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Chapter 1, Lesson 1

Computing Wages
EXAMPLE

Hours

Rate

22

$7.00

The answer is $154.00.

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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Chapter 1, Lesson 2

Estimating Annual Wages


EXAMPLE

Hourly rate Estimated hours


worked in a year
$14.50
2,000

Solution: $
14.50

2,000

$29,000.00

The answer is $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

Working with Time Cards


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.)

5 hours and 5 minutes  2 hours and 55 minutes

 7 hours and 60 minutes


 8 hours

Alfredo worked 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

Time and a Half

Double Time

1.

$5.00 ___________________________ _______________________________

2.

$7.00 ___________________________ _______________________________

3.

$8.50 ___________________________ _______________________________

4. $10.50 ___________________________ _______________________________


5.

$8.25 ___________________________ _______________________________

6.

$7.55 ___________________________ _______________________________

7.

$9.00 ___________________________ _______________________________

8. $11.70 ___________________________ _______________________________


9.

$9.60 ___________________________ _______________________________

10.

$5.75 ___________________________ _______________________________

11. $12.22 ___________________________ _______________________________


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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Chapter 1, Lesson 6

Compute Earnings that Include Tips


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.

Step 1 Find weekly wages

Step 2 Add tips to weekly wages

$ 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.

Directions Find the answers to these problems. Write your answer on the line.
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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Chapter 1, Lesson 7

Weekly Wages for Piecework


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:

Add 1?
$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

_____ _____ _____

11. $312.2242 _____

_____ _____

3. $5.5688

_____ _____ _____

12. $378.9567 _____

_____ _____

4. $18.500

_____ _____ _____

13. $613.4899 _____

_____ _____

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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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

Renaming Percents as Decimals


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.

Write a zero in the ones place.

Answer: 4.5%  0.045 or 0.04 12

Answer: 65%  0.65

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%  ________________________

21. 0.01%  _______________________

10. 100%  _______________________

22. 0.0643%  _____________________

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

Lolita earned $1,900.00.

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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Total Commission

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Chapter 1, Lesson 12

12

Salary Plus Commission


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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Chapter 1, Lesson 13

13

Addition of Decimals
EXAMPLE

Write this:

EXAMPLE

Write this:

2  3.5  0.06 
2
3.5

.06
5.56

OR

Helpful Hints

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

d. Remember to place zeros in the addends to


help with the addition.

Directions Add. Place zeros in the addends.


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  _____________

12. 6.6  0.2  10.51  ______________

11. 16  1.7  3.965  ______________

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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Alternative Activity

Chapter 2, Lesson 2

15

Reading Prices
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

C. .57 All three prices mean fifty-seven cents.

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

Adding Prices
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
had enough cash with him. He had $18.25 in his pocket.
The packages were marked as follows:

.46

Step 1Write all the prices in a column,


aligning the decimal points.

399

579

$6

Step 2 Add the amounts.

$ .46
3.99
5.79
6.00


.46
3.99
5.79
6.00

$16.24

Marlett had enough cash to pay for the food.

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 

Helpful Hints

4.230

.644

3.586

a. Remember to fill places in the


minuend and subtrahend with
zeros when necessary.

Insert a zero here.

b. Remember to keep the decimal


points lined up.

9  0.327 
9.000

.327

8.673

Insert zeros here.

Directions Insert zeros and subtract.


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 

__________________

17. 53.6  9.605  __________________

16. 16  0.72  ____________________

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

__________

5. Salad dressing

99

25 on 3 jars

__________

2. Chicken noodle soup


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

__________

10. Instant oatmeal

$2.49

35 on 1 box

__________

11. Bath soap

$1.89

60 on 8 bars

__________

12. Dog biscuits

$2.29

40 on 3 boxes

__________

13. Pudding cups

$3.29

80 on 3 packs

__________

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Chapter 2, Lesson 7

20

Weights and Measures for Food


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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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

Directions How much longer may each coupon be used?


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

Division of Whole Numbers with Remainders


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

The Key to Using Per


EXAMPLE

A. Bottles per case


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


Remember that percent means per hundred.

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

___________________________



10. Adults per child

___________________________



11. Oranges per case

___________________________



12. 70%

___________________________



13. Eggs per box

___________________________



14. Miles per town

___________________________



15. Wages per task

___________________________



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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


10. 0.76 1.


23
12


2. 6 4.
98


5. 3.1 14
.2
6

8. 2.7 5.
15
7

11. 0.55 10


.4
5

3. 9 46
.8


6. 8.4 64
6.
8

9. 0.05 2.
5

12. 0.879 9.


93
27


Directions Write these in the standard form and divide.


13. 0.002184  0.0012  ____________

16. 0.9844  0.92  ________________

14. 7.236  0.18  _________________

17. 0.1188  0.044  _______________

15. 0.07261  0.53  _______________

18. 0.07854  0.77  _______________

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Chapter 2, Lesson 11

25

Rounding the Quotient


EXAMPLE

Write this:

Round to the nearest tenth.


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
90

.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

Reminder: It may be necessary to write zeros in the dividend.

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  __________________

15. 0.43  0.68  __________________

14. 3.4  0.32  ___________________


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Chapter 2, Lesson 12

26

Comparing Unit Prices


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

Step 1 Divide cost by weight.

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 A unit price: 11 per oz

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 1 Find the tip and


add it to the bill.

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

Ready-to-Wear
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?

Step 1 Multiply, then add to find the


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

Finding Amount Saved on Sale Prices


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.

DVD home theater

$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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Chapter 3, Lesson 3

30

Renaming Decimals as Percents


EXAMPLE

EXAMPLE

0.50

2.5

Move the decimal point 0.50


two places to the right.

2.50

Write %

250%

50%

Answer: 0.50  50%

Write zeros
where necessary.

Answer: 2.5  250%

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  ________________________

21. 0.009  _______________________

10. 1.1  _________________________

22. 0.0017  ______________________

11. 0.20  ________________________

23. 0.0102  ______________________

12. 0.12  ________________________

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?

Think: 100%  25%  75%

$ 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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Chapter 3, Lesson 5

32

Buying from a Catalog


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

Womens CoolGuy T-shirts in


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
Add 8% sales tax
Shipping & Handling
Total Amount

5.

Amount

5.95

Elise
Item #

How Many

Color

Size

1.
2.
3.
4.
5.

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Total of Merchandise
Add 8% sales tax
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:

Answer:

EXAMPLE

6 74  6  1 34

Think:
1
3
4 7
 equals 1 4
4

3

Answer: 6 74  7 34

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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Period

Chapter 3, Lesson 7

34

Expressing Fractions in Higher Terms


EXAMPLE

Express 58 as a fraction with a denominator of 24.


Step 1
5

8

 24

Step 2
53

83

Step 3

 24

53

83

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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Chapter 3, Lesson 8

35

Addition of Fractions
EXAMPLE

10 15  4 25 
10 15

Write this:

 4 25

14 35

12 27  2 13

4

EXAMPLE

If the denominators are


the same, then add the

Write this: 12 27  12 14


4
 2 13
 2 13
4
4

7
14 1
4

numerators.

Find the least common


denominator. Then add.

 14 12

Simplify to the
lowest terms.

Directions Add. Simplify your answers to the lowest terms.


1.

10 18
3
 4 
8


2.

16 116

10 45

7
 4 
9


3

4
5


8


13.

7

15
19
 
30


10.

6 110

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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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

Directions Subtract. Simplify your answers to the lowest terms.


1.

2.

5

7
2
 
7


8 1113

6.

5 78

9 178

8.

6 1176
3
 5 
4


12 137

5
 6 
1
6


 8



11 190
4
 8 
5


17.

35 78
18


18.

15 176
 6



7 175

14.

9
 5 
3
0


3

8


11 78

9 78

13.

10.

16.

5
 1 
3
3



3 57

8 131

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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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.

40 110

38 158
 6 89


12.

9.

8 125

13.

15 156
 9 78


18 16
 9 14


14.

 7 15

10.

16 151

8 78
 89


17.

 9 161


 4 130


36160

5.

16 19

16.

 7 252


 6 2201


 7 34

4.

36 134

8 121

11.

 8 35


 3 78

3.

47 130

7 156
 6 78


18.

4 23
 2 34


10 16
 9 38


15.

17 13
15 45


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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

marked off in the product

necessary to insert zeros at

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 

__________________

15. 0.00309  0.098  _______________

11. 4.9  0.008 

__________________

16. 0.998  26.7 

_________________

12. 0.001  0.32 

_________________

17. 0.087  0.056 

________________

18. 30.09  0.53 

_________________

13. 67.8  4.4 

___________________

14. 9.607  0.008 

________________

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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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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.

Step 2 Find the remaining amount


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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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

Buying a Home
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

Step 2 Apply the Bankers Rule


$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.
Home Buyer

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

Computing the Down Payment


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?

Step 1 Find the down payment


$ 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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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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Chapter 4, Lesson 5

45

Fixed-Rate Mortgage Payments


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

Reading Utility Meters


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.
The dials here read 2736.

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

Subtraction of Whole Numbers


EXAMPLE

28,664  7,513 

Write this: 28,664


 7,513

21,151

Minuend
Subtrahend
Difference or Remainder

Directions Subtract.
1. 778  55  ___________________

12. 12,835  12,728  _____________

2. 987  820  __________________

13. 612,906  73,919  ____________

3. 6,174  871  ________________

14. 10,563  9,870  ______________

4. 2,007  719 

________________

15. 325,095  63,808  ____________

5. 6,278  782 

________________

16. 670,900  45,009  ____________

6. 8,431  7,293  _______________

17. 562,798  95,576  ____________

7. 7,089  6,809  _______________

18. 500,642  25,661  ____________

8. 83,737  61,733  _____________

19. 522,693  72,506  ____________

9. 74,895  7,190  ______________

20. 323,261  52,122  ____________

10. 47,785  12,807  _____________

21. 627,784  615,622  ___________

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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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%

Step 1 Read chart


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

Step 2 Multiply the mortgage by 41%


$60,000

.41

$24,600

The insurance company paid a benefit of $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

Finding the Percentage of a Number


EXAMPLE

Write this:

20% of 400 
400

.20

80.00

Answer: 20% of 400  80

EXAMPLE

Write this:

What is 7.5% of 4.2?


4.2

.075

210

294

0.3150

Answer: 7.5% of 4.2  0.3150

Directions Find the percentage in the following problems.


1. 10% of 40  ___________________

13. 20% of 15.99  _________________

2. What is 10% of 600? _____________

14. What is 80% of 100? _____________

3. 3.6% of 25  ___________________

15. 30% of 12  ___________________

4. What is 5% of 10? _______________

16. What is 35% of 100? _____________

5. 30% of 90  ___________________

17. 87% of 300  __________________

6. What is 7.9% of 56? ______________

18. What is 0.5% of 100? _____________

7. 17% of 100  __________________

19. 9.2% of 100  __________________

8. What is 12.5% of 80? _____________

20. What is 0.01% of 16? _____________

9. 8.6% of 9.5  __________________

21. 16.8% of 100  _________________

10. What is 37.5% of 160? ____________

22. What is 0.006% of 87? ____________

11. 4.9% of 31  ___________________

23. 3.9% of 36  ___________________

12. What is 50% of 326? _____________

24. What is 2% of 897? ______________

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Chapter 5, Lesson 1

51

Addition of Whole Numbers


EXAMPLE

327  211  30 

Write this:

327
211

30

568

Addends
Sum

Directions Add.
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

Purchasing a Used Car


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.

Directions Compute the answers to these problems. Write your answer


on the line. Round your answers to the nearest cent.
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

does she pay after a $2,000 rebate?


4. The ad reads $1,000 or best offer. If your offer of $760.00

is accepted, how much money will you save?






5. Hobbes car is guaranteed for 30 days or 4,500 miles

(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?




7. Your car invoice reads Price $10,379.94, dealer preparation

$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?

Step 1 Multiply to find total monthly


payments

Step 2 Add to find deferred price

$ 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

Monthly Months Total Monthly


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

Buying Automobile Insurance


EXAMPLE

Sarah, who is 18 years


old, wants coverages 1B,
2A, and 3D. She has had
one moving violation.
Find her total premium
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%

AUTOMOBILE INSURANCE PREMIUM CHART

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)

Directions Compute the annual premium for these policies.


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
Premium

22
30
50
23
33
36
18
62
60

2
0
1
0
1
0
1
0
1



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Chapter 5, Lesson 5

55

Reading an Odometer
EXAMPLE

3 5 2 1 8 8 5

Shanomas odometer reads 352188.5.


Write the reading in words.
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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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.
Round your answer to the nearest mile.
Odometer Reading
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

Age of Car in Years

Average Number of Miles

2
4
7
2
10
6
5

___________________
___________________
___________________
___________________
___________________
___________________
___________________

Directions Find the average number of miles driven per year.


Round your answer to the nearest hundred miles.
Odometer Reading
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

Age of Car in Years

Average Number of Miles

8
6
3
9
2
5
5

___________________
___________________
___________________
___________________
___________________
___________________
___________________

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Chapter 5, Lesson 7

57

Number of Miles Traveled


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
ending reading.
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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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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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


Directions Write these in the vertical form and multiply.


13. 3,197  48 

14. 3,472  671 

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Chapter 5, Lesson 10

60

Computing the Fuel Needed


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
answer to the nearest gallon.
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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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

Step 2 Write the hours as a


decimal number.

7 hours and 24 minutes 


7 hours  .4 hours  7.4 hours

Step 3 Divide the miles by the hours

29.7  30 miles per hour


7.4 2
2
0
.0


Francines average rate of speed is 30 miles per hour.

Directions Find the average speed for these trips. Round your answer
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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Chapter 5, Lesson 12

62

Computing Travel Time


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

Emily Elizabeths trip should take about 17 hours and 22 minutes.

Directions Find the travel time for each of these trips.


Round your answer to the nearest minute.
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

Buying Gasoline
EXAMPLE

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


How many gallons can she buy?

Step 1 Write the price of the gas as a decimal.

$1.099  1.099

Step 2 Divide the amount of money


by the price of one gallon of gas.

9.09  9.1 gallons


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.
Round your answer to the nearest tenth of a gallon.
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
ADDRESS 
PARTS

Step 1 Fill in the parts and work done.

$ PRICE

PCV valve

$7 50

HOURS

DESCRIPTION

.4

Replace PCV valve

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

Step 4 Add to find the total bill.

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
Align headlights
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
Replace front brake pads
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

NAME  DATE 


ADDRESS 
PARTS

$ PRICE

HOURS

ZIP CODE 

DESCRIPTION

LABOR

1. Ms. Heather Brunson

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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Chapter 6, Lesson 1

65

Calorie Counting Chart

Directions Track your daily calorie intake. Note your daily activity.
Day

Breakfast

Cal

Lunch

Cal

Dinner

Cal

Snacks

Cal

Activities

Total
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Chapter 6, Lesson 2

66

Renaming to Lowest Terms


EXAMPLE

6

10

62
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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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

49
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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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.

Directions Divide. Simplify your answers.


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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Chapter 6, Lesson 5

69

Renaming Fractions as Percents


EXAMPLE

1

4

0.25  25%
.0
0

Think: 4 1

8

20

20

0
Answer:

1

4

 25%

Directions Rename each fraction as a percent.


1
2

6.   o
o
oo
o
o
o
o
 ____________

3
4

7.   o
o
oo
o
o
o
o
 ____________

2
5

8.   o
o
oo
o
o
o
o
 ____________

1
10

9.   o
o
oo
o
o
o
o
 ____________

1.   o
o
oo
o
o
o
o
 ____________

2.   o
o
oo
o
o
o
o
 ____________

3.   o
o
oo
o
o
o
o
 ____________

4.   o
o
oo
o
o
o
o
 ____________

3
8

1
3

3
5

1
5

1
8

5.   o
o
oo
o
o
o
o
 ____________

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Chapter 6, Lesson 6

70

Fat Grams and Calories


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?

Step 1 Find the number of calories


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

Step 4 Write the fraction as a percent.

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

6. Tuna fish, 3 oz., in water

97

1.5 g

7. Angel food cake, 1 slice

130

0g

8. Chocolate cake, 1 slice

190

5g

62

0.2 g

2.

Potato, 12 c. hash browns

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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Percent of Fat
per Serving

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Chapter 6, Lesson 7

71

Exercise and Calories


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
your answer to the nearest calorie.
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

Exercising to Lose Weight


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

Calories Used in One Hour


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.
Simplify your answers.
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

Directions Multiply. Simplify your answers.


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

Finding the Base of a Percent


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


Answer:

10 is 20% of 50.

Answer:

8 is 5% of 160.

Directions Find the base of each percent.


1. 20 is 25% of what base? ___________

9. 13 is 25% of what number? ________

2. 39 is 39% of what base? ___________

10. 35 is 35% of what base? ___________

3. 16 is 32% of what number? ________

11. 70 is 40% of what number? ________

4. 52.52 is 6.5% of what base? ________

12. 12.5 is 12.5% of what base? ________

5. 75 is 10% of what base? ___________

13. 94 is 16% of what base? ___________

6. 75 is 20% of what number? ________

14. 705 is 37% of what number? _______

7. 95 is 50% of what number? ________

15. 38 is 12.5% 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 ______________________________________________________________

Directions Round these whole numbers to the nearest:


Ten

Hundred

5. 469

6. 2,475,521

Directions Perform the indicated operations.


7.

3,841
1,382
 800


8.

9,684
 773


9.

203
 36


10. 34  704  331  1,002   11. 50,231  8,437  


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

Total Payments for Purchases


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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Chapter 7, Lesson 3

78

The Key to Perimeter


EXAMPLE

Rectangle

Square

Rule To find the perimeter of a


rectangle, add the length and
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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Alternative Activity

Chapter 7, Lesson 4

79

Review of Basic Operations with Whole Numbers

1. 20  674  ________________________

18. 68,806  17,166  _________________

2. 7,260  460  _____________________

19. 60,000  40  _____________________

3. 415  11  ________________________

20. 59,910  736  ____________________

4. 45,461  54  _____________________

21. 60,449  8,553  __________________

5. 3,213  475  _____________________

22. 91,172  12,273  _________________

6. 3  12  394  822  __________

23. 43  11  27  __________________

7. 37,372  25  _____________________

24. 290  19  8  __________________

8. 15  25  24  __________________

25. 8,233  9  _______________________

9. 1,271  321  _____________________

26. 22,300  801  ____________________

10. 8,923  392  14,493  __________

27. 29,980  17,830  _________________

11. 91,456  4,045  __________________

28. 54  3  92  716  ___________

12. 1,675  483  184  _____________

29. 6,345  123  172  ______________

13. 6,101  50  ______________________

30. 80,000  50  _____________________

14. 415  24  16  94  __________

31. 912  18  6  __________________

15. 9,165  223  _____________________

32. 611  94  13  363  _________

16. 366,365  47  ____________________

33. 177  831  8,490  _____________

17. 77,279  621  266  ___________

34. 29,911  18  _____________________

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Chapter 7, Lesson 5

80

Buying Paint
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?

Step 1 Find the cost of


18 quarts.

Step 2 Find out how many


gallons to buy.

Step 3 Find the cost.

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

Amount to Buy
Gallons

Quarts

Cost
Gallons

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Quarts

Total

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81

Chapter 7, Lesson 6

Buying Wallpaper
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 1 Find the perimeter of the floor 10 x 12 .

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

Gloria should purchase 3 double rolls of wallpaper.

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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Double Rolls

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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

Step 3 Multiply the number of tiles by the


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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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.

Step 1 Find the area of the floor in square feet.


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

Find the Selling Price


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

Overhead
16%

Step 1 Add the percentages


for overhead and for
profit.
16% Overhead

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

Overhead

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?

Step 1 Divide the


irregular figure
into rectangles.

19
9

Step 2 Find the


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 3 Find the areas.

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

Directions Round your answers to the nearest cent.


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.

Step 1 Find the number of bags needed to


cover an acre.

Step 2 Find the cost per 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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Cost
per Acre

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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

Using Map Scales


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

Step 2 Solve the problem.


21

18

110

880
  2,310 miles.

1

Mercedes estimates that her trip will be about 2,310 miles.

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 
2 156 

8. Thunder Bay, ON

Medicine Hat, AB

2

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Chapter 8, Lesson 2

90

The Interstate System


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
north-south road.
2. All east-west routes are even two-digit numbers. I-72 is an
east-west road.
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.


Answer these questions about the highways.
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

Bus Travel Times


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.

Step 2 Rename 60 minutes to 1 hour.

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?

Step 1 Find the total room charge.

Step 2 Add the tax.

$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
Canada
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


kroner will he receive?
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
Canada
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
That Equal
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

Jobs on Wheels rental charge was $400.00.

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
$1.50 for each additional 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

What Time Is It?


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.

Salt Lake City

________________

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

Alaska

Time Zones
9:00 A.M.
PACIFIC
TIME

Miami

Pacific
Ocean

Hawaii

of the

United States
7:00 A.M.
ALASKA-HAWAII
TIME

7:00 A.M.
ALASKA-HAWAII 8:00 A.M.
TIME
YUKON TIME

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

AlaskaHawaiian
Time

5:00 A.M. 6:00 A.M.


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


13. 0.71 22


.7
20
0

2. 3.5 0.
18
2

6. 0.17 0.
00
23
8

10. 0.033 0.


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

15. 5.4 5.


72
4

4. 2.8 5.
76
8

8. 2.2 0.
06
16


12. 0.58 3.


51
48


16. 0.22 2.


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.

Directions Solve the following problems. Round your answers to


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

in a month. What percent of her monthly income is spent for food?

_________

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.

What percent does he save?

_________

6. Rachel spent $150.00 one month on clothing. Her total budget of

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


budget? How do you know?

_________

7. Hailey saved $1,200 in a given year. What percent of her annual

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?

Step 1 Write a fraction


with the number
following of as
a denominator.

8

40

Step 2 Simplify the fraction.

8

40

Step 3 Rename the fraction


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.

Answer: 8 is 20% of 40.

Directions Find the percents.


1. What percent of 100 is 10? ________

9. 25 is what percent of 50? __________

2. 10 is what percent of 40? __________

10. What percent of 12 is 9? __________

3. What percent of 60 is 15? _________

11. 16 is what percent of 64? __________

4. 6 is what percent of 18? ___________

12. What percent of 100 is 57? ________

5. 6 is what percent of 30? ___________

13. 12 is what percent of 96? __________

6. 12 is what percent of 24? __________

14. What percent of 1,000 is 50? _______

7. 18 is what percent of 36? __________

15. What percent of 300 is 60? ________

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

Step 4 Draw the circle chart.

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
answers.
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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Chapter 9, Lesson 5

105

Review of Basic Operations with Decimals

1. 5.4  8  0.2  _________________

19. 2.4  87  0.52  ______________

2. 63.75  8.5  ____________________

20. 9.66  0.008  ___________________

3. 7.89  0.26  ____________________

21. 9.04  5.7  _____________________

4. 6  7.8  5.54  ________________

22. 3  2.701  ______________________

5. 7.8  0.34  _____________________

23. 143  33  _______________________

6. 7.3  1.72  _____________________

24. 101.1  11.11  1.1  __________

7. 35.855  7.1  ___________________

25. 9.2  0.08  _____________________

8. 16  1.7  0.989  _____________

26. 92  0.57  ______________________

9. 10  0.9032  ____________________

27. 33.3  6.912  ___________________

10. 4.088  0.28  ___________________

28. 0.6211  0.61  __________________

11. 0.0837  0.46  __________________

29. 40.6  7.25  ____________________

12. 58  2.53  6  0.94  _______

30. 9  2.8  6  15.99  ________

13. 1,006  2.6  ____________________

31. 701.11  42.661  _______________

14. 0.1435  0.07  __________________

32. 39.06  9  8.76  8  _______

15. 1.15  0.59  ____________________

33. 143  11  _______________________

16. 9  0.99  _______________________

34. 68.7  1.5  _____________________

17. 8.7  0.69  _____________________

35. 0.027  0.009  __________________

18. 3.672  1.2  ____________________

36. 3.1  2.009  ____________________

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Chapter 10, Lesson 1

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?

Step 1 Find the Interest


Recall

Step 2 Find the total amount repaid.

IPRT
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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Chapter 10, Lesson 2

107

Compound Interest over Two Years


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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Chapter 10, Lesson 3

108

Doubling Your Money


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

Annually Compounded 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
and address

Payee

Date check
is written

Your Name
Your Address
Your City, State, Zip

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





0520008960772
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

October 23, 2004

piano lessons

3. The Cycle Shop

$35.50

May 3, 2005

bicycle repair

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Purpose

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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





0520008960772
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



0520008960772
752 2410 2

BAL. FWD.

Date

520

PAY TO THE
ORDER OF

BAL. FWD.

No.

7-89




FOR





0520008960772
752 2410 2

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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

ELECTRONIC FUNDS TRANSFER = EFT

DATE

TRANS.
NO.

TYPE
OF
TRANS.

3/19

101

PH

Auto Insurance

3/19

102

CK

3/22

103

ATM

S.H. Kirk
Marys gift
Cash

3/23

DESCRIPTION

AUTOMATED TELLER MACHINE = ATM

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.

ELECTRONIC FUNDS TRANSFER = EFT

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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Chapter 10, Lesson 6

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.

10. 18.04  0.094  5  1.1 


12. 26 48
.1


2.38

2.4


_______ 11. 57.3  0.947  _________________

13. .04 .0


42
4

Directions Round each answer to the nearest:


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

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Chapter 10, Lesson 7

113

Stock Market Math


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
About $28
Add the numbers.
$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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Chapter 10, Lesson 8

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

Buying
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
Buying
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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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?

Step 1 Write dividend


using dollars.

Step 2 Find quarterly dividend.

.5
 2 1
.0

2.5  $0.025

Step 3 Find total

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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Chapter 10, Lesson 10

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

Step 2 Determine the


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

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Chapter 11, Lesson 1

117

The Key to Large Numbers


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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Chapter 11, Lesson 2

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? 

19. 8.7%   (decimal)

5. 76.2%   (decimal)

20. 13 is  % of 65

7
8

6.    %

21. 36 is 10% of 

7. 13% of 800  

22. 0.09   %

8. 378 is 42% of 

23. What percent of 30 is 6? 

9. What percent of 80 is 40? 

24.  is 30% of 69

11. 12 is 30% of 

1
8
15
26.    %
75

12.  % of 200 is 20?

27. 0.007   %

13. 1.69   %

28. What percent of 90 is 45? 

14. 0.062   %

29. 16 is what percent of 64? 

10. 10.7%   (decimal)

2
5

15.    %

25.    %

1
2

30.    %

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Chapter 11, Lesson 3

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

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120

Chapter 11, Lesson 4

Reading Tax Tables


EXAMPLE

Jerry and Lisa Reese are


married and filing jointly.
Their adjusted gross income
is $26,000. Use the chart to
find their tax.

Tax Table Based on Taxable Income


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

But
less
than

Solution: The tax will be $3,904.

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

And you are


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

Head
of a
household

At
least

But
less
than

And you are


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

Your tax is

Head
of a
household

Your tax is

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.
Write your answer on the line.
Filing Status

Adjusted
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

_________________

5. Head of household

$26,955.00

_________________

6. Single

$25,060.00

_________________

7. Single

$26,715.00

_________________

8. Married filing jointly

$25,304.00

_________________

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Name

Date

Alternative Activity

Period

Chapter 11, Lesson 5

121

Computing Taxes Owed


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:

$75,700.00 Adjusted gross income



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.
Adjusted Gross
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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Name

Date

Period

Alternative Activity

Chapter 11, Lesson 6

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

And you are


But
less
than

Single

Married Married Head


filing
filing
of a
jointly
sepahouserately
hold

Step 2 Find the column for filing status.

Your tax is

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

Head of a
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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Name

Date

Period

Alternative Activity

Chapter 11, Lesson 7

123

Paying Property Taxes


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

Rate per $100


$3.66

Step 1 $120,375.00  $100  $1,203.75

Step 2 $1,203.75  $3.66  $4,405.73

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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Name

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Alternative Activity

Period

Chapter 11, Lesson 8

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    ________________________

4. 0.009  0.002  _________________

22. 3.001  2.03  ___________________

5. 578  9  ________________________

23. 2.92  7.6  10.6 

6. 8  9.6  0.07  ____________

24.     _______________________

7. 820,000  200  _________________

25. 936.93  2.6  ___________________

8. 3  2.547  ______________________

26. 0.208  0.117  _________________

1
6

3
4

_________

1
18

7
9

9.     _________________________

27. 9 is what percent of 18? __________

10. 279  12,721  __________________

28. 39.5  4.05  ____________________

7
17

11. 19  11   ____________________
3
4

29. 0.135  0.06  2.5 

________

12. 78   24  _____________________

30. 55.1  0.11  ____________________

13. 36  0.36  ______________________

31. 3   1   ___________________

19
24

3
11

59
121

5
8

32. 16 is 50% of ________________________

15. 33     _____________________

9
22

33. 405.24  0.44  _________________

16. 12.331  2.09  _________________

34. 3 is 30% of _________________________

17. 1.38  1.3  _____________________

35. 3.001  0.05  ___________________

14. 3   1   _____________________
17
22

18. 108  4.8  ______________________

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Name

Date

Period

Alternative Activity

Chapter 12, Lesson 1

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

Amount of Sale Tax

Amount of Sale Tax

Amount of Sale Tax

Amount of Sale Tax

Amount of Sale Tax

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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Alternative Activity

Chapter 12, Lesson 2

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:
991

933

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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Alternative Activity

Chapter 12, Lesson 3

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


The resistance is 12 ohms.

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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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
Answer:

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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129

Chapter 12, Lesson 5

Precise Measurement
EXAMPLE

John Sullivan is a
carpenter. He reads
the measurement
at point A as 58.
He reads point B
as 3 68 and
0
renames it to 3 34.

To the nearest eighth inch: 3 68  3 34


B

Directions Read points A, B, C, and D on the rulers below.


1. To the nearest inch:

2. To the nearest half

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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Chapter 12, Lesson 6

130

Renaming Mixed Numbers


EXAMPLE

Rename 2 34 as an improper fraction.


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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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

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