451

(2)

Find the Future Value of an Annuity Due Using the Simple Interest Formula Method

453

(1)

Find the Future Value of an Annuity Due Using a $1.00 Ordinary Annuity Future Value Table

454

(5)

Sinking Funds and the Present Value of an Annuity

459

(6)

Find the Sinking Fund Payment Using a $1.00 Sinking Fund Payment Table

459

(2)

Find the Present Value of an Ordinary Annuity Using a $1.00 Ordinary Annuity Present Value Table

461

(4)

Around the Business World: Even YOU Can Become a Millionaire

465

(44)

Overview

467

(3)

Words to Know

470

(1)

Concepts Analysis

470

(1)

Assignment Exercises

471

(3)

Practice Test

474

(1)

Self-Check Solutions

475

(5)

Consumer Credit

480

(29)

Installment Loans

482

(3)

Find the Installment Price Given the Installment Payment

482

(1)

Find the Installment Payment Given the Installment Price

483

(2)

Paying a Loan Before It Is Due: The Rule of 78

485

(4)

Find the Interest Refund Using the Rule of 78

485

(4)

Open-End Credit

489

(5)

Find the Unpaid Balance Using the Unpaid Balance Method

490

(1)

Find the Unpaid Balance Using the Average Daily Balance Method

491

(3)

Annual Percentage Rates

494

(7)

Estimate the Annual Percentage Rate Using the Constant Ratio Formula

495

(1)

Find the Annual Percentage Rate Using a Table

496

(5)

Home Mortgages

501

(8)

Find the Monthly Mortgage Payment and Total Interest

502

(3)

Complete a Monthly Amortization Schedule

505

(4)

Around the Business World: Debt Snowball

509

(42)

Overview

512

(5)

Words to Know

517

(1)

Concepts Analysis

518

(1)

Assignment Exercises

518

(5)

Practice Test

523

(2)

Self-Check Solutions

525

(5)

Depreciation

530

(21)

Straight-Line Method of Depreciation

532

(4)

Depreciate an Asset and Prepare a Depreciation Schedule Using the Straight-Line Method

532

(4)

Units-of-Production Method of Depreciation

536

(2)

Depreciate an Asset and Prepare a Depreciation Schedule Using the Units-of- Production Method

536

(2)

Sum-of-the-Years'-Digits Method of Depreciation

538

(4)

Depreciate an Asset and Prepare a Depreciation Schedule Using the Sum-of-the-Years'-Digits Method

538

(4)

Declining-Balance Method of Depreciation

542

(3)

Depreciate an Asset and Prepare a Depreciation Schedule Using the Declining-Balance Method

542

(3)

Cost-Recovery Depreciation Systems

545

(4)

Depreciate an Asset and Prepare a Depreciation Schedule Using the Modified Accelerated Cost-Recovery System (MACRS)

545

(4)

Section 179 Deductions

549

(2)

Depreciate an Asset after Taking a Section 179 Deduction

549

(2)

Around the Business World: Small Businesses Benefit from Section 179 Deduction--But It Has Its Limits!

551

(41)

Overview

552

(4)

Words to Know

556

(1)

Concepts Analysis

556

(1)

Assignment Exercises

556

(8)

Practice Test

564

(2)

Self-Check Solutions

566

(6)

Inventory, Turnover, and Overhead

572

(20)

Inventory

574

(10)

Use the Specific Identification Inventory Method to Find the Cost of Goods Sold

575

(1)

Use the Weighted-Average Inventory Method to Find the Cost of Goods Sold

576

(1)

Use the First-In, First-Out (FIFO) Inventory Method to Find the Cost of Goods Sold

577

(1)

Use the Last-In, First-Out (LIFO) Inventory Method to Find the Cost of Goods Sold

578

(1)

Use the Retail Inventory Method to Find the Cost of Goods Sold

579

(2)

Compare Methods for Determining Inventory

581

(3)

Turnover and Overhead

584

(8)

Find the Inventory Turnover Rate

585

(2)

Find the Department Overhead Based on Sales

587

(2)

Find the Department Overhead Based on Floor Space

589

(3)

Around the Business World: OPEC Oil Inventory

592

(43)

Overview

593

(6)

Words to Know

599

(1)

Concepts Analysis

599

(1)

Assignment Exercises

600

(4)

Practice Test

604

(1)

Self-Check Solutions

605

(5)

Financial Statements

610

(25)

The Balance Sheet

612

(10)

Prepare a Balance Sheet

612

(4)

Prepare a Vertical Analysis of a Balance Sheet

616

(3)

Prepare a Horizontal Analysis of a Balance Sheet

619

(3)

Income Statements

622

(7)

Prepare an Income Statement

623

(1)

Prepare a Vertical Analysis of an Income Statement

624

(3)

Prepare a Horizontal Analysis of an Income Statement

627

(2)

Financial Statement Ratios

629

(6)

Find and Use Financial Ratios

629

(6)

Around the Business World: New Homes Inventory Turnover Ratio

635

(33)

Overview

637

(5)

Words to Know

642

(1)

Concepts Analysis

643

(1)

Assignment Exercises

644

(7)

Practice Test

651

(2)

Self-Check Solutions

653

(3)

Insurance

656

(12)

Fire Insurance

658

(4)

Find Fire Insurance Premiums Using a Rate Table

658

(1)

Find the Compensation with a Coinsurance Clause

659

(3)

Motor Vehicle Insurance

662

(3)

Find Automobile Insurance Premiums Using a Rate Table

663

(2)

Life insurance

665

(3)

Find Life Insurance Premiums Using a Rate Table

665

(3)

Around the Business World: Sport-Utility Vehicle Insurance

668

(34)

Overview

669

(3)

Words to Know

672

(1)

Concepts Analysis

672

(1)

Assignment Exercises

673

(6)

Practice Test

679

(1)

Self-Check Solutions

680

(2)

Taxes

682

(20)

Sales Tax

684

(6)

Use Tables to Find the Sales Tax

684

(2)

Use the Percent Method to Find the Sales Tax

686

(1)

Find the Marked Price and the Sales Tax from the Total Price

687

(3)

Property Tax

690

(5)

Find the Assessed Value

690

(1)

Calculate Property Tax

691

(1)

Determine the Property Tax Rate

692

(3)

Income Tax

695

(7)

Find Taxable Income

695

(1)

Use the Tax Tables to Calculate Income Tax

696

(1)

Use the Tax Rate Schedules to Calculate Income Tax

697

(5)

Around the Business World: Social Security Benefits

702

(30)

Overview

703

(3)

Words to Know

706

(1)

Concepts Analysis

707

(1)

Assignment Exercises

707

(5)

Practice Test

712

(1)

Self-Check Solutions

712

(2)

Stocks and Bonds

714

(18)

Stocks

716

(9)

Read Stock Listings

717

(2)

Calculate and Distribute Dividends

719

(1)

Calculate Current Stock Yield

720

(1)

Compare Price to Earnings

721

(1)

Find the Cost of Buying and the Proceeds from Selling Stocks

721

(2)

Calculate the Return on Investment

723

(2)

Bonds

725

(7)

Read Bond Listings

725

(2)

Calculate the Price of Bonds

727

(1)

Find the Cost of Buying and the Proceeds from Selling Bonds

728

(4)

Around the Business World: The Stock Market over the Long Term

732

(17)

Overview

733

(4)

Words to Know

737

(1)

Concepts Analysis

738

(1)

Assignment Exercises

738

(6)

Practice Test

744

(2)

Self-Check Solutions

746

(3)

Answers to Odd-Numbered Problems

749

(22)

Glossary/Index

771

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Business Math

Table of Contents

Supplemental Materials