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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 1, Lesson 1
1
Computing Wages
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.
EXAMPLE
Hours
Worked Rate Wages
1.
15 $4.15 _______________________
2. 40 $3.85 _______________________
3. 36 $5.68 _______________________
4. 40 $6.82 _______________________
5. 10 $5.76________________________
6. 30 $6.32 _______________________
7. 13 $5.19 _______________________
8. 24 $4.04 _______________________
9. 26 $68.20 ______________________
10. 35 $4.32 _______________________
11. 33 $4.42 _______________________
12. 33 $5.54 _______________________
13. 33 $5.70 _______________________
14. 12 $4.00 _______________________
15. 23 $4.26 _______________________
16. 39 $6.11 _______________________
17. 19 $6.68 _______________________
18. 20 $5.87 _______________________
19. 16 $57.50 ______________________
Hours
Worked Rate Wages
20.
15 $4.03 _______________________
21. 39 $4.48 _______________________
22. 15 $3.41 _______________________
23. 32 $4.45 _______________________
24. 19 $6.04 _______________________
25. 33 $4.12 _______________________
26. 33 $6.97 _______________________
27. 16 $4.00 _______________________
28. 28 $6.31 _______________________
29. 18 $56.70 ______________________
30. 35 $6.34 _______________________
31. 27 $4.12 _______________________
32. 16 $4.78 _______________________
33. 9 $7.08 _______________________
34. 26 $5.07 _______________________
35. 29 $4.06 _______________________
36. 21 $3.69 _______________________
37. 13 $3.97 _______________________
38. 18 $3.74 _______________________
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 1, Lesson 2
2
Estimating Annual Wages
Hourly Estimated hours Solution:
rate worked in a year $13.48
$13.48 2,000 2,000

$26,960.00
The answer is $26,960.
Directions Compute the annual wages for each example below.
Job Hourly Annual
Title Rate Wages
1.
Cook, fast food
$6.54 ___________
2.
Cook, institution
$8.38 ___________
3.
Cook, restaurant
$8.52 ___________
4.
Cook, short order
$7.14 ___________
5.
Food attendant
$6.70 ___________
6.
Dishwasher
$6.78 ___________
7.
Home health aide
$9.04 ___________
8.
Nursing aide
$8.59 ___________
9.
Pharmacy aide
$9.14 ___________
10.
Veterinary assistant
$8.03 ___________
11.
Medical assistant
$10.48 ___________
12.
Dental assistant
$11.60 ___________
13.
Massage therapist
$13.82 ___________
14.
Physical therapy assistant
$16.20 ___________
15.
Physical therapy aide
$9.69 ___________
16.
Construction supervisor
$21.98 ___________
17.
Boilermaker
$18.51 ___________
18.
Carpenter
$16.55 ___________
19.
Carpet installer
$15.26 ___________
20.
Stonemason
$16.46 ___________
Job Hourly Annual
Title Rate Wages
21.
Pile driver operator
$20.00 ___________
22.
Construction laborer
$12.75 ___________
23.
Paving operator
$13.99 ___________
24.
Floor layer
$15.04 ___________
25.
Carpenter’s helper
$10.20 ___________
26.
Electrician’s helper
$10.41 ___________
27.
Painter’s helper
$9.73 ___________
28.
Roofer
$14.36 ___________
29.
Telephone operator
$12.88 ___________
30.
Payroll clerk
$12.89 ___________
31.
Teller
$8.81 ___________
32.
Receptionist
$9.55 ___________
33.
Hotel desk clerk
$7.79 ___________
34.
Executive secretary
$14.84 ___________
35.
Medical secretary
$11.51 ___________
36.
Legal secretary
$15.48 ___________
37.
Computer operator
$13.54 ___________
38.
Word processor
$11.67 ___________
39.
Desktop publisher
$14.98 ___________
40. Proofreader
$10.46 ___________
EXAMPLE
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 1, Lesson 3
3
Working with Time Cards
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?
This is Joline’s time card.
Solution: 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.
EXAMPLE
Morning Afternoon
In Out In Out
7:53 12:57 1:59 4:32
Time
Worked
1.
7:15 11:16 12:05 6:10 __________
2. 6:27 11:41 1:27 6:49 __________
3. 7:12 12:51 1:24 3:41 __________
4. 7:47 11:14 12:19 3:14 __________
5. 8:51 12:30 2:43 7:11 __________
6. 7:55 12:57 1:26 4:34 __________
7. 8:55 1:44 3:55 5:23 __________
8. 8:14 12:24 2:25 5:47 __________
9. 7:02 12:31 1:34 4:53 __________
10. 8:15 1:02 3:16 7:13 __________
11. 6:07 11:06 1:47 5:15 __________
12. 7:14 11:22 1:15 4:51 __________
13. 6:58 11:44 1:06 3:36 __________
14. 8:29 1:12 3:24 7:20 __________
Time
Worked
15.
6:34 11:41 1:29 5:45 __________
16. 7:22 12:05 2:46 4:48 __________
17. 6:19 10:29 11:16 4:22 __________
18. 8:21 1:48 2:15 7:17 __________
19. 6:58 10:20 12:58 4:10 __________
20. 6:02 10:44 12:26 3:20 __________
21. 7:46 11:18 1:48 5:16 __________
22. 6:04 11:28 1:20 3:46 __________
23. 8:29 1:35 2:35 5:43 __________
24. 7:04 12:44 2:51 5:39 __________
25. 7:19 11:10 12:11 3:12 __________
26. 7:11 12:27 2:34 5:01 __________
27. 7:48 12:00 1:00 6:35 __________
28. 7:54 12:46 2:16 5:30 __________
Morning Afternoon
In Out In Out
Morning Afternoon
In Out In Out
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 1, Lesson 4
4
Overtime Rates
Jamal earns $6.65 per hour. What are his overtime rates?
Time and a half Double time
$ 6.65 $ 6.65
1.5 2
 
3 325 $ 13.30
6 65

$ 9.975
Jamal’s 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.
Overtime Rates
Hourly Time and Double
Rate a Half Time
1.
$7.17 ___________ ___________
2. $8.70 ___________ ___________
3. $7.35 ___________ ___________
4. $12.70 ___________ ___________
5. $10.50 ___________ ___________
6. $8.22 ___________ ___________
7. $11.08 ___________ ___________
8. $13.66 ___________ ___________
9. $11.93 ___________ ___________
10. $6.75 ___________ ___________
Overtime Rates
Hourly Time and Double
Rate a Half Time
11.
$24.88 ___________ ___________
12. $17.90 ___________ ___________
13. $26.96 ___________ ___________
14. $29.88 ___________ ___________
15. $11.52 ___________ ___________
16. $20.02 ___________ ___________
17. $13.45 ___________ ___________
18. $19.45 ___________ ___________
19. $19.21 ___________ ___________
20. $18.63 ___________ ___________
EXAMPLE
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 1, Lesson 5
5
EXAMPLE
Working Overtime
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: Step 2: Step 3:
$006.32
Hourly Rate $006.3.2
Hourly Rate $009.48 Overtime Rate
40
Hours
1. 5
(Time and a half)
13
Overtime Hours
  
$252.80
Regular Wages 3.1.6.028.44
6.3.2.0 94.80
 
$9.4.8.0 Overtime Rate $123.24 Overtime Wages
Step 4:
$252.80
Regular Wages
123.24
Overtime Wages

$376.04
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 Total
Worked Rate Wages
1.
42 $8.00 
2. 41 $6.65 
3. 69 $5.82 
4.
77 $5.78 
5.
76 $6.57 
6. 94 $6.81 
7.
51 $5.29 
8.
101 $5.50 
9. 96 $6.38 
10.
80 $5.36 
11.
96 $13.70 
12.
56 $4.90 
13. 66 $4.20 
Hours Total
Worked Rate Wages
14.
62 $6.22 
15. 44 $18.41 
16. 80 $6.76 
17.
94 $5.25 
18.
72 $5.96 
19. 76 $7.46 
20.
68 $14.31 
21.
64 $7.54 
22. 64 $5.54 
23.
77 $7.73 
24.
70 $7.62 
25.
86 $6.98 
26. 44 $5.70 
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 1, Lesson 6
6
Compute Earnings that Include Tips
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 Step 2: Add tips to weekly wages
$5.15 Hourly wage $206.00 Weekly wages
40 Hours worked 153.00 Tips
 
$206.00 Weekly wages $359.00 Total income
Shasta’s 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 Sharmaine’s 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? _______________________
E
XAMPLE
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 1, Lesson 7
7
EXAMPLE
Weekly Wages for Piecework
Carol makes jewelry. She earns $0.78 for each piece that she
makes. How much will she earn this week?
Piece Rate
$0.78
Solution:49
57 2.65 Weekly production
63 $.78
Piece rate

42 21.20
54 188.50
 
265 Weekly production $206.70 Wages
Carol will earn $206.70.
Directions Compute the wages for each example below.
Daily Production
MTWThF
49 57 63 42 54
Daily Production
Piece
M T W Th F Rate Wages
1.
37 38 34 38 35 $1.00 ______________
2. 10 11 11 9 12 $3.12 ______________
3. 16 14 15 14 14 $3.01 ______________
4. 31 32 33 32 34 $1.05 ______________
5. 9 10 10 9 8 $2.91 ______________
6. 86769 $4.25 ______________
7. 19 18 18 18 15 $2.50 ______________
8. 13 14 11 13 11 $2.72 ______________
9. 14 13 13 12 14 $3.68 ______________
10. 17 20 21 19 20 $1.88 ______________
11. 12 16 17 16 15 $2.76 ______________
12. 67677 $3.66 ______________
13. 22 20 19 21 17 $2.44 ______________
14. 15 16 14 17 17 $1.76 ______________
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 1, Lesson 8
8
Rounding Money
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 Add 1? Drop remaining digits.
Cent: $3.567 $3.577 $3.57
Dime: $3.567 $3.667 $3.60 Hold cents place with zeros.
Dollar: $3.567 $4.567 $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.
Key Digit
Cent Dime Dollar
1.
$12.3456
$12.35 $12.30 $12
2.
$32.518 _______ ________ ________
3.
$10.334 _______ ________ ________
4.
$28.5361
______ _______ ______
5.
$67.0081
______ _______ ______
6.
$123.991
______ _______ ______
7.
$83.996
______ _______ ______
8.
$0.789
______ _______ ______
9.
$0.899
______ _______ ______
10.
$44.4444
______ _______ ______
Key Digit
Cent Dime Dollar
11.
$4.28532
______ _______ ______
12.
$34.5561
______ _______ ______
13.
$504.729
______ _______ ______
14.
$11.4981
______ _______ ______
15.
$125.873
______ _______ ______
16.
$39.0206
______ _______ ______
17.
$62.5820
______ _______ ______
18.
$0.5432
______ _______ ______
19.
$0.4532
______ _______ ______
20.
$831.38576
______ _______ ______
E
XAMPLE
Directions: Round each amount to the next cent, dime and dollar.
Key Digit
Cent Dime Dollar
21.
$12.3456
______ _______ ______
22.
$32.518
______ _______ ______
23.
$10.334
______ _______ ______
24.
$28.5361
______ _______ ______
Key Digit
Cent Dime Dollar
25.
$67.0081
______ _______ ______
26.
$4.28532
______ _______ ______
27.
$34.5561
______ _______ ______
28.
$504.729
______ _______ ______
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Name Date Period
Workbook Activity
Chapter 1, Lesson 9
9
Salary
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 Weekly Biweekly Semimonthly Monthly Quarterly Semiannually
Number of pays 52 26 24 12 4 2
$1,000.00 $2,000.00 $2,166.67 $4,333.33 $13,000.00 $26,000.00
52
$
5
2
,0
0
0
.0
0
26
$
5
2
,0
0
0
.0
0
24
$
5
2
,0
0
0
.0
0
12
$
5
2
,0
0
0
.0
0
4
$
5
2
,0
0
0
.0
0
2
$
5
2
,0
0
0
.0
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.
Weekly Biweekly Semi-monthly Monthly Quarterly Semi-annually
Annual 52 pay 26 pay 24 pay 12 pay 4 pay 2 pay
Worker Salary periods periods periods periods periods periods
1.
Jacob $15,600 ________ ________ ________ ________ ________ ________
2. Matthew $31,200 ________ ________ ________ ________ ________ ________
3. Joshua $78,000 ________ ________ ________ ________ ________ ________
4. Madison $10,920 ________ ________ ________ ________ ________ ________
5. Hannah $140,400 ________ ________ ________ ________ ________ ________
6. Samantha $93,600 ________ ________ ________ ________ ________ ________
7. Andrew $35,000 ________ ________ ________ ________ ________ ________
8. Ashley $90,000 ________ ________ ________ ________ ________ ________
9. Michael $27,430 ________ ________ ________ ________ ________ ________
10. Emily $44,358 ________ ________ ________ ________ ________ ________
E
XAMPLE
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Name Date Period
Workbook Activity
Chapter 1, Lesson 10
10
Renaming Percents as Decimals
Method: Remove the percent symbol and move the decimal point two
places to the left.
Rename 45% as a decimal. Rename 2.4% as a decimal.
45% 0.45 2.4% 0.024
Rename 13 % as a decimal. Write a zero to make two places.
13 % 0.13
Directions Rename these percents as decimals.
1
7
1
7
1
7
EXAMPLE
1. 35%
2. 28%
3. 5%
4. 2.6%
5. 4%
6. 1.2%
7. 0.1%
8. 4.01%
9. 26
5
8
%
10. 8.2%
11. 9%
12. 0.33%
13. 2%
14. 93%
15. 38%
16. 0.08%
17. 6.01%
18. 77.1%
19. 5.3%
20. 3.01
2
3
%
21. 48%
22. 6%
23. 7.001%
24. 0.05%
25. 453%
26. 35
1
2
%
27. 1%
28. 60%
29. 77%
30. 5.09%
31. 8.11%
32. 129%
33. 20%
34. 400%
35. 0.03%
36. 40
3
4
%
37. 7.11%
38. 34.4%
39. 0.79%
40. 12%
41. 5.055%
42. 2.21%
43. 681%
44. 0.01%
45. 3%
46. 100%
47. 2000%
48. 0.004%
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 1, Lesson 11
11
Earning Commission
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 Rate Sales Bonus Rate
$2,500 10% $4,966 14%
Step 1: Step 2: Step 3: Step 4:
$ 2,5.00 $ 4,966 $ 2,4.66 $250.00
Regular Commission
.10 2,500 .14 345.24 Bonus Commission
   
$250.00 $ 2,466 98.64 $595.24 Total Commission
246.60

$345.24 Bonus Commission
Santiago earned $595.24.
Directions Compute the total commission for each example below. Add the
bonus commission to the regular commission.
E
XAMPLE
Quota Rate Sales Bonus Rate Total Commission
1.
$5,300 11% $5,783 21% ________________
2. $8,700 6% $14,536 17% ________________
3. $1,600 11% $1,889 13% ________________
4. $5,600 8% $9,490 15% ________________
5. $9,400 10% $11,447 14% ________________
6. $4,500 5% $7,730 13% ________________
7. $8,800 4% $10,317 7% ________________
8. $4,600 2% $7,377 4% ________________
9. $2,500 8% $3,795 10% ________________
10. $1,900 8% $2,021 10% ________________
11. $4,600 9% $8,365 15% ________________
12. $8,800 3% $3,848 10% ________________
13. $4,400 5% $8,161 11% ________________
14. $7,000 9% $9,471 13% ________________
Regular
Commission
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Name Date Period
Workbook Activity
Chapter 1, Lesson 12
12
Salary Plus Commission
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 Step 2
$153,782 Sales $156.00 Salary
.004 Rate of commission 615.13 Commission
 
$615.128 Commission $771.13 Total earnings
Armand’s total earnings were $771.13.
Directions Find the commission and total earnings for the sales listed below.
Total Rate of Salary Total
Sales Commission Earned Commission Earnings
1.
$50,000 2% $200 _____________ _____________
2. $31,000 3% $100 _____________ _____________
3. $45,000 2.4% $150 _____________ _____________
4. $450,000 1.5% $125 _____________ _____________
5. $61,129 2.8% $250 _____________ _____________
6. $64,732 3.2% $100 _____________ _____________
7. $63,794 1.9% $150 _____________ _____________
8. $19,376 2.45% $100 _____________ _____________
9. $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 _____________ _____________
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 1, Lesson 13
13
Addition of Decimals
3 2.4 0.06
Write this: 3 3.00
2.4 OR 2.40
0.06 0.06
 
5.46 5.46
4 0.35 1.082
Write this: 4.000
0.350
1.082

5.432
Directions Add. Place zeros in the addends.
E
XAMPLE
Helpful Hints
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.
1. 3.00
2.93
0.78

2. 4.00
5.103
23.049
02.9012

3. 5.09
2.036
90.345

4. 1.026
4.56
63.0071
101.0000

5. 34.03
5.602
3.8401
23.1000

6. 6.7
.347
9.62
2.200

7. .506
41.0033
9.1
61.0000

8. 6.3
.037
7.0322
82.9000

9. 39.041
6.7
5.06
74.000

10. 923.1
73.12
7.00002
000.64000

11. 3.3
.0093
73.00381
2,920.08000

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 
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 2, Lesson 1
14
Expressing Prices
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. Express 89¢ in dollars.
$0.45 45¢ 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
1.
47¢ _______
2. _______ $0.52
3. 32¢ _______
4. _______ $1.79
5. _______ $2.55
6. 59¢ _______
7. _______ $1.05
8. 36¢ _______
9. _______ $0.04
10. 5¢ _______
Cents Dollars
11.
1.9¢ _______
12. _______ $0.005
13. 77.4¢ _______
14. _______ $0.0021
15. 9¢ _______
16. _______ $0.066
17. .05¢ _______
18. _______ 1
43
19. .78¢ _______
20. _______ 1
56
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 2, Lesson 2
15
Reading Prices
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 C) $149 D) 1
49
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.
AB C D
1.
47¢ $0.47 .47¢ .47 _______
2. $1.05 1.05¢ 105¢ 1
05
_______
3. $0.32 32¢ .32 $32 _______
4. .05¢ $0.05 .05 5¢ _______
5. .78 78¢ 7.8¢ $0.78 _______
6. 59¢ 5.9¢ .59 $.59 _______
7. $35 .35 $0.35 35¢ _______
8. 86¢ 8.6¢ .86 $0.86 _______
9. $96 .96 $0.96 96¢ _______
10. 5¢ .5¢ $0.05 .05 _______
11. $1.07 $107 1.07 1
07
_______
12. 5
79
$5.79 $0.579 5.79 _______
13. 5.99 $5
99
$599 $5.99 _______
14. $2
49
2.49 $2.49 $249 _______
15. 9¢ .09 $0.09 .09¢ _______
16. $3
88
388 $388 $3.88 _______
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 2, Lesson 3
16
Adding Prices
The fresh produce bin at the roadside stand posted these prices.
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 Step 3 Add the prices
point in each price. of each price
broccoli, 97¢  $0.97 2 lb broccoli 2 .97 $1.94 $1.94
bananas, $1  $1.00 3 lb bananas 1 1.00 $1.00 1.00
lettuce, 99¢  $0.99 2 heads lettuce 2 .99 $1.98 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
2 cantaloupes
1 lb apples __________
2. 3 cucumbers
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 __________
6. 9 lb bananas
4 heads lettuce
2 cantaloupes __________
7. 4 lb apples
1 head lettuce
3 cucumbers __________
8. 2 lb broccoli
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 __________
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 __________
EXAMPLE
Broccoli
97¢ per lb
Cucumbers
3 for 2
99
Bananas
$1 for 3 lb
Cantaloupes
2 for $5
Lettuce
99¢ each
Apples
88¢ lb
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Name Date Period
Workbook Activity
Chapter 2, Lesson 4
17
Computing Change
Shaunna paid for purchases of $16.95 with a $20.00 bill.
Compute her change.
Shaunna’s 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
1.
$9.90 $10 
2.
$7.69 $8 
3.
$12.67 $13 
4.
$2.02 $5 
5.
$7.32 $20 
6.
$11.12 $20 
7.
$13.92 $14 
8.
$13.03 $14 
9.
$5.53 $6 
10.
$9.10 $10 
11.
$7.94 $8 
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 $8 
19.
$0.11 $10 
Do not give more than
1 nickel,
2 dimes,
3 quarters,
4 pennies,
4 $1-bills, or
1 $5-bill.
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 2, Lesson 5
18
Subtraction of Decimals
3.63 0.734
Write this: 3.630 Insert a zero here.
0.734

2.896
8 0.631
Write this: 8.000 Insert zeros here.
0.631

7.369
Directions Insert zeros and subtract.
EXAMPLE
EXAMPLE
Helpful Hints
a) Remember to fill places in the
minuend and subtrahend with
zeros when necessary.
b) Remember to keep the decimal
points lined up.
1. 34.3
05.64

2.
4
00.349

3.
7.302
00.83

4.
5.1
01.204

5.
48.22
003.489

6.
39.4
00.0371

7.
10
003.4005

8.
356.748
007.8

9.
5.602
04.0498

10.
81.923
023.9047

11.
38
000.0273

12.
9
00.9

13.
3
0.0234

14.
74.73
05.332

15.
7465.2
0.9098

16.
37
08.394

Directions Write these in the vertical form and subtract.
17. 23.4 4.56 
18. 4 0.48 
19. 63.2 4.509 
20. 16 1.34 
21. 82 2.302 
22. 38.809 7.7081 
23. 9 3.4051 
24. 0.983 0.01023 
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 2, Lesson 6
19
Coupons for More than One
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 Step 2 Subtract
$4.99 $9.98
2 1.25
 
$9.98 $8.73
Directions For each set of items, find the cost when a coupon is used.
Item Price for 1 Item Coupon Value Cost
1. Peanuts $0.99 25¢ on 2 bags ___________________
2. Crackers $2.50 35¢ on 2 boxes ___________________
3. Potato chips $1.79 30¢ on 2 bags ___________________
4. Sliced American cheese $3.49 95¢ on 3 packs ___________________
5. Gelatin $2.09 75¢ on 4 boxes ___________________
6. Batteries $2.89 85¢ on 3 packs ___________________
7. Italian bread $0.88 20¢ on 2 loaves ___________________
8. Pasta $1.89 50¢ on 4 boxes ___________________
9. 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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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 2, Lesson 7
20
Pounds and Ounces
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 The weights are 29 oz and 28 oz
1 lb 12 oz 16 oz 12 oz 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
2. 32 oz 2 lb
3. 1 lb 6 oz 24 oz
4. 29 oz 2 lb
5. 5 oz 5 lb
6. 13 oz 1 lb
7. 2 lb 36 oz
8. 3 lb 5 oz 50 oz
9. 10 lb 10 oz 160 oz
10. 65 oz 4 lb 15 oz
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 2, Lesson 8
21
Expiration Dates
Marty cut from the newspaper a coupon for diapers that expires at the
end of October. If today’s 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.
Directions How much longer may each coupon be used?
Current Date Expiration Date on Coupon
1.
April 15, 2002 December 15, 2002 ________________________
2. June 30, 2004 December 1, 2004 ________________________
3. April 5, 2003 November 20, 2003 ________________________
4. August 14, 2005 September 15, 2005 ________________________
5. July 4, 2003 August 31, 2003 ________________________
6. December 15, 2003 February 28, 2004 ________________________
7. May 5, 2003 September 7, 2003 ________________________
8. July 10, 2004 December 24, 2004 ________________________
9. 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 ________________________
E
XAMPLE
MAY JUNE
SMTWT F S SMTWT F S
12 123456
3456789 78910111213
10 11 12 13 14 15 16 14 15 16 17 18 19 20
17 18 19 20 21 22 23 21 22 23
29 30
24 25 26 27
24 25 26 27 28 29 30
28
31
JULY AUGUST
SMTWT F S SMTWT F S
30 31
1234
30 31
29
1
567891011 2345678
12 13 14 15 16 17 18 9 10 11 12 13 14 15
19 20 21 22 23 24 25 16 17 18 19 20 21 22
26 27 28 29
23 24 25 26 27 28
SEPTEMBER OCTOBER NOVEMBER DECEMBER
SMTWT F S SMTWT F S SMTWT F S SMTWT F S
45
26 27 28
123 21 34567
234
67891011
123
12 45678910 891011121314
5
789
1
10 11 12
13 14 15 16 17 18 19 11 12 13 14 15 16 17 15 16 17 18 19 20 21 13 14 15 16 17 18 19
20 21 22 23 24 25 26 18 19 20 21 22 23 24
29 30 31
22 23 24 25 26 27 28 20 21 22 23 24 25 26
27 28 29 30
25
29 30 27 28 29 30 31
6
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Name Date Period
Workbook Activity
Chapter 2, Lesson 9
22
Division of Whole Numbers with Remainders
3,259 9 7,006 17 7,543 26
Write this: Write this: Write this:
Remember to write the remainder over the divisor.
Directions Divide.
362
1
9
9
3
,2
5
9
2,7

55
54

19
18

1
412
1
2
7
17
7
,0
0
6
6,8

20
17

36
34
   
2
290
2
3
6
26
7
,5
4
3
5,2

2,34
2,34

3
EXAMPLE
1. 8
2,
34
5
2. 7
3,
55
9
3. 11
3,
85
5
4. 9
5,
99
9
5. 18
5,
56
5
6. 31
11
,2
54
7. 11
3,
73
5
8. 20
11
0,
01
9
9. 41
4,
80
0
10. 42
4,
49
9
11. 61
25
,4
99
12. 40
14
,4
15
Directions Write these in the standard form and divide.
13. 14,472 91  14. 53,408 51  15. 72,420 65 
EXAMPLE EXAMPLE
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Name Date Period
Workbook Activity
Chapter 2, Lesson 10
23
The Key to Using Per
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 Step 2
Write word problem. Replace words with numbers.
Stack
It
e
m
s
14
4
5
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 _______________________
2. 60,000 watts, 15 hours Watts per hour _______________________
3. 46 miles, 2 gallons Miles per gallon _______________________
4. 46 miles, 2 gallons Gallons per mile _______________________
5. 320 people, 8 buses People per bus _______________________
6. 1,240 students, 46 classes Students per class _______________________
7. $634.56 tips, 31 tables Tips per table _______________________
8. 816 apples, 12 bushels Apples per bushel _______________________
9. 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 _______________________
E
XAMPLE
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Name Date Period
Workbook Activity
Chapter 2, Lesson 11
24
Division of Decimals
18.4 8 0.768 1.6
Write this: Write this:
Directions Divide.
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.
.48
1.6
0
.7
6
8
64

128
128

2.3
8
1
8
.4
16

24
24

Quotient
Dividend
Divisor
E
XAMPLE
1. 9
41
.4
2. 5
3.
65
3. 8
41
.6
4. 15
40
.5
5. 1.9
8.
74
6. 1.1
84
.7
7. .72
1.
22
4
8. 4.3
8.
21
3
19. .026
1.
35
2
10. .57
.9
23
4
11. .33
6.
27
12. .056
.6
32
8
13. .26
.1
09
46
14. .09
.1
10
7
15. .36
32
.7
6
16. .04
.8
44
Directions Write these in standard form and divide.
17. 0.06734 0.037 ____________________
18. 6.592 0.16 ________________________
19. 0.08357 0.61 _____________________
20. 0.4212 0.36 ______________________
21. 0.0405 0.015 _____________________
22. 0.04592 0.41 _____________________
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Name Date Period
Workbook Activity
Chapter 2, Lesson 11
25
Rounding the Quotient
Round to the nearest tenth. Round to the nearest hundredth.
8 0.9 0.89 2.3
Write this: Write this:
Reminder: It may be necessary to write zeros in the dividend.
Directions Divide. Round to the place indicated.
EXAMPLE
Zeros may be inserted
one at a time until the
desired number of
places is reached for
rounding.
8.88 ≈ 8.9
0.9
8
.0
0
0
72

80
72

80
72

8
.386 ≈ .39
2.3
0
.8
9
0
0
6 9

2 00
1 84

160
138

22
1. Tenth
.6
5
2. Hundredth
.06
7.
1
3. Hundredth
23
1
4. Thousandth
5.8
5.
9
5. Hundredth
1.9
2.
5
6. Tenth
.9
.8
7
7. Hundredth
1.3
.1
4
8. Hundredth
.62
5.
3
9. Thousandth
.03
2
10. Hundredth
6.3
.6
4
11. Hundredth
5.1
7.
2
12. One
.024
1.
04
13. Hundredth
7.1
6.
3
14. Tenth
9
10
15. Thousandth
6
2
16. Hundredth
12
1.
45
Directions Write these in the standard form and divide. Round the quotients
to the nearest hundredth.
17. 5.1 7.6 
18.
1.7 0.16 
19.
0.215 0.34 
20.
5 0.32 
E
XAMPLE
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Name Date Period
Workbook Activity
Chapter 2, Lesson 12
26
Shopping for the Best Buy
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.
EXAMPLE
Unit Unit Better
Offer 1 Price Offer 2 Price 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  
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 2, Lesson 13
27
Tipping in a Restaurant
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 Step 2 Divide by the number of diners.
to the bill. Do this in one Round to the nearest 10 cents.
step by mentally adding the
percent of the tip to 100%.
$23.95 ≈ $24.00
Notice 100% 15% 115% 6
$
1
4
3
.7
5
$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 Number Percent Total Bill Each Person’s
the Bill of Diners for Tip Plus Tip Share
1.
$124.00 4 15% ____________ ____________
2. $148.00 5 20% ____________ ____________
3. $80.00 3 15% ____________ ____________
4. $56.00 2 15% ____________ ____________
5. $259.75 6 20% ____________ ____________
6. $163.82 4 15% ____________ ____________
7. $374.60 8 18% ____________ ____________
8. $44.81 2 15% ____________ ____________
9. $94.71 3 15% ____________ ____________
10. $203.86 5 20% ____________ ____________
11. $66.90 3 15% ____________ ____________
12. $317.04 7 20% ____________ ____________
13. $478.45 10 18% ____________ ____________
14. $207.14 6 15% ____________ ____________
15. $571.08 10 18% ____________ ____________
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 3, Lesson 1
28
Ready-to-Wear
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. Step 2 Multiply the cost by the sales tax rate.
2 pairs wool socks @ $6.99 $13.98 Round to the next higher cent. (Note:
Jacket @ $55.00 55.00 some states use rounding to nearest
2 pairs underwear @ $12.50  25.00 cent, others raise to the next cent.)

$93.98 $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.
Cost of Tax Sales Total
Shopper Purchases Purchases Rate Tax Amount Paid
1.
Serena 2 bathing suits @ $29.00 5%
flippers, $18.79
2. Boris hiking boots, $104.59 6%
4 pair socks @ $12.99
3. Jane poncho, $49.99 7%
boots @ $29.99
4. Liu backpack, $149
00
4%
2 kercheifs, @ $5
00
5. Raven pocket pants, $29.99 4%
5 pairs sweats, $39.99
6. Bob ski gloves, $24.97 5%
3 scarves @ $5.85
7. Myan sun hat, $7
99
3.5%
shorts, $14.97
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 3, Lesson 2
29
Finding Amount Saved on Sale Prices
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. Step 2 Subtract to find the Sale Price
$125.00 Regular price
$125 30% 37.50 Amount Saved

$125 .30 $37.50 $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.
Item Regular Price Discount Amount Saved Sale Price
1. Airline ticket $399.00 12%
2. Music CD $14.99 10%
3. Inline skates $240.00 20%
4. Boom box $79.50 15%
5. Best-selling book $29.95 20%
6. Mountain bike $749.50 5%
7. Hockey stick $10.00 10%
8. Camcorder $699.95 30%
9. Hair dryer $35.00 10%
10. DVD player $149.49 15%
11. Video game $39.95 10%
12. Concert tickets $42.00 5%
13. Cell phone $159.00 20%
14. Movie ticket $7.50 50%
15. Telephone card $25.00 20%
16. Handheld pc $249.00 15%
17. Digital camera $399.00 10%
18. Karaoke machine $99.99 30%
19. 53” HDTV monitor $3,010.00 17%
20. DVD home theater system $600.00 17%
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Renaming Decimals as Percents
Method: Move the decimal point two places to the right and write a percent
symbol.
Rename 0.45 as a percent. Rename 1.2 as a percent.
0.45 45% 1.2 120%
Rename 3 as a percent. Write a zero to
3 300%
make two places.
Directions Rename these decimals as percents.
©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 3, Lesson 3
30
EXAMPLE
EXAMPLE
EXAMPLE
1. 0.24
2. 0.05
3. 0.234
4. 0.016
5. 1.29
6. 2.33
7. 0.002
8. 14.5
9. 28.1
10. 5.2
11. 0.06
12. 4.05
13. 56.2
14. 0.9
15. 5.5
16. 3.44
17. 0.1
18. 0.91
19. 31.6
20. 0.0035
21. 0.001
22. 4
23. 71
24. 8.9
25. 3.7
26. 0.4
27. 6.01
28. 0.318
29. 4.051
30. 1.8
31. 74.9
32. 82
33. 8.0
34. 6.05
35. 0.6
36. 0.11
37. 0.003
38. 0.106
39. 1.29
40. 2
41. 0.0452
42. 0.444
43. 4.881
44. 0.0201
45. 0.0001
46. 3.3
47. 56
48. 1.011
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Name Date Period
Workbook Activity
Chapter 3, Lesson 4
31
Computing the Sale Price
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.
EXAMPLE
Regular Sale
Price Discount Price
1.
$26.00 10% 
2.
$17.43 12% 
3.
$38.46 26% 
4.
$36.32 11% 
5.
$46.61 8% 
6.
$30.17 38% 
7.
$20.70 28% 
8.
$35.66 31% 
9.
$17.01 16% 
10.
$362.01 31.2% 
11.
$40.87 43% 
12.
$26.60 31% 
13.
$19.89 44% 
14.
$42.20 39% 
15.
$26.67 44% 
16.
$6.98 2% 
17.
$28.45 25% 
Regular Sale
Price Discount Price
18.
$23.30 36% 
19.
$46.90 24% 
20.
$46.84 36% 
21.
$5.13 8% 
22.
$9.45 39% 
23.
$34.60 21% 
24.
$8.73 3% 
25.
$411.84 37.1% 
26.
$43.97 16% 
27.
$39.03 18% 
28.
$17.80 12% 
29.
$32.70 17% 
30.
$18.65 26% 
31.
$32.99 17% 
32.
$30.13 15% 
33.
$47.02 45% 
34.
$45.44 41% 
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Name Date Period
Workbook Activity
Chapter 3, Lesson 5
32
Buying from a Catalog
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!
Men’s sizes S, M, L, XL, XXL. Women’s sizes XS, S, M, L, XL.
Men’s 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
EXAMPLE
Directions Complete the order forms for Ron and Jane.
Item # How Many Color Size Description Amount
Total of Merchandise
Add 8% sales tax
Shipping & Handling 5.95
Total Amount
1.
2.
3.
4.
5.
6.
7.
Item # How Many Color Size Description Amount
Total of Merchandise
Add 8% sales tax
Shipping & Handling 5.95
Total Amount
1.
2.
3.
4.
5.
6.
7.
Women’s CoolGuy T-shirts in Lapis, White,
or Cherry
Short-sleeve #5968 $24.00
Long-sleeve #5969 $30.00
Ron
Jane
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Name Date Period
Workbook Activity
Chapter 3, Lesson 6
33
Renaming to the Simplest Form
16
Think: 1
7
9
7

2
Answer: 1
Directions Rename each to the simplest form.
2
7
9
7
15
4
9
7
Think:
3
4
1
5
equals 3
12

3
3
4
16 16
16 16 3
16 19
3
4
15
4
3
4
15
4
15
4
15
4
EXAMPLE
1.
2. 16
3.
4.
5.
6.
7.
8.
9. 23
10.
11.
12.
13.
14.
15. 25
16.
17. 13
18.
19.
20.
21.
22.
23.
24. 33
25. 5
26. 1
27.
28.
29.
30. 2
31.
32.
33. 6
34. 7
35. 9
21
4
4
3
5
4
75
8
53
10
3
2
53
13
47
8
16
3
32
7
18
9
16
3
45
7
123
11
108
9
64
7
57
6
29
7
5
2
33
10
5
4
32
7
26
13
35
8
42
5
19
6
16
9
22
4
23
5
28
5
25
3
22
7
19
2
4
3
18
5
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 3, Lesson 7
34
Expressing Fractions in Higher Terms
Express as a fraction with a denominator of 24.
Step 1: Step 2: Step 3: Step 4:

Because 24 6 4, multiply 5 by 4. New fraction.
Directions Express each fraction in higher terms as indicated.
20
24
5
6
20
24
5 4
6 4
0
24
5 4
6 4
0
24
5
6
5
6
EXAMPLE
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.
32.
33.
34.
35.
36.
37.
38.
39.
40.
0
200
5
40
0
250
35
50
0
161
11
23
0
117
4
13
0
105
6
15
0
91
5
13
0
76
2
19
0
112
5
16
0
54
3
18
0
72
2
12
0
70
5
7
0
84
2
12
0
80
4
5
0
80
3
16
0
121
2
11
0
126
12
21
0
52
3
4
0
108
2
3
0
63
1
7
0
54
3
9
0
95
3
5
0
56
5
7
0
110
4
22
0
65
3
13
0
48
1
16
0
84
4
21
0
60
11
12
0
60
12
20
0
34
2
17
0
66
3
11
0
75
4
15
0
39
5
13
0
10
1
2
0
54
6
9
0
35
2
7
0
36
5
12
0
55
5
11
0
12
2
3
0
36
4
9
0
40
7
8
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Name Date Period
Workbook Activity
Chapter 3, Lesson 8
35
Addition of Fractions
12 4 13 3
Write this: 12 Write this: 13 13
04 03 3
16 16 16
Directions Add. Simplify your answers to the lowest terms.
1
2
7
14
4
5
3
14
3
14
3
5
4
14
2
7
1
5
3
14
2
7
3
5
1
5
EXAMPLE
If the denominators are the
same, then add the
numerators.
Find the least common
denominator. Then add.
Simplify to the
lowest terms.
1. 13
02
2. 23
05
3. 18
09
4. 5
06
5. 3
02
6. 8
00
7. 09
05
8.
00
9.
00
10. 2
01
11. 35
04
12. 14
03
13. 33
00
14.
00
15.
00
16. 03
02
17. 05
02
18. 09
02
19. 08
05
20. 02
00
21. 08
02
22. 32
01
23. 02
05
24. 21
04
6
8
5
7
5
13
2
64
3
16
3
38
6
19
8
45
1
5
5
66
2
11
1
9
1
6
3
5
1
3
1
6
3
8
4
8
6
7
2
30
3
15
1
6
5
8
1
5
2
10
1
8
6
7
5
20
3
10
5
22
8
22
1
5
5
6
2
3
1
6
5
12
1
8
1
7
3
26
2
13
1
5
1
2
2
17
5
17
2
8
3
8
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 3, Lesson 8
36
EXAMPLE
If the denominators are the
same, then subtract the
numerators.
Find the least common denomi-
nator. Then subtract.
Simplify to the
lowest terms.
E
XAMPLE
1. 00
00
2. 14
02
3. 08
06
4. 07
02
5. 06
04
6. 25
02
7. 02
01
8. 10
01
9. 03
00
10. 12
03
11. 26
04
12. 02
01
13. 03
02
14. 08
02
15. 18
03
16. 07
02
17. 26
02
18. 09
04
19. 01
00
20. 14
05
21. 30
04
22. 15
02
23. 81
03
24. 12
03
2
25
6
10
2
22
2
11
3
7
1
2
4
39
3
13
1
8
1
5
3
7
27
28
2
9
5
12
1
6
7
8
3
18
8
9
1
15
2
5
2
18
5
12
3
16
5
8
6
66
7
11
2
6
3
8
4
5
2
8
7
12
1
32
3
16
1
7
2
3
3
8
5
7
1
5
19
20
6
10
4
5
1
6
2
3
1
15
11
15
4
7
6
7
Subtraction of Fractions
13 2 6 2
Write this: 13 Write this: 6 6
02 2 2
11 11 4 4
Directions Subtract. Simplify your answers to the lowest terms.
4
7
12
21
3
4
9
12
3
21
3
21
2
12
15
21
5
7
11
12
3
21
5
7
2
12
11
12
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Name Date Period
Workbook Activity
Chapter 3, Lesson 8
37
Subtraction with Renaming
10 4 9 6
Write this: 10 9 Write this: 9 9 8
04 4 6 6 6
5 2 2
Directions Subtract. Rename when necessary. Simplify your answers.
2
3
10
15
10
11
11
15
11
15
11
15
5
11
5
11
21
15
6
15
2
5
15
11
4
11
11
15
2
5
5
11
4
11
EXAMPLE
Remember 1 ,
so .
11
11
4
11
15
11
11
11
1. 12
03
2. 5
03
3. 16
05
4. 18
02
5. 33
00
6. 41
03
7. 36
04
8. 45
02
9. 4
02
10. 29
04
11. 11
03
12. 29
04
13. 25
02
14. 4
02
15. 3
02
16. 1
00
17. 27
02
18. 4
02
19. 18
02
20. 17
03
21. 8
02
22. 15
05
23. 3
02
24. 4
03
6
7
1
3
2
9
9
10
3
4
1
4
4
8
2
9
1
5
1
2
1
3
7
8
5
16
8
9
7
8
4
5
1
3
3
8
1
6
1
4
1
6
21
62
6
31
8
22
2
11
5
8
3
16
1
5
2
15
3
10
1
9
6
7
3
14
4
5
7
10
8
9
15
18
6
7
1
5
3
4
2
3
4
7
2
7
6
13
5
13
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Name Date Period
Workbook Activity
Chapter 3, Lesson 9
38
Multiplication of Decimals
31.2 0.34 0.33 0.005
Write this: 3 1.2 Write this: .33
000.3 4 00.0 05
 
1 2 4 8 0.00 1 65
93 6

10.6 0 8
Directions Multiply.
Decimal place
Decimal places
Decimal places to be
marked off in the
product counting
from right to left.
1
02

3
Sometimes it becomes neces-
sary to insert zeros at the left.
EXAMPLE
1. 003.4
2.6
2. 0071.8
0.29
3. 003.02
0.12
4. 004.21
0 3.8
5. 00 10.8
1.71
6. 004.501
002.3
7. 0020.34
010.3
8. 00.234
.008
9. 001.03
.009
10. 00.0037
0.019
11. 00.00319
0.0084
12. 00.0028
0.072
Directions Write these in vertical form and multiply.
13. 2.034 4.5 
14.
4.9 0.009 
15.
0.004 0.24 
16.
49.5 3.4 
17.
3.405 0.003 
18.
0.00391 0.019 
19.
0.934 23.1 
20.
0.0201 0.039 
21.
0.0031 0.009 
22.
10.07 0.35 
23.
129 4.03 
24.
0.506 0.0001 
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Name Date Period
Workbook Activity
Chapter 3, Lesson 10
39
Using a Charge Account
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.
Ryan’s interest charge per month is 0.9% of the unpaid balance. How
much will she owe next month if she makes no new purchases?
Step 1 Subtract the payment Step 2 Find the interest on Step 3 Add the interest to
from the balance to the unpaid balance. the unpaid balance
find unpaid balance. to the new balance.
$330 Balance $250 $250.00
80 Payment .009 2.25
  
$250 New Balance $2.25 $252.25
Ryan now owes $252.25 on her charge account.
Directions Find the interest and new balance on these charge accounts.
Unpaid Interest Rate New
Balance Payment Balance per Month Interest Balance
1. $100.00 $20 1.2%
2. $1,020.00 $100 1.5%
3. $450.00 $45 1.6%
4. $825.00 $85 0.9%
5. $56.00 $2.80 1.4%
6. $143.00 $7.15 1.5%
7. $253.00 $12.65 1.6%
8. $167.00 $8.35 2.0%
9. $52.70 $2.64 1.8%
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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Name Date Period
Workbook Activity
Chapter 3, Lesson 11
40
Using a Layaway Plan
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.
Percent Deposit Remainder Number of Payment
Item Price Deposit Amount Due Payments Amount
1. Air Filter $249.99 20% 5
2. Water Heater $269.99 33% 10
3. Sewing Machine $175.00 30% 5
4. Down Comforter $159.00 10% 6
5. Clothes Dryer $499.99 15% 10
6. Winter Coat $174.99 15% 5
7. Set of Luggage $249.99 10% 5
8. Cooking Pan Set $179.99 12% 10
9. Mountain Bike $359.99 25% 5
10. DVD Player $229.99 50% 5
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Workbook Activity
Chapter 4, Lesson 1
41
Renting a Home
Renter’s Rule You should spend no more than one week’s income for
a month’s 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 renter’s rule to find the maximum amount that should be spent
for rent with each of these incomes. Remember that 1 year equals 12
months or 52 weeks. Round answers to the nearest dollar.
Renter Income Maximum Amount for Rent
1.
Makayla $8,146 per month __________________________
2. Jared $1,256 every two weeks __________________________
3. Brooke $18,450 annually __________________________
4. Marissa $3,549 monthly __________________________
5. Ian $2,894 biweekly __________________________
6. Marcus $6,268 per month __________________________
7. Devin $44,000 annually __________________________
8. Eduardo $2,025 every two weeks __________________________
9. Vanessa $1,563 monthly __________________________
10. Miguel $28,800 annually __________________________
11. Wyatt $3,095 monthly __________________________
12. Isabelle $42,970 annually __________________________
13. Lucas $940 every two weeks __________________________
14. Alexandria $3,564 monthly __________________________
15. Shelby $40,600 annually __________________________
16. Trinity $2,335 every two weeks __________________________
17. Kimberly $4,040 monthly __________________________
18. Blake $800 twice a month __________________________
19. Antonio $955 twice a month __________________________
20. Fernando $32,684 annually __________________________
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Workbook Activity
Chapter 4, Lesson 2
42
Buying a Home
Banker’s 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 Step 2: Apply the Banker’s Rule
$900 weekly income $46,800
52 weeks in a year 2.5
 
$46,800 annual income $117,000
Arianna may borrow up to $117,000.
Directions Use the Banker’s 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.
Annual Maximum Able
Renter Income Income to Borrow
1.
Makayla $8,146 per month __________________ ____________________
2. Jared $1,256 every two weeks __________________ ____________________
3. Brooke $18,450 annually __________________ ____________________
4. Marissa $3,549 monthly __________________ ____________________
5. Ian $2,894 biweekly __________________ ____________________
6. Marcus $6,268 per month __________________ ____________________
7. Devin $44,000 annually __________________ ____________________
8. Eduardo $2,025 every two weeks __________________ ____________________
9. Vanessa $1,563 monthly __________________ ____________________
10. Miguel $28,800 annually __________________ ____________________
11. Wyatt $3,095 monthly __________________ ____________________
12. Isabelle $42,970 annually __________________ ____________________
13. Lucas $940 every two weeks __________________ ____________________
14. Alexandria $3,564 monthly __________________ ____________________
15. Shelby $40,600 annually __________________ ____________________
16. Trinity $2,335 every two weeks __________________ ____________________
17. Kimberly $4,040 monthly __________________ ____________________
18. Blake $800 twice a month __________________ ____________________
19. Antonio $955 twice a month __________________ ____________________
20. Fernando $32,684 annually __________________ ____________________
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Workbook Activity
Chapter 4, Lesson 3
43
Computing the Down Payment
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 Step 2 Find amount to mortgage
$83,500 $83,500
.18 15,030
 
$15,030.00 $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 Rate of
House Down Payment Down Payment Mortgage
1. $53,000 10% ____________________ ____________________
2. $65,000 15% ____________________ ____________________
3. $67,500 20% ____________________ ____________________
4. $69,900 30% ____________________ ____________________
5. $74,500 10% ____________________ ____________________
6. $86,000 5% ____________________ ____________________
7. $99,900 20% ____________________ ____________________
8. $101,000 18% ____________________ ____________________
9. $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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Name Date Period
Workbook Activity
Chapter 4, Lesson 4
44
Paying Mortgages
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 Rate Term in Years
$84,000 10.5% 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%
$00084,000
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.
Directions Compute the principal remaining at the end of each 5-year balloon mortgage.
E
XAMPLE
Percentage of Mortgage
Principal Left After 5 Years
Term
Rate 20 Yrs. 30 Yrs.
10% 89.8% 96.6%
10.5% 90.3% 96.9%
11% 90.8% 97.2%
11.5% 91.3% 97.4%
12% 91.7% 97.7%
12.5% 92.2% 97.9%
13% 92.6% 98.1%
13.5% 93.1% 98.3%
14% 93.4% 98.4%
14.5% 93.7% 98.6%
15% 94.1% 98.7%
15.5% 94.4% 98.8%
16% 94.7% 99%
Term in Remaining
Mortgage Rate Years Principal
1.
$79,000 14.5% 30 
2.
$89,000 11.5% 30 
3.
$42,000 10% 30 
4.
$64,000 14% 30 
5.
$67,000 12.5% 20 
6.
$68,000 14% 30 
7.
$42,000 15% 30 
8.
$55,000 14% 30 
9.
$104,000 12.5% 20 
10.
$781,000 16% 30 
11.
$98,000 13.5% 20 
12.
$104,000 10.5% 30 
13.
$73,000 15% 30 
Term in Remaining
Mortgage Rate Years Principal
14.
$106,000 12% 30 
15.
$69,000 13% 20 
16.
$59,000 12% 30 
17.
$84,000 15.5% 30 
18.
$1,056,000 11% 20 
19.
$48,000 15.5% 30 
20.
$66,000 14% 20 
21.
$67,000 14.5% 30 
22.
$85,000 11.5% 30 
23.
$67,000 10.5% 20 
24.
$86,000 10.5% 30 
25.
$78,000 12% 20 
26.
$104,000 15.5% 30 
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Name Date Period
Workbook Activity
Chapter 4, Lesson 5
45
Fixed-Rate Mortgage Payments
Mortgage Rate Term in Years
$65,000 12.75% 25
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
Directions Compute the total payment for each of these mortgage loans.
Monthly Payment to Amortize (Repay)
a Loan of $1,000
Term
Rate 20 Years 25 Years 30 Years
12.50% $11.37 $10.91 $10.68
12.75% 11.54 11.10 10.87
13.00% 11.72 11.28 11.07
13.25% 11.90 11.47 11.26
13.50% 12.08 11.66 11.46
13.75% 12.26 11.85 11.66
14.00% 12.44 12.04 11.85
14.25% 12.62 12.23 12.05
14.50% 12.80 12.43 12.25
14.75% 12.99 12.62 12.45
EXAMPLE
Term in Total
Mortgage Rate Years Payment
1.
$55,000 13.75% 30 
2.
$55,000 14% 30 
3.
$34,000 13.5% 30 
4.
$34,000 13.75% 30 
5.
$50,000 14.5% 25 
6.
$50,000 14.75% 25 
7.
$102,000 14.25% 25 
8.
$102,000 14.5% 25 
9.
$726,000 14.5% 25 
10.
$726,000 14.75% 25 
11.
$108,000 13.5% 30 
12.
$108,000 13.75% 30 
13.
$57,000 12.75% 30 
Term in Total
Mortgage Rate Years Payment
14.
$46,000 13.5% 25 
15. $46,000 13.5% 20 
16.
$36,000 14.25% 25 
17.
$36,000 14.25% 30 
18.
$65,000 13.25% 25 
19.
$65,000 13.25% 30 
20.
$105,000 13.75% 25 
21.
$105,000 13.75% 20 
22.
$1,100,000 13.25% 25 
23.
$1,100,000 13.25% 30 
24.
$42,000 12.75% 25 
25.
$42,000 12.75% 30 
26.
$55,000 13.75% 25 
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
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 4, Lesson 6
46
Reading Utility Meters
ABCD
681 1
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 number–unless 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.
1.
2.
3.
4.
5.
EXAMPLE
0
1
2
3
4
5
6
7
8
9
0
9
8
7
6
5
4
3
2
1
0
1
2
3
4
5
6
7
8
9
0
9
8
7
6
5
4
3
2
1
0
1
2
3
4
5
6
7
8
9
0
9
8
7
6
5
4
3
2
1
0
1
2
3
4
5
6
7
8
9
0
9
8
7
6
5
4
3
2
1
0
1
2
3
4
5
6
7
8
9
0
9
8
7
6
5
4
3
2
1
0
1
2
3
4
5
6
7
8
9
0
9
8
7
6
5
4
3
2
1
0
1
2
3
4
5
6
7
8
9
0
9
8
7
6
5
4
3
2
1
0
1
2
3
4
5
6
7
8
9
0
9
8
7
6
5
4
3
2
1
0
1
2
3
4
5
6
7
8
9
0
9
8
7
6
5
4
3
2
1
0
1
2
3
4
5
6
7
8
9
0
9
8
7
6
5
4
3
2
1
0
1
2
3
4
5
6
7
8
9
0
9
8
7
6
5
4
3
2
1
0
1
2
3
4
5
6
7
8
9
0
9
8
7
6
5
4
3
2
1
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 4, Lesson 7
47
Subtraction of Whole Numbers
30,045 4,857
Write this: 30,045 Minuend
04,857 Subtrahend

25,188 Difference or Remainder
Directions Subtract.
EXAMPLE
1. 372 45 
2.
754 586 
3.
3,841 548 
4.
9,004 486 
5.
3,945 459 
6.
5,108 4,960 
7.
4,056 3,506 
8.
50,400 38,404 
9.
30,451 5,968 
10.
84,452 9,574 
11.
95,068 49,052 
12.
89,502 9,495 
13.
490,683 39,475 
14.
10,237 9,340 
15.
102,873 30,475 
16.
340,900 12,009 
17.
340,581 93,364 
18.
200,319 92,338 
19.
300,471 49,284 
20.
100,000 20,594 
21.
101,039 39,900 
22.
944,032 94,475 
23.
200,341 90,943 
24.
837,529 84,750 
25.
838,470 84,757 
26.
580,334 84,758 
27.
405,562 393,400 
28.
344,163 12,419 
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 4, Lesson 8
48
Telephone Bills
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.
Flat Optional Long
Rate Services Distance Taxes Monthly Bill
1. $14.78 $14.88 $1.43 $0.67 _____________
2. $18.34 $3.77 $6.09 $1.44 _____________
3. $24.77 $7.39 $11.53 $3.27 _____________
4. $19.34 $6.13 $27.84 $7.33 _____________
5. $14.55 $5.99 $88.92 $1.63 _____________
6. $18.90 $5.08 $127.55 $2.79 _____________
7. $22.02 $4.07 none $3.34 _____________
8. $24.11 $11.52 $37.67 $5.19 _____________
9. $13.05 $38.41 $44.80 $4.78 _____________
10. $18.79 $9.62 $2.36 $0.98 _____________
11. $33.71 $11.74 $4.87 $3.65 _____________
12. $19.33 $21.94 $9.78 $2.87 _____________
13. $13.38 $12.87 $41.64 $3.21 _____________
14. $9.22 $33.62 $209.76 $10.56 _____________
15. $7.29 $5.81 $123.65 $5.76 _____________
16. $9.12 none $77.99 $4.32 _____________
17. $18.73 $4.50 $12.09 $0.78 _____________
18. $14.88 $8.37 $2.78 $0.56 _____________
19. $28.69 $9.99 $32.64 $1.32 _____________
20. $33.68 $10.68 $1.11 $1.45 _____________
EXAMPLE
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 4, Lesson 9
49
Policy Year in Term of Amount of
Which Death Occurs Mortgage Mortgage Benefit Paid
1.
15 20 $50,000 _____________________
2. 5 25 $45,000 _____________________
3. 5 20 $85,000 _____________________
4. 25 30 $132,600 _____________________
5. 5 10 $10,500 _____________________
6. 15 25 $101,900 _____________________
7. 1 20 $32,700 _____________________
8. 10 25 $87,900 _____________________
9. 30 30 $145,800 _____________________
10. 5 15 $52,900 _____________________
11. 20 25 $98,900 _____________________
12. 15 30 $123,500 _____________________
EXAMPLE
Mortgage Insurance
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.
Percent of Mortgage Covered
Policy Year 30 25 20 15 10
in which Year Year Year Year Year
Death Occurs Term Term Term Term Term
1 100% 100% 100% 100% 100%
5 94% 92% 88% 80% 66%
10 84% 77% 67% 49% 12%
15 71% 59% 41% 9%
20 55% 36% 8%
25 34% 7%
30 7%
Step 1 Read Chart Step 2 Multiply the mortgage by 34%
For a 30 year term mortgage, $75,900
the benefit in the 25th year is 34% .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.
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Name Date Period
Workbook Activity
Chapter 4, Lesson 10
50
Solving for the Percentage
rate base percentage
23% of 35 is what number? Step 1: Write the rate as a decimal.
0.23 35 N Step 2: Multiply the rate times the base.
8.05 N
2% of 5.8 is what number?
0.02 5.8 N
0.116 N
Directions Solve for the percentage.
EXAMPLE
1. 4% of 37 is what number? 
2.
34% of 5.7 is what number? 
3.
5% of 6 is what number? 
4.
7.4% of 200 is what number? 
5.
25% of 0.57 is what number? 
6.
5.6% of 283 is what number? 
7.
55% of 104 is what number? 
8.
48% of 2003 is what number? 
9.
90% of 203 is what number? 
10.
0.38% of 74 is what number? 
11.
50% of 300 is what number? 
12.
6.01% of 0.01 is what number? 
13.
110% of 90 is what number? 
14.
85% of 3000 is what number? 
15.
40% of 0.92 is what number? 
16.
57.5% of 70.5 is what number? 
17.
75% of 10 is what number? 
18.
60% of 9 is what number? 
19.
7.2% of 44 is what number? 
20.
5% of 6.9 is what number? 
21.
41% of 54.18 is what number? 
22.
36% of 0.102 is what number? 
23.
70% of 384 is what number? 
24.
6.3% of 7.02 is what number? 
25.
0.9% of 7 is what number? 
26.
38% of 4.7 is what number? 
27.
0.5% of 100 is what number? 
28.
8% of 16 is what number? 
EXAMPLE
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 5, Lesson 1
51
Addition of Whole Numbers
234 349 1,603  Write this: 234
349
1,603

2,186
Directions Add.
Addends
Sum
EXAMPLE
1. 23 48 506 
2.
5 94 80 3 
3.
5 74 102 49 
4.
203 448 509 
5.
429 747 67 
6.
690 38 441 8 
7.
3,594 37 380 
8.
405 393 4,488 
9.
48,204 74,503 302 
10.
7,834 6,539 92,389 
11.
283 7,485 3,774 
12.
560 374 6,005 
13.
4,759 5,768 30,481 
14.
49,036 87,630 390,476 
15.
30,457 58,604 80,512 
16.
38,405 50,067 40,584 
17.
203,753 859,302 702,641 
18.
5,037,583 7,458,324 37,495,621

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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 5, Lesson 2
52
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. Marti’s car has a sale price of $6,630. How much money does she pay
after a $1,090 rebate? _________________
4. Tashia’s 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. Calvin’s 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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Name Date Period
Workbook Activity
Chapter 5, Lesson 3
53
Financing a Car
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 Antigone’s car and the total interest she paid?
Step 1 Multiply to find total monthly payments Step 2 Add to find deferred price
$456.49 Monthly Payment $32,867.28 Total Monthly Payments
72 Months 6,500.00 Down Payment
 
$32,867.28 Total Monthly Payments $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 Antigone’s 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 Down Monthly Months Total Monthly Deferred Interest
Price Payment Payment to Pay Payments Price Paid
1.
$26,000 $6,000 $456.49 72 ____________ ____________ ____________
2. $14,000 $4,000 $252.13 60 ____________ ____________ ____________
3. $9,250 $1,250 $215.67 48 ____________ ____________ ____________
4. $33,500 $3,500 $613.35 72 ____________ ____________ ____________
5. $17,999 $2,999 $345.04 60 ____________ ____________ ____________
6. $23,700 $3,700 $432.05 72 ____________ ____________ ____________
7. $22,899 $2,899 $366.21 72 ____________ ____________ ____________
8. $15,500 $5,500 $219.70 60 ____________ ____________ ____________
9. $21,769 $3,169 $390.29 60 ____________ ____________ ____________
10. $44,600 $4,600 $912.98 72 ____________ ____________ ____________
11. $25,800 $5,800 $481.66 60 ____________ ____________ ____________
12. $17,895 $2,895 $378.20 60 ____________ ____________ ____________
13. $31,700 $3,700 $621.75 72 ____________ ____________ ____________
14. $29,999 $2,999 $567.43 72 ____________ ____________ ____________
15. $15,630 $10,000 $163.34 48 ____________ ____________ ____________
16. $22,999 $3,999 $457.58 60 ____________ ____________ ____________
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 5, Lesson 4
54
Automobile Liability Insurance
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 Jerod’s payment.
Coverage: Insurance Company’s Driver’s
$100,000/$150,000 Payment Payment
Person 1: $ 030,000 Person 3: $ 10,000*
Amounts Due Victims: Person 2: 50,000 30,000*

$30,000; $50,000; Person 3: 100,000 $ 40,000*

$110,000 Total: $ 180,000
150,000

$0 30,000
*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 company’s payment
and the driver’s payment, if any.
Insurance
Company’s Driver’s
Coverage Amounts Due Victims Payment 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  
EXAMPLE
Policy limit*
Policy limit*
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 5, Lesson 5
55
Reading an Odometer
Shanoma’s 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. ___________________________________________________________
___________________________________________________________
2. ___________________________________________________________
___________________________________________________________
3. ___________________________________________________________
___________________________________________________________
4. ___________________________________________________________
___________________________________________________________
5. ___________________________________________________________
___________________________________________________________
Directions Round to the nearest thousand miles. Write the number in words.
6. ___________________________________________________________
___________________________________________________________
7. ___________________________________________________________
___________________________________________________________
8. ___________________________________________________________
___________________________________________________________
9. ___________________________________________________________
___________________________________________________________
10. ___________________________________________________________
___________________________________________________________
EXAMPLE
0246791
1368123
0130659
1773017
0901572
0571928
0887680
1342874
0026506
1294431
0281443
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Name Date Period
Workbook Activity
Chapter 5, Lesson 6
56
Average Miles Driven per Year
Dakota’s 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. Step 2 Round off to the 100 miles place.
4,859. 4,900 miles
3
1
4
,5
7
9
.2
12

2 5
2 4

17
15
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
1.
2 __________________________
2. 4 __________________________
3. 9 __________________________
4. 2 __________________________
5. 9 __________________________
6. 5 __________________________
7. 3 __________________________
8. 6 __________________________
9. 4 __________________________
10. 12 __________________________
11. 10 __________________________
12. 8 __________________________
13. 8 __________________________
14. 3 __________________________
15. 5 __________________________
16. 1 __________________________
EXAMPLE
0145792
0027580
0085737
0875623
0267303
1325738
0095315
0462047
0934562
0345731
1234580
1003526
0535117
0987624
0196270
0462871
0007260
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Name Date Period
Workbook Activity
Chapter 5, Lesson 7
57
Number of Miles Traveled
Samuel’s 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
1.
004561.9 004783.9 _____________________________
2. 194766.2 195351.6 _____________________________
3. 022945.5 023010.3 _____________________________
4. 010304.0 010728.2 _____________________________
5. 115678.5 116283.4 _____________________________
6. 109357.7 109499.6 _____________________________
7. 034811.9 035168.8 _____________________________
8. 044122.6 046587.3 _____________________________
9. 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 _____________________________
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 5, Lesson 8
58
Division of Whole Numbers Without Remainders
1,404 6 3,120 12 11,707 23
Write this: Write this: Write this:
Directions Divide.
1. 9
2,
43
9
5. 8
4,
98
4
9. 29
17
,8
35
2. 7
3,
16
4
6. 13
6,
79
9
10. 23
16
,3
30
3. 8
1,
64
8
7. 13
3,
96
5
11. 31
17
,4
84
4. 7
2,
73
7
8. 17
1,
80
2
12. 28
61
,8
80
234
6
1
,4
0
4
1,2

20
18

24
24

260
12
3
,1
2
0
2,4

72
72

509
23
1
1
,7
0
7
11,5

207
207

Quotient
Dividend
Divisor
EXAMPLE EXAMPLE EXAMPLE
Directions Write these in the standard form and divide.
13. 4,173 39 14. 8,316 18 15. 5,136 48
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Name Date Period
Workbook Activity
Chapter 5, Lesson 9
59
Multiplication of Whole Numbers
273 49 Write this: 273
00,049

2,457
10,920

13,377
Directions Multiply.
1. 239
008
2. 203
012
3. 485
031
4. 349
011
5. 803
072
6. 402
0084
7. 847
0094
8. 475
0047
9. 485
0051
10. 3,102
0018
11. 4,852
0027
12. 9,050
0091
13. 2,961
0102
14. 5,706
0313
15. 4,066
0116
EXAMPLE
Factors
Partial Products
Product
Directions Write these in the vertical form and multiply.
16. 3,041 325 17. 4,712 482 18. 3,012 384
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Workbook Activity
Chapter 5, Lesson 10
60
Computing the Fuel Needed
Twanda is planning a 320 mile trip. Her car’s 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 ~ 8 gallons needed for the trip
41
3
2
0
.0
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
1. 253 miles 22 mpg _________________________
2. 119 miles 25 mpg _________________________
3. 610 miles 18 mpg _________________________
4. 784 miles 32 mpg _________________________
5. 223 miles 18 mpg _________________________
6. 483 miles 25 mpg _________________________
7. 2,194 miles 35 mpg _________________________
8. 244 miles 33 mpg _________________________
9. 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 _________________________
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 5, Lesson 11
61
Computing Average Speed
Arthur drives 157 miles in 4 hours and 16 minutes. Find his average
rate of speed.
Step 1 Convert minutes to a .26 Hour ~ 0.3 Hour
decimal part of an hour 60
1
6
.0
Minutes
by dividing by 60. Round
to the nearest tenth of an hour
Step 2 Write the hours as a 4 hours and 16 minutes
decimal number. 4 hours 0.3 hours 4.3 hours
Step 3 Divide the miles by the hours 36.5 ~ 37 miles per hour
4.3
1
5
7
.0
Arthur’s 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
1.
92 miles 1 hours, 55 minutes ____________________________
2. 437 miles 10 hours, 15 minutes ____________________________
3. 906 miles 30 hours, 30 minutes ____________________________
4. 83 miles 1 hours, 47 minutes ____________________________
5. 143 miles 3 hours, 10 minutes ____________________________
6. 892 miles 25 hours, 15 minutes ____________________________
7. 3,445 miles 86 hours, 14 minutes ____________________________
8. 572 miles 14 hours, 35 minutes ____________________________
9. 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 ____________________________
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 5, Lesson 12
62
Computing Travel Time
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 6.08 Hours
average speed. Round 50
3
0
4
.0
0
Miles
to the nearest hundredth
of an hour.
Step 2 Convert the decimal part of .08 Hour
the quotient to minutes 60 Minutes per hour

by multiplying it by 60. 4.80 ~ 5 minutes
Clifford’s 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
1.
450 miles 30 mph _________________________
2. 450 miles 35 mph _________________________
3. 450 miles 40 mph _________________________
4. 450 miles 45 mph _________________________
5. 450 miles 55 mph _________________________
6. 100 miles 55 mph _________________________
7. 200 miles 55 mph _________________________
8. 300 miles 55 mph _________________________
9. 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 _________________________
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 5, Lesson 13
63
Buying Gasoline
Barry has $15.00. He wants to buy gas at $0.99
9
. How many gallons
can he buy?
Step 1 Write the price of the gas as a decimal. $0.99
9
$0.999
Step 2 Divide the amount of money 15.01 ~ 15.0 gallons
by the price of one gallon of gas. .999
1
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 Cost per
of Money Gallon of Gasoline Gallons of Gas
1.
$5 $1.029 ____________________________
2. $25 $1.159 ____________________________
3. $35 $1.199 ____________________________
4. $10 $1.059 ____________________________
5. $15 $1.079 ____________________________
6. $25 $1.189 ____________________________
7. $13 $.889 ____________________________
8. $22 $1.219 ____________________________
9. $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. $8 $1.219 ____________________________
17. $16 $1.139 ____________________________
18. $29 $1.199 ____________________________
19. $33 $1.209 ____________________________
20. $22 $1.099 ____________________________
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 5, Lesson 14
64
Repairing Cars
Erika Jones had the PCV valve and rear
wheel bearings replaced on her car. To
find her total bill, you must:
Step 1: Fill in the parts and work done.
Step 2: Find the price of parts and hours
worked from the flat rate chart.
Step 3: Multiply hours of labor times $60,
and compute the sales tax of 6%
on the parts only.
Step 4: Add to find the total bill
Flat Rate Chart
Time
(in hours) Repairs Parts
.4 Replace PCV valve $227.50
2.1 Complete tune-up 127.80
.5 Align headlights 0
1.7 Fix gas tank leak (sealant) 15.00
1.5 Tighten steering wheel 0
.7 Recharge air conditioner and
check for leaks (refrigerant) 30.00
Time
(in hours) Repairs Parts
5.2 Replace clutch 180.80
1.5 Replace front brake pads 32.95
2.5 Install roof rack 126.85
.7 Align the front end 0
.7 Replace muffler, tail pipe 160.00
3.1 Carburetor overhaul 0
1.1 Replace rear wheel bearings 45.62
NAME  DATE 
ADDRESS  ZIP CODE 
PARTS $ PRICE HOURS DESCRIPTION LABOR
PCV valve $7 50 .4 Replace PCV valve $24 00
Rear wheel Replace rear
bearings 45 62 1.1 wheel bearings 66 00
MECHANICAL LABOR $90 00
PARTS 53 12
SALES TAX 319
TOTAL $146 31
FRIENDLY MOTORS
“SALES, SERVICE, & PARTS”
AUTHORIZED DEALER
Erika Jones Oct. 23
3309 Mace St., Baltimore 21206
EXAMPLE
NAME  DATE 
ADDRESS  ZIP CODE ______
PARTS $ PRICE HOURS DESCRIPTION LABOR
MECHANICAL LABOR
PARTS
SALES TAX
TOTAL
FRIENDLY MOTORS
“SALES, SERVICE, & PARTS”
AUTHORIZED DEALER
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.
1. Frank Davis
Replace PCV valve
Replace clutch
Replace front brake pads
Complete tuneup
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Name Date Period
Workbook Activity
Chapter 6, Lesson 1
65
Average Calories per Day
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. Step 2 Divide by 7 days
2,300
3,500
2,135 2,538 Calories per day
1,960 7
1
7
,7
6
7
C
a
lo
ri
e
s
in
a
w
e
e
k
3,290
2,095
2,487

17,767
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.
Total Average
Calories Number Number
per of Calories of Calories
Days Day in a Week per Day
1. Sunday 3,200
Monday 1,975
Tuesday 2,010
Wednesday 2,234
Thursday 3,610
Friday 1,800
Saturday 2,550
2. Sunday 2,478
Monday 3,167
Tuesday 2,068
Wednesday 2,173
Total Average
Calories Number Number
per of Calories of Calories
Days Day in a Week per Day
Thursday 1,994
Friday 2,055
Saturday 3,605
3. Sunday 2,678
Monday 2,057
Tuesday 2,145
Wednesday 2,301
Thursday 3,200
Friday 2,804
Saturday 3,503
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 6, Lesson 2
66
Renaming to Lowest Terms
1
1
2
6
1
1
2
6
4
4
3
4
3
1
1
2
6
3
1
1
2
6
3
3
4
3
3
4
Divide the numerator and the
denominator by 4 because 4 Rename
1
1
2
6
as shown in
is a common factor of 12 and 16. the first example.
Directions Rename each fraction to the lowest terms.
1.
2. 10
3.
4.
5.
6.
7. 3
8. 8
9.
10.
11.
12.
13.
14. 2
15.
16.
17.
18. 6
19. 17
20. 11
21.
22.
23.
24.
25.
26.
27.
28. 9
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39. 7
40. 23
76
84
28
42
39
91
60
84
72
104
54
68
48
72
18
63
45
57
15
51
56
63
32
48
12
20
84
108
28
35
14
18
24
56
40
56
27
81
18
81
2
10
30
54
14
35
42
57
15
21
16
24
20
42
9
21
13
65
52
64
26
36
28
38
14
22
5
25
10
16
22
44
16
18
12
36
10
12
8
10
E
XAMPLE
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 6, Lesson 3
67
The Key to Proportion
You can use cross products to find an unknown term in a proportion.
2
5
2
■
0
Step 1 Find one cross product.
2
■
2 20 40
 
520
Step 2 To find the missing term, divide the cross product by the other term.
2
■
8 Missing term 
520 5
4
0
Cross product
Step 3 Write the complete proportion.
2
5
2
8
0
Step 4 Check by comparing cross products.
2
8
 
520
5 82 20
40 40
Directions Find the unknown term in each proportion.
1.
1
3
■
9
2.
2
7
1
■
2
3.
3
4
■
6
4.
■
1
2
6
5.
2
4
■
6
6.
■
4
1
3
6
2
7.
■
3
4
9
5
8.
1
■
8
9
7
9.
■
4
2
5
10.
2
5
0
2
■
0
11.
3
7
2
■
4
12.
2
5
2
■
5
13.
1
5
6
2
■
0
14.
3
5
3
■
0
15.
1
■
8
9
7
16.
4
9
■
8
17.
1
6
8
■
9
18.
1
■
2
1
2
8
4
19.
4
9
8
0
1
■
6
20.
1
1
0
8
8
■
3
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 6, Lesson 4
68
Division of Fractions
Divisor
5
6
1
7
0
Rule: Invert the divisor
1
7
0
to
1
7
0
and multiply.
Write this:
5
6
1
7
0
2
2
5
1
1
2
4
1
2
1
2
3
1
4
Write this:
5
2
1
4
3
Express mixed numbers as improper fractions.
5
2
1
4
3
1
1
0
3
Invert the divisor. Then multiply. Simplify if possible.
Directions Divide. Simplify your answers.
1. 
2. 
3. 
4. 
5. 
6. 
7. 
8. 
9. 
10. 
11. 1 
12. 
13. 2 
14. 1 
15. 2 
16. 3 
17. 1 1
18. 3 1
19. 2
20. 8 
21. 5 1
22. 7 
23. 5 
24. 9 
2
8
2
6
14
30
3
5
2
4
1
3
1
3
1
3
13
18
2
3
3
7
5
8
2
8
2
7
1
5
2
7
34
15
2
5
22
10
1
5
13
12
5
6
3
8
3
4
5
6
10
11
5
6
8
9
1
5
2
3
12
18
6
9
14
25
7
10
5
6
8
9
2
5
3
13
4
9
7
18
6
8
5
8
4
14
2
7
1
5
3
5
5
6
5
7
EXAMPLE
5
3
2
1
E
XAMPLE
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Name Date Period
Workbook Activity
Chapter 6, Lesson 5
69
Renaming Fractions as Percents
Rename
6
7
as a percent.
Step 1 Divide the numerator by the Step 2 Move the decimal point two
denominator and round to the places to the right and write a
nearest thousandths. percent symbol.
Directions Rename these fractions as percents.
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.
5
14
2
13
1
6
4
13
5
11
4
9
7
9
1
9
10
11
11
13
7
13
2
11
5
16
2
9
3
5
5
8
2
7
4
7
6
13
5
12
1
3
6
9
4
5
2
3
7
8
0.8571 0.857
7
6
.0
0
0
0
5 6

40
35

50
49

10
7

0.857 85.7%
Move two Write the
places. % symbol.
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 6, Lesson 6
70
Fat Grams and Calories
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
T
F
o
a
t
t
al
c
c
a
a
lo
lo
ri
r
e
ie
s
s
perc
1
e
0
n
0
tfat
1
3
6
0
2
6
perc
1
e
0
n
0
tfat
Step 3 Simplfy the ratios Step 4 Solve the proportion
1
3
6
0
2
6
perc
1
e
0
n
0
tfat
9 100 17 53%
1
9
7
perc
1
e
0
n
0
tfat
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 Grams of fat Percent of Fat
Food per serving per serving per Serving
1. Bagel, 1-3” diameter 163 1.4 g
2. Pita bread, 1 oz 77 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 35 0.2 g
10. Broccoli, 1 c raw 25 0.3 g
11. Cauliflower, 4 oz Raw 27 0.2 g
12. Celery,
1
2
c raw 17 0.1 g
13. Spinach, 1 c cooked 57 0.4 g
14. Peach, 1 37 0.1 g
15. Pear, 1 Bartlett 98 0.7 g
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 6, Lesson 7
71
Exercise and Calories
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 one’s body weight. For example, a 100-pound person burns
1
3
fewer calories, and a 200-pound person burns
1
3
more calories.
Find the average number of calories burned by a 100-pound person and a
200-pound person who ride bikes at 6 mph for one hour. Round your
answer to the nearest calorie.
100-pound person
Think:
1
3
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:
1
3
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.
Activity (1 hour) Calories burned by Calories burned by Calories burned by
150-lb person 100-lb person 200-lb person
1. Running in place 650 cals./hr
2. Running 10 mph 1,280 cals./hr
3. Swimming 25 yds/min. 275 cals./hr
4. Swimming 50 yds/min. 500 cals./hr
5. Tennis-singles 400 cals./hr
6. Walking 2 mph 240 cals./hr
7. Walking 3 mph 320 cals./hr
8. Walking 4 1/2 mph 440 cals./hr
E
XAMPLE
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.
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Name Date Period
Workbook Activity
Chapter 6, Lesson 8
72
Excercising to Lose Weight
Each extra pound in a person’s 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 Step 2
500 1,000 10 2
  
0002 3,500
35
7

1,000
Ricardo loses
2
7
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. 
Calories Used in One Hour
Activity Calories
Tennis 500
Bicycling 500
Golf 350
Swimming 500
Walking 300
Running 700
Heavy exercise 1,200
Calories
Hours
Total calories used
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Name Date Period
Workbook Activity
Chapter 6, Lesson 9
73
Multiplication of Fractions
2
5
1
1
0
3
2
6
0
5
1
4
3
OR
2
5
1
1
0
3
1
4
3
Because
1
5
0
2
1
2
1
2
2
2
3
5
2
8
3
2
3
0
6
2
3
Because
8
2
4
1
Directions Multiply. Simplify your answers.
1. 
2. 
3. 
4. 
5. 
6. 
7. 
8. 
9. 2 
10. 3 
11. 3
12. 1
13. 1 2
14. 1 2
15. 2 1
16. 3 
17. 4 
18. 2 
19. 5 
20. 10 
21. 3 1
22. 
23. 3 
24. 4 5
25. 7 3
26. 4 1
27. 4 
28. 30 
2
3
1
2
1
2
1
5
2
3
2
5
1
2
1
2
3
5
6
1
1
2
5
1
2
3
7
11
1
7
15
16
2
3
1
7
2
7
2
17
3
7
4
5
3
4
15
17
2
5
2
7
3
5
1
3
1
6
2
3
1
5
1
9
4
8
1
4
2
7
3
5
2
3
4
5
1
2
5
18
9
10
5
12
6
13
22
24
3
11
2
7
7
13
10
12
3
8
5
14
7
8
3
4
4
5
2
3
5
6
EXAMPLE
numerator times numerator
denominator times denominator
4
1
2
1
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 6, Lesson 10
74
Meal Preparation Time
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 1 Find the weight of the bird in lb
Convert oz to lb
14 oz
1
1
4
6
lb
7
8
lb
.875 lb
Add .875 lb to 13 lb
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 Elijah should allow about 7 hours
5 hours 122 minutes 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 Roasting Preparation and Total Time
of Roast Time Standing Time Required
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
EXAMPLE
Step 2 Find the roasting time required.
Multiply the weight by cooking
time per pound.
13.875 weight
25 minutes per pound

346.875 ≈ 347 minutes
Divide by 60 minutes per hour
5 hours
60
3
4
7
300

47 minutes left over
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Name Date Period
Workbook Activity
Chapter 7, Lesson 1
75
Solving for the Base
rate base percentage
24% of what number is 12.96?
0.24 N 12.96
N 12.96 0.24
N 54
2.7% of what number is 102?
(Round to the nearest whole number.)
0.027 N 102
N 102 0.027
N 3,778
Directions Solve for the base. Rounding is not needed.
1. 12% of what number is 18? 
2.
6% of what number is 7.2? 
3.
10% of what number is 17.5? 
4.
2.8% of what number is 2.8? 
5.
8.3% of what number is 0.747? 
6.
7% of what number is 1.4? 
7.
4% of what number is 3.68? 
8.
88% of what number is 95.04? 
9.
6.2% of what number is 0.434? 
10.
1.4% of what number is 1.022? 
Step 1 Write the rate as a decimal.
Step 2 Divide the percentage by the rate.
Step 3 Round the quotient if required.
3777.7
0.027
1
0
2
.0
0
0
0
EXAMPLE
Directions Solve for the base. Round the base to the nearest
whole number.
1. 7% of what number is 67? 
2.
39% of what number is 20? 
3.
9.6% of what number is 80? 
4.
48% of what number is 53.2? 
5.
2% of what number is 60? 
6.
86% of what number is 9? 
7.
0.69% of what number is 2? 
8.
7% of what number is 28? 
9.
5% of what number is 5? 
10.
4.2% of what number is 0.6? 
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 7, Lesson 1
76
Refunds for Repossessions
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 Rebecca’s refund?
Repossession
Total Payment Resale Price Original Price and Resale Costs
$832 $419 $1,200 $13, $10
Step 1 $832 Step 2 $1,200 Step 3 $1,251
419 13 1,223
 
$1,251 10 $1,228 Refund

$1,223
Rebecca’s refund was $28.00.
Directions Compute the refund for each of the following examples.
Total Resale Original Repossession and
Payment Price Price Resale Costs Refund
1.
$1,086 $619 $2,112 $11, $6 
2.
$1,507 $718 $1,772 $22, $9 
3.
$712 $256 $815 $18, $5 
4.
$814 $320 $945 $18, $9 
5.
$1,281 $418 $1,644 $13, $13 
6.
$763 $251 $965 $26, $7 
7.
$1,183 $542 $1,794 $17, $13 
8.
$466 $763 $943 $27, $5 
9.
$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 
EXAMPLE
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 7, Lesson 2
77
Total Payments for Purchases
Larry financed $3,400 worth of furniture
at 18% interest for 30 months. Find
Larry’s total payment.
Amount Rate Months
$3,400 18% 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 Payment for $100
0000034 $100s in $3,400

$ 141.78 Payment for $3,400
$ 141.78 Monthly payment
0000030
Months

$4,253.40 Total payment
Larry’s 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.
Total
Amount Rate Months Payment
1. $3,600 23% 36 
2.
$3,300 24% 30 
3.
$8,400 21% 42 
4.
$6,300 22% 24 
5.
$3,000 16% 24 
6.
$1,300 9% 42 
7.
$5,600 25% 36 
8.
$9,300 21% 18 
9.
$5,500 23% 18 
10.
$4,400 5% 42 
Total
Amount Rate Months Payment
11.
$1,500 8% 36 
12.
$1,300 18% 12 
13.
$1,700 18% 18 
14.
$4,900 25% 24 
15.
$1,900 9% 12 
16.
$7,400 19% 30 
17.
$8,300 11% 42 
18.
$1,200 8% 42 
19.
$5,600 7% 30 
20.
$1,300 15% 42 
EXAMPLE
Monthly Payments for Each $100 Financed
Rate 12 Mo. 18 Mo. 24 Mo. 30 Mo. 36 Mo. 42 Mo.
4% $8.52 $5.74 $4.35 $3.51 $2.96 $2.56
5% $8.57 $5.78 $4.39 $3.56 $3.00 $2.61
6% $8.61 $5.83 $4.44 $3.60 $3.05 $2.65
7% $8.66 $5.87 $4.48 $3.65 $3.09 $2.70
8% $8.70 $5.92 $4.53 $3.69 $3.14 $2.74
9% $8.75 $5.96 $4.57 $3.74 $3.18 $2.79
10% $8.80 $6.01 $4.62 $3.79 $3.23 $2.84
11% $8.84 $6.06 $4.67 $3.83 $3.28 $2.88
12% $8.89 $6.10 $4.71 $3.88 $3.33 $2.93
13% $8.94 $6.15 $4.76 $3.93 $3.37 $2.98
14% $8.98 $6.20 $4.81 $3.97 $3.42 $3.03
15% $9.03 $6.24 $4.85 $4.02 $3.47 $3.08
16% $9.08 $6.29 $4.90 $4.07 $3.52 $3.13
17% $9.13 $6.34 $4.95 $4.12 $3.57 $3.18
18% $9.17 $6.39 $5.00 $4.17 $3.62 $3.23
19% $9.22 $6.43 $5.05 $4.22 $3.67 $3.28
20% $9.27 $6.48 $5.09 $4.27 $3.72 $3.33
21% $9.32 $6.53 $5.14 $4.32 $3.77 $3.39
22% $9.36 $6.58 $5.19 $4.37 $3.82 $3.44
23% $9.41 $6.63 $5.24 $4.42 $3.88 $3.49
24% $9.46 $6.68 $5.29 $4.47 $3.93 $3.55
25% $9.51 $6.72 $5.34 $4.52 $3.98 $3.60
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 7, Lesson 3
78
The Key to Area
Rectangle Square
Rule To find the area of a rectangle, Rule To find the area of a square,
multiply the length and width. square the side.
6” 3”
3” 3”
A l w 6” 3” 18 square inches A s
2
3
2
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 Draw Figures Area of Figures
1.
l 5" w 4"
2. l 6" w 1"
3. l 3' w 2'
4. l 29" w 12"
5. l 53' w 41'
6. s 2"
7. s 7"
8. s 11"
9. s 9"
10. s 38'
11. l 3" w 5"
12. l 1" w 4"
13. l 7' w 3'
14. l 27" w 11"
15. l 36' w 40'
16. s 6"
EXAMPLE
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 7, Lesson 4
79
Review of Basic Operations with Whole Numbers
1. 25 341 
2.
304 23 
3.
1,002 384 
4.
26,261 25 
5.
3,020 105 
6.
80,345 2,934 
7.
7,022 68 
8.
8,054 112 
9.
55,067 399 944 
10.
49,322 33 
11.
49,338 9,442 
12.
38 12 19 
13.
9,122 8 
14.
30,091 28,949 
15.
7,456 234 283 
16.
801 20 10 
17.
288 942 9,511 
18.
40,013 23,471 
19.
674 85 495 
20.
98,003 83,741 
21.
40,591 3 
22.
5,900 400 
23.
10,384 200 
24.
40,513 39 
25.
8,371 578 
26.
56,571 65 
27.
4 23 405 933 
28.
37 14 35 
29.
9,832 293 39,441 
30.
5,761 384 481 
31.
304 35 27 83 
32.
144,144 36 
33.
80,028 29,388 
34.
60,021 847 
35.
102,283 23,384 
36.
302 21 9 
37.
11,028 983 
38.
42 6 81 923 
39.
90,000 100 
40.
499 76 22 274 
41.
30,022 29 
42.
5,058 501 
43.
58,007 12 
44.
40,596 293 948 
45.
40,591 2,935 47,501 
46.
846,102 14 
47.
875 4,059 2,374 
48.
60,900 5,002 
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Workbook Activity
Chapter 7, Lesson 5
80
Buying Paint
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 Step 2 Find out how many Step 3 Find the cost.
of 4 quarts. gallons to buy.
2 Gallons
$4.39 4
1
1
$13.99 Cost per gallon
11 8 2
  
$48.29 3 Quarts $27.98 Cost of 2 gallons
Two gallons and 3 quarts $4.39 Cost per quart
are equal to 11 quarts. 3

$13.17 Cost of 3 quarts
$27.98 Cost of 2 gallons
13.17 Cost of 3 quarts

$41.15 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 Amount to Buy Cost
Required Gallons Quarts Gallons Quarts Total
1. 9
2. 20
3. 26
4. 17
5. 7
6. 50
7. 33
8. 47
9. 38
10. 3
EXAMPLE
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Workbook Activity
Chapter 7, Lesson 6
81
Buying Wallpaper
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
144
4
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 Number of Double Rolls
Dimensions of Wallpaper Required
1. 17’ 9’ 8’
2. 11’ 13’ 8’
3. 16’ 12’ 8’
4. 6.5’ 9’ 8’
5. 12.4’ 14.6’ 10’
6. 7.7’ 10.6’ 10’
7. 26’ 15.2’ 8’
8. 35’ 10.5’ 10’
EXAMPLE
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Workbook Activity
Chapter 7, Lesson 7
82
Covering the Floor
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?
Directions Find the cost of covering these floors with 12” 12” tiles.
Cost Floor Dimensions Cost
per Tile (in feet) of Flooring
1. $0.79 10 7
2. $1.59 9 12
3. $2.89 10 17
4. $1.95 10 14
5. $1.69 13 19
6. $0.75 10 18
7. $2.99 14 17
8. $4.59 12 16
9. $3.19 8 16
10. $1.19 11 13
11. $5.29 7 15
12. $3.09 17 9
13. $0.89 15 8
14. $1.49 13 12
15. $2.49 10 11
16. $4.99 7 10
EXAMPLE
Step 1 Find the area that each
tile covers.
12 inches 1 foot
1’ 1’ 1 square
foot
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.
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.
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Workbook Activity
Chapter 7, Lesson 8
83
Computing Length of Molding
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’) 7’
38’
Mary Lou needs 38 feet of molding.
12’
Directions Calculate the amount of molding needed for each of these rooms.
Dimensions of Room Diagram of Room Molding Needed
1. 11’ 7’
2. 17’ 7’
3. 10’ 14’
4. 9’ 15’
5. 12’ 20’
6. 8’ 12’
7. 13’ 16’
8. 17’ 17’
9. 8’ 11’
10. 13’ 13’
EXAMPLE
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Workbook Activity
Chapter 7, Lesson 9
84
Wall-to-Wall Carpeting
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.
Directions Estimate the cost of carpeting these floors.
Floor Dimensions Cost per Square Yard Estimated Cost
1. 8’ 10’ $13.99
2. 24’ 17’ $9.97
3. 14’ 15’ $11.95
4. 11’3’’ 15’8’’ $12.98
5. 14’7’’ 17’5’’ $14.99
6. 18’ 15’ $6.90
7. 9’4’’ 16’10’’ $8.95
8. 8’6’’ 11’ $18.99
9. 11’5’’ 15’9’’ $10.99
10. 12’9’’ 14’10’’ $16.97
11. 15’6’’ 16’ $10.89
12. 10’ 18’ $14.95
13. 17’ 9’6’’ $9.90
EXAMPLE
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
9
8
8
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
Yoku’s estimated cost is $120.00.
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Workbook Activity
Chapter 7, Lesson 10
85
Find the Selling Price
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 Overhead Profit
$25.04 18% 10%
Directions Compute the selling price for each of these materials.
Round fractions of a cent to the next higher cent.
Cost Overhead Profit Selling Price
1.
$5.87 31% 19% 
2.
$4.80 10% 12% 
3.
$17.81 8% 12% 
4.
$11.83 36% 10% 
5.
$6.88 19% 19% 
6.
$17.69 27% 18% 
7.
$18.11 20% 26% 
8.
$16.65 12% 33% 
9.
$4.24 23% 14% 
10.
$220.00 16.6% 16% 
11.
$2.63 8% 35% 
12.
$3.55 34% 19% 
13.
$13.12 22% 22% 
14.
$15.90 27% 16% 
15.
$9.79 10% 14% 
EXAMPLE
Step 1 Add the percentages for
overhead and for profit.
18% Overhead
10% Profit

28% Markup percent
Step 2 Multiply the cost by the
percentage.
$025.04
000.28

$7.0112 7.02 Markup
Step 3 Add the cost and
the markup.
$25.04 Cost
07.02 Markup

$32.06 Selling price
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Workbook Activity
Chapter 7, Lesson 11
86
Insulation
Prices for Rolls of Insulation
Petera plans to put Brand A insulation in her attic. How much
will it cost? The dimensions are as shown.
1. Brand A 2. Brand C 3. Brand A 4. Brand B
EXAMPLE
BRAND Brand A Brand B Brand C Brand D
Size of Rolls 99 sq. ft. 110 sq. ft. 59 sq. ft. 48 sq. ft.
Cost of Rolls $19
95
$26
79
$15
95
$16
79
Step 1 Divide the
irregular
figure into
rectangles
Step 2 Find the
missing
dimensions.
Step 3 Find the areas.
Area A l w Area B l w
23’ 20’ 30’ 27’
460 sq ft 810 sq ft
It will cost Petera $253.25 to insulate her attic.
Step 4 Add these areas to find the total area.
460 sq ft
810 sq ft

1,270 sq ft
Step 5 Divide the total area by the number
of square feet per roll of insulation.
12.8 13 rolls
99
1
,2
7
0
Round up for any remainder.
Step 6 Multiply the cost per roll times the
number of rolls of insulation needed.
$19.95 Cost per roll
13 Number of rolls

$259.35 Total cost to insulate attic
30'
27'
23'
10'
31'
31'
30'
27'
23'
10'
20'
A
B
25'
55'
18'
21'
24'
63'
21'
26'
26'
Directions Find the cost of insulating each of these attics. Round your
answers to the nearest cent.
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Workbook Activity
Chapter 7, Lesson 12
87
Seeding Lawns
Amalie wants to reseed her lawn. She selects variety E, Generic Seed.
The total area of her property is 600 m
2
. Her house and driveway cover
150 m
2
. 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.
m
2
m
2
m
2
Area to be seeded.
Step 2 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.
Step 3 Multiply the cost per bag by the number of bags needed.
The cost of seed for Amalie’s lawn is $11.38.
$5.69 Cost per bag
2 Number of bags

$11.38 Total Cost
1.125 2
400
4
5
0
.0
0
600
150

450
EXAMPLE
Directions Find the cost of seed for each of these lots.
Area of House
Area of Lot and Driveway Variety of Seed
1. 1,000 m
2
100 m
2
A
2. 975 m
2
75 m
2
B
3. 827 m
2
129 m
2
C
4. 2,010 m
2
68 m
2
D
5. 1,575 m
2
103 m
2
E
6. 1,500 m
2
500 m
2
B
7. 870 m
2
70 m
2
D
8. 1,250 m
2
200 m
2
A
9. 2,100 m
2
90 m
2
E
10. 1,025 m
2
95 m
2
D
Lawn
Driveway
House
Coverage Rates
Coverage Cost
Variety per Bag per Bag
A. Shady Seed 275 m
2
$11.79
B. Show Seed 200 m
2
$7.59
C. Hardy Seed 450 m
2
$9.99
D. Kentucky 400 m
2
$10.49
Bluegrass Seed
E. Generic Seed 400 m
2
$5.69
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Workbook Activity
Chapter 7, Lesson 13
88
Fencing an Irregular Area
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
Step 2 Subtract the width of the house.
280 ft Perimeter of yard
54 ft Width of house

226 ft Amount of fencing needed
Janet and Ken need 226 feet of fencing.
Directions Find the length of fencing needed for each of these yards.
1.
2.
3.
4.
5.
EXAMPLE
90'
50'
54'
60'
40'
40'
90'
30'
60'
90'
70'
60'
100'
60'
40'
20'
80'
36'
42'
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Workbook Activity
Chapter 8, Lesson 1
89
Using Map Scales
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.
1
1
1
6
”4
1
1
6
”
1
1
1
6
”4
1
1
6
”
——— —————— ——— ——————
100 Baltimore to Chicago 100 Baltimore to Chicago
100 4
1
1
6
1
1
1
6
100
6
1
5
6
1
1
1
6
100
6
1
5
6
1
1
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
1
1
1
6
inch 100 miles.
Departure Destination Distance Estimated
City City On Map Distance
1. Portland, ME Portland, OR 16
5
8
”
2. Columbia, MI Columbia, SC 2
1
1
5
6
”
3. Springfield, MO Springfield, MA 7
1
1
1
6
”
4. Springfield, MA Springfield, IL 6”
5. Springfield, IL Springfield, MO 1
1
1
3
6
”
6. Springfield, MA Springfield, OH 4
1
8
”
7. Augusta, GA Augusta, ME 6
1
1
1
6
”
8. Marietta, OH Marietta, GA 2
1
1
3
6
”
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Name Date Period
Workbook Activity
Chapter 8, Lesson 2
90
Reading a Mileage Chart
Mileage Chart
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
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.
EXAMPLE
Albany, Albuquerque, Atlanta, Birmingham, Calgary,
NY NM GA AL AB
Albany, NY 2,050 1,000 1,070 2,450
Albuquerque, NM 2,050 1,400 1,250 1,500
Atlanta, GA 1,000 1,400 150 2,370
Birmingham, AL 1,070 1,250 150 2,300
Calgary, Alberta 2,450 1,500 2,370 2,300
Directions Find the total number of miles and kilometers traveled on each trip.
City of Origin Stop-Over City Destination Total Miles Total Kilometers
Albany, NY Atlanta, GA Albany, NY
Albuquerque, NM Birmingham, AL Atlanta, GA
Atlanta, GA Birmingham, AL Calgary, AB
Birmingham, AL Albany, NY Calgary, AB
1.
2.
3.
4.
Step 2: Add the distances to find the
total for the trip.
1,000
1,070
150

2,220 miles
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Name Date Period
Workbook Activity
Chapter 8, Lesson 3
91
Elapsed Time
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.

3. 10:04
P.M
.
2:18
A.M
.

5. 1:35
P
.M.
9:50 A.M.

7. 6:10 P.M.
8:06 A.M.

2. 2:10 P.M.
9:15 A.M.

4. 1:15
P.M
.
8:45
A.M
.

6. 8:55
P
.M.
1:51 P.M.

8. 4:17 P.M.
9:43 A.M.

E
XAMPLE
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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Name Date Period
Workbook Activity
Chapter 8, Lesson 4
92
Bus Travel Times
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
1. 02:00
A.M. 3 hours, 40 minutes
2. 05:05
A.M. 4 hours, 55 minutes
3. 06:40 A.M. 4 hours, 5 minutes
4. 11:45 A.M. 4 hours, 10 minutes
5. 01:20
P.M. 3 hours, 45 minutes
6. 04:00
P
.M. 3 hours, 59 minutes
7. 01:30 P.M. 05:30 P.M.
8. 03:35
P.M. 07:50 P.M.
9. 04:00 P.M. 08:20 P.M.
10. 09:30 P.M. 3 hours, 55 minutes
E
XAMPLE
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Name Date Period
Workbook Activity
Chapter 8, Lesson 5
93
Hotel Rates
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. Step 2 Add the tax.
$224 per night 100% for the room plus 12% for the tax 112%
3 nights

$672 room charge $672 112% $752.64
The total cost for Lizette’s 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 Percent Tax Total Cost
1. $205 2 10%
2. $102 15 25%
3. $305 3 11%
4. $156 1 14%
5. $187 6 12%
6. $192 7 13%
7. $155 3 12%
8. $193 1 15%
9. $372 3 21%
10. $1,547 4 17%
11. $208 2 15%
12. $166 4 12%
13. $109 5 18%
14. $325 3 15%
15. $199 2 12%
16. $904 4 20%
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Name Date Period
Workbook Activity
Chapter 8, Lesson 6
94
Division Practice
Often division results in a zero in the quotient. Be certain to
notice each division and place a zero correctly.
109
17
1
,8
5
3
1 7

15
0 Remember to place this 0 in the problem and in the answer.

153
153

Directions Divide
1. 6
61
2
4. 5
5,
10
0
7. 12
7,
22
4
10. 26
7,
82
6
13. 24
5,
04
0
2. 10
10
,9
00
5. 6
13
,2
54
8. 15
37
,5
00
11. 43
43
,1
29
14. 61
18
,4
83
3. 8
10
,4
32
6. 4
6,
42
0
9. 21
8,
48
4
12. 18
14
,0
40
15. 19
38
,1
33
E
XAMPLE
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Name Date Period
Workbook Activity
Chapter 8, Lesson 7
95
Exchange Currency
Table of Currency Exchange Rates
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.
EXAMPLE
Number of Units Number of Units
Currency That Equal Currency That Equal
Country Name One U.S. Dollar Country Name One U.S. Dollar
Australia dollar 1.87 dollars Japan yen 131.55 yen
Brazil real 2.32 reals Mexico peso 9.19 pesos
Britain pound 0.69 pounds South Africa rand 11.9 rands
Canada dollars 1.60 dollars Sweden krona 10.61 kronor
China yuan 8.28 yuan Switzerland franc 1.68 francs
Denmark krone 8.43 kroner Thailand baht 44.18 baht
Directions Find the amount of native currency that will be exchanged
for $75 U.S. Use the chart above.
Number of Units
That Equal
Country 75 U.S. Dollars
Australia
Brazil
Britain
Canada
China
Denmark 632 kroner
1.
2.
3.
4.
5.
6.
Number of Units
That Equal
Country 75 U.S. Dollars
Japan
Mexico
South Africa
Sweden
Switzerland
Thailand
7.
8.
9.
10.
11.
12.
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Name Date Period
Workbook Activity
Chapter 8, Lesson 8
96
Computing Rental Charges
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
$00602 Miles
$ 180.00 Day charge
00 6 Days 00 0 .32 Per mile 192.64 Mile charge
  
$180 Day charge 12.04 $ 372.64
Total
180.60

$192.64 Mile charge
Sweet Tooth Bakery’s rental charge was $372.64.
Directions Compute the rental charge for each item below. The
answer to Number 1 is $236.20.
Cost Cost Cost Rental
Days per Day per Mile Driven Charge
1.
4 $30 $0.28 415 
2.
2 $29 $0.27 156 
3.
4 $21 $0.30 150 
4.
6 $21 $0.19 719 
5.
4 $26 $0.14 361 
6.
2 $32 $0.12 109 
7.
6 $22 $0.15 339 
8.
3 $34 $0.19 349 
9.
5 $26 $0.25 252 
10.
21 $19 $0.26 146 
11.
1 $30 $0.18 119 
12.
2 $23 $0.28 150 
13.
6 $22 $0.20 778 
14.
2 $21 $0.19 171 
15.
2 $18 $0.14 130 
16.
1 $22 $0.24 78 
17.
1 $15 $0.26 99 
18.
6 $28 $0.25 714 
19.
1 $23 $0.21 133 
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Name Date Period
Workbook Activity
Chapter 8, Lesson 9
97
Parking Expenses
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
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. ____________________
EXAMPLE
Step 2 Find the cost for Friday
$2.00 First hour
1.50 Last 30 minutes

$3.50
Step 3 Find the cost for Saturday
and Sunday.
$12 Saturday
12 Sunday

$24
Step 4 Find the cost for Monday
$2.00 First hour
$1.50 6 remaining hours $9

Cost for Monday is $11
Step 5 Total the daily costs
$ 3.50 Friday
24.00 Saturday & Sunday
11.00 Monday

$38.50 Total
Airport Park Lot Rates
$2 for the first hour
$1.50 for each additional
hour (or part of an hour)
$12 maximum per day.
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Name Date Period
Workbook Activity
Chapter 8, Lesson 10
98
What Time Is It?
The map shows the
United States divided
into four time zones.
If it is 10:20 A.M
. in
Cleveland, what time
is it in Tulsa?
Solution: Tulsa is one time zone west
of Cleveland. Therefore,
the time in Tulsa is one
hour earlier: 9:20
A.M.
Directions Use the map to compute the time for each of the
following problems.
If the time in… Is… The time in… Is?
1.
Salt Lake City 3:51 P.M. San Diego 
2.
Miami 10:09
P.
M. 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 
9.
Cleveland 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 
15.
Eugene 11:36 P.M. St. Louis 
Pacific Mountain Central Eastern
Time Time Time Time
9:00 a.m. 10:00 a.m. 11:00 a.m. 12:00 Noon
Los Angeles
•
•
Boise
•
Salt
Lake
City
Cheyenne
•
•
Eugene
San Diego
•
Dallas•
•
Denver
•
St. Louis
•
Tulsa
•
Minneapolis
•
Des Moines
Sacramento
•
Pittsburgh
•
•
New York
City
•
Louisville
•
Atlanta
Miami
•
•
Cleveland
EXAMPLE
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 8, Lesson 11
99
Time Zones
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
.
Alaska- Pacific Mountain Central Eastern
Bering
Hawaiian
Yukon
Standard Standard Standard Standard
Time
Time
Time
Time Time Time Time
Sample 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.
1. 1:00 A.M.
2. 4:35 P.M.
3. 9:50
P.M.
4. 11:15 A.M.
5. 5:44 A.M.
6. 8:08
P.M.
7. 12:23 P.M.
8. 7:25 A.M.
9. 5:38
A.M.
10. 2:05 P.M.
E
XAMPLE
Directions Find the time in the various North American time zones for the given time.
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 9, Lesson 1
100
Zeros in the Quotient
0.01449 0.23 2.9484 4.2
Write this: Write this:
Directions Divide.
1. 7.3
29
.2
73
2. 5.2
.3
22
4
3. 1.5
.0
34
5
4. .07
.1
44
2
5. 6.3
6.
74
1
6. .19
.0
02
47
7. .013
.0
65
13
8. 1.1
.0
30
8
9. .31
34
.1
31
10. .022
.2
64
22
11. 16
.6
24
12. .65
3.
93
9
13. .41
13
.1
24
1
14. 35
.3
18
5
15. 5.7
6.
04
2
16. .44
5.
28
44
17. 7.7
7.
70
77
18. .83
1.
66
83
19. .063
5.
04
63
20. .006
.0
66
18
EXAMPLE
.063
.23
.0
1
4
4
9
138

69
69

.702
4.2
2
.9
4
8
4
294

84
84

Directions Write these in standard form and divide.
21. 0.57252 0.52 
22.
0.06307 0.007 
23.
0.00748 0.68 
24.
0.26664 1.32 
EXAMPLE
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 9, Lesson 2
101
Preparing a Budget
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 $1,276.50 7% $89.36
Food $1,276.50 18% $229.77 Entertainment $1,276.50 6% $76.59
Transportation $1,276.50 10% $127.65 Insurance $1,276.50 5% $63.83
Gifts $1,276.50 10% $127.65 Miscellaneous $1,276.50 4% $51.06
Savings $1,276.50 10% $127.65
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
Housing
Food
Transportation
Gifts
Savings
Clothing
Entertainment
Insurance
Misc
Weekly Income
5) $1,156.89 6) $874.54 7) $958.33 8) $1,857.13
Housing
Food
Transportation
Gifts
Savings
Clothing
Entertainment
Insurance
Misc
EXAMPLE
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 9, Lesson 3
102
Individual Budgets
This year, Jolene spent $2,550.00 on food. Aproximately what
percent of her $32,458.00 net income is this?
Step 1 Write the ratio.
e
i
x
n
p
c
e
o
n
m
se
e
s
$
$
3
2
2
,5
,4
5
5
0
8
.0
.0
0
0
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 year’s 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.
1. Patrick Marks
This Year Percent Next 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 ______ $18,000
2. Victor Tobias
This Year Percent Next Year
Housing $7,200  
Food 3,350  
Clothing 1,280  
Utilities 580  
Transportation 3,200  
Health 1,620  
Education 400  
Insurance 1,360  
Savings 2,200  
Charity 1,750  
Recreation 1,340  
Miscellaneous 1,720  
Net Income ______ $30,000
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 year’s income that will be spent in each category. Next year’s
income is provided, and the total amounts in the Next Year column
should equal that amount.
EXAMPLE
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 9, Lesson 3
103
Solving for the Rate
rate base percentage
What percent of 53 is 10.6?
N 53 10.6
N 10.6 53
N 0.2
N 20%
The number of decimal places in the quotient will be
determined by the degree of accuracy needed.
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
N 5.3%
Directions Solve for the rate. Do not round the answers.
1. What percent of 85 is 13.6? 
2.
What percent of 35 is 13.65? 
3.
What percent of 17 is 0.493? 
4.
What percent of 35 is 52.5? 
5.
What percent of 9.6 is 0.48? 
6.
What percent of 4.2 is 0.1596? 
7.
What percent of 20 is 0.03? 
8.
What percent of 0.73 is 0.0438? 
9.
What percent of 26 is 2.08? 
10.
What percent of 295 is 2.36? 
EXAMPLE
Step 1 Divide the percentage by the
base to the thousandths place.
Step 2 Write the quotient as a percent.
Round if needed.
Write a zero for one
additional place.
less than
five
EXAMPLE
1. What percent of 43 is 16.7? 
2.
What percent of 300 is 12? 
3.
What percent of 63 is 26.4? 
4.
What percent of 72 is 53? 
5.
What percent of 13 is 26.4? 
6.
What percent of 37 is 3? 
7.
What percent of 9 is 0.46? 
8.
What percent of 18 is 36? 
9.
What percent of 248 is 50? 
10.
What percent of 9.3 is 37? 
Directions Solve for the rate. Round to the nearest tenth of a percent.
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 9, Lesson 4
104
Using Circle Graphs
Nancy’s 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 Step 2 Find the percent
of his budget. in each category
$500 500 900 56%
300 300 900 33%
100 100 900 11%

$900
Step 3 Find the degrees for Step 4 Draw the circle chart.
each category
56% 360 202°
33% 360 119°
11% 360 40°
Check that the degrees total 360. Some error may occur
due to rounding.
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 Joe’s 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. Pilantana’s 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.
11% bonds
EXAMPLE
33% stocks
56% savings
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 9, Lesson 5
105
Review of Basic Operations with Decimals
1. 2.3 5 0.941 
2.
4.5 0.931 
3.
4.5 0.31 
4.
24.24 4.8 
5.
7 0.8012 
6.
0.0387 0.64 
7.
3,001 3.4 
8.
3.04 0.95 
9.
6.9 0.34 
10.
5.6 91 0.76 
11.
9.01 3.9 
12.
234 45 
13.
3.4 0.023 
14.
44.4 7.816 
15.
39.648 5.6 
16.
801.11 34.551 
17.
18.29 3.1 
18.
0.027 0.006 
19.
0.603 0.101 
20.
91 2.7 0.003 
21.
0.029 0.02001 
22.
74.358 27 
23.
0.0303 4.1 
24.
384.04 0.927 0.1 
25.
21.25 2.5 
26.
3 4.5 2.21 
27.
3.5 1.29 
28.
83 2.3 0.939 
29.
1.7064 0.24 
30.
85 3.53 2 0.75 
31.
0.1632 0.08 
32.
9 0.99 
33.
3.096 1.2 
34.
6.22 0.002 
35.
2 1.402 
36.
401.1 29.53 1.2 
37.
61 0.28 
38.
0.4387 0.41 
39.
7 2.8 1 34.99 
40.
49.01 3 2.31 8 
41.
58.3 2.4 
42.
4.1 3.009 
43.
0.00528 0.66 
44.
0.08917 0.00991 
45.
73.94 5.6 2 0.916 
46.
1 0.1028 
47.
804.04 290.192 
48.
5.20251 5.1 
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 10, Lesson 1
106
Simple Interest
Francie lends $1,000 to her cousin, Sean, for 9 months. Sean
agrees to pays Francie 3
5
8
% 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 Step 2 Write interest rate Step 3 Find the Interest
a fraction of a year as a decimal
Recall I = P x R x T
9 months
1
9
2
year
5
8
.625 I $1,000 .03625 9 12
3
5
8
% 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 Interest
1. $1,000 3
1
8
%6
2. $1,000 3
1
8
%9
3. $1,000 3
1
8
%12
4. $1,000 3
5
8
%6
5. $1,000 3
5
8
%9
6. $1,000 3
7
8
%6
7. $1,000 3
7
8
%12
8. $1,000 3
7
8
%18
9. $1,000 3
7
8
%24
10. $1,000 3
7
8
%30
11. $5,000 7% 48
12. $7,500 7% 48
13. $10,000 7% 48
14. $12,500 7% 48
15. $15,000 7% 48
16. $23,000 5% 60
17. $23,000 6% 60
EXAMPLE
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 10, Lesson 2
107
Compound Interest over Two Years
Principal Annual Rate Time in Years
$600 8% 2
Compute the balance and the total interest.
Step 1 Step 2 Step 3
$00600
Principal $600 Principal $00648
Balance after 1st year
00 .08 Annual rate 048 1st year’s interest 00 .08 Annual rate
  
$48.00 1st year’s interest $648
Balance after 1st year $51.84 2nd year’s interest
Step 4 Step 5
$648.00 Balance after 1st year $48.00 1st year’s interest After 2 years the balance is $699.84
051.84 2nd year’s interest 51.84 2nd year’s interest and the total interest is $99.84
 
$699.84 Balance after 2nd year $99.84 Total interest
Directions Compute the balance and the total interest for each of
these 2-year loans. Round to the nearest cent, if necessary.
Annual
Principal Rate Balance Interest
1. $800 8%  
2.
$500 10%  
3.
$500 6%  
4.
$100 9%  
5.
$900 6%  
6.
$200 13%  
7.
$300 7%  
8.
$400 8%  
9.
$9,000 13%  
10.
$200 11%  
11.
$700 10%  
12.
$900 14%  
13.
$800 7%  
14.
$200 11%  
15.
$900 10%  
Annual
Principal Rate Balance Interest
16.
$600 7%  
17.
$200 10%  
18.
$800 14%  
19.
$4,000 7%  
20.
$900 11%  
21.
$100 6%  
22.
$400 12%  
23.
$600 10%  
24.
$100 5%  
25.
$900 12%  
26.
$800 10%  
27.
$700 9%  
28.
$800 4%  
29.
$4,000 5%  
30.
$900 7%  
E
XAMPLE
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 10, Lesson 3
108
Doubling Your Money
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
9
1
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
9
7
2
Jean’s money will double in 11 years. Jeanette’s will double in 8.
Directions Find how many years it will take to double these investments.
Interest Years to
Investor Rate Compounding Double
1. Joseph 4% Simple
2. Guisseppi 4% Annual
3. Jose 8% Simple
4. Giovanni 8% Annual
5. Jeanne 3.2% Simple
6. John 3.2% Annual
7. Sean 5.4% Annual
8. Ivan 5.4% Simple
9. Johan 7.6% Annual
10. Juan 7.6% Simple
Interest Years to
Investor Rate Compounding Double
11. Kai 9% Simple
12. Mary 9.25% Simple
13. Susan 9.5% Simple
14. Marta 9.75% Simple
15. Shu Lin 10% Simple
16. Joan 9% Annual
17. Juanita 9.2% Annual
18. Jeanika 9.5% Annual
19. Larue 9.75% Annual
20. Marsha 10% Annual
EXAMPLE
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 10, Lesson 4
109
Writing Checks
Sample Check
Directions Write a check to each of these persons. Use the blank
checks on Workbook Activity 110.
Payee Amount Date
1.
Tiffany Williams $026.94 October 16, 2003
2. Clyde Hastings $137.11 October 23, 2003
3. Charles Goff $269.84 November 7, 2003
4. Cassandra Doty $337.49 May 3, 2004
5. Stephen Cheng $496.50 October 16, 2004
6. Sumi Maeda $397.00 February 28, 2004
7. Thomas Soto $403.64 December 23, 2005
8. Edwina Saunders $910.88 February 24, 2005
9. Carol Ostman $875.29 October 25, 2005
EXAMPLE
NO.
7-89

DATE  520
PAY TO THE
ORDER OF
 $ 

DOLLARS
RIVER BANK and Trust Company
FOR  
0520008960772752 2410 2
BETTY RAMOS
2931 FORESTVIEW DRIVE
KANSAS CITY, MISSOURI 64108
Drawer’s name Date check
and address is written Check number
Payee
Amount of check
in words
Purpose of check
Account number Drawer’s signature
520
ABA or bank
ID number
Amount of check
in numbers
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
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.
NO. 
7-89

DATE  520
PAY TO THE
ORDER OF
 $

DOLLARS
RIVER BANK and Trust Company
FOR  
0520008960772752 2410 2
Your Name 
Your Address 
Your City, State, and ZIP Code 
NO. 
7-89

DATE  520
PAY TO THE
ORDER OF
 $

DOLLARS
RIVER BANK and Trust Company
FOR  
0520008960772752 2410 2
Your Name 
Your Address 
Your City, State, and ZIP Code 
NO. 
7-89

DATE  520
PAY TO THE
ORDER OF
 $

DOLLARS
RIVER BANK and Trust Company
FOR  
0520008960772752 2410 2
Your Name 
Your Address 
Your City, State, and ZIP Code 
Click here for 
Main Menu
Click here to print this page. Specify the page or pages you wish to print in the dialog box. 
Then click OK or Print. If you do not specify the page or pages, all pages will print.
©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 10, Lesson 5
111
Check Register
Double-Line Method
The balance is recorded
after each entry in the
gray area of the balance
column.
EXAMPLE
CHECK = CK DEPOSIT = D ELECTRONIC FUNDS TRANSFER = EFT AUTOMATED TELLER MACHINE = ATM PHONE = PH
TYPE AMOUNT AMOUNT
BAL. FWD.
DATE
TRANS.
OF DESCRIPTION OF OF FEE ()
TAX
NO.
TRANS. TRANS. () DEPOSIT ()
ITEM
600 00
3/19 101 PH Auto Insurance 100.00 100 00
500 00
3/19 102 CK S.H. Kirk 55.00 55 80
Mary’s gift 444 20
3/22 103 ATM Cash 60.00 60 00
384 20
3/23 D Deposit 150.00 150 00
from paycheck 534 20
Directions This record form can be reproduced to keep a record of all
check and non-check transactions.
CHECK = CK DEPOSIT = D ELECTRONIC FUNDS TRANSFER = EFT AUTOMATED TELLER MACHINE = ATM PHONE = PH
TYPE AMOUNT AMOUNT
BAL. FWD.
DATE
TRANS.
OF DESCRIPTION OF OF FEE ()
TAX
NO.
TRANS. TRANS. () DEPOSIT ()
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 10, Lesson 6
112
Review of Basic Operations with Fractions
1. 
2.
2 3 
3.
13 
4.
5 
5.

6.
12 2 
7.
6 
8.

9.
65 
10.
2 
11.
8 5 
12.
5 2 
13.
6 1 
14.
8 3 
15.
46 32 
16.
23 1 
17.

18.
1 2 
19.
2 
20.
1 
21.

22.

23.
19 9 
24.
5 12 
25.
18 2 
26.
12 10 
27.
6 9 
28.
30 4 
29.
1 17 
30.
14 2 
31.
8 1 
32.
4 146 
33.
1 
34.
18 9 
35.
43 12 
36.
1 9 
37.
3 9 
38.
1 2 
39.
28 
40.
12 9 
41.
1 
42.

43.

44.
8 
45.

66
77
33
44
2
21
2
7
4
10
2
13
38
39
3
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1
10
2
11
12
13
5
9
7
81
3
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25
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24
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7
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3
7
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 10, Lesson 7
113
Changes in Stock Prices
Karl bought some stock at 107.75. Today he sold the stock at
118.50. What is Karl’s profit per share?
$118.50 Selling price
107.75 Buying price

$ 10.75 Karl’s profit
Karl’s 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 Old
Price Price Change
1.
149.50 10.875 
2. 202.625 28.875 
3. 38.625 101.25 
4. 107.625 188.25 
5. 203.625 104.875 
6. 52.50 197.25 
7. 166.00 108.625 
8. 145.00 35.75 
9. 157.50 82.625 
10. 202.00 195.875 
11. 117.625 17.875 
12. 160.75 169.375 
13. 26.50 175.375 
14. 23.50 68.25 
15. 91.50 40.75 
New Old
Price Price Change
16. 79.50 107.25 
17. 195.00 183.875 
18. 162.50 69.75 
19. 164.50 58.625 
20. 68.875 133.25 
21. 10.875 162.25 
22. 94.875 113.125 
23. 206.625 21.75 
24. 67.625 69.125 
25. 119.625 192.125 
26. 98.625 135.125 
27. 126.625 1,791.375 
28. 18.625 89.125 
29. 136.625 116.875 
30. 161.625 169.375 
EXAMPLE
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 10, Lesson 8
114
The Break-Even Point
The break-even point is the total amount paid per share,
including purchase price, commissions, and fees.
Total Number
Purchase of Buying Selling
Price Shares Commission Commission Fees
$8,100 150 $106.50 $97.35 $2.10
Step 1: Step 2:
$8,100.00 $8,305.95 150 $55.373
106.50
97.35
0002.10

$8,305.95
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 Number
Purchase of Buying Selling Break-Even
Price Shares Commission Commission Fees Point
1.
$8,841 100 $145.49 $145.92 $2.25 
2.
$9,811 700 $157.93 $158.24 $1.24 
3.
$6,540 500 $114.10 $114.55 $1.33 
4.
$10,203 700 $159.18 $158.54 $1.17 
5.
$7,758 100 $124.48 $124.23 $1.93 
6.
$6,463 700 $112.05 $110.93 $2.91 
7.
$8,926 500 $148.19 $149.38 $2.63 
8.
$4,483 400 $93.49 $93.30 $2.20 
9.
$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 
EXAMPLE
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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 10, Lesson 9
115
Earning Dividends
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 7.15
5
7
.1
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? _______________________
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 10, Lesson 10
116
Reading a Credit Card Statement
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? ______________
River Mail to
Bank PO Box 191
Myo, AG 00000
May 2004 Statement
Account Number Name Statement Date Payment Due Date
1234-5678-90 Jane Doe 5/22/04 6/20/04
Credit Line Credit Available New Balance Minimum Payment
$1,500.00 $1,067.84 $432.16 $25.00
Reference Sold Posted Description Amount
101010101 4/30/04 5/01/04 NOISY MUSIC STORE 45.17
110110110 5/16/04 PAYMENT THANK YOU 156.35
143415651 5/20/04 5/21/04 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.
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Name Date Period
Workbook Activity
Chapter 11, Lesson 1
117
The Key to Large Numbers
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
Directions Complete the chart.
Numbers in Digits Numbers in Words
Round answer to two 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 1,304,000
5. Distance Earth to Moon (average) 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 $7,931,000,000
10. Justice Department Budget $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
Recall
1,000 one thousand
1,000,000 one million
1,000,000,000 one billion
1,000,000,000,000 one trillion
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 11, Lesson 2
118
Review of Basic Operations with Percents
1. 0.56 __________%
2. 47.8 is 10% of __________
3.
3
8
__________%
4. What % of 16 is 2? __________
5. 147.5% __________ (decimal)
6.
5
8
__________%
7. 14% of 605 __________
8. 3492 is 36% of __________
9. What percent of 60 is 36? __________
10. 38.2% __________ (decimal)
11. 6 is 25% of __________
12. __________ of 500 is 50?
13. 3.15 __________%
14. 0.095 __________%
15.
7
8
__________%
16. 9.5% __________ (decimal)
17. 8% __________ (decimal)
18. 48 is __________% of 96
19. 2.3% __________ (decimal)
20. 13 is __________% of 52
21. 36% of 85 __________
22. 94 is 20% of __________
23. 0.07 __________%
24. 81 is 18% of __________
25. What percent of 80 is 10? __________
26. __________ is 20% of 85
27.
2
5
__________%
28. __________ is 12.5% of 75.4
29. 57% of 80 __________
30.
4
7
5
5
__________%
31. 15% of 90 __________
32. __________%
4
5
33. 0.005 __________%
34. __________% 0.316
35. 0.25 __________%
36. What percent of 50 is 30? __________
37. What percent of 36 is 18? __________
38. 17 is what percent of 68? __________
39.
1
4
__________%
40. 75 is 25% of __________
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Name Date Period
Workbook Activity
Chapter 11, Lesson 3
119
Paying Taxes
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 $37,892.00 total income
358.91 3,982.71 deductions

376.80 $33,909.29 taxable income

$3,982.71
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.
Exemptions and Total Exemptions Total Taxable
Item Deductions and Deductions Income Income
1.
Exemptions for dependents $8,700 $46,781
Moving expenses $3,541
Business loss $357
2. Exemptions for dependents $11,600 $76,902
Standard deduction $7,600
3. Exemptions for dependents $5,800 $125,630
Student loan $3,500
Medical expenses $15,790
4. Exemptions for dependents $17,400 $250,714
Other taxes $352
Health insurance $6,600
Medical expenses $561
5. Exemptions for dependents $14,500 $67,099
Standard deduction $6,650
6. Exemptions for dependents $11,600 $145,809
Self-employment tax $4,500
Health insurance $3,721
Business expenses $11,708
7. Exemptions for dependents $20,300 $90,742
Standard deduction $7,600
8. Exemptions for dependents $2,900 $35,826
Standard deduction $4,550
9. Exemptions for dependents $5,800 $44,500
Standard deduction $3,800
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Name Date Period
Workbook Activity
Chapter 11, Lesson 4
120
Reading Tax Tables
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.
Directions Use the tax chart above to determine the tax due in each
case. Write your answer on the line.
Adjusted
Filing Status Gross Income Tax Due
1. Married filing separately $25,262 
2.
Married filing separately $25,329 
3.
Married filing jointly $25,967 
4.
Married filing jointly $25,754 
5.
Head of a household $26,443 
6.
Single $26,086 
7.
Married filing separately $26,820 
8.
Single $25,295 
9.
Head of a household $26,192 
10.
Single $25,900 
11.
Married filing separately $26,871 
12.
Married filing jointly $26,563 
13.
Married filing separately $26,607 
Tax Table
Based on Taxable Income
If 1040A, line
19, OR
1040EZ, line 7
is—
And you are— And you are—
If 1040A, line
19, OR
1040EZ, line 7
is—
At
least
But
less
than
Single
(and
1040EZ
filers
Married
filing
jointly
Married
filing
sepa-
rately
Head
of a
house-
hold
Your tax is—
At
least
But
less
than
Single
(and
1040EZ
filers
Married
filing
jointly
Married
filing
sepa-
rately
Head
of a
house-
hold
Your tax is—
25,000
26,000
25,000 25,050 3,972 3,754 4,472 3,754
25,050 25,100 3,986 3,761 4,486 3,761
25,100 25,150 4,000 3,769 4,500 3,769
25,150 25,200 4,014 3,776 4,514 3,776
25,200 25,250 4,028 3,784 4,528 3,784
25,250 25,300 4,042 3,791 4,542 3,791
25,300 25,350 4,056 3,799 4,556 3,799
25,350 25,400 4,070 3,806 4,570 3,806
25,400 25,450 4,084 3,814 4,584 3,814
25,450 25,500 4,098 3,821 4,598 3,821
25,500 25,550 4,112 3,829 4,612 3,829
25,550 25,600 4,126 3,836 4,626 3,836
25,600 25,650 4,140 3,844 4,640 3,844
25,650 25,700 4,154 3,851 4,654 3,851
25,700 25,750 4,168 3,859 4,668 3,859
25,750 25,800 4,182 3,866 4,682 3,866
25,800 25,850 4,196 3,874 4,696 3,874
25,850 25,900 4,210 3,881 4,710 3,881
25,900 25,950 4,224 3,889 4,724 3,889
25,950 26,000 4,238 3,896 4,738 3,896
26,000 26,050 4,252 3,904 4,752 3,904
26,050 26,100 4,266 3,911 4,766 3,911
26,100 26,150 4,280 3,919 4,780 3,919
26,150 26,200 4,294 3,926 4,794 3,926
26,200 26,250 4,308 3,934 4,808 3,934
26,250 26,300 4,322 3,941 4,822 3,941
26,300 26,350 4,336 3,949 4,836 3,949
26,350 26,400 4,350 3,956 4,850 3,956
26,400 26,450 4,364 3,964 4,864 3,964
26,450 26,500 4,378 3,971 4,878 3,971
26,500 26,550 4,392 3,979 4,892 3,979
26,550 26,600 4,406 3,986 4,906 3,986
26,600 26,650 4,420 3,994 4,920 3,994
26,650 26,700 4,434 4,001 4,934 4,001
26,700 26,750 4,448 4,009 4,948 4,009
26,750 26,800 4,462 4,016 4,962 4,016
26,800 26,850 4,476 4,024 4,976 4,024
26,850 26,900 4,490 4,031 4,990 4,031
26,900 26,950 4,504 4,039 5,004 4,039
26,950 27,000 4,518 4,046 5,018 4,046
E
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Name Date Period
Workbook Activity
Chapter 11, Lesson 5
121
Computing Taxes Owed
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 Adjusted gross income $10,890.00 $31,832.50
Tax for $117,950
117,950 Nearest amount on Schedule X 000 00.36 03,920.40 36% of $10,890.00
  
$ 010,890
Amount over $117,950 $03,920.40 $35,752.90
Round $35,752.90 to the nearest dollar.
Nina owes $35,753.00 in taxes.
Directions Use Schedule X to compute the income tax on these adjusted
gross incomes. Round each answer to the nearest dollar.
EXAMPLE
Schedule X — Use this if your filing status is Single
If the amount on Form
1040, line
37 is:
Over —
$0
23,350
56,550
117,950
256,500
But not
over —
$23,350
56,550
117,950
256,500
- - - - - - -
Enter on
Form 1040,
line 38
- - - - - - - - 15%
$3,502.50 + 28%
12,798.50 + 31%
31,832.50 + 36%
81,710.50 + 39.6%
of the
amount
over
$0
23,350
56,550
117,950
256,500
Adjusted
Gross Income Taxes Owed
1.
$116,197 ________________
2. $159,195 ________________
3. $117,375 ________________
4. $140,630 ________________
5. $118,629 ________________
6. $130,952 ________________
Adjusted
Gross Income Taxes Owed
7.
$226,314 ________________
8. $257,419 ________________
9. $172,218 ________________
10. $101,046 ________________
11. $264,779 ________________
12. $128,362 ________________
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Name Date Period
Workbook Activity
Chapter 11, Lesson 6
122
Refund or Balance Due
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.
Step 1 Find the tax bracket for total income.
$41,375 is between $41,350 and $41,400.
Step 2 Find the column for filing status.
Locate Head of Household column.
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.
Amount Amount Balance Amount
Taxable Filing of Tax of Tax Due or Due or
Income Status Owed Withheld Refund? Refunded
1. $41,528 Single $10,476.93
2. $41,183 Married, filing jointly $7,376.09
3. $41,472 Married, filing separately $7,988.46
4. $41,233 Single $7,563.21
5. $41,391 Head of a household $8,223.71
6. $41,657 Single $9,255.11
7. $41,814 Married, filing jointly $9,340.70
8. $41,063 Head of a household $6,803.12
9. $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
EXAMPLE
And you are—
If line 39
(taxable
income) is—
At
least
But
less
than
Single Married
filing
jointly
Married
filing
sepa-
rately
Head
of a
house-
hold
Your tax is—
41,000
41,000 41,050 7,901 6,154 8,457 6,751
41,050 41,100 7,914 6,161 8,471 6,764
41,100 41,150 7,928 6,169 8,484 6,778
41,150 41,200 7,942 6,176 8,498 6,792
41,200 41,250 7,956 6,184 8,512 6,806
41,250 41,300 7,969 6,191 8,526 6,819
41,300 41,350 7,983 6,199 8,539 6,833
41,350 41,400 7,997 6,206 8,553 6,847
41,400 41,450 8,011 6,214 8,567 6,861
41,450 41,500 8,024 6,221 8,581 6,874
41,500 41,550 8,038 6,229 8,594 6,888
41,550 41,600 8,052 6,236 8,608 6,902
41,600 41,650 8,066 6,244 8,622 6,916
41,650 41,700 8,079 6,251 8,636 6,929
41,700 41,750 8,093 6,259 8,649 6,943
41,750 41,800 8,107 6,266 8,663 6,957
41,800 41,850 8,121 6,274 8,677 6,971
41,850 41,900 8,134 6,281 8,691 6,984
41,900 41,950 8,148 6,289 8,704 6,998
41,950 42,000 8,162 6,296 8,718 7,012
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Name Date Period
Workbook Activity
Chapter 11, Lesson 7
123
Paying Property Taxes
The tax assessment on Carol’s home is $32,320. The local
tax rate is $3.66 per $100 of the assessment. What is Carol’s
annual property tax?
Asssessment Rate per $100
$32,320 $3.66
Step 1: Step 2:
$32,320 $100 $323.20 $323.20 $3.66 $1,182.9120
Solution: Carol’s annual property tax is $1,182.92.
(Round to the next cent.)
Directions Compute the property tax. Round to the next cent
if necessary.
Rate per
Assessment $100 Tax
1. $42,700 $6.07 
2.
$82,100 $5.01 
3.
$22,780 $3.51 
4.
$42,000 $5.63 
5.
$40,000 $3.61 
6.
$25,400 $3.42 
7.
$43,700 $7.19 
8.
$88,200 $4.60 
9.
$60,500 $6.23 
10.
$235,415 $7.07 
11.
$83,730 $4.18 
12.
$33,800 $5.65 
13.
$94,300 $5.97 
14.
$90,220 $3.88 
15.
$71,200 $2.10 
16.
$42,540 $4.24 
17.
$81,200 $1.77 
18.
$60,400 $2.69 
19.
$59,400 $6.89 
Rate per
Assessment $100 Tax
20.
$998,815 $5.96 
21.
$6,130 $5.66 
22.
$25,000 $2.28 
23.
$59,600 $5.19 
24.
$81,800 $3.08 
25.
$64,900 $3.92 
26.
$40,130 $4.26 
27.
$88,000 $7.37 
28.
$100,900 $7.14 
29.
$13,400 $5.16 
30.
$777,715 $5.76 
31.
$22,540 $4.66 
32.
$36,600 $4.98 
33.
$75,800 $6.59 
34.
$50,600 $6.10 
35.
$55,800 $6.22 
36.
$11,970 $2.56 
37.
$82,100 $3.46 
38.
$4,500 $4.25 
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 11, Lesson 8
124
Review of Basic Skill Operations
1. 243 2,003 
2.
4.5 .002 
3.
1
9
3
7

4.
3 0.453 
5.
13,000 279 
6.
52 0.52 
7.
2.09 5.9 
8.
1
3
0
5
6

9.
203 1,002 32

10.
3.001 2.03 
11.
2.6 12.92 5.6

12.
0.208 0.091 
13.
0.03 0.112 1.1

14.
3
1
3
1
2
1
5

15.
7 1
5
6

16.
0.002 0.0019 
17.
2.3 0.0342 
18.
5,202 9 
19.
4,100 200 
20.
2
7
4
1
3
4
6

21.
19 7
1
1
0
7

22.
1
5
8
2
1
6

23.
0.08 1.3 
24.
14
1
3
13
2
4
7

25.
1
7
9
1
7
8

26.
83 211 934

27.
1
7
1
2
1
2

28.
4
2
3
3
2
3

29.
20,031 19,823 
30.
787,800 78 
31.
19
1
4
1
2 
32.
50,010 2,992 
33.
2
3
1
1
2
6

34.
7 5.6 0.09

35.
1.875 0.15 
36.
0.12 0.005 
37.
1,890 24 
38.
33
1
2
1
2
9
2

39.
21,210 20 
40.
518.4 4.8 
41.
20 19
2
3

42.
60,491 60 
43.
934.33 2.6 
44.
99.6 4.06 
45.
6.061 0.11 
46.
5
1
7
0
3
5
9
0

47.
921 0.44 
48.
1.001 0.002

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Name Date Period
Workbook Activity
Chapter 12, Lesson 1
125
Making Change
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. Here’s a chart of how Sherron makes
change for Julie.
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.
EXAMPLE
1. Kim Ruark
2. Glenn Austin
3. Rosemary Sullivan
4. Bryan Umeki
5. Jose Cardero
6. Mebawa Jabar
7. George Keith
8. Tabika Thomas
Amount Amount Coins Bills
Tendered of Sale 1¢ 5¢ 10¢ 25¢ $1.00 $5.00 $10.00 $20.00
$30.00 $23.81 4 1 1 1 1
Amount Amount Coins Bills
Tendered of Sale 1¢ 5¢ 10¢ 25¢ $1.00 $5.00 $10.00 $20.00
$5.00 $4.75
$40.00 $34.57
$16.04 $15.39
$20.42 $17.42
$15.00 $10.05
$10.01 $5.31
$80.00 $72.88
$35.00 $30.75
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Name Date Period
Workbook Activity
Chapter 12, Lesson 2
126
The Key to Square Root
Find the 200
using the divide and average method.
Step 1 Choose a number, Step 2 Average the Step 3 Divide 200 by average
say 10, and divide. 2 numbers
10 15 13.3
20 20 2
3
0
15
2
0
0
.0

10
2
0
0
30
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
2. 1225
3. 7
4. 22
5. 26
6. 35
7. 66
8. 18
9. 5
10. 11
11. 12
12. 13
13. 14
14. 15
15. 17
16. 19
17. 20
18. 21
19. 99
20. 101
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 12, Lesson 3
127
Using Electrical Formulas
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
12
2
4
0
The resistance is 20 ohms.
Directions Complete the chart below. Use the formulas to calculate
the missing information.
WIRE
(in watts) (in amps) (in ohms) (in volts)
1. 15,000 W 5 amps
2. 15 amps 30 V
3. 14 ohms 70 V
4. 20 amps 300 ohms
5. 81,000 W 1,800 V
EXAMPLE
WIRE
WATTS (Power) AMPS (Intensity) OHMS (Resistance) VOLTS (Electromotive Force)
W EI I
R
E
R
E
I
E IR
W I
2
RI
W
R
R
W
I
2
E
W
I
W
E
R
2
I
W
E
R
W
E
2
E = WR
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Name Date Period
Workbook Activity
Chapter 12, Lesson 4
128
Using Proportions to Find Equivalent Fractions
Arnole wanted to find a fraction equivalent to
2
3
that had a
denominator of 27.
Step 1 Write a proportion
Step 2 Solve the proportion
2 27 54
54 3 18
? 18
Directions Find equivalent fractions using proportions.
1.
1
3
5
?
4
2.
3
4
2
?
4
3.
3
8
1
?
5
4.
7
9
2
?
1
5.
1
1
5
6
6
?
4
6.
8
?
6
9
0
6
7.
2
1
3
1
?
0
8.
4
9
5
9
1
?
1
9.
5
?
2
3
4
10.
2
5
4
5
2
2
?
2
11.
9
?
6
1
2
12.
6
?
1
7
2
2
13.
7
?
1
8
2
5
0
14.
1
?
5
4
4
5
8
15.
1
?
2
6
7
0
0
EXAMPLE
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Name Date Period
Workbook Activity
Chapter 12, Lesson 5
129
Precise Measurement
John Sullivan is a
carpenter. He reads
the measurement
at point A as
1
5
6
.
He reads point B as
3
1
8
6
and renames
it to 3
1
2
.
EXAMPLE
To the nearest sixteenth inch: 3
1
8
6
3
1
2
0
1
234
A
B
Directions Read points A, B, C, and D on the rulers below.
1. To the nearest inch:
2. To the nearest half inch:
3. To the nearest quarter inch:
4. To the nearest eighth inch:
5. To the nearest sixteenth inch:
A
A
B
B
C
C
D
D
0
1
234
0
1
234
A
A
B
B
C
C
D
D
0
1
234
A
A
B
B
C
C
D
D
0
1
234
A
A
B
B
C
C
D
D
0
1
234
A
A
B
B
C
C
D
D
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Name Date Period
Workbook Activity
Chapter 12, Lesson 6
130
Renaming Mixed Numbers
Rename 3
2
8
as an improper fraction.
3
2
8
3
2
8
2
8
6
3 8 2 26 26 is the new numerator.
Keep 8 as the denominator.
Directions Rename these mixed numbers as improper fractions.
EXAMPLE
1. 2
3
4

2. 1
1
2

3. 1
1
3

4. 2
5
8

5. 3
2
3

6. 5
1
6

7. 3
1
7

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©American Guidance Service, Inc. Permission is granted to reproduce for classroom use only. Consumer Mathematics
Name Date Period
Workbook Activity
Chapter 12, Lesson 7
131
Machine Operators
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 Step 2 Solve the proportion
Recall:
R
rp
P
m
M
T
t
4
7
8
2
0
0
8
T
0
RPM 480 Speed of Driver gear
rpm 720 Speed of driven gear
2
3
8
T
0
t 80 Teeth on driven gear T 80 3 2 240 2 120
4
7
8
2
0
0
8
T
0
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 RPM of teeth in rpm of Gear
Driver Driver driven driven Proportion
1. 450 20
2. 40 30 8
3. 60 28 15
4. 75 12 100
5. 20 12 50
6. 25 100 250
7. 56 100 70
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Form 1: Computing Wages Name Date Period Chapter

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