Consumer Math - Alpha Omega Academy

Consumer MathConsumer Math is an introduction to the mathematics that is used in everydaylife. This practical course teaches math through real-world examples andemphasizes problem solving skills in the areas of personal finance, budgetingand statistics, taxes and insurance, banking and investments, purchases andsales, vacationing and retirement, and a host of job-related topics. It is a tenunit course with two projects.Course Highlights1. Keep up with your daily lesson plan. If you fall behind, work hard tocatch up the next day or if you know you will be gone you can workahead of the schedule.2. In this course, there is a project in Unit 2(College Budget) and Unit 7(Buying a Truck). Open them early to see what is required. Theseprojects may take extra time to complete and must be submittedbefore the unit tests will be unblocked.3. A scientific calculator is needed, either hand-held or on computer.Grading ScaleA+ 98.00-100%A 93.00-97.99%A- 90.00-92.99%B+ 88.00-89.99%B 83.00-87.99%B- 80.00-82.99%C+ 78.00-79.99%C 73.00-77.99%C- 70.00-72.99%D+ 68.00-69.99%D 63.00-67.99%D- 60.00-62.99%F 0-59.99%ResourcesAcademy SupportGlossary andCredits/ ResourceCenterOnline ClassroomIf you need help you may send a message to your teacher using the messagingsystem or call 877-543-0148 to speak with a teacher on the phone.Each unit contains a Glossary and Credits section with important formulas anddefinitions. This is a useful section to read and study. Study guides, solutionkeys, and help videos can be found in the AOA Virtual Campus Resource Center(http://www.aoacademy.com/kb/?c=130).Watch for online classrooms that cover topics in this course. Attend anysessions that you are able to fit into your schedule. An online classroomschedule is sent via email each week. This email contains information on theonline classrooms offered, the date and time they are available, and how toconnect. Online classrooms may count towards participation project credit.Assignment Weightingper UnitLessons: 10%Quizzes: 20%Projects: 40%Tests: 30%If required, participationprojects account for 5% ofthe total course grade.Academic PoliciesProjects will be graded in the order that they are received.All projects within a unit must be completed prior to the test being unblocked.You may ask for an alternate test to be assigned.This will be averaged with the original test score.1

Course OutlineUnit 1: Basic Math ReviewAssignments1. Reference: Course Overview 16. Consumer Applications2. Introduction 17. Quiz 3: Operations With Fractions3. Number Skills 18. A Ratio Scale, Decimals, and Number Bases4. Signed Numbers and Measurement Scales 19. Operations and Decimals5. A Consumer Application 20. Consumer Application, Metrics6. Division Review 21. Quiz 4: Decimals7. Quiz 1: Basic Operations 22. Percent8. Prime Numbers and Factors 23. Base, Rate, Percentage9. Factors and Products 24. Problem Solving10. Fractions, LCM, and GCF 25. Quiz 5: Percent11. Fractions 26. Mental Problem Solving12. Quiz 2: Fractions 27. Final Review13. Adding and Subtracting Fractions 28. Test: Basic Math Review14. Multiplying and Dividing Fractions 29. Reference15. Operations with Mixed NumbersUnit 2: Personal FinanceAssignments1. Money 11. Other Deductions2. Finding a Job 12. Quiz 2: Wages3. Job Skills: Using Standard Units 13. Project: College Budget4. Job Skills: Using Metric Units 14. Self-Employment: Piecework5. Converting Systems 15. Commission and Tips6. Quiz 1: Job Skills 16. Retirement Planning7. Part- and Full-Time Jobs 17. Quiz 3: Other Income8. Wages 18. Story Problems with Review9. Payroll 19. Test: Personal Finance10. Payroll Deductions 20. Reference2

Unit 3: StatisticsAssignments1. Home Budget 12. Using the Standard Normal Distribution2. Organizing Data 13. Z-Scores and the Normal Distribution3. Sets and Probability (I) 14. Quiz 3: Measures of Variation4. Sets and Probability (II) 15. Sampling and Estimation5. Representing Data 16. A Balance Sheet6. Quiz 1: Data 17. Quiz 4: Balance Sheet7. Preparing a Cash Budget 18. Confidence Intervals8. Using Records in Planning 19. Unit Review9. A Home Business Application 20. Test: Statistics10. Quiz 2: Records 21. Reference11. Planning with Measures of VariationUnit 4: Taxes and InsuranceAssignments1. Life Insurance 9. Taxes: State2. Premiums 10. Quiz 2: Withholding3. Loans and Cash Value 11. Taxes: Local4. Health Insurance 12. Taxes: Other5. Other Insurance 13. Quiz 3: Taxes6. Quiz 1: Insurance 14. Revew7. Taxes: Federal 1040 15. Test: Taxes and Insurance8. Taxes: FICA 16. ReferenceUnit 5: Banking Services and InvestmentsAssignments1. Selecting a Bank 12. Bonds2. Checking Accounts 13. Mutual Funds3. Savings Accounts 14. Quiz 3: Investments4. Quiz 1: Accounts 15. Wills and Estates5. Reconciling Statements 16. Distributing an Estate6. ATM’s 17. Quiz 4: Estate Planning7. Simple and Compound Interest 18. Review8. Other Services 19. Test: Banking Services and Investments9. Quiz 2: Services 20. Course Survey10. Financial Planning 21. Reference11. Stocks3

Unit 6: Banking and Credit CostsAssignments1. Overdraft Protection 9. Quiz 2: Mortgages2. Financing Large Purchases 10. Sequences, The Rule of 783. Interest First Loans 11. Credit4. Installment Loans 12. Credit Card Purchases5. Quiz 1: Loans 13. Quiz 3: Credit6. The Annual Percentage Rate 14. Review7. Automobile Loans 15. Test: Banking and Credit Costs8. Mortgages 16. ReferenceUnit 7: Purchase and Sale of GoodsAssignments1. Purchasing and Variables 12. Quiz 3: Graphing and Comparing2. Discounts 13. Tabular Data Interpretation3. More Discounts 14. Depreciation Trends4. Markup 15. Buy, Lease, Rent (I)5. Quiz 1: Discounts and Markup 16. Buy, Lease, Rent (II)6. Graphs and Trends 17. Project: Buying a Truck7. Cost Per Unit 18. Advertisements8. Tables as Variables 19. Quiz 4: Interpreting Data9. Quiz 2: Graphs and Tables 20. Review10. Graphs, Functions, Slope 21. Test: Purchase and Sale of Goods11. A Comparison Technique 22. ReferenceUnit 8: Leisure, Travel, and RetirementAssignments1. Leisure 9. Vacations2. Free Activities 10. Quiz 2: Fitness and Vacations3. Hobbies 11. Retirement Planning4. Angles 12. Comparing Travel Cost Benefits5. Outdoor Activities 13. Quiz 3: Retirement and Comparing6. Transportation and Travel 14. Review7. Quiz 1: Leisure and Travel 15. Test: Leisure, Travel, and Retirement8. Physical Fitness 16. Reference4