Business Math
12th Edition
by Cheryl Cleaves
Complete Chapter Solutions Manual
are included (Ch 1 to 21)
** Immediate Download
** Swift Response
** All Chapters included
** Cases, Exercises, Tests
, Table of Contents
Chapter 1: Review of Whole Numbers and Integers 1
Chapter 2: Review of Fractions 9
Chapter 3: Decimals 20
Chapter 4: Banking 30
Chapter 5: Equations 41
Chapter 6: Percents 52
Chapter 7: Business Statistics 63
Chapter 8: Trade and Cash Discounts 77
Chapter 9: Markup and Markdown 86
Chapter 10: Payroll 102
Chapter 11: Simple Interest and Simple Discount 113
Chapter 12: Consumer Credit 123
Chapter 13: Compound Interest, Future Value, and Present Value 132
Chapter 14: Annuities and Sinking Funds 143
Chapter 15: Building Wealth Through Investments 159
Chapter 16: Mortgages 168
Chapter 17: Depreciation 183
Chapter 18: Inventory 196
Chapter 19: Insurance 208
Chapter 20: Taxes 217
Chapter 21: Financial Statements 225
, Chapter 1 Review of Whole Numbers and Integers
Section Exercises
1-1, p. 9
1. Twenty-two million, three hundred fifty-six thousand, 2. One hundred six billion, three hundred fifty-seven
twenty-seven million, two hundred ninety-one thousand, five hundred
eighty-two
3. Seven hundred thirty million, five hundred thirty-one 4. Twenty-one million, seventeen
thousand, nine hundred sixty-eight
5. Five hundred twenty-three billion, eight hundred million, 6. Seven hundred thirteen million, two hundred five
seven thousand, one hundred ninety thousand, five hundred thirty-eight
7. 14,985 8. 32,943,608
9. 17,000,803,075 10. 50,612,078
11. 306,541 12. 300,760,512
13. 8 is in the tens place. 3 is to its right and is less than 5. 14. 7 is in the hundreds place. The digit 6 is on the right and
Leave 8 and replace 3 with zero; 480. is 5 or more. Add 1 to 7 and replace 6 and 2 with zeros;
3,800.
15. 9 is in the ten-thousands place and 8 is 5 or greater. So 16. 5 is the first digit. 7 is 5 or greater, so add 1 to 5 and
increase 9 by 1. Since 9 + 1 = 10, we record 0 and carry replace all digits to its right with zeros; 60,000.
1 to the next place to the left. 2 +1 = 3. Replace digits to
the right of the ten-thousands place with zeros; 300,000.
17. $4,000,000,000 18. $457,025,972,800
19. 0 is in the millions place, 3 on the right is less than 5, so 20. 1 is in the first place. The digit to the right, 5, is 5 or
leave 0 as it is and replace all digits on its right with more, so round up by adding 1 to the 1 in the first place.
zeros; 860,000,000. Replace all digits to the right with zeros; 2,000.
21. Negative fifteen thousand, three hundred fourteen dollars 22. Negative eight thousand, four hundred twenty dollars
23. Negative eight thousand, six hundred thirty-six dollars 24. Negative twenty-thousand, one hundred fifty-seven
dollars
25. −$520,000,000 26. −$1,800,000,000
1-2, p. 24
1. 300 + 600 + 700 = 1,600; 1,637 2. 700 +1,000 + 60 = 1,760; 1,710
3. 800 +1,000 + 50 = 1,850; 1,843 4. 6,000 + 20,000 + 30,000 = 56,000; 53,871
8. 3 10
5. 89 6. 4 15 7. 2 10 5, 4 9 9. −6
5 5 3 08 0
−52
−36 −275 −2, 1 7 6
37
19 33 3, 2 3 3
10. 92 11. −8,188 12. −403 13. 21 14. −17
15. 12 16. −4 17. 730 18. 904 19. 1, 005
60 24 89
43,800 3 616 9 045
18 08 80 40
21,696 89,445
Chapter 1 1
, 20. −138 21. v −480 22. v 5,312 23. v −$580,412
24. v16 25. 407 26. 260 v R4
6 v 96 34 v 13,838 17 v 4,v424
6 13 v6 3 v4 v
36 23 1 v 02
36 0 1 v 02
238 4
238 0
4
27. v −8 28. v 7 29. v −42 30. v −$239 31. v 4 32. v $51 33. v 26 34. v −217
35. v 2,v950vv50 v= 36. v 689,100vv30 v= 37. v 57,800,000vv2,000 v= 38. v 5,730,000vv300 v=
295vv5 v= v59 68,910vv3 v= v22,970 57,800vv2 v= v28,900 57,300vv3 v=v19,100
39. 922 v R256 The vaverage vselling vprice vof 40. v v 8,832 v v8 v=v1,104 Each vvendor vsupplied v1,104
352 v 324,800 veach vtrailer vwas vnearly vboxes vof vcards.
316 v 8 v $923.
8 v 00
7 v 04
960
704
256
41. v 348 vv12 v= v29 You vwill vneed v29 vboxes. 42. v v 21,v960 v−v16,v300 v= v5, Visitors vincreased vby v5,660.
v660
43. v 200,v000,v000 v− v500,v000 v=v199,v500, 44. $200,000,000vv$500,v000 v= v400 vtimes vincrease
v000
The vsales vincrease vis v $199,500,000.
45. v −$39,583v+v(−$23,486)v= v−$63,069 46. −$32,871+v$29,783 v= v−$3,088 v loss
47. v 291v(−$3)v= v−$873 48. −$63,408v12 v= v−$5,284
49. v Number v of v reams vin v warehouse v=v1,35810 v= 50. 487v(−$12)v= v−$5,844
v13,580.
If v15,000 vreams vare vneeded vto vprocess vall vthe vstore
vorders, vshe vneeds vto vorder vmore vpaper.
Exercise Set, p. 32v v v
1. v $7,000,000,000 2. v 20,000
3. v 26 4. v 5,400 vhotels; v495,000 vrooms; v70 vcountries; v20 vpercent
vowned vby vpeople vfrom vunderrepresented vgroups
5. v Negative vfourteen vbillion, vsix vhundred vseventy-two 6. v Thirty vbillion, veight vhundred vsixty vmillion vdollars
vmillion vdollars
7. v Negative vtwenty-seven vbillion, vsix vhundred veighty-four 8. v Negative veight vbillion, vnine vhundred vtwenty-two
vmillion vdollars vmillion vdollars
9. v 400 10. v 9,000
11. v 8,200 12. v 350,000
13. v 265,472; v2 vis vin vthe vhundred-thousands vplace. v6 vis vto 14. v 3,899; v3 vis vin vthe vthousands vplace. v8 vis vto vthe vright
vthe vright vand vis vmore vthan v5. v300,000. vand vis vmore vthan v5. v $4,000.
6,316,436; v3 vis vin vthe vhundred-thousands vplace. v1 vis vto
vthe vright vand vis vless vthan v5. v6,300,000.
2 Chapter 1
12th Edition
by Cheryl Cleaves
Complete Chapter Solutions Manual
are included (Ch 1 to 21)
** Immediate Download
** Swift Response
** All Chapters included
** Cases, Exercises, Tests
, Table of Contents
Chapter 1: Review of Whole Numbers and Integers 1
Chapter 2: Review of Fractions 9
Chapter 3: Decimals 20
Chapter 4: Banking 30
Chapter 5: Equations 41
Chapter 6: Percents 52
Chapter 7: Business Statistics 63
Chapter 8: Trade and Cash Discounts 77
Chapter 9: Markup and Markdown 86
Chapter 10: Payroll 102
Chapter 11: Simple Interest and Simple Discount 113
Chapter 12: Consumer Credit 123
Chapter 13: Compound Interest, Future Value, and Present Value 132
Chapter 14: Annuities and Sinking Funds 143
Chapter 15: Building Wealth Through Investments 159
Chapter 16: Mortgages 168
Chapter 17: Depreciation 183
Chapter 18: Inventory 196
Chapter 19: Insurance 208
Chapter 20: Taxes 217
Chapter 21: Financial Statements 225
, Chapter 1 Review of Whole Numbers and Integers
Section Exercises
1-1, p. 9
1. Twenty-two million, three hundred fifty-six thousand, 2. One hundred six billion, three hundred fifty-seven
twenty-seven million, two hundred ninety-one thousand, five hundred
eighty-two
3. Seven hundred thirty million, five hundred thirty-one 4. Twenty-one million, seventeen
thousand, nine hundred sixty-eight
5. Five hundred twenty-three billion, eight hundred million, 6. Seven hundred thirteen million, two hundred five
seven thousand, one hundred ninety thousand, five hundred thirty-eight
7. 14,985 8. 32,943,608
9. 17,000,803,075 10. 50,612,078
11. 306,541 12. 300,760,512
13. 8 is in the tens place. 3 is to its right and is less than 5. 14. 7 is in the hundreds place. The digit 6 is on the right and
Leave 8 and replace 3 with zero; 480. is 5 or more. Add 1 to 7 and replace 6 and 2 with zeros;
3,800.
15. 9 is in the ten-thousands place and 8 is 5 or greater. So 16. 5 is the first digit. 7 is 5 or greater, so add 1 to 5 and
increase 9 by 1. Since 9 + 1 = 10, we record 0 and carry replace all digits to its right with zeros; 60,000.
1 to the next place to the left. 2 +1 = 3. Replace digits to
the right of the ten-thousands place with zeros; 300,000.
17. $4,000,000,000 18. $457,025,972,800
19. 0 is in the millions place, 3 on the right is less than 5, so 20. 1 is in the first place. The digit to the right, 5, is 5 or
leave 0 as it is and replace all digits on its right with more, so round up by adding 1 to the 1 in the first place.
zeros; 860,000,000. Replace all digits to the right with zeros; 2,000.
21. Negative fifteen thousand, three hundred fourteen dollars 22. Negative eight thousand, four hundred twenty dollars
23. Negative eight thousand, six hundred thirty-six dollars 24. Negative twenty-thousand, one hundred fifty-seven
dollars
25. −$520,000,000 26. −$1,800,000,000
1-2, p. 24
1. 300 + 600 + 700 = 1,600; 1,637 2. 700 +1,000 + 60 = 1,760; 1,710
3. 800 +1,000 + 50 = 1,850; 1,843 4. 6,000 + 20,000 + 30,000 = 56,000; 53,871
8. 3 10
5. 89 6. 4 15 7. 2 10 5, 4 9 9. −6
5 5 3 08 0
−52
−36 −275 −2, 1 7 6
37
19 33 3, 2 3 3
10. 92 11. −8,188 12. −403 13. 21 14. −17
15. 12 16. −4 17. 730 18. 904 19. 1, 005
60 24 89
43,800 3 616 9 045
18 08 80 40
21,696 89,445
Chapter 1 1
, 20. −138 21. v −480 22. v 5,312 23. v −$580,412
24. v16 25. 407 26. 260 v R4
6 v 96 34 v 13,838 17 v 4,v424
6 13 v6 3 v4 v
36 23 1 v 02
36 0 1 v 02
238 4
238 0
4
27. v −8 28. v 7 29. v −42 30. v −$239 31. v 4 32. v $51 33. v 26 34. v −217
35. v 2,v950vv50 v= 36. v 689,100vv30 v= 37. v 57,800,000vv2,000 v= 38. v 5,730,000vv300 v=
295vv5 v= v59 68,910vv3 v= v22,970 57,800vv2 v= v28,900 57,300vv3 v=v19,100
39. 922 v R256 The vaverage vselling vprice vof 40. v v 8,832 v v8 v=v1,104 Each vvendor vsupplied v1,104
352 v 324,800 veach vtrailer vwas vnearly vboxes vof vcards.
316 v 8 v $923.
8 v 00
7 v 04
960
704
256
41. v 348 vv12 v= v29 You vwill vneed v29 vboxes. 42. v v 21,v960 v−v16,v300 v= v5, Visitors vincreased vby v5,660.
v660
43. v 200,v000,v000 v− v500,v000 v=v199,v500, 44. $200,000,000vv$500,v000 v= v400 vtimes vincrease
v000
The vsales vincrease vis v $199,500,000.
45. v −$39,583v+v(−$23,486)v= v−$63,069 46. −$32,871+v$29,783 v= v−$3,088 v loss
47. v 291v(−$3)v= v−$873 48. −$63,408v12 v= v−$5,284
49. v Number v of v reams vin v warehouse v=v1,35810 v= 50. 487v(−$12)v= v−$5,844
v13,580.
If v15,000 vreams vare vneeded vto vprocess vall vthe vstore
vorders, vshe vneeds vto vorder vmore vpaper.
Exercise Set, p. 32v v v
1. v $7,000,000,000 2. v 20,000
3. v 26 4. v 5,400 vhotels; v495,000 vrooms; v70 vcountries; v20 vpercent
vowned vby vpeople vfrom vunderrepresented vgroups
5. v Negative vfourteen vbillion, vsix vhundred vseventy-two 6. v Thirty vbillion, veight vhundred vsixty vmillion vdollars
vmillion vdollars
7. v Negative vtwenty-seven vbillion, vsix vhundred veighty-four 8. v Negative veight vbillion, vnine vhundred vtwenty-two
vmillion vdollars vmillion vdollars
9. v 400 10. v 9,000
11. v 8,200 12. v 350,000
13. v 265,472; v2 vis vin vthe vhundred-thousands vplace. v6 vis vto 14. v 3,899; v3 vis vin vthe vthousands vplace. v8 vis vto vthe vright
vthe vright vand vis vmore vthan v5. v300,000. vand vis vmore vthan v5. v $4,000.
6,316,436; v3 vis vin vthe vhundred-thousands vplace. v1 vis vto
vthe vright vand vis vless vthan v5. v6,300,000.
2 Chapter 1
