Business Mathematics

by ;
Edition: 14th
Format: Paperback
Pub. Date: 2018-01-18
Publisher(s): Pearson
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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. 

Also available with MyLab Math

By combining trusted author content with digital tools and a flexible platform, MyLab personalizes the learning experience and improves results for each student. 

Note: You are purchasing a standalone product; MyLab Math does not come packaged with this content. Students, if interested in purchasing this title with MyLab Math, ask your instructor to confirm the correct package ISBN and Course ID. Instructors, contact your Pearson representative for more information.

If you would like to purchase both the physical text and MyLab Math, search for:

0135195969 / 9780135195963   Business Mathematics Plus MyLab Math with Pearson eText - Access Card Package

Package consists of:

  • 0134693329 / 9780134693323  Business Mathematics, 14e
  • 0134836235 / 9780134836232  MyLab Math with Pearson eText - Access Card - for Business Mathematics, 14/e

Author Biography

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.

Table of Contents


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 



Photo Credits 

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