Personal Finance

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Wiley Pathways

Personal Finance
Update Edition
Vickie L. Bajtelsmit
with
Linda G. Rastelli

with select chapters from

Wiley Pathways

Business Math
essential math concepts for any business environment
Steve Slavin
with
Tere Stouffer

Copyright © 2012 John Wiley & Sons, Inc.

Copyright © 2012 by John Wiley & Sons, Inc.
All rights reserved.
No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning or otherwise, except as permitted under Sections 107 or 108 of the 1976 United States Copyright Act, without either the prior written permission of the Publisher, or authorization through payment of the appropriate percopy fee to the Copyright Clearance Center, Inc., 222 Rosewood Drive, Danvers, MA 01923, website www.copyright.com. Requests to the Publisher for permission should be addressed to the Permissions Department, John Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 07030-5774, (201) 748-6011, fax (201) 748-6008, website

http://www.wiley.com/go/permissions.
To order books or for customer service, please call 1(800)-CALLWILEY (225-5945). ISBN 978-1-118-39970-5
10 9 8 7 6 5 4 3 2 1

Copyright © 2012 John Wiley & Sons, Inc.

baj01275_fm_i-xxviii

2/23/07

11:21 PM

Page iii

Personal Finance
Vickie Bajtelsmit
Colorado State University
with Linda Rastelli

Copyright © 2012 John Wiley & Sons, Inc.

baj01275_fm_i-xxviii

2/23/07

11:21 PM

Page iv

Credits
PUBLISHER
Anne Smith

PRODUCTION ASSISTANT
Courtney Leshko

PROJECT EDITOR
Beth Tripmacher

PROJECT MANAGER
Shana Meyer

MARKETING MANAGER
Jennifer Slomack

CREATIVE DIRECTOR
Harry Nolan

SENIOR EDITORIAL ASSISTANT
Tiara Kelly

COVER DESIGNER
Hope Miller

PRODUCTION MANAGER
Kelly Tavares

COVER PHOTO
© George Doyle/Getty Images

Wiley 200th Anniversary Logo designed by: Richard J. Pacifico This book was set in Times New Roman by Techbooks and printed and bound by R.R. Donnelley. The cover was printed by R.R. Donnelley.
This book is printed on acid free paper.
Copyright © 2008 John Wiley & Sons, Inc. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning or otherwise, except as permitted under Sections 107 or 108 of the 1976 United States Copyright Act, without either the prior written permission of the Publisher, or authorization through payment of the appropriate per-copy fee to the Copyright Clearance Center, Inc. 222 Rosewood Drive, Danvers, MA 01923, website www.copyright.com. Requests to the Publisher for permission should be addressed to the Permissions Department, John Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 07030-5774, (201) 748-6011, fax (201) 748-6008, website http://www.wiley.com/go/permissions.

To order books or for customer service please, call 1-800-CALL WILEY (225-5945).

ISBN-13 978-0-470-11123-9
Printed in the United States of America
10 9 8 7 6 5 4 3 2 1

Copyright © 2012 John Wiley & Sons, Inc.

2137T_fm_i-xxii 10/5/06 10:26 PM Page iii

Business Math
Steve Slavin
with
Tere Stouffer

Copyright © 2012 John Wiley & Sons, Inc.

2137T_fm_i-xxii 10/17/06 7:43 PM Page iv

Credits
Publisher
Anne Smith

Production Assistant
Courtney Leshko

Project Editor
Betn Tripmacher

Creative Director
Harry Nolan

Marketing Manager
Jennifer Slomack

Cover Designer
Hope Miller

Senior Editorial Assistant
Tiara Kelly
Production Manager
Kelly Tavares

Cover Photo
GlowImages/Getty Images, Inc.

This book was set in Times New Roman, printed and bound by R.R. Donnelley. The cover was printed by Phoenix Color.
This book is printed on acid free paper.
Copyright © 2007 John Wiley & Sons, Inc. All rights reserved. No part of this publication may be reproduced, stored in a...
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