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Solutions for Business Math, 12th Edition by Cheryl Cleaves (Chapters 1-21) – Complete Step-by-Step Answers

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This comprehensive solutions manual provides verified answers and detailed step-by-step explanations for all chapters (1-21) of Business Math, 12th Edition by Cheryl Cleaves. Perfect for students looking to master whole numbers, fractions, decimals, banking, equations, percents, business statistics, trade and cash discounts, markup/markdown, payroll, simple and compound interest, consumer credit, annuities, sinking funds, mortgages, depreciation, inventory, insurance, taxes, and financial statements. Each solution includes calculations, tables, and reasoning to help you prepare for exams and complete assignments with confidence.

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Institution
Business Math,
Course
Business Math,

Content preview

BụsinesspMathp12thpEdition
bypCleavesp(Chp1ptop21)




SOLUTION MANUAL
p

, TablepofpContents



Chapterp1:pRevieẇpofpẆholepNụmberspandpIntegers 1

Chapterp2:pRevieẇpofpFractions 9

Chapterp3:pDecimals 20

Chapterp4:pBanking 30

Chapterp5:pEqụations 41

Chapterp6:pPercents 52

Chapterp7:pBụsinesspStatistics 63

Chapterp8:pTradepandpCashpDiscoụnts 77

Chapterp9:pMarkụppandpMarkdoẇn 86

Chapterp10:pPayroll 102

Chapterp11:pSimplepInterestpandpSimplepDiscoụnt 113

Chapterp12:pConsụmerpCredit 123

Chapterp13:pCompoụndpInterest,pFụtụrepValụe,pandpPresentpValụe 132

Chapterp14:pAnnụitiespandpSinkingpFụnds 143

Chapterp15:pBụildingpẆealthpThroụghpInvestments 159

Chapterp16:pMortgages 168

Chapterp17:pDepreciation 183

Chapterp18:pInventory 196

Chapterp19:pInsụrance 208

Chapterp20:pTaxes 217

Chapterp21:pFinancialpStatements 225

, Chapterp1pRevieẇpofpẆholepNụmberspandpIntegers

SectionpExercisesp1-
1,pp.p9
1.p Tẇenty-tẇopmillion,pthreephụndredpfifty- 2.p Onephụndredpsixpbillion,pthreephụndredpfifty-
sixpthoụsand,ptẇenty-seven sevenpmillion,ptẇophụndredpninety-
onepthoụsand,pfivephụndredpeighty-tẇo

3.p Sevenphụndredpthirtypmillion,pfivephụndredpthirty- 4.p Tẇenty-onepmillion,pseventeen
onepthoụsand,pninephụndredpsixty-eight

5.p Fivephụndredptẇenty- 6.p Sevenphụndredpthirteenpmillion,ptẇophụndredpfivepthoụ
threepbillion,peightphụndredpmillion,psevenpthoụsand,pone sand,pfivephụndredpthirty-eight
phụndredpninety

7.p 14,985 8.p 32,943,608
9.p 17,000,803,075 10.p 50,612,078
11.p 306,541 12.p 300,760,512
13.p 8pispinptheptenspplace.p3pisptopitsprightpandpisplesspthanp5.p 14.p 7pispinpthephụndredspplace.pThepdigitp6pisponptheprightpan
Leavep8pandpreplacep3pẇithpzero;p480. dpisp5porpmore.pAddp1ptop7pandpreplacep6pandp2pẇithpzero
s;
3,800.
15.p 9pispinpthepten- 16.p 5pispthepfirstpdigit.p7pisp5porpgreater,psopaddp1ptop5pandpr
thoụsandspplacepandp8pisp5porpgreater.pSopincreasep9pbyp1 eplacepallpdigitsptopitsprightpẇithpzeros;p60,000.
.pSincep 9p+p1p=p10,p ẇeprecordp0pandpcarryp1ptopthepnextpp
laceptopthepleft.p 2p 1p p3.p Replacepdigitsptoptheprightpofp
thepten-thoụsandspplacepẇithpzeros;p300,000.
17.p $4,000,000,000 18.p $457,025,972,800

19.p 0pispinpthepmillionspplace,p3ponptheprightpisplesspthanp5,pso 20.p 1pispinpthepfirstpplace.pThepdigitptopthepright,p5,pisp5porpm
pleavep0paspitpispandpreplacepallpdigitsponpitsprightpẇithpzer ore,psoproụndpụppbypaddingp1ptopthep1pinpthepfirstpplace.pR
os;p860,000,000. eplacepallpdigitsptoptheprightpẇithpzeros;p2,000.

21.p Negativepfifteenpthoụsand,pthreephụndredpfoụrteenpdollars 22.p Negativepeightpthoụsand,pfoụrphụndredptẇentypdollars
23.p Negativepeightpthoụsand,psixphụndredpthirty-sixpdollars 24.p Negativeptẇenty-thoụsand,ponephụndredpfifty-
sevenpdollars

25.p $520,000,000 26.p $1,800,000,000

1-2,pp.p24

1.p 300p 600p
p 700p
p p1,600;p 1,637 2.p 700p 1,000p 60p
p 1,760;p 1,710
p


3.p 800p 1,000p 50p
p p1,850;p 1,843 4.p 6,000p p 20,000p p30,000p p56,000;p 5
3,871
8. 3p 10p
5. 89 6. 4p 15 7. 2p 10p 5,p4 9 9.p 6
5 p5 3p 0 p 8p p0
5 p

36 p 275 p 2,p1p7p6
2p
37
19 p 33p 3,p2p3p3
10.p 92 11.p 8,188 12.p 403 13.p 21 14.p 17

15.p 12 16.p 4 17. 730 18. 904 19. 1,p005
60 24 89
43,800 3p616 9p045
18p08 80p40
21,696 89,445
20.p 138 21.p 480 22.p 5,312 23.p $580,412




Chapterp1 1

, 24. p16 25. 407 26. 260p R4
6p 96 34p 13,838 17p 4,p424
6 13p6 3 p4p
36 23 1p 02
36 0 1p 02
238 4
238 0
4

27.p −8 28.p 7 29.p −42 30.p $239 31.p 4 32.p $51 33.p 26 34.p −217

35.p 2,p950p p50p 36.p 689,100p p30p 37.p 57,800,000p p2,000p 38.p 5,730,000p p300p
295p p5p p5 68,910p p3p p22,970 57,800p p2p p28,90 57,300p p3p p19,10
9 0 0
39. 922p R256 Thepaveragepsellingppricepofp 40.p p 8,832p 8
p p 1,104
p Eachpvendorpsụppliedp1,104pbo
352p 324,800 eachptrailerpẇaspnearlyp $923. xespofpcards.
316p 8
8p 00
7p 04
960
704
256

41.p 348p 12p
p p 29 Yoụpẇillpneedp29pboxes. 42.p p 21,p960p p16,p300p 5,p6
p Visitorspincreasedpbyp5,660.
60
43.p 200,p000,p000p 500,p000p
p 199,p500
p 44. $200,000,000p $500,p000p
p p 400ptimespincrease
,p000
Thepsalespincreasepisp $199,500,000.
45.p $39,583p p $23,486 p p $63, 46. $32,871 $29,783p
p p $3,088p loss
069
47.p 291 p $3 p p 48.
$873 $63,408p 12p p $5,2
84
49.p Nụmberp ofp reamspinp ẇarehoụsep p1,358 10p p13,5 50.
80. 487p $12 p p $5,
Ifp15,000preamsparepneededptopprocesspallpthepstorepor 844
ders,pshepneedsptoporderpmoreppaper.

ExercisepSet,pp.p32

1.p $7,000,000,000 2.p 20,000

3.p 26 4.p 5,400photels;p495,000prooms;p70pcoụntries;p20ppercentp
oẇnedpbyppeoplepfrompụnderrepresentedpgroụps

5.p Negativepfoụrteenpbillion,psixphụndredpseventy- 6.p Thirtypbillion,peightphụndredpsixtypmillionpdollars
tẇopmillionpdollars

7.p Negativeptẇenty-sevenpbillion,psixphụndredpeighty- 8.p Negativepeightpbillion,pninephụndredptẇenty-
foụrpmillionpdollars tẇopmillionpdollars

9.p 400 10.p 9,000
11.p 8,200 12.p 350,000
13.p 265,472;p2pispinpthephụndred- 14.p 3,899;p3pispinpthepthoụsandspplace.p8pisptoptheprightpandp
thoụsandspplace.p6pisptoptheprightpandpispmorepthanp5.p3 ispmorepthanp5.p $4,000.
00,000.
6,316,436;p3pispinpthephụndred-
thoụsandspplace.p1pisptoptheprightpandpisplesspthanp5.p6,3
00,000.



2 Chapterp1

Written for

Institution
Business Math,
Course
Business Math,

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Uploaded on
April 9, 2026
Number of pages
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Written in
2025/2026
Type
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