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For tax/tip, multiply your base number by 1 + the percent. So for 8% sales tax on an item that costs $100, the total is $100 * (1 + .08) = $100 * 1.08 = $108. For discounts, multiply your base number by 1 - the percent. So if that same item is on sale for 40% off, $100 * (1 - .4) = $100 * .6 = $60 (and with the same tax, $60 * 1.08 = $64.80).

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