Core

Mathematics of Personal Finance

Mathematics of Personal Finance focuses on real-world financial literacy, personal finance, and business subjects. Students applywhat they learned in Algebra I and Geometry to topics including personal income, taxes, checking and savings accounts, credit,loans and payments, car leasing and purchasing, home mortgages, stocks, insurance, and retirement planning.

Students then extend their investigations using more advanced mathematics, such as systems of equations (when studying cost andprofit issues) and exponential functions (when calculating interest problems). To assist students for whom language presents a barrierto learning or who are not reading at grade level, Mathematics of Personal Finance includes audio resources in both Spanish andEnglish.

This course is built to state standards as they apply to Mathematics of Personal Finance and adheres to the National Council ofTeachers of Mathematics' (NCTM) Problem Solving, Communication, Reasoning, and Mathematical Connections Process standards.

Length: Two semesters

UNIT 1: WHAT IS MONEY?Lesson 1: Money DefinedLesson 2: How Money Is CreatedLesson 3: Inflation and RecessionLesson 4: The National and Global DebtLesson 5: Other Forms of CurrencyLesson 6: What Is Money? Wrap-UpLesson 7: Diagnostic

UNIT 2: COST OF LIVING AND BUDGETLesson 1: Types of WagesLesson 2: Compensation PackagesLesson 3: Piece RateLesson 4: Linear Equations and WagesLesson 5: Percentages and CommissionLesson 6: Take-Home Pay: Required DeductionsLesson 7: Take-Home Pay: Optional DeductionsLesson 8: Income and CareerLesson 9: Cost of Living and BudgetLesson 10: Income and Budgeting Wrap-UpLesson 11: Diagnostic

UNIT 3: INCOME TAXLesson 1: Taxable IncomeLesson 2: Itemized DeductionsLesson 3: Tax BracketsLesson 4: Submitting Your Tax FormLesson 5: Income Tax Wrap-UpLesson 6: Diagnostic

UNIT 4: CHECKING AND SAVINGSLesson 1: Simple Interest

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Lesson 2: Exponential GrowthLesson 3: Compound InterestLesson 4: The Rule of 72Lesson 5: Checking AccountsLesson 6: Balancing Your CheckbookLesson 7: Comparing Checking AccountsLesson 8: Savings AccountsLesson 9: Comparing Savings AccountsLesson 10: Checking and Savings Wrap-UpLesson 11: Diagnostic

UNIT 5: PURCHASING AND CREDITLesson 1: Sales TaxLesson 2: Coupons, Rebates, and SalesLesson 3: MarketingLesson 4: Credit CardsLesson 5: Calculating Credit Card InterestLesson 6: Tracking Payments and PurchasesLesson 7: Comparing Credit CardsLesson 8: Credit ScoresLesson 9: BankruptcyLesson 10: Purchasing and Credit Wrap-UpLesson 11: Diagnostic

UNIT 6: LOANS AND PAYMENTSLesson 1: Single and Payday LoansLesson 2: Installment Loans and LayawayLesson 3: Monthly PaymentLesson 4: Loan Pre-ApprovalsLesson 5: Deferred PaymentsLesson 6: Paying OffLesson 7: PrepaymentLesson 8: Loans and Payments Wrap-UpLesson 9: Diagnostic

UNIT 7: MATHEMATICS OF PERSONAL FINANCE SEMESTER 1 REVIEW AND EXAMLesson 1: Mathematics of Personal Finance Semester 1

UNIT 8: CAR OWNERSHIPLesson 1: Car LeasingLesson 2: Car Renting and SharingLesson 3: Car DealersLesson 4: PaymentsLesson 5: Dealer IncentivesLesson 6: Owning and OperatingLesson 7: Equity and DepreciationLesson 8: Planning a TripLesson 9: Total Trip ExpensesLesson 10: Car Ownership Wrap-UpLesson 11: Diagnostic

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UNIT 9: HOME OWNERSHIPLesson 1: Selecting a House: Fairly Priced?Lesson 2: Mortgages: Fixed RateLesson 3: Mortgages: Variable RateLesson 4: Multiple Mortgages and RefinancingLesson 5: DiscountsLesson 6: Balloon MortgagesLesson 7: Additional Costs: FeesLesson 8: Additional Costs: EscrowLesson 9: Total Housing PaymentsLesson 10: Paying Off a MortgageLesson 11: Home Ownership Wrap-UpLesson 12: Diagnostic

UNIT 10: INSURANCE AND RETIREMENTLesson 1: Car Insurance PremiumsLesson 2: Suggested PremiumLesson 3: Property and Renters InsuranceLesson 4: Life InsuranceLesson 5: Calculating Life Insurance PremiumsLesson 6: Retirement AccountsLesson 7: Insurance and Retirement Wrap-UpLesson 8: Diagnostic

UNIT 11: INVESTMENTSLesson 1: CDsLesson 2: AnnuitiesLesson 3: BondsLesson 4: StocksLesson 5: The Stock MarketLesson 6: PredictionLesson 7: Periodic InvestmentLesson 8: Retirement and Periodic InvestmentLesson 9: Individual Net WorthLesson 10: Investments Wrap-UpLesson 11: Diagnostic

UNIT 12: BUSINESSLesson 1: Cost and Revenue FunctionsLesson 2: ProfitLesson 3: Solving Systems of EquationsLesson 4: MatricesLesson 5: Factors Affecting BusinessLesson 6: Maximizing Revenue or Minimizing CostLesson 7: Running a BusinessLesson 8: Storage, Inventory, and Other Business ConcernsLesson 9: Business Wrap-UpLesson 10: Diagnostic

UNIT 13: MATHEMATICS OF PERSONAL FINANCE SEMESTER 2 REVIEW AND EXAM

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Lesson 1: Mathematics of Personal Finance Semester 2

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