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Region III

DIVISION of PAMPANGA

BETIS HIGH SCHOOL

Guagua, Pampanga

Senior High School

Oct. 03, 2016 Week:______________ Quarter:_________________

Date:______________ 2nd

General Math 11 1st

Subject:____________ Grade:______________Semester:_______________

Learning Competency:

M11GM-IIa-1. Illustrate simple and compound interest.

M11GM-IIa-2. Distinguishes between simple and compound interest.

M11GM-IIa-b-1. Solve problems involving simple and compound

interest.

Objective:

Define simple and compound interest.

Identify the terms used in solving simple and compound interest.

Solve problems involving simple and compound interest.

Materials:

A. Reference: Next Century Mathematics, General Mathematics

B. http://www.mathsisfun.com/money/interest.html

C. https://www.youtube.com/watch?v=nWRhC71SgGk

Procedures:

A. Preparatory Activities:

Daily Routine

a. Prayer

b. Checking of attendance

c. Review

1. Motivation: Watch a video of simple interest vs compound

interest.

https://www.youtube.com/watch?v=nWRhC71SgGk

Answer the guide questions.

2. Presentation:

How Much does it Cost to Borrow Money?

Different places charge different amounts at different times!

As a percent (per year) of the amount borrowed

It is called Interest

Alex wants to borrow $1,000. The local bank says "10%

Interest". So to borrow the $1,000 for 1 year will cost:

$1,000 10% = $100

In this case the "Interest" is $100, and the "Interest Rate" is

10% (but people often say "10% Interest" without saying

"Rate")

after one year, so this is what happens:

Alex Borrows $1,000, but has to pay back $1,100

This is the idea of Interest ... paying for the use of the

money.

you to pay back the loan in small monthly amounts, and they

also charge extra fees too!

Words

There are special words used when borrowing money, as

shown here:

between (we see inter- in words like interior and interval),

because the interest happens between the start and end of

the loan.

More Than One Year ...

What if Alex wanted to borrow the money for 2 Years?

Simple Interest

If the bank charges "Simple Interest" then Alex just pays

another 10% for the extra year.

Alex pays Interest of ($1,000 10%) x 2 Years = $200

That is how simple interest works ... pay the same amount of

interest every year.

Example: Alex borrows $1,000 for 5 Years, at 10% simple

interest:

Interest = $1,000 10% x 5 Years = $500

Plus the Principal of $1,000 means Alex needs to pay

$1,500 after 5 Years

There is a formula for

simple interest Example: Jan borrowed

I = Prt $3,000 for 4 Years at

where 5% interest rate, how

I = interest much interest is that?

P = amount borrowed I = Prt

(called "Principal") I = $3,000 5% 4

r = interest rate years

t = time I = 3000 0.05 4

Like this: I = $6

Compound Interest

But the bank says "If you paid me everything back after one

year, and then I loaned it to you again ... I would be loaning

you $1,100 for the second year!"

And Alex pays $110 interest in the second year, not just

$100.

This may seem unfair ... but imagine YOU lend the money to

Alex. After a year you think "Alex owes me $1,100 now, and

is still using my money, I should get more interest!"

And so this is the normal way of calculating interest. It is

called compounding.

period, add it the total, and then calculate the interest for

the next period, and so on ..., like this:

It is like paying interest on interest: after a year Alex owed

$100 interest, the Bank thinks of that as another loan and

charges interest on it, too.

3. Activities:

1. Jerry borrowed $4,000 for 5 years at 6% simple interest

rate. How much interest is that?

2. Julie borrowed $3,500 for 3 years at 7% simple interest

rate.

How much interest is that?

3. Sam borrowed $4,500 for 2 years and had to pay $630

simple interest at the end of that time. What rate of

interest did he pay?

4. Application:

1. Sanjay borrowed $7,000 at a simple interest rate of 3%

per year.

After a certain number of years he had paid $840 in interest

altogether.

How many years was that?

2. Alice borrowed $4,000 for 3 years at 10% compound

interest rate. How much interest is that?

C. Evaluation:

1. Simon borrowed $1,000 for 3 years at 5% compound interest rate.

How much did he owe after 3 years?

2. Sam borrowed $4,500 for 2 years and had to pay $630 simple

interest at the end of that time. What rate of interest did he

pay?

D. Assignment:

1. Alex borrowed $2,000 for 2 years at 5% compound

interest rate. How much interest is that?

2. Dan borrowed $2,000 for 6 months at 12% annual simple

interest rate. How much interest is that?

Department of Education

Region III

DIVISION of PAMPANGA

BETIS HIGH SCHOOL

Guagua, Pampanga

Senior High School

Oct. 04, 2016 Week:______________ Quarter:_________________

Date:______________ 2nd

General Math 11 1st

Subject:____________ Grade:______________Semester:_______________

Learning Competency:

M11GM-IIa-1. Illustrate simple and compound interest.

M11GM-IIa-2. Distinguishes between simple and compound interest.

M11GM-IIa-b-1. Solve problems involving simple and compound

interest.

Objective:

Define simple and compound interest.

Identify the terms used in solving simple and compound interest.

Solve problems involving simple and compound interest.

Materials:

D. Reference: Next Century Mathematics, General Mathematics

E. http://www.mathsisfun.com/money/interest.html

F. https://www.youtube.com/watch?v=nWRhC71SgGk

Procedures:

D. Preparatory Activities:

Daily Routine

a. Prayer

b. Checking of attendance

c. Review

E. Development of the Lesson

5. Motivation: Watch a video of simple interest vs compound

interest.

https://www.youtube.com/watch?v=nWRhC71SgGk

Answer the guide questions.

6. Presentation:

How Much does it Cost to Borrow Money?

Different places charge different amounts at different times!

As a percent (per year) of the amount borrowed

It is called Interest

Alex wants to borrow $1,000. The local bank says "10%

Interest". So to borrow the $1,000 for 1 year will cost:

$1,000 10% = $100

In this case the "Interest" is $100, and the "Interest Rate" is

10% (but people often say "10% Interest" without saying

"Rate")

after one year, so this is what happens:

Alex Borrows $1,000, but has to pay back $1,100

This is the idea of Interest ... paying for the use of the

money.

you to pay back the loan in small monthly amounts, and they

also charge extra fees too!

Words

There are special words used when borrowing money, as

shown here:

between (we see inter- in words like interior and interval),

because the interest happens between the start and end of

the loan.

More Than One Year ...

What if Alex wanted to borrow the money for 2 Years?

Simple Interest

If the bank charges "Simple Interest" then Alex just pays

another 10% for the extra year.

Alex pays Interest of ($1,000 10%) x 2 Years = $200

That is how simple interest works ... pay the same amount of

interest every year.

interest:

Interest = $1,000 10% x 5 Years = $500

Plus the Principal of $1,000 means Alex needs to pay

$1,500 after 5 Years

There is a formula for

simple interest Example: Jan borrowed

I = Prt $3,000 for 4 Years at

where 5% interest rate, how

I = interest much interest is that?

P = amount borrowed I = Prt

(called "Principal") I = $3,000 5% 4

r = interest rate years

t = time I = 3000 0.05 4

Like this: I = $6

Compound Interest

But the bank says "If you paid me everything back after one

year, and then I loaned it to you again ... I would be loaning

you $1,100 for the second year!"

And Alex pays $110 interest in the second year, not just

$100.

This may seem unfair ... but imagine YOU lend the money to

Alex. After a year you think "Alex owes me $1,100 now, and

is still using my money, I should get more interest!"

And so this is the normal way of calculating interest. It is

called compounding.

period, add it the total, and then calculate the interest for

the next period, and so on ..., like this:

It is like paying interest on interest: after a year Alex owed

$100 interest, the Bank thinks of that as another loan and

charges interest on it, too.

7. Activities:

4. Jerry borrowed $4,000 for 5 years at 6% simple interest

rate. How much interest is that?

5. Julie borrowed $3,500 for 3 years at 7% simple interest

rate.

How much interest is that?

6. Sam borrowed $4,500 for 2 years and had to pay $630

simple interest at the end of that time. What rate of

interest did he pay?

8. Application:

3. Sanjay borrowed $7,000 at a simple interest rate of 3%

per year.

After a certain number of years he had paid $840 in interest

altogether.

How many years was that?

4. Alice borrowed $4,000 for 3 years at 10% compound

interest rate. How much interest is that?

F. Evaluation:

3. Simon borrowed $1,000 for 3 years at 5% compound interest rate.

How much did he owe after 3 years?

4. Sam borrowed $4,500 for 2 years and had to pay $630 simple

interest at the end of that time. What rate of interest did he

pay?

D. Assignment:

1. Alex borrowed $2,000 for 2 years at 5% compound

interest rate. How much interest is that?

2. Dan borrowed $2,000 for 6 months at 12% annual simple

interest rate. How much interest is that?

Department of Education

Region III

DIVISION of PAMPANGA

BETIS HIGH SCHOOL

Guagua, Pampanga

Senior High School

Oct. 05, 2016 Week:______________ Quarter:_________________

Date:______________ 2nd

General Math 11 1st

Subject:____________ Grade:______________Semester:_______________

Learning Competency:

M11GM-IIa-1. Illustrate simple and compound interest.

M11GM-IIa-2. Distinguishes between simple and compound interest.

M11GM-IIa-b-1. Solve problems involving simple and compound

interest.

Objective:

Define simple and compound interest.

Identify the terms used in solving simple and compound interest.

Solve problems involving simple and compound interest.

Materials:

G. Reference: Next Century Mathematics, General Mathematics

H. http://www.mathsisfun.com/money/interest.html

I. https://www.youtube.com/watch?v=nWRhC71SgGk

Procedures:

G. Preparatory Activities:

Daily Routine

a. Prayer

b. Checking of attendance

c. Review

9. Motivation: Watch a video of simple interest vs compound

interest.

https://www.youtube.com/watch?v=nWRhC71SgGk

Answer the guide questions.

10. Presentation:

How Much does it Cost to Borrow Money?

Different places charge different amounts at different times!

As a percent (per year) of the amount borrowed

It is called Interest

Alex wants to borrow $1,000. The local bank says "10%

Interest". So to borrow the $1,000 for 1 year will cost:

$1,000 10% = $100

In this case the "Interest" is $100, and the "Interest Rate" is

10% (but people often say "10% Interest" without saying

"Rate")

after one year, so this is what happens:

Alex Borrows $1,000, but has to pay back $1,100

This is the idea of Interest ... paying for the use of the

money.

you to pay back the loan in small monthly amounts, and they

also charge extra fees too!

Words

There are special words used when borrowing money, as

shown here:

between (we see inter- in words like interior and interval),

because the interest happens between the start and end of

the loan.

More Than One Year ...

What if Alex wanted to borrow the money for 2 Years?

Simple Interest

If the bank charges "Simple Interest" then Alex just pays

another 10% for the extra year.

Alex pays Interest of ($1,000 10%) x 2 Years = $200

That is how simple interest works ... pay the same amount of

interest every year.

interest:

Interest = $1,000 10% x 5 Years = $500

Plus the Principal of $1,000 means Alex needs to pay

$1,500 after 5 Years

There is a formula for

simple interest Example: Jan borrowed

I = Prt $3,000 for 4 Years at

where 5% interest rate, how

I = interest much interest is that?

P = amount borrowed I = Prt

(called "Principal") I = $3,000 5% 4

r = interest rate years

t = time I = 3000 0.05 4

Like this: I = $6

Compound Interest

But the bank says "If you paid me everything back after one

year, and then I loaned it to you again ... I would be loaning you

$1,100 for the second year!"

And Alex pays $110 interest in the second year, not just $100.

This may seem unfair ... but imagine YOU lend the money to

Alex. After a year you think "Alex owes me $1,100 now, and is

still using my money, I should get more interest!"

And so this is the normal way of calculating interest. It is called

compounding.

With compounding we work out the interest for the first period,

add it the total, and then calculate the interest for the next

period, and so on ..., like this:

It is like paying interest on interest: after a year Alex owed $100

interest, the Bank thinks of that as another loan and charges

interest on it, too.

11. Activities:

7. Jerry borrowed $4,000 for 5 years at 6% simple interest rate.

How much interest is that?

8. Julie borrowed $3,500 for 3 years at 7% simple interest

rate.

How much interest is that?

9. Sam borrowed $4,500 for 2 years and had to pay $630

simple interest at the end of that time. What rate of interest

did he pay?

12. Application:

5. Sanjay borrowed $7,000 at a simple interest rate of 3% per

year.

After a certain number of years he had paid $840 in interest

altogether.

How many years was that?

6. Alice borrowed $4,000 for 3 years at 10% compound interest

rate. How much interest is that?

I. Evaluation:

5. Simon borrowed $1,000 for 3 years at 5% compound interest rate. How

much did he owe after 3 years?

6. Sam borrowed $4,500 for 2 years and had to pay $630 simple

interest at the end of that time. What rate of interest did he pay?

D. Assignment:

1. Alex borrowed $2,000 for 2 years at 5% compound interest

rate. How much interest is that?

2. Dan borrowed $2,000 for 6 months at 12% annual simple

interest rate. How much interest is that?

Department of Education

Region III

DIVISION of PAMPANGA

BETIS HIGH SCHOOL

Guagua, Pampanga

Senior High School

Oct. 06, 2016 Week:______________ Quarter:_________________

Date:______________ 2nd

General Math 11 1st

Subject:____________ Grade:______________Semester:_______________

M11GM-IIa-1. Illustrate simple and compound interest.

M11GM-IIa-2. Distinguishes between simple and compound interest.

M11GM-IIa-b-1. Solve problems involving simple and compound

interest.

Define simple and compound interest.

Identify the terms used in solving simple and compound interest.

Solve problems involving simple and compound interest.

Materials:

J. Reference: Next Century Mathematics, General Mathematics

K. http://www.mathsisfun.com/money/interest.html

L. https://www.youtube.com/watch?v=nWRhC71SgGk

Procedures:

J. Preparatory Activities:

Daily Routine

a. Prayer

b. Checking of attendance

c. Review

13. Motivation: Watch a video of simple interest vs compound

interest.

https://www.youtube.com/watch?v=nWRhC71SgGk

Answer the guide questions.

14. Presentation:

How Much does it Cost to Borrow Money?

Different places charge different amounts at different times!

As a percent (per year) of the amount borrowed

It is called Interest

Alex wants to borrow $1,000. The local bank says "10%

Interest". So to borrow the $1,000 for 1 year will cost:

$1,000 10% = $100

In this case the "Interest" is $100, and the "Interest Rate" is

10% (but people often say "10% Interest" without saying "Rate")

Of course, Alex will have to pay back the original $1,000 after

one year, so this is what happens:

Alex Borrows $1,000, but has to pay back $1,100

This is the idea of Interest ... paying for the use of the money.

you to pay back the loan in small monthly amounts, and they

also charge extra fees too!

Words

There are special words used when borrowing money, as shown

here:

The important part of the word "Interest" is Inter- meaning

between (we see inter- in words like interior and interval),

because the interest happens between the start and end of the

loan.

More Than One Year ...

What if Alex wanted to borrow the money for 2 Years?

Simple Interest

If the bank charges "Simple Interest" then Alex just pays

another 10% for the extra year.

Alex pays Interest of ($1,000 10%) x 2 Years = $200

That is how simple interest works ... pay the same amount of

interest every year.

interest:

Interest = $1,000 10% x 5 Years = $500

Plus the Principal of $1,000 means Alex needs to pay $1,500

after 5 Years

There is a formula for

simple interest Example: Jan borrowed

I = Prt $3,000 for 4 Years at

where 5% interest rate, how

I = interest much interest is that?

P = amount borrowed I = Prt

(called "Principal") I = $3,000 5% 4

r = interest rate years

t = time I = 3000 0.05 4

Like this: I = $6

Compound Interest

year, and then I loaned it to you again ... I would be loaning

you $1,100 for the second year!"

And Alex pays $110 interest in the second year, not just

$100.

This may seem unfair ... but imagine YOU lend the money to

Alex. After a year you think "Alex owes me $1,100 now, and

is still using my money, I should get more interest!"

And so this is the normal way of calculating interest. It is

called compounding.

period, add it the total, and then calculate the interest for

the next period, and so on ..., like this:

It is like paying interest on interest: after a year Alex owed

$100 interest, the Bank thinks of that as another loan and

charges interest on it, too.

15. Activities:

10. Jerry borrowed $4,000 for 5 years at 6% simple interest

rate. How much interest is that?

11. Julie borrowed $3,500 for 3 years at 7% simple interest

rate.

How much interest is that?

12. Sam borrowed $4,500 for 2 years and had to pay $630

simple interest at the end of that time. What rate of

interest did he pay?

16. Application:

7. Sanjay borrowed $7,000 at a simple interest rate of 3%

per year.

After a certain number of years he had paid $840 in interest

altogether.

How many years was that?

8. Alice borrowed $4,000 for 3 years at 10% compound

interest rate. How much interest is that?

L. Evaluation:

7. Simon borrowed $1,000 for 3 years at 5% compound interest rate.

How much did he owe after 3 years?

8. Sam borrowed $4,500 for 2 years and had to pay $630 simple

interest at the end of that time. What rate of interest did he

pay?

D. Assignment:

1. Alex borrowed $2,000 for 2 years at 5% compound

interest rate. How much interest is that?

2. Dan borrowed $2,000 for 6 months at 12% annual simple

interest rate. How much interest is that?

Department of Education

Region III

DIVISION of PAMPANGA

BETIS HIGH SCHOOL

Guagua, Pampanga

Senior High School

Oct. 07, 2016 Week:______________ Quarter:_________________

Date:______________ 2nd

General Math 11 1st

Subject:____________ Grade:______________Semester:_______________

M11GM-IIa-1. Illustrate simple and compound interest.

M11GM-IIa-2. Distinguishes between simple and compound interest.

M11GM-IIa-b-1. Solve problems involving simple and compound

interest.

Define simple and compound interest.

Identify the terms used in solving simple and compound interest.

Solve problems involving simple and compound interest.

Materials:

M. Reference: Next Century Mathematics, General Mathematics

N. http://www.mathsisfun.com/money/interest.html

O. https://www.youtube.com/watch?v=nWRhC71SgGk

Procedures:

M. Preparatory Activities:

Daily Routine

a. Prayer

b. Checking of attendance

c. Review

17. Motivation: Watch a video of simple interest vs

compound interest.

https://www.youtube.com/watch?v=nWRhC71SgGk

Answer the guide questions.

18. Presentation:

How Much does it Cost to Borrow Money?

Different places charge different amounts at different times!

As a percent (per year) of the amount borrowed

It is called Interest

Alex wants to borrow $1,000. The local bank says "10%

Interest". So to borrow the $1,000 for 1 year will cost:

$1,000 10% = $100

In this case the "Interest" is $100, and the "Interest Rate" is

10% (but people often say "10% Interest" without saying

"Rate")

after one year, so this is what happens:

Alex Borrows $1,000, but has to pay back $1,100

This is the idea of Interest ... paying for the use of the

money.

you to pay back the loan in small monthly amounts, and they

also charge extra fees too!

Words

There are special words used when borrowing money, as

shown here:

between (we see inter- in words like interior and interval),

because the interest happens between the start and end of

the loan.

More Than One Year ...

What if Alex wanted to borrow the money for 2 Years?

Simple Interest

If the bank charges "Simple Interest" then Alex just pays

another 10% for the extra year.

Alex pays Interest of ($1,000 10%) x 2 Years = $200

That is how simple interest works ... pay the same amount of

interest every year.

Example: Alex borrows $1,000 for 5 Years, at 10% simple

interest:

Interest = $1,000 10% x 5 Years = $500

Plus the Principal of $1,000 means Alex needs to pay

$1,500 after 5 Years

There is a formula for

simple interest

I = Prt

where

I = interest

P = amount borrowed

(called "Principal")

r = interest rate

t = time

Like this:

$3,000 for 4 Years at

5% interest rate, how

much interest is that?

I = Prt

I = $3,000 5% 4

years

I = 3000 0.05 4

I = $6

Compound Interest

year, and then I loaned it to you again ... I would be loaning you

$1,100 for the second year!"

And Alex pays $110 interest in the second year, not just $100.

This may seem unfair ... but imagine YOU lend the money to

Alex. After a year you think "Alex owes me $1,100 now, and is

still using my money, I should get more interest!"

And so this is the normal way of calculating interest. It is called

compounding.

With compounding we work out the interest for the first period,

add it the total, and then calculate the interest for the next

period, and so on ..., like this:

It is like paying interest on interest: after a year Alex owed $100

interest, the Bank thinks of that as another loan and charges

interest on it, too.

19. Activities:

13. Jerry borrowed $4,000 for 5 years at 6% simple interest rate.

How much interest is that?

14. Julie borrowed $3,500 for 3 years at 7% simple interest

rate.

How much interest is that?

15. Sam borrowed $4,500 for 2 years and had to pay $630

simple interest at the end of that time. What rate of interest

did he pay?

20. Application:

9. Sanjay borrowed $7,000 at a simple interest rate of 3% per

year.

After a certain number of years he had paid $840 in interest

altogether.

How many years was that?

10. Alice borrowed $4,000 for 3 years at 10% compound

interest rate. How much interest is that?

O. Evaluation:

9. Simon borrowed $1,000 for 3 years at 5% compound interest rate. How

much did he owe after 3 years?

10. Sam borrowed $4,500 for 2 years and had to pay $630 simple

interest at the end of that time. What rate of interest did he pay?

1. Alex borrowed $2,000 for 2 years at 5% compound interest

rate. How much interest is that?

2. Dan borrowed $2,000 for 6 months at 12% annual simple

interest rate. How much interest is that?

Department of Education

Region III

DIVISION of PAMPANGA

BETIS HIGH SCHOOL

Guagua, Pampanga

Senior High School

Oct. 10, 2016 Week:______________ Quarter:_________________

Date:______________ 2nd

General Math 11 1st

Subject:____________ Grade:______________Semester:_______________

Learning Competency:

M11GM-IIc-1. Illustrate simple and general annuities.

M11GM-IIc-2. Distinguishes between simple and general annuities.

M11GM-IIc-d-2. Find the future value and present value of both simple

and general annuities.

Objective:

Define simple and general annuities.

Identify the terms used in solving simple and general annuities.

Solve problems involving future value and present value of both simple

and general annuities.

Materials:

Reference: Next Century Mathematics, General Mathematics

http://www.investopedia.com/articles/03/101503.asp

Procedures:

P. Preparatory Activities:

Daily Routine

a. Prayer

b. Checking of attendance

c. Review: simple an compound interest

1. Motivation:

How many of these can you answer orally?

a. 6 is what percent of 24?

b. 60 is what percent of 4?

c. What percent of 18 is 90?

d. 150 is what percent of 100?

e. 86 is what percent of 860?

2. Presentation:

An annuity is a contract between you (the annuitant) and an

insurance company (the insurer) for receiving and disbursing

money for the annuitant or the beneficiary of the annuitant. An

annuity has two phasesthe accumulation phase and the

liquidation phase.

An annuity is purchased by making either a single lump-sum

payment or a series of periodic

payments. Under the terms of the contract, the insurer agrees

to make a lump-sum payment or periodic payments to you

beginning at some future date. This investment option is a long-

term investment option that is commonly used for retirement

planning or as a college fund for small children.

Penalties are normally applied if funds are withdrawn before a

time specified in the agreement.

There are many options to consider when purchasing an annuity.

You can choose how the money is invested (stocks, bonds, money

market instruments, or a combination of these) and the level of risk

of the investment. High-risk options have the potential to earn a

high rate of return but the investment may be at risk. Low-risk

options normally earn a lower rate of interest but the risk is also

lower. A guaranteed rate of interest has no risk at all on the

principal and guarantees a specific interest rate.

Simple Annuities Due are annuities where payments

are made at the beginning of each period and the compounding

period

is EQUAL to the payment period (P/Y = C/Y) General Annuities

Due are annuities where payments are made at the beginning of

each period but the compounding period is NOT equal to the

payment period (P/Y C/Y).

Example 1: 1.) Find the FV (Future Value) at the end of the last

payment period. Payments of $1000 each are made at the

beginning of each year for 3 years with interest at 5% compounded

annually. 1 2 3 (Focal Date) $1000 $1000 $1000 |__________|

__________| BGN, P/Y = 1, C/Y = 1 (Therefore this is a simple annuity

due) PMT= 1000 (+/-), N= 3, I/Y= 5, CPT = FV (3,310.13) Annuities

Due (Simple and General) Therefore, the future value at the end of

the last payment period is $3310.13 Example 2: A four-year lease

agreement requires payments of $10,000 at the beginning of every

year. If the interest rate is 6% compounded monthly, what is the

cash value of the lease? (Focal Date) Now 2 3 4 10,000 10,000

10,000 10,000 |_________|_________|________| BGN, P/Y = 1, C/Y = 12

(PY CY, therefore this is an general annuity due) PMT=

10,000(+/-), N=4, I/Y=6, CPT=PV (36,647.36) Therefore, the cash

value of the lease is $36,647.36

Practice Questions:

1.) What deposit made at the beginning of each month will

accumulate to 120,000 at 8% compounded semi-annually at

the end of 10 years?

depositing 1000 at the beginning of each month. If interest

on the account is 5% compounded quarterly, for how long

does Laura have to deposit the money?

3.) James deposited 150 at the beginning of each month for two

years into his savings account. For the next four years he did not

make any more deposits, leaving the money in the account. The

bank charges 4% interest compounded monthly.

Answers: 1) $656.40 2) n = 116.5/12 = 9.7 years 3) $4,404.70.

Hint: first step is to find balance [FV] after 2 years, which will

become the Present Value using the FV formula for compound

interest since PMT=0 for the last 4 years

More Examples:

interest formula method.

Finding the future value of an annuity into which periodic

payments are made means finding the amount of the annuity at the

end of the accumulation phase. This is similar to finding the future

value of a lump sum. The significant difference is that for each

interest period, more principal the annuity paymentis added to

the amount on which interest is earned. The simple interest formula

I = PRT is still the basis of calculating interest for each period of the

annuity.

HOW TO Find the future value of an ordinary annuity in the

accumulation phase

with periodic payments using the simple interest formula

method

1. Find the first end-of-period principal.

2. For each remaining period in turn, find the next end-of-period

principal.

(a) Multiply the previous end-of-period principal by the sum of 1

and the decimal equivalent of the period interest rate.

(b) Add the product from step 2a and the annuity payment.

3. Identify the last end-of-period principal as the future value.

For an ordinary annuity, no interest accumulates on the annuity

payment during the period in

which it is paid because the payment is made at the end of the

period. For the first period, this

means no interest accumulates at all.

set aside 2,0000 at the end of each year for the next 20 years and

it will earn 6% annual interest. What lump sum will she need to

set aside today at 6% annual interest to have the same retirement

fund available 20 years from now? How much more will Carolyn

need to invest in periodic payments than she will if she makes a

lump sum payment if she intends to accumulate the same

retirement balance?

c. Evaluation

Group yourselves by three (3). Solve these problems.

$600 annually into an ordinary annuity, how much money would

accumulate in

20 years at 3% compounded annually? How much at 5%?

25% tax bracket, what would be the net effect of investing at 8%

for

20 years if taxes on the earnings were paid from the

investment fund each year? How would this compare if no taxes

had to be paid, such

as in a tax-deferred annuity at 8% for 20 years?

d. Assignment

65 with $1,000,000. How much would she have to invest annually

assuming a 6% rate of return?

2. Jessica decides that 40 years is just too long to work, and she

thinks that she can do much better than 6%. She decides that she

wants to accumulate $1,000,000 by age 55 using a variable

annuity earning 12%. How much will she have to invest annually to

achieve this goal?

Do you think that 12% is a reasonable interest rate to use?

Why or why not?

Department of Education

Region III

DIVISION of PAMPANGA

BETIS HIGH SCHOOL

Guagua, Pampanga

Senior High School

Oct. 11, 2016 Week:______________ Quarter:_________________

Date:______________ 2nd

General Math 11 1st

Subject:____________ Grade:______________Semester:_______________

Learning Competency:

M11GM-IIc-1. Illustrate simple and general annuities.

M11GM-IIc-2. Distinguishes between simple and general annuities.

M11GM-IIc-d-2. Find the future value and present value of both simple

and general annuities.

Objective:

Define simple and general annuities.

Identify the terms used in solving simple and general annuities.

Solve problems involving future value and present value of both simple

and general annuities.

Materials:

Reference: Next Century Mathematics, General Mathematics

http://www.investopedia.com/articles/03/101503.asp

Procedures:

R. Preparatory Activities:

Daily Routine

a. Prayer

b. Checking of attendance

c. Review: simple an compound interest

4. Motivation:

How many of these can you answer orally?

a. 6 is what percent of 24?

b. 60 is what percent of 4?

c. What percent of 18 is 90?

d. 150 is what percent of 100?

e. 86 is what percent of 860?

5. Presentation:

An annuity is a contract between you (the annuitant) and an

insurance company (the insurer) for receiving and disbursing

money for the annuitant or the beneficiary of the annuitant. An

annuity has two phasesthe accumulation phase and the

liquidation phase.

An annuity is purchased by making either a single lump-sum

payment or a series of periodic

payments. Under the terms of the contract, the insurer agrees

to make a lump-sum payment or periodic payments to you

beginning at some future date. This investment option is a long-

term investment option that is commonly used for retirement

planning or as a college fund for small children.

Penalties are normally applied if funds are withdrawn before a

time specified in the agreement.

There are many options to consider when purchasing an annuity.

You can choose how the money is invested (stocks, bonds, money

market instruments, or a combination of these) and the level of risk

of the investment. High-risk options have the potential to earn a

high rate of return but the investment may be at risk. Low-risk

options normally earn a lower rate of interest but the risk is also

lower. A guaranteed rate of interest has no risk at all on the

principal and guarantees a specific interest rate.

Simple Annuities Due are annuities where payments

are made at the beginning of each period and the compounding

period

is EQUAL to the payment period (P/Y = C/Y) General Annuities

Due are annuities where payments are made at the beginning of

each period but the compounding period is NOT equal to the

payment period (P/Y C/Y).

Example 1: 1.) Find the FV (Future Value) at the end of the last

payment period. Payments of $1000 each are made at the

beginning of each year for 3 years with interest at 5% compounded

annually. 1 2 3 (Focal Date) $1000 $1000 $1000 |__________|

__________| BGN, P/Y = 1, C/Y = 1 (Therefore this is a simple annuity

due) PMT= 1000 (+/-), N= 3, I/Y= 5, CPT = FV (3,310.13) Annuities

Due (Simple and General) Therefore, the future value at the end of

the last payment period is $3310.13 Example 2: A four-year lease

agreement requires payments of $10,000 at the beginning of every

year. If the interest rate is 6% compounded monthly, what is the

cash value of the lease? (Focal Date) Now 2 3 4 10,000 10,000

10,000 10,000 |_________|_________|________| BGN, P/Y = 1, C/Y = 12

(PY CY, therefore this is an general annuity due) PMT=

10,000(+/-), N=4, I/Y=6, CPT=PV (36,647.36) Therefore, the cash

value of the lease is $36,647.36

Practice Questions:

3.) What deposit made at the beginning of each month will

accumulate to 120,000 at 8% compounded semi-annually at

the end of 10 years?

depositing 1000 at the beginning of each month. If interest

on the account is 5% compounded quarterly, for how long

does Laura have to deposit the money?

3.) James deposited 150 at the beginning of each month for two

years into his savings account. For the next four years he did not

make any more deposits, leaving the money in the account. The

bank charges 4% interest compounded monthly.

Answers: 1) $656.40 2) n = 116.5/12 = 9.7 years 3) $4,404.70.

Hint: first step is to find balance [FV] after 2 years, which will

become the Present Value using the FV formula for compound

interest since PMT=0 for the last 4 years

More Examples:

interest formula method.

Finding the future value of an annuity into which periodic

payments are made means finding the amount of the annuity at the

end of the accumulation phase. This is similar to finding the future

value of a lump sum. The significant difference is that for each

interest period, more principal the annuity paymentis added to

the amount on which interest is earned. The simple interest formula

I = PRT is still the basis of calculating interest for each period of the

annuity.

HOW TO Find the future value of an ordinary annuity in the

accumulation phase

with periodic payments using the simple interest formula

method

1. Find the first end-of-period principal.

2. For each remaining period in turn, find the next end-of-period

principal.

(a) Multiply the previous end-of-period principal by the sum of 1

and the decimal equivalent of the period interest rate.

(b) Add the product from step 2a and the annuity payment.

3. Identify the last end-of-period principal as the future value.

For an ordinary annuity, no interest accumulates on the annuity

payment during the period in

which it is paid because the payment is made at the end of the

period. For the first period, this

means no interest accumulates at all.

set aside 2,0000 at the end of each year for the next 20 years and

it will earn 6% annual interest. What lump sum will she need to

set aside today at 6% annual interest to have the same retirement

fund available 20 years from now? How much more will Carolyn

need to invest in periodic payments than she will if she makes a

lump sum payment if she intends to accumulate the same

retirement balance?

c. Evaluation

Group yourselves by three (3). Solve these problems.

$600 annually into an ordinary annuity, how much money would

accumulate in

20 years at 3% compounded annually? How much at 5%?

25% tax bracket, what would be the net effect of investing at 8%

for

20 years if taxes on the earnings were paid from the

investment fund each year? How would this compare if no taxes

had to be paid, such

as in a tax-deferred annuity at 8% for 20 years?

d. Assignment

65 with $1,000,000. How much would she have to invest annually

assuming a 6% rate of return?

2. Jessica decides that 40 years is just too long to work, and she

thinks that she can do much better than 6%. She decides that she

wants to accumulate $1,000,000 by age 55 using a variable

annuity earning 12%. How much will she have to invest annually to

achieve this goal?

Do you think that 12% is a reasonable interest rate to use?

Why or why not?

Department of Education

Region III

DIVISION of PAMPANGA

BETIS HIGH SCHOOL

Guagua, Pampanga

Senior High School

Oct. 12, 2016 Week:______________ Quarter:_________________

Date:______________ 2nd

General Math 11 1st

Subject:____________ Grade:______________Semester:_______________

Learning Competency:

M11GM-IIc-1. Illustrate simple and general annuities.

M11GM-IIc-2. Distinguishes between simple and general annuities.

M11GM-IIc-d-2. Find the future value and present value of both simple

and general annuities.

Objective:

Define simple and general annuities.

Identify the terms used in solving simple and general annuities.

Solve problems involving future value and present value of both simple

and general annuities.

Materials:

Reference: Next Century Mathematics, General Mathematics

http://www.investopedia.com/articles/03/101503.asp

Procedures:

T. Preparatory Activities:

Daily Routine

a. Prayer

b. Checking of attendance

c. Review: simple an compound interest

7. Motivation:

How many of these can you answer orally?

a. 6 is what percent of 24?

b. 60 is what percent of 4?

c. What percent of 18 is 90?

d. 150 is what percent of 100?

e. 86 is what percent of 860?

8. Presentation:

An annuity is a contract between you (the annuitant) and an

insurance company (the insurer) for receiving and disbursing

money for the annuitant or the beneficiary of the annuitant. An

annuity has two phasesthe accumulation phase and the

liquidation phase.

An annuity is purchased by making either a single lump-sum

payment or a series of periodic

payments. Under the terms of the contract, the insurer agrees

to make a lump-sum payment or periodic payments to you

beginning at some future date. This investment option is a long-

term investment option that is commonly used for retirement

planning or as a college fund for small children.

Penalties are normally applied if funds are withdrawn before a

time specified in the agreement.

There are many options to consider when purchasing an annuity.

You can choose how the money is invested (stocks, bonds, money

market instruments, or a combination of these) and the level of risk

of the investment. High-risk options have the potential to earn a

high rate of return but the investment may be at risk. Low-risk

options normally earn a lower rate of interest but the risk is also

lower. A guaranteed rate of interest has no risk at all on the

principal and guarantees a specific interest rate.

Simple Annuities Due are annuities where payments

are made at the beginning of each period and the compounding

period

is EQUAL to the payment period (P/Y = C/Y) General Annuities

Due are annuities where payments are made at the beginning of

each period but the compounding period is NOT equal to the

payment period (P/Y C/Y).

Example 1: 1.) Find the FV (Future Value) at the end of the last

payment period. Payments of $1000 each are made at the

beginning of each year for 3 years with interest at 5% compounded

annually. 1 2 3 (Focal Date) $1000 $1000 $1000 |__________|

__________| BGN, P/Y = 1, C/Y = 1 (Therefore this is a simple annuity

due) PMT= 1000 (+/-), N= 3, I/Y= 5, CPT = FV (3,310.13) Annuities

Due (Simple and General) Therefore, the future value at the end of

the last payment period is $3310.13 Example 2: A four-year lease

agreement requires payments of $10,000 at the beginning of every

year. If the interest rate is 6% compounded monthly, what is the

cash value of the lease? (Focal Date) Now 2 3 4 10,000 10,000

10,000 10,000 |_________|_________|________| BGN, P/Y = 1, C/Y = 12

(PY CY, therefore this is an general annuity due) PMT=

10,000(+/-), N=4, I/Y=6, CPT=PV (36,647.36) Therefore, the cash

value of the lease is $36,647.36

Practice Questions:

5.) What deposit made at the beginning of each month will

accumulate to 120,000 at 8% compounded semi-annually at

the end of 10 years?

depositing 1000 at the beginning of each month. If interest

on the account is 5% compounded quarterly, for how long

does Laura have to deposit the money?

3.) James deposited 150 at the beginning of each month for two

years into his savings account. For the next four years he did not

make any more deposits, leaving the money in the account. The

bank charges 4% interest compounded monthly.

Answers: 1) $656.40 2) n = 116.5/12 = 9.7 years 3) $4,404.70.

Hint: first step is to find balance [FV] after 2 years, which will

become the Present Value using the FV formula for compound

interest since PMT=0 for the last 4 years

More Examples:

interest formula method.

Finding the future value of an annuity into which periodic

payments are made means finding the amount of the annuity at the

end of the accumulation phase. This is similar to finding the future

value of a lump sum. The significant difference is that for each

interest period, more principal the annuity paymentis added to

the amount on which interest is earned. The simple interest formula

I = PRT is still the basis of calculating interest for each period of the

annuity.

HOW TO Find the future value of an ordinary annuity in the

accumulation phase

with periodic payments using the simple interest formula

method

1. Find the first end-of-period principal.

2. For each remaining period in turn, find the next end-of-period

principal.

(a) Multiply the previous end-of-period principal by the sum of 1

and the decimal equivalent of the period interest rate.

(b) Add the product from step 2a and the annuity payment.

3. Identify the last end-of-period principal as the future value.

For an ordinary annuity, no interest accumulates on the annuity

payment during the period in

which it is paid because the payment is made at the end of the

period. For the first period, this

means no interest accumulates at all.

set aside 2,0000 at the end of each year for the next 20 years and

it will earn 6% annual interest. What lump sum will she need to

set aside today at 6% annual interest to have the same retirement

fund available 20 years from now? How much more will Carolyn

need to invest in periodic payments than she will if she makes a

lump sum payment if she intends to accumulate the same

retirement balance?

c. Evaluation

Group yourselves by three (3). Solve these problems.

$600 annually into an ordinary annuity, how much money would

accumulate in

20 years at 3% compounded annually? How much at 5%?

25% tax bracket, what would be the net effect of investing at 8%

for

20 years if taxes on the earnings were paid from the

investment fund each year? How would this compare if no taxes

had to be paid, such

as in a tax-deferred annuity at 8% for 20 years?

d. Assignment

65 with $1,000,000. How much would she have to invest annually

assuming a 6% rate of return?

2. Jessica decides that 40 years is just too long to work, and she

thinks that she can do much better than 6%. She decides that she

wants to accumulate $1,000,000 by age 55 using a variable

annuity earning 12%. How much will she have to invest annually to

achieve this goal?

Do you think that 12% is a reasonable interest rate to use?

Why or why not?

Department of Education

Region III

DIVISION of PAMPANGA

BETIS HIGH SCHOOL

Guagua, Pampanga

Senior High School

Oct. 13, 2016 Week:______________ Quarter:_________________

Date:______________ 2nd

General Math 11 1st

Subject:____________ Grade:______________Semester:_______________

M11GM-IIc-1. Illustrate simple and general annuities.

M11GM-IIc-2. Distinguishes between simple and general annuities.

M11GM-IIc-d-2. Find the future value and present value of both simple

and general annuities.

Define simple and general annuities.

Identify the terms used in solving simple and general annuities.

Solve problems involving future value and present value of both simple

and general annuities.

Materials:

Reference: Next Century Mathematics, General Mathematics

http://www.investopedia.com/articles/03/101503.asp

Procedures:

V. Preparatory Activities:

Daily Routine

a. Prayer

b. Checking of attendance

c. Review: simple an compound interest

10. Motivation:

How many of these can you answer orally?

a. 6 is what percent of 24?

b. 60 is what percent of 4?

c. What percent of 18 is 90?

d. 150 is what percent of 100?

e. 86 is what percent of 860?

11. Presentation:

An annuity is a contract between you (the annuitant) and an

insurance company (the insurer) for receiving and disbursing

money for the annuitant or the beneficiary of the annuitant. An

annuity has two phasesthe accumulation phase and the

liquidation phase.

An annuity is purchased by making either a single lump-sum

payment or a series of periodic

payments. Under the terms of the contract, the insurer agrees

to make a lump-sum payment or periodic payments to you

beginning at some future date. This investment option is a long-

term investment option that is commonly used for retirement

planning or as a college fund for small children.

Penalties are normally applied if funds are withdrawn before a

time specified in the agreement.

There are many options to consider when purchasing an annuity.

You can choose how the money is invested (stocks, bonds, money

market instruments, or a combination of these) and the level of risk

of the investment. High-risk options have the potential to earn a

high rate of return but the investment may be at risk. Low-risk

options normally earn a lower rate of interest but the risk is also

lower. A guaranteed rate of interest has no risk at all on the

principal and guarantees a specific interest rate.

Simple Annuities Due are annuities where payments

are made at the beginning of each period and the compounding

period

is EQUAL to the payment period (P/Y = C/Y) General Annuities

Due are annuities where payments are made at the beginning of

each period but the compounding period is NOT equal to the

payment period (P/Y C/Y).

payment period. Payments of $1000 each are made at the

beginning of each year for 3 years with interest at 5% compounded

annually. 1 2 3 (Focal Date) $1000 $1000 $1000 |__________|

__________| BGN, P/Y = 1, C/Y = 1 (Therefore this is a simple annuity

due) PMT= 1000 (+/-), N= 3, I/Y= 5, CPT = FV (3,310.13) Annuities

Due (Simple and General) Therefore, the future value at the end of

the last payment period is $3310.13 Example 2: A four-year lease

agreement requires payments of $10,000 at the beginning of every

year. If the interest rate is 6% compounded monthly, what is the

cash value of the lease? (Focal Date) Now 2 3 4 10,000 10,000

10,000 10,000 |_________|_________|________| BGN, P/Y = 1, C/Y = 12

(PY CY, therefore this is an general annuity due) PMT=

10,000(+/-), N=4, I/Y=6, CPT=PV (36,647.36) Therefore, the cash

value of the lease is $36,647.36

Practice Questions:

7.) What deposit made at the beginning of each month will

accumulate to 120,000 at 8% compounded semi-annually at

the end of 10 years?

depositing 1000 at the beginning of each month. If interest

on the account is 5% compounded quarterly, for how long

does Laura have to deposit the money?

3.) James deposited 150 at the beginning of each month for two

years into his savings account. For the next four years he did not

make any more deposits, leaving the money in the account. The

bank charges 4% interest compounded monthly.

Answers: 1) $656.40 2) n = 116.5/12 = 9.7 years 3) $4,404.70.

Hint: first step is to find balance [FV] after 2 years, which will

become the Present Value using the FV formula for compound

interest since PMT=0 for the last 4 years

More Examples:

interest formula method.

Finding the future value of an annuity into which periodic

payments are made means finding the amount of the annuity at the

end of the accumulation phase. This is similar to finding the future

value of a lump sum. The significant difference is that for each

interest period, more principal the annuity paymentis added to

the amount on which interest is earned. The simple interest formula

I = PRT is still the basis of calculating interest for each period of the

annuity.

HOW TO Find the future value of an ordinary annuity in the

accumulation phase

with periodic payments using the simple interest formula

method

1. Find the first end-of-period principal.

2. For each remaining period in turn, find the next end-of-period

principal.

(a) Multiply the previous end-of-period principal by the sum of 1

and the decimal equivalent of the period interest rate.

(b) Add the product from step 2a and the annuity payment.

3. Identify the last end-of-period principal as the future value.

For an ordinary annuity, no interest accumulates on the annuity

payment during the period in

which it is paid because the payment is made at the end of the

period. For the first period, this

means no interest accumulates at all.

set aside 2,0000 at the end of each year for the next 20 years and

it will earn 6% annual interest. What lump sum will she need to

set aside today at 6% annual interest to have the same retirement

fund available 20 years from now? How much more will Carolyn

need to invest in periodic payments than she will if she makes a

lump sum payment if she intends to accumulate the same

retirement balance?

c. Evaluation

Group yourselves by three (3). Solve these problems.

$600 annually into an ordinary annuity, how much money would

accumulate in

20 years at 3% compounded annually? How much at 5%?

25% tax bracket, what would be the net effect of investing at 8%

for

20 years if taxes on the earnings were paid from the

investment fund each year? How would this compare if no taxes

had to be paid, such

as in a tax-deferred annuity at 8% for 20 years?

d. Assignment

65 with $1,000,000. How much would she have to invest annually

assuming a 6% rate of return?

2. Jessica decides that 40 years is just too long to work, and she

thinks that she can do much better than 6%. She decides that she

wants to accumulate $1,000,000 by age 55 using a variable

annuity earning 12%. How much will she have to invest annually to

achieve this goal?

Do you think that 12% is a reasonable interest rate to use?

Why or why not?

Department of Education

Region III

DIVISION of PAMPANGA

BETIS HIGH SCHOOL

Guagua, Pampanga

Senior High School

Oct. 14, 2016 Week:______________ Quarter:_________________

Date:______________ 2nd

General Math 11 1st

Subject:____________ Grade:______________Semester:_______________

M11GM-IIc-1. Illustrate simple and general annuities.

M11GM-IIc-2. Distinguishes between simple and general annuities.

M11GM-IIc-d-2. Find the future value and present value of both simple

and general annuities.

Define simple and general annuities.

Identify the terms used in solving simple and general annuities.

Solve problems involving future value and present value of both simple

and general annuities.

Materials:

Reference: Next Century Mathematics, General Mathematics

http://www.investopedia.com/articles/03/101503.asp

Procedures:

X. Preparatory Activities:

Daily Routine

a. Prayer

b. Checking of attendance

c. Review: simple an compound interest

13. Motivation:

How many of these can you answer orally?

a. 6 is what percent of 24?

b. 60 is what percent of 4?

c. What percent of 18 is 90?

d. 150 is what percent of 100?

e. 86 is what percent of 860?

14. Presentation:

An annuity is a contract between you (the annuitant) and an

insurance company (the insurer) for receiving and disbursing

money for the annuitant or the beneficiary of the annuitant. An

annuity has two phasesthe accumulation phase and the

liquidation phase.

An annuity is purchased by making either a single lump-sum

payment or a series of periodic

payments. Under the terms of the contract, the insurer agrees

to make a lump-sum payment or periodic payments to you

beginning at some future date. This investment option is a long-

term investment option that is commonly used for retirement

planning or as a college fund for small children.

Penalties are normally applied if funds are withdrawn before a

time specified in the agreement.

There are many options to consider when purchasing an annuity.

You can choose how the money is invested (stocks, bonds, money

market instruments, or a combination of these) and the level of risk

of the investment. High-risk options have the potential to earn a

high rate of return but the investment may be at risk. Low-risk

options normally earn a lower rate of interest but the risk is also

lower. A guaranteed rate of interest has no risk at all on the

principal and guarantees a specific interest rate.

Simple Annuities Due are annuities where payments

are made at the beginning of each period and the compounding

period

is EQUAL to the payment period (P/Y = C/Y) General Annuities

Due are annuities where payments are made at the beginning of

each period but the compounding period is NOT equal to the

payment period (P/Y C/Y).

payment period. Payments of $1000 each are made at the

beginning of each year for 3 years with interest at 5% compounded

annually. 1 2 3 (Focal Date) $1000 $1000 $1000 |__________|

__________| BGN, P/Y = 1, C/Y = 1 (Therefore this is a simple annuity

due) PMT= 1000 (+/-), N= 3, I/Y= 5, CPT = FV (3,310.13) Annuities

Due (Simple and General) Therefore, the future value at the end of

the last payment period is $3310.13 Example 2: A four-year lease

agreement requires payments of $10,000 at the beginning of every

year. If the interest rate is 6% compounded monthly, what is the

cash value of the lease? (Focal Date) Now 2 3 4 10,000 10,000

10,000 10,000 |_________|_________|________| BGN, P/Y = 1, C/Y = 12

(PY CY, therefore this is an general annuity due) PMT=

10,000(+/-), N=4, I/Y=6, CPT=PV (36,647.36) Therefore, the cash

value of the lease is $36,647.36

Practice Questions:

9.) What deposit made at the beginning of each month will

accumulate to 120,000 at 8% compounded semi-annually at

the end of 10 years?

by depositing 1000 at the beginning of each month. If

interest on the account is 5% compounded quarterly, for how

long does Laura have to deposit the money?

years into his savings account. For the next four years he did not

make any more deposits, leaving the money in the account. The

bank charges 4% interest compounded monthly.

Answers: 1) $656.40 2) n = 116.5/12 = 9.7 years 3) $4,404.70.

Hint: first step is to find balance [FV] after 2 years, which will

become the Present Value using the FV formula for compound

interest since PMT=0 for the last 4 years

More Examples:

interest formula method.

Finding the future value of an annuity into which periodic

payments are made means finding the amount of the annuity at the

end of the accumulation phase. This is similar to finding the future

value of a lump sum. The significant difference is that for each

interest period, more principal the annuity paymentis added to

the amount on which interest is earned. The simple interest formula

I = PRT is still the basis of calculating interest for each period of the

annuity.

HOW TO Find the future value of an ordinary annuity in the

accumulation phase

with periodic payments using the simple interest formula

method

1. Find the first end-of-period principal.

2. For each remaining period in turn, find the next end-of-period

principal.

(a) Multiply the previous end-of-period principal by the sum of 1

and the decimal equivalent of the period interest rate.

(b) Add the product from step 2a and the annuity payment.

3. Identify the last end-of-period principal as the future value.

For an ordinary annuity, no interest accumulates on the annuity

payment during the period in

which it is paid because the payment is made at the end of the

period. For the first period, this

means no interest accumulates at all.

set aside 2,0000 at the end of each year for the next 20 years and

it will earn 6% annual interest. What lump sum will she need to

set aside today at 6% annual interest to have the same retirement

fund available 20 years from now? How much more will Carolyn

need to invest in periodic payments than she will if she makes a

lump sum payment if she intends to accumulate the same

retirement balance?

c. Evaluation

Group yourselves by three (3). Solve these problems.

$600 annually into an ordinary annuity, how much money would

accumulate in

20 years at 3% compounded annually? How much at 5%?

25% tax bracket, what would be the net effect of investing at 8%

for

20 years if taxes on the earnings were paid from the

investment fund each year? How would this compare if no taxes

had to be paid, such

as in a tax-deferred annuity at 8% for 20 years?

d. Assignment

65 with $1,000,000. How much would she have to invest annually

assuming a 6% rate of return?

2. Jessica decides that 40 years is just too long to work, and she

thinks that she can do much better than 6%. She decides that she

wants to accumulate $1,000,000 by age 55 using a variable

annuity earning 12%. How much will she have to invest annually to

achieve this goal?

Do you think that 12% is a reasonable interest rate to use?

Why or why not?

Department of Education

Region III

DIVISION of PAMPANGA

BETIS HIGH SCHOOL

Guagua, Pampanga

Senior High School

Oct. 17, 2016 Week:______________ Quarter:_________________

Date:______________ 2nd

General Math 11 1st

Subject:____________ Grade:______________Semester:_______________

Topic: Proposition

Learning Competency:

M11GM-IIg-1. Illustrate a proposition

M11GM-IIg-2. Symbolizes a proposition

M11GM-IIg-3. Distinguishes a simple and compound proposition

Objective:

Define proposition.

Identify the symbols use in proposition

Distinguishes a simple and compound proposition

Materials:

Reference: Next Century Mathematics, General Mathematics

https://www.youtube.com/watch?v=OLGVhszBlq4

Procedures:

Z. Preparatory Activities:

Daily Routine

a. Prayer

b. Checking of attendance

c. Review: Logic

Motivation: Watch a video of Propositional Logic

https://www.youtube.com/watch?v=OLGVhszBlq4

Presentation:

Definition 1.1.1. A proposition is a declarative sentence that is

either true (denoted either T or 1) or false (denoted either F or 0).

Notation: Variables are used to represent propositions. The most

common variables used are p, q, and r. Discussion Logic has been

studied since the classical Greek period ( 600-300BC). The Greeks,

most notably Thales, were the first to formally analyze the

reasoning process. Aristotle (384-322BC), the father of logic, and

many other Greeks searched for universal truths that were

irrefutable. A second great period for logic came with the use of

symbols to simplify complicated logical arguments.

extinct. is a proposition.

proposition.

x + 2 = 2x when x = 2 is a proposition.

Definitions 1.3.1. Binary Operators

(a) conjunction: p and q, p q.

(b) disjunction: p or q, p q.

(c) exclusive or: exactly one of p or q, p xor q, p q.

(d) implication: if p then q, p q.

(e) biconditional: p if and only if q, p q.

http://www.math.fsu.edu/~pkirby/mad2104/SlideShow/s2_1.pdf

Actitivty:

compound proposition as a negation, conjunction, disjunction,

conditional, or biconditional.

b. Roses are red, but violets are blue.

c. You are entitled to a 30% discount if you are a member.

d. Roel was on time, but Tom was late.

e. Either he watches a movie or dines with his friends.

f. If it has an acute angle, then it is an acute triangle.

4. Application:

Give three examples of simple and compound propositions.

c. Evaluation:

Write five examples of simple and compound propositions.

d. Assignment:

Write an essay about your unforgettable experience as a grade

11 student using simple and compound proposition.

Department of Education

Region III

DIVISION of PAMPANGA

BETIS HIGH SCHOOL

Guagua, Pampanga

Senior High School

Oct. 18, 2016 Week:______________ Quarter:_________________

Date:______________ 2nd

General Math 11 1st

Subject:____________ Grade:______________Semester:_______________

Topic: Proposition

Learning Competency:

M11GM-IIg-1. Illustrate a proposition

M11GM-IIg-2. Symbolizes a proposition

M11GM-IIg-3. Distinguishes a simple and compound proposition

Objective:

Define proposition.

Identify the symbols use in proposition

Distinguishes a simple and compound proposition

Materials:

Reference: Next Century Mathematics, General Mathematics

https://www.youtube.com/watch?v=OLGVhszBlq4

Procedures:

AA. Preparatory Activities:

Daily Routine

a. Prayer

b. Checking of attendance

c. Review: Logic

Motivation: Watch a video of Propositional Logic

https://www.youtube.com/watch?v=OLGVhszBlq4

Presentation:

Definition 1.1.1. A proposition is a declarative sentence that is

either true (denoted either T or 1) or false (denoted either F or 0).

Notation: Variables are used to represent propositions. The most

common variables used are p, q, and r. Discussion Logic has been

studied since the classical Greek period ( 600-300BC). The Greeks,

most notably Thales, were the first to formally analyze the

reasoning process. Aristotle (384-322BC), the father of logic, and

many other Greeks searched for universal truths that were

irrefutable. A second great period for logic came with the use of

symbols to simplify complicated logical arguments.

extinct. is a proposition.

proposition.

x + 2 = 2x when x = 2 is a proposition.

Definitions 1.3.1. Binary Operators

(a) conjunction: p and q, p q.

(b) disjunction: p or q, p q.

(c) exclusive or: exactly one of p or q, p xor q, p q.

(d) implication: if p then q, p q.

(e) biconditional: p if and only if q, p q.

http://www.math.fsu.edu/~pkirby/mad2104/SlideShow/s2_1.pdf

Actitivty:

compound proposition as a negation, conjunction, disjunction,

conditional, or biconditional.

b. Roses are red, but violets are blue.

c. You are entitled to a 30% discount if you are a member.

d. Roel was on time, but Tom was late.

e. Either he watches a movie or dines with his friends.

f. If it has an acute angle, then it is an acute triangle.

4. Application:

Give three examples of simple and compound propositions.

c. Evaluation:

Write five examples of simple and compound propositions.

d. Assignment:

Write an essay about your unforgettable experience as a grade

11 student using simple and compound proposition.

Department of Education

Region III

DIVISION of PAMPANGA

BETIS HIGH SCHOOL

Guagua, Pampanga

Senior High School

Oct. 19, 2016 Week:______________ Quarter:_________________

Date:______________ 2nd

General Math 11 1st

Subject:____________ Grade:______________Semester:_______________

Topic: Proposition

Learning Competency:

M11GM-IIg-1. Illustrate a proposition

M11GM-IIg-2. Symbolizes a proposition

M11GM-IIg-3. Distinguishes a simple and compound proposition

Objective:

Define proposition.

Identify the symbols use in proposition

Distinguishes a simple and compound proposition

Materials:

Reference: Next Century Mathematics, General Mathematics

https://www.youtube.com/watch?v=OLGVhszBlq4

Procedures:

BB. Preparatory Activities:

Daily Routine

a. Prayer

b. Checking of attendance

c. Review: Logic

Motivation: Watch a video of Propositional Logic

https://www.youtube.com/watch?v=OLGVhszBlq4

Presentation:

Definition 1.1.1. A proposition is a declarative sentence that is

either true (denoted either T or 1) or false (denoted either F or 0).

Notation: Variables are used to represent propositions. The most

common variables used are p, q, and r. Discussion Logic has been

studied since the classical Greek period ( 600-300BC). The Greeks,

most notably Thales, were the first to formally analyze the

reasoning process. Aristotle (384-322BC), the father of logic, and

many other Greeks searched for universal truths that were

irrefutable. A second great period for logic came with the use of

symbols to simplify complicated logical arguments.

extinct. is a proposition.

proposition.

x + 2 = 2x when x = 2 is a proposition.

Definitions 1.3.1. Binary Operators

(a) conjunction: p and q, p q.

(b) disjunction: p or q, p q.

(c) exclusive or: exactly one of p or q, p xor q, p q.

(d) implication: if p then q, p q.

(e) biconditional: p if and only if q, p q.

http://www.math.fsu.edu/~pkirby/mad2104/SlideShow/s2_1.pdf

Actitivty:

compound proposition as a negation, conjunction, disjunction,

conditional, or biconditional.

b. Roses are red, but violets are blue.

c. You are entitled to a 30% discount if you are a member.

d. Roel was on time, but Tom was late.

e. Either he watches a movie or dines with his friends.

f. If it has an acute angle, then it is an acute triangle.

4. Application:

Give three examples of simple and compound propositions.

c. Evaluation:

Write five examples of simple and compound propositions.

d. Assignment:

Write an essay about your unforgettable experience as a grade

11 student using simple and compound proposition.

Oct 20 and 21 will be the finals of Senior High School. (see the

attach test paper for General Math)

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