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Chapter 1, Lesson 1

Computing Wages
EXAMPLE

Hours

Rate

22

\$7.00

Solution: \$ 7.00

22

14 00
140 0

\$ 154.00

Directions Find the wages for each example below.

Hours
Worked

Rate

Hours
Worked

Wages

Rate

Wages

1.

10

\$4.00 _________________

15.

18

\$7.08 _________________

2.

\$6.00 _________________

16.

20

\$35.67 _________________

3.

20

\$6.20 _________________

17.

26

\$9.34 _________________

4.

35

\$7.90 _________________

18.

15

\$10.92 _________________

5.

13

\$8.44 _________________

19.

27

\$11.39 _________________

6.

24

\$17.90 _________________

20.

12

\$14.45 _________________

7.

\$12.34 _________________

21.

26

\$9.03 _________________

8.

20

\$56.78 _________________

22.

20

\$16.55 _________________

9.

17

\$9.00 _________________

23.

38

\$32.67 _________________

10.

26

\$8.89 _________________

24.

34

\$8.99 _________________

11.

38

\$17.98 _________________

25.

15

\$43.15 _________________

12.

40

\$15.62 _________________

26.

29

\$17.66 _________________

13.

15

\$17.61 _________________

27.

34

\$4.65 _________________

14.

12

\$22.82 _________________

28.

33

\$9.78 _________________

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Alternative Activity

Chapter 1, Lesson 2

EXAMPLE

worked in a year
\$14.50
2,000

Solution: \$
14.50

2,000

\$29,000.00

Directions Find the annual wages for each example below.

Job Title

1. Cook,
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.

restaurant
Cook,
short order
Food attendant
Dishwasher
Home health aide
Nursing aide
Pharmacy aide
Veterinary assistant
Medical assistant
Dental assistant
Massage therapist
Physical therapy
assistant
Construction
supervisor

Hourly
Rate

Annual
Wages

\$8.05 
\$7.48
\$6.33
\$6.57
\$8.21
\$8.29
\$8.76
\$7.60
\$10.89
\$11.24
\$11.01












\$15.90 

14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.

Job Title

Hourly
Rate

Annual
Wages

Carpenter
Carpet installer
Stonemason
Pile driver
operator
Construction
laborer
Carpenters helper
Electricians helper
Painters helper
Roofer
Telephone
operator
Payroll clerk
Receptionist

\$15.35 
\$13.23 
\$15.36 
\$19.93 
\$10.85
\$9.61
\$9.89
\$8.95
\$12.94







\$13.66 
\$12.37 
\$9.26 

\$20.71 

Source: http://www.bls.gov/oes/1999/oes_43Of.htm
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Chapter 1, Lesson 3

EXAMPLE

Alfredo is a nurse at the hospital. On Sunday he arrived at 6:15 A.M.

and took a lunch break from 11:20 A.M. to 12:20 P.M. Alfredo left
for the day at 3:15 P.M. How long did Alfredo work?
This is Alfredos time card

Morning

Afternoon

In
Out
In
Out
6:15 11:20 12:20 3:15
Solution:

11:20
3:15
2:75
(20
min.
of
afternoon)


6:15

20

:20
 

5:05
2:55

(Rename 1 hour to 60 minutes.

15  60  75 minutes.)

 8 hours

Directions Compute the total time worked each day. Rename

60 minutes to one hour if necessary.
Morning

In

1. 8:00
2. 7:30
3. 8:30
4. 8:55
5. 4:45
6. 8:57
7. 6:20
8. 7:15
9. 8:05
10. 9:03
11. 10:00
12. 9:45

Afternoon

Out

In

Out

Time
Worked

12:00
11:30
11:00
10:55
8:45
11:45
11:20
12:10
11:55
12:00
11:45
12:00

1:00
1:00
1:30
12:10
12:55
12:30
1:00
12:45
12:50
1:00
1:15
1:00

5:00
4:30
5:30
6:10
3:55
5:15
4:40
6:22
5:43
4:45
7:00
6:15

________
________
________
________
________
________
________
________
________
________
________
________

Morning

In

13. 7:48
14. 8:22
15. 5:04
16. 8:21
17. 6:04
18. 8:29
19. 7:21
20. 8:04
21. 6:56
22. 9:00
23. 5:45
24. 10:02

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Afternoon

Out

In

Out

Time
Worked

11:40
12:06
11:28
11:10
12:01
11:55
12:16
12:01
11:55
12:56
11:50
12:00

12:20
2:25
1:20
12:15
1:05
12:35
12:45
12:55
12:30
1:30
1:55
1:00

6:12
3:58
2:47
5:00
4:00
5:00
4:05
6:03
5:20
4:15
6:00
5:00

________
________
________
________
________
________
________
________
________
________
________
________

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Chapter 1, Lesson 4

Overtime Rates
EXAMPLE

Lanae earns \$5.50 per hour. What are her overtime rates?
Time and a half
\$ 5.50
 1.5

2 750

5 50

\$ 8.250

Double time
\$ 5.50

2

\$11.00

Lanaes time and a half rate is \$8.25 and her double time rate is \$11.00.

Directions Find the time and a half and the double time rates
for each hourly rate. Do not round answers.
Overtime Rates
Hourly Rate

Double Time

1.

2.

3.

5.

6.

7.

9.

10.

12.

\$8.95 ___________________________ _______________________________

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Chapter 1, Lesson 5

Working Overtime
EXAMPLE

Sherri, a desktop publisher, earns \$14.00 per hour for a

40-hour week. After 40 hours she earns time and a half.
Last week she worked 52 hours. She computed her pay:

Step 1

Step 2

Step 3

\$ 14.00 Hourly Rate


40 40 Hours

\$560.00 Regular Wages

\$ 14.00 Hourly Rate


1.5 (Time and a half)

7 000

14
00

\$ 21.00

\$ 21.00 Overtime Rate


12 Overtime Hours

42 00

210
0

\$ 252.00

Step 4
\$ 560.00 Regular Wages

252.00 Overtime Wages

\$ 812.00

Directions Compute the total wages. Use time and a half for any time over 40 hours.
Hours
Worked Rate

1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.

40
42
58
50
60
47
56
62
44
55
61

\$5.10
\$6.20
\$7.00
\$8.05
\$7.48
\$6.38
\$6.57
\$8.21
\$8.29
\$8.76
\$7.60

Wages

___________________
___________________
___________________
___________________
___________________
___________________
___________________
___________________
___________________
___________________
___________________

Hours
Worked Rate

12.
13.
14.
15.
16.
17.
18.
19.
20.
21.

48
56
48
42
60
48
45
58
49
57

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\$10.89
\$11.24
\$11.01
\$15.19
\$20.71
\$18.09
\$15.36
\$13.25
\$15.36
\$19.98

Wages

___________________
___________________
___________________
___________________
___________________
___________________
___________________
___________________
___________________
___________________

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Alternative Activity

Chapter 1, Lesson 6

EXAMPLE

Corinne is a bellhop at a hotel downtown. She earns \$5.50 an

hour plus tips.
In one 40-hour workweek she earned \$230.00 in tips. Find her
total income for the week.

\$ 5.50 Hourly wage


40 Hours worked

\$220.00 Weekly wages

\$ 220.00 Weekly wages


230.00 Tips

\$ 450.00 Total income

Corinnes total income is \$450.00.

1. Derek works 40 hours as a skycap. He earns \$3.00 per hour

plus tips. In one week, he earned \$200.00 in tips. What was

Dereks total income? ______________________
2. Lisa waits tables in the local diner. In one week she worked

30 hours and earned \$425.00 in tips. If she earns \$4.00 per

hour wage, what was her total income?
______________________
3. Marti washes windows in an apartment complex for \$6.05

per hour. One week residents were so happy with her work
that they tipped her an additional \$120.00. In her 40-hour
week, what did she earn? ______________________
4. Tashia shampoos hair part time in the beauty shop. She

earns \$5.15 per hour for 20 hours a week. If her customers

tipped her \$30.00 in one week, what was her total income?
_____________________
5. Marcell dries cars at the car wash. He earns \$5.50 per hour

for 40 hours and earns an average of \$225.00 in tips. What

is his total income? ______________________

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Alternative Activity

Chapter 1, Lesson 7

EXAMPLE

Karl paints magnets. He earns \$0.50 for each piece that

he makes. How much will he earn this week?
Piece Rate
\$0.50

Daily Production

M
80
Solution:

T W Th F
90 109 72 95

446 Weekly Production

\$
.50 Piece Rate

0 00
223
0

\$223.00 Wages

80
90
109
72
95

446 Weekly Production
Karl will earn \$223.00.

Directions Find the wages for each example below.

Daily Production
M

Th

Piece Rate

Wages

1.

12

15

15

10

10

\$4.00

___________

2.

35

30

32

33

37

\$0.80

___________

3.

33

34

31

33

32

\$0.84

___________

4.

14

12

17

15

16

\$3.60

___________

5.

10

\$3.06

___________

6.

12

10

10

\$4.16

___________

7.

15

16

12

\$3.75

___________

8.

17

16

20

19

17

\$2.50

___________

9.

19

22

19

18

18

\$2.25

___________

10.

12

11

15

13

16

\$2.76

___________

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Chapter 1, Lesson 8

Rounding Money
EXAMPLE

Tony wants to leave a tip for the good service. His bill is \$112.78.
A usual 15% tip is \$16.917. Round to the nearest cent,
dime and dollar.
Key Digit
\$16.917

\$16.917

\$16.917


Cent:
Dime:
Dollar:

\$16.92
7
\$16.9
17
\$16
.917


Drop remaining digits.

\$16.92
\$16.90 Hold cents place with zeros.
\$17

Tony may leave a tip of \$16.92, \$16.90 or \$17.00.

Directions Round each amount to the nearest cent, dime and dollar.
Key Digit
Cent

Dime

Key Digit
Dollar

Cent

Dime

Dollar

1. \$4.1207

10. \$5.750

2. \$7.6077

_____ _____

3. \$5.5688

_____ _____

4. \$18.500

_____ _____

5. \$8.2538

14. \$19.5004

6. \$7.5547

15. \$22.3976

7. \$9.048

16. \$14.9991

8. \$11.785

17. \$101.665

9. \$9.609

18. \$17.4124

_____ _____ _____

Directions Round each amount to the next cent, dime and dollar.
Key Digit
Cent

Dime

Key Digit
Dollar

Cent

Dime

Dollar

19. \$4.1307

21. \$9.5498

20. \$8.5067

22. \$10.5002

_____ _____ _____

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Alternative Activity

Chapter 1, Lesson 9

Salary
EXAMPLE

Tyler is quoted an annual salary of \$54,000. He can choose one of six

pay periods. Find the amount he would receive in each pay period.
Pay Period
Number of pays

Weekly
52

Biweekly
26

Semimonthly
24

\$2,076.92
\$2,250
\$1,038.46
52 \$
5
4
,0
0
0
.0
0
 26 \$
5
4
,0
0
0
.0
0 24 \$
5
4
,0
0
0


Monthly
12

Quarterly Semiannually
4
2

\$27,000
\$4,500
\$13,500
12 \$
5
4
,0
0
0
 4 \$
5
4
,0
0
0
 2 \$
5
4
,0
0
0


Tyler is paid either \$1,038.46 weekly, \$2,076.92 biweekly, \$ 2,250 semimonthly,

\$4,500 monthly, \$13,500 quarterly or \$27,000 semiannually.

Directions Complete the following chart. Find the amount earned during
each pay period. Round answers to the nearest cent.
Worker

Annual Salary

Weekly

Biweekly

Semimonthly

Monthly

Quarterly

Semiannually

52 pay periods 26 pay periods 24 pay periods 12 pay periods 4 pay periods 2 pay periods
1. Joseph

\$45,000

2. Sarah

\$60,000

3. Nicholas

\$124,800

4. Elizabeth

\$24,960

5. Anthony

\$21,840

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Chapter 1, Lesson 10

10

EXAMPLE

EXAMPLE

65%

4.5% or 4 12 %
4.5%  0.04.5

Move the decimal point

two places to the left. 65%  0.65.

4 12 %  0.04.12

Remove the %.

Write zeros to hold the

decimal places, if necessary.

Directions Rename each percent as a decimal.

1. 20%  ________________________
2
3

13. 89%  ________________________

2. 33  %  ______________________

14. 9999%  ______________________

3. 6.6%  ________________________

15. 56.4%  _______________________

1
3
44
5. 99  %  _____________________
100
1
6. 37  %  ______________________
2

16. 64.3%  _______________________

7. 3.6%  ________________________

19. 0.03%  _______________________

8. 37.5%  _______________________

20. 0.643%  ______________________

9. 50%  ________________________

11. 155%  _______________________

23. 10  %  ______________________

12. 150%  _______________________

______________________

4. 66  %  ______________________

17. 325%  _______________________

18. 6.43%  _______________________

1
5
2
24. 20  % 
3

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Chapter 1, Lesson 11

11

Earning Commission
EXAMPLE

Lolita sells jewelry: She earns a 6% commission on her sales up

to her quota of \$20,000. Lolita earns a 7% bonus (extra)
commission on all sales beyond \$20,000. Last week her sales
were \$30,000. How much did she earn?

Quota
20,000

Rate
6%

Sales
\$30,000

Bonus Rate
7%

Step 1
\$20,000

.06

\$ 1,200

Step 2
\$ 30,000

20,000

\$ 10,000

Step 3
\$10,000

.07

\$700.00

Step 4
\$1,200.00

700.00

\$1,900.00

Regular Commission

Bonus Commission

Regular Commission
Bonus Commission
Total Commission

Directions Find the total commission for each example below.

Add the bonus commission to the regular commission
Quota

Rate

Sales

Bonus
Rate

1.

\$6,000

10%

\$6,150

15%

2.

\$3,500

9%

\$7,700

13%

3.

\$4,000

10%

\$8,765

15%

4. \$10,000

6%

\$12,500

9%

5.

\$6,500

8%

\$7,298

12%

6.

\$9,600

7%

\$12,152

10%

7.

\$3,500

5%

\$7,025

7%

8. \$10,000

9%

\$9,379

15%

9.

\$3,750

8%

\$5,098

11%

10.

\$2,100

4%

\$3,769

7%

11.

\$8,500

5%

\$11,123

11%

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Alternative Activity

Chapter 1, Lesson 12

12

EXAMPLE

Jessica sells clothing in a department store. She earns a weekly

salary of \$250 plus a commission of 0.6% on all her sales. Last
week her sales were \$120,000. What did she earn?

Step 1 \$120,000 Sales


.006 Rate of commission

\$ 720.00 Commission

Step 2 \$250 Salary

720 Commission

\$970 Total earnings

Directions Find the commission and total earnings for the sales listed below.
Total Sales

1.

\$50,000

2.
3.

Rate of
Commission

Salary
Earned

Commission

Total
Earnings

4%

\$500

_____________

_____________

\$210,000

1.5%

\$200

_____________

_____________

\$150,000

8%

\$300

_____________

_____________

4. \$1,500,000

0.5%

\$100

_____________

_____________

5.

\$12,678

3.6%

\$350

_____________

_____________

6.

\$80,000

6.4%

\$150

_____________

_____________

7.

\$25,876

2.7%

\$240

_____________

_____________

8.

\$80,000

3.5%

\$170

_____________

_____________

9.

\$90,000

1.45%

\$290

_____________

_____________

10.

\$56,987

5%

\$200

_____________

_____________

11.

\$12,860

4.8%

\$75

_____________

_____________

12.

\$4,600

3.9%

\$125

_____________

_____________

13.

\$22,567

1.8%

\$79

_____________

_____________

14.

\$40,500

2.75%

\$250

_____________

_____________

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Period

Chapter 1, Lesson 13

13

EXAMPLE

Write this:

EXAMPLE

Write this:

2  3.5  0.06 
2
3.5

.06
5.56

OR

2.00
3.50

0.06
5.56

5  0.17  1.074 

a. Remember that the number 3 can be

expressed as a decimal, that is,
3  3.0  3.00.
b. Remember that the decimal points must be
lined up before you begin to add.
c. Remember to place the decimal point in the
sum as shown in the examples.

5.000
0.170

1.074
6.244

1.

9.12
2.78
 .86


4.

10.015
3.678
62.15

6.1


7.

0.61
10.761
30.945

2.28


2.

3.01
6.615
84.059
 2.191


5.

3.150
10.629
1.07
 4.48


8.

3.9
.667
.365
101.2


6.

7.1
90.15
 6.90


1.10
0.671
14.02

6.792


9.

3.

94.031
77.6
0.5721
10


Directions Write these in the vertical form and add.

10. 1.1  4.09  7.011  _____________

13. 16.5  .32  9  ________________

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Chapter 2, Lesson 1

14

Expressing Prices
EXAMPLE

Newspaper ads for food stores often report prices in both dollars
and cents. To compare prices we must be able to express prices
in both cents and dollars.
Express \$0.59 in cents.
\$0.59  59

Express 69 in dollars.
69  \$0.69

Some prices are quoted in fractions of a cent, such as \$1.013. To

express this amount in cents, move the decimal point two places
to the right.
\$1.013  101.3

Directions Express these prices in dollars and cents. It is important to

use the correct symbol in the price.
Cents

Dollars

Cents

Dollars

1.

65

_______

_______

\$2.29

2.

_______

\$0.98

10.

79

_______

3.

67

_______

11.

101.9

_______

4.

_______

\$1.40

12.

_______

\$0.625

5.

_______

\$1.64

13.

99.9

_______

6.

89

_______

14.

_______

\$2.824

7.

_______

\$2.16

15.

_______

8.

_______

\$0.78

9.

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Chapter 2, Lesson 2

15

EXAMPLE

It is not unsual to see food prices written without the dollar sign,
\$, or the cents sign, . Most of the time it is easy to understand
what the price is.
A. 57

B. \$0.57

However, every so often a mistake is made and a price is listed

incorrectly.
In the following list, which price is not the same value as the
other three?
A. 153

B. \$1.53

C. \$153

D. 153

E. 1.53

Price C is not the same. Price C represents one hundred fifty-three dollars.
Prices A, B, D and E all represent one dollar and fifty-three cents.

Directions In each row, write the letter of the price that is not equal to
the other three.
A

1.

68

\$0.68

.68

.68

2.

\$1.06

1.06

106

106

3.

\$0.44

44

.44

\$44

4.

.06

\$0.06

.06

5.

.89

89

8.9

\$0.89

6.

61

6.1

.61

\$0.61

7.

\$46

.46

\$0.46

46

8.

97

9.7

.97

\$0.97

9.

\$17

.17

\$0.17

17

10.

.6

\$0.06

.06

11.

\$2.08

\$208

2.08

208

12.

681

\$6.81

\$0.681

6.81

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Chapter 2, Lesson 3

16

EXAMPLE

Marlett bought four items at the food store. He decided to add

up the total cost before going to the checkout to check that he
The packages were marked as follows:

.46

Step 1Write all the prices in a column,

aligning the decimal points.

399

579

\$6

\$ .46
3.99
5.79
6.00


.46
3.99
5.79
6.00

\$16.24

Directions Find the total of the prices.

Item 1

Item 2

Item 3

Item 4

Total
Cost

1.

288

759

114

319

________

2.

82

\$3

4.06

\$1

________

3.

.56

42

.29

3.59

________

4.

.79

.99

\$5

249

________

5.

149

.64

699

199

________

6.

.99

9.99

164

249

________

7.

.58

.79

.99

.19

________

8.

187

1.87

1.49

1.89

________

9.

599

299

499

399

________

10.

2.34

119

124

\$5

________

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Chapter 2, Lesson 4

17

Computing Change
EXAMPLE

Jermaine paid for purchases of \$14.75 with a

\$20.00 bill. Find his change.
Jermaines change was one quarter and one
\$5.00 bill.

Do not give more than

1 nickel
2 dimes
3 quarters
4 pennies
4 \$1.00 bills, or
1 \$5.00 bill

Directions Compute the change for each of these purchases.

The answer to Number 1 is 2 quarters.
Purchase
Price

Cash

1.

\$9.50

\$10

________________________________

2.

\$3.40

\$5

________________________________

3.

\$17.15

\$20

________________________________

4.

\$5.00

\$10

________________________________

5.

\$6.10

\$10

________________________________

6.

\$14.26

\$20

________________________________

7.

\$17.91

\$18

________________________________

8.

\$8.09

\$10

________________________________

9.

\$14.76

\$15

________________________________

10.

\$8.19

\$10

________________________________

11.

\$8.90

\$9

________________________________

12.

\$6.58

\$20

________________________________

Change

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Chapter 2, Lesson 5

18

Subtraction of Decimals
EXAMPLE

Write this:

EXAMPLE

Write this:

4.23  0.644 

4.230

.644

3.586

a. Remember to fill places in the

minuend and subtrahend with
zeros when necessary.

points lined up.

9  0.327 
9.000

.327

8.673

1.

16.32

3.7


5.

77.89

.981


9.

7.057

.69


13.

36

8.125


2.

5.740
 1.940


6.

39.95
 3.99


10.

6
 .6


14.

8
 5.336


3.

10.14

.28


7.

16

1.6005


11.

14

.153


4.

.5

.25


8.

365.25

8.8


12.

10

.017


Directions Write these in the vertical form and subtract.

15. 42.3  5.64 

__________________

18. 5  1.79  _____________________

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Alternative Activity

Chapter 2, Lesson 6

19

Coupons for More than One

EXAMPLE

Bob has a coupon that offers a savings of \$1.00 on any 3 bottles of apple cider.
Each bottle is marked \$3.50. How much will the 3 bottles cost with the coupon?

Step 1 Multiply
\$ 3.50

3

\$10.50

Step 2

Subtract
\$10.50
 1.00

\$9.50

The pizzas will cost \$9.50.

Directions For each set of items, find the cost when a coupon is used.
Item

1. Orange juice

Price for
1 Item

Cost

50 on 1 carton

__________

49

40 on 8 cans

__________

\$4.69

\$1.29 on 1 jug

__________

4. Tuna fish

55

25 on 4 cans

__________

99

25 on 3 jars

__________

3. Laundry soap

\$1.98

Coupon Value

6. Syrup

\$1.89

35 on 2 bottles

__________

7. Apple juice

\$1.59

20 on 2 bottles

__________

8. Tea bags

\$1.99

25 on 4 boxes

__________

9. Donuts

\$2.19

50 on 3 boxes

__________

\$2.49

35 on 1 box

__________

\$1.89

60 on 8 bars

__________

\$2.29

40 on 3 boxes

__________

13. Pudding cups

\$3.29

80 on 3 packs

__________

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Chapter 2, Lesson 7

20

EXAMPLE

Elijah reads this net weight on his can of peaches: 1 lb 13 oz.

What does it tell him?
Remember: the abbreviation for pound: lb
the abbreviation for ounce: oz
There are 16 ounces per pound.
Elijah learns that the can holds almost 2 pounds of peaches.
There is another number on the label for net weight, 822g.
What does that tell him?
Elijah learns that g is the metric symbol for gram.
Elijah learns that the can holds over 800 grams of peaches.

Directions Write the words for these abbreviations or symbols.

Abbreviation
or symbol

Word

Abbreviation
or symbol

Word

1.

doz

____________

7.

____________

gram

2.

____________

8.

____________

dozen

3.

lb

____________

9.

____________

fluid ounce

4.

oz

____________

10.

____________

milligram

5.

kg

____________

11.

____________

kilogram

6.

mg

____________

12.

____________

ounce

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Period

Chapter 2, Lesson 8

21

Expiration Dates
EXAMPLE

Many store coupons can be used only for a limited time. The
expiration date shows when the coupon offer expires, or
comes to an end.
Mark cut from the newspaper a coupon for diapers that
expires at the end of May. If todays date is January 2, how
much longer may he use the coupon? Since January has just
begun, count it as one month. Count one month each for
February, March, April and May. Mark has five months to use
the coupon: January - May.
JANUARY
S

T F S
1 2 3
4 5 6 7 8 9 10
11 12 13 14 15 16 17
18 19 20 21 22 23 24
25 26 27 28 29 30 31

FEBRUARY
S M T W T F S
1 2 3 4 5 6 7
8 9 10 11 12 13 14
15 16 17 18 19 20 21
22 23 24 25 26 27 28

MAY
W

M T W T F S
1 2 3 4 5 6
7 8 9 10 11 12 13
14 15 16 17 18 19 20
21 22 23 24 25 26 27
28 29 30

SEPTEMBER
M

T
1
6 7 8
13 14 15
20 21 22
27 28 29

M
2
9
16
23
30

T
3
10
17
24
31

JUNE

F S
1 2
3 4 5 6 7 8 9
10 11 12 13 14 15 16
17 18 19 20 21 22 23
24 25 26 27 28 29 30
31

MARCH
S
1
8
15
22
29

W T F S
2 3 4 5
9 10 11 12
16 17 18 19
23 24 25 26
30

T F S
1 2 3
4 5 6 7 8 9 10
11 12 13 14 15 16 17
18 19 20 21 22 23 24
25 26 27 28 29 30 31

W T F S
1 2 3 4
5 6 7 8 9 10 11
12 13 14 15 16 17 18
19 20 21 22 23 24 25
26 27 28 29 30

JULY
2
9
16
23
30

T W T F S
1
3 4 5 6 7 8
10 11 12 13 14 15
17 18 19 20 21 22
24 25 26 27 28 29
31

NOVEMBER
S
1
8
15
22
29

AUGUST

W T F S
1 2 3 4
5 6 7 8 9 10 11
12 13 14 15 16 17 18
19 20 21 22 23 24 25
26 27 28 29 30 31

OCTOBER
S

APRIL

W T F S
4 5 6 7
11 12 13 14
18 19 20 21
25 26 27 28

DECEMBER

M T W T F S
2 3 4 5 6 7
9 10 11 12 13 14
16 17 18 19 20 21
23 24 25 26 27 28
30

T W
1 2
6 7 8 9
13 14 15 16
20 21 22 23
27 28 29 30

T F S
3 4 5
10 11 12
17 18 19
24 25 26
31

Current Date

Expiration Date on Coupon

1.

October 1

December 31

_________________

2.

May 15

August 15

_________________

3.

June 10

November 10

_________________

4.

February 15

November 30

_________________

5.

August 30

November 15

_________________

6.

January 2

June 28

_________________

7.

March 1

May 31

_________________

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Chapter 2, Lesson 9

22

3,268  9 
1
Write this:
363 
9 3
,2
6
8
 9
EXAMPLE

EXAMPLE

7,009  17 

Write this:

412 15
7
17 7
,0
0
9


68

20

17

39

34

5


27

56
 54

28

27

1

Remember to write the remainder over the divisor.

Directions Divide.
1. 6 5,
25
3

3. 9 3,
70
4

5. 27 17
,9
97


7. 9 3,
15
6

2. 9 3,
72
3

4. 7 6,
42
5

6. 19 6,
89
8

8. 21 11
,5
69


Directions Write these in the standard form and divide.

9. 25,761  14 

10. 65,412  25 

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Chapter 2, Lesson 10

23

EXAMPLE

B. Weeks per job
C. 49 percent

bottles
case
weeks

job
49

100



cases b
o
tt
le
s
job w
e
e
ks

.49
100 4
9
.0
0


Directions Rewrite each of the following expressions. Use the words

divided by to replace per. Then set up the division problems.
1. Windows per room

___________________________



2. Chairs per office

___________________________



3. Pickles per jar

___________________________



4. Crackers per box

___________________________



5. Seats per event

___________________________



6. Hours per job

___________________________



7. 35%

___________________________



8. Cost per ounce

___________________________



9. Windows per house

___________________________



___________________________



11. Oranges per case

___________________________



12. 70%

___________________________



13. Eggs per box

___________________________



14. Miles per town

___________________________



___________________________



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Chapter 2, Lesson 11

24

Division of Decimals
EXAMPLE

Write this:
Divisor

18.8  4 
4.7
4 1
8
.8


16

28

28


EXAMPLE
Quotient

Write this:

Dividend

0.832  1.6 

Steps to Remember

.52
.8
.3
2

1.6. 0

80

32

32


a. Move the decimal point

in the divisor to the right.
b. Move the decimal point
in the dividend the same
number of places.
c. Then place a decimal
point straight above it in
the quotient.

Directions Divide.
1. 7 39
.9


4. 12 32
.4


7. 0.10 0.
17


23
12


2. 6 4.
98


5. 3.1 14
.2
6

8. 2.7 5.
15
7

.4
5

3. 9 46
.8


6. 8.4 64
6.
8

9. 0.05 2.
5

93
27


Directions Write these in the standard form and divide.

13. 0.002184  0.0012  ____________

18. 0.07854  0.77  _______________

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Chapter 2, Lesson 11

25

EXAMPLE

Write this:

7  0.9 

EXAMPLE

Round to the nearest hundredth.

0.89  1.4 

0.635  0.64
7.77  7.8
Write this:
Zeros may be inserted
1.4 0
.8
0
90

.0
0
0
0.9 7
one
at
a
time
until
the

8
4

6
3


desired number of places
70
50
is
reached
for
rounding.

6
3
 42


70
80

63

70


7
10

Directions Divide. Round to the place indicated.

1. Tenth

.8 6

2. Tenth


18 20

3. Hundredth


75 15

4. Thousandth

7. Hundredth

9
6.8 6.

8
2.6 .2

5. Hundredth

8. Hundredth

65

3.8 7.

65

.31 2.

6. Tenth

8
.5 .4

9. Hundredth

4
.06 4.

10. Hundredth

3
7.2 .7

11. Hundredth

.4

10.2 14

12. One

08

.48 2.

Directions Write these in the standard form and divide. Round the
quotients to the nearest hundredth.
13. 10.2  15.2  __________________

14. 3.4  0.32  ___________________

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Period

Chapter 2, Lesson 12

26

EXAMPLE

Bennett compares different brands of a product to decide which

is the best buy. Which size has the lower unit price?
Brand A weighs 12.5 oz
Brand B weighs 22 oz

Its price is \$1.39

Its price is \$3.49
Step 2 Compare cost per pound.

Brand A

\$.111
12.5 1
.3
9


Brand B

\$.149
22 3
.2
9


Brand B unit price: 15 per oz

Brand A has the lower unit price. If the products are of equal
quality, then the best buy is A.

Directions Find the unit price of each product. Circle the lowest
unit price in each set. Use the back of the paper to list any patterns
you see in the exercises.
Product

1. Soup

10 oz, 139

14 oz, 169

18 oz, 189

46 oz, 309

2. Jelly

12 oz, \$1.69

14 oz, \$1.79

18 oz, \$1.99

48 oz, \$4.75

3. Peanut butter

12 oz, \$1.59

18 oz, \$1.99

26 oz, \$2.49

48 oz, \$3.29

4. Ketchup

12 oz, \$1.79

24 oz, 199

36 oz, 249

3lb, \$2.88

_____________ _____________ _____________ _____________

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Chapter 2, Lesson 13

27

Mentally Calculating the Bill

EXAMPLE

Luis, Marcus, and Juan all have dinner at the Pizza Restaurant.
The bill comes to \$30, which they decide to split 3 ways. They
also decide to give a 15% tip to the server. Find the tip and the
amount due from each diner.

Step 2 Divide by the number of diners.

Round to the nearest 10 cents.

\$30  10%  \$3
\$3  2 
1.50

\$4.50

\$34.50  3 = \$11.50

\$30 + \$4.50  \$34.50

Each person will pay \$11.50.

Directions Find the 15% tip for each bill. Add the tip to the bill to get
the total bill. Then divide by the number of diners to find out how much
each person will pay.
Amount of
the Bill

Number
of Diners

Estimate the
15% Tip

Total Bill
Plus Tip

Each Persons
Share

1.

\$20

___________

___________

___________

2.

\$48

___________

___________

___________

3.

\$120

___________

___________

___________

4.

\$60

___________

___________

___________

5.

\$180

___________

___________

___________

6.

\$210

___________

___________

___________

7.

\$320

___________

___________

___________

8.

\$78

___________

___________

___________

9.

\$63

___________

___________

___________

10.

\$159

___________

___________

___________

11.

\$82

___________

___________

___________

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Chapter 3, Lesson 1

28

EXAMPLE

Maria is starting her first job. She will be greeting the public
each day and needs appropriate clothes. She is lucky to find a
sale at her neighborhood clothes store. Maria bought 2
sweaters for \$15.00 each, and 3 blouses for \$20.00 each.
Maria lives in a state where the sales tax is 7%. What is her
total cost?

total cost.

Step 2 Multiply the cost by the sales tax rate.

Round to the next higher cent.
(Note: some states use rounding
to nearest cent, others raise to the
next cent.)

2 Sweaters @ \$15.00  \$30

3 Blouses @ \$20.00  
60

\$90
Step 3 Add the sales tax to the cost to find
the total amount Maria will pay.

\$90.00 Cost of clothes


.07 Tax rate

\$6.3000 Sales Tax  \$6.30

\$90.00 Cost of clothes


6.30 Sales Tax

\$96.30 Total Amount

Directions Find the cost of each set of purchases. Find the sales tax,
rounding to the next higher cent. Then add the sales tax to the cost to
find the total amount paid.

Shopper

Purchases

Cost of
Purchases

Tax Rate

1.

Rashi

sweater, \$40
slacks, \$20

7%

2.

Anna

coat, \$60
2 jeans, @ \$30

3%

3.

George

4 T-shirts, @ \$10.95
shorts, \$15.99

5%

4.

Thui

suit, \$120.00
2 shirts, @ \$29.95

5%

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Sales Tax

Total
Amount Paid

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Alternative Activity

Chapter 3, Lesson 2

29

EXAMPLE

Yoko is moving into her first apartment. She needs to buy a

refrigerator because her landlord does not supply one. She finds a
sale at a department store on the Internet. The refrigerator
regularly sells for \$700.00. It is now on sale for \$600.00. How
much did she save by using the sale price?
To find the amount saved, subtract the sale price from the
regular price.
\$700.00 Regular price

600.00 Sale Price
\$100.00 Amount Saved
Yoko saved \$100.00 on the sale price.

Directions Find the amount saved on the sale price.

Item

Regular Price

Sale Price

1.

Gas range

\$646.99

\$546.99

2.

Self-cleaning oven

\$543.99

\$440.99

3.

Energy-saver washer

\$759.99

\$609.99

4.

Dishwasher

\$229.99

\$187.88

5.

Large-capacity dryer

\$504.99

\$404.99

6.

Microwave oven

\$419.99

\$377.45

7.

Vacuum cleaner

\$329.88

\$225.99

8.

\$549.50

\$479.99

9.

Cooking pan set

\$775.00

\$519.99

10.

Toaster

\$79.99

\$69.00

11.

Coffeemaker

\$75.00

\$39.99

12.

Toaster oven

\$79.99

\$49.50

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Alternative Activity

Chapter 3, Lesson 3

30

EXAMPLE

EXAMPLE

0.50

2.5

Move the decimal point 0.50

two places to the right.

2.50

Write %

250%

50%

Write zeros
where necessary.

Directions Rename the following decimals as percents.

1. 0.04  ________________________

13. 0.051  _______________________

2. 12  _________________________

14. 10.63  _______________________

3. 0.2  _________________________

15. 8.84  ________________________

4. 2.21  ________________________

16. 1.7  _________________________

5. 0.152  _______________________

17. 0.3624  ______________________

6. 6.11  ________________________

18. 0.17  ________________________

7. 0.333  _______________________

19. 16.475  ______________________

8. 0.030  _______________________

20. 0.017  _______________________

9. 4.56  ________________________

24. 0.95  ________________________

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Alternative Activity

Chapter 3, Lesson 4

31

Computing the Sale Price

EXAMPLE

Leo buys a \$200 bracelet with a 25% discount. How much does he pay?

\$ 200.00

.75

\$150.00

Leo pays \$150.00.

Directions Use the shortcut method to compute the sales price in just
one written step. Round to the next higher cent.
Regular
Price

Discount

Sales Price

1. \$44.00

20%

____________

2. \$32.50

6%

3. \$14.98

Regular
Price

Discount

Sales Price

14. \$45.98

40%

____________

____________

15. \$325.00

33%

____________

30%

____________

16. \$4.95

5%

____________

4. \$37.15

15%

____________

17. \$16.32

20%

____________

5. \$52.98

10%

____________

18. \$46.60

18%

____________

6. \$105.17

25%

____________

19. \$23.45

48%

____________

7. \$41.40

14%

____________

20. \$23.42

16%

____________

8. \$75.15

45%

____________

21. \$8.15

5%

____________

9. \$36.99

20%

____________

22. \$6.89

7%

____________

10. \$56.95

30%

____________

23. \$143.01

20%

____________

11. \$124.99

30%

____________

24. \$6.56

10%

____________

12. \$159.99

33%

____________

25. \$31.54

16%

____________

13. \$17.99

44%

____________

26. \$325.98

25%

____________

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Alternative Activity

Chapter 3, Lesson 5

32

EXAMPLE

John and Elise want to buy some T-shirts to take on their trip.
John wants 2 short-sleeve T-shirts, 1 in blue and 1 in white. John
wears size L. Elise wants 2 long-sleeve T-shirts, 1 in white and 1 in
cherry. Elise wears size M. They order from this CoolGuy catalog.
CoolGuyT-shirts are great for traveling. Wash them and they dry
instantly! Mens sizes S, M, L, XL, XXL. Womens sizes XS, S, M, L, XL.
Mens CoolGuy T-shirts in Grey,
White, or Blue
Short-sleeve
#2286 \$24.50
Long-sleeve
#2285 \$29.50

White or Cherry
Short-sleeve
#5968 \$24.00
Long-sleeve
#5969 \$30.00

Directions Complete the order forms for John and Elise.

John
Item #

How Many

Color

Size

1.
2.
3.
4.

Description

Total of Merchandise
Shipping & Handling
Total Amount

5.

Amount

5.95

Elise
Item #

How Many

Color

Size

1.
2.
3.
4.
5.

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Description

Total of Merchandise
Shipping & Handling
Total Amount

Amount

5.95

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Alternative Activity

Chapter 3, Lesson 6

33

Renaming to the Simplest Form

8

5

EXAMPLE

8

5

1

6 74
6 74  6  74

1
5 8


5

3

Think:

EXAMPLE

6 74  6  1 34

Think:
1
3
4 7
 equals 1 4
4

3

3

5

Directions Rename each to the simplest form.

18
6

1.  

4
2

2. 16  

16
5

8.  

10
9

9. 45  

3.  

16
2

10.  

4.  

22
6

11.  

5.  

27
4

12.  

6.  

37
8

13.  

14
9

14.  

7.  

8
7

144
12

15. 25  

22.  

47
10

23.  

16.  

9
5

33
7

20
7

17. 26  

24. 19  

16
5

42
4

18.  

37
7

25. 4  

39
8

19.  

64
8

26. 4  

52
13

20.  

46
9

21.  

18
4

16
8

37
9

96
12

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Alternative Activity

Period

Chapter 3, Lesson 7

34

EXAMPLE

Express 58 as a fraction with a denominator of 24.

Step 1
5

8

 24

Step 2
53

83

Step 3

 24

53

83

Step 4

5
 12
4

5

8

Because 24  8  3, multiply 5 by 3.

5
 12
4

New fraction.

Directions Express each fraction in higher terms as indicated.

5
13

52

17.   

5
13

65

25.   

28

10.   

4
15

60

18.   

3
22

88

26.   

3.   

11.   
88

19.   
35

27.   

5
8

40

9.   

2.   

4
7

1.   

2
3

12

3
11

5
11

143

12.   

5.   

5
12

2
7

5
7

2
17

51

20.   

72

13.   

17
20

6.   

11
12

8
21

147

2
13

143

3
16

96

4
5

85

5
12

84

5
9

45

3
5

75

28.   

80

21.   

7
9

54

29.   

63

14.   
36

22.   

1
7

56

30.   

7.   
63

15.   
84

23.   

1
3

108

8.   

16.   

24.   

3
4

48

4.   

5
9

1
2

16

4
21

1
16

64

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Alternative Activity

Chapter 3, Lesson 8

35

EXAMPLE

10 15  4 25 
10 15

Write this:

 4 25

14 35

12 27  2 13

4

EXAMPLE

Write this: 12 27  12 14

4
 2 13
 2 13
4
4

7
14 1
4

numerators.

Find the least common

 14 12

Simplify to the
lowest terms.

1.

10 18
3
 4 
8


2.

16 116

10 45

7
 4 
9


3

4
5


8


13.

7

15
19
 
30


10.

6 110

14.

4 16

7
 2 
10


2

9


7.

9 12

2

3
2


3


1
 6 
6


4 58

12.

3

16


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7 15

15.

3
 6 
4



8.

17 12

11.

 6


6 19

3 59

6.

 3

4.

9.

3
 3 
4


1
 2 
16


3.

2 12

5.

2
 3 
3


3 78

16.

7

16


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Alternative Activity

Chapter 3, Lesson 8

36

Subtraction of Fractions
EXAMPLE

6 19
 2 13

0
0
6 19
0

Write this:

4 15
 1 23

2
4

EXAMPLE

If the denominators are

the same, then subtract

0
Write this: 4 15
 4 12
2
4

the numerators.
 2 13
0

Simplify to the
4 16
 4 35 lowest terms.
0

Find the least common

denominator. Then subtract.

 1 23
 1 23
4
4

7
3 2
4

1.

2.

5

7
2
 
7


8 1113

6.

5 78

9 178

8.

6 1176
3
 5 
4


12 137

5
 6 
1
6


 8



11 190
4
 8 
5


17.

35 78
18


18.

15 176
 6



7 175

14.

9
 5 
3
0


3

8


11 78

9 78

13.

10.

16.

5
 1 
3
3



3 57

8 131

12.

 2

9.

13 58
3
 7 
6


6
 2 
1
0


6
 1 
1
8


5.

6 45

7.

3
 3 
4


4.

11.

1
 8 
6


1
 6 
1
3


3.

32 13

15.

14 58
3
 3 
6


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Alternative Activity

Chapter 3, Lesson 8

37

Subtraction with Renaming

EXAMPLE

5 35  3 45 

Write this: 5

3

5

5
5

Remember 1  ,

 4 58
 3 45

1 45

8
5

3
5

5
5

so     .

Directions Subtract. Rename when necessary. Simplify your answers to the lowest terms.
1.

2 25

6.

 1 35

2.

4 38

7.

12 13

8.

40 110

38 158
 6 89


12.

9.

8 125

13.

15 156
 9 78


18 16
 9 14


14.

 7 15

10.

16 151

8 78
 89


17.

 9 161


 4 130


36160

5.

16 19

16.

 7 252


 6 2201


 7 34

4.

36 134

8 121

11.

 8 35


 3 78

3.

47 130

7 156
 6 78


18.

4 23
 2 34


10 16
 9 38


15.

17 13
15 45


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Alternative Activity

Period

Chapter 3, Lesson 9

38

Multiplication of Decimals
21.2  0.25 

EXAMPLE

1

2

3

21.2

.25

1 060

4 24

5.300

Write this:

EXAMPLE

Write this:

Decimal place
Decimal places
Decimal places to be

0.44  0.002 
.44

.002

.00088

Sometimes it becomes

counting from right to left.

the left.

Directions Multiply.
1.

7.8

3.2


4.

3.79

5.6


7.

60.84

40.6


2.

12.5

.16


5.

70.9

8.60


8.

0.789

.007


3.

9.16
 .37


6.

7.801
 9.6


9.

8.09
 .009


Directions Write these in vertical form and multiply.

10. 6.089  7.5 

__________________

11. 4.9  0.008 

__________________

16. 0.998  26.7 

_________________

12. 0.001  0.32 

_________________

________________

18. 30.09  0.53 

_________________

13. 67.8  4.4 

___________________

14. 9.607  0.008 

________________

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Alternative Activity

Chapter 3, Lesson 10

39

Using a Charge Account

EXAMPLE

Ryan has bought supplies for her floral shop on her credit card.
She owes \$400.00. The minimum payment due is \$40.00. Ryan
decides to pay \$100.00. That is more than her minimum so that
she can pay it off faster. Ryans interest charge per month is 0.9%
of the unpaid balance. How much will she owe next month if
she makes no new purchases?

Step 1 Subtract the payment Step 2 Find the interest on Step 3 Add the interest to
from the balance to
the unpaid balance.
the unpaid balance
find unpaid balance.
to find the new
balance.
\$400.00 Balance

100.00 Payment
\$300.00 New Balance

\$300.00
 .009

\$ 2.70

\$300.00

2.70

\$302.70

Ryan now owes \$302.70 on her charge account.

Directions Find the interest and new balance on these charge accounts.
Balance

Payment

Unpaid
Balance

Interest Rate
per Month

1.

\$80.00

\$10.00

1.2%

2.

\$120.00

\$100.00

1.5%

3.

\$450.00

\$45.00

2%

4.

\$825.00

\$25.00

0.9%

5.

\$56.00

\$2.80

1.4%

6.

\$143.00

\$7.15

1.5%

7.

\$253.00

\$12.65

1.6%

8.

\$167.00

\$8.35

2.0%

9.

\$52.70

\$2.64

1.5%

10.

\$152.89

\$7.64

1.5%

11.

\$376.14

\$18.00

1.3%

12.

\$985.09

\$49.00

1.5%

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Interest

New Balance

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Alternative Activity

Chapter 3, Lesson 11

40

Using a Layaway Plan

EXAMPLE

Kareem has put a 20% deposit on a set of cooking pans that cost
\$300.00. He will pay 25% of the balance for the next 4 months
and then he will be able to take the cooking pans home. How
much will he pay each month?

Step 1 Find the deposit. Round the amount to

the nearest cent.

to be paid.

\$300.00

.20

\$ 60.00

\$300.00

60.00

\$240.00

Step 3 Find the amount of each layaway payment.

\$ 60.00
4 \$
2
4
0
.0
0

Kareem will make a \$60.00 deposit and pay 4 layaway payments of
\$60.00 each. Then he will take his cooking pans home.

Directions Find the deposit and monthly payment for each 4-month
layaway plan with 20% deposit.
Item

1. Carpet

Price

Deposit Amount

Remainder Due

Payment Amount

\$500.00

2. Network router \$100.00

3. Cordless drill

\$120.00

4. Table saw

\$1,000.00

5. Bird bath

\$160.00

6. Car stereo

\$250.00

7. Camping tent

\$180.00

8. Sleeping bag

\$75.00

9. Mattress

\$225.00

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Alternative Activity

Chapter 4, Lesson 1

41

Renting a Home
EXAMPLE

Renters Rule You should spend no more than one weeks

income for a months rent. Jasmine earns \$3,600 per month.
What is the maximum amount that she should pay for rent?
There are about 4.3 weeks in each month. To estimate Jasmines
weekly income, divide her monthly income by 4.3.
\$837.21
4.3 \$
3
,6
0
0
.0
0

Jasmine can afford to spend about \$838 dollars per month for rent.

Directions Use the renters rule to find the maximum amount that
should be spent for rent with each of these incomes. Remember that 1
year equals 12 months or 52 weeks. Round answers to the nearest dollar.
Renter

Income

Maximum Amount for Rent

1. Ryan

\$1,833 monthly

__________________

2. Taylor

\$1,300 monthly

__________________

3. Tim

\$1,460 monthly

__________________

4. Dana

\$5,639 monthly

__________________

5. Lauren

\$1,500 biweekly

__________________

6. Brandon

\$4,580 per month

__________________

7. Megan

\$5,167 monthly

__________________

8. Dylan

\$1,890 every two weeks

__________________

9. Brianna

\$2,405 monthly

__________________

10. Zachary

\$3,817 monthly

__________________

11. Olivia

\$2,769 monthly

__________________

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Chapter 4, Lesson 2

42

EXAMPLE

Bankers Rule You may borrow up to 2.5 times your annual

income. Luis is buying a home. His monthly income is \$4,000.
What is the maximum amount that he may borrow?

Step 1 Find annual income

\$ 4,000 monthly income

12 months in a year

\$48,000 annual income

\$48,000

2.5

\$120,000

Luis may borrow up to \$120,000.

Directions Use the Bankers Rule to find the maximum amount that
may be borrowed with each of these incomes. Remember that 1 year
equals 12 months or 52 weeks. Round answers to the nearest dollar.

Income

Annual Income

Maximum Able to Borrow

1. Ryan

\$22,000 annually

_____________

_____________________

2. Taylor

\$1,700 every two weeks _____________

_____________________

3. Tim

\$1,450 monthly

_____________

_____________________

4. Dana

\$5,639 monthly

_____________

_____________________

5. Lauren

\$1,500 biweekly

_____________

_____________________

6. Brandon

\$4,580 per month

_____________

_____________________

7. Megan

\$62,000 annually

_____________

_____________________

8. Dylan

\$1,890 every two weeks _____________

_____________________

9. Brianna

\$2,405 monthly

_____________

_____________________

10. Zachary

\$45,800 annually

_____________

_____________________

11. Olivia

\$2,769 monthly

_____________

_____________________

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Chapter 4, Lesson 3

43

EXAMPLE

Jada decided on a house to purchase. The price is \$217,000.

What is her 15% down payment? How much is left to mortgage?

\$ 217,000

.15

\$32,550.00

Step 2 Find amount to mortgage

\$217,000

32,550

\$184,450

Jadas down payment will be \$32,550. She will have a mortgage of \$184,450.

Directions Find the amount of the down payment and the amount
of the mortgage for each house.
Cost of House

Rate of
Down Payment

Down Payment

Mortgage

1.

\$90,000

10%

_________________

__________________

2.

\$150,000

15%

_________________

__________________

3.

\$155,700

20%

_________________

__________________

4.

\$159,900

30%

_________________

__________________

5.

\$164,500

10%

_________________

__________________

6.

\$176,000

5%

_________________

__________________

7.

\$179,900

20%

_________________

__________________

8.

\$191,000

15%

_________________

__________________

9.

\$195,995

22%

_________________

__________________

10.

\$199,900

19%

_________________

__________________

11.

\$235,000

10%

_________________

__________________

12.

\$279,900

20%

_________________

__________________

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Period

Chapter 4, Lesson 4

44

Paying Mortgages
EXAMPLE

K.G. obtained a \$143,000, 20-year balloon mortgage

at 11% for 5 years. How much does K.G. still owe
after five years?
Mortgage

Rate

Term in Years

\$143,000

11%

20

Percentage of Mortgage
Principal Left After 5 Years

Step 1 Look in the table. Find the percentage at

11% for 20 years. The percentage is 90.8%.
Step 2 Multiply \$143,000 by 90.8%
\$143,000

.908

1 144 000
00 000 00
128
700 0

\$129,844.00
The principal remaining at the end of his 5-year
balloon mortgage is \$129,844.00.

Rate
10%
10.5%
11%
11.5%
12%
12.5%
13%
13.5
14%
14.5
15%
15.5%
16%

Term
20 Yrs.
30 Yrs.
96.6%
89.8%
96.9%
90.3%
97.2%
90.8%
91.3%
97.4%
91.7%
97.7%
92.2%
97.9%
98.1%
92.6%
98.3%
93.1%
93.4%
98.4%
98.6%
93.7%
98.7%
94.1%
98.8%
94.4%
99%
94.7%

Directions Compute the principal remaining at the end of each 5-year balloon mortgage.
Term in Remaining
years
Principal

Mortgage

Rate

Mortgage

1. \$120,000

13%

20

__________

9. \$210,000

2. \$560,000

10%

20

__________

3. \$98,000

15%

30

4. \$131,000

16%

5. \$55,000

Rate

Term in Remaining
years
Principal

11.5%

20

__________

10. \$178,000

15%

30

__________

__________

11. \$129,000

16%

20

__________

30

__________

12. \$144,000

15%

20

__________

11.5%

30

__________

13. \$176,000

10%

20

__________

6. \$108,000

16%

20

__________

14. \$99,000

10.5%

30

__________

7. \$97,000

14%

20

__________

15. \$154,000

11%

20

__________

8. \$168,000

14.5%

30

__________

16. \$87,000

12.5%

30

__________

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Period

Chapter 4, Lesson 5

45

EXAMPLE

Mortgage

Rate

Term in Years

\$125,000

6%

30

Step 1 Look in the table. The payment at

6% for 30 years is \$6.00.
Step 2 \$ 6.00 Payment for \$1,000

125 (Loan is \$125,000)

\$750.00 Payment for \$125,000
Step 3

12 Months
 30 Years

360 Months in 30 years

750.00 Payment for 1 month

Step 4 \$

360 Months

\$270,000.00 Total payment

Monthly Payment to Amortize

(Repay) a Loan of \$1,000
Rate
5.50%
5.75%
6.00%
6.25%
6.50%
6.75%
7.00%
7.25%
7.50%
7.75%

20 Yrs.
6.88
7.02
7.16
7.31
7.46
7.60
7.75
7.90
8.06
8.21

Term
25 Yrs.
6.14
6.29
6.44
6.60
6.75
6.91
7.07
7.23
7.39
7.55

30 Yrs.
5.68
5.84
6.00
6.16
6.32
6.49
6.65
6.82
6.99
7.16

Directions Compute the total payment for each of these mortgage loans.
Mortgage Rate

Term
in years

Total
Payment

Mortgage Rate

Term
in years

Total
Payment

1. \$235,000

6%

30

__________

11. \$208,000

6%

30

__________

2. \$230,000

7%

30

__________

12. \$208,000

6.75%

30

__________

3. \$74,000

6%

30

__________

13. \$157,000

5.50%

30

__________

4. \$84,000

7%

30

__________

14. \$146,000

6%

25

__________

5. \$150,000

7%

25

__________

15. \$146,000

6%

20

__________

6. \$150,000

7.25%

25

__________

16. \$136,000

7%

25

__________

7. \$202,000

7%

25

__________

17. \$136,000

7%

30

__________

8. \$202,000

7.75%

25

__________

18. \$365,000

6%

25

__________

9. \$356,000

6%

25

__________

19. \$365,000

6%

30

__________

10. \$856,000

7%

30

__________

20. \$185,000

6%

25

__________

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Chapter 4, Lesson 6

46

EXAMPLE

A
2
3

1 0 9
4 5 6

B
8
7

8
7

9 0 1
6 5 4

C
2
3

2
3

1 0 9
4 5 6

D
8
7

8
7

9 0 1
6 5 4

2
3

Begin with dial A. Read the number that the pointer has just
passed. Then read dial B. If the pointer is between numbers take
the lower number. Even though the pointer appears to be exactly
on a number, read the next lower numberunless the pointer to
its right has passed zero. Dials C and D are read in the same way
as dial B.

Directions Record the readings on these sample utility meters.

1.

2
3

2.

2
3

3.

4.

5.

2
3

2
3

2
3

1 0 9
4 5 6
1 0 9
4 5 6
1 0 9
4 5 6

1 0 9
4 5 6
1 0 9
4 5 6

8
7

8
7

8
7

8
7

8
7

8
7

8
7

8
7

8
7

8
7

9 0 1
6 5 4
9 0 1
6 5 4
9 0 1
6 5 4

9 0 1
6 5 4
9 0 1
6 5 4

2
3

2
3

2
3

2
3

2
3

2
3

2
3

2
3

2
3

2
3

1 0 9
4 5 6
1 0 9
4 5 6
1 0 9
4 5 6

1 0 9
4 5 6
1 0 9
4 5 6

8
7

8
7

8
7

8
7

8
7

8
7

8
7

8
7

8
7

8
7

9 0 1
6 5 4
9 0 1
6 5 4
9 0 1
6 5 4

9 0 1
6 5 4
9 0 1
6 5 4

2
3

2
3

2
3

2
3

2
3











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Chapter 4, Lesson 7

47

EXAMPLE

28,664  7,513 

Write this: 28,664

 7,513

21,151

Minuend
Subtrahend
Difference or Remainder

Directions Subtract.
1. 778  55  ___________________

4. 2,007  719 

________________

5. 6,278  782 

________________

11. 97,512  63,496  _____________

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Chapter 4, Lesson 8

48

Telephone Bills
EXAMPLE

Telephone bills are a total of charges for various services plus taxes.
Find the total monthly bill for the following charges: flat rate:
\$21.10; caller ID: \$5.15; long distance \$24.80; and taxes: \$5.24.
\$21.10
5.15
24.80

5.24

\$56.29
The total monthly telephone bill is \$56.29.

Directions Find the total telephone bill for the services listed below.
Flat Rate

Optional
Services

Long
Distance

Taxes

Monthly Bill

1. \$18.90

\$20.25

\$5.18

\$2.35

_______________

2. \$21.31

\$2.50

none

\$2.45

_______________

3. \$55.21

\$3.87

\$10.42

\$2.60

_______________

4. \$32.78

none

\$55.89

\$8.21

_______________

5. \$10.11

\$14.50

\$101.52

\$15.76

_______________

6. \$19.32

\$12.68

none

\$0.94

_______________

7. \$20.20

\$31.98

\$23.74

\$10.54

_______________

8. \$25.76

none

\$14.89

\$1.62

_______________

9. \$18.93

\$9.40

\$1.22

\$.86

_______________

10. \$22.90

\$6.73

\$4.23

\$1.83

_______________

11. \$18.70

\$32.98

\$6.20

\$2.24

_______________

12. \$17.56

none

\$8.12

\$1.74

_______________

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Period

49

Chapter 4, Lesson 9

Mortgage Insurance
EXAMPLE

Marilee Parker had a \$60,000 mortgage for a term of 20 years.

She died in the 15th year. Use the chart below to find the benefit
of her mortgage insurance.
Percent of Mortgage Covered
Policy Year in
which Death
Occurs

30 Year
Term

25 Year
Term

20 Year
Term

15 Year
Term

10 Year
Term

1
5
10
15
20
25
30

100%
94%
84%
71%
55%
34%
7%

100%
92%
77%
59%
36%
7%

100%
88%
67%
41%
8%

100%
80%
49%
9%

100%
66%
12%

For a 20 year term mortgage,
the benefit in the 15th year is 41%

\$60,000

.41

\$24,600

Directions Find the amount paid by the insurance company in each

of these situations.
Policy Year in Which
Death Occurs

Term of
Mortgage

Amount of
Mortgage

Benefit Paid

1.

15

30

\$40,000

________________

2.

10

15

\$20,000

________________

3.

15

25

\$35,000

________________

4.

20

30

\$64,500

________________

5.

10

10

\$28,900

________________

6.

30

30

\$145,600

________________

7.

25

\$47,800

________________

8.

10

\$98,700

________________

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Chapter 4, Lesson 10

50

EXAMPLE

Write this:

20% of 400 
400

.20

80.00

EXAMPLE

Write this:

4.2

.075

210

294

0.3150

Directions Find the percentage in the following problems.

1. 10% of 40  ___________________

14. What is 80% of 100? _____________

3. 3.6% of 25  ___________________

16. What is 35% of 100? _____________

5. 30% of 90  ___________________

24. What is 2% of 897? ______________

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Chapter 5, Lesson 1

51

EXAMPLE

327  211  30 

Write this:

327
211

30

568

Sum

1. 12  32  295  
2. 9  80  56  14  
3. 14  52  6  107  
4. 729  351  486  
5. 932  657  96  
6. 173  15  29  2  
7. 143  2,095  888  
8. 946  201  7,385  
9. 6,731  8,049  523  
10. 9,657  9,083  82,645  
11. 177  4,758  7,347  
12. 197  650  3,067  
13. 1,097  8,487  91,263  
14. 36,009  78,360  930,700  
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Chapter 5, Lesson 2

52

EXAMPLE

Sean pays a \$1,000.00 down payment for his car. He agrees to

pay \$95.00 per month for 3 years. How much money does he
pay for the car?
Step1

3 years  12  3  36 months

Step 2 36 months  \$95.00 per month  \$3,420.00

Step 3 \$3,420.00  \$1,000.00 down payment  \$4,420.00
total cost of car.

1. Liz buys a \$14,500 car with a \$1,500 trade-in. How much more

money does she pay?

2. Jon agrees to pay \$374.00 per month for his car. How much

will he pay in 14 months?

3. Tamikas car has a sale price of \$12,679. How much money

is accepted, how much money will you save?






(whichever comes first). He bought the car on January 7

with 25,123 miles. On February 7, the odometer reads 29,379.
Is the guarantee still in effect? How do you know?
6. The car Francesca wants to buy has a list price of \$9,995.07.

The dealer will sell it at 8% off. How much must she pay?




\$101.00, transportation \$75.60, undercoat \$259.99, 60-day

guarantee \$176.00, tape deck \$84.10. What is the final cost?

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Chapter 5, Lesson 3

53

Financing a Car
EXAMPLE

Carlos purchased a car for \$34,000 and financed the

payments. After paying \$6,000 down payment, he financed
the rest for 60 months at \$500 per month. What was the
deferred price of Carlos car? How much interest did he pay?

payments

\$ 500 Monthly Payment


60 Months

\$30,000 Total Monthly Payments

\$ 30,000 Total Monthly Payments


6,000 Down Payment

\$ 36,000 Deferred Price

Step 3 Subtract to find Interest Paid

\$ 36,000 Deferred Price
 34,000 Cash Price

\$ 2,000 Interest Paid
The deferred price of Carlos car is \$36,000 and the total interest paid is \$2,000.

Directions Find the total monthly payment, the deferred price and the interest paid.
Cash
Price

Down
Payment

Payment to Pay
Payments

Deferred
Price

Interest
Paid

1. \$18,000

\$5,000

\$250.00

60

2. \$25,000

\$2,000

\$400.00

60

3. \$12,500

\$1,200

\$231.00

72

4. \$24,000

\$3,000

\$485.00

48

5. \$18,500

\$2,000

\$444.83

48

6. \$22,800

\$4,500

\$395.33

72

7. \$24,900

\$3,500

\$449.05

60

8. \$16,250

\$1,250

\$389.80

48

9. \$18,060

\$3,000

\$275.76

72

10. \$24,750

\$6,000

\$543.98

48

___________ __________ __________

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Period

54

Chapter 5, Lesson 4

EXAMPLE

Sarah, who is 18 years

old, wants coverages 1B,
2A, and 3D. She has had
one moving violation.
from the chart.

Step
Step
Step
Step
Step
Step

1
2
3
4
5
6

Liability

Collision
(Deductible)

Medical
Payments

Property
Damage

Comprehensive
Fire & Theft

\$25K/50K
\$533.10

\$500
\$208.70

\$500
\$034.80

\$10,000
\$212.80

\$500 Ded.
\$019.80

\$50K/100K
\$607.40

\$300
\$281.70

\$1,000
\$053.60

\$20,000
\$217.90

\$300 Ded.
\$056.90

Accidents and
Moving Violations

\$100K/150K
\$649.30

\$250
\$302.40

\$2,000
\$070.20

\$30,000
\$222.40

\$250 Ded.
\$061.30

\$100K/200K
\$664.90

\$150
\$340.80

\$3,000
\$092.90

\$50,000
\$229.60

\$150 Ded.
\$127.60

1 = +30%
2 = Refuse policy

\$150K/300K
\$703.20

\$100
\$378.50

\$5,000
\$107.10

\$75,000
\$234.10

\$0.00 Ded.
\$158.80

Rating Factors:
Age
Under 20 = +30%
20 24 = +10%
25 64 = +0%
Over 64 = +10%

1B  \$607.40; 2A  \$208.70; 3D  \$92.90

\$607.40  \$208.70  \$92.90  \$909.00
Rating factors: Age  30%; Moving violations  30%
30%  30%  60%
\$909.00  0.60  \$545.40
\$909.00  \$545.40  \$1,454.40 (Sarahs annual premium)

Coverages

1.
2.
3.
4.
5.
6.
7.
8.
9.

1B, 2B, 3E, 4A

1E, 2A, 3C, 4E
1A, 2C, 4C, 5C
1D, 2D, 4B, 5E
1C, 3E, 4E, 5E
1D, 2A, 3E, 5E
1E, 2C, 4A, 5D
1C, 2B, 3E, 4B
1B, 2D, 4C, 5E

Age

Accidents and
Moving Violations

Annual

22
30
50
23
33
36
18
62
60

2
0
1
0
1
0
1
0
1



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




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

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Alternative Activity

Chapter 5, Lesson 5

55

EXAMPLE

3 5 2 1 8 8 5

Step 1 Place the decimal point and a comma in the number.

352,188.5

Step 2 Write the number in words.

The reading is three hundred fifty-two thousand,
one hundred eighty-eight and five tenths miles.

Directions Write the odometer reading in words.

1. 0 5 5 7 8 3 1
2. 1 4 2 9 2 4 3
3. 0 2 4 4 7 6 1
4. 0 0 0 2 6 8 3

______________________________________________________
______________________________________________________
______________________________________________________
______________________________________________________
______________________________________________________
______________________________________________________
______________________________________________________
______________________________________________________

Directions Round to the nearest thousand miles. Write the number in words.
5. 0 6 8 2 2 3 9
6. 1 9 8 8 7 5 0
7. 0 0 8 7 6 0 7
8. 1 3 2 5 5 4 1

______________________________________________________
______________________________________________________
______________________________________________________
______________________________________________________
______________________________________________________
______________________________________________________
______________________________________________________
______________________________________________________

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Alternative Activity

Period

Chapter 5, Lesson 6

56

Average Miles Driven per Year

EXAMPLE

1161775 1 1 6 1 7 7 5
Baileys odometer reads 116177.5. Her car is 5 years old.
Find the average number of miles she drove per year.
Round to the nearest mile.
23,235.5 23,236 miles
5 1
1
6
,1
7
7
.5

Bailey drove an average of 23,236 miles per year.

Directions Find the average number of miles driven per year for each car.
1.
2.
3.
4.
5.
6.
7.

0
0
0
0
1
0
0

0
0
9
3
4
6
5

4
3
8
7
3
6
7

6
6
6
8
6
7
3

6
7
7
4
8
4
1

9
4
3
1
4
2
5

1
8
4
4
9
6
8

Average Number of Miles

2
4
7
2
10
6
5

___________________
___________________
___________________
___________________
___________________
___________________
___________________

8.
9.
10.
11.
12.
13.
14.

1
0
0
1
0
0
0

0
0
0
5
0
8
1

3
9
2
7
0
9
4

7
8
7
3
8
6
3

8
7
3
9
3
4
5

2
3
8
8
7
6
7

8
5
0
2
1
3
6

Average Number of Miles

8
6
3
9
2
5
5

___________________
___________________
___________________
___________________
___________________
___________________
___________________

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Alternative Activity

Chapter 5, Lesson 7

57

EXAMPLE

Samuels odometer reads 367822.1 at the beginning of a trip.

At the end, it reads 367953.2. How far did Samuel travel?
Round the answer to the nearest mile.
To find the distance, subtract the beginning reading from the
367,953.2

367,822.1

131.1
Samuel traveled 131 miles.

Directions Find the number of miles traveled. Round to the nearest mile.
Beginning

End

Miles Traveled

1. 106143.9

106995.9

___________________

2. 240336.8

241557.8

___________________

3. 004387.6

004999.5

___________________

4. 101113.6

101255.7

___________________

5. 034463.2

036672.7

___________________

6. 165447.0

166899.0

___________________

7. 101567.6

102887.0

___________________

8. 003778.5

005822.8

___________________

9. 128345.9

130539.7

___________________

10. 044869.7

047822.5

___________________

11. 091073.4

096389.1

___________________

12. 066937.7

070387.7

___________________

13. 003955.7

004473.0

___________________

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Period

Chapter 5, Lesson 8

58

Division of Whole Numbers Without Remainders

EXAMPLE

Write this:

548  4 
137
4
8

4 5
4

14

12

28
 28


EXAMPLE
Quotient

Write this:

Dividend

2,592  8 
324
,5
9
2

8 2

24

19

16

32

32


Directions Divide.
1. 9 2,
88
9

4. 8 3,
12
8

7. 17 5,
18
5

2. 4 2,
05
2

5. 7 4,
36
1

8. 15 1,
59
0

3. 7 1,
44
2

6. 8 4,
18
4

9. 28 7,
67
2

Directions Write these in the standard form and divide.

10. 8,316  462 

11. 3,852  36 

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Period

Chapter 5, Lesson 9

59

Multiplication of Whole Numbers

EXAMPLE

245  23 

Write this:

245

23

735

4 90

5,635




Factors
Partial Products
Product

Directions Multiply.
1.

221
 3


5.

316
 47


9.

367
 82


2.

293

12


6.

856

17


10.

2,509

16


3.

986

37


7.

118

72


11.

7,096

37


4.

401

13


8.

842

24


12.

8,500

94


13. 3,197  48 

14. 3,472  671 

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Alternative Activity

Chapter 5, Lesson 10

60

EXAMPLE

Jordan is planning a 495-mile trip. His cars EPA rating is 31 mpg

on the highway. How many gallons of gas will he require for this
trip? Round to the nearest gallon.
15.9  16 gallons needed for the trip
31 4
9
5
.0
 Miles
Jordan will need about 16 gallons of gas for this trip.

Directions Find the amount of fuel needed for each trip. Round your
Distance

Mileage Rating

Amount of Fuel

1.

120 miles

20 mpg

_________________

2.

294 miles

21 mpg

_________________

3. 1,235 miles

19 mpg

_________________

4.

387 miles

15 mpg

_________________

5.

446 miles

18 mpg

_________________

6.

968 miles

22 mpg

_________________

7. 1,155 miles

35 mpg

_________________

8.

488 miles

24 mpg

_________________

9.

316 miles

16 mpg

_________________

10. 1,024 miles

34 mpg

_________________

349 miles

36 mpg

_________________

12. 5,278 miles

28 mpg

_________________

13.

472 miles

14 mpg

_________________

14.

885 miles

40 mpg

_________________

11.

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Alternative Activity

Chapter 5, Lesson 11

61

Computing Average Speed

EXAMPLE

Francine drives 220 miles in 7 hours and 24 minutes. Find her average rate of
speed.

Step 1 Convert minutes to a

decimal part of an hour
by dividing by 60.

.4 Hours
60 2
4
.0
 Minutes

decimal number.

7 hours and 24 minutes 

7 hours  .4 hours  7.4 hours

7.4 2
2
0
.0


Francines average rate of speed is 30 miles per hour.

to the nearest mile per hour.
Distance

Time

Average Speed

1.

120 miles

3 hours

__________________

2.

230 miles

5 hours

__________________

3. 1,294 miles

30 hours, 30 minutes

__________________

4.

387 miles

12 hours, 50 minutes

__________________

5.

446 miles

17 hours, 48 minutes

__________________

6.

968 miles

22 hours, 15 minutes

__________________

7. 1,097 miles

27 hours, 30 minutes

__________________

8.

488 miles

14 hours, 42 minutes

__________________

9.

316 miles

7 hours, 36 minutes

__________________

10.

324 miles

9 hours, 55 minutes

__________________

11.

380 miles

12 hours, 6 minutes

__________________

12.

208 miles

4 hours, 12 minutes

__________________

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Period

Chapter 5, Lesson 12

62

EXAMPLE

Emily Elizabeth plans a trip of 955 miles. She expects to be

able to average 55 miles per hour. How much time should
Emily Elizabeth expect the trip to take?

Step 1 Divide the miles by the average speed.

Round to the nearest hundredth of an hour.

17.36 Hours
55 9
5
5
.0
0
 Miles

Step 2 Convert the decimal part of the quotient

to minutes by multiplying it by 60.

.36 Hour
 60 Minutes per hour

21.6  22 minutes

Distance

Average Speed

Estimated Time for Trip

1.

140 miles

20 mph

__________________

2.

175 miles

50 mph

__________________

3.

342 miles

50 mph

__________________

4.

85 miles

35 mph

__________________

5.

469 miles

55 mph

__________________

6.

308 miles

51 mph

__________________

7.

232 miles

33 mph

__________________

8.

455 miles

50 mph

__________________

9.

678 miles

45 mph

__________________

10.

792 miles

36 mph

__________________

11.

403 miles

42 mph

__________________

12.

908 miles

46 mph

__________________

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Period

Chapter 5, Lesson 13

63

EXAMPLE

Simone has \$10.00. She wants to buy gas at \$1.099.

How many gallons can she buy?

\$1.099  1.099

Step 2 Divide the amount of money

by the price of one gallon of gas.

1.099 1
0
.0
0


Simone may purchase 9.1 gallons.

Directions Find the amount of gas you can buy with each amount of money.
Amount of
Money

Cost per Gallon

of Gasoline

Gallons of gas

1.

\$10.00

\$1.189

_______________

2.

\$20.00

\$1.339

_______________

3.

\$50.00

\$0.999

_______________

4.

\$14.00

\$1.359

_______________

5.

\$25.00

\$1.179

_______________

6.

\$5.00

\$1.089

_______________

7.

\$31.00

\$0.989

_______________

8.

\$12.00

\$1.019

_______________

9.

\$10.00

\$1.029

_______________

10.

\$15.00

\$1.429

_______________

11.

\$25.00

\$1.349

_______________

12.

\$22.00

\$1.029

_______________

13.

\$40.00

\$1.119

_______________

14.

\$26.00

\$1.479

_______________

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Chapter 5, Lesson 14

64

Repairing Cars
EXAMPLE

Erika Jones had the PCV valve and rear

wheel bearings replaced on her car.
To find her total bill, you must:

Erika Jones
23
NAME 
DATE Oct.

3309 Mace St., Baltimore
PARTS

\$ PRICE

PCV valve

\$7 50

HOURS

DESCRIPTION

.4

Rear wheel

Step 2 Find the price of parts and hours

worked from the flat rate chart.

45 62

1.1

wheel bearings

MECHANICAL LABOR

F R I E N D LY M OTO R S

PARTS

SALES, SERVICE, & PARTS

AUTHORIZED DEALER

LABOR

\$24 00

Replace rear

bearings

Step 3 Multiply hours of labor times \$60,

and compute the sales tax of 6%
on the parts only.

21206
ZIP CODE 

SALES TAX
TOTAL

66 00

\$90

00

53

12

19

\$146

31

Flat Rate Chart

Time
(in hours)
.4
2.1
.5
1.7
1.5
.7

Repairs
Parts
Replace PCV valve
\$227.50
Complete tune-up
127.80
0
Fix gas tank leak (sealant)
15.00
Tighten steering wheel
0
Recharge air conditioner and
check for leaks (refrigerant)
30.00

Directions Fill out a car repair

order form for this repair. Charge
\$60 per hour for labor and 6% sales
tax. Do not charge sales tax on labor.
Make up an address and date.

Time
(in hours)
5.2
1.5
2.5
.7
.7
3.1
1.1

Repairs
Replace clutch
Install roof rack
Align the front end
Replace muffler, tail pipe
Carburetor overhaul
Replace rear wheel bearings

Parts
180.80
32.95
126.85
0
160.00
0
45.62

PARTS

\$ PRICE

HOURS

DESCRIPTION

LABOR

Install roof rack

Align the front end
Replace rear wheel bearings
FRIENDLY MOTORS
SALES, SERVICE, & PARTS
AUTHORIZED DEALER

MECHANICAL LABOR
PARTS
SALES TAX
TOTAL

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Alternative Activity

Chapter 6, Lesson 1

65

Calorie Counting Chart

Day

Breakfast

Cal

Lunch

Cal

Dinner

Cal

Snacks

Cal

Activities

Total
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Alternative Activity

Chapter 6, Lesson 2

66

Renaming to Lowest Terms

EXAMPLE

6

10

62
3
  

10  2
5

3 16
 3  16
 3  35  3 35
0
0

EXAMPLE

Divide the numerator and the

denominator by 2 because 2
is a common factor of 6 and 10.

Rename 16
as shown in
0
the first example.

Directions Rename each fraction to the lowest terms.

4
8

1.  

4
6

2. 1  

9.  

28
56

17.  

26
39

18.  

10.  

2
8

11. 6  

24
36

33
55

3.  

4.  

5.  

10
20

6. 3  

25.  

14
56

26.  

52
64

19. 37  

12. 5  

13
52

20. 91  

13.  

9
24

21. 2  

18
42

14. 12  

7.  

5
25

15.  

14
36

16.  

8.  

36
57

14
32

28
64

33
132

30
63

27.  

2
50

28.  

12
18

18
90

29. 4  

22. 9  

16
64

30.  

40
64

31.  

24
64

32.  

16
48

23.  

14
21

24.  

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32
48

56
64

36
63

45
90

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Alternative Activity

Chapter 6, Lesson 3

67

The Key to Proportion

EXAMPLE

When two ratios are equal, they form a proportion. Find out if
the ratios are equal by comparing the cross products.
Are 34 and 19
equal?
2
3

12

49
36

3  12
36

The cross products are equal, so the ratios 34 and 19
form a proportion.
2

Directions Are these ratios equal? Write an equal sign if the ratios form a proportion.
1.
2.
3.
4.
5.
6.
7.
8.

3

8
3

6
3

4
1

3
5

6
15

18
2

3
40

50

6

16
2

3
7

12
4

9
25

30
5

6
10

15
4

5

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Alternative Activity

Chapter 6, Lesson 4

68

Division of Fractions
Divisor

EXAMPLE

Write this:
2

 17

0

3

4
3

4

0
Rule: Invert the divisor 17
to 17
and multiply.
0

0
5
 17
 11
 1 11
4
4

Express mixed numbers as improper fractions.

Invert the divisor. Then multiply. Simplify if possible.

1
5

1
3

7.    

1
3

4
9

8.    

1.    

2.    

1
6

7
15

7
40

5
16

3
4

1
2

14. 7   2 

1
10

1
8

9. 6   

5
12

5
8

10. 1    

16. 1   

5
16

5
6

11. 1   2  

3
14

17.   1  

2
15

2
7

12. 1   3  

3.    

4.    

5.    

6.    

14
15

3
8

13. 6   3  

3
7

3
7

3
7

1
8

1
7

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1
6

2
3

15. 31   3  

5
17

6
7

1
5

5
6

1
12

18. 1   1  

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Alternative Activity

Chapter 6, Lesson 5

69

EXAMPLE

1

4

0.25  25%
.0
0

Think: 4 1

8

20

20

0

1

4

 25%

Directions Rename each fraction as a percent.

1
2

6.   o
o
oo
o
o
o
o
 ____________

3
4

7.   o
o
oo
o
o
o
o
 ____________

2
5

8.   o
o
oo
o
o
o
o
 ____________

1
10

9.   o
o
oo
o
o
o
o
 ____________

1.   o
o
oo
o
o
o
o
 ____________

2.   o
o
oo
o
o
o
o
 ____________

3.   o
o
oo
o
o
o
o
 ____________

4.   o
o
oo
o
o
o
o
 ____________

3
8

1
3

3
5

1
5

1
8

5.   o
o
oo
o
o
o
o
 ____________

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Period

Chapter 6, Lesson 6

70

EXAMPLE

Oscar eats some potato chips. In 12 chips, there are about

144 calories and 8 grams of fat. Each gram of fat supplies 9
calories. What percent of the calories in the potato chips are
from fat?

from fat.

Step 2 Write the ratio of fat calories

to potato chip calories.
72

144

8g  9  72 calories from fat

Step 3 Simplfy the ratios.
72

144

percent fat


100

72  2
36
1
     

144  2
72
2

.50  50%
2 1
.0
0


The fat calories are 50% of the french fries.

Directions Find what percent the fact calories are of the total calories
in each food. Round to the nearest whole percent.

Food

1. Potato, 1 baked

Total Calories
per Serving

Grams of Fat
per Serving

220

0.2 g

119

10.8 g

157

8.9 g

86

0.4 g

169

7g

97

1.5 g

130

0g

190

5g

62

0.2 g

2.

3. Whole milk, 8 fl. oz.

4. Skim milk, 8 fl.oz.
5. Tuna fish, 3 oz., in oil

9. Orange

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Chapter 6, Lesson 7

71

EXAMPLE

The number of calories a person spends doing a particular activity depends on

their body weight. For example, a 150-pound person who rides a bicycle 6 miles
per hour (mph) burns about 240 calories. A 100-pound person burns 13 fewer
calories. A 200-pound person burns 13 more calories.
Find the average number of calories burned by a 100-pound person and a
200-pound person who ride bikes at 6 mph for one hour. Round your answer
to the nearest calorie.
A 100-pound person burns fewer calories than a 150-pound person.

Think:

1

3

fewer is about 33% fewer than 240 calories. Multiply by 100% minus 33%,
or 67%

240 calories per hour x 67% = 240 x 0.67 = 160.8 = 161 calories per hour
A 200-pound person burns more calories than a 150-pound person.
Think:

1

3

more is about 33% more than 240 calories. Multiply by 100% plus 33%,
or 133%

240 calories per hour x 133% = 240 x 1.33 = 319.2 = 319 calories per hour
A 100-pound person burns an average of 161 calories per hour bicycling at 6 mph.
A 200-pound person burns an average of 319 calories per hour bicycling at 6 mph.

Directions Find the average number of calories a 100-lb person and a

200-lb person burn while engaged in the following activities. Round
Activity

Calories burned
by 150-lb person

Calories burned
by 100-lb person

Calories burned
by 200-lb person

1. Bicycling 6 mph

240 cals./hr

161

319

2. Bicycling 12 mph

410 cals./hr

3. Cross-country skiing

700 cals./hr

4. Jogging 5 mph

710 cals./hr

5. Jogging 7 mph

920 cals./hr

6. Jumping rope

750 cals./hr

Source: Exercise and Your Heart, A Guide to Physical Activity

http://www.nih.gov/health/exercise/3.htm
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Chapter 6, Lesson 8

72

EXAMPLE

Step 1

Each extra pound in a persons body contains

about 3,500 calories. One way to lose a pound
is to exercise enough to burn 3,500 calories.
Jasmine plays tennis for 2 hours. How much
weight does she lose? Use the chart to find the
number of calories used in 1 hour.
500 Calories

2 Hours

1,000 total calories used

Step 2

1,000

3,500

0
 13
 27
5

Activity
Calories
Tennis
500
Bicycling
500
Golf
350
Swimming
500
Walking
300
Running
700
Heavy Exercise
1,200

Jasmine loses 27 pound.

Directions Use the chart to compute how much weight each person loses.
Daily Exercise

Weight Loss

1. Mohab plays golf for 2 hours.

____________________

2. Janet plays tennis for 3 hours.

____________________

3. David swims for 4 hours.

____________________

4. Jose runs for 1 hour.

____________________

5. Natel bikes for 3 hours.

____________________

Monthly Exercise

Weight Loss

1. Makel bikes for 12 hours.

____________________

2. Jacque plays golf for 34 hours.

____________________

3. Darbert walks for 84 hours.

____________________

4. LaVerne does 16 hours of heavy exercise.

____________________

5. Spike swims for 70 hours.

____________________

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Chapter 6, Lesson 9

73

Multiplication of Fractions
EXAMPLE

1 13  1 12 

4

3

 32  42  2

OR

4

3

2
 32  16
2

5
16

1
2

2
3

8.    

2
3

3
4

9. 6    

1
5

1
2

10. 3    

5
8

10
15

11.   2  

3
8

5
6

12.   3  

2
7

1
3

13. 3   3  

1.    

2.    

3.    

4.    

5.    

6.    

7
15

5
14

7.    

4
5

1
2

2
3

15. 8   3  

14
15

16. 3    

1
3

3
7

17. 1   1  

4
7

1
8

18. 1   1  

1
2

1
7

19. 2    

4
10

1
8

3
4

2
3

14. 2   3  

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2
5

5
17

3
7

1
14

1
5

9
13

1
12

3
7

7
17

1
3

1
4

20. 7    

1
2

2
11

21. 4   1  

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Chapter 6, Lesson 10

74

Cooking Time
EXAMPLE

Kyle wants to eat at 6:30 pm. He must cook a casserole for 1 hour and 45 minutes.
When should he put the casserole in the oven?

Step 1 Subtract the cooking time

from the dinner time.

Step 2 Rename 1 hour to 60 minutes.

Add it to the current minutes.

6 hours 30 minutes

1 hour 45 minutes


5 hours 90 minutes

1 hour 45 minutes

4 hours 45 minutes

Kyle should put the casserole in the oven at 4:45 P.M.

Directions Find the start times for the cooking times and stop times below.
Start Time

Cooking Time

Stop Time

1.

1 hour 30 minutes

5:30 pm

2.

2 hours

7:00 pm

3.

45 minutes

7:00 pm

4.

1 hour 30 minutes

6:30 pm

5.

2 hours 25 minutes

8:00 pm

6.

1 hour 35 minutes

6:00 pm

7.

2 hours 40 minutes

7:30 pm

8.

35 minutes

5:30 pm

9.

1 hour 55 minutes

6:30 pm

10.

20 minutes

noon

11.

50 minutes

11:35 am

12.

1 hour 50 minutes

11:45 am

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Chapter 7, Lesson 1

75

EXAMPLE

10 is 50% of what base?

EXAMPLE

8 is 5% of what number?

Write this:

20.  20
0
.0
0

0.50 1

10 0
0

0


Write this:

1 60.
.0
0

0.05 8
5

30

30


10 is 20% of 50.

8 is 5% of 160.

Directions Find the base of each percent.

1. 20 is 25% of what base? ___________

8. 99 is 99% of what number? ________

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Basic Skills

76

Practice with Whole Numbers

Directions Write the place value name for each underlined digit.
1. 504

 __________________________
2. 3,829 _________________________


3. 6,743 _________________________

Directions Write these numerals in words.

4. 2,609 ______________________________________________________________

Ten

Hundred

5. 469

6. 2,475,521

7.

3,841
1,382
 800


8.

9,684
 773


9.

203
 36


12. 5 75
51


13. 46 47
29


Directions Round each answer to the nearest whole number.

14. 346  20  
15. 24  8  4  2  2  

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Chapter 7, Lesson 2

77

EXAMPLE

Kit financed \$1,000.00 worth of

furniture at 10% interest for 24
months. Find Kits total payment.
Amount Rate Months
\$1,000 10% 24

Step 1 Look in the table. The payment

at 10% for 24 months is \$4.62
Step 2 Divide to find how many \$100s
are in \$1,000.
\$1,000  \$100  10
Step 3

\$ 4.62

10

\$ 46.20

24

\$1,108.80

Payment for \$100

\$100s in \$1,000
Payment for \$1,000
Months
Total Payment

Monthly Payments for Each \$100 Financed

Rate
4%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%

12 Mo.
\$8.52
\$8.57
\$8.61
\$8.66
\$8.70
\$8.75
\$8.80
\$8.84
\$8.89
\$8.94
\$8.98
\$9.03
\$9.08
\$9.13
\$9.17
\$9.22
\$9.27
\$9.32
\$9.36
\$9.41
\$9.46
\$9.51

18 Mo.
\$5.74
\$5.78
\$5.83
\$5.87
\$5.92
\$5.96
\$6.01
\$6.06
\$6.10
\$6.15
\$6.20
\$6.24
\$6.29
\$6.34
\$6.39
\$6.43
\$6.48
\$6.53
\$6.58
\$6.63
\$6.68
\$6.72

24 Mo.
\$4.35
\$4.39
\$4.44
\$4.48
\$4.53
\$4.57
\$4.62
\$4.67
\$4.71
\$4.76
\$4.81
\$4.85
\$4.90
\$4.95
\$5.00
\$5.05
\$5.09
\$5.14
\$5.19
\$5.24
\$5.29
\$5.34

30 Mo.
\$3.51
\$3.56
\$3.60
\$3.65
\$3.69
\$3.74
\$3.79
\$3.83
\$3.88
\$3.93
\$3.97
\$4.02
\$4.07
\$4.12
\$4.17
\$4.22
\$4.27
\$4.32
\$4.37
\$4.42
\$4.47
\$4.52

36 Mo.
\$2.96
\$3.00
\$3.05
\$3.09
\$3.14
\$3.18
\$3.23
\$3.28
\$3.33
\$3.37
\$3.42
\$3.47
\$3.52
\$3.57
\$3.62
\$3.67
\$3.72
\$3.77
\$3.82
\$3.88
\$3.93
\$3.98

42 Mo.
\$2.56
\$2.61
\$2.65
\$2.70
\$2.74
\$2.79
\$2.84
\$2.88
\$2.93
\$2.98
\$3.03
\$3.08
\$3.13
\$3.18
\$3.23
\$3.28
\$3.33
\$3.39
\$3.44
\$3.49
\$3.55
\$3.60

Directions Find the total payment for each of the purchases below.
Follow the example and use the table above.
Amount

Rate Months

Total
Payment

Amount

Rate Months

Total
Payment

1. \$ 2,000

7%

42

___________

7. \$ 1,400

9%

42

___________

2. \$ 1,100

10%

12

___________

8. \$10,500

6%

24

___________

3. \$ 5,000

13%

18

___________

9. \$10,100

11%

18

___________

4. \$ 2,300

8%

30

___________

10. \$ 8,600

18%

30

___________

5. \$ 1,500

12%

12

___________

11. \$ 4,100

12%

12

___________

6. \$ 2,600

5%

18

___________

12. \$3,000

9%

30

___________

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Period

Chapter 7, Lesson 3

78

EXAMPLE

Rectangle

Square

Rule To find the perimeter of a

width, then multiply by 2

Rule To find the perimeter of a

square, multiply the side by 4.

2

2
2

5
P  2(l  w)  2( 5  2)  2  7  14 inches

P  4  2  8 inches

Directions Draw the figures on the grid provided. Then find the
perimeters of the figures.
Dimensions

Draw Figures

Perimeter

1. l = 5 w = 3
2. l = 4 w = 1
3. l = 3 w = 2
4. l = 18 w = 12
5. l = 12 w = 8
6. s = 2
7. s = 7
8. s = 11
9. s = 9
10. s = 38
11. l = 3 w = 5
12. l = 1 w = 4
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Chapter 7, Lesson 4

79

Review of Basic Operations with Whole Numbers

1. 20  674  ________________________

19. 60,000  40  _____________________

3. 415  11  ________________________

20. 59,910  736  ____________________

4. 45,461  54  _____________________

6. 3  12  394  822  __________

23. 43  11  27  __________________

7. 37,372  25  _____________________

24. 290  19  8  __________________

8. 15  25  24  __________________

34. 29,911  18  _____________________

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Chapter 7, Lesson 5

80

EXAMPLE

Robert is at the hardware store and must decide whether to buy

paint in 18 individual quart cans or to buy it in both gallon and
quart cans. Here are the facts:
4 quarts  1 gallon 1 quart costs \$4.00 1 gallon costs \$15.00
What should Robert do?

18 quarts.

4 Gallons
4 1
8


16

2 Quarts

\$4.00

18

\$72.00

\$15.00 Cost per gallon


4

\$60.00 Cost of 4 gallons

Four gallons and 2 quarts

are equal to 18 quarts.

\$ 4.00 Cost per quart


2

\$ 8.00 Cost of 2 quarts
\$60.00 Cost of 4 gallons

8.00 Cost of 2 quarts

\$68.00 Total cost

The cost of 18 quarts is \$72.00.

The cost of 4 gallons and 2 quarts is \$68.00
Robert will save money if he purchases 4 gallons and 2 quarts.

Directions Copy and complete this chart. Remember: 1 gallon costs \$15.00 and 1 quart
costs \$4.00.
Quarts
Required

1.

15

2.

3.

10

4.

12

5.

11

6.

7.

30

8.

59

Gallons

Quarts

Cost
Gallons

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Total

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Period

81

Chapter 7, Lesson 6

EXAMPLE

Gloria plans to paper her bedroom, which measures 10 x 12 x 8 .

Each double roll of wallpaper covers 144 sq ft. How many double
rolls of wallpaper should she buy?

Step 2 Find the area of the 4 walls.

Multiply the perimeter by
the height.

P  2(10  12 )
 2(22 )
 44

44
Perimeter

8
Height

352 sq ft Area of 4 walls

Step 3 Divide the area by 144 square feet

to find the number of rolls needed.
2 Double rolls of wallpaper
144 3
5
2
 Area of room

288

64 Square feet remaining

8
12

10

Directions Calculate the number of double rolls of wallpaper

needed to paper each of these rooms. The third measurement for
each room is the height.
Dimensions of Room

1.

8  10  8

2.

10  15  10

3.

15  11  8

4.

19  17  8

5.

8  11  8

6.

22  11  8

7.

15  18  10

8.

9  11.2  10

Area of Walls

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Chapter 7, Lesson 7

82

Covering the Floor

EXAMPLE

Mary Lou decides to buy square tiles to cover her bathroom floor.
Each square measures 12  12 and costs \$1.10.
How much will it cost to cover her 10  7 floor?

Step 1 Find the area that each tile covers.

12 inches  1 foot
1  1  1 square foot

cost per tile.

Step 2 Find the number of square feet

of floor that needs to be
covered.
Area  l  w
 10  7
 70 square feet
Since each tile covers 1 square
foot, Mary Lou needs 70 tiles.

\$ 1.10 Cost per tile


70 Number of tiles

\$77.00 Total cost

Directions Find the cost of covering these floors with 12  12 tiles.

1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.

Cost per Tile

Floor Dimensions
(in feet)

\$0.60
\$1.29
\$2.89
\$1.99
\$2.19
\$1.15
\$2.75
\$4.10
\$3.79
\$5.19
\$4.85
\$0.95

10  7
18  9
9  15
11  10
12  19
10  19
12  17
8  18
8  17
13  16
12  7
11  4

Cost of Flooring

_________________________________
_________________________________
_________________________________
_________________________________
_________________________________
_________________________________
_________________________________
_________________________________
_________________________________
_________________________________
_________________________________
_________________________________

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Period

Chapter 7, Lesson 8

83

Computing Length of Molding

EXAMPLE

Soo Lee wants to finish her bathroom by installing molding around the room.
How much quarter-round molding should she buy for the 6 x 8 room?
Find the perimeter of the room.
P  2(l  w )
 2(6  8 )

 2(14 )
 28
Soo Lee needs 28 feet of molding.

Directions Draw each room. Calculate the amount of molding needed

for each of these rooms.
Dimensions of Room

1.

8  7

2.

10  9

3.

12  8

4.

13  12

5.

10  11

6.

7  10

Diagram of Room

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Molding Needed

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Chapter 7, Lesson 9

84

Wall-to-Wall Carpeting
EXAMPLE

Claudia wants wall-to-wall carpeting in her room, which

measures 10  7 . Carpeting is on sale for \$9.99 per square
yard. Estimate the cost. Round answers where possible.

Area  l  w
 10  7
 70 square feet

Step 2 Find the area in square yards.

One square yard  9 square
feet. Divide 70 square feet
by 9 to find the number of
square yards.

Step 3 Round the cost per square yard to the next

whole number. Round 7 sq yd and 7 sq ft
to 8 sq yd. Multiply the number of square
yards by the cost per square yard.

7 sq yd
9 7
0


63

7 sq ft

\$9.99  \$10.00
8  \$10.00  \$80.00
Claudias estimated cost is \$80.00.

Directions Estimate the cost of carpeting these floors.

Floor Dimensions

Cost per Sq Yd

1.

10

\$11.95

2. .

22

10

\$10.95

3.

12

16

\$15.90

4.

10

14

\$10.99

5.

13 8  15 10
 14 2

\$8.92

6.

11

7.

7 3 

14

\$13.90

8.

9 5 

10

\$12.99

9.

14

17

\$8.92

10.

10 6  17 10

Estimated Cost

\$11.97

\$19.99

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Chapter 7, Lesson 10

85

EXAMPLE

When stores set a selling price for an item, managers must

consider several things: how much they have to pay for it (cost);
how much it costs to pay employees, store rent and other
expenses (overhead); and how much profit they want.
Cost
\$20.00

16%

profit.

10% Profit

26% Markup Percent

Profit
10%
Step 2 Add 100% for the cost.
26%

100%

126% Cost  Markup Percent

Step 3 Multiply the cost

by total percent.
\$20.00 Cost

1.26 Markup

\$25.20 Selling Price

Directions Compute the selling price for each of these materials.

Round fractions of a cent to the next higher cent.
Cost

Profit

Selling Price

1. \$10.00

14%

10%

____________________

2. \$22.00

5%

50%

____________________

3. \$15.14

7%

15%

____________________

4. \$9.67

8%

10%

____________________

5. \$36.00

15%

25%

____________________

6. \$16.72

10%

90%

____________________

7. \$13.95

20%

20%

____________________

8. \$12.66

16%

30%

____________________

9. \$25.10

42%

56%

____________________

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Chapter 7, Lesson 11

86

Insulation
EXAMPLE

Claude is insulating his attic. How much will it cost if the price
of insulation is \$20.00 per 100 square feet?

irregular figure
into rectangles.

19
9

missing
dimension.

30

Step 4 Add these areas to find the

total area.
399 sq ft

630 sq ft

1,029 sq ft Total area

30

Step 5 Divide the total area by the number

of square feet per roll of insulation.
10.3 11 rolls
Round up for any
100 1
,0
2
9

remainder

21

21
19
9

21

Step 6 Multiply the cost per roll by the

number of rolls of insulation needed.
\$20.00 Cost per roll

11 Number of rolls

\$220.00 Total cost to insulate attic

Area A  l  w
 21  19
 399 square feet
Area B  l  w
 30  21
 630 square feet

Prices for Rolls of Insulation
Brand A Brand B Brand C Brand D

Size of Rolls
Cost of Rolls

88 sq ft
\$1749

100 sq ft
\$2099

75 sq ft
\$1499

48 sq ft
\$1769

Find the cost of insulating each of these spaces.

1. Brand C

2. Brand B

13

49

25
25

3. Brand D

13

24
38

36

37
25

14
13

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Chapter 7, Lesson 12

87

Seeding Lawns
EXAMPLE

Nathan wants to reseed his lawn. One bag of grass seed contains
50 lb of seed and it costs \$58.00. It takes 25 lb to cover an acre.
Nathan wants to know how much this seed costs per acre.

cover an acre.

\$ 58.00
 .5

\$ 29.00

.5 bag needed to cover 1 acre

50 2
5
.0
 lb per acre
Nathan will pay \$29.00 per acre to seed his lawn.

Directions Find the number of bags needed to cover an acre and the cost per acre.
Grass Seed

Contents
(lb per bag)

Cost per
Bag

Coverage
Bags to
(lb per acre) Cover 1 Acre

1.

Bahiagrass

50

\$50.00

25

2.

Bahiagrass

20

\$58.00

25

3.

Bahiagrass

20

\$25.84

25

4.

Bahiagrass

10

\$23.95

25

5.

Bluegrass

50

\$62.00

25

6.

Bluegrass

15

\$20.00

25

7.

Bluegrass

10

\$24.00

25

8.

Bermuda Grass

25

\$117.25

90

9.

Bermuda Grass

25

\$79.00

90

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Chapter 7, Lesson 13

88

Writing Feet as Yards

EXAMPLE

Janet needs 194 feet of chain link fencing to surround her circular
vegetable garden. The materials are sold by the yard. How many
yards should she purchase?
Divide the number of feet by 3 per yard. Because there is a
remainder, round up to the next yard.
64  65 yards
3 1
9
4


18
14

12

2
Janet should purchase 65 yards of chain link fence.

Directions Find the number of yards in these measurements. Round

up to the next yard if necessary.
1. 180 ft

________________

13. 478

________________

2. 291

________________

14. 303 feet

________________

3. 141

________________

15. 126 ft

________________

4. 261

________________

16. 1,235

________________

5. 774

________________

17. 2,107

________________

6. 408

________________

18. 728

________________

7. 390 feet

________________

19. 1,456

________________

8. 330 ft

________________

20. 4,263

________________

9. 441 ft

________________

21. 108

________________

10. 277

________________

22. 328

________________

11. 426

________________

23. 854

________________

12. 276

________________

24. 702

________________

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Chapter 8, Lesson 1

89

EXAMPLE

Mercedes is planning a road trip from Washington, D.C. to

Seattle, Washington. On the map the two cities are 2 58 apart.
The map is drawn to scale so that 1 inch  880 miles. What is
the map distance between these cities?

Step 1 Write the map scale proportion.

1
880


2 58  880  28
1

21

18

110

880
  2,310 miles.

1

Directions Find the estimated distance between the following cities

using the map scale of 1  880 miles.
Departure
City

Destination
City

Distance Estimated
On Map
Distance

1. Washington, D.C.

Miami, FL

1

2. Seattle, WA

Chicago, IL

1 12

3. Ottawa, ON

Halifax, NS

1 34

4. San Francisco, CA

Omaha, NE

1 18 

5. Dallas, TX

Chicago, IL

6. Washington, D.C.

San Francisco, CA

7. Boston, MA

Los Angeles, CA

1
 
2
2 18 
2 156 

8. Thunder Bay, ON

Medicine Hat, AB

2

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Chapter 8, Lesson 2

90

EXAMPLE

The naming of the routes in the Interstate System follows rules.

1. All north-south roads are odd one- or two-digit numbers. I-39 is a
2. All east-west routes are even two-digit numbers. I-72 is an
94

39

Chicago

90
88
294

88
80

80
39

74

57

55

74
55

Springfield

72

72

57

55

70

70

64
64

E
S
57
24

Directions This map shows some of the interstate highways in Illinois.

1. What direction does I-57 travel? ____________________
2. What direction does I-88 travel? ____________________
3. If you want to travel south from Chicago, should you take I-80 or I-57? ___________
4. If you want to travel east from Springfield, should you take I-72 or I-55? __________

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Chapter 8, Lesson 3

91

Elapsed Time
EXAMPLE

Find the elapsed time from 7:30 A.M. to 10:00 A.M.

Subtract earlier time from later time. Rename 1 hour  60 minutes, if necessary.
10:00 A.M.  9 hours 60 minutes
  7 hours 30 minutes

7:30 A.M. 

2 hours 30 minutes
The elapsed time from 7:30 A.M. to 10:00 A.M. is 2 hours and 30 minutes.

Directions Solve the following problems. Rename one hour to

60 minutes when necessary.
1.

7:05 A.M.

4:00 A.M.


4.

11:15 P.M.

8:45 P.M.


2.

9:15 A.M.
 5:10 A.M.


5.

12:35 P.M.

9:50 P.M.


3.

10:24 P.M.

2:18 P.M.


6.

8:45 P.M.

1:57 P.M.


7. From 10:34 A.M. to 11:17 A.M.

8. From 6:51 P.M. to 9:54 P.M.
9. From 2:22 A.M. to 7:01 A.M.
10. From 3:15 P.M. to 10:10 P.M.

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Chapter 8, Lesson 4

92

EXAMPLE

Erik looked up times for a bus trip between Baltimore and

New York. Find the arrival time if the duration of the trip is 3
hours and 30 minutes and the departure time is 6:30 P.M.

Step 1 Add the departure time to the

duration of the trip.

9:00 P.M.  1 hour  10:00 P.M.

6:30 P.M.

3:30 duration

9:60 P.M.
The train from Baltimore to New York will arrive at 10:00 P.M.

Directions Find the arrival time for each of these bus trips from
Baltimore to New York.
Departure Time

Arrival Time

Duration of Trip

1.

07:00 A.M.

4 hours

2.

07:15 A.M.

4 hours

3.

09:00 A.M.

4 hours, 30 minutes

4.

10:00 A.M.

4 hours, 50 minutes

5.

11:30 A.M.

3 hours, 55 minutes

6.

12:01 P.M.

5 hours

7.

01:30 P.M.

3 hours, 55 minutes

8.

03:30 P.M.

3 hours, 55 minutes

9.

04:45 P.M.

4 hours, 15 minutes

10.

05:30 P.M.

3 hours, 20 minutes

11.

06:30 P.M.

4 hours, 10 minutes

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Chapter 8, Lesson 5

93

Hotel Rates
EXAMPLE

Andi and her husband stay in a hotel with their two children. The
room rate is \$167.00 per night. There is a 10% room tax. What is
their charge for a 3-night stay?

\$167.00 per night


3 nights

\$501.00 room charge

100% for the room plus 10%

for the tax  110%
\$501.00 x 110%  \$551.10

The total cost for Andis family to stay in the hotel room for 3 nights is \$551.10.

Directions Complete this table. First find the total cost of the room
charge. Then find the amount of tax and add it to the room charge.
Room Rate

Nights

Room Charge

Percent Tax

1.

\$125.00

10%

2.

\$204.00

15%

3.

\$197.00

20%

4.

\$84.00

14%

5.

\$163.00

12%

6.

\$180.00

13%

7.

\$305.00

10%

8.

\$187.00

15%

9.

\$271.00

21%

10.

\$309.00

17%

11.

\$1,345.00

15%

12.

\$66.00

12%

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Chapter 8, Lesson 6

94

Division Practice
EXAMPLE

Often division results in a zero in the quotient. Be certain to

notice each division and place a zero correctly.
109
16 1
,7
4
4

16

14
0

144
144


Remember to place this 0 in the problem and in the answer.

Directions Divide.
1. 6 1,
82
4

5. 10 11
,0
90


2. 5 2,
53
0

6. 6 6,
19
8

10. 4 32
,3
64


3. 12 7,
32
0

7. 15 1,
63
5

11. 21 9,
24
0

4. 26 2,
67
8

8. 43 44
,2
90


12. 18 14
,4
72


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9. 8 8,
27
2

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Chapter 8, Lesson 7

95

Exchange Currency
Table of Currency Exchange Rates

EXAMPLE

Country

Currency
Name

Number of Units
That Equal
One U.S. Dollar

Australia
Brazil
Britain
China
Denmark

dollar
real
pound
dollars
yuan
krone

1.87 dollars
2.32 reals
0.69 pounds
1.60 dollars
8.28 yuan
8.43 kroner

Country

Currency
Name

Number of Units
That Equal
One U.S. Dollar

yen
peso
rand
krona
franc
baht

131.55 yen
9.19 pesos
11.9 rands
10.61 kronor
1.68 francs
44.18 baht

Japan
Mexico
South Africa
Sweden
Switzerland
Thailand

William exchanges 50 U.S. dollars for Danish kroner. How many

Multiply the exchange rate for one U.S. dollar times the U.S.
dollar amount.
8.43 kroner  \$50  421.50 kroner  422
William will receive 422 kroner in exchange for 50 U.S. dollars.

Directions Find the amount of native currency that will be exchanged

for \$50 U.S. Use the chart above.

Country

1.
2.
3.
4.

Brazil
China
Denmark

Number of Units
That Equal
50 U.S. Dollars

422 kroner

Country

5.
6.
7.
8.

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Number of Units
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50 U.S. Dollars

Japan
Mexico
South Africa
Sweden

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Chapter 8, Lesson 8

96

Computing Rental Charges

EXAMPLE

Jobs on Wheels rented a van for \$50 per day and \$0.50 per mile.
Find the rental charge for 5 days and 300 miles.
\$ 50 Per day
 5 Days

\$250 Day charge

\$ 300 Miles

.50 Per mile

\$150.00 Miles charge

\$250.00 Day charge

\$150.00
 Mile charge
\$400.00 Total

Directions Compute the rental charge for each item below.

The answer to number 1 is \$320.00
Days

Cost per
Day

Cost per
Mile

Miles
Driven

Rental
Charge

1.

\$40

\$0.40

200

______________

2.

\$35

\$0.30

352

______________

3.

\$18

\$0.35

110

______________

4.

\$56

\$0.26

191

______________

5.

\$18

\$0.36

37

______________

6.

\$29

\$0.20

210

______________

7.

\$44

\$0.23

186

______________

8.

\$37

\$0.44

249

______________

9.

\$48

\$0.30

235

______________

10.

\$52

\$0.33

181

______________

11.

\$35

\$0.29

800

______________

12.

\$29

\$0.34

75

______________

13.

\$35

\$0.27

56

______________

14.

\$42

\$0.36

310

______________

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Chapter 8, Lesson 9

97

Parking Expenses
EXAMPLE

The sign at the right lists the rates at the Airport

Parking Lot. Aretha parks her car on Tuesday at 11:00
P.M. and leaves the lot on Friday at 10:00 A.M. How
much does she pay in parking rates for the time her
car was at the Airport Parking Lot?

Airport Parking Lot Rates

\$2.00 for the first hour
\$12.00 maximum per day

Step 1 Find the parking time on Tuesday Step 2 Find the cost for Tuesday
\$2.00 First hour  \$2.00

12:00 midnight

11:00 P.M.

1 hour
Step 3 Find the cost for Wednesday
and Thursday.
\$12.00 Wednesday
12.00 Thursday

\$24.00

Step 4 Find the cost for Friday

\$2.00 First hour
\$1.50  9 remaining hours  \$13.50
Cost for Friday is \$12.00 maximum

Step 5 Total the daily costs

\$ 2.00 Tuesday
24.00 Wednesday & Thursday

12.00 Friday

\$38.00 Total
Aretha must pay \$38.00 for the Airport Parking Lot parking.

Directions Find the cost for parking at the Airport Parking Lot for
the following times.
1. Sunday, 1:45 P.M. to Sunday, 4:45 P.M.
2. Monday, 7:00 A.M. to Tuesday, 7:00 P.M.
3. Wednesday, 5:42 P.M. to Monday, 9:10 A.M.
4. Friday, 11:56 P.M. to Monday, 1:25 A.M.

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98

Chapter 8, Lesson 10

EXAMPLE

Pacific
Time
9:00 A.M.

The map shows the

United States divided
into four time zones.
If it is 10:00 A.M. in
Dallas , what time
is it in Denver?

Solution: Denver is 1 time

zone west of Dallas.
Therefore, the time
in Denver is 1 hour
earlier: 9:00 A.M.

Mountain
Time
10:00 A.M.

Central
Time
11:00 A.M.

Eugene Boise

Minneapolis
Cheyenne

Sacramento

Salt
Lake
City

Denver

Pittsburgh

New York

Des Moines

Cleveland

St. Louis

City

Louisville

Tulsa

Los Angeles
San Diego

Eastern
Time
12:00 Noon

Dallas

Atlanta

Miami

Directions Use the map to compute the time for each of the following problems.
If the time in

Is

The time in

Is?

1. Cheyenne

8:00 P.M.

Tulsa

________________

2. Pittsburgh

6:00 A.M.

Des Moines

________________

3. Atlanta

4:00 A.M.

________________

4. St. Louis

3:30 A.M.

Minneapolis

________________

New York

________________

5. Denver

11:44 P.M.

6. San Diego

3:39 P.M.

Tulsa

________________

7. Salt Lake City

5:05 P.M.

Sacramento

________________

San Diego

________________

1:36 P.M.

Atlanta

________________

7:11 P.M.

Miami

________________

8. Miami
9. New York
10. Tulsa

10:49 P.M.

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Chapter 8, Lesson 11

99

Time Zones
EXAMPLE

N
Seattle

Pacific
Ocean
New York City
Chicago

Atlantic
Ocean

San Francisco

Phoenix

9:00 A.M.
PACIFIC
TIME

12:00 NOON
EASTERN
TIME

Dallas

10:00 A.M.
MOUNTAIN
TIME

11:00 A.M.
CENTRAL
TIME

Time zone boundaries

6:00 A.M.
BERING
TIME

Time Zones
9:00 A.M.
PACIFIC
TIME

Miami

Pacific
Ocean

Hawaii

of the

United States
7:00 A.M.
TIME

7:00 A.M.
TIME
YUKON TIME

Directions Find the time in the other United States time zones for the given time.
Bering
Time

Time

1.

1:00 A.M.

2.

3:30 A.M.

3.
4.
5.

Yukon
Time

Pacific
Standard
Time

Mountain
Standard
Time

Central
Standard
Time

Eastern
Standard
Time

7:00 A.M.

8:00 A.M.

9:00 A.M.

10:00 A.M. 11:00 A.M.

11:45 A.M.
1:04 P.M.
6:22 P.M.

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Chapter 9, Lesson 1

100

Zeros in the Quotient

EXAMPLE

Write this:

0.088
.0
2
2
0

0.25 0
 200

200

200


Directions Divide.
1. 6.2 18
.8
62


5. 3.6 3.
85
2

9. 0.71 78
.1
71


.7
20
0

2. 3.5 0.
18
2

6. 0.17 0.
00
23
8

39
60
0

14. 49 0.
44
59


3. 4.1 0.
04
78


7. 0.025 0.
12
52
5

11. 14 0.
54
6

72
4

4. 2.8 5.
76
8

8. 2.2 0.
06
16


51
48


64
22


Directions Write these in standard form and divide.

17. 0.73767  0.67  _________________

18. 0.04005  0.005  _______________

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Chapter 9, Lesson 2

101

Preparing a Budget
EXAMPLE

In one week Carlos had take home pay of \$1,200.00. He

spent \$300.00 for food for his family of six. What percent of
his income did Carlos spend for food?

Step 1 Divide the food expense

by Carlos take-home pay.

Step 2 Write the decimal as a percent.

.25  25%
.25
1,200 3
0
0
.0
0

Carlos spent 25% of his take-home pay for food.

the nearest percent or nearest cent.
1. Jason spends \$480.00 on rent out of a monthly income of

\$1,920.00. What percent of his monthly income did Jason spend on rent? _________
2. Arielle spends \$16.00 on transportation in a week. What

percent of her weekly paycheck of \$200.00 goes to transportation costs?

_________

3. Dagmar brings home \$3,000 monthly. Her food bills are \$525

_________

4. Jennifer plans to spend 5% on insurance. How much is allowed in

a budget of \$450?

_________

5. Griffith puts away \$180 from his monthly take home pay of \$2,000.

_________

\$1,740.00 included 9% for clothes. Did she spend within her

budget? How do you know?

_________

take home pay of \$25,300 was saved?

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Chapter 9, Lesson 3

102

Finding the Percent One Number Is of Another

EXAMPLE

EXAMPLE

What percent of 40 is 8?

with the number
following of as
a denominator.

8

40

8

40

as a percent.

1

5

10 is what percent of 70?

10

70

10

70

1

5

0.20  20%
 5 1
.0
0


1

7

1

7

0.142  14.2%
 7 1
.0
0


10 is 14.2% of 70.

Directions Find the percents.

1. What percent of 100 is 10? ________

8. 163 is what percent of 326? ________

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Chapter 9, Lesson 3

103

Review of Basic Operations with Fractions

2
7

3
7

19. 5     ___________________

1
8

3
8

20. 19  9   __________________

1
2

7
8

21. 27     ___________________

1.     _____________________
2.     _____________________
3.     _____________________
4
5

2
5

4. 5   2   _________________
2
7

5. 2   2  ___________________
2
3

6. 18  8   ___________________
7
8

7. 10    _____________________
5
9

2
13

8. 1     __________________

6
7

2
7

6
7

4
9

5
9

16
18

27
50

22.     __________________
3
5

4
15

23. 18   12   _____________
12
13

24. 21   12  ________________
1
25

25. 65  64   ________________
23
24

26. 18  15   ________________

7
72

27.   1   __________________

10. 6     __________________

28.   2   ___________________

2
9

9. 43   31   _____________
7
8

1
24

13
14

11. 2    ____________________
16
25

47
50

12. 10   9   ______________
23
24

13. 1    ____________________
16
72

14.   2  ____________________

1
5

1
5

21
22

10
11

29. 12   1   ______________
3
19

2
13

30.     __________________
3
5

4
5

31. 5   2   _________________
1
6

11
18

32. 15   9   _______________

6
7

33.     _____________________

1
9

3
27

34. 2   2   _______________

16. 10   2   _______________
8
60

17.     __________________
21
24

1
10

5
7

15. 13   3   ________________

11
20

1
5

3
7

18.   2   __________________

3
5

2
5

8
15

7
15

1
3

1
3

35. 34   30   _______________
2
21

36. 87    ___________________

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104

Chapter 9, Lesson 4

Using Circle Graphs

EXAMPLE

Jons automotive budget provides for a \$200 car payment, \$80 for fuel,
and \$50 for general maintenance. Draw a circle graph to show the
percent budgeted in each category.

Step 1 Find the total amount

of his budget.
\$200
80

50

\$330
Step 3 Find the degrees for
each category.

Step 2 Find the percent

in each category.
200  330  61%
80  330  24%
50  330  15%
24%
fuel

61%  360  220

24%  360  86
15%  360  54

15%
maintenance
61%
car payment

Check that the degrees total 360. Some error may occur due to rounding.

Directions Draw a circle graph for this problem. The chart is

marked in 20 degree sections. Draw in your own lines to show your
1. Brians monthly insurance budget covers \$25 life insurance,

\$25 health insurance and \$130 renters insurance, and \$100 auto
insurance. Draw a circle graph to show the percent budgeted in
each category.

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Alternative Activity

Chapter 9, Lesson 5

105

26. 92  0.57  ______________________

9. 10  0.9032  ____________________

36. 3.1  2.009  ____________________

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Alternative Activity

106

Simple Interest
EXAMPLE

Chen lends \$2,000 to his sister, Mai, who pays him 5%

simple interest each year. At the end of 2 years Mai will pay
back the loan. What is the total amount repaid?

Recall

Step 2 Find the total amount repaid.

IPRT
I  \$2,000  .05  2
 \$200

\$2,000

200

\$2,200

Directions Complete the chart. Round amounts to the nearest cent.

Principal

Rate

Years

1.

\$100

6%

2.

\$1,500

3%

3.

\$2,500

4%

4.

\$1,750

7%

5.

\$1,400

5%

6.

\$800

6%

7.

\$23,000

8%

8.

\$1,500

7.0%

9.

\$10,000

6.5%

10.

\$6,000

9.2%

11.

\$5,000

8.10%

12.

\$10,000

6.2%

10

Interest

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Total Amount
Repaid

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Period

107

EXAMPLE

Principal
\$500

Annual Rate
5%

Time in Years
2

Compute the balance and the total interest. To save time

use the rate 105%. This eliminates an adding step. 100%
represents the principal and 5% the annual rate.
Step 1

100% Principal
 5% Annual rate

105% 1st years interest

Step 2

\$ 500 Principal

1.05

25 00
500 0

\$525.00 Balance after 1st year

Step 3

\$525 New balance


1.05

26 25
520

\$546.25 Balance after 2nd year

Step 4

\$546.25 New balance


500.00 Principal

\$46.25 Interest

After two years the balance is \$546.25, and the total interest is \$46.25.

Directions Compute the balance and the total interest for each of these 2-year loans.
Round to the nearest cent, if necessary.
Principal Annual
Rate

Balance

Interest

Principal Annual
Rate

Balance

Interest

1.

\$500

2%

_______ _______

10.

\$200

8%

_______ _______

2.

\$600

3%

_______ _______

11.

\$800

7%

_______ _______

3.

\$900

6%

_______ _______

12.

\$900

4%

_______ _______

4.

\$400

9%

_______ _______

13.

\$700

7%

_______ _______

5.

\$300

6%

_______ _______

14. \$1,600

1%

_______ _______

6.

\$250

2%

_______ _______

15.

\$900

4%

_______ _______

7.

\$360

7%

_______ _______

16.

\$500

7%

_______ _______

8.

\$220

8%

_______ _______

17.

\$600

6%

_______ _______

9.

\$850

5%

_______ _______

18. \$1,200

5%

_______ _______

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Alternative Activity

108

EXAMPLE

Juan wants to know the difference between how long his

money would double at simple interest and at annually
compounded interest. Juan wants his savings to double in 8
years. What should his annual rate of growth be?
Simple Interest Rate

12.5  13%
8 1
0
0
.0
0


9%
8 7
2


Directions Find the interest rates to double your money. Round to

the nearest tenth of a percent. Then compare the two sets of
answers. Write a sentence on the bottom of the page to explain what
you noticed.

Years to Double

Simple Interest

Annually
Compounded
Interest

1. 10 years
2. 20 years
3.

5 years

4.

7 years

5.

8 years

6.

9 years

7.

6 years

8.

2 years

9.

4 years

10.

3 years

11.

4 years 6 months

Patterns I noticed:

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Chapter 10, Lesson 4

109

Writing Checks
Sample Check
Drawers name

Payee

Date check
is written

NO.

DATE

Amount of check
in words

Purpose of check

Check number

PAY TO THE
ORDER OF

ABA or bank
ID number

7-89






520

520



Amount of check
in numbers

 DOLLARS

RIVER BANK and Trust Company

FOR





0520008960772
752 2410 2

Account number

Drawers signature

Directions Write a check to each of these people or places. Use the

blank checks in Activity 110.
Payee

Amount

Date

1. Central School

\$25.00

October 16, 2004

school sweatshirt

2. Carol Williams

\$100.00

piano lessons

3. The Cycle Shop

\$35.50

May 3, 2005

bicycle repair

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Chapter 10, Lesson 4

110

Blank Checks

No.



Date
To

NO.




Dollars

DATE

Cents

 \$ 

DEPOSITS

 DOLLARS

TOTAL
THIS CHECK

RIVER BANK OF COLUMBUS

BALANCE

FOR

DEDUCTIONS

To

NO.





DATE

Cents

 DOLLARS

TOTAL
THIS CHECK

RIVER BANK OF COLUMBUS

BALANCE

FOR

DEDUCTIONS





0520008960772
752 2410 2

BAL. FWD.



NO.




Dollars
BAL. FWD.
DEPOSITS
TOTAL

THIS CHECK

DATE

Cents

BAL. FWD.



7-89

520

PAY TO THE
ORDER OF

 \$ 

 DOLLARS

RIVER BANK OF COLUMBUS

BALANCE
DEDUCTIONS

520

 \$ 

DEPOSITS

Date

7-89




PAY TO THE
ORDER OF

BAL. FWD.

No.





Dollars

To



0520008960772
752 2410 2

BAL. FWD.

Date

520

PAY TO THE
ORDER OF

BAL. FWD.

No.

7-89




FOR





0520008960772
752 2410 2

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Period

Chapter 10, Lesson 5

111

Check Register
EXAMPLE

Double-Line Method
The balance is
recorded after each
entry in the gray area
of the balance
column.

CHECK = CK

DEPOSIT = D

DATE

TRANS.
NO.

TYPE
OF
TRANS.

3/19

101

PH

Auto Insurance

3/19

102

CK

3/22

103

ATM

S.H. Kirk
Cash

3/23

DESCRIPTION

AMOUNT
OF
TRANS. ()

AMOUNT
OF
DEPOSIT ()

FEE ()

TAX
ITEM

100.00
55.00
60.00

Deposit
from paycheck

150.00

PHONE = PH
BAL. FWD.

600
100
500
55
444
60
384
150
534

00
00
00
80
20
00
20
00
20

Directions This record form can be reproduced to keep a

record of all check and non-check transactions.
CHECK = CK

DATE

TRANS.
NO.

DEPOSIT = D
TYPE
OF
TRANS.

DESCRIPTION

AUTOMATED TELLER MACHINE = ATM

AMOUNT
OF
TRANS. ()

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AMOUNT
OF
DEPOSIT ()

FEE ()

TAX
ITEM

PHONE = PH
BAL. FWD.

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Alternative Activity

112

Practice with Decimals

Directions Write the place value name for each underlined digit.
1. 71.729 ________________________


2. 0.34355 _______________________

3. 293.193 _______________________

Directions Write these numerals in words.

4. 24.041 _____________________________________________________________

Directions Round these decimals to the nearest:

Tenth
Hundredth
Thousandth
5. 4.0481 __________ 6. 46.1482 _______________ 7. 0.90 ______________
Directions Perform the indicated operations.
8.

73.407
5.9
0.492
 102.93


9.

12. 26 48
.1


2.38

2.4


42
4

Directions Round each answer to the nearest:

Tenth
Hundredth
14. 7  8  ________ 15. 2.2  8  _____________

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Alternative Activity

113

EXAMPLE

Shares of Big Building Company are being sold for \$24.79.

The price increases \$3.00 per share. What is the new price?
Estimate
\$24.79  \$25
\$25  \$3  28
\$24.79

3.00 The new price of Big Building Company
\$27.79 stock is \$27.79 per share.

Directions Find the new price per share for each stock.
New Price
Stock

Price

Up

Estimate

Calculate

1. Diamond Supply Works \$80.00

\$0.09

 

2. Lotsopages Book Co.

\$15.35

\$3.09

 

3. Orange Company

\$47.05

\$1.04

 

4. TechnoFast

\$25.99

\$4.30

 

Down

5. Triangle Videos

\$33.03

\$9.75

 

6. TeleTechno Corp.

\$74.47

\$2.43

 

7. Smart Computer Inc.

\$65.45

\$5.59

 

8. Tri-County Tires

\$19.24

\$7.73

 

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Alternative Activity

114

The Break-Even Point

EXAMPLE

The break-even point is the total amount paid per share of stock,
including purchase price, commissions, and fees.
Total Purchase
Price
\$2,346.00

Number of
Shares
200

Commission
\$110.00

Selling
Commission
\$122.50

Fees
\$3.00

Step 2 2,581  200  12.9075

Step 1 \$2,346.00
110.00
122.50

3.00

\$2,581.50

The break-even point is \$12.91 per share (rounded to the next cent).

Directions Compute the break-even point for these stocks. Round up to the next cent.
Total Purchase
Price

Number of
Shares
Commission

Selling
Commission

Fees

Break-Even
Point

1. \$6,610.00

200

\$105.00

\$104.16

\$1.30

______________

2. \$7,600.00

500

\$121.68

\$122.18

\$2.32

______________

3. \$3,270.00

200

\$52.30

\$55.10

\$4.10

______________

4. \$5,101.00

500

\$81.62

\$80.96

\$1.07

______________

5. \$3,729.00

100

\$55.67

\$51.08

\$2.09

______________

6. \$3,031.00

600

\$48.50

\$62.10

\$1.93

______________

7. \$9,137.00

300

\$144.21

\$150.00

\$6.20

______________

8. \$6,671.00

100

\$106.74

\$106.01

\$2.02

______________

9. \$3,037.00

500

\$48.60

\$40.80

\$3.22

______________

10. \$6,151.00

600

\$98.42

\$91.19

\$3.61

______________

11. \$2,501.00

300

\$40.02

\$51.71

\$1.18

______________

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Alternative Activity

Chapter 10, Lesson 9

115

Earning Dividends
EXAMPLE

Clarice owns 200 shares of a stock that declares a 2 12 quarterly

dividend. What is her annual dividend?

using dollars.

.5
 2 1
.0

2.5  \$0.025

200 shares

\$.025

\$5.00

1

2

\$5.00

4 quarters

\$20.00

Directions Find the total annual dividend.

Quarterly
Dividend
per Share

Number
of Shares

1.

200

2.

300

3.

26

900

4.

13.7

1,200

5.

9.6

500

6.

4.5

400

7.

3 34

250

8.

10 14

1,000

9.

8 18

650

10.

15 38

225

11.

\$0.046

100

12.

\$1.23

600

13.

\$6.785

800

14.

\$14.326

700

Quarterly
Dividend

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Annual
Dividend

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Alternative Activity

116

Using Credit Cards

EXAMPLE

Shawna decided to stop charging purchases and pay off her credit
card, so she is determined to pay more than the minimum
payment each month. Her unpaid balance is \$1,500.57. Interest is
charged at 18% per year, 1.5% per month. If she pays \$300.00 this
month, how much is the balance and how much is the interest?

Step 1 Subtract the payment

from the balance.
\$1,500.57

300.00

\$1,200.57

interest paid.
\$1,200.57

1.5%

\$ 18.01

Step 3 Add the interest to

the unpaid balance.
\$ 1,200.57
 18.01

\$ 1,218.58

Directions Find the interest paid and the balance repaid on each of these credit cards.
Balance

Payment

1.

\$3,400.54

\$300.00

2.

\$1,260.80

\$250.00

3.

\$846.72

\$400.00

4.

\$532.14

\$200.00

5.

\$2,645.10

\$150.00

6.

\$725.36

\$300.00

7.

\$426.17

\$200.00

8.

\$300.00

\$150.00

9.

\$400.00

\$200.00

10.

\$695.00

\$300.00

11.

\$1,429.76

\$400.00

12.

\$2,678.53

\$500.00

Unpaid Balance

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Interest

New Balance

Consumer Mathematics

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Name

Date

Alternative Activity

Period

117

EXAMPLE

Jackson buys a 12.5 gigabyte hard drive

for his computer. How many bytes of
storage is this?
12.5 gigabytes  12.5 billion bytes
12,500,000,000 bytes

Metric Prefixes
kilo
mega
giga
tera

1,000
1,000,000
1,000,000,000
1,000,000,000,000

one thousand
one million
one billion
one trillion

Directions Solve the following problems.

1. Arlenes new digital camera has 1.5 megapixel capability. Write this

amount in digits.
2. Write the power of Johns new 5 kilowatt light bulb in digits.
3. The local radio station broadcasts at 50 megawatts of power. Write

this number in digits.

4. Kim Lees computer speed is reported to be 785 megahertz. How fast

is that in digits?
Directions Write these amounts in words. Round numerals to two digits.
1. 4,400,000 watts
2. 1,200,000,000 watts
3. 1,073,741,824 bytes
4. 8,589,934,592 bytes
5. 3,276,800 pixels

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Consumer Mathematics

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Name

Date

Period

Alternative Activity

118

Review of Basic Operations with Percents

1. 0.45   %

16. 6.2%   (decimal)

2. 22 is 10% of 

17. 3%   (decimal)

3
5

3.    %

18. 56 is  % of 112

4. What % of 32 is 8? 

5. 76.2%   (decimal)

20. 13 is  % of 65

7
8

6.    %

11. 12 is 30% of 

1
8
15
26.    %
75

10. 10.7%   (decimal)

2
5

15.    %

25.    %

1
2

30.    %

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Consumer Mathematics

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Name

Date

Period

Alternative Activity

119

Paying Taxes
EXAMPLE

Kim and Marty have a total income of \$75,000.00. Their

deductions total \$10,500.00. They have earned \$425.00 in tax
credits. Their income tax before tax credits is \$16,999.00. What
is their taxable income and how much income tax do they owe?

Step 1 Subtract deductions from total

income to find taxable income.

Step 2 Subtract tax credits from tax on

taxable income to find tax owed.

\$75,000.00 total income


10,500.00 deductions

\$64,500.00 taxable income

\$16,999.00 tax before credit


425.00 tax credit

\$16,574.00 tax owed

Directions Find taxable income and tax owed in each case.

Total Income

Deductions

Taxable
Income

Tax on
Taxable Income

Tax Credits

1.

\$32,500.50

\$2,050.50

\$3,179.00

\$105.00

2.

\$22,848.00

\$2,448.00

\$3,060.00

\$40.00

3.

\$20,026.25

\$1,010.25

\$2,800.00

\$200.00

4.

\$22,040.00

\$2,040.00

\$3,004.00

\$32.00

5.

\$24,404.49

\$4,235.49

\$3,114.00

\$47.80

6.

\$23,987.88

\$2,945.88

\$3,154.00

\$114.00

7.

\$25,264.80

\$4,210.80

\$3,161.00

\$207.00

8.

\$24,519.12

\$3,011.12

\$3,229.00

\$1,859.50

9.

\$24,236.80

\$2,596.80

\$3,244.00

\$10.00

10.

\$24,108.00

\$2,583.00

\$3,492.00

\$37.00

11.

\$24,445.12

\$2,619.12

\$3,274.00

\$211.00

12.

\$23,851.52

\$2,555.52

\$3,422.00

\$79.00

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Tax Owed

Consumer Mathematics

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Name

Date

Alternative Activity

Period

120

EXAMPLE

Jerry and Lisa Reese are

married and filing jointly.
is \$26,000. Use the chart to
find their tax.

If 1040A, line
19, OR
1040EZ, line 7
is
At
least

But
less
than

If 1040A, line
19, OR
1040EZ, line 7
is

And you are

Single Married Married
(and
filing
filing
1040EZ jointly
sepafilers
rately

of a
household

At
least

But
less
than

And you are

Single Married Married
(and
filing
filing
1040EZ jointly
sepafilers
rately

of a
household

25,000

26,000

25,000
25,050
25,100
25,150

25,050
25,100
25,150
25,200

3,972
3,986
4,000
4,014

3,754
3,761
3,769
3,776

4,472
4,486
4,500
4,514

3,754
3,761
3,769
3,776

26,000
26,050
26,100
26,150

26,050
26,100
26,150
26,200

4,252
4,266
4,280
4,294

3,904
3,911
3,919
3,926

4,752 3,904
4,766 3,911
4,780 3,919
4,794 3,926

25,200
25,250
25,300
25,350

25,250
25,300
25,350
25,400

4,028
4,042
4,056
4,070

3,784
3,791
3,799
3,806

4,528
4,542
4,556
4,570

3,784
3,791
3,799
3,806

26,200
26,250
26,300
26,350

26,250
26,300
26,350
26,400

4,308
4,322
4,336
4,350

3,934
3,941
3,949
3,956

4,808
4,822
4,836
4,850

3,934
3,941
3,949
3,956

25,400
25,450
25,500
25,550

25,450
25,500
25,550
25,600

4,084
4,098
4,112
4,126

3,814
3,821
3,829
3,836

4,584
4,598
4,612
4,626

3,814
3,821
3,829
3,836

26,400
26,450
26,500
26,550

26,450
26,500
26,550
26,600

4,364
4,378
4,392
4,406

3,964
3,971
3,979
3,986

4,864
4,878
4,892
4,906

3,964
3,971
3,979
3,986

25,600
25,650
25,700
25,750

25,650
25,700
25,750
25,800

4,140
4,154
4,168
4,182

3,844
3,851
3,859
3,866

4,640
4,654
4,668
4,682

3,844
3,851
3,859
3,866

26,600
26,650
26,700
26,750

26,650
26,700
26,750
26,800

4,420
4,434
4,448
4,462

3,994
4,001
4,009
4,016

4,920
4,934
4,948
4,962

3,994
4,001
4,009
4,016

25,800
25,850
25,900
25,950

25,850
25,900
25,950
26,000

4,196
4,210
4,224
4,238

3,874
3,881
3,889
3,896

4,696
4,710
4,724
4,738

3,874
3,881
3,889
3,896

26,800
26,850
26,900
26,950

26,850
26,900
26,950
27,000

4,476
4,490
4,504
4,518

4,024
4,031
4,039
4,046

4,976
4,990
5,004
5,018

4,024
4,031
4,039
4,046

Directions Use the tax chart above to determine the tax due in each case.
Filing Status

Gross Income

Tax Due

1. Single

\$25,480.00

_________________

2. Married filing jointly

\$25,575.00

_________________

3. Married filing separately

\$26,425.00

_________________

4. Married filing separately

\$26,610.00

_________________

\$26,955.00

_________________

6. Single

\$25,060.00

_________________

7. Single

\$26,715.00

_________________

8. Married filing jointly

\$25,304.00

_________________

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Consumer Mathematics

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Name

Date

Alternative Activity

Period

121

EXAMPLE

Maria is filing a single return. Her adjusted gross income is \$75,700.00.

Maria uses Schedule X to help her figure the tax she owes.

Solution:


56,550.00

\$19,150.00 Amount over \$56,550.00

Schedule XUse this if your filing status is Single

If the amount on
Form 1040, line
39 is
Over\$0
23,350
56,550
117,950
256,500

\$19,150.00

.31

\$ 5,936.50

But not
over\$23,350
56,550
117,950
256,500
-------

Enter on
Form 1040,
line 40
---------15%
\$3,502.50 +
28%
12,798.50 +
31%
31,832.50 +
36%
81,710.50 + 39.6%

of the
amount
over\$0
23,350
56,550
117,950
256,500

\$12,798.50 Tax
 5,936.50 31% of \$19,150.00

\$18,735.00
Maria owes \$18,735.00 in taxes.

Directions Use Schedule X to compute the income tax on these adjusted

gross incomes. Round each answer to the nearest dollar.
Income

Taxes Owed

1.

\$22,000

_______________________

2.

\$30,000

_______________________

3.

\$200,000

_______________________

4.

\$300,000

_______________________

5.

\$143,700

_______________________

6.

\$75,580

_______________________

7.

\$67,358

_______________________

8.

\$43,279

_______________________

9.

\$155,761

_______________________

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Consumer Mathematics

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Name

Date

Period

Alternative Activity

122

Refund or Balance Due

EXAMPLE

Cecily and Ralph Wood are filing a joint return. Their taxable
income on line 39 of Form 1040 is \$50,975.00. They have
already paid \$9,499.63 in withholding tax. Compute the
amount to be refunded or the balance due.
If line 39
(taxable
income)
is

Step 1 Find the tax bracket for total income.

\$50,975.00 is between \$50,950.00 and \$51,000.00.

At
least

But
less
than

Single

filing
filing
of a
jointly
sepahouserately
hold

Cecily and Ralph are married, filing jointly.

Step 3 Find the tax owed.
The amount shown where the tax bracket
and filing status column meet is \$8,368.
Step 4 Subtract to find difference.
\$ 9,499.63 Amount withheld
 8,368.00 Amount of tax owed

\$ 1,131.63 Amount of refund

50,000
50,000
50,050
50,100
50,150
50,200
50,250
50,300
50,350
50,400
50,450
50,500
50,550
50,600
50,650
50,700
50,750
50,800
50,850
50,900
50,950

50,050
50,100
50,150
50,200
50,250
50,300
50,350
50,400
50,450
50,500
50,550
50,600
50,650
50,700
50,750
50,800
50,850
50,900
50,950
51,000

10,376
10,389
10,403
10,417
10,431
10,444
10,458
10,472
10,486
10,499
10,513
10,527
10,541
10,554
10,568
10,582
10,596
10,609
10,623
10,637

8,107
8,121
8,134
8,148
8,162
8,176
8,189
8,203
8,217
8,231
8,244
8,258
8,272
8,286
8,299
8,313
8,327
8,341
8,354
8,368

10,932
10,946
10,959
10,973
10,987
11,001
11,014
11,028
11,042
11,056
11,069
11,083
11,097
11,111
11,124
11,138
11,152
11,166
11,179
11,193

9,226
9,239
9,253
9,267
9,281
9,294
9,308
9,322
9,336
9,349
9,363
9,377
9,391
9,404
9,418
9,432
9,446
9,459
9,473
9,487

Directions Compute the amount to be refunded or balance due in each case.

Taxable
Income

Filing
Status

Amount of
Tax Owed

Amount of
Tax Withheld

1.

\$50,538

Single

2.

\$50,175

\$10,367.50

3.

\$50,472

4.

\$50,233

Married, filing
jointly
Married, filing
separately
Single

5.

\$50,391

household

\$12,456.90

Balance Due
or Refund?

Amount Due
or Refunded

\$9,620.75

\$11,010.14
\$9,882.15

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Consumer Mathematics

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Name

Date

Period

Alternative Activity

123

EXAMPLE

The tax assessment on Masons home is \$120,375.00. The local

tax rate is \$3.66 per \$100.00 of the assessment. What is Masons
annual property tax?
Assessment
\$120,375.00

\$3.66

Hint move decimal place two places to the left.

Answer: Masons annual property tax is \$4,405.73. (Round to the next cent.)

Directions Compute the property tax. Round to the next cent if necessary.
Rate per
\$100

Tax

Rate per
\$100

Tax

1. \$21,000

\$8.00

____________

14. \$180,440

\$7.20

____________

2. \$60,900

\$7.00

____________

15. \$93,400

\$3.92

____________

3. \$33,000

\$1.30

____________

16. \$64,760

\$4.67

____________

4. \$64,000

\$3.31

____________

17. \$102,400

\$6.13

____________

5. \$60,000

\$1.52

____________

18. \$82,600

\$4.77

____________

6. \$47,600

\$6.59

____________

19. \$71,600

\$2.58

____________

7. \$65,900

\$8.17

____________

20. \$121,137

\$3.64

____________

8. \$110,400

\$5.90

____________

21. \$38,350

\$6.56

____________

9. \$80,700

\$3.26

____________

22. \$47,000

\$8.22

____________

10. \$457,600

\$5.07

____________

23. \$72,800

\$1.95

____________

11. \$106,950

\$6.37

____________

24. \$103,100

\$8.30

____________

12. \$55,000

\$4.64

____________

25. \$86,100

\$2.93

____________

13. \$118,600

\$7.07

____________

26. \$60,350

\$6.24

____________

Assessment

Assessment

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Consumer Mathematics

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Name

Date

Alternative Activity

Period

124

Review of Basic Skill Operations

1. 120  6,130  ___________________

19. 1,237  1,002  _________________

2. 32% of 12  _______________________

20. 3   1   ______________________

1
2

1
4

1
3

7
9

1
3

3.     _________________________

21. 20    ________________________

22. 3.001  2.03  ___________________

5. 578  9  ________________________

6. 8  9.6  0.07  ____________

24.     _______________________

25. 936.93  2.6  ___________________

8. 3  2.547  ______________________

26. 0.208  0.117  _________________

1
6

3
4

_________

1
18

7
9

9.     _________________________

28. 39.5  4.05  ____________________

7
17

11. 19  11   ____________________
3
4

29. 0.135  0.06  2.5 

________

12. 78   24  _____________________

13. 36  0.36  ______________________

31. 3   1   ___________________

19
24

3
11

59
121

5
8

32. 16 is 50% of ________________________

15. 33     _____________________

9
22

35. 3.001  0.05  ___________________

14. 3   1   _____________________
17
22

18. 108  4.8  ______________________

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Name

Date

Period

Alternative Activity

125

Sales Tax Chart

5% State Sales Tax
Amount of Sale Tax

.20
.21 .40
.41 .60
.61 .80
.81 1.00
Meals 1.00
1.01 1.20
1.21 1.40
1.41 1.60
1.61 1.80
1.81 2.00
2.01 2.20
2.21 2.40
2.41 2.60
2.61 2.80
2.81 2.00
3.01 3.20
3.21 3.40
3.41 3.60
3.61 3.80
3.81 4.00
4.01 4.20
4.21 4.40
4.41 4.60
4.61 4.80
4.81 5.00
5.01 5.20
5.21 5.40
5.41 5.60
5.61 5.80
5.81 6.00
6.01 6.20
6.21 6.40
6.41 6.60
6.61 6.80
6.81 7.00
7.01 7.20
7.21 7.40
7.41 7.60
7.61 7.80
7.81 8.00
8.01 8.20
8.21 8.40
8.41 8.60
8.61 8.80
8.81 9.00
9.01 9.20
9.21 9.40
9.41 9.60
9.61 9.80
9.81 10.00

.01
.02
.03
.04
.05
.05
.06
.07
.08
.09
.10
.11
.12
.13
.14
.15
.16
.17
.18
.19
.20
.21
.22
.23
.24
.25
.26
.27
.28
.29
.30
.31
.32
.33
.34
.35
.36
.37
.38
.39
.40
.41
.42
.43
.44
.45
.46
.47
.48
.49
.50

10.01 10.20 .51

10.21 10.40 .52
10.41 10.60 .53
10.61 10.80 .54
10.81 11.00 .55
11.01 11.20 .56
11.21 11.40 .57
11.41 11.60 .58
11.61 11.80 .59
11.81 12.00 .60
12.01 12.20 .61
12.21 12.40 .62
12.41 12.60 .63
12.61 12.80 .64
12.81 13.00 .65
13.01 13.20 .66
13.21 13.40 .67
13.41 13.60 .68
13.61 13.80 .69
13.81 14.00 .70
14.01 14.20 .71
14.21 14.40 .72
14.41 14.60 .73
14.61 14.80 .74
14.81 15.00 .75
15.01 15.20 .76
15.21 15.40 .77
15.41 15.60 .78
15.61 15.80 .79
15.81 16.00 .80
16.01 16.20 .81
16.21 16.40 .82
16.41 16.60 .83
16.61 16.80 .84
16.81 17.00 .85
17.01 17.20 .86
17.21 17.40 .87
17.41 17.60 .88
17.61 17.80 .89
17.81 18.00 .90
18.01 18.20 .91
18.21 18.40 .92
18.41 18.60 .93
18.61 18.80 .94
18.81 19.00 .95
19.01 19.20 .96
19.21 19.40 .97
19.41 19.60 .98
19.61 19.80 .99
19.81 20.00 1.00

20.01 20.20
20.21 20.40
20.41 20.60
20.61 20.80
20.81 21.00
21.01 21.20
21.21 21.40
21.41 21.60
21.61 21.80
20.81 22.00
22.01 22.20
22.21 22.40
22.41 22.60
22.61 22.80
22.81 23.00
23.01 23.20
23.21 23.40
23.41 23.60
23.61 23.80
23.81 24.00
24.01 24.20
24.21 24.40
24.41 24.60
24.61 24.80
24.81 25.00
25.01 25.20
25.21 25.40
25.41 25.60
25.61 25.80
25.81 26.00
26.01 26.20
26.21 26.40
26.41 26.60
26.61 26.80
26.81 27.00
27.01 27.20
27.21 27.40
27.41 27.60
27.61 27.80
27.81 28.00
28.01 28.20
28.21 28.40
28.41 28.60
28.61 28.80
28.81 29.00
29.01 29.20
29.21 29.40
29.41 29.60
29.61 29.80
29.81 30.00

30.01 30.20
30.21 30.40
30.41 30.60
30.61 30.80
30.81 31.00
31.01 31.20
31.21 31.40
31.41 31.60
31.61 31.80
31.81 32.00
32.01 32.20
32.21 32.40
32.41 32.60
32.61 32.80
32.81 33.00
33.01 33.20
33.21 33.40
33.41 33.60
33.61 33.80
33.81 34.00
34.01 34.20
34.21 34.40
34.41 34.60
34.61 34.80
34.81 35.00
35.01 35.20
35.21 35.40
35.41 35.60
35.61 35.80
35.81 36.00
36.01 36.20
36.21 36.40
36.41 36.60
36.61 36.80
36.81 37.00
37.01 37.20
37.21 37.40
37.41 37.60
37.61 37.80
37.81 38.00
38.01 38.20
38.21 38.40
38.41 38.60
38.61 38.80
38.81 39.00
39.01 39.20
39.21 39.40
39.41 39.60
39.61 39.80
39.81 40.00

40.01 40.20
40.21 40.40
40.41 40.60
40.61 40.80
40.81 41.00
41.01 41.20
41.21 41.40
41.41 41.60
41.61 41.80
41.81 42.00
42.01 42.20
42.21 42.40
42.41 42.60
42.61 42.80
42.81 43.00
43.01 43.20
43.21 43.40
43.41 43.60
43.61 43.80
43.81 44.00
44.01 44.20
44.21 44.40
44.41 44.60
44.61 44.80
44.81 45.00
45.01 45.20
45.21 45.40
45.41 45.60
45.61 45.80
45.81 46.00
46.01 46.20
46.21 46.40
46.41 46.60
46.61 46.80
46.81 47.00
47.01 47.20
47.21 47.40
47.41 47.60
47.61 47.80
47.81 48.00
48.01 48.20
48.21 48.40
48.41 48.60
48.61 48.80
48.81 49.00
49.01 49.20
49.21 49.40
49.41 49.60
49.61 49.80
49.81 50.00

50.01 50.20
50.21 50.40
50.41 50.60
50.61 50.80
50.81 51.00
51.01 51.20
51.21 51.40
51.41 51.60
51.61 51.80
51.81 52.00
52.01 52.20
52.21 52.40
52.41 52.60
52.61 52.80
52.81 53.00
53.01 53.20
53.21 53.40
53.41 53.60
53.61 53.80
53.81 54.00
54.01 54.20
54.21 54.40
54.41 54.60
54.61 54.80
54.81 55.00
55.01 55.20
55.21 55.40
55.41 55.60
55.61 55.80
55.81 56.00
56.01 56.20
56.21 56.40
56.41 56.60
56.61 56.80
56.81 57.00
57.01 57.20
57.21 57.40
57.41 57.60
57.61 57.80
57.81 58.00
58.01 58.20
58.21 58.40
58.41 58.60
58.61 58.80
58.81 59.00
59.01 59.20
59.21 59.40
59.41 59.60
59.61 59.80
59.81 60.00

1.01
1.02
1.03
1.04
1.05
1.06
1.07
1.08
1.09
1.10
1.11
1.12
1.13
1.14
1.15
1.16
1.17
1.18
1.19
1.20
1.21
1.22
1.23
1.24
1.25
1.26
1.27
1.28
1.29
1.30
1.31
1.32
1.33
1.34
1.35
1.36
1.37
1.38
1.39
1.40
1.41
1.42
1.43
1.44
1.45
1.46
1.47
1.48
1.49
1.50

1.51
1.52
1.53
1.54
1.55
1.56
1.57
1.58
1.59
1.60
1.61
1.62
1.63
1.64
1.65
1.66
1.67
1.68
1.69
1.70
1.71
1.72
1.73
1.74
1.75
1.76
1.77
1.78
1.79
1.80
1.81
1.82
1.83
1.84
1.85
1.86
1.87
1.88
1.89
1.90
1.91
1.92
1.93
1.94
1.95
1.96
1.97
1.98
1.99
2.00

2.01
2.02
2.03
2.04
2.05
2.06
2.07
2.08
2.09
2.10
2.11
2.12
2.13
2.14
2.15
2.16
2.17
2.18
2.19
2.20
2.21
2.22
2.23
2.24
2.25
2.26
2.27
2.28
2.29
2.30
2.31
2.32
2.33
2.34
2.35
2.36
2.37
2.38
2.39
2.40
2.41
2.42
2.43
2.44
2.45
2.46
2.47
2.48
2.49
2.50

2.51
2.52
2.53
2.54
2.55
2.56
2.57
2.58
2.59
2.60
2.61
2.62
2.63
2.64
2.65
2.66
2.67
2.68
2.69
2.70
2.71
2.72
2.73
2.74
2.75
2.76
2.77
2.78
2.79
2.80
2.81
2.82
2.83
2.84
2.85
2.86
2.87
2.88
2.89
2.90
2.91
2.92
2.93
2.94
2.95
2.96
2.97
2.98
2.99
3.00

Tax begins at 20 on nonfood items. Tax begins at \$1.00 on meals consumed on premises.
When the total charge for meals on premises reaches \$1.00 or more, combine the charge
with all other taxable items to find the total taxable sale.
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Consumer Mathematics

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Name

Date

Period

Alternative Activity

126

The Key to Square Root

EXAMPLE

Marlea uses squares to find square roots. To find the square root
of 9, she arranges 9 squares until she makes a larger square. Here
are all the arrangements she can make with the 9 squares:
991

933

The arrangement that makes a square is 9  3  3. The 9

  3.

Directions Draw the squares that show the square roots of the numbers.
1. 4

2. 16

3. 36

4. 25


Directions Find the square roots of the numbers by building a

mental square. Write down the number of smaller squares on a side
of your mental square. Hint: Look for equal factors of each number.
1. 100

2. 81

3. 121

4. 625

5. 400

6. 64

7. 225


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Name

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Period

Alternative Activity

127

Using Electrical Formulas

WIRE
WATTS (Power)

AMPS (Intensity)

W  EI

I 

W  I2R

I 

W  ER

EXAMPLE

I 

OHMS (Resistance)

E

R
W

E
W

E

R 



R 
R 

E

I
W
2
I
E2

W

VOLTS (Electromotive Force)

E  IR
E 

W

I

E  WR


Elizabeth Rivera and her apprentice, Tory Barker, calculate the amount of
resistance (R, ohms) in a 10 amp (I), 120 volt (E) circuit. They select the
formula for R where I and E are known.
E
I

R   

120

10

12
10 1
2
0


10

20

20


Directions Complete the chart below. Use the formulas to

calculate the missing information.
W

(in watts)

(in amps)

(in ohms)

(in volts)

1.
2.

15 amps
800 W

3.
4.

90 V
8 ohms

13 amps

300 ohms

40,500 W

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900 V

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Alternative Activity

Chapter 12, Lesson 4

128

Ordering Fractions
EXAMPLE

Nia has a set of measuring cups. Put them in order of size, smallest to largest.
1

3

1

2

cup

cup

3

4

cup

2

3

cup

Step 1 Find the common denominator.

1 cup
Step 2 Rewrite fractions with 12 as
denominator.

12

4

12
6

12
8

12
9

12
12

12





1

3
1

2
2

3

 3\4

1

3
1

2
3

4
2

3

 14
2
 16
2
 19
2
 18
2

2
1  11
2

1

Directions Arrange the following fractions in ascending order.

1.
2.
3.
4.
5.
6.
7.
8.

1 2 1
, , 
12 3 6
1 3 3
, , 
8 8 16
9 7 4
, , 
10 8 5
5 1 3
 ,  ,  
8 2 4
2 3 7
, , 
3 5 15
7 2 3 2 5
, , , , 
12 9 4 3 18
3 3 3 11 2
, , , , 
16 4 8 12 3
7 9 1 13 1
, , , , 
20 30 6 15 3

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Alternative Activity

Period

129

Chapter 12, Lesson 5

Precise Measurement
EXAMPLE

John Sullivan is a
the measurement
at point A as 58.
as 3 68 and
0
renames it to 3 34.

B

Directions Read points A, B, C, and D on the rulers below.

1. To the nearest inch:

4. To the nearest eighth

inch:
0

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D
C

4
D

3
C

inch:

D
C

2
B

inch:

3. To the nearest quarter

D
C

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Alternative Activity

Period

130

EXAMPLE

2 34 

2 34 

2  4  3  11

11

4

11 is the new numerator.

Keep 4 as the denominator.

Directions Rename these mixed numbers as improper fractions.

1
4

14. 6   _______

1
6

15. 8   _______

2
3

16. 7   _______

1
8

17. 6   _______

3
4

18. 7   _______

5
6

19. 9   _______

2
7

20.10   _______

5
6

21. 8   _______

2
3

22.13   _______

1
4

23. 2   _______

5
6

24. 8   _______

3
5

25. 7   _______

3
5

26. 6   ______

1. 2   _______
2. 1   _______
3. 3   _______
4. 4   _______
5. 6   _______
6. 3   _______
7. 4   _______
8. 6   _______
9. 9   _______
10. 4   _______
11. 9   _______
12. 2   _______
13. 4   _______

2
7

27.32   _______

7
8

28. 1   _______

3
4

29.10   _______

3
7

30.16   _______

1
7

31.13   _______

1
2

32.12   _______

4
5

33.52   _______

4
9

34.13   _______

1
3

35. 6   _______

1
9

36. 8   _______

3
8

37.15   _______

1
3

38.11   ______

9
10

39. 9   _______

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1
3

5
7

1
2
3
4
1
2
1
3
1
4
2
3

5
9
3
7

2
5

9
11

4
5

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Alternative Activity

Chapter 12, Lesson 7

131

Appropriate Technology
EXAMPLE

Arlene is working in the machine shop and needs both hands to

do her work. She tries to do as much mental math as she can to
keep her hands free from using a calculator. Help her determine
which of the following problems is a calculator problem and
which is a good mental math problem.

Problem 1 50% of 40

Problem 2 16% of 5.743
This is a good mental math problem.
This is a good calculator problem.
First recall that 50% means 50  100.
Multiply 5 times 40. That equals 200.
Then divide 200 by 100. That equals 2.
50% of 40 is 20

Directions Determine if these are better mental math problems or

calculator problems. If it is a mental math problem, solve it. If it is
better performed on a calculator, do not solve it. Round to the
nearest cent.
Problem

1.

\$24.00  12 ft

2.

\$15.47  31 ft

3.

10  12

4.

3.83  5.12

5.

10% of \$26.00

6.

\$19.89  39%

7.

\$8.70  10%

8.

\$39.03  20%

Mental Math or Calculator?

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Solution

Consumer Mathematics