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Mortgages & Home Ownership


Review and master real estate
terminology

Determine cost of financing a home
 down payments, closing costs, interest rate and points

Determine types of mortgages and
compare rates associated with each type

Analyze costs associated with home
ownership  depreciation, taxes, insurance and maintenance

Utilize online calculators





COMP 6 ~ ProblemSolving Applications – Use mathematical
procedures to analyze and solve business problems.


FIN 4 ~ Saving and Investing – Evaluate savings and
investment options to meet short and longterm goals.


FIN 5 ~ Buying Goods and Services – Apply a decisionmaking
model to maximize consumer satisfaction when buying goods and services.


MGT 8 ~ Technology and Information Management – Utilize
information and technology tools to conduct business effectively and
efficiently.


MST.C.01.PI.A.01 ~ MATHEMATICAL ANALYSIS ~ use algebraic and
geometric representations to describe and compare data.


MST.C.06.PI.F.02 ~ OPTIMIZATION ~ analyze subjective
decision making problems to explain the tradeoffs that can be made to
arrive at the best solution.


MST.C.07.PI.A.03 ~ CONNECTIONS ~ design solutions to
realworld problems on a community, national, or global scale using a
technological design process that integrates scientific investigation and
rigorous mathematical analysis of the problem and of the solution.






Evaluate deprecaition methods 
Straightline, Doubledeclining and sum of the years digits

Apply depreciation methods and
perform mathematical formulas associated with the various methods





COMP 1 ~ Mathematical Foundations – Apply basic mathematical
operations to solve problems.


COMP 2 ~ Number Relationships and Operations – Solve
problems involving whole numbers, decimals, fraction, percents, ratios,
averages, and proportions.


MST.C.01 ~ STUDENTS WILL USE MATHEMATICAL ANALYSIS,
SCIENTIFIC INQUIRY, AND ENGINEERING DESIGN, AS APPROPRIATE, TO POSE
QUESTIONS, SEEK ANSWERS, AND DEVELOP SOLUTIONS.


MST.C.07.PI.A.02 ~ CONNECTIONS ~ analyze and quantify
consumer product data, understand environmental and economic impacts,
develop a method for judging the value and efficacy of competing
products, and discuss cost/benefit and risk/benefit tradeoffs made in
arriving at the optimal choice.






Compare financial advantages and
disadvantage of buying vs renting a home

Recognize and evaluate the benefits
of home "equity"





FIN 1 ~ Personal Decision Making – Use a rational
decisionmaking process as it applies to the roles of citizens, workers,
and consumers.


FIN 4 ~ Saving and Investing – Evaluate savings and
investment options to meet short and longterm goals.


FIN 5 ~ Buying Goods and Services – Apply a decisionmaking
model to maximize consumer satisfaction when buying goods and services.


MST.C.07.PI.A.03 ~ CONNECTIONS ~ design solutions to
realworld problems on a community, national, or global scale using a
technological design process that integrates scientific investigation and
rigorous mathematical analysis of the problem and of the solution.





Auto Loans & Vehicle Costs


Utilize math skills to determine
rate of depreciation for a motor vehicle

Create mathematical formulas to
find average annual depreciation, resale and tradein value

Analyze costs associated with motor
vehicle ownership  depreciation, insurance, maintenance and state
licensing fees





COMP 2 ~ Number Relationships and Operations – Solve
problems involving whole numbers, decimals, fraction, percents, ratios,
averages, and proportions.


COMP 6 ~ ProblemSolving Applications – Use mathematical
procedures to analyze and solve business problems.


FIN 5 ~ Buying Goods and Services – Apply a decisionmaking
model to maximize consumer satisfaction when buying goods and services.


MST.C.01.PI.C.01 ~ MATHEMATICAL ANALYSIS ~ apply algebraic
and geometric concepts and skills to the solution of problems.


MST.C.01.PI.F.01 ~ SCIENTIFIC INQUIRY ~ use various means of
representing and organizing observations (e.g., diagrams, tables, charts,
graphs, equations, matrices) and insightfully interpret the organized
data.


MST.C.01.PI.G.02 ~ ENGINEERING DESIGN ~ identify, locate,
and use a wide range of information resources, and document through notes
and sketches how findings relate to the problem.






Establish the financial impact of
lease vs buying a motor vehicle (lack of equity, decreased value  unlike
real estate)

Develop spreadsheets and construct
formulas, tables and graphs to compare the financial impact of ownership
vs. rent/lease

Master the utilization of formula
construction

Perform mathematical formuals and
interpret results





FIN 1 ~ Personal Decision Making – Use a rational
decisionmaking process as it applies to the roles of citizens, workers,
and consumers.


FIN 5 ~ Buying Goods and Services – Apply a decisionmaking
model to maximize consumer satisfaction when buying goods and services.


MST.C.01.PI.C.01 ~ MATHEMATICAL ANALYSIS ~ apply algebraic
and geometric concepts and skills to the solution of problems.


MST.C.01.PI.F.01 ~ SCIENTIFIC INQUIRY ~ use various means of
representing and organizing observations (e.g., diagrams, tables, charts,
graphs, equations, matrices) and insightfully interpret the organized
data.


MST.C.06.PI.F.02 ~ OPTIMIZATION ~ analyze subjective
decision making problems to explain the tradeoffs that can be made to
arrive at the best solution.














Review and master terminology
associated with taxes





ECO 7 ~ The Role of Government – Analyze the role of
government in economic systems, especially the role of government in the
U.S. economy.


MST.C.01 ~ STUDENTS WILL USE MATHEMATICAL ANALYSIS,
SCIENTIFIC INQUIRY, AND ENGINEERING DESIGN, AS APPROPRIATE, TO POSE
QUESTIONS, SEEK ANSWERS, AND DEVELOP SOLUTIONS.






Determine property tax rates and
perform calculations to confirm applicable tax due

Find assessed value of property and
calculate property taxes due

Determine reasoning behind property
tax assessment





COMP 2 ~ Number Relationships and Operations – Solve
problems involving whole numbers, decimals, fraction, percents, ratios,
averages, and proportions.


COMP 6 ~ ProblemSolving Applications – Use mathematical
procedures to analyze and solve business problems.


ECO 7 ~ The Role of Government – Analyze the role of
government in economic systems, especially the role of government in the
U.S. economy.


MST.C.01.PI.C.01 ~ MATHEMATICAL ANALYSIS ~ apply algebraic
and geometric concepts and skills to the solution of problems.


MST.C.07.PI.A.03 ~ CONNECTIONS ~ design solutions to
realworld problems on a community, national, or global scale using a technological
design process that integrates scientific investigation and rigorous
mathematical analysis of the problem and of the solution.






Review the concept and relevance of
sales tax and how/by whom monies collected are utilized

Utilize sales tax tables to
practice completion of mathematical formulas

Interpret the results of formulas
and financial data





COMP 2 ~ Number Relationships and Operations – Solve
problems involving whole numbers, decimals, fraction, percents, ratios,
averages, and proportions.


COMP 6 ~ ProblemSolving Applications – Use mathematical
procedures to analyze and solve business problems.


ECO 7 ~ The Role of Government – Analyze the role of
government in economic systems, especially the role of government in the
U.S. economy.


MST.C.02 ~ STUDENTS WILL ACCESS, GENERATE, PROCESS, AND
TRANSFER INFORMATION USING APPROPRIATE TECHNOLOGIES.


MST.C.06.PI.E.01 ~ PATTERNS OF CHANGE ~ use sophisticated
mathematical models, such as graphs and equations of various algebraic or
trigonometric functions.






Review social security concepts and
terminology

Evaluate the FICA tax rate and how
it is divided and utilized/paid by whom

Calculate FICA tax rates for
employee, employer and selfemployed individuals

Interpret the results of formulas
and financial data

Review federal and state tax
terminology and affect on personal income

Determine income levels for tax
assessment

Utilize federal and state tax
tables to practice completion of mathematical formulas

Identify dependents and their
affect on income

Differentaiate between earned and
unearned income

Design a spreadsheet and create
formuals to calculate and recalculate tax due based on changing income
levels





COMP 2 ~ Number Relationships and Operations – Solve
problems involving whole numbers, decimals, fraction, percents, ratios,
averages, and proportions.


COMP 6 ~ ProblemSolving Applications – Use mathematical
procedures to analyze and solve business problems.


ECO 7 ~ The Role of Government – Analyze the role of
government in economic systems, especially the role of government in the
U.S. economy.


MST.C.01 ~ STUDENTS WILL USE MATHEMATICAL ANALYSIS,
SCIENTIFIC INQUIRY, AND ENGINEERING DESIGN, AS APPROPRIATE, TO POSE
QUESTIONS, SEEK ANSWERS, AND DEVELOP SOLUTIONS.


MST.C.01.PI.C.01 ~ MATHEMATICAL ANALYSIS ~ apply algebraic
and geometric concepts and skills to the solution of problems.


MST.C.01.PI.D.02 ~ SCIENTIFIC INQUIRY ~ hone ideas through
reasoning, library research, and discussion with others, including
experts.


MST.C.01.PI.F.01 ~ SCIENTIFIC INQUIRY ~ use various means of
representing and organizing observations (e.g., diagrams, tables, charts,
graphs, equations, matrices) and insightfully interpret the organized
data.


MST.C.02.PI.A.01 ~ INFORMATION SYSTEMS ~ understand and use
the more advanced features of word processing, spreadsheets, and
database software.




