ANTMACK215 × WEALTHWISEGUYS

Grades 7–12 · Also for adult learners · Digital draft edition

WealthWiseGuys Practical Mathematics

Practical mathematics for secondary students in grades 7–12, with applications equally relevant to adult learners. Whole numbers, financial decisions, business mathematics, and algebra—presented with rigorous worked examples and explained answers.

Real Math. Real Life. Real Opportunities.

Download the full book (PDF)All 28 chapters with answer keys · 12 MB · free
WealthWiseGuys Practical Mathematics textbook cover

Math Quick Reference

Chapter formulas, key definitions, and 28 worked examples in a printable draft handbook.

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Money Dictionary

Every money word in the book, searchable and color-coded by category, with a vocabulary quiz and answer key.

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Read Before You Sign

An annotated fictional financing contract and a cash-versus-financing comparison, so students learn to read agreements before signing.

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Student Textbook contents

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28 of 28 chapters drafted. Review edition—not a completed publisher edition.

Part I — Foundations of Practical Mathematics

  1. 1

    Whole Numbers: How to Dissect and Solve Word Problems

    • 1.1 Reading, Writing, and Rounding Whole Numbers
    • 1.2 Adding and Subtracting Whole Numbers
    • 1.3 Multiplying, Dividing, and the Word-Problem Blueprint
  2. 2

    Fractions

    • 2.1 Types of Fractions and Conversions
    • 2.2 Equivalent Fractions, Lowest Terms, and Adding and Subtracting
    • 2.3 Multiplying and Dividing Fractions
  3. 3

    Decimals

    • 3.1 Reading, Rounding, and Converting Decimals
    • 3.2 Adding, Subtracting, Multiplying, and Dividing Decimals
    • 3.3 Powers of Ten and Unit Pricing
    • 3.4 Decimals and Percents in Online Shopping
  4. 4

    Banking

    • 4.1 The Checking Account: Deposits, Checks, and the Register
    • 4.2 Bank Statements and Reconciliation
    • 4.3 Online and Mobile Banking
  5. 5

    Solving for the Unknown

    • 5.1 Equations and the Balance Principle
    • 5.2 Multistep Equations
    • 5.3 Word Problems with the Unknown
  6. 6

    Percentages and Their Applications

    • 6.1 Percent, Rate, and Base
    • 6.2 Percent Change and Percentage Points
    • 6.3 Discounts, Sales Tax, and Tips

Part II — Earning, Purchasing, and Personal Finance

  1. 7

    Trade Discounts, Cash Discounts, and Purchasing

    • 7.1 Trade Discounts and Discount Series
    • 7.2 Cash Discounts and Invoice Terms
    • 7.3 Returns, Freight, and Total Purchasing Cost
  2. 8

    Markups, Markdowns, Pricing, and Break-Even Analysis

    • 8.1 Markup on Cost and Margin on Selling Price
    • 8.2 Markdowns and Pricing Decisions
    • 8.3 Contribution and Break-Even Analysis
  3. 9

    Wages, Salaries, Commissions, and Payroll

    • 9.1 Hourly Earnings and Overtime
    • 9.2 Salaries and Commissions
    • 9.3 Payroll Deductions and Net Pay
  4. 10

    Simple Interest and Borrowing

    • 10.1 Principal, Rate, and Time
    • 10.2 Solving for Missing Loan Terms
    • 10.3 Fees, Proceeds, and Fair Loan Comparisons
  5. 11

    Promissory Notes and Financial Obligations

    • 11.1 Reading Notes and Finding Maturity Dates
    • 11.2 Bank Discount and Cash Proceeds
    • 11.3 Partial Payments and Obligation Records
  6. 12

    Compound Interest, Exponents, and Present Value

    • 12.1 Exponents and Compound Growth
    • 12.2 Compounding Frequency and Effective Rates
    • 12.3 Present Value and Financial Equivalence
  7. 13

    Annuities, Sinking Funds, and Long-Term Savings

    • 13.1 Ordinary Annuities and Deposit Timing
    • 13.2 Annuities Due and Present Value
    • 13.3 Sinking Funds and Savings Goals
  8. 14

    Installment Purchases, Credit Cards, and Consumer Debt

    • 14.1 The Real Cost of an Installment Purchase
    • 14.2 Credit Card Balances and Finance Charges
    • 14.3 Building a Consumer Debt Repayment Plan
  9. 15

    Homeownership, Mortgages, and Amortization

    • 15.1 Down Payments and Cash Needed at Closing
    • 15.2 The Full Monthly Housing Budget
    • 15.3 Mortgage Payments and Amortization

Part III — Business Finance, Investing, and Data

  1. 16

    Understanding Financial Statements

    • 16.1 Income Statements: From Revenue to Profit
    • 16.2 Balance Sheets and Financial Position
    • 16.3 Cash Flow and the Connections Between Statements
  2. 17

    Depreciation and Business Assets

    • 17.1 Asset Cost and Straight-Line Depreciation
    • 17.2 Units-of-Production Depreciation
    • 17.3 Declining Balance and Asset Disposal
  3. 18

    Inventory, Overhead, and Operating Costs

    • 18.1 Inventory Counts, Cost, and Turnover
    • 18.2 Overhead and Cost Allocation
    • 18.3 Operating Profit and Break-Even Planning
  4. 19

    Sales Taxes, Property Taxes, and Business Taxation

    • 19.1 Sales Tax and Tax-Inclusive Prices
    • 19.2 Property Assessment and Millage
    • 19.3 Business Income, Marginal Rates, and Estimated Payments
  5. 20

    Insurance, Risk, and Financial Protection

    • 20.1 Premiums, Deductibles, and Coverage Limits
    • 20.2 Health Cost Sharing and Out-of-Pocket Maximums
    • 20.3 Expected Loss and Financial Protection
  6. 21

    Stocks, Bonds, Mutual Funds, and Investment Mathematics

    • 21.1 Stocks: Dividends, Yield, and Total Return
    • 21.2 Bonds: Coupon Payments, Par, and Current Yield
    • 21.3 Mutual Funds and ETFs: NAV, Expenses, and Diversification
    • 21.4 Return on Investment (ROI) and Annualized Return
    • 21.5 Stock Market: Own It, Trade It, Understand It
  7. 22

    Business Statistics, Probability, and Data Interpretation

    • 22.1 Mean, Median, Mode, and Range
    • 22.2 Probability: Measuring Chance
    • 22.3 Odds, Expected Value, and Risk Literacy
    • 22.4 Investing Returns and Misleading Charts
    • 22.5 Interpreting Business Data: Weighted Averages and Percent of Total

Part IV — Algebra, Modeling, and Entrepreneurship

  1. 23

    Linear Equations, Graphs, and Business Relationships

    • 23.1 Writing and Solving Linear Equations
    • 23.2 Slope, Intercepts, and Graphing Lines
    • 23.3 Revenue, Cost, Profit, and Break-Even
  2. 24

    Inequalities, Systems of Equations, and Decision-Making

    • 24.1 Inequalities and Budget Limits
    • 24.2 Solving Systems and Comparing Plans
    • 24.3 Feasible Regions and Resource Decisions
  3. 25

    Functions, Quadratic Equations, and Maximum Profit

    • 25.1 Functions, Notation, Domain, and Range
    • 25.2 Quadratic Equations and Break-Even Roots
    • 25.3 The Vertex and Maximum Modeled Profit
  4. 26

    Exponential Growth, Logarithms, and Financial Modeling

    • 26.1 Exponential Growth and Decay
    • 26.2 Logarithms and Time to a Target
    • 26.3 Compounding, Loans, and Fair Comparisons
  5. 27

    Ratios, Geometry, Measurement, and Business Applications

    • 27.1 Ratios, Rates, and Scale Drawings
    • 27.2 Area, Perimeter, and Material Costs
    • 27.3 Volume, Conversions, and Capacity
  6. 28

    Mathematical Modeling, Entrepreneurship, and Economics

    • 28.1 Building Revenue, Cost, and Profit Models
    • 28.2 Demand, Pricing, and Economic Trade-Offs
    • 28.3 Cash Flow, Scenarios, and Model Validation

Educational content only. All people, businesses, banks, prices, and account details in examples are hypothetical.