Last updated: 7/2/2008
Niagara Falls City School District
630 66th Street, Niagara Falls, NY 14304

## Mathematics - Grades 9-12 - Seminar

 (1) MST3.A1.A.1 Students translate a quantitative verbal phrase into an algebraic expression. (1) MST3.A1.A.22 Students solve all types of linear equations in one variable. (1) MST3.A1.A.4 Students translate verbal sentences into mathematical equations or inequalities. (1) MST3.A1.A.5 Students write algebraic equations or inequalities that represent a situation. (1) MST3.A1.A.6 Students analyze and solve verbal problems whose solution requires solving a linear equation in one variable or linear inequality in one variable. (1) MST3.A1.M.1 Students calculate rates using appropriate units (e.g., rate of a space ship versus the rate of a snail). (1) MST3.A1.N.5 Students solve algebraic problems arising from situations that involve fractions, decimals, percents (decrease/increase and discount), and proportionality/direct variation. (1) MST3.A1.N.7 Students determine the number of possible events, using counting techniques or the Fundamental Principle of Counting. (1) MST3.A1.N.8 Students determine the number of possible arrangements (permutations) of a list of items. (1) MST3.A1.S.10 Students evaluate published reports and graphs that are based on data by considering: experimental design, appropriateness of the data analysis, and the soundness of the conclusions. (1) MST3.A1.S.16 Students recognize how linear transformations of one-variable data affect the data's mean, median, mode, and range. (1) MST3.A1.S.18 Students know the definition of conditional probability and use it to solve for probabilities in finite sample spaces. (1) MST3.A1.S.19 Students determine the number of elements in a sample space and the number of favorable events. (1) MST3.A1.S.20 Students calculate the probability of an event and its complement. (1) MST3.A1.S.21 Students determine empirical probabilities based on specific sample data. (1) MST3.A1.S.22 Students determine, based on calculated probability of a set of events, if: some or all are equally likely to occur one is more likely to occur than another whether or not an event is certain to happen or not to happen (1) MST3.A1.S.23 Students calculate the probability of: a series of independent events a series of dependent events two mutually exclusive events two events that are not mutually exclusive (1) MST3.A1.S.4 Students compare and contrast the appropriateness of different measures of central tendency for a given data set.

by:  Schultheis & Kaczmarski
http://practicalmoneyskills.com/english/index.php - cover many topics, games, calculators, banking

http://whatsmyscore.org/ - cover many topics:  credit score, credit cards, games, financial estimation, budgeting

http://www.moneyinstructor.com - for student worksheets

http://www.vtchsevent.com/home/php - virtual business math games for students

http://hsfpp.nefe.org/home/ - credit unions website for teacher for financial planning

wise-ny.org  all chapters - need to allow access - talk to Joe Bellonte

http://credit.com/ - covers buying a car, credit scores and reports, credit cards, purchasing home, retirement

http://federalreserveeducation.org/ - covers many topics for teachers

http://www.abcs4teens.com/abcs4teens/ - resource book
Calculate gross pay for hourly-rate and salaried employees.

1.1

CD

Calculate simple averages and averages from grouped data.

1.2

Find the unknown item in a set of data.

1.2

Compute overtime pay rates and regular and overtime pay.

1.3

CD

Calculate straight commission earnings and commission earnings based on quota.

1.4

Find the rate of commission.

1.4

Calculate gross pay for piece-rate employees and gross pay for per diem employees.

1.5

Find federal withholding tax deductions.

Calculate social security and Medicare tax deduction.

Calculate total deductions and net pay.

2.1

CD

Find total benefits and net job benefits.

Compare the net job benefits of jobs.

2.2

CD

Calculate adjusted gross income and taxable income.

Calculate the income tax due and the income tax refund for single dependents.

2.3

http://www.irs.gov/

tax forms
Calculate state and city income taxes using a flat tax rate and a graduate rate table.

2.4

Calculate the percent of income spent on expenses.

2.5

Prepare a budget.

2.5

Prepare a deposit slip.

Record entries in a check register.

3.1

CD

Record electronic banking transactions.

Find account balance when banking electronically.

3.2

Calculate account balance needed to make online payments.

3.3

CD

Reconcile a bank statement.

Reconcile and correct a check register.

3.4

Reconcile a checking account with outstanding transactions other errors.

3.5

Calculate simple interest and compound interest on savings deposits.

Calculate interest using a compound interest table.

3.6

Calculate interest using simple interest tables.  ONLY ABOVE.

4.3

CD

Calculate the installment price and finance charge on an installment plan purchase.

Calculate the number and amount of monthly payments.

Calculate the interest, principal payment, and new balance on an installment loan.

4.4

Calculate the APR on a loan.

4.6

Identify important information found on credit card statements.

Verify transactions on credit card statements.

Calculate the cost of using credit cards.

4.7

Credit.com
Calculate finance charges using previous balance method.

Calculate finance charges using adjusted balance method.

Calculate finance charges using average daily balance method.

Calculate the finance charge on cash advances.

4.8

Calculate sales tax on purchases.

Calculate sales taxes when some items are not taxed.

5.1

CD

Calculate and compare unit prices.

Calculate unit prices from group prices.

5.2

Compare prices at sales, at different stores, and in different amounts.

Compare the cost of rental options.

Compare the cost of renting vs. buying.

5.4

Calculate the down payment, closing costs, and mortgage loan amount.

Calculate the total interest cost of a mortgage loan.

Calculate the savings from refinancing mortgages.

6.1

CD

Calculate the costs of home ownership.

Calculate the cost of renting a home or apartment.

Compare the costs of renting vs. owning.

6.2

Calculate property insurance premiums for homeowner.

Calculate property insurance premiums for renters.

Calculate how much can be collected on insurance claims.

6.4

Calculate the MSRP for a new car, including optional equipment.

Calculate the delivered price and the balance due for new and used cars.

6.5

6.7

Calculate the total amount paid and the finance charge of installment loan car purchases.

Calculate the cost of leasing cars.

Compare the costs of leasing and buying cars.

Calculate the cost of operating cars.

6.8

Calculate the cost of stock purchases.

Calculate annual stock dividends.

Calculate the yield on stock investments.

7.6

Calculate the total investment in mutual fund.

Calculate the amount and rate of commission.

Calculate profit of loss from mutual fund investments.

7.7

Calculate the required minimum payout from a pension fund.

Calculate the penalty for early withdrawal from an individual retirement account.

7.9

Find the mean, median, mode, and range for asset of data.

Construct a frequency distribution table and calculate the mean, median, mode, and range.

8.1

CD

Compute the probability of simple events.

Compute experimental probability.

Compute probability based on experience.

8.2

Interpret and make vertical bar graphs.

Interpret and make horizontal bar graphs.

Interpret and make line graphs.

8.3

CD

Make circle graphs.

Interpret and make rectangle graphs.

8.4

Interpret consumer price index data.

Calculate rates of inflation.

Calculate the purchasing power of the dollar.

Analyze unemployment data.

8.5