District 11 Educational Support Services
Mathematics


Consumer Math 1: Overview
Course Number: MA.CONS1

Overview
This course is designed to meet the needs of a young adult in the realm of consumer mathematics. Major topics include budgeting, housing, banking, income tax, insurance, credit, and investments. The course is divided into two non-sequential semesters, so students may take either one or both. A student may not receive math credit for both Consumer Math and Business Math. This course will not satisfy college entrance requirements (CCHE). Calculators are recommended for this course. 
Prerequisite: None
Course Length: 2   Period Length: 1   Grade Level:  11-12   Credit per Semester: 1
Additional Credit Information: Credit per Semester: 1.0 (Math requirement or Elective)

Enduring Understandings - important ideas that students should carry with them years beyond the instruction received this year.

  • Mathematics is a tool for communication.
  • It is essential to be able to communicate the reasoning used to solve problems.

  • Mathematics incorporates multiple problem solving strategies.

  • Numbers have multiple representations and give value.

  • Discerning patterns is a way of understanding numbers.

  • Informed decision-making is dependent upon the ability to understand data.

Essential Questions - most important “big picture” questions students should be able to answer after completing learning activities.

  • What is involved with setting up and managing a household budget?
  • Why is a retirement plan important, how, and when should they be set up?
  • How can consumers avoid bad credit ratings, and what resources are available to people who have a high dept ratio?
  • What investment and stock market strategies can be used to increase someone's net worth?

CSAP Standards: Highest Frequency High Frequency Other Standards and E-Skills

Standard 1:  (Number Sense)  Students develop number sense and use numbers and number relationships in problem solving situations and communicate the reasoning in solving these problems.
1.1 Use exponents to show how many times a base are used
1.2 Read and write large whole numbers. Read, identify, and utilize place value with large numbers.  Locate decimal values on a number line

Standard 2: (Algebra and Functions) Students use algebraic methods to explore, model and describe patterns and functions involving numbers, shapes, data, and graphs in problem-solving situations and communicate the reasoning used in solving these problems.
2.1 Recognize, extend and use geometric, numeric, linear, or visual patterns to solve a problem.  Using the rule for a pattern to represent it in a table, graph, and problem solve.  Recognize an equation that models a given situation.
2.5a Solve simple equations
2.5b Translate English expressions and algebraic expressions
2.2 Recognizing, describing, and extending a pattern and function using tables and graphs in a problem solving situation.  Using a table to find a constant/unit rate.
2.5 Substituting in a formula to compute a value. Solving a simple linear equation in a problem solving situation. Using a linear function given in a context to solve a problem.

Standard 3: (Statistics and Probability) Students use data collection and analysis, statistics, and probability in problem-solving situations and communicate the reasoning used in solving these problems.
3.1a Construct a histogram and stem-and-leaf plot
3.1b Read, interpret and draw conclusions from histograms and stem-and-leaf plots
3.1b Read, interpret and draw conclusions from circle graphs
3.1 Read, interpret, and draw conclusions from line graphs, bar graphs, histograms, and circle graphs

Standard 4: (Geometry) Students use geometric concepts, properties, and relationships in problem-solving situations and communicate the reasoning used in solving these problems.
4.5b Solve problems involving area of circles, triangles, and parallelograms
4.5c Solve problems involving surface area of rectangular prisms
4.6a Reflect, translate, and rotate figures to determine congruency

Standard 5: (Measurement) Students use a variety of tools and techniques to measure, apply the results in problem-solving situations, and communicate the reasoning involved in solving these problems.
5.4a Solve problems involving area of trapezoids, regular hexagons, and regular octagons

Standard 6: (Computation) Students link concepts and procedures as they develop and use computational techniques, including estimation, mental arithmetic, paper-and-pencil, calculators, and computers, in problem-solving situations and communicate the reasoning involve
6.2 Order of Operations (Parenthesis, Exponents, Multiplication and Division, Addition and Subtraction; PEMDAS Adding, Subtracting, Multiplying and Dividing with whole numbers, exponents, decimals, fractions, mixed numbers, and integers.
6.2 Recognize format of equations with one or more variables. Introduce 1 step equations

Sample Units

District 11 Diamond Units/Lessons Overview - includes information about the purpose, goals and structure of these sample instructional units:

Resources
Financial Football - an interactive Web-based game that reviews economic terms and important concepts. When played as a class using an InterWrite Board, the classis divided into two teams and Team Captains respond on the Board with team members' suggestions. Students can also play in pairs at a computer station for individualized support. Students in this course should choose the standard play option. The game requires a Flash plugin.

Parents

Play Financial Football with your high schooler. It will allow you to share your knowledge of consumer math concepts with you young adult. The game requires a Flash plugin.

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