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Consumer Math Workbook

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46% found this document useful (13 votes)

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Consumer Math Workbook

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Name

Date

Workbook Activity

Period

Chapter 1, Lesson 1

Computing Wages

EXAMPLE

Hours

Rate

Solution: $5.49
13

13
$5.49
1647

549
The answer is $71.37.
$71.37

Directions Compute the wages for each example below.

Hours
Worked

Rate

1. 15

$4.15 _______________________

20. 15

$4.03 _______________________

2. 40

$3.85 _______________________

21. 39

$4.48 _______________________

3. 36

$5.68 _______________________

22. 15

$3.41 _______________________

4. 40

$6.82 _______________________

23. 32

$4.45 _______________________

5. 10

$5.76________________________

24. 19

$6.04 _______________________

6. 30

$6.32 _______________________

25. 33

$4.12 _______________________

7. 13

$5.19 _______________________

26. 33

$6.97 _______________________

8. 24

$4.04 _______________________

27. 16

$4.00 _______________________

9. 26

$68.20 ______________________

28. 28

$6.31 _______________________

10. 35

$4.32 _______________________

29. 18

$56.70 ______________________

11. 33

$4.42 _______________________

30. 35

$6.34 _______________________

12. 33

$5.54 _______________________

31. 27

$4.12 _______________________

13. 33

$5.70 _______________________

32. 16

$4.78 _______________________

14. 12

$4.00 _______________________

33. 9

$7.08 _______________________

15. 23

$4.26 _______________________

34. 26

$5.07 _______________________

16. 39

$6.11 _______________________

35. 29

$4.06 _______________________

17. 19

$6.68 _______________________

36. 21

$3.69 _______________________

18. 20

$5.87 _______________________

37. 13

$3.97 _______________________

19. 16

$57.50 ______________________

38. 18

$3.74 _______________________

Wages

Hours
Worked

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Rate

Wages

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Name

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Period

Workbook Activity

Chapter 1, Lesson 2

Estimating Annual Wages

EXAMPLE

Hourly
rate
$13.48

Estimated hours
worked in a year
2,000

Solution:
$13.48
2,000

$26,960.00

The answer is $26,960.

Directions Compute the annual wages for each example below.

Job
Title

Hourly
Rate

Annual
Wages

Job
Title

Hourly
Rate

Annual
Wages

1. Cook, fast food

$6.54

___________

21. Pile driver operator

$20.00 ___________

2. Cook, institution

$8.38

___________

22. Construction laborer

$12.75 ___________

3. Cook, restaurant

$8.52

___________

23. Paving operator

$13.99 ___________

4. Cook, short order

$7.14

___________

24. Floor layer

$15.04 ___________

5. Food attendant

$6.70

___________

25. Carpenters helper

$10.20 ___________

6. Dishwasher

$6.78

___________

26. Electricians helper

$10.41 ___________

7. Home health aide

$9.04

___________

27. Painters helper

$9.73

8. Nursing aide

$8.59

___________

28. Roofer

$14.36 ___________

9. Pharmacy aide

$9.14

___________

29. Telephone operator

$12.88 ___________

10. Veterinary assistant

$8.03

___________

30. Payroll clerk

$12.89 ___________

11. Medical assistant

$10.48 ___________

31. Teller

$8.81

___________

12. Dental assistant

$11.60 ___________

32. Receptionist

$9.55

___________

13. Massage therapist

$13.82 ___________

33. Hotel desk clerk

$7.79

___________

34. Executive secretary

$14.84 ___________

35. Medical secretary

$11.51 ___________

14. Physical therapy assistant $16.20 ___________

___________

15. Physical therapy aide

$9.69

16. Construction supervisor

$21.98 ___________

36. Legal secretary

$15.48 ___________

17. Boilermaker

$18.51 ___________

37. Computer operator

$13.54 ___________

18. Carpenter

$16.55 ___________

38. Word processor

$11.67 ___________

19. Carpet installer

$15.26 ___________

39. Desktop publisher

$14.98 ___________

20. Stonemason

$16.46 ___________

40. Proofreader

$10.46 ___________

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Name

Date

Period

Workbook Activity

Chapter 1, Lesson 3

Working with Time Cards

EXAMPLE

Joline is produce manager at a market. Yesterday she reported for work

at 7:53 A.M. She went to lunch at 12:57 P.M. Joline returned to the market
at 1:59 P.M. and left for home at 4:32 P.M. How long did Joline work?
Morning

Solution:

This is Jolines time card.

Afternoon

Out

7:53

12:57

1:59

4:32

12:57
4:32
3:92 (Rename 1 hour to 60 minutes. 32 60 92 minutes.)

7:53
1:59

1:59

5:04
2:33 7:37
Joline worked 7 hours and 37 minutes.

Directions Compute the total time worked each day.

Morning
In
Out

Afternoon
In
Out

Time
Worked

Morning
In
Out

Afternoon
In
Out

Time
Worked

1. 7:15

11:16

12:05

6:10

__________

15. 6:34

11:41

1:29

5:45

__________

2. 6:27

11:41

1:27

6:49

__________

16. 7:22

12:05

2:46

4:48

__________

3. 7:12

12:51

1:24

3:41

__________

17. 6:19

10:29

11:16

4:22

__________

4. 7:47

11:14

12:19

3:14

__________

18. 8:21

1:48

2:15

7:17

__________

5. 8:51

12:30

2:43

7:11

__________

19. 6:58

10:20

12:58

4:10

__________

6. 7:55

12:57

1:26

4:34

__________

20. 6:02

10:44

12:26

3:20

__________

7. 8:55

1:44

3:55

5:23

__________

21. 7:46

11:18

1:48

5:16

__________

8. 8:14

12:24

2:25

5:47

__________

22. 6:04

11:28

1:20

3:46

__________

9. 7:02

12:31

1:34

4:53

__________

23. 8:29

1:35

2:35

5:43

__________

10. 8:15

1:02

3:16

7:13

__________

24. 7:04

12:44

2:51

5:39

__________

11. 6:07

11:06

1:47

5:15

__________

25. 7:19

11:10

12:11

3:12

__________

12. 7:14

11:22

1:15

4:51

__________

26. 7:11

12:27

2:34

5:01

__________

13. 6:58

11:44

1:06

3:36

__________

27. 7:48

12:00

1:00

6:35

__________

14. 8:29

1:12

3:24

7:20

__________

28. 7:54

12:46

2:16

5:30

__________

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Name

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Workbook Activity

Period

Chapter 1, Lesson 4

Overtime Rates

EXAMPLE

Jamal earns $6.65 per hour. What are his overtime rates?
Time and a half
$ 6.65
1.5

3 325

6 65

$ 9.975

Double time
$ 6.65
2

$ 13.30

Jamals time and a half rate is $9.975 and his double time rate is $13.30.

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

Hourly
Rate

Overtime Rates
Time and
Double
a Half
Time

Hourly
Rate

Overtime Rates
Time and
Double
a Half
Time

$7.17

___________

11. $24.88

___________

$8.70

___________

12. $17.90

___________

$7.35

___________

13. $26.96

___________

4. $12.70

___________

14. $29.88

___________

5. $10.50

___________

15. $11.52

___________

$8.22

___________

16. $20.02

___________

7. $11.08

___________

17. $13.45

___________

8. $13.66

___________

18. $19.45

___________

9. $11.93

___________

19. $19.21

___________

$6.75

___________

20. $18.63

___________

10.

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Workbook Activity

Period

Chapter 1, Lesson 5

Working Overtime

EXAMPLE

George, a clerk, earns $6.32 per hour for a 40-hour week. After
40 hours he earns time and a half. Last week he worked 53 hours.
He computed his pay:
Step 1:
$006.32 Hourly Rate

40 Hours

$252.80 Regular Wages

Step 4:
$252.80

123.24

$376.04

Step 2:
$006.3.2

1.5

3.1.6.0
6.3.2.0

$ 9.4.8.0

Step 3:
$009.48

13

28.44

94.80

$123.24

Hourly Rate
(Time and a half)

Overtime Rate

Overtime Rate
Overtime Hours

Overtime Wages

Regular Wages
Overtime Wages
Total Wages

George earned $376.04.

Directions Compute the total wages. Use time and a half for any time over
40 hours. Do not round any answers.
Hours
Worked

Rate

Total
Wages

$8.00

$6.65

Hours
Worked

Rate

Total
Wages

14.

$6.22

15.

$18.41

$5.82

16.

$6.76

$5.78

17.

$5.25

$6.57

18.

$5.96

$6.81

19.

$7.46

$5.29

20.

$14.31

101

$5.50

21.

$7.54

$6.38

22.

$5.54

10.

$5.36

23.

$7.73

11.

$13.70

24.

$7.62

12.

$4.90

25.

$6.98

13.

$4.20

26.

$5.70

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Workbook Activity

Chapter 1, Lesson 6

Compute Earnings that Include Tips

EXAMPLE

Shasta delivers flowers. She earns $5.15 an hour plus tips. In one 40-hour
workweek she earned $153.00 in tips. Find her total income for the week.
Step 1: Find weekly wages
$5.15 Hourly wage

40 Hours worked

$206.00 Weekly wages

Step 2: Add tips to weekly wages

$206.00 Weekly wages

153.00 Tips

$359.00 Total income

Shastas total income is $359.00

Directions Compute the answers to these problems. Write your answer on the line.
1. Sharmaine works 30 hours at an exclusive restaurant. She earns

$3.50 per hour plus tips. In one week, she earned $1,250.00 in tips.
What was Sharmaines total income? ___________________________
2. Eldon helps people load their groceries into their cars at the

grocery store. The grocery store pays him $5.15 per hour. In one
week he worked 38 hours and earned $425.00 in tips. What was
his total income? ___________________________________________
3. Cybil delivers food for an Asian carryout. She works 28 hours

per week for $3.50 per hour. In a particular week she earned
$240.00 in tips. What was her total income that week? _____________
4. Arquette is a caddy at the country club. He has no hourly wage.

His only income is from tips. In a given week he was tipped by

12 golfers: $20, $15, $10, $15, $25, $10, $15, $22, $18, $15, $20,
$20. What did he earn that week? ______________________________
5. Lucinda is a baby sitter. Her hourly rate is $5.00. In one week she

baby sat 13 hours and received tips of $14.50. How much did
she earn? _________________________________________________
6. Martin is a hair stylist. He averages a weekly wage of $240 and

usually gets another $356 in tips. What is his average total

income? _________________________________________________
7. Ansel is a maid at the hotel. He receives tips from the guests at the

ends of their stay. One week he earned $452.67 in tips and $5.23
per hour for 40 hours. What did he earn? _______________________

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Workbook Activity

Period

Chapter 1, Lesson 7

Weekly Wages for Piecework

EXAMPLE

Carol makes jewelry. She earns $0.78 for each piece that she
makes. How much will she earn this week?
Daily Production
M
49

Solution:

49
57
63
42

54

265

T
57

W
63

Th
42

F
54

Piece Rate
$0.78

2.65

$.78

21.20

188.50
$206.70

Weekly production

Weekly production
Piece rate

Wages

Carol will earn $206.70.

Directions Compute the wages for each example below.

Daily Production
M

Piece
Rate

Wages

$1.00

______________

$3.12

______________

$3.01

______________

$1.05

______________

$2.91

______________

$4.25

______________

$2.50

______________

$2.72

______________

$3.68

______________

10.

$1.88

______________

11.

$2.76

______________

12.

$3.66

______________

13.

$2.44

______________

14.

$1.76

______________

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Workbook Activity

Period

Chapter 1, Lesson 8

Rounding Money

EXAMPLE

Sally wants to leave a tip for the good service. Her bill is $23.78. A
customary 15% tip is $3.567. Round to the nearest cent, dime and dollar.
Key Digit
Cent: $3.567
Dime: $3.567
Dollar: $3.567

Add 1?
$3.577
$3.667
$4.567

Drop remaining digits.

$3.57
$3.60 Hold cents place with zeros.
$4.00

Sally may leave a tip of $3.57, $3.60 or $4.00

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

Cent

Key Digit
Dime

Dollar

Cent

Key Digit
Dime

Dollar

1. $12.3456

$12.35

$12.30

$12

11. $4.28532

______

_______

______

2. $32.518

_______

________

12. $34.5561

______

_______

______

3. $10.334

_______

________

13. $504.729

______

_______

______

4. $28.5361

______

_______

______

14. $11.4981

______

_______

______

5. $67.0081

______

_______

______

15. $125.873

______

_______

______

6. $123.991

______

_______

______

16. $39.0206

______

_______

______

7. $83.996

______

_______

______

17. $62.5820

______

_______

______

8. $0.789

______

_______

______

18. $0.5432

______

_______

______

9. $0.899

______

_______

______

19. $0.4532

______

_______

______

_______

______

20. $831.38576 ______

_______

______

Cent

Key Digit
Dime

Dollar

10. $44.4444

Directions: Round each amount to the next cent, dime and dollar.

Cent

Key Digit
Dime

Dollar

21. $12.3456

______

_______

______

25. $67.0081

______

_______

______

22. $32.518

______

_______

______

26. $4.28532

______

_______

______

23. $10.334

______

_______

______

27. $34.5561

______

_______

______

24. $28.5361

______

_______

______

28. $504.729

______

_______

______

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EXAMPLE

Name

Wynell is quoted an annual salary of $52,000.00. He has the option of several pay periods. Find the amount he would receive
in each pay period.
Pay Period
Number of pays

Weekly
52

Biweekly
26

Semimonthly
24

Monthly
12

Quarterly
4

Semiannually
2

$1,000.00
52$

5
20
,0
00
.0

$2,000.00
26$

5
20
,0
00
.0

$2,166.67
24$

5
20
,0
00
.0

$4,333.33
12$

5
20
,0
00
.0

$13,000.00
4$

5
20
,0
00
.0

$26,000.00
2$

5
20
,0
00
.0

Wynell is paid either $1,000.00 weekly, $2,000.00 biweekly, $2,166.67 semimonthly, $4,333.33 monthly, $13,000.00
quarterly or $26,000.00 semiannually.

Directions Complete the following chart. Find the amount earned during each pay period. Round answers to the nearest cent.
Semi-monthly
24 pay
periods

Monthly
12 pay
periods

Quarterly
4 pay
periods

Semi-annually
2 pay
periods

Jacob

$15,600

________

Matthew

$31,200

________

Joshua

$78,000

________

Madison

$10,920

________

Hannah

$140,400

________

$93,600

________

6. Samantha

Andrew

$35,000

________

Ashley

$90,000

________

Michael

$27,430

________

10.

Emily

$44,358

________

Workbook Activity

Biweekly
26 pay
periods

Period

Weekly
52 pay
periods

Chapter 1, Lesson 9

Consumer Mathematics

Worker

Annual
Salary

Date

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Workbook Activity

Chapter 1, Lesson 10

Renaming Percents as Decimals

Method: Remove the percent symbol and move the decimal point two
places to the left.

EXAMPLE

Rename 45% as a decimal.

EXAMPLE

Rename 2.4% as a decimal.

45% 0.45

EXAMPLE

1
7
1
%
7

2.4% 0.024

Rename 13 % as a decimal.
13

0.13

Write a zero to make two places.

1

7

Directions Rename these percents as decimals.

1. 35%

13. 2%

25. 453%

2. 28%

14. 93%

26. 35 %

38. 34.4%

3. 5%

15. 38%

27. 1%

39. 0.79%

4. 2.6%

16. 0.08%

28. 60%

40. 12%

5. 4%

17. 6.01%

29. 77%

41. 5.055%

6. 1.2%

18. 77.1%

30. 5.09%

42. 2.21%

7. 0.1%

19. 5.3%

31. 8.11%

43. 681%

8. 4.01%

20. 3.01 %

32. 129%

44. 0.01%

21. 48%

33. 20%

45. 3%

10. 8.2%

22. 6%

34. 400%

46. 100%

11. 9%

23. 7.001%

35. 0.03%

47. 2000%

12. 0.33%

24. 0.05%

36. 40 %

5
8

9. 26 %

2
3

1
2

3
4

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37. 7.11%

48. 0.004%

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Workbook Activity

Chapter 1, Lesson 11

Earning Commission

EXAMPLE

Santiago sells furniture. He earns a 10% commission on his sales up to his

quota of $2,500. Santiago earns a 14% commission on all sales beyond
$2,500. Last week his sales were $4,966. How much did Santiago earn?
Quota
$2,500
Step 1:
$ 2,5.00
.10

$250.00

Rate
10%

Regular
Commission

Sales
$4,966

Step 2:
$ 4,966
2,500

$ 2,466

Bonus Rate
14%
Step 3:
$ 2,4.66

.14

98.64
246.60

$345.24

Step 4:
$250.00
345.24

$595.24

Regular Commission
Bonus Commission
Total Commission

Bonus Commission

Santiago earned $595.24.

Directions Compute the total commission for each example below. Add the
bonus commission to the regular commission.
Quota

Rate

Sales

Bonus Rate

$5,300

11%

$5,783

21%

________________

$8,700

$14,536

17%

________________

$1,600

11%

$1,889

13%

________________

$5,600

$9,490

15%

________________

$9,400

10%

$11,447

14%

________________

$4,500

$7,730

13%

________________

$8,800

$10,317

________________

$4,600

$7,377

________________

$2,500

$3,795

10%

________________

10.

$1,900

$2,021

10%

________________

11.

$4,600

$8,365

15%

________________

12.

$8,800

$3,848

10%

________________

13.

$4,400

$8,161

11%

________________

14.

$7,000

$9,471

13%

________________

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Total Commission

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Period

Chapter 1, Lesson 12

Salary Plus Commission

EXAMPLE

Armand sells automobiles. He earns a weekly salary of $156 plus a commission

of 0.4% on all his sales. Last week his sales were $153,782. What did he earn?
Step 1
$153,782 Sales

.004 Rate of commission

$615.128 Commission

Step 2
$156.00 Salary

615.13 Commission

$771.13 Total earnings

Armands total earnings were $771.13.

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

Rate of
Commission

Salary
Earned

Commission

Total
Earnings

$50,000

$200

_____________

$31,000

$100

_____________

$45,000

2.4%

$150

_____________

$450,000

1.5%

$125

_____________

$61,129

2.8%

$250

_____________

$64,732

3.2%

$100

_____________

$63,794

1.9%

$150

_____________

$19,376

2.45%

$100

_____________

$90,276

3.27%

$260

_____________

10.

$37,385

2.87%

$170

_____________

____________

11.

$17,396

1.67%

$350

_____________

12.

$3,945

2.34%

$160

_____________

13.

$323,386

1.91%

$140

_____________

14.

$32,784

4.03%

$200

_____________

15.

$1,357,369

0.42%

$100

_____________

16.

$29,864

2.73%

$200

_____________

17.

$98,773

1.42%

$250

_____________

18.

$76,764

3.12%

$100

_____________

19.

$18,363

1.44%

$230

_____________

20.

$94,735

2.61%

$170

_____________

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Workbook Activity

Chapter 1, Lesson 13

Addition of Decimals

EXAMPLE
Write this:

3 2.4 0.06
3
2.4
0.06

5.46

Helpful Hints
3.00
2.40
0.06

5.46

4 0.35 1.082
4.000
0.350
1.082

5.432

a) Remember that the number 3 can be

expressed as a decimal, that is, 3 5 3.0 5 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.
d) Remember to place zeros in the addends to help
with the addition.

Directions Add. Place zeros in the addends.

3.00
2.93
0.78

1.026
4.56
63.0071
101.0000

.506
41.0033
9.1
61.0000

10.

923.1
73.12
7.00002
000.64000

4.00
5.103
23.049
02.9012

34.03
5.602
3.8401
23.1000

6.3
.037
7.0322
82.9000

11.

3.3
.0093
73.00381
2,920.08000

5.09
2.036
90.345

6.7
.347
9.62
2.200

39.041
6.7
5.06
74.000

12.

402.1005
61.03
4.6
022.3700

Directions Write these in the vertical form and add.

13. 2.3 0.46 91.308

17. 5.8 1 0.406

14. 8 3.9 0.73

18. 66.02 8.1 5

15. 7.5 4.4 5

19. 8 .702 32.1

16. 0.76 1.3 6

20. 63 4.56 5.8

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Chapter 2, Lesson 1

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 $0.45 in cents.
$0.45 45

EXAMPLE

Express 89 in dollars.
89 $0.89

Some prices are quoted in fractions of a cent, such as $1.026. To express this
amount in cents, move the decimal point two places to the right.
$1.026 102.6

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

the correct symbol in the price.
Cents

Dollars

Cents

Dollars

_______

11.

1.9

_______

$0.52

12.

_______

$0.005

_______

13.

77.4

_______

$1.79

14.

_______

$0.0021

_______

$2.55

15.

_______

16.

_______

$0.066

_______

$1.05

17.

.05

_______

18.

_______

143

_______

$0.04

19.

.78

_______

20.

_______

156

10.

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Chapter 2, Lesson 2

Reading Prices

EXAMPLE

It is not unusual 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) 56

B) $0.56

C) .56

All three prices mean fifty-six 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) 149

B) $1.49

D) 149

C) $149

E) 1.49

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

Directions Write the letter of the price that is not equal to the other three.
A

$0.47

.47

_______

$1.05

1.05

105

_______

$0.32

.32

$32

_______

.05

$0.05

.05

_______

.78

7.8

$0.78

_______

5.9

.59

$.59

_______

$35

.35

$0.35

_______

8.6

.86

$0.86

_______

$96

.96

$0.96

_______

10.

$0.05

.05

_______

11.

$1.07

$107

1.07

107

_______

12.

579

$5.79

$0.579

5.79

_______

13.

5.99

$599

$5.99

_______

14.

$249

2.49

$2.49

$249

_______

15.

.09

$0.09

.09

_______

16.

$388

388

$388

$3.88

_______

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Chapter 2, Lesson 3

Adding Prices

EXAMPLE

The fresh produce bin at the roadside stand posted these prices.
Broccoli
97 per lb

Cucumbers
3 for

299

Bananas

Cantaloupes

Lettuce

Apples

$1 for 3 lb

2 for $5

99 each

88 lb

Tarika purchased 2 lb broccoli, 3 lb bananas and 2 heads of lettuce.

How much do these items cost together?
Step 1 Write the decimal
Step 2 Find the multiples
point in each price.
of each price
broccoli, 97 $0.97
2 lb broccoli
2 .97 $1.94
bananas, $1 $1.00
3 lb bananas
1 1.00 $1.00
lettuce, 99 $0.99
2 heads lettuce 2 .99 $1.98

Step 3 Add the prices

$1.94
1.00

1.98

$4.92

Tarika spent $4.92 on this produce.

Directions From the chart find the price for each food item listed below.
The find the total cost of each group of items.
1. 3 lb broccoli

7. 4 lb apples

2 cantaloupes
1 lb apples
__________
2. 3 cucumbers

8. 2 lb broccoli

2 heads lettuce __________

3. 6 lb bananas

1 head lettuce
3 cucumbers __________
4. 1 lb broccoli

3 cucumbers
3 lb bananas
2 cantaloupes
1 head lettuce __________
5. 6 lb apples

2 lb broccoli

1 head lettuce
3 cucumbers __________

__________

3 lb apples
3 heads lettuce
6 cucumbers __________
9. 3 lb bananas

10 cantaloupes
1 lb broccoli __________
10. 4 cantaloupes

3 cucumbers __________
11. 3 lb bananas

1 head lettuce
6 cucumbers __________

6. 9 lb bananas

4 heads lettuce
2 cantaloupes __________

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12. 6 lb broccoli

3 cucumbers
3 lb bananas
2 cantaloupes
1 head lettuce __________
13. 6 lb broccoli

3 lb bananas

__________

14. 4 lb broccoli

2 heads lettuce
4 lb apples
__________
15. 6 lb bananas

3 heads lettuce
12 cucumbers __________
16. 2 lb apples

3 lb bananas
5 heads lettuce
15 cucumbers __________

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Chapter 2, Lesson 4

Computing Change

EXAMPLE

Shaunna paid for purchases of $16.95 with a $20.00 bill.

Compute her change.

Do not give more than

1 nickel,
2 dimes,
3 quarters,
4 pennies,
4 $1-bills, or
1 $5-bill.

Shaunnas change was 1 nickel and 3 one-dollar bills.

Directions Compute the change for each of these purchases. The answer to
Number 1 is 1 dime.
Purchase
Price

Cash

Change

$9.90

$10

$7.69

3. $12.67

$13

$2.02

$7.32

$20

6. $11.12

$20

7. $13.92

$14

8. $13.03

$14

$5.53

10.

$9.10

$10

11.

$7.94

12.

$8.52

$20

13.

$5.96

$20

14.

$6.90

$20

15.

$5.38

$10

16. $12.21

$20

17.

$4.49

$20

18.

$7.81

19.

$0.11

$10

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Chapter 2, Lesson 5

Subtraction of Decimals
EXAMPLE
Write this:

EXAMPLE
Write this:

3.63 0.734
3.630
0.734

2.896

Helpful Hints

Insert a zero here.

a) Remember to fill places in the

minuend and subtrahend with
zeros when necessary.
b) Remember to keep the decimal
points lined up.

8 0.631
8.000
0.631

7.369

Insert zeros here.

Directions Insert zeros and subtract.

34.3
05.64

48.22
003.489

5.602
04.0498

13.

3
0.0234

4
00.349

39.4
00.0371

10.

81.923
023.9047

14.

74.73
05.332

7.302
00.83

10
003.4005

11.

38
000.0273

15. 7465.2

5.1
01.204

356.748
007.8

12.

9
00.9

16.

0.9098

37
08.394

Directions Write these in the vertical form and subtract.

17. 23.4 4.56

21. 82 2.302

18. 4 0.48

22. 38.809 7.7081

19. 63.2 4.509

23. 9 3.4051

20. 16 1.34

24. 0.983 0.01023

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Chapter 2, Lesson 6

Coupons for More than One

EXAMPLE

Karen has a coupon that offers a savings of $1.25 on any two cartons of orange juice.
Each carton is marked $4.99. How much will the two cartons cost with the coupon?
Step 1 Multiply
$4.99
2

$9.98

Step 2 Subtract
$9.98

1.25

$8.73

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

Price for 1 Item

Coupon Value

Cost

Peanuts

$0.99

25 on 2 bags

___________________

Crackers

$2.50

35 on 2 boxes

___________________

Potato chips

$1.79

30 on 2 bags

___________________

Sliced American cheese

$3.49

95 on 3 packs

___________________

Gelatin

$2.09

75 on 4 boxes

___________________

Batteries

$2.89

85 on 3 packs

___________________

Italian bread

$0.88

20 on 2 loaves

___________________

Pasta

$1.89

50 on 4 boxes

___________________

Coffee

$6.09

$1.75 on 4 cans

___________________

10.

Paper towels

$0.99

$1.00 on 6 rolls

___________________

11.

Taco sauce

$1.09

45 on 3 jars

___________________

12.

Mustard

$1.59

70 on 4 jars

___________________

13.

Popcorn

$2.59

$1.00 on 5 boxes

___________________

14.

Zip-close bags

$3.29

85 on 3 boxes

___________________

15.

Pasta sauce

$1.29

75 on 5 jars

___________________

16.

Salad bar

$2.79 per pound

55 on 2 lbs.

___________________

17.

Pancake mix

$2.39

$1.25 on 6 boxes

___________________

18.

Aluminum foil

$3.19

80 on 3 rolls

___________________

19.

Oatmeal

$1.89

25 on 2 packages

___________________

20.

Frozen dinners

$3.49

$1.10 on 4 dinners

___________________

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Chapter 2, Lesson 7

Pounds and Ounces

EXAMPLE

Luis is buying a can of tomatoes. There are many different sized cans in the store. Luis sees one
containing 29 oz, another with 1 lb 12 oz. He wants to figure out which one is bigger.
Step 1 Write both weights in ounces

Step 2 Compare the weights.

Recall 1 lb 16 oz
1 lb 12 oz 16 oz 12 oz 28 oz

The weights are 29 oz and 28 oz

The can weighing 29 oz is bigger.

Directions Circle the largest weight in each problem. Circle them both if they are equal.
1.

48 oz

2 lb 10 oz

32 oz

2 lb

1 lb 6 oz

24 oz

29 oz

2 lb

5 oz

5 lb

13 oz

1 lb

2 lb

36 oz

3 lb 5 oz

50 oz

10 lb 10 oz

160 oz

65 oz

4 lb 15 oz

10.

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Chapter 2, Lesson 8

Expiration Dates

EXAMPLE

Marty cut from the newspaper a coupon for diapers that expires at the
end of October. If todays date is May 3, how much longer may he use
the coupon? Since May has just begun, count it as one month. Count
one month each for June, July, August, September and October. Marty
has six months to use the coupon: May October.

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

JULY
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

MARCH

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

S
1
8
15
22
29

M
2
9
16
23
30

AUGUST
S

T
3
10
17
24
31

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

APRIL
S

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
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

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

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

MAY
S

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

OCTOBER

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

NOVEMBER

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

S
1
8
15
22
29

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

DECEMBER
S

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

April 15, 2002

December 15, 2002

________________________

June 30, 2004

December 1, 2004

________________________

April 5, 2003

November 20, 2003

________________________

August 14, 2005

September 15, 2005

________________________

July 4, 2003

August 31, 2003

________________________

December 15, 2003

February 28, 2004

________________________

May 5, 2003

September 7, 2003

________________________

July 10, 2004

December 24, 2004

________________________

January 17, 2005

January 31, 2005

________________________

10.

March 3, 2003

March 31, 2003

________________________

11.

February 15, 2004

May 31, 2004

________________________

12.

September 15, 2003

July 31, 2004

________________________

13.

January 10, 2003

April 30, 2003

________________________

14.

June 15, 2005

June 30, 2006

________________________

15.

October 13, 2004

October 31, 2004

________________________

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Workbook Activity

Chapter 2, Lesson 9

Division of Whole Numbers with Remainders

EXAMPLE
Write this:

3,259 9
362 1
9
9 3
,2
5
9

2,7

55
54

19
18

1

EXAMPLE
Write this:

7,006 17
412 2
17
17 7
,0
0
6

6,8

20
17

36
34

2

EXAMPLE
Write this:

7,543 26
290 3
26
26 7
,5
4
3

5,2

2,34
2,34

3

Remember to write the remainder over the divisor.

Directions Divide.
1. 8 2,
34
5

4. 9 5,
99
9

7. 11 3,
73
5

10. 42 4,
49
9

2. 7 3,
55
9

5. 18 5,
56
5

8. 20 11
0,
01
9

11. 61 25
,4
99

3. 11 3,
85
5

6. 31 11
,2
54

9. 41 4,
80
0

12. 40 14
,4
15

Directions Write these in the standard form and divide.

13. 14,472 91

14. 53,408 51

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Chapter 2, Lesson 10

The Key to Using Per

EXAMPLE

Arsenio wanted to find the number of items to put into 4 even stacks.
He has 56 items. What will be the number of items per stack?
Step 1
Write word problem.
StackIt
e
m
s

Step 2
Replace words with numbers.
14
45
6

Arsenio will have 14 items per stack.

Directions Use the word per to solve these problems. Round answers
to the nearest whole number or to the nearest cent.
1.

36 feet of wire, 9 rolls

Feet per roll

_______________________

60,000 watts, 15 hours

Watts per hour

_______________________

46 miles, 2 gallons

Miles per gallon

_______________________

46 miles, 2 gallons

Gallons per mile

_______________________

320 people, 8 buses

People per bus

_______________________

1,240 students, 46 classes

Students per class

_______________________

$634.56 tips, 31 tables

Tips per table

_______________________

816 apples, 12 bushels

Apples per bushel

_______________________

1,897 cars, 6 lots

Cars per lot

_______________________

10.

736 hours, 17 tasks

Hours per task

_______________________

11.

857 students, 10 teachers

Students per teacher

_______________________

12.

37 children, 14 adults

Children per adult

_______________________

13.

$3.56, 26 ounces

Cost per ounce

_______________________

14.

$15.72, 3 pounds

Cost per pound

_______________________

15.

16,554 miles, 21 trips

Miles per trip

_______________________

16.

$21,580, 2,000 hours

Salary per hour

_______________________

17.

4,156 pieces, 40 hours

Pieces per hour

_______________________

18.

4,365 miles, 107 hours

Miles per hour

_______________________

19.

379 push-ups, 7 days

Push-ups per day

_______________________

20.

4,998 miles, 32 days

Miles per day

_______________________

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Chapter 2, Lesson 11

Division of Decimals

EXAMPLE
Write this:
Divisor

18.4 8
2.3
8 1
8
.4

16

24
2
4

0.768 1.6
Quotient

Write this:

Dividend

.48
1.6 0
.7
6
8

64

128

128

Steps to Remember
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. 9 41
.4

5. 1.9 8.
74

19. .026 1.

35
2

13. .26 .1

09
46

2. 5 3.
65

6. 1.1 84
.7

10. .57 .9

23
4

14. .09 .1

10
7

3. 8 41
.6

7. .72 1.
22
4

11. .33 6.

15. .36 32

.7
6

4. 15 40
.5

8. 4.3 8.
21
3

12. .056 .6

32
8

16. .04 .8

Directions Write these in standard form and divide.

17. 0.06734 0.037 ____________________

20. 0.4212 0.36 ______________________

18. 6.592 0.16 ________________________

21. 0.0405 0.015 _____________________

19. 0.08357 0.61 _____________________

22. 0.04592 0.41 _____________________

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Chapter 2, Lesson 11

Rounding the Quotient

EXAMPLE
Write this:

Round to the nearest tenth.

8 0.9
8.88 8.9
0.9 8
.0
0
0
7
2

80
7
2

80
72

8

EXAMPLE
Write this:

Zeros may be inserted

one at a time until the
desired number of
places is reached for
rounding.

Round to the nearest hundredth.

0.89 2.3
.386 .39
2.3 0
.8
0
90

6
9

2 00
1 84

160
138

22

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

Directions Divide. Round to the place indicated.

Tenth

.6 5
2.

Hundredth

1.9 2.
5
6.

.06 7.
1
3.

Hundredth

Thousandth
5.8 5.
9

Tenth
.9 .8
7

23 1
4.

Hundredth

Hundredth
1.3 .1
4

Hundredth
.62 5.
3

Thousandth

13. Hundredth

.03 2

7.1 6.
3

10. Hundredth

14. Tenth

6.3 .6
4

9 10

11. Hundredth

15. Thousandth

5.1 7.
2

6 2

12. One

16. Hundredth

.024 1.
04

12 1.
45

Directions Write these in the standard form and divide. Round the quotients
to the nearest hundredth.
17. 5.1 7.6

19. 0.215 0.34

18. 1.7 0.16

20. 5 0.32

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Name

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Workbook Activity

Period

Chapter 2, Lesson 12

Shopping for the Best Buy

EXAMPLE

Vernon could buy a 7-oz box of chocolates for $2.50, or he could

buy an 11-oz box of chocolates for $2.75. Which is the better buy?
Round answers down to the next lower cent.
$2.50 7 $.357

Since $0.25 is less than $0.35, the 11-oz

box of chocolates is the better buy.

$2.75 11 $.25

Directions Compute the unit prices and choose the better buy for each example below.
Round answers down to the next lower cent.
Unit
Price

Offer 2

Unit
Price

Better
Buy

1. $24.00 for 20 ft

$12.00 for 8 ft

2. $17.61 for 21 ft

$11.41 for 10 ft

3. $14.96 for 25 lb

$21.11 for 24 lb

4. $17.00 for 21 lb

$15.78 for 16 lb

5. $16.72 for 19 in

$20.39 for 14 in

6. $17.39 for 25 oz

$17.56 for 22 oz

7. $2.58 for 11 ft

$2.33 for 13 ft

8. $7.17 for 10 ft

$7.58 for 14 ft

9. $8.73 for 17 yd

$11.03 for 8 yd

10. $12.89 for 21 sq ft

$15.37 for 11 sq ft

11. $4.05 for 16 ft

$4.14 for 19 ft

12. $12.71 for 13 oz

$11.19 for 13 oz

13. $1.47 for 7 lb

$0.96 for 5 lb

14. $3.29 for 6 ft

$4.33 for 6 ft

15. $14.78 for 19 gal

$17.65 for 18 gal

16. $7.75 for 16 ft

$4.93 for 18 ft

17. $0.91 for 17 in

$1.06 for 23 in

18. $0.59 for 6 lb

$0.35 for 3 lb

Offer 1

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Workbook Activity

Chapter 2, Lesson 13

Tipping in a Restaurant

EXAMPLE

Aaron, Rebecca, Caleb, Madeline, Connor, and Sophia all have dinner at the
neighborhood restaurant. The bill comes to $125, which they decide to split
6 ways. They also decide to give a 15% tip to the server. Find the amount
due from each diner.
Step 1 Calculate the tip and add it
to the bill. Do this in one
step by mentally adding the
percent of the tip to 100%.

Step 2 Divide by the number of diners.

Round to the nearest 10 cents.

$23.95 $24.00
6$
1
4
3
.7
5

Notice 100% 15% 115%

$125 115% 125 1.15 $143.75

Each person will pay $24.

Directions Find the amount due from each diner. Round to the nearest 10 cents, if necessary.
Amount of
the Bill

Number
of Diners

Percent
for Tip

Total Bill
Plus Tip

Each Persons
Share

1. $124.00

15%

____________

2. $148.00

20%

____________

$80.00

15%

____________

$56.00

15%

____________

5. $259.75

20%

____________

6. $163.82

15%

____________

7. $374.60

18%

____________

$44.81

15%

____________

$94.71

15%

____________

10. $203.86

20%

____________

$66.90

15%

____________

12. $317.04

20%

____________

13. $478.45

18%

____________

14. $207.14

15%

____________

15. $571.08

18%

____________

11.

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Workbook Activity

Chapter 3, Lesson 1

Ready-to-Wear

EXAMPLE

Jordan is going on his first winter camping trip. He needs to buy warm
camping clothes. In the newspaper, he finds an ad for a camping supply
sale. Jordan bought 2 pairs of wool socks for $6.99 each, a waterproof
jacket for $55.00, and 2 pairs of thermal underwear for $12.50 each.
The state sales tax is 5.25%. What is his total cost?
Step 1 Multiply, then add to find the total cost.
2 pairs wool socks @ $6.99 $13.98
Jacket
@ $55.00 55.00
2 pairs underwear @ $12.50
25.00
$93.98

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.)
$93.98 Cost of clothes

.0525 Tax rate

$4.93395 Sales Tax $4.94 Sales tax

Step 3 Add the sales tax to the cost to find the

total amount Jordan will pay.
$93.98 Cost of clothes

4.94 Sales Tax

$98.92 Total Amount

Jordan paid $98.92 for his purchases.

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
1.

Serena

Boris

Jane

Liu

Raven

Bob

Myan

Purchases

Cost of
Purchases

2 bathing suits @ $29.00

flippers, $18.79
hiking boots, $104.59
4 pair socks @ $12.99
poncho, $49.99
boots @ $29.99
backpack, $14900
2 kercheifs, @ $500
pocket pants, $29.99
5 pairs sweats, $39.99
ski gloves, $24.97
3 scarves @ $5.85
sun hat, $799
shorts, $14.97

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Tax
Rate

Sales
Tax

Total
Amount Paid

5%
6%
7%
4%
4%
5%
3.5%

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Workbook Activity

Chapter 3, Lesson 2

Finding Amount Saved on Sale Prices

EXAMPLE

J J works hard and plays hard. He wants to be able to afford fun things so
he looks for bargains. He has found a skateboard that regularly sells for
$125.00. It is on sale for 30% off. He decides to buy it. How much will
he save? What will he pay?
Step 1 Multiply to find the amount saved.
$125 30%
$125 .30 $37.50

Step 2 Subtract to find the Sale Price

$125.00 Regular price
37.50 Amount Saved

$87.50 Sale Price

J J saved $37.50 on the sale price. He will pay $87.50.

Directions Find the amount saved on the sale price.

1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.

Item

Regular Price

Airline ticket
Music CD
Inline skates
Boom box
Best-selling book
Mountain bike
Hockey stick
Camcorder
Hair dryer
DVD player
Video game
Concert tickets
Cell phone
Movie ticket
Telephone card
Handheld pc
Digital camera
Karaoke machine
53 HDTV monitor
DVD home theater system

$399.00
$14.99
$240.00
$79.50
$29.95
$749.50
$10.00
$699.95
$35.00
$149.49
$39.95
$42.00
$159.00
$7.50
$25.00
$249.00
$399.00
$99.99
$3,010.00
$600.00

Discount Amount Saved

Sale Price

12%
10%
20%
15%
20%
5%
10%
30%
10%
15%
10%
5%
20%
50%
20%
15%
10%
30%
17%
17%

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Name

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Period

Workbook Activity

Chapter 3, Lesson 3

Renaming Decimals as Percents

Method: Move the decimal point two places to the right and write a percent
symbol.

EXAMPLE

Rename 0.45 as a percent.

EXAMPLE

Rename 1.2 as a percent.

0.45 45%

1.2 120%

Rename 3 as a percent.
3 300%

Write a zero to
make two places.

Directions Rename these decimals as percents.

1. 0.24

13. 56.2

25. 3.7

37. 0.003

2. 0.05

14. 0.9

26. 0.4

38. 0.106

3. 0.234

15. 5.5

27. 6.01

39. 1.29

4. 0.016

16. 3.44

28. 0.318

40. 2

5. 1.29

17. 0.1

29. 4.051

41. 0.0452

6. 2.33

18. 0.91

30. 1.8

42. 0.444

7. 0.002

19. 31.6

31. 74.9

43. 4.881

8. 14.5

20. 0.0035

32. 82

44. 0.0201

9. 28.1

21. 0.001

33. 8.0

45. 0.0001

10. 5.2

22. 4

34. 6.05

46. 3.3

11. 0.06

23. 71

35. 0.6

47. 56

12. 4.05

24. 8.9

36. 0.11

48. 1.011

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Name

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Workbook Activity

Chapter 3, Lesson 4

Computing the Sale Price

EXAMPLE

Claudia buys $10 earrings with a 32% discount. How much does
she pay?

Think: 100% 32% 68%

$ 010.00

000.68

80.00

600.00

$6.80.00

Claudia pays $6.80.

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

Discount

Sale
Price

18.

$23.30

36%

19.

$46.90

24%

26%

20.

$46.84

36%

$36.32

11%

21.

$5.13

$46.61

22.

$9.45

39%

$30.17

38%

23.

$34.60

21%

$20.70

28%

24.

$8.73

$35.66

31%

25. $411.84

37.1%

$17.01

16%

26.

$43.97

16%

31.2%

27.

$39.03

18%

Regular
Price

Discount

Sale
Price

$26.00

10%

$17.43

12%

$38.46

10. $362.01
11.

$40.87

43%

28.

$17.80

12%

12.

$26.60

31%

29.

$32.70

17%

13.

$19.89

44%

30.

$18.65

26%

14.

$42.20

39%

31.

$32.99

17%

15.

$26.67

44%

32.

$30.13

15%

16.

$6.98

33.

$47.02

45%

17.

$28.45

25%

34.

$45.44

41%

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Workbook Activity

Chapter 3, Lesson 5

Buying from a Catalog

EXAMPLE

Ron and Jane plan to travel to Europe in July. They are looking for T-shirts
that will keep them cool. Ron wants 1 of each style in the short-sleeve
T-shirt, 1 in blue and 1 in grey, size L. Jane wants 1 each of 3 colors,
size M, in the long-sleeve style. 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, Blue,
Black or Mineral
Short-sleeve pocket #7264
$26.50
Short-sleeve
#2286
$24.50
Long-sleeve
#2285
$29.50

Womens CoolGuy T-shirts in Lapis, White,

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

Directions Complete the order forms for Ron and Jane.

Ron
Item #

How Many

Color

Size

Description

Amount

1.
2.
3.
4.

Total of Merchandise
Add 8% sales tax
Shipping & Handling
Total Amount

5.
6.
7.

5.95

Jane
Item #

How Many

Color

Size

Description

Amount

1.
2.
3.
4.
5.
6.
7.
American Guidance Service, Inc. Permission is granted to reproduce for classroom use only.

Total of Merchandise
Add 8% sales tax
Shipping & Handling
Total Amount

5.95

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Workbook Activity

Period

Chapter 3, Lesson 6

Renaming to the Simplest Form

9

7

EXAMPLE
Think:

Answer:

EXAMPLE

1
7 9

7

2
9

7

2

7

15

4

16 3

15

4

15

4
3

4

Think:
3
4 1
5

12

3

equals 3

3

4

Directions Rename each to the simplest form.

18
5

4
3

2. 16

22
4

16
9

9. 23

19
2

10.

22
7

11.

25
3

12.

28
5

13.

23
5

14.

15. 25

5
4

22.

123
11

29.

33
10

23.

45
7

30. 2

16.

19
6

17. 13

5
2

24. 33

42
5

18.

29
7

25. 5

35
8

19.

57
6

26
13

20.

64
7

27.

32
7

21.

108
9

28.

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16
3

53
13

3
2

53
10

31.

18
9

32.

75
8

26. 1

32
7

33. 6

16
3

34. 7

47
8

35. 9

5
4

4
3

21
4

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Workbook Activity

Period

Chapter 3, Lesson 7

Expressing Fractions in Higher Terms

EXAMPLE

Express

5

6

as a fraction with a denominator of 24.

Step 1:
5

6

Step 2:
54

64

0

24

Step 3:
54

64

0

24

Step 4:
20

24

5

6

Because 24 6 4, multiply 5 by 4.

20

24

New fraction.

Directions Express each fraction in higher terms as indicated.

7
8

4
9

2
3

5
11

5
12

2
7

6
9

1
2

5
13

4
15

10.

3
11

2
17

12
20

11
12

11.

12.

13.

14.

4
21

1
16

15.

16.

3
13

4
22

110

17.

18.

5
7

3
5

3
9

1
7

19.

20.

21.

22.

2
3

108

3
4

23.

24.

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12
21

126

2
11

121

25.

26.

3
16

4
5

2
12

5
7

27.

28.

29.

30.

2
12

3
18

31.

32.

5
16

112

2
19

33.

34.

5
13

6
15

105

4
13

117

11
23

161

35.

36.

37.

38.

35
50

250

5
40

200

39.

40.

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Workbook Activity

Period

Chapter 3, Lesson 8

Addition of Fractions

EXAMPLE

Write this:

1

5

3

5

EXAMPLE

2

7

Write this: 13

2

7

4

14

3

14

7

14

1

5

If the denominators are the

3

5

numerators.

4

5

same, then add the

3

14

Find the least common
denominator. Then add.

Simplify to the

1

2

lowest terms.

Directions Add. Simplify your answers to the lowest terms.

3

8

2

8

5
23
17

1

2

1

5

2
5

5

6

2

3

13.

0 5

2
05

5

8

19. 08

1

6

5
05

3

15

20. 02

2
00

8
00

6

7

21. 08

4

8

3
02

14.

1

5
8

22

15.

3
2

16. 03

3
06
26

5
0 1
20

1

6

1

7

11. 3 5

6
7

17. 05

1

8

3

5

1

6

1

9

5
8
12

1

6

0 4
12.

2
14
10

1

5

66
1
5

5
0 0

10.

2
11

3
8

1
3

18.

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45
6
19
38

22.

3
32
16

2
01
64

23.

5
02
13

05
24.

5

7

0 4

6

8

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Workbook Activity

Period

Chapter 3, Lesson 8

Subtraction of Fractions

EXAMPLE

11

12

Write this:

11

12

2

12

9

12

2

12

If the denominators are the

same, then subtract the
numerators.

3

4

5

7

3

21

Write this: 6

5

7

15

21

3

21

12

21

EXAMPLE

Simplify to the
lowest terms.

Find the least common denominator. Then subtract.

4

7

Directions Subtract. Simplify your answers to the lowest terms.

6
7

1. 00

00 4
7
2.

11
14
15

10.

11.

04 1
5
6.

25 5
7

02 3
8

7
03
12

12 4
5

19.

5
08
12

15.

18 2
5

20.

21.

17.

7
02
11

6
01
66

26 7
8

5
09
12

04 2

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13
39

22.

15 1
2

02 3
7

23.

02 1
6
18.

3
30
4
04

5
8

3
02

26 3

14 1
05 1

07 8

28
7

1
03

16.

27
01

00 3

04 2
6
12.

2
02

19
20

14.

6
02

5. 06

00 2

4
5

3
10

03 5
3
02
16

06 1
4. 07

13.

1
01

15
2
3

01 1
7

1
02

3. 08

02 2

2
81
11

2
03
22

24.

6
12
10

2
03
25

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Period

Chapter 3, Lesson 8

Subtraction with Renaming

EXAMPLE
Write this:

4

11

5

11

4

11

15

11

5

11

10

11

EXAMPLE
Remember
15
so
11

4

11

11
,
11
11
.
11

Write this:

2

5

6

15

21

15

6 6

11

15

10

15

2

3

19.

2

5

11

15

11
15

Directions Subtract. Rename when necessary. Simplify your answers.

5
12
13

6
03

5 2
7

16 2
3

15
33
18

10.

7
41
10

03 4
5

2
4
15

3
29
16

11.

2
11
11

15.

6
29
31

21
04
62

4 1
6

20.

3 1
3

1 7
8

21.

5
27
16

22.

4 1
3

02 1
2

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15 3
4

9
05
10

23.

02 7
8
18.

8
02 1

00 8
9
17.

9
8

16.

17 2
03 4

02 4

8
03
22

12.

02 1

02 3
8

04 5
8

00 8
9
6.

14.

02 6
7
5.

6
4

02 1

18 1

45 1

25 1
02 1

3
02
10

05 3
4.

13.

03 4
7
3.

04 6

3
36

3 2
9

02 1
3

24.

4 6
7

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Workbook Activity

Period

Chapter 3, Lesson 9

Multiplication of Decimals

EXAMPLE
Write this:

31.2 0.34
3 1.2
0
00.3 4

12 4 8
9
36

10.6 0 8

1
02

3

Decimal place
Decimal places
Decimal places to be
marked off in the
product counting
from right to left.

EXAMPLE

0.33 0.005

Write this:

.33
00.0
05

0.00 1 65

Sometimes it becomes necessary to insert zeros at the left.

Directions Multiply.
1. 003.4

4. 004.21

7. 0020.34

10. 00.0037

2. 0071.8

5. 0010.8

8. 00.234

11. 00.00319

3. 003.02

6. 004.501

9. 001.03

12. 00.0028

2.6

0.29

0.12

0 3.8

1.71

002.3

010.3

.008

.009

0.019

0.0084

0.072

Directions Write these in vertical form and multiply.

13. 2.034 4.5

19. 0.934 23.1

14. 4.9 0.009

20. 0.0201 0.039

15. 0.004 0.24

21. 0.0031 0.009

16. 49.5 3.4

22. 10.07 0.35

17. 3.405 0.003

23. 129 4.03

24. 0.506 0.0001

18. 0.00391 0.019

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Period

Chapter 3, Lesson 10

Using a Charge Account

EXAMPLE

Ryan has bought supplies for her floral shop on her credit card. She owes
$330.00. The minimum payment due is $40.00. Ryan decides to pay
$80.00. 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
from the balance to
find unpaid balance.
$330 Balance

80 Payment

$250 New Balance

Step 2 Find the interest on

the unpaid balance.
$250

.009

$2.25

Step 3 Add the interest to

the unpaid balance
to the new balance.
$250.00

2.25

$252.25

Ryan now owes $252.25 on her charge account.

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

Balance

Payment

Unpaid
Balance

Interest Rate
per Month

$100.00

$20

1.2%

$1,020.00

$100

1.5%

$450.00

$45

1.6%

$825.00

$85

0.9%

$56.00

$2.80

1.4%

$143.00

$7.15

1.5%

$253.00

$12.65

1.6%

$167.00

$8.35

2.0%

$52.70

$2.64

1.8%

10.

$152.89

$7.64

1.5%

11.

$376.14

$18.81

1.3%

12.

$985.09

$49.25

1.5%

13.

$552.17

$27.61

1.6%

14.

$682.34

$34.12

1.8%

15.

$710.02

$35.50

0.9%

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Interest

New
Balance

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Workbook Activity

Chapter 3, Lesson 11

Using a Layaway Plan

EXAMPLE

Mikkel and his brother Jay bought a house together. They want to invest in an
energy saving refrigerator that costs $899.99. They decide to use a five-month
layaway. They made a 15% deposit. How much do they owe each month?
Step 1 Find the deposit. It is customary to round the amount to the nearest cent.
$900

.15

$135
Step 2 Find the remaining amount to be paid.
$900

135

$765
Step 3 Find the amount of each layaway payment.
$153
5$
7
6
5

Mikkel and Jay will make a $135 deposit and pay 5 layaway payments of $153.
Then they will take their refrigerator home.

Directions Find the deposit and monthly payment for each layaway plan.

Item

Price

Percent
Deposit

Deposit Remainder Number of

Amount
Due
Payments

Air Filter

$249.99

20%

Water Heater

$269.99

33%

Sewing Machine

$175.00

30%

Down Comforter

$159.00

10%

Clothes Dryer

$499.99

15%

Winter Coat

$174.99

15%

Set of Luggage

$249.99

10%

Cooking Pan Set

$179.99

12%

Mountain Bike

$359.99

25%

DVD Player

$229.99

50%

10.

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Payment
Amount

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Chapter 4, Lesson 1

Renting a Home

EXAMPLE

Renters Rule You should spend no more than one weeks income for
a months rent. Xavier earns $2,080 per month. What is the maximum
amount that he should pay for rent?
There are about 4.3 weeks in each month. To estimate Xavier s weekly
income, divide his monthly income by 4.3
$483.72
4.3$
2
,0
8
0
.0
0

Xavier can afford to spend about $484 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
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.

Makayla
Jared
Brooke
Marissa
Ian
Marcus
Devin
Eduardo
Vanessa
Miguel
Wyatt
Isabelle
Lucas
Alexandria
Shelby
Trinity
Kimberly
Blake
Antonio
Fernando

Income

$8,146 per month

$1,256 every two weeks
$18,450 annually
$3,549 monthly
$2,894 biweekly
$6,268 per month
$44,000 annually
$2,025 every two weeks
$1,563 monthly
$28,800 annually
$3,095 monthly
$42,970 annually
$940 every two weeks
$3,564 monthly
$40,600 annually
$2,335 every two weeks
$4,040 monthly
$800 twice a month
$955 twice a month
$32,684 annually

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Maximum Amount for Rent

__________________________
__________________________
__________________________
__________________________
__________________________
__________________________
__________________________
__________________________
__________________________
__________________________
__________________________
__________________________
__________________________
__________________________
__________________________
__________________________
__________________________
__________________________
__________________________
__________________________
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Workbook Activity

Chapter 4, Lesson 2

Buying a Home

EXAMPLE

Bankers Rule You may borrow up to 2.5 times your annual income.
Arianna is buying a home. Her weekly income is $900. What is the
maximum amount that she may borrow?
Step 1: Find annual income
$900 weekly income

52 weeks in a year

$46,800 annual income

Step 2: Apply the Bankers Rule

$46,800

2.5

$117,000

Arianna may borrow up to $117,000.

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.

Renter
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.

Makayla
Jared
Brooke
Marissa
Ian
Marcus
Devin
Eduardo
Vanessa
Miguel
Wyatt
Isabelle
Lucas
Alexandria
Shelby
Trinity
Kimberly
Blake
Antonio
Fernando

Income

$8,146 per month

Annual
Income

Maximum Able
to Borrow

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Chapter 4, Lesson 3

Computing the Down Payment

EXAMPLE

Jesus Morales decided to purchase a townhouse. The price is $83,500.

What is his 18% down payment? How much is left to mortgage?
Step 1 Find the down payment
$83,500
.18

$15,030.00

Step 2 Find amount to mortgage

$83,500

15,030

$68,470

Jesus will make a $15,030 down payment and mortgage the rest, $68,470.

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

Rate of
Down Payment

Down Payment

Mortgage

$53,000

10%

____________________

$65,000

15%

____________________

$67,500

20%

____________________

$69,900

30%

____________________

$74,500

10%

____________________

$86,000

____________________

$99,900

20%

____________________

$101,000

18%

____________________

$105,995

22%

____________________

10.

$109,900

19%

____________________

11.

$115,000

10%

____________________

12.

$116,900

20%

____________________

13.

$118,000

30%

____________________

14.

$119,000

25%

____________________

15.

$120,000

14%

____________________

16.

$123,500

17%

____________________

17.

$125,999

21%

____________________

18.

$159,000

14%

____________________

19.

$179,900

30%

____________________

20.

$180,000

75%

____________________

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Chapter 4, Lesson 4

Paying Mortgages

EXAMPLE

Percentage of Mortgage
Principal Left After 5 Years

James obtained an $84,000, 30-year balloon mortgage at 10.5%

for 5 years. How much does James still owe after 5 years?
Mortgage
$84,000

Rate
10.5%

Term

Term in Years
30

Step 1: Look in the table. Find the percentage at 10.5% for

30 years. The percentage is 96.9%.
Step 2: Multiply $84,000 by 96.9%
$0 0084,000
00000.969
756.000
5,040.000
75,600.000
$81,396.000
The principal remaining at the end of his 5-year balloon
mortgage is $81,396.

Rate

20 Yrs.

30 Yrs.

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

89.8%
90.3%
90.8%
91.3%
91.7%
92.2%
92.6%
93.1%
93.4%
93.7%
94.1%
94.4%
94.7%

96.6%
96.9%
97.2%
97.4%
97.7%
97.9%
98.1%
98.3%
98.4%
98.6%
98.7%
98.8%
99%

Directions Compute the principal remaining at the end of each 5-year balloon mortgage.

Mortgage

Rate

Term in Remaining
Years
Principal

Mortgage

Rate

Term in Remaining
Years
Principal

$79,000

14.5%

14.

$106,000

12%

$89,000

11.5%

15.

$69,000

13%

$42,000

10%

16.

$59,000

12%

$64,000

14%

17.

$84,000

15.5%

$67,000

12.5%

18. $1,056,000

11%

$68,000

14%

19.

$48,000

15.5%

$42,000

15%

20.

$66,000

14%

$55,000

14%

21.

$67,000

14.5%

12.5%

22.

$85,000

11.5%

16%

23.

$67,000

10.5%

$98,000

13.5%

24.

$86,000

10.5%

12. $104,000

10.5%

25.

$78,000

12%

15%

26.

$104,000

15.5%

9. $104,000
10. $781,000
11.

13.

$73,000

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Chapter 4, Lesson 5

Fixed-Rate Mortgage Payments

EXAMPLE

Mortgage
$65,000

Rate
12.75%

Term in Years
25

Monthly Payment to Amortize (Repay)

a Loan of $1,000

Step 1: Look at the table. The payment at

12.75% for 25 years is $11.10.
Step 2: $0011.10
000065

$0721.50
Step 3:

12
000025

300

Step 4: $0721.50
000300

$216,450

Payment for $1,000

(Loan is $65,000)
Payment for $65,000
Months in 1 year
Years
Months in 25 years
Payment for 1 month
Months
Total payment

Term
Rate

20 Years

12.50%
12.75%
13.00%
13.25%
13.50%
13.75%
14.00%
14.25%
14.50%
14.75%

$11.37
11.54
11.72
11.90
12.08
12.26
12.44
12.62
12.80
12.99

25 Years

30 Years

$10.91
11.10
11.28
11.47
11.66
11.85
12.04
12.23
12.43
12.62

$10.68
10.87
11.07
11.26
11.46
11.66
11.85
12.05
12.25
12.45

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

$55,000

13.75%

14.

$46,000

13.5%

$55,000

14%

15.

$46,000

13.5%

$34,000

13.5%

16.

$36,000

14.25%

$34,000

13.75%

17.

$36,000

14.25%

$50,000

14.5%

18.

$65,000

13.25%

$50,000

14.75%

19.

$65,000

13.25%

7. $102,000

14.25%

20. $105,000

13.75%

8. $102,000

14.5%

21. $105,000

13.75%

9. $726,000

14.5%

22.$1,100,000

13.25%

10. $726,000

14.75%

23.$1,100,000

13.25%

11. $108,000

13.5%

24.

$42,000

12.75%

12. $108,000

13.75%

25.

$42,000

12.75%

$57,000

12.75%

26.

$55,000

13.75%

13.

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Workbook Activity

Chapter 4, Lesson 6

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 number 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 6811.

Directions Record the readings on these sample utility meters.

2
3

1 0 9
4 5 6

8
7

9 0 1
6 5 4

2
3

1 0 9
4 5 6

8
7

9 0 1
6 5 4

2
3

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Chapter 4, Lesson 7

Subtraction of Whole Numbers

EXAMPLE
Write this:

30,045 4,857
30,045
04,857

25,188

Minuend
Subtrahend
Difference or Remainder

Directions Subtract.
1. 372 45

15. 102,873 30,475

2. 754 586

16. 340,900 12,009

3. 3,841 548

17. 340,581 93,364

4. 9,004 486

18. 200,319 92,338

5. 3,945 459

19. 300,471 49,284

6. 5,108 4,960

20. 100,000 20,594

7. 4,056 3,506

21. 101,039 39,900

8. 50,400 38,404

22. 944,032 94,475

9. 30,451 5,968

23. 200,341 90,943

10. 84,452 9,574

24. 837,529 84,750

11. 95,068 49,052

25. 838,470 84,757

12. 89,502 9,495

26. 580,334 84,758

13. 490,683 39,475

27. 405,562 393,400

14. 10,237 9,340

28. 344,163 12,419

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Workbook Activity

Chapter 4, Lesson 8

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: $19.68;
caller ID: $8.73; long distance $3.78; and taxes: $0.87.
$19.68
8.73
3.78
.87

$33.06
The total monthly telephone bill is $33.06.

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

1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.

Flat
Rate

Optional
Services

$14.78
$18.34
$24.77
$19.34
$14.55
$18.90
$22.02
$24.11
$13.05
$18.79
$33.71
$19.33
$13.38
$9.22
$7.29
$9.12
$18.73
$14.88
$28.69
$33.68

$14.88
$3.77
$7.39
$6.13
$5.99
$5.08
$4.07
$11.52
$38.41
$9.62
$11.74
$21.94
$12.87
$33.62
$5.81
none
$4.50
$8.37
$9.99
$10.68

Long
Distance

$1.43
$6.09
$11.53
$27.84
$88.92
$127.55
none
$37.67
$44.80
$2.36
$4.87
$9.78
$41.64
$209.76
$123.65
$77.99
$12.09
$2.78
$32.64
$1.11

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Taxes

$0.67
$1.44
$3.27
$7.33
$1.63
$2.79
$3.34
$5.19
$4.78
$0.98
$3.65
$2.87
$3.21
$10.56
$5.76
$4.32
$0.78
$0.56
$1.32
$1.45

Monthly Bill

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Chapter 4, Lesson 9

Mortgage Insurance

EXAMPLE

Franklin had a $75,900 mortgage for a term of 30 years. He died in the

25th year. Use the chart below to find the benefit of his mortgage insurance.
Policy Year
in which
Death Occurs
1
5
10
15
20
25
30

Percent of Mortgage Covered

30
25
20
Year
Year
Year
Term
Term
Term
100%
100%
100%
94%
92%
88%
84%
77%
67%
71%
59%
41%
55%
36%
8%
34%
7%
7%

Step 1 Read Chart

For a 30 year term mortgage,
the benefit in the 25th year is 34%

15
Year
Term
100%
80%
49%
9%

10
Year
Term
100%
66%
12%

Step 2 Multiply the mortgage by 34%

$75,900

.34

$25,806

The insurance company paid a benefit of $25,806.

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

$50,000

_____________________

$45,000

_____________________

$85,000

_____________________

$132,600

_____________________

$10,500

_____________________

$101,900

_____________________

$32,700

_____________________

$87,900

_____________________

$145,800

_____________________

10.

$52,900

_____________________

11.

$98,900

_____________________

12.

$123,500

_____________________

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Workbook Activity

Chapter 4, Lesson 10

Solving for the Percentage

rate

base

percentage

EXAMPLE

23% of 35 is what number?

0.23 35 N
8.05 N

EXAMPLE

2% of 5.8 is what number?

0.02 5.8 N
0.116 N

Step 1: Write the rate as a decimal.

Step 2: Multiply the rate times the base.

Directions Solve for the percentage.

1. 4% of 37 is what number?

15. 40% of 0.92 is what number?

2. 34% of 5.7 is what number?

16. 57.5% of 70.5 is what number?

3. 5% of 6 is what number?

17. 75% of 10 is what number?

4. 7.4% of 200 is what number?

18. 60% of 9 is what number?

5. 25% of 0.57 is what number?

19. 7.2% of 44 is what number?

6. 5.6% of 283 is what number?

20. 5% of 6.9 is what number?

7. 55% of 104 is what number?

21. 41% of 54.18 is what number?

8. 48% of 2003 is what number?

22. 36% of 0.102 is what number?

9. 90% of 203 is what number?

23. 70% of 384 is what number?

10. 0.38% of 74 is what number?

24. 6.3% of 7.02 is what number?

11. 50% of 300 is what number?

25. 0.9% of 7 is what number?

12. 6.01% of 0.01 is what number?

26. 38% of 4.7 is what number?

13. 110% of 90 is what number?

27. 0.5% of 100 is what number?

14. 85% of 3000 is what number?

28. 8% of 16 is what number?

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Chapter 5, Lesson 1

Addition of Whole Numbers

EXAMPLE

234 349 1,603

Write this:

234
349

1,603
2,186

Addends
Sum

Directions Add.
1. 23 48 506

10. 7,834 6,539 92,389

2. 5 94 80 3

11. 283 7,485 3,774

3. 5 74 102 49

12. 560 374 6,005

4. 203 448 509

13. 4,759 5,768 30,481

5. 429 747 67

14. 49,036 87,630 390,476

6. 690 38 441 8

15. 30,457 58,604 80,512

7. 3,594 37 380

16. 38,405 50,067 40,584

8. 405 393 4,488

17. 203,753 859,302 702,641

9. 48,204 74,503 302

18. 5,037,583 7,458,324 37,495,621

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Workbook Activity

Chapter 5, Lesson 2

Purchasing a Used Car

Directions Compute the answers to these problems. Write your answer

on the line.
1. Derek buys a $2,230 car with a $580 trade-in. How much extra money

does he pay?

_________________

2. Lisa agrees to pay $157.28 per month for her car. How much will she

pay in nine months?

_________________

3. Martis car has a sale price of $6,630. How much money does she pay

after a $1,090 rebate?

_________________

4. Tashias car is guaranteed for 30 days or 4,000 miles (whichever comes

first). She bought the car on April 10 with 48,397 miles on it. On May 8,
the odometer reads 52,405. Is the guarantee still in effect?

_________________

5. The ad reads, $725 or best offer. If your offer of $580 is accepted,

how much money will you save?

_________________

6. Calvins car is guaranteed for 30 days or 4,500 miles (whichever comes

first). He bought the car on July 7 with 38,472 miles. On August 7, the
odometer reads 42,950. Is the guarantee still in effect?

_________________

7. The car Andres wants to buy has a list price of $7,614.11. The dealer

will sell it at 5% off. How much must he pay?

_________________

8. Your car invoice reads: Price $1,492.50, dealer preparation $45.00,

transportation $54.50, undercoat $148.80, 60-day guarantee $95.00,

tape deck $238.73. What is the final cost?

_________________

9. When Viviana purchases her car, she agrees to pay $126.00 down and

$108.83 per month for one year. How much will she pay for the car?

_________________

10. Tam paid the dealer $1,410.00 cash for his car. He also paid $40.00 for

license plates, $154.30 for insurance, and 6% sales tax. How much did
Tam pay for all these charges?

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Workbook Activity

Chapter 5, Lesson 3

Financing a Car

EXAMPLE

Antigone purchased a car for $26,500.00 and financed the payments. After paying
a $6,500.00 down payment, she financed the rest for 72 months at $456.49 per
month. What was the deferred price of Antigones car and the total interest she paid?
Step 1 Multiply to find total monthly payments
$456.49 Monthly Payment
72 Months

$32,867.28 Total Monthly Payments

Step 2 Add to find deferred price

$32,867.28 Total Monthly Payments

6,500.00 Down Payment

$39,367.28 Deferred Price

Step 3 Subtract to find Interest Paid

$39,367.28 Deferred Price

26,500.00 Cash Price

$12,867.28 Interest Paid
The deferred price of Antigones car is $39,367.28 and the total interest paid is $12,867.28.

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. $26,000

$6,000

$456.49

2. $14,000

$4,000

$252.13

$9,250

$1,250

$215.67

4. $33,500

$3,500

$613.35

5. $17,999

$2,999

$345.04

6. $23,700

$3,700

$432.05

7. $22,899

$2,899

$366.21

8. $15,500

$5,500

$219.70

9. $21,769

$3,169

$390.29

10. $44,600

$4,600

$912.98

11. $25,800

$5,800

$481.66

12. $17,895

$2,895

$378.20

13. $31,700

$3,700

$621.75

14. $29,999

$2,999

$567.43

15. $15,630

$10,000

$163.34

16. $22,999

$3,999

$457.58

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Workbook Activity

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Chapter 5, Lesson 4

Automobile Liability Insurance

EXAMPLE

Jerod had $100,000/$150,000 liability coverage. He injured three

people in an accident: $30,000; $50,000; and $110,000. Find the
insurance payment. Find Jerods payment.
Coverage:
$100,000/$150,000

Insurance Companys
Payment
Person 1:
Person 2:
Person 3:
Total:

Amounts Due Victims:

$30,000; $50,000;
$110,000

$ 030,000
50,000
100,000

$ 180,000
150,000

$0 30,000

Drivers
Payment
Person 3:
Policy limit*

$ 10,000*
30,000*

$ 40,000*

Policy limit*

*Remember, the insurance company only pays up to the policy

limit. In this case, Jerod would have to pay the $10,000 that goes
over the limit for injury to any one person ($110,000 $100,000
limit), as well as the $30,000 that goes over the policy limit.

Directions For each case below, compute the insurance companys payment
and the drivers payment, if any.

Coverage

Amounts Due Victims

Insurance
Companys
Payment

1. $50,000/$150,000

$20,000; $12,500; $12,500; $60,000

2. $100,000/$150,000

$110,000; $60,000; $103,000

3. $75,000/$125,000

$79,000; $52,500

4. $150,000/$300,000

$120,000; $155,000

5. $75,000/$125,000

$75,000; $81,000; $3,500; $105,000

6. $125,000/$225,000

$112,500

7. $150,000/$250,000

$4,500; $165,000; $90,000

8. $100,000/$150,000

$130,000; $109,000; $5,000

9. $150,000/$200,000

$160,000

10. $150,000/$225,000

$180,000; $6,000; $180,000

11. $50,000/$200,000

$7,000; $60,000; $7,000

12. $75,000/$125,000

$82,500; $52,500; $97,500

13. $100,000/$225,000

$116,000; $50,000

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Payment

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Chapter 5, Lesson 5

Reading an Odometer

EXAMPLE

0 2 8 1 4 4 3
Shanomas odometer reads 28144.3. Write the reading in words.
Step 1 Place the decimal point and a comma in the number.

28,144.3

Step 2 Write the number in words.

The reading is twenty-eight thousand one hundred forty-four and three tenths miles.

Directions Write the odometer reading in words.

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

___________________________________________________________
___________________________________________________________
___________________________________________________________
___________________________________________________________
___________________________________________________________
___________________________________________________________
___________________________________________________________
___________________________________________________________
___________________________________________________________
___________________________________________________________

Directions Round to the nearest thousand miles. Write the number in words.
6. 0 5 7 1 9 2 8
7. 0 8 8 7 6 8 0
8. 1 3 4 2 8 7 4
9. 0 0 2 6 5 0 6
10. 1 2 9 4 4 3 1

___________________________________________________________
___________________________________________________________
___________________________________________________________
___________________________________________________________
___________________________________________________________
___________________________________________________________
___________________________________________________________
___________________________________________________________
___________________________________________________________
___________________________________________________________

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Chapter 5, Lesson 6

Average Miles Driven per Year

EXAMPLE

0 1 4 5 7 9 2

Dakotas odometer reads 14,579.2 miles. His car is 3 years old.

Find the average number of miles he drove per year. Round to
the nearest hundred miles.
Step 1 Divide to the 10 miles place.
4,859.
31
4
,5
7
9
.2

12

25
24

17
15

Step 2 Round off to the 100 miles place.

4,900 miles

Dakota drove an average of 4,900 miles per year.

Directions Find the average number of miles driven per year for each car.
Round your answer to the nearest hundred miles.
Odometer Reading

Age of Car in Years

Average Number of Miles

0 0 2 7 5 8 0

__________________________

0 0 8 5 7 3 7

__________________________

0 8 7 5 6 2 3

__________________________

0 2 6 7 3 0 3

__________________________

1 3 2 5 7 3 8

__________________________

0 0 9 5 3 1 5

__________________________

0 4 6 2 0 4 7

__________________________

0 9 3 4 5 6 2

__________________________

0 3 4 5 7 3 1

__________________________

10.

1 2 3 4 5 8 0

__________________________

11.

1 0 0 3 5 2 6

__________________________

12.

0 5 3 5 1 1 7

__________________________

13.

0 9 8 7 6 2 4

__________________________

14.

0 1 9 6 2 7 0

__________________________

15.

0 4 6 2 8 7 1

__________________________

16.

0 0 0 7 2 6 0

__________________________

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Workbook Activity

Chapter 5, Lesson 7

Number of Miles Traveled

EXAMPLE

Samuels odometer reads 456187.5 at the beginning of a trip. At the

end, it reads 459733.2. How far did Samuel travel to the nearest mile?
To find the distance, subtract the beginning reading from the ending reading.
459,733.2
456,187.5

3,545.7
Samuel traveled 3,546 miles.

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

End

Miles Traveled

004561.9

004783.9

_____________________________

194766.2

195351.6

_____________________________

022945.5

023010.3

_____________________________

010304.0

010728.2

_____________________________

115678.5

116283.4

_____________________________

109357.7

109499.6

_____________________________

034811.9

035168.8

_____________________________

044122.6

046587.3

_____________________________

000347.2

001173.8

_____________________________

10.

045821.5

045911.6

_____________________________

11.

100682.6

101773.2

_____________________________

12.

029613.7

030010.5

_____________________________

13.

075329.4

075987.7

_____________________________

14.

004729.6

013844.4

_____________________________

15.

039559.8

040688.0

_____________________________

16.

107603.4

108933.2

_____________________________

17.

110110.0

120095.7

_____________________________

18.

003526.5

003822.8

_____________________________

19.

035583.2

039533.5

_____________________________

20.

118395.3

120554.7

_____________________________

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Workbook Activity

Chapter 5, Lesson 8

Division of Whole Numbers Without Remainders

EXAMPLE

1,404 6

Write this:

234
6 1
,4
0
4

1,2

20
18

24
24

Divisor

EXAMPLE
Quotient
Dividend

Write this:

3,120 12
260
12 3
,1
2
0

2,4

72
72

11,707 23

EXAMPLE
Write this:

509
23 1
1
,7
0
7

11,5

207
207

Directions Divide.
1. 9 2,
43
9

2. 7 3,
16
4

3. 8 1,
64
8

4. 7 2,
73
7

5. 8 4,
98
4

6. 13 6,
79
9

7. 13 3,
96
5

8. 17 1,
80
2

10. 23 16
,3
30

11. 31 17
,4
84

12. 28 61
,8
80

9. 29 17
,8
35

Directions Write these in the standard form and divide.

13. 4,173 39

14. 8,316 18

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Chapter 5, Lesson 9

Multiplication of Whole Numbers

EXAMPLE

273 49

Write this:

273
00,049

2,457
10,920

13,377

Factors
Partial Products
Product

Directions Multiply.
1.

239
008

402
0084

11.

4,852
0027

203
012

847
0094

12.

9,050
0091

485
031

475
0047

13.

2,961
0102

349
011

485
0051

14.

5,706
0313

803
072

10.

3,102
0018

15.

4,066
0116

Directions Write these in the vertical form and multiply.

16. 3,041 325

17. 4,712 482

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Chapter 5, Lesson 10

Computing the Fuel Needed

EXAMPLE

Twanda is planning a 320 mile trip. Her cars EPA rating is 41 mpg on the highway. How many
gallons of gas will she require for this trip? Round to the nearest gallon.
7.8
413
2
0
.0

~ 8 gallons needed for the trip

Miles

Twanda will need about 8 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

253 miles

22 mpg

_________________________

119 miles

25 mpg

_________________________

610 miles

18 mpg

_________________________

784 miles

32 mpg

_________________________

223 miles

18 mpg

_________________________

483 miles

25 mpg

_________________________

2,194 miles

35 mpg

_________________________

244 miles

33 mpg

_________________________

632 miles

29 mpg

_________________________

10.

2,048 miles

38 mpg

_________________________

11.

653 miles

28 mpg

_________________________

12.

2,639 miles

26 mpg

_________________________

13.

877 miles

39 mpg

_________________________

14.

902 miles

44 mpg

_________________________

15.

1,763 miles

42 mpg

_________________________

16.

3,779 miles

31 mpg

_________________________

17.

3,992 miles

25 mpg

_________________________

18.

14,329 miles

41 mpg

_________________________

19.

296 miles

34 mpg

_________________________

20.

118 miles

14 mpg

_________________________

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Chapter 5, Lesson 11

Computing Average Speed

EXAMPLE

Arthur drives 157 miles in 4 hours and 16 minutes. Find his average
rate of speed.
Step 1 Convert minutes to a
decimal part of an hour
by dividing by 60. Round
to the nearest tenth of an hour

.26 Hour ~ 0.3 Hour

601
6
.0
Minutes

Step 2 Write the hours as a

decimal number.

4 hours and 16 minutes

4 hours 0.3 hours 4.3 hours

Step 3 Divide the miles by the hours

36.5 ~ 37 miles per hour

4.31
5
7
.0

Arthurs average rate of speed is 37 miles per hour.

Directions Find the average speed for these trips. Round your answer to
the nearest mile per hour.
Distance

Time

Average Speed

92 miles

1 hours, 55 minutes

____________________________

437 miles

10 hours, 15 minutes

____________________________

906 miles

30 hours, 30 minutes

____________________________

83 miles

1 hours, 47 minutes

____________________________

143 miles

3 hours, 10 minutes

____________________________

892 miles

25 hours, 15 minutes

____________________________

3,445 miles

86 hours, 14 minutes

____________________________

572 miles

14 hours, 35 minutes

____________________________

998 miles

30 hours, 30 minutes

____________________________

10.

1,653 miles

34 hours, 55 minutes

____________________________

11.

285 miles

5 hours, 16 minutes

____________________________

12.

188 miles

4 hours, 12 minutes

____________________________

13.

621 miles

15 hours, 14 minutes

____________________________

14.

490 miles

9 hours, 30 minutes

____________________________

15.

1,477 miles

29 hours, 30 minutes

____________________________

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Workbook Activity

Chapter 5, Lesson 12

Computing Travel Time

EXAMPLE

Clifford plans a trip of 304 miles. He expects to be able to average 50

miles per hour. How much time should Clifford expect the trip to take?
Step 1 Divide the miles by the
average speed. Round
to the nearest hundredth
of an hour.
Step 2 Convert the decimal part of
the quotient to minutes
by multiplying it by 60.

6.08 Hours
503
0
4
.0
0
Miles

.08 Hour

60 Minutes per hour

4.80 ~ 5 minutes

Cliffords trip should take about 6 hours and 5 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

450 miles

30 mph

_________________________

450 miles

35 mph

_________________________

450 miles

40 mph

_________________________

450 miles

45 mph

_________________________

450 miles

55 mph

_________________________

100 miles

55 mph

_________________________

200 miles

55 mph

_________________________

300 miles

55 mph

_________________________

400 miles

55 mph

_________________________

10.

500 miles

55 mph

_________________________

11.

700 miles

37 mph

_________________________

12.

700 miles

42 mph

_________________________

13.

700 miles

47 mph

_________________________

14.

700 miles

52 mph

_________________________

15.

700 miles

57 mph

_________________________

16. 1,000 miles

55 mph

_________________________

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Chapter 5, Lesson 13

Buying Gasoline

EXAMPLE

Barry has $15.00. He wants to buy gas at $0.999. How many gallons
can he buy?
$0.999 $0.999

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

Step 2 Divide the amount of money
by the price of one gallon of gas.

15.01 ~ 15.0 gallons

.9991
5
.0
0
0
0
0

Barry is able to purchase 15.0 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

$1.029

____________________________

$25

$1.159

____________________________

$35

$1.199

____________________________

$10

$1.059

____________________________

$15

$1.079

____________________________

$25

$1.189

____________________________

$13

$.889

____________________________

$22

$1.219

____________________________

$12

$1.049

____________________________

10.

$16

$1.129

____________________________

11.

$21

$1.149

____________________________

12.

$20

$1.129

____________________________

13.

$30

$1.319

____________________________

14.

$24

$1.279

____________________________

15.

$18

$1.089

____________________________

16.

$1.219

____________________________

17.

$16

$1.139

____________________________

18.

$29

$1.199

____________________________

19.

$33

$1.209

____________________________

20.

$22

$1.099

____________________________

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Chapter 5, Lesson 14

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

Step 2: Find the price of parts and hours

worked from the flat rate chart.

$7 50

HOURS

Rear wheel
45 62

F R I E N D LY M OTO R S

Step 4: Add to find the total bill

DESCRIPTION

Replace PCV valve

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, SERVICE, & PARTS

AUTHORIZED DEALER

1.1

wheel bearings

MECHANICAL LABOR
PARTS
SALES TAX
TOTAL

66 00

$90

$146

Flat Rate Chart

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

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

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
address and date.

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 ZIP CODE ______
PARTS

$ PRICE

HOURS

DESCRIPTION

LABOR

1. Frank Davis

Replace PCV valve

Replace clutch
Replace front brake pads
Complete tuneup

F R I E N D LY M OTO R S

MECHANICAL LABOR
PARTS

SALES, SERVICE, & PARTS

AUTHORIZED DEALER

SALES TAX
TOTAL

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Chapter 6, Lesson 1

Average Calories per Day

EXAMPLE

On seven consecutive days Reynaldo consumed the following

number of calories:
Sunday
2,300
Thursday
3,290
Monday
3,500
Friday
2,095
Tuesday
2,135
Saturday
2,487
Wednesday
1,960
What his average caloric intake per day?
Step 1 Find the total number of calories.
2,300
3,500
2,135
1,960
3,290
2,095

2,487
17,767

Step 2 Divide by 7 days

2,538 Calories per day

71
7
,7
6
7
a
Clo
ri
e
sin

ae
we
k

On average, Reynaldo consumed 2,538 calories per day.

Directions Find the average number of calories consumed per day

in each case. Round your answer to the nearest calorie.

Days
1. Sunday

Monday
Tuesday
Wednesday
Thursday
Friday
Saturday
2. Sunday
Monday
Tuesday
Wednesday

Total
Average
Calories Number
Number
per
of Calories of Calories
Day
in a Week
per Day

3,200
1,975
2,010
2,234
3,610
1,800
2,550
2,478
3,167
2,068
2,173

Days

Thursday
Friday
Saturday
3. Sunday
Monday
Tuesday
Wednesday
Thursday
Friday
Saturday

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Total
Average
Calories Number
Number
per
of Calories of Calories
Day
in a Week
per Day

1,994
2,055
3,605
2,678
2,057
2,145
2,301
3,200
2,804
3,503

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Workbook Activity

Period

Chapter 6, Lesson 2

Renaming to Lowest Terms

EXAMPLE

12

16

12 4
3

16 4
4

EXAMPLE

2
2
311
3 11
3 34 334
6
6

Divide the numerator and the

denominator by 4 because 4
is a common factor of 12 and 16.

2
Rename 11
as shown in
6
the first example.

Directions Rename each fraction to the lowest terms.

8
10

28
38

17.

26
36

18. 6

52
64

19. 17

13
65

20. 11

9
21

21.

22.

10
12

10.

12
36

11.

16
18

12.

22
44

13.

10
16

14. 2

2. 10

14
35

14
18

33.

28
35

34.

84
108

35.

25.

26.

18
63

48
72

27.

2
10

28. 9

36.

18

81

29.

32
48

37.

27

81

30.

56
63

38.

16
24

23.

40
56

31.

15
51

39. 7

15
21

24.

24
56

32.

45
57

40. 23

20
42

15.

14
22

16.

8. 8

30
54

5
25

7. 3

42

57

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12
20

54
68

72
104

60
84

39
91

28
42

76
84

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Workbook Activity

Period

Chapter 6, Lesson 3

The Key to Proportion

EXAMPLE

You can use cross products to find an unknown term in a proportion.

2
0

2

5

Step 1 Find one cross product.

5
20

2 20 40

Step 2 To find the missing term, divide the cross product by the other term.
2

5
20

8 Missing term
54
0
Cross product

Step 3 Write the complete proportion.

2

5

28
0

Step 4 Check by comparing cross products.

2
8

5
20
58

2 20

Directions Find the unknown term in each proportion.

1
3

2
7

3
4

2
6

2
4

6
18

17.

5
20

14.
30

18.

9
7

15.

19.

9
7

12.

2
5

16.

4
9

20.

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3
5

11.

3
7

9
45

5
16

10.

2
5

13.

16
32

48
90

108
18

18
24

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Workbook Activity

Period

Chapter 6, Lesson 4

Division of Fractions

EXAMPLE

Divisor
5

6

17

0

Write this:
3

5

6

0
Rule: Invert the divisor 17
to 17
and multiply.
0
5

0
5
17
22
124
1
1

212 314

EXAMPLE
Write this:

5

2

3
14

5

2

0
14
11
3
3

Express mixed numbers as improper fractions.

Invert the divisor. Then multiply. Simplify if possible.

Directions Divide. Simplify your answers.

5
7

5
6

3
5

1
5

2
7

4
14

5
8

6
8

8
9

5
6

7
10

14
25

19. 2

5
6

13
12

20. 8

1
5

22
10

21. 5 1

2
5

34
15

22. 7

14. 1

12
18

15. 2

10.

2
3

1
5

16. 3

8
9

17. 1 1

4
9

11. 1

3
13

2
5

12.

3
8

6
9

7
18

3
4

13. 2

10
11

5
6

5
8

3
7

2
3

13
18

1
3

2
4

3
5

14
30

2
6

2
8

2
7

1
5

23. 5

2
7

2
8

24. 9

18. 3 1

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Workbook Activity

Period

Chapter 6, Lesson 5

Renaming Fractions as Percents

EXAMPLE

Rename 67 as a percent.

Step 1 Divide the numerator by the
denominator and round to the
nearest thousandths.

Step 2 Move the decimal point two

places to the right and write a
percent symbol.

0.8571 0.857
7 6
.0
0
0
0

5
6

40

35

50

49

10

7

0.857

85.7%

Move two
places.

Write the
% symbol.

11
13

21.

10
11

22.

1
9

23.

7
9

24.

4
9

25.

Directions Rename these fractions as percents.

7
8

2
3

4
5

6
9

1
3

10.

5
12

11.

3
5

16.

6
13

12.

2
9

17.

4
7

13.

5
16

18.

2
7

14.

2
11

19.

5
8

15.

7
13

20.

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5
11

4
13

1
6

2
13

5
14

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Workbook Activity

Period

Chapter 6, Lesson 6

Fat Grams and Calories

EXAMPLE

Dontee eats some pepperoni pizza. In a slice of pizza, there

are 306 calories and 18 grams of fat. Each gram of fat supplies
9 calories. What percent of the calories in the pizza are from fat?
Step 1 Find the number of calories from fat.

Step 2 Write the fat proportion.

18g x 9 = 162 calories from fat

Step 3 Simplfy the ratios

162

306
9

17

F at calories

Total calories

percent fat

100

162

306

percent fat

100

Step 4 Solve the proportion

percent fat

100

9 100 17 53%

percent fat

100

The fat calories are 53% of the pizza.

Directions Find what percent the fat calories are of the total calories
in each food. Round to the nearest whole percent.
Total calories
per serving

Grams of fat
per serving

1. Bagel, 1-3 diameter

163

1.4 g

2. Pita bread, 1 oz

0.3

3. Hamburger roll

123

2.2 g

4. Croissant, 1 oz

115

6.1 g

5. Pancakes, 2 plain

166

5.8 g

6. Waffle, 1 frozen

103

3.5 g

7. Muffin, 1 blueberry

110

4.0 g

8. English muffin

133

1.0 g

9. Green beans, 1 c cooked

0.2 g

10. Broccoli, 1 c raw

0.3 g

11. Cauliflower, 4 oz Raw

0.2 g

1
12. Celery, c raw
2

0.1 g

13. Spinach, 1 c cooked

0.4 g

14. Peach, 1

0.1 g

15. Pear, 1 Bartlett

0.7 g

Food

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Percent of Fat
per Serving

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Workbook Activity

Chapter 6, Lesson 7

Exercise and Calories

EXAMPLE

According to the National Institutes of Health, the average number of

calories spent per hour by a 150-pound person who rides a bicycle 6 miles
per hour is 240 calories. The calories spent in a particular activity vary in
proportion to ones body weight. For example, a 100-pound person burns
1
1
fewer calories, and a 200-pound person burns more calories.
3
3
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.
100-pound person
Think: 13 fewer is about 33% fewer. Multiply by 100% minus 33%, or 67%

240 calories per hour 67% 240 0.67 160.8 161 cals./hr

200-pound person
Think: 13 more is about 33% more. Multiply by 100% plus 33%, or 133%
240 calories per hour 133% 240 1.33 319.2 319 cals./hr
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 (1 hour)
1.
2.
3.
4.
5.
6.
7.
8.

Running in place
Running 10 mph
Swimming 25 yds/min.
Swimming 50 yds/min.
Tennis-singles
Walking 2 mph
Walking 3 mph
Walking 4 1/2 mph

Calories burned by Calories burned by Calories burned by

150-lb person
100-lb person
200-lb person

650 cals./hr
1,280 cals./hr
275 cals./hr
500 cals./hr
400 cals./hr
240 cals./hr
320 cals./hr
440 cals./hr

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Chapter 6, Lesson 8

Excercising to Lose Weight

EXAMPLE

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.
Ricardo swims for 2 hours. How much weight
does he lose? Use the chart to find the number
of calories used in 1 hour.
Step 1
500
0002

1,000

Step 2
Calories
1,000

Hours
3,500
Total calories used

10
2

35
7

Calories Used in One Hour

Activity

Calories

Tennis
Bicycling
Golf
Swimming
Walking
Running
Heavy exercise

500
500
350
500
300
700
1,200

Ricardo loses 27 pound.

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

Weight Loss

1. Abdul plays golf for 4 hours.

2. Maria swims for 3 hours.

3. Millard plays tennis for 6 hours.

4. Racquel walks for 6 hours.

5. Rudy bikes for 3 hours.

6. Nikki runs for 2 hours.

Directions Change each answer to a mixed number in lowest terms.

Monthly Exercise

Weight Loss

1. Brandon runs for 11 hours.

2. Suki plays tennis for 31 hours.

3. Robert walks for 77 hours.

4. LaToya does 21 hours of heavy exercise.

5. Christen bikes for 18 hours.

6. Shiro swims for 42 hours.

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Period

Chapter 6, Lesson 9

Multiplication of Fractions
2

5

EXAMPLE
OR

2

5
1

numerator times numerator

0
0
11
26
14
3
3
5

denominator times denominator

0
11
14
3
3

0
Because 15
21

212 223

EXAMPLE

5

2

0
83 23
623

Because 82 41

Directions Multiply. Simplify your answers.

5
6

2
3

4
5

3
4

9. 2

7
8

5
14

10. 3

3
8

10
12

11. 3

7
13

2
7

12. 1

3
11

22
24

13. 1 2

6
13

5
12

14. 1 2

9
10

3
5

5
18

15. 2 1

2
7

1
2

4
5

16. 3

2
3

3
5

17. 4

2
7

1
4

18. 2

4
8

1
9

19. 5

2
3

5
1

22.

2
5

15
17

23. 3

3
4

4
5

24. 4 5

3
7

2
17

25. 7 3

2
7

1
7

26. 4 1

1
5

2
3

20. 10

2
3

1
6

1
3

21. 3 1

1
7

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1
2

6
1

3
5

1
2

2
5

2
3

15
16

27. 4

1
5

1
2

7
11

28. 30

1
2

2
3

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Chapter 6, Lesson 10

Meal Preparation Time

EXAMPLE

Elijah wants to make a turkey. He plans 35 minutes to prepare the

stuffing and to stuff the bird. It must cook 25 minutes per pound
and it weighs 13 lb 14 oz. After it roasts, the turkey must stand
25 minutes before carving. Carving should take about 15 minutes.
How much time should Elijah allow to prepare the turkey?
Step 2 Find the roasting time required.
Multiply the weight by cooking
time per pound.

Step 1 Find the weight of the bird in lb

Convert oz to lb
4
14 oz 11
lb
6

7

8

13.875 weight

25 minutes per pound

346.875 347 minutes

.875 lb
Add .875 lb to 13 lb

Divide by 60 minutes per hour

5 hours
603
4
7

300

47 minutes left over

The turkey weighs 13.875 lb

Step 3 Find the total minutes required.
35 minutes for stuffing
5 hours 47 minutes roasting
25 minutes standing
15 minutes carving
5 hours 122 minutes

Elijah should allow about 7 hours

to prepare the turkey.

Rename 122 minutes to 2 hours 2 minutes

5 hours 2 hours 2 minutes 7 hours 2 minutes.

Directions Find the cooking times below.

Weight
of Roast

Roasting
Time

Preparation and
Standing Time

1. 4 lb

25 minutes per lb

35 minutes

2. 4 lb 8 oz

15 minutes per lb

1 hour 10 minutes

3. 3 lb 5 oz

20 minutes per lb

25 minutes

4. 2.41 lb

18 minutes per lb

15 minutes

5. 1.43 lb

25 minutes per lb

28 minutes

6. 12 lb 9 oz

15 minutes per lb

1 hour 45 minutes

7. 6 lb 4 oz

35 minutes per lb

35 minutes

8. 3.78 lb

20 minutes per lb

45 minute

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Total Time
Required

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Workbook Activity

Chapter 7, Lesson 1

Solving for the Base

EXAMPLE

rate

base

percentage

24% of what number is 12.96?

0.24 N 12.96
N 12.96 0.24
N 54

Step 1 Write the rate as a decimal.

Step 2 Divide the percentage by the rate.
Step 3 Round the quotient if required.

2.7% of what number is 102?

(Round to the nearest whole number.)
0.027 N 102
N 102 0.027
N 3,778

3777.7
0.027 1
0
2
.0
0
0
0

Directions Solve for the base. Rounding is not needed.

1. 12% of what number is 18?

6. 7% of what number is 1.4?

2. 6% of what number is 7.2?

7. 4% of what number is 3.68?

3. 10% of what number is 17.5?

8. 88% of what number is 95.04?

4. 2.8% of what number is 2.8?

9. 6.2% of what number is 0.434?

5. 8.3% of what number is 0.747?

10. 1.4% of what number is 1.022?

Directions Solve for the base. Round the base to the nearest
whole number.
1. 7% of what number is 67?

6. 86% of what number is 9?

2. 39% of what number is 20?

7. 0.69% of what number is 2?

3. 9.6% of what number is 80?

8. 7% of what number is 28?

4. 48% of what number is 53.2?

9. 5% of what number is 5?

5. 2% of what number is 60?

10. 4.2% of what number is 0.6?

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Workbook Activity

Chapter 7, Lesson 1

Refunds for Repossessions

EXAMPLE

Rebecca made total payments of $832 on a TV before it was

repossessed. The resale price was $419. The original price was
$1,200. The repossession and resale costs were $13 and $10.
What was Rebeccas refund?
Total Payment
$832
Step 1

Resale Price
$419

$832

419

$1,251

Original Price
$1,200

Step 2 $1,200
13

10

$1,223

Repossession
and Resale Costs
$13, $10
Step 3 $1,251
1,223

$1,228

Refund

Rebeccas refund was $28.00.

Directions Compute the refund for each of the following examples.

Total
Payment

Resale
Price

Original
Price

Repossession and
Resale Costs

Refund

$1,086

$619

$2,112

$11, $6

$1,507

$718

$1,772

$22, $9

$712

$256

$815

$18, $5

$814

$320

$945

$18, $9

$1,281

$418

$1,644

$13, $13

$763

$251

$965

$26, $7

$1,183

$542

$1,794

$17, $13

$466

$763

$943

$27, $5

$532

$203

$982

$10, $7

10.

$948

$544

$1,850

$15, $11

11.

$464

$246

$757

$20, $12

12.

$1,803

$501

$2,298

$17, $12

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Chapter 7, Lesson 2

Total Payments for Purchases

EXAMPLE

Larry financed $3,400 worth of furniture

at 18% interest for 30 months. Find
Larrys total payment.
Amount
$3,400

Rate
18%

Months
30

Step 1 Look in the table. The

payment at 18% for
30 months is $4.17.
Step 2 Divide to find how many
$100s are in $3,400.
$3,400 $100 34
Step 3

$4.17
0
000034

$ 141.78
$ 141.78
0000030

$4,253.40

Payment for $100

$100s in $3,400
Payment for $3,400
Monthly payment

Monthly Payments for Each $100 Financed

Rate

12 Mo.

18 Mo.

24 Mo.

30 Mo.

36 Mo.

42 Mo.

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

$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

$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

$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

$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

$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

$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

Months
Total payment

Larrys total payment is $4,253.40.

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

Amount

Rate

Months

Total
Payment

Amount

Rate

Months

Total
Payment

1. $3,600

23%

11. $1,500

2. $3,300

24%

12. $1,300

18%

3. $8,400

21%

13. $1,700

18%

4. $6,300

22%

14. $4,900

25%

5. $3,000

16%

15. $1,900

6. $1,300

16. $7,400

19%

7. $5,600

25%

17. $8,300

11%

8. $9,300

21%

18. $1,200

9. $5,500

23%

19. $5,600

10. $4,400

20. $1,300

15%

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Chapter 7, Lesson 3

The Key to Area

EXAMPLE

Rectangle
Rule To find the area of a rectangle,
multiply the length and width.

Square
Rule To find the area of a square,
square the side.

A l w 6 3 18 square inches

A s2 32 3 3 9 square inches

Directions Draw the figures in the area provided or on grid paper.

Then find the areas of the figures.
Dimensions
1.

l 5" w 4"

l 6" w 1"

l 3' w 2'

l 29" w 12"

l 53' w 41'

s 2"

s 7"

s 11"

s 9"

10.

s 38'

11.

l 3" w 5"

12.

l 1" w 4"

13.

l 7' w 3'

14.

l 27" w 11"

15.

l 36' w 40'

16.

s 6"

Draw Figures

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Area of Figures

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Chapter 7, Lesson 4

Review of Basic Operations with Whole Numbers

1. 25 341

25. 8,371 578

2. 304 23

26. 56,571 65

3. 1,002 384

27. 4 23 405 933

4. 26,261 25

28. 37 14 35

5. 3,020 105

29. 9,832 293 39,441

6. 80,345 2,934

30. 5,761 384 481

7. 7,022 68

31. 304 35 27 83

8. 8,054 112

32. 144,144 36

9. 55,067 399 944

33. 80,028 29,388

10. 49,322 33

34. 60,021 847

11. 49,338 9,442

35. 102,283 23,384

12. 38 12 19

36. 302 21 9

13. 9,122 8

37. 11,028 983

14. 30,091 28,949

38. 42 6 81 923

15. 7,456 234 283

39. 90,000 100

16. 801 20 10

40. 499 76 22 274

17. 288 942 9,511

41. 30,022 29

18. 40,013 23,471

42. 5,058 501

19. 674 85 495

43. 58,007 12

20. 98,003 83,741

44. 40,596 293 948

21. 40,591 3

45. 40,591 2,935 47,501

22. 5,900 400

46. 846,102 14

23. 10,384 200

47. 875 4,059 2,374

24. 40,513 39

48. 60,900 5,002

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Chapter 7, Lesson 5

Buying Paint

EXAMPLE

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

paint in 11 individual quart cans or to buy it in both gallon and
quart cans. Here are the facts:
4 quarts 1 gallon
1 quart costs $4.39
1 gallon costs $13.99
What should April do?
Step 1 Find the cost
of 4 quarts.
$4.39

11

$48.29

Step 2 Find out how many

gallons to buy.
2 Gallons
41
1

8

3 Quarts

Step 3 Find the cost.

Two gallons and 3 quarts

are equal to 11 quarts.

$13.99

2

$27.98

Cost per gallon

$4.39

3

$13.17

Cost per quart

$27.98

13.17

$41.15

Cost of 2 gallons

Cost of 3 quarts

Cost of 3 quarts
Total cost

April should buy 2 gallons and 3 quarts.

Directions Complete this chart.

Remember: 1 gallon costs $13.99 and 1 quart costs $4.39.
Quarts
Required
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.

Amount to Buy
Gallons
Quarts

Cost
Gallons

Quarts

Total

9
20
26
17
7
50
33
47
38
3

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Chapter 7, Lesson 6

Buying Wallpaper

EXAMPLE

Peter plans to paper his bedroom, which measures 10 x 12

by 10. How much wallpaper should he buy? Each double roll
of wallpaper covers 144 square feet.
Step 1 Find the perimeter of a floor 10 x 12.
P 2(10 12)
2(22)
44
Step 2 Find the area of the 4 walls.
Multiply the perimeter by the height.
44
Perimeter

10
Height

440 sq ft
Area of 4 walls
Step 3 Divide the area by 144 square feet to find the number
of rolls needed.
3
rolls of wallpaper
1444
4
0
Area of room
432

8 Square feet remaining
Because of the remainder, Peter needs to buy 4 rolls.

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.
Room
Dimensions
1.

17 9 8

11 13 8

16 12 8

6.5 9 8

12.4 14.6 10

7.7 10.6 10

26 15.2 8

35 10.5 10

Number of Double Rolls

of Wallpaper Required

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Chapter 7, Lesson 7

Covering the Floor

EXAMPLE

Soo Lee decides to buy square tiles to cover her kitchen floor.
Each square measures 12 12 and costs $1.49. How much
will it cost to cover her 9 8 floor?
Step 1 Find the area that each
tile covers.

Step 2 Find the number of

square feet of floor
that needs to be
covered.
Area l w
9 8
72 square feet
Since each tile covers
1 square foot, Soo Lee
needs 72 tiles.

12 inches 1 foot
1 1 1 square
foot

Step 3 Multiply the number

of tiles by the cost
per tile.
$1.49 Cost per tile

72 Number of tiles

$107.28 Total cost

Soo Lee will pay $107.28 to cover her floor.

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

Cost
per Tile

Floor Dimensions
(in feet)

$0.79

$1.59

$2.89

$1.95

$1.69

$0.75

$2.99

$4.59

$3.19

10.

$1.19

11.

$5.29

12.

$3.09

13.

$0.89

14.

$1.49

15.

$2.49

16.

$4.99

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Cost
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Chapter 7, Lesson 8

Computing Length of Molding

EXAMPLE

Mary Lou wants to finish her kitchen by installing molding

around the room. How much quarter-round molding should
she buy for the 12 7 room?
Find the perimeter of the room.
P 2(l w)
2(12 7)
2(19)
38

7
12

Mary Lou needs 38 feet of molding.

Directions Calculate the amount of molding needed for each of these rooms.
Dimensions of Room
1.

11 7

17 7

10 14

9 15

12 20

8 12

13 16

17 17

8 11

10.

13 13

Diagram of Room

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Molding Needed

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Chapter 7, Lesson 9

Wall-to-Wall Carpeting

EXAMPLE

Yoku wants wall-to-wall carpeting in his room, which

measures 8 x 11. Carpeting is on sale for $11.99 per square
yard. Estimate the cost. Round answers where possible.
Step 1 Find the area of the
floor in square feet.
Area l w
11 8
88 square feet

Step 2 Find the area in square

yards. One square
yard 9 square feet.
Divide by 9 to find the
number of square
yards. Round 9 sq yd
and 7 sq ft to
10 sq yd
9 sq yd 10 sq yd
8

98

81

7 sq ft

Step 3 Round the cost per

square yard to the
next whole number.
Multiply the number
of square yards by the
cost per square yard.
$11.99 $12.00
10 $12.00 $120.00

Yokus estimated cost is $120.00.

Directions Estimate the cost of carpeting these floors.

Floor Dimensions

Cost per Square Yard

$13.99

$9.97

$11.95

113

158

$12.98

147

175

$14.99

$6.90

1610

$8.95

$18.99

115

159

$10.99

10.

129

1410

$16.97

11.

156

$10.89

12.

$14.95

13.

$9.90

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Estimated Cost

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Chapter 7, Lesson 10

Find the Selling Price

EXAMPLE

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

consider 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
$25.04

Overhead
18%

Profit
10%

Step 1 Add the percentages for Step 2 Multiply the cost by the Step 3 Add the cost and
overhead and for profit.
percentage.
the markup.
18%
10%

28%

$025.04
00
0.28

$7.0112 7.02 Markup

Overhead
Profit
Markup percent

$25.04
07.02

Cost

$32.06

Selling price

Markup

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

$5.87

31%

19%

$4.80

10%

12%

$17.81

12%

$11.83

36%

10%

$6.88

19%

$17.69

27%

18%

$18.11

20%

26%

$16.65

12%

33%

$4.24

23%

14%

16.6%

16%

10. $220.00
11.

$2.63

35%

12.

$3.55

34%

19%

13.

$13.12

22%

14.

$15.90

27%

16%

15.

$9.79

10%

14%

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Chapter 7, Lesson 11

Insulation

EXAMPLE

Prices for Rolls of Insulation

BRAND
Size of Rolls
Cost of Rolls

Brand A
99 sq. ft.
$1995

Brand B
110 sq. ft.
$2679

Brand C
59 sq. ft.
$1595

Brand D
48 sq. ft.
$1679

Petera plans to put Brand A insulation in her attic. How much

will it cost? The dimensions are as shown.
Step 1 Divide the
irregular
figure into
rectangles

Step 4 Add these areas to find the total area.

30'

23'
10'

460 sq ft
810 sq ft

1,270 sq ft

27'

Step 2 Find the

missing
dimensions.

Step 5 Divide the total area by the number

of square feet per roll of insulation.
20'

12.8
,2
7
0

991

A
B

23'

30'

13 rolls
Round up for any remainder.

10'
27'

Step 3 Find the areas.

Area A l w
23 20
460 sq ft

Step 6 Multiply the cost per roll times the

number of rolls of insulation needed.
$19.95
13

$259.35

Area B l w
30 27
810 sq ft

Cost per roll

Number of rolls
Total cost to insulate attic

It will cost Petera $253.25 to insulate her attic.

Directions Find the cost of insulating each of these attics. Round your
answers to the nearest cent.
1. Brand A

2. Brand C

3. Brand A

4. Brand B
63'

55'

26'
18'

31'

25'

21'

31'

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21'
24'

26'

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Chapter 7, Lesson 12

Seeding Lawns

Amalie wants to reseed her lawn. She selects variety E, Generic Seed.
The total area of her property is 600 m2. Her house and driveway cover
150 m2. What does the seed cost?

Step 1

Find the area to be seeded. Subtract the area of the house and driveway
from the total area.
600 m2

150 m2

450 m2 Area to be seeded.

Step 2

Lawn
House
Driveway

EXAMPLE

Find the number of bags of seed needed. Divide the area to be seeded
by the coverage per bag. Round your answer to the next bag.
1.125 2
400 4
5
0
.0
0

Step 3

Multiply the cost per bag by the number of bags needed.

$5.69 Cost per bag

2 Number of bags

$11.38 Total Cost
The cost of seed for Amalies lawn is $11.38.

Directions Find the cost of seed for each of these lots.

Area of Lot

Area of House
and Driveway

1. 1,000 m2

100 m2

975 m2

75 m2

827 m2

129 m2

4. 2,010 m2

68 m2

5. 1,575 m2

103 m2

6. 1,500 m2

500 m2

870 m2

70 m2

8. 1,250 m2

200 m2

9. 2,100 m2

90 m2

10. 1,025 m2

95 m2

Coverage Rates

Variety of Seed
Variety

A. Shady Seed
B. Show Seed
C. Hardy Seed
D. Kentucky
Bluegrass Seed
E. Generic Seed

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Coverage
per Bag

Cost
per Bag

275 m2
200 m2
450 m2
400 m2

$11.79
$7.59
$9.99
$10.49

400 m2

$5.69

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Chapter 7, Lesson 13

Fencing an Irregular Area

EXAMPLE

Janet and Ken want to fence in their back yard. Find the length
of fencing needed for their back yard.
Step 1 Find the perimeter of the yard.
P 2(l w)
2( 90 ft 50 ft)
2 (140 ft)
280 feet

90'
50'

Step 2 Subtract the width of the house.

280 ft Perimeter of yard

54 ft Width of house

226 ft Amount of fencing needed

54'

Janet and Ken need 226 feet of fencing.

Directions Find the length of fencing needed for each of these yards.
1.

60'

90'

40'
70'

40'

90'
60'

30'

100'

60'

40'

80'

20'

60'

36'

42'

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Chapter 8, Lesson 1

Using Map Scales

EXAMPLE

Mercedes is planning a road trip from Baltimore to Chicago.

On the map the two cities are 4 1/16 inches apart. The map
is drawn to scale so that 11/16 inch equals 100 miles. Estimate
the distance between these two cities.
Step 1 Write the map scale proportion.

Step 2 Solve the proportion.

411

6

100 Baltimore to Chicago

411

6

100 Baltimore to Chicago

11

16

1
100 411
11

6
6
5
1
100 61
11

6
6
5
6
100 61
11

6
1

100 65 11 591 miles

Mercedes estimates that her trip will be about 591 miles.

Directions Find the estimated distance between the following cities

using the map scale of 1116 inch 100 miles.
Departure
City

Destination
City

Distance
On Map

Portland, ME

Portland, OR

1658

Columbia, MI

Columbia, SC

21156

Springfield, MO

Springfield, MA

71116

Springfield, MA

Springfield, IL

Springfield, MO

11136

Springfield, MA

Springfield, OH

418

Augusta, GA

Augusta, ME

61116

Marietta, OH

Marietta, GA

21136

Estimated
Distance

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Chapter 8, Lesson 2

Reading a Mileage Chart

Mileage Chart

EXAMPLE
Albany,
NY
Albany, NY

Albuquerque,
NM

Atlanta,
GA

Birmingham,
AL

Calgary,
AB

2,050

1,000

1,070

2,450

1,400

1,250

1,500

150

2,370

Albuquerque, NM

2,050

Atlanta, GA

1,000

1,400

Birmingham, AL

1,070

1,250

150

Calgary, Alberta

2,450

1,500

2,370

2,300
2,300

Gianni plans a road trip from Atlanta, GA, to Albany, NY, to Birmingham,
AL, and back to Atlanta. Find the total distance Gianni will dirve.
Step 1: Find the individual trips distances
on the Mileage Chart.
Atlanta to Albany
1,000
Albany to Birmingham 1,070
Birmingham to Atlanta
150

Step 2: Add the distances to find the

total for the trip.
1,000
1,070

150

2,220 miles

Gianni will drive 2,220 miles on this round trip.

How many kilometers will Gianni travel?
To change miles to kilometers, multiply by 1.6093.
2,220 x 1.6093 = 3,573
Gianni will travel 3,573 kilometers on this round trip.

Directions Find the total number of miles and kilometers traveled on each trip.

1.
2.
3.
4.

City of Origin

Stop-Over City

Destination

Albany, NY
Albuquerque, NM
Atlanta, GA
Birmingham, AL

Atlanta, GA
Birmingham, AL
Birmingham, AL
Albany, NY

Albany, NY
Atlanta, GA
Calgary, AB
Calgary, AB

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Total Miles

Total Kilometers

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Chapter 8, Lesson 3

Elapsed Time

EXAMPLE

Find the elapsed time from 7:35 A.M. to 1:15 P.M.

Step 1 Rename 1:15 P.M. to 24 hour clock by adding 12 hours.
1:15 P.M. 13 hours 15 minutes
Step 2 Subtract earlier time from later time. Rename 1 hour 60 minutes, if necessary.
13 hours 15 minutes 12 hours 75 minutes

7 hours 35 minutes
7 hours 35 minutes

5 hours 40 minutes
The elapsed time from 7:35 A.M. to 1:15 P.M. is 5 hours and 40 minutes.

Directions Solve the following problems. Rename afternoon hours to

24 hour clock, if necessary. Rename one hour to 60 minutes
when necessary.
1.

1:05 P.M.
4:40 A.M.

2:10 P.M.
9:15 A.M.

10:04 P.M.
2:18 A.M.

1:15 P.M.
8:45 A.M.

1:35 P.M.
9:50 A.M.

8:55 P.M.
1:51 P.M.

6:10 P.M.
8:06 A.M.

4:17 P.M.
9:43 A.M.

9. From 10:34 A.M. to 1:19 P.M.

10. From 6:51 A.M. to 2:54 P.M.
11. From 12:22 P.M. to 7:31 P.M.
12. From 8:15 P.M. to 10:19 P.M.
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Chapter 8, Lesson 4

Bus Travel Times

EXAMPLE

Rules:
1. To find departure time, subtract the duration hours and
minutes from the arrival time.
2. To find arrival time, add duration to the departure time.
3. To find the duration time, subtract the departure time
from the arrival time.
Find the arrival time if the duration of the trip is 3 hours and
45 minutes and the departure time is 9:15 P.M. Use rule 2.
9:15 P.M.

3:45 duration

12:60 13:00 1:00 A.M., the next morning

Directions This table represents times for a bus trip between New York
and Baltimore. Fill in the table below with the correct missing
times. On the back of this paper, write what you think might
cause the differences in the duration times for this trip.
Departure Time

Arrival Time

Duration of Trip

02:00 A.M.

3 hours, 40 minutes

05:05 A.M.

4 hours, 55 minutes

06:40 A.M.

4 hours, 5 minutes

11:45 A.M.

4 hours, 10 minutes

01:20 P.M.

3 hours, 45 minutes

04:00 P.M.

3 hours, 59 minutes

01:30 P.M.

05:30 P.M.

03:35 P.M.

07:50 P.M.

04:00 P.M.

08:20 P.M.

10.

09:30 P.M.

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3 hours, 55 minutes

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Chapter 8, Lesson 5

Hotel Rates

EXAMPLE

Lizette and her husband stay in a hotel with their 3 children.

The room rate is $224 per night. There is a 12% room tax.
What is their charge for a 3-night stay?
Step 1 Find the total room charge.
$224 per night
3 nights

$672 room charge

Step 2 Add the tax.

100% for the room plus 12% for the tax 112%
$672 112% $752.64

The total cost for Lizettes family to stay in the hotel room for 3 nights is $752.64

Directions Find the room charge and total cost for these problems.
Room Rate

Nights

Room Charge

$205

10%

$102

25%

$305

11%

$156

14%

$187

12%

$192

13%

$155

12%

$193

15%

$372

21%

10.

$1,547

17%

11.

$208

15%

12.

$166

12%

13.

$109

18%

14.

$325

15%

15.

$199

12%

16.

$904

20%

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Percent Tax

Total Cost

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Chapter 8, Lesson 6

Division Practice

EXAMPLE

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

notice each division and place a zero correctly.
109
171
,8
5
3

1
7

15
0

153
153

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

Directions Divide
1.

661
2

1010
,9
00

810
,4
32

55,
10
0

613
,2
54

46,
42
0

127,
22
4

1537
,5
00

218,
48
4

10.

267,
82
6

11.

4343
,1
29

12.

1814
,0
40

13.

245,
04
0

14.

6118
,4
83

15.

1938
,1
33

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Chapter 8, Lesson 7

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 75 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 $75 632.25 kroner 632
William will receive 632 kroner in exchange for 75 U.S. dollars.

Directions Find the amount of native currency that will be exchanged

for $75 U.S. Use the chart above.

Country

1.
2.
3.
4.
5.
6.

Australia
Brazil
Britain
Canada
China
Denmark

Number of Units
That Equal
75 U.S. Dollars

Country

7.
8.
9.
10.
11.

632 kroner

12.

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Number of Units
That Equal
75 U.S. Dollars

Japan
Mexico
South Africa
Sweden
Switzerland
Thailand

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Workbook Activity

Chapter 8, Lesson 8

Computing Rental Charges

EXAMPLE

Sweet Tooth Bakery rented a van for $30 per day and $0.32
per mile. Find the rental charge for six days and 602 miles.
$030 Per day
006
Days
$180 Day charge

$0 0602
000.32

12.04
180.60

$192.64

Miles
Per mile

$ 180.00
192.64

$ 372.64

Day charge
Mile charge
Total

Mile charge

Sweet Tooth Bakerys rental charge was $372.64.

Directions Compute the rental charge for each item below. The
answer to Number 1 is $236.20.
Cost
Days

Cost
per Day

Cost
per Mile

Rental
Driven

Charge

$30

$0.28

415

$29

$0.27

156

$21

$0.30

150

$21

$0.19

719

$26

$0.14

361

$32

$0.12

109

$22

$0.15

339

$34

$0.19

349

$26

$0.25

252

10. 21

$19

$0.26

146

11.

$30

$0.18

119

12.

$23

$0.28

150

13.

$22

$0.20

778

14.

$21

$0.19

171

15.

$18

$0.14

130

16.

$22

$0.24

17.

$15

$0.26

18.

$28

$0.25

714

19.

$23

$0.21

133

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Chapter 8, Lesson 9

Parking Expenses

EXAMPLE

The sign at the right lists the rates at the Airport Parking Lot.
Neecie parks her car on Friday at 10:30 P.M. and leaves the lot
on Monday at 6:30 A.M. How much does she pay in parking
rates for the time her car was at the Airport Parking Lot?
Step 1 Find the parking time on Friday
12:00 midnight

10:30

1 hour 30 minutes

Airport Park Lot Rates

$2 for the first hour

$1.50 for each additional
hour (or part of an hour)
$12 maximum per day.

Step 2 Find the cost for Friday

$2.00 First hour
1.50 Last 30 minutes

$3.50

Step 4 Find the cost for Monday

$2.00 First hour
$1.50 6 remaining hours $9

Cost for Monday is $11

Step 3 Find the cost for Saturday

and Sunday.
$12 Saturday
12 Sunday

$24

Step 5 Total the daily costs

$ 3.50 Friday
24.00 Saturday & Sunday
11.00 Monday

$38.50 Total

Neecie must pay $38.50 for the Airport Parking Lot parking.

Directions Find the cost for parking at the Airport Parking Lot
for the following times.
1. Monday, 6:45 A.M. to Friday, 5:55 P.M.

____________________

2. Sunday, 10:15 P.M. to Wednesday, 6:00 A.M.

____________________

3. Wednesday, 5:42 P.M. to Sunday, 9:10 A.M.

____________________

4. Wednesday 9:30 P.M. to Friday, 1:25 A.M.

____________________

5. Saturday, 8:30 P.M. to Thursday, 12:05 A.M.

____________________

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Chapter 8, Lesson 10

What Time Is It?

The map shows the
United States divided
into four time zones.

EXAMPLE

Pacific
Time
9:00 a.m.

If it is 10:20 A.M. in
Cleveland, what time
is it in Tulsa?

Mountain
Time
10:00 a.m.

Central
Time
11:00 a.m.

Eugene Boise

Solution: Tulsa is one time zone west

of Cleveland. Therefore,
the time in Tulsa is one
hour earlier: 9:20 A.M.

Minneapolis
Cheyenne

Sacramento

Salt
Lake
City

Denver

Des Moines

Pittsburgh

New York

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
1. Salt Lake City
2. Miami

3:51 P.M.
10:09 P.M.

The time in

Is?

San Diego

Salt Lake City

3. Cleveland

5:03 P.M.

Denver

4. Minneapolis

3:38 A.M.

Louisville

5. Cheyenne

9:47 A.M.

Pittsburgh

6. Los Angeles

8:32 P.M.

St. Louis

7. Boise

9:32 A.M.

Eugene

8. Atlanta

4:53 P.M.

Sacramento

10:09 P.M.

Miami

10. Dallas

4:24 P.M.

Atlanta

11. Salt Lake City

4:19 A.M.

Minneapolis

12. Boise

8:41 A.M.

San Diego

13. Miami

7:12 P.M.

Tulsa

14. Pittsburgh

6:41 P.M.

Denver

11:36 P.M.

St. Louis

9. Cleveland

15. Eugene

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Workbook Activity

Chapter 8, Lesson 11

Time Zones

EXAMPLE

The map shows the nine time zones that

North America falls into. If it is 9:15 A.M. in
Tulsa, what time is it in Atlanta?
Solution: Atlanta is one time zone east of
Tulsa. Therefore, the time in Atlanta is one
hour later: 10:15 A.M.

Directions Find the time in the various North American time zones for the given time.

Sample

Bering
Time

AlaskaHawaiian
Time

Yukon
Time

Pacific
Standard
Time

Mountain
Standard
Time

Central
Standard
Time

Eastern
Standard
Time

7:00 P.M.

8:00 P.M.

9:00 P.M.

10:00P.M.

11:00 P.M.

12:00 midnight

1:00 A.M.

4:35 P.M.

9:50 P.M.

11:15 A.M.

5:44 A.M.

8:08 P.M.

12:23 P.M.

7:25 A.M.

5:38 A.M.

10.

2:05 P.M.

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Period

Chapter 9, Lesson 1

100

Zeros in the Quotient

EXAMPLE
Write this:

0.01449 0.23
.063
.23 .0
1
4
4
9

138

69
69

EXAMPLE
Write this:

2.9484 4.2
.702
4.2 2
.9
4
8
4

2
94

84
84

Directions Divide.
1. 7.3 29
.2
73

6. .19 .0
02
47

11. 16 .6
24

16. .44 5.

28
44

2. 5.2 .3
22
4

7. .013 .0
65
13

12. .65 3.

93
9

17. 7.7 7.

70
77

3. 1.5 .0
34
5

8. 1.1 .0
30
8

13. .41 13

.1
24
1

18. .83 1.

66
83

4. .07 .1
44
2

9. .31 34
.1
31

14. 35 .3
18
5

19. .063 5.

04
63

5. 6.3 6.
74
1

10. .022 .2

64
22

15. 5.7 6.

04
2

20. .006 .0

66
18

Directions Write these in standard form and divide.

21. 0.57252 0.52

23. 0.00748 0.68

22. 0.06307 0.007

24. 0.26664 1.32

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Chapter 9, Lesson 2

101

Preparing a Budget

EXAMPLE

Marilee and Evan planned this budget for their average weekly take
home pay of $1,276.50: Housing 30%; Food 18%; Transportation 10%;
Gifts 10%; Savings 10%; Clothes 7%; Entertainment 6%; Insurance 5%;
Miscellaneous 4%.
How much do they budget for each category?
Multiply the weekly income by each of the budgeted percents.
Housing
$1,276.50 30% $382.95
Clothes
Food
$1,276.50 18% $229.77
Entertainment
Transportation $1,276.50 10% $127.65
Insurance
Gifts
$1,276.50 10% $127.65
Miscellaneous
Savings
$1,276.50 10% $127.65

$1,276.50 7% $89.36
$1,276.50 6% $76.59
$1,276.50 5% $63.83
$1,276.50 4% $51.06

Directions Find the amount budgeted for each category. Use the percents
shown in the example for each weekly income shown.
Weekly Income

1) $416.50

2) $1,246.59

3) $661.40

4) $1,413.56

6) $874.54

7) $958.33

8) $1,857.13

Housing
Food
Transportation
Gifts
Savings
Clothing
Entertainment
Insurance
Misc
Weekly Income 5)

$1,156.89

Housing
Food
Transportation
Gifts
Savings
Clothing
Entertainment
Insurance
Misc
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Chapter 9, Lesson 3

102

Individual Budgets

EXAMPLE

This year, Jolene spent $2,550.00 on food. Aproximately what

percent of her $32,458.00 net income is this?
$2,550.00

$32,458.00

Step 1 Write the ratio.

expenses

income

Step 2 Divide.

2,550.00 32,458.00 0.78563 0.08 or 8%

Answer: Jolene spent $2,550.00 for food, which was 8% of her income this year.
Step 3 Next year, Jolene will again spend 8% of her income for
food, but her salary will increase to $36,200.00. How
much of next years income will jolene spend for food?
Step 4 Multiply.

$36,200 0.08 $2,896.00

Next year, Jolene will spend $2,896.00 for food, which is 8% of her income.

Directions The budgets for two people are shown below. For each person,
first add the expenses for this year to find the net income. Then
write the ratio and divide to find out what percent of the
yearly income is spent for each category.
Then, using the same percents, multiply to find the amount of
next years income that will be spent in each category. Next years
income is provided, and the total amounts in the Next Year column
should equal that amount.
1. Patrick Marks

2. Victor Tobias
This Year

Housing
$4,800
Food
1,900
Clothing
570
Utilities
400
Transportation 3,430
Health
1,520
Education
0
Insurance
600
Savings
200
Charity
50
Recreation
620
Miscellaneous
1,760
Net Income

______

Percent

Next Year

This Year

Percent

Next Year

Housing
Food
Clothing
Utilities
Transportation
Health
Education
Insurance
Savings
Charity
Recreation
Miscellaneous

$7,200
3,350
1,280
580
3,200
1,620
400
1,360
2,200
1,750
1,340
1,720

$18,000

Net Income

______

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$30,000

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Chapter 9, Lesson 3

103

Solving for the Rate

rate

EXAMPLE

base

What percent of 53 is
N 53
N
N
N

percentage

10.6?
10.6
10.6 53
0.2
20%

Step 1 Divide the percentage by the

base to the thousandths place.
Step 2 Write the quotient as a percent.
Round if needed.

The number of decimal places in the quotient will be

determined by the degree of accuracy needed.

EXAMPLE

What percent of 1.8 is 0.0959? Round the answer to the

nearest tenth of a percent.
.0532
N 1.8 0.0959
1.8 0
.0
9
5
9
0

N 0.0959 1.8
N 0.0532
less than
Write a zero for one
five
additional place.
N 5.3%

Directions Solve for the rate. Do not round the answers.

1. What percent of 85 is 13.6?

6. What percent of 4.2 is 0.1596?

2. What percent of 35 is 13.65?

7. What percent of 20 is 0.03?

3. What percent of 17 is 0.493?

8. What percent of 0.73 is 0.0438?

4. What percent of 35 is 52.5?

9. What percent of 26 is 2.08?

5. What percent of 9.6 is 0.48?

10. What percent of 295 is 2.36?

Directions Solve for the rate. Round to the nearest tenth of a percent.
1. What percent of 43 is 16.7?

6. What percent of 37 is 3?

2. What percent of 300 is 12?

7. What percent of 9 is 0.46?

3. What percent of 63 is 26.4?

8. What percent of 18 is 36?

4. What percent of 72 is 53?

9. What percent of 248 is 50?

5. What percent of 13 is 26.4?

10. What percent of 9.3 is 37?

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Chapter 9, Lesson 4

104

Using Circle Graphs

EXAMPLE

Nancys investment budget provides for a $500 savings,

$300 in stocks, and $100 in bonds. Draw a circle graph to
show the percent budgeted in each category.
Step 1 Find the total amount
of his budget.
$500
300

100

$900

Step 2 Find the percent

in each category
500 900 56%
300 900 33%
100 900 11%

Step 3 Find the degrees for

each category
56% 360 202
33% 360 119
11% 360 40

Step 4 Draw the circle chart.

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

11% bonds

33% stocks

56% savings

Directions Draw a circle graph for each problem. Each chart is marked
in 20 degree sections. Draw in your own lines to show
your answers.
1. Billy Joes monthly housing budget covers 75% rent, 10% new

furnishings, 5% decorating and 10% repairs. Draw a circle graph

to show the percent budgeted in each category.

2. Pilantanas clothing budget includes $135 for new clothes, $45

for dry cleaning, $90 for accessories. Draw a circle graph to show
how much is budgeted for each category.

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Workbook Activity

Chapter 9, Lesson 5

105

Review of Basic Operations with Decimals

1. 2.3 5 0.941

25. 21.25 2.5

2. 4.5 0.931

26. 3 4.5 2.21

3. 4.5 0.31

27. 3.5 1.29

4. 24.24 4.8

28. 83 2.3 0.939

5. 7 0.8012

29. 1.7064 0.24

6. 0.0387 0.64

30. 85 3.53 2 0.75

7. 3,001 3.4

31. 0.1632 0.08

8. 3.04 0.95

32. 9 0.99

9. 6.9 0.34

33. 3.096 1.2

10. 5.6 91 0.76

34. 6.22 0.002

11. 9.01 3.9

35. 2 1.402

12. 234 45

36. 401.1 29.53 1.2

13. 3.4 0.023

37. 61 0.28

14. 44.4 7.816

38. 0.4387 0.41

15. 39.648 5.6

39. 7 2.8 1 34.99

16. 801.11 34.551

40. 49.01 3 2.31 8

17. 18.29 3.1

41. 58.3 2.4

18. 0.027 0.006

42. 4.1 3.009

19. 0.603 0.101

43. 0.00528 0.66

20. 91 2.7 0.003

44. 0.08917 0.00991

21. 0.029 0.02001

45. 73.94 5.6 2 0.916

22. 74.358 27

46. 1 0.1028

23. 0.0303 4.1

47. 804.04 290.192

24. 384.04 0.927 0.1

48. 5.20251 5.1

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Workbook Activity

Chapter 10, Lesson 1

106

Simple Interest

EXAMPLE

Francie lends $1,000 to her cousin, Sean, for 9 months. Sean

agrees to pays Francie 358% simple interest each year. How
much interest will Sean pay to Francie? Round the answer to
the nearest cent.
Step 1 Write the time as
a fraction of a year

Step 2 Write interest rate

as a decimal

9 months 19
year
2

5

8

Step 3 Find the Interest

Recall I = P x R x T
I $1,000 .03625 9 12

.625

358% 3.625%

I $27.19

Sean will pay $27.19 in interest to Francie.

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

Principal

Rate

Months

$1,000

10.

$1,000

318%
318%
318%
358%
358%
378%
378%
378%
378%
378%

11.

$5,000

12.

$7,500

13.

$10,000

14.

$12,500

15.

$15,000

16.

$23,000

17.

$23,000

Interest

9
12
6
9
6
12
18
24
30

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Chapter 10, Lesson 2

107

Compound Interest over Two Years

EXAMPLE

Principal
$600

Annual Rate
8%

Time in Years
2

Compute the balance and the total interest.

Step 1
$00600 Principal
00.08
Annual rate
$48.00 1st years interest

Step 2
$600 Principal
048
1st years interest
$648 Balance after 1st year

Step 4
$648.00
051.84

$699.84

Step 5
$48.00
51.84

$99.84

Balance after 1st year

2nd years interest
Balance after 2nd year

Step 3
$00648
00.08

$51.84

Balance after 1st year

Annual rate
2nd years interest

1st years interest

After 2 years the balance is $699.84

2nd years interest

Total interest

and the total interest is $99.84

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

$800

16.

$600

$500

10%

17.

$200

10%

$500

18.

$800

14%

$100

19.

$4,000

$900

20.

$900

11%

$200

13%

21.

$100

$300

22.

$400

12%

$400

23.

$600

10%

$9,000

13%

24.

$100

10.

$200

11%

25.

$900

12%

11.

$700

10%

26.

$800

10%

12.

$900

14%

27.

$700

13.

$800

28.

$800

14.

$200

11%

29.

$4,000

15.

$900

10%

30.

$900

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Chapter 10, Lesson 3

108

Doubling Your Money

EXAMPLE

Jean withdraws his 9% simple interest at the end of each year.

He leaves the principal in savings so that it will continue to
earn interest. How long will it take for him to earn as much
interest as the amount he invested?
Recall: To double your money with simple interest, divide 100
by the rate of interest.
11 years
91
0
0

Jeanette does not withdraw her interest. That way it becomes
compound interest. How long will it take for her investment
to double?
Recall: To double your money at compound interest, divide
72 by the rate of interest.
8 years
97
2

Jeans money will double in 11 years. Jeanettes will double in 8.

Directions Find how many years it will take to double these investments.

Investor

Interest
Years to
Rate Compounding Double

Investor

1. Joseph

Simple

11. Kai

2. Guisseppi

Annual

3. Jose

4. Giovanni

Interest
Years to
Rate Compounding Double

Simple

12. Mary

9.25%

Simple

13. Susan

9.5%

Simple

Annual

14. Marta

9.75%

Simple

5. Jeanne

3.2%

Simple

15. Shu Lin

10%

Simple

6. John

3.2%

Annual

16. Joan

Annual

7. Sean

5.4%

Annual

17. Juanita

9.2%

Annual

8. Ivan

5.4%

Simple

18. Jeanika

9.5%

Annual

9. Johan

7.6%

Annual

19. Larue

9.75%

Annual

7.6%

Simple

20. Marsha

10%

Annual

10. Juan

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Chapter 10, Lesson 4

109

Writing Checks
Sample Check

EXAMPLE

Drawers name
and address

Payee

Date check
is written

BETTY RAMOS
2931 FORESTVIEW DRIVE
KANSAS CITY, MISSOURI 64108

NO.

DATE

Amount of check
in words

Purpose of check

Check number

PAY TO THE
ORDER OF

520

ABA or bank
ID number

7-89

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 persons. Use the blank

checks on Workbook Activity 110.
Payee
1. Tiffany Williams
2. Clyde Hastings
3. Charles Goff
4. Cassandra Doty
5. Stephen Cheng
6. Sumi Maeda
7. Thomas Soto
8. Edwina Saunders
9. Carol Ostman

Amount

Date

$026.94
$137.11
$269.84

October 16, 2003

October 23, 2003
November 7, 2003

$337.49
$496.50
$397.00
$403.64
$910.88
$875.29

May 3, 2004
October 16, 2004
February 28, 2004
December 23, 2005
February 24, 2005
October 25, 2005

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Name

Date

Period

Workbook Activity

Chapter 10, Lesson 4

110

Blank Checks
Directions Make copies of these checks to use with Workbook Activity 109.
Write in your name, address, and the check sequence number.

Your City, State, and ZIP Code
Your Name

NO.

Your Address

DATE

PAY TO THE
ORDER OF

7-89

520

DOLLARS

RIVER BANK and Trust Company

FOR

0520008960772
752 2410 2

Your City, State, and ZIP Code
Your Name

NO.

Your Address

DATE

PAY TO THE
ORDER OF

7-89

520

DOLLARS

RIVER BANK and Trust Company

FOR

0520008960772
752 2410 2

Your City, State, and ZIP Code
Your Name

NO.

Your Address

DATE

PAY TO THE
ORDER OF

7-89

520

DOLLARS

RIVER BANK and Trust Company

FOR

0520008960772
752 2410 2

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Workbook Activity

Period

Chapter 10, Lesson 5

111

Check Register

EXAMPLE

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

CHECK = CK

DEPOSIT = D

ELECTRONIC FUNDS TRANSFER = EFT

DATE

TRANS.
NO.

TYPE
OF
TRANS.

3/19

101

Auto Insurance

3/19

102

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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Workbook Activity

Period

Chapter 10, Lesson 6

112

Review of Basic Operations with Fractions

3
7

5
6

1.
2
5

4
9

2. 2 3

2
13

16. 23 1
4
7

3
8

17.

13
24

18. 1 2

7
8

1
6

19. 2

23
24

48
46

20. 1

3. 13
4. 5
5.
2
9

1
7

13
14

35. 43 12

4
9

16
72

1
6

22.

12
25

16
18

23. 19 9

24
25

24. 5 12

11
25

1
5

2
5

4
5

11. 8 5
7
15

12. 5 2

5
12

8
60

1
7

2
3

6
10

1
24

25. 18 2
10
11

21
22

26. 12 10
8
18

1
6

27. 6 9

2
11

1
34

28. 30 4

10
17

15
17

29. 1 17

13. 6 1
14. 8 3
27
28

5
7

15. 46 32

7
8

6
7

10. 2

2
3

33. 1
34. 18 9

7. 6

9. 65

26
30

32. 4 146

5
9

21.

1
2

1
13

3
27

6. 12 2

3
14

31. 8 1

24
26

2
78

2
15

3
45

30. 14 2

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11
23

2
9

1
8

3
10

16
25

36. 1 9
6
7

1
6

1
2

3
7

37. 3 9
38. 1 2
7
81

5
9

39. 28
12
13

40. 12 9
2
11

1
10

41. 1
3
19

38
39

2
13

4
10

42.
43.
2
7

2
21

44. 8
33
44

66
77

45.

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Workbook Activity

Chapter 10, Lesson 7

113

Changes in Stock Prices

EXAMPLE

Karl bought some stock at 107.75. Today he sold the stock at

118.50. What is Karls profit per share?
$118.50 Selling price
107.75
Buying price
$ 10.75 Karls profit
Karls profit per share is $10.75.

Directions Compute the price changes for these stocks.

Subtract the smaller price from the larger price.
The answer to Number 1 is 138.63.
New
Price

Old
Price

Change

16.

79.50

107.25

17.

195.00

183.875

101.25

18.

162.50

69.75

107.625

188.25

19.

164.50

58.625

203.625

104.875

20.

68.875

133.25

52.50

197.25

21.

10.875

162.25

166.00

108.625

22.

94.875

113.125

145.00

35.75

23.

206.625

21.75

157.50

82.625

24.

67.625

69.125

10.

202.00

195.875

25.

119.625

192.125

11.

117.625

17.875

26.

98.625

135.125

12.

160.75

169.375

27.

126.625

1,791.375

13.

26.50

175.375

28.

18.625

89.125

14.

23.50

68.25

29.

136.625

116.875

15.

91.50

40.75

30.

161.625

169.375

New
Price

Old
Price

Change

149.50

10.875

202.625

28.875

38.625

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Period

Chapter 10, Lesson 8

114

The Break-Even Point

EXAMPLE

The break-even point is the total amount paid per share,

including purchase price, commissions, and fees.
Total
Purchase
Price
$8,100

Number
of
Shares
150

Step 1:
$8,100.00
106.50
97.35
0002.10

$8,305.95

Buying
Commission
$106.50

Selling
Commission
$97.35

Fees
$2.10

Step 2:
$8,305.95 150 $55.373

The break-even point is $55.38. (Rounded to the next cent.)

Directions Compute the break-even point for these stocks. Round

up to the next cent.
Total
Purchase
Price

Number
of
Shares

Buying
Commission

Selling
Commission

Fees

$8,841

100

$145.49

$145.92

$2.25

$9,811

700

$157.93

$158.24

$1.24

$6,540

500

$114.10

$114.55

$1.33

4. $10,203

700

$159.18

$158.54

$1.17

$7,758

100

$124.48

$124.23

$1.93

$6,463

700

$112.05

$110.93

$2.91

$8,926

500

$148.19

$149.38

$2.63

$4,483

400

$93.49

$93.30

$2.20

$6,506

500

$120.92

$121.28

$2.23

10. $15,467

300

$206.22

$204.57

$1.63

11.

$5,192

400

$106.08

$106.29

$1.81

12.

$6,519

400

$111.28

$110.62

$2.52

13.

$2,704

200

$75.42

$75.12

$2.18

14. $10,028

600

$154.30

$153.68

$2.25

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Break-Even
Point

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Workbook Activity

Chapter 10, Lesson 9

115

Earning Dividends

EXAMPLE

Marcus will use his dividend to purchase more shares of stock.

He owns 1,525 shares priced at $7.15. How many shares can
he afford if he earns a dividend of $0.0375 per share? Round to
the next lower share.
Step 1 Find dividend.
Step 2 Find number of additional shares he can buy.
1,525 shares
7.998

$0.0375
dividend
per
share
7.155

.1
7
9
0
0

$57.19
Marcus can buy 7 additional shares of stock.

Directions Compute the number of shares that can be purchased

in each case.
1. Darnell wants to use his dividends to purchase more stock. He

owns 2,516 shares. The dividend is $0.865 per share. How many
shares of stock priced at $56.15 can he purchase?

_______________________

2. Denzel wants to use his dividends to purchase more stock. He

owns 675 shares. The dividend is $1.182 per share. How many
shares of stock priced at $4.539 can he purchase?

_______________________

3. Mary Suzette wants to use her dividends to purchase more stock.

She owns 1200 shares. The dividend is $0.594 per share. How
many shares of stock priced at $16.597 can she purchase?

_______________________

4. Arnell wants to use his dividends to purchase more stock. He

owns 153 shares. The dividend is $0.80 per share. How many
shares of stock priced at $14.75 can he purchase?

_______________________

5. Cliff wants to use his dividends to purchase more stock. He owns

398 shares. The dividend is $1.36 per share. How many shares of
stock priced at $15.875 can he purchase?

_______________________

6. Lola wants to use her dividends to purchase more stock. She owns

1376 shares. The dividend is $1.72 per share. How many shares of
stock priced at $71.00 can she purchase?

_______________________

7. Yvonne wants to use her dividends to purchase more stock. She

owns 1,600 shares. The dividend is $0.45 per share. How many
shares of stock priced at $9.00 can she purchase?

_______________________

8. Shi Yin wants to use her dividends to purchase more stock. She

owns 425 shares. The dividend is $0.046 per share. How many
shares of stock priced at $9.795 can she purchase?
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Workbook Activity

Chapter 10, Lesson 10

116

Reading a Credit Card Statement

EXAMPLE

River
Bank

Mail to
PO Box 191
Myo, AG 00000

May 2004 Statement

Account Number Name
1234-5678-90
Jane Doe

Statement Date Payment Due Date

5/22/04
6/20/04

Credit Line
$1,500.00
Reference
101010101
110110110
143415651

New Balance
$432.16
Posted
5/01/04
5/16/04
5/21/04

Credit Available
$1,067.84
Sold
4/30/04
5/20/04

Minimum Payment
$25.00
Description
Amount
NOISY MUSIC STORE
45.17
PAYMENT THANK YOU 156.35
MAJOR APPLIANCE
386.99

Previous Balance
156.35
Current Amount Due
432.16
Purchases
432.16
Amount Past Due
Cash Advance
Amount over Credit Limit
Payments
156.35
Minimum Payment Due
25.00
Credits
FINANCE CHARGES
Late Charges
New Balance
432.16
FINANCE CHARGE SUMMARY Purchases Advances For Customer Service
Periodic Rate
1.50%
0.56%
1-800-RIVERBANK
Annual Percentage Rate
18.00%
6.49%
For Lost or Stolen Card
1-800-LOSTCARD
Make check payable to River Bank. Include account number on check.

Directions Answer the following questions about the sample credit

card statement.
1. Who is the account holder? ______________
2. What amount is due for this statement? ______________
3. Why is there a minus sign in front of the number 156.35? ______________
4. What amount should Jane pay by 6/20/04? ______________
5. What amount must she pay by 6/20/04? ______________
6. Suppose she only paid the minimum payment due. What would be her unpaid balance? ___________
7. Suppose she only paid the minimum payment due. What interest would be assessed for the next

month? ______________
8. How long is it between the Statement Date and the Payment Due Date? ______________
9. How many transactions did Jane have in the last statement period? ______________
10. How is the Credit Available amount calculated? ______________
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Workbook Activity

Period

Chapter 11, Lesson 1

117

The Key to Large Numbers

EXAMPLE

The U.S. budget provided $1,347,563,115.98 for

a project. Round this to two digits and write in words.

$1,347,563,115.98 ~ 1,300,000,000 1.3 billion

Recall
1,000
1,000,000
1,000,000,000
1,000,000,000,000

one thousand
one million
one billion
one trillion

Directions Complete the chart.

Numbers in Digits
1. Distance from Earth to Sun (average)

93,000,000 miles

2. U.S. Personal Spending in Restaurants

$334,700,000,000

3. Days in a Year for Pluto

90,465

4. Number of Earths to equal volume of the sun

5. Distance Earth to Moon (average)

1,304,000
238,855 miles

6. Total Federal Income

$2,025,038,000,000

7. Total Government Spending by all 50 States

$1,135,758,000,000

8. Total Personal Taxes

$1,152,000,000,000

9. Commerce Department Budget

10. Justice Department Budget

Numbers in Words

Round answer to two digits.

$7,931,000,000
$19,000,000,000

11. Social Insurance Contributions

$652,851,000,000

12. Interest Due on Public Debt

$362,100,000,000

13. Stars in the Milky Way

200 billion

14. Maximum distance Sun to Pluto

4,538.7 million miles

15. Individual Income Tax Revenues

$1 trillion

16. U.S. Personal Spending on Food

$509.4 billion

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Chapter 11, Lesson 2

118

Review of Basic Operations with Percents

1. 0.56 __________%

21. 36% of 85 __________

2. 47.8 is 10% of __________

22. 94 is 20% of __________

3
8

3. __________%

23. 0.07 __________%

4. What % of 16 is 2? __________

24. 81 is 18% of __________

5. 147.5% __________ (decimal)

25. What percent of 80 is 10? __________

5
8

6. __________%

26. __________ is 20% of 85

7. 14% of 605 __________

27. __________%

8. 3492 is 36% of __________

28. __________ is 12.5% of 75.4

9. What percent of 60 is 36? __________

29. 57% of 80 __________

2
5

45
75

10. 38.2% __________ (decimal)

30. __________%

11. 6 is 25% of __________

31. 15% of 90 __________

12. __________ of 500 is 50?

32. __________%

13. 3.15 __________%

33. 0.005 __________%

14. 0.095 __________%

34. __________% 0.316

7
8

4
5

15. __________%

35. 0.25 __________%

16. 9.5% __________ (decimal)

36. What percent of 50 is 30? __________

17. 8% __________ (decimal)

37. What percent of 36 is 18? __________

18. 48 is __________% of 96

38. 17 is what percent of 68? __________

19. 2.3% __________ (decimal)

39. __________%

20. 13 is __________% of 52

40. 75 is 25% of __________

1
4

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Workbook Activity

Chapter 11, Lesson 3

119

Paying Taxes

EXAMPLE

Lijanne earned a total of $37,892 in one year. She had deductions for
a student loan of $3,247, moving expenses of $358.91, and health
insurance of $376.80. Find her total deductions and taxable income.
Step 1 Find total deductions

Step 2 Subtract to find taxable income.

$3,247.00
358.91

376.80

$3,982.71

$37,892.00 total income

3,982.71 deductions

$33,909.29 taxable income

Lijanne had total deductions of $3,982.71 and taxable income of $33,909.29.

Directions Find the total deductions and taxable income in each case.

Item
1. Exemptions for dependents

2.
3.

5.
6.

7.
8.
9.

Moving expenses
Business loss
Exemptions for dependents
Standard deduction
Exemptions for dependents
Student loan
Medical expenses
Exemptions for dependents
Other taxes
Health insurance
Medical expenses
Exemptions for dependents
Standard deduction
Exemptions for dependents
Self-employment tax
Health insurance
Business expenses
Exemptions for dependents
Standard deduction
Exemptions for dependents
Standard deduction
Exemptions for dependents
Standard deduction

Exemptions and
Deductions

Total Exemptions
and Deductions

$8,700
$3,541
$357
$11,600
$7,600
$5,800
$3,500
$15,790
$17,400
$352
$6,600
$561
$14,500
$6,650
$11,600
$4,500
$3,721
$11,708
$20,300
$7,600
$2,900
$4,550
$5,800
$3,800

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Total
Income

Taxable
Income

$46,781

$76,902
$125,630

$250,714

$67,099
$145,809

$90,742
$35,826
$44,500

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Period

120

Chapter 11, Lesson 4

Reading Tax Tables

EXAMPLE

Jerry and Lisa Reese are married

and filing jointly. Their adjusted
gross income is $26,900. Use
the chart to find their tax.

Solution: The tax will be $4,039.

Tax Table Based on Taxable Income

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

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

And you are

But
less
than

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
1. Married filing separately
2. Married filing separately
3. Married filing jointly
4. Married filing jointly
5. Head of a household
6. Single
7. Married filing separately
8. Single
9. Head of a household
10. Single
11. Married filing separately
12. Married filing jointly
13. Married filing separately

Adjusted
Gross Income

$25,262
$25,329
$25,967
$25,754
$26,443
$26,086
$26,820
$25,295
$26,192
$25,900
$26,871
$26,563
$26,607

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Tax Due

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Period

Chapter 11, Lesson 5

121

Computing Taxes Owed

EXAMPLE

Nina Tran is filing a single return. Her adjusted gross income

is $128,840. Nina uses Schedule X to help her figure the tax
she owes because her income is $100,000 or more.

Solution:
$ 128,840
117,950

$ 010,890

Nearest amount on Schedule X

$10,890.00
000
00.36

$31,832.50

03,920.40

Amount over $117,950

$03,920.40

$35,752.90

Adjusted gross income

Tax for $117,950

36% of $10,890.00

Round $35,752.90 to the nearest dollar.

Nina owes $35,753.00 in taxes.
Schedule X Use this if your filing status is Single
If the amount on Form
1040, line
37 is:
But not
Over
over

Enter on
Form 1040,
line 38

of the
amount
over

$23,350

15%

23,350

56,550

$3,502.50 +

28%

23,350

--------

56,550

117,950

12,798.50 +

31%

56,550

117,950

256,500

31,832.50 +

36%

117,950

256,500

-------

81,710.50 +

39.6%

256,500

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

Adjusted
Gross Income

Taxes Owed

$116,197

________________

$226,314

________________

$159,195

________________

$257,419

________________

$117,375

________________

$172,218

________________

$140,630

________________

10.

$101,046

________________

$118,629

________________

11.

$264,779

________________

$130,952

________________

12.

$128,362

________________

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Workbook Activity

Chapter 11, Lesson 6

122

Refund or Balance Due

EXAMPLE

Peg is filing a head of household return. Her taxable income on

line 39 of Form 1040 is $41,375. She has already paid $8,432.56
in withholding tax. Compute the amount to be refunded or the
balance due.

If line 39
(taxable
income) is
At
least

But
less
than

And you are

Single

Married Married Head

filing
filing
of a
jointly
sepahouserately
hold
Your tax is

41,000

Step 1 Find the tax bracket for total income.

$41,375 is between $41,350 and $41,400.

41,000
41,050
41,100
41,150

41,050
41,100
41,150
41,200

7,901
7,914
7,928
7,942

6,154
6,161
6,169
6,176

8,457
8,471
8,484
8,498

6,751
6,764
6,778
6,792

Step 2 Find the column for filing status.

Locate Head of Household column.

41,200
41,250
41,300
41,350

41,250
41,300
41,350
41,400

7,956
7,969
7,983
7,997

6,184
6,191
6,199
6,206

8,512
8,526
8,539
8,553

6,806
6,819
6,833
6,847

41,400
41,450
41,500
41,550

41,450
41,500
41,550
41,600

8,011
8,024
8,038
8,052

6,214
6,221
6,229
6,236

8,567
8,581
8,594
8,608

6,861
6,874
6,888
6,902

41,600
41,650
41,700
41,750

41,650
41,700
41,750
41,800

8,066
8,079
8,093
8,107

6,244
6,251
6,259
6,266

8,622
8,636
8,649
8,663

6,916
6,929
6,943
6,957

41,800
41,850
41,900
41,950

41,850
41,900
41,950
42,000

8,121
8,134
8,148
8,162

6,274
6,281
6,289
6,296

8,677
8,691
8,704
8,718

6,971
6,984
6,998
7,012

Step 3 Find the tax owed.

The amount shown where the tax bracket
and filing status column meet is $6,847.
Step 4 Subtract to find difference.
$8,432.56 Amount withheld

6,847.00 Amount of tax owed

$1,585.56 Amount of refund
Peg is owed a refund of $1,585.56.

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

$41,528

Single

$10,476.93

$41,183

Married, filing jointly

$7,376.09

$41,472

Married, filing separately

$7,988.46

$41,233

Single

$7,563.21

$41,391

Head of a household

$8,223.71

$41,657

Single

$9,255.11

$41,814

Married, filing jointly

$9,340.70

$41,063

Head of a household

$6,803.12

$41,909

Married, filing separately

$10,404.33

10.

$41,777

Married, filing jointly

$5,999.04

11.

$41,600

Head of a household

$9,406.77

12.

$41,650

Single

$10,756.00

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Balance
Due or
Refund?

Amount
Due or
Refunded

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Workbook Activity

Chapter 11, Lesson 7

123

Paying Property Taxes

EXAMPLE

The tax assessment on Carols home is $32,320. The local

tax rate is $3.66 per $100 of the assessment. What is Carols
annual property tax?
Asssessment
$32,320

Rate per $100

$3.66

Step 1:
$32,320 $100 $323.20

Step 2:
$323.20 $3.66 $1,182.9120

Solution: Carols annual property tax is $1,182.92.

(Round to the next cent.)

Directions Compute the property tax. Round to the next cent

if necessary.

Assessment

Rate per
$100

$42,700
$82,100
$22,780
$42,000
$40,000
$25,400
$43,700
$88,200
$60,500
$235,415
$83,730
$33,800
$94,300
$90,220
$71,200

$6.07
$5.01
$3.51
$5.63
$3.61
$3.42
$7.19
$4.60
$6.23
$7.07
$4.18
$5.65
$5.97
$3.88
$2.10

20. $998,815

21.

22.

23.

24.

25.

26.

27.

28.

29.

30.

31.

32.

33.

34.

$42,540
17. $81,200
18. $60,400
19. $59,400

$4.24
$1.77
$2.69
$6.89

35.

1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.

Tax

Assessment

Rate per
$100

Tax

$6,130
$25,000
$59,600
$81,800
$64,900
$40,130
$88,000
$100,900
$13,400
$777,715
$22,540
$36,600
$75,800
$50,600

$5.96
$5.66
$2.28
$5.19
$3.08
$3.92
$4.26
$7.37
$7.14
$5.16
$5.76
$4.66
$4.98
$6.59
$6.10

$55,800
36. $11,970
37. $82,100
$4,500
38.

$6.22
$2.56
$3.46
$4.25

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Workbook Activity

Chapter 11, Lesson 8

124

Review of Basic Skill Operations

2
3

12
16

1. 243 2,003

16. 0.002 0.0019

33.

2. 4.5 .002

17. 2.3 0.0342

34. 7 5.6 0.09

1
9

3
7

18. 5,202 9

4. 3 0.453

19. 4,100 200

35. 1.875 0.15

5. 13,000 279

20.

6. 52 0.52

21. 19 7

7. 2.09 5.9

14
36

36. 0.12 0.005

10
17

37. 1,890 24

22. 1 2

1
6

38. 33

23. 0.08 1.3

39. 21,210 20

9. 203 1,002 32

24. 14 13

3
10

5
6

10. 3.001 2.03

7
24

5
8

1
3

4
27

7
9

7
8

2
11

9
22

40. 518.4 4.8

2
3

25. 1 1

41. 20 19

26. 83 211 934

42. 60,491 60

11. 2.6 12.92 5.6

7
11

1
22

43. 934.33 2.6

27.

12. 0.208 0.091

28. 4 3

45. 6.061 0.11

13. 0.03 0.112 1.1

29. 20,031 19,823

46. 5 3

30. 787,800 78

47. 921 0.44

3
11

1
5

14. 3 2

5
6

15. 7 1

2
3

4
11

31. 19 2

32. 50,010 2,992

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7
10

9
50

48. 1.001 0.002

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Period

Chapter 12, Lesson 1

125

Making Change

EXAMPLE

Sherron Mulgrew makes change by counting up from the sale

amount to the amount tendered. Her customer, Julie Anderson,
purchases $23.81 worth of goods. Julie gives Sherron a $20.00
bill and a $10.00 dollar bill. Heres a chart of how Sherron makes
change for Julie.
Amount Amount
Tendered of Sale 1
$30.00

$23.81

Coins
5 10 25 $1.00
1

Bills
$5.00 $10.00 $20.00

Sherron says, $23.81, 82, 83, 84, 85, 90, $24.00, $25.00 and
$30.00 as she counts the change back to Julie.

Directions Complete the chart below showing the change given to each
customer. Write what Sherron says while she is counting
up the change.

1. Kim Ruark

Amount Amount
Coins
Bills
Tendered of Sale 1 5 10 25 $1.00 $5.00 $10.00 $20.00
$5.00
$4.75

2. Glenn Austin

$40.00

$34.57

3. Rosemary Sullivan

$16.04

$15.39

4. Bryan Umeki

$20.42

$17.42

5. Jose Cardero

$15.00

$10.05

6. Mebawa Jabar

$10.01

$5.31

7. George Keith

$80.00

$72.88

8. Tabika Thomas

$35.00

$30.75

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Workbook Activity

Chapter 12, Lesson 2

126

The Key to Square Root

EXAMPLE

Find the 200

using the divide and average method.
Step 1 Choose a number,
say 10, and divide.
20
102
0
0

Step 2 Average the

2 numbers
10
15

20
23

0

30

Step 3 Divide 200 by average

13.3
152
0
0
.0

Repeat steps 2 and 3 until the divisor

matches the dividend.
Average:
13.3 and 15 14.15
Divide:
200 14.15 14.13
Average:
14.15 and 14.13 14.14
Divide:
200 14.14 14.14
Round result:
14.14 ~ 14.1
The square root of 200 is about 14.1.

Directions Use the divide and average method to find the following
square roots. Round your answer to the nearest tenth.
1.

256

11.

1225

12.

13.

14.

15.

16.

17.

18.

19.

20.

101

10.

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Workbook Activity

Chapter 12, Lesson 3

127

Using Electrical Formulas

WIRE
AMPS (Intensity) OHMS (Resistance)

WATTS (Power)
W EI

I RE

R EI

E IR

W I2R

I W
R

R W
I2

E WI

I W
E

E

R W

W ER

EXAMPLE

VOLTS (Electromotive Force)

E = WR

Lisa Lopez and her apprentice, Carrie Barker, calculate the

amount of resistance (R, ohms) in a 12 amp (I), 240 volt (E)
circuit. They select the formula for R where I and E are known.
R E I 240 12

20
122
4
0

The resistance is 20 ohms.

Directions Complete the chart below. Use the formulas to calculate

the missing information.

W
(in watts)

I
(in amps)

15,000 W

5 amps
15 amps

20 amps

E
(in volts)

30 V
14 ohms

R
(in ohms)

70 V

300 ohms

81,000 W

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Chapter 12, Lesson 4

128

Using Proportions to Find Equivalent Fractions

Arnole wanted to find a fraction equivalent to 23 that had a
denominator of 27.

EXAMPLE

Step 1 Write a proportion

Step 2 Solve the proportion
2 27 54
54 3 18
? 18

Directions Find equivalent fractions using proportions.

1
3

?
54

3
4

?
24

10.

3
8

15
?

11.

7
9

21
?

12.

1.
2.
3.
4.
15
16

?
64

5.
?
8

60
96

6.
1
23

10
?

45
99

?
11

?
52

55
242

3
4

?
22

?
96

1
2

?
6

12
72

7
?

85
120

15
?

45
48

12
?

60
70

13.
14.
15.

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Chapter 12, Lesson 5

129

Precise Measurement

EXAMPLE

John Sullivan is a
carpenter. He reads
the measurement
at point A as 15
.
6
He reads point B as
3 18
and renames
6
it to 3 12 .

To the nearest sixteenth inch: 3 18

3 12
6

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

1. To the nearest inch:

0
2. To the nearest half inch:

3. To the nearest quarter inch: A

0
5. To the nearest sixteenth inch: A

D
C

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3
C

4
D

2
B

3
C

1
A

3
C

2
B

3
C

1
A

D
C

2
B

4. To the nearest eighth inch:

4
D

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Chapter 12, Lesson 6

130

Renaming Mixed Numbers

EXAMPLE

Rename 328 as an improper fraction.

328

6
328 28

3 8 2 26

26 is the new numerator.

Keep 8 as the denominator.

Directions Rename these mixed numbers as improper fractions.

234

14.

345

27. 25

2
3

40.

137

112

15.

949

28. 20

2
3

41.

556

113

16.

727

29. 11

1
2

42. 13

258

17.

259

30. 18

1
2

43. 12

323

18.

818

31. 26

1
2

44.

516

19. 10

1
2

45. 20

317

17
20

46. 15

423

21.

5
12

47. 13

625

22. 16

2
11

48. 8

10.

515

23. 11

2
4

49. 17

11.

456

24. 10

2
3

50. 22

12.

425

25. 8

3
4

13.

627

26. 5

1
2

32. 18

20. 11

2
3

33. 20

913

34. 8

1
3

5
12

815
5
11
4
5
2
3

2
3

35. 5

3
4

36. 35

1
4

37. 15

4
11

38. 32

51. 12

7
10

39.

145

52. 10

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10
1
2
3
4
1
5
3
8

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Chapter 12, Lesson 7

131

Machine Operators

EXAMPLE

Freeman is a machine operator who is working with gears. He needs to find the proper proportion
for a gear train. The driven gear has 80 teeth requires a speed of 720 rpm. How many teeth should
the Driver gear have if it has a speed of 480 RPM?
Step 1 Set up proportion
t
RPM

Recall:
T
rpm

Step 2 Solve the proportion

480
80

720
T

RPM 480 Speed of Driver gear

rpm 720 Speed of driven gear
t 80
480

720

2

3

8T0

T 80 3 2 240 2 120

Teeth on driven gear

0
8T

Freeman should choose a gear with 120 teeth.

Directions Write the gear proportion. Then find the missing items.
Use mental math wherever possible.
Teeth in
Driver

RPM of
Driver

40
60

3.
4.

100

rpm of
driven

Gear
Proportion

20
30

12
20

teeth in
driven

100
12

50
250

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