An updated and revised edition developed for the Workplace Mathematics for Everyday Life (MEL3E) course. Important mathematical concepts and skills are developed in relevant contexts in ways that make sense to students.

Earning and Purchasing Glossary
 
Chapter 1 Jobs and Earnings
1.1 Investigating Jobs and Their Related Pay
     Skills Practice 1: Calculating Percents
1.2 Ways of Being Paid for Work
1.3 Calculating Gross Income
1.4 Understanding Different Pay Schedules
Chapter 1 Review
Task: Which Job Do I Accept?
 
Chapter 2 Net Income and Purchasing Power
2.1 Net Income and Deductions
     Skills Practice 2: Fractions and Percents
2.2 Approximating Net Income
Skills Practice 3: reading EI Tables
2.3 Net Income and Personal Expenses
2.4 Purchasing Power
Chapter 2 Review
Task: Monthly Spending Plan
 
Chapter 3 Making Sound Purchasing Decisions
3.1 After-Tax Cost
     Skills Practice 4: Finding 10%, 5%, or 1% of Any Number
3.2 Incentives to Buy
     Skills Practice 5: Parts of a Whole Using Fractions and Percent
3.3 Understanding Incentives
3.4 Getting and Giving the Correct Change
3.5 Unit Prices
3.6 The Cost of "Buy Now, Pay Later"
3.7 Making Purchases From Other Countries
Chapter 3 Review
Task: Weighing the Options

Saving, Investing, and Borrowing Glossary
 
Chapter 4 Working With Financial Institutions
4.1 Investigating Accounts From Financial institutions
     Skills Practice 6: Writing Cheques
4.2 Keeping Your Own Records
4.3 Dealing With Credit Cards
4.4 Reading and Interpreting Statements
Chapter 4 Review
Task: Does the Balance Balance?
 
Chapter 5 Saving and Investing
5.1 Calculating Simple Interest
5.2 From Simple Interest to Compound Interest
     Tech Tip: Using the TVM Solver to Solve Compound Interest Problems
5.3 The Effects of Compounding and Interest Rate on Future Value
5.4 Long-Term savings Strategies
Chapter 5 Review
Task: Financial Independence for All
 
Chapter 6 The Nature of Borrowing Money
6.1 Investigating Personal Loans
6.2 Paying Back Borrowed Money
     Tech Tip: Using the TVM Solver to Calculate Payments
6.3 Options for Repaying Borrowed Money
6.4 Establishing and Maintaining a Credit Rating
Chapter 6 Review
Task: A Good Loan Is No Loan

Transportation and Travel Glossary
 
Chapter 7 Owning and Operating a Vehicle
7.1 An Ontario Driver's Licence
7.2 Buying a Used Car
7.3 Buying a New Car
7.4 Leasing a New Car
7.5 Using a Vehicle for Business
7.6 Automobile Insurance
7.7 The Responsibility of Safe Drivers
7.8 The Cost of Operating a Vehicle
Chapter 7 Review
Task: How Much Does It Cost?
 
Chapter 8 Travelling by Automobile
8.1 Reading Maps for Driving
8.2 Planning Local Driving Routes
8.3 Planning a Longer Drive
8.4 The Cost of Travelling by Automobile
Chapter 8 Review
Task: Vacationing in Myrtle Beach
 
Chapter 9 Comparing Modes of Transportation
9.1 Investigating the Impact of Daily Travel
9.2 Interpreting Routes and Schedules
9.3 Renting a Vehicle
9.4 Travel Options
Chapter 9 Review
Task: Getting There a Different Way
 
Glossary

• NEW updated HST references, images, and questions
• Easy-to-manage, consumable workbook that follows the format of McGraw-Hill Ryerson’s Math Essentials 9 and 10
• Consistent four or six-page lesson design to meet the needs of all students
• Balance of open-ended and directed activities allow for multiple entry points