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High School Business Math and Personal Finance | FLEX

In this course, students will learn to apply mathematical techniques to a wide range of business and personal finance problems, including applications of simple interest, compound interest and annuities and the mathematics of merchandising.
Mind over Math - Tutoring and Group Classes
Average rating:
4.9
Number of reviews:
(661)
Popular
Class

What's included

Class Experience

US Grade 9 - 12
In this course, learners will develop the ability to solve business problems using simple interest, compound interest and the mathematics of merchandising. This course would be ideal for students who are considering a career in business. However, this course would also be great for all students as they will learn to become financially literate adults and understand how interest works when they have their money in a savings account, when they purchase a car, take on a mortgage, save for retirement, and many other financial transactions. Students will learn to use a financial calculator to solve compound interest and annuity problems, a skill that will come in handy in their lives when making financial decisions. Students will have the option of purchasing the Texas Instruments BAII Plus Financial Calculator, or downloading the free app on their phone. 

***This is a flexible schedule class, there are no live classes***

I will post video classes each week and learners are free to progress through the learning at a time that is convenient for them. Students can message me at any time with questions from the homework or video classes and I will respond with a written or video explanation. There will be weekly homework problems assigned based on the material from the video class. Learners will also be working on a project were they are to design an investment portfolio. The class challenge will be to see who can design the portfolio which had the highest return on investment over the past 2 years. More details about the project/challenge to come in week 6 of the class. 

Below is a weekly breakdown of the topics we will cover:

Week 1: Simple Interest Basic Concepts

- calculating the interest amount, principal, rate, time and dates.
- moving money involving simple interest (maturity/future value and present value) and equivalent payments .

Weeks 2 and 3: Compound Interest Fundamentals 

- learn to use the financial calculator
- determining the future value, present value, interest rate, term of the loan or investment
- equivalent and effective interest rates

Weeks 4 and 5: Annuities

- fundamentals of annuities, types of annuities (ordinary/due, simple/general), annuities vs. single payments
- present and future value of annuities
- finding the payment amount, number of payments, term of the loan or investment, interest rates

Week 6: Leases and Budgeting and Investing

- payments, residual values, interest rates
- capitalize lease liability 
- credit score: what does and does not affect it
- budgeting process
- types of investments

Weeks 7 and 8: Merchandising

- discounts: types of discounts, single and multiple discount calculations
- invoicing: terms of payment and cash discounts
- markup: calculating markup dollars and markup percent, breakeven pricing
- markdown: setting the sale price

Other Details

Supply List
Students can either purchase the Texas Instruments BAII Plus Calculator or download the free BA Financial Calculator app on their phone.
External Resources
Learners will not need to use any apps or websites beyond the standard Outschool tools.
4.9
661reviews
Popular
Profile
Teacher expertise and credentials
Non-US Teaching Certificate
Mr. Peter Grafe
Non-US Teaching Certificate in Mathematics
Mr. Dylan Hartley
Non-US Teaching Certificate in Health/PE
Mr. Christian Calvelo
Non-US Teaching Certificate in Elementary Education
Ms. Melissa B
Non-US Teaching Certificate in Science
Ms. Olivia Pretty
Non-US Teaching Certificate in Secondary Education
Ms. Cheryl Morehouse
Non-US Teaching Certificate in Mathematics
Ms. Cheryl Morehouse
Master's Degree in Mathematics from York University
Mr. Peter Grafe
Master's Degree from University of Toronto
Ms. Melissa B
Master's Degree in Mathematics from McMaster University
Mrs. Sarah, MSc Math
Bachelor's Degree in Education from University of Calgary
Joyce Mendoza
Bachelor's Degree in Mathematics from Memorial University of Newfoundland
Mr. Anders Cornect
Bachelor's Degree in Education from University of Manitoba
Mr. Peter Grafe
Bachelor's Degree from University of Toronto
Mr. Gordon Farlie
Bachelor's Degree in Education from University of Toronto
Mr. Gordon Farlie
Bachelor's Degree from Mount Royal University
Ms. Kristen Calvelo
Bachelor's Degree in Civil Engineering from The University of Western Ontario
Patrick Benitez
Bachelor's Degree in Mathematics from Simon Fraser University
Ms. Roxana Eshghi
Bachelor's Degree in Mathematics from University of Toronto
Mrs. Anna Nicolaou
Bachelor's Degree in Education from University of Calgary
Mr. Dylan Hartley
Bachelor's Degree in Mathematics from University of Calgary
Mr. Dylan Hartley
Bachelor's Degree in Education from University of Lethbridge
Mr. Christian Calvelo
Bachelor's Degree in Music or Theatre or Arts from University of Lethbridge
Mr. Christian Calvelo
Bachelor's Degree in Mathematics from University of British Columbia Okanagan
Ms. Eliyah Brawdy
Bachelor's Degree in Science from University of Toronto
Mr. Nathan Castro
Bachelor's Degree in Mathematics from Simon Fraser University
Varpreet Dhaliwal
Bachelor's Degree in Education from Saint Francis Xavier University
Ms. Olivia Pretty
Bachelor's Degree in Science from Dalhousie University
Ms. Olivia Pretty
Bachelor's Degree in Mathematics from McMaster University
Mrs. Sarah, MSc Math
Bachelor's Degree from University of New Brunswick
Ms. Cheryl Morehouse
Bachelor's Degree in Education from University of New Brunswick
Ms. Cheryl Morehouse
ABOUT US

Here at Mind over Math, we specialize in one thing, and we do it well - that's math! We know that mathematics can be a subject that many struggle with, so our mission is to make sure that no learner is left behind. We provide the tools to help your learner succeed, putting them in the driver’s seat of their own education. Our learner-centered approach makes math make sense!

We are highly specialized in mathematics instruction. Our ‘Mind over Math Method’ is based on years of sound research in the education field as well as years of practical experience.
We know that learning is easier and more enjoyable when you have an excellent teacher. Our teachers are all highly qualified and passionate about the subjects they teach and bring this enthusiasm into their classes.

Mind over Math Learning Center is a one-stop shop for all your learner’s math needs! We offer semester long full curriculum classes, weekly 1:1 tutoring, one-time refresher classes, and so much more. We look forward to meeting your learners in our classes!

OUR TEACHERS

Mrs. Sarah Abu-Ramadan (Founder):

For Sarah, teaching learners and inspiring them to unlock their potential in mathematics is a passion and a way of life, not a job. Sarah completed her Master’s of Science in Mathematics and focused her research on Mathematics Education. She then combined her over 10 years of practical experience teaching with her research findings to create the ‘Mind over Math Method’. This method of teaching is a learner-centered approach, which puts learners in the driver’s seat of their education, empowering them to reach their full potential.


Ms. Olivia Pretty (Certified Teacher):

Coming to you live from Nova Scotia! It is here that I was born and raised, and eventually graduated from Dalhousie University with a Bachelor of Science in Chemistry. I’ve just completed a Bachelor of Education degree concentrating in Secondary Science and Mathematics from St. Francis Xavier University, and am a current classroom teacher. I have experience teaching at both the middle- and high-school levels, in addition to my several years of experience tutoring. My favourite part of being an educator is working with my students. It is a pleasure to get to know them personally, and an exciting challenge to find the most effective methods to support their learning. I've always enjoyed math, and it is my goal to make math more accessible and fun for students!

Mr. Patrick Benitez

I am a professional engineer, educator, and martial arts enthusiast and am excited to be joining the Mind over Math Learning Center team. 
I left the engineering field several years ago to pursue to my passion for teaching and mathematics which continues to be an extremely rewarding experience. 
I’ve taught in both formal classroom and tutoring settings for a combined 4 years to both adults (post high school) and children including all elementary (SK to Grade 8) and most high school levels. 
Outside of the classroom and since 2014, I continue to teach and work with children and adults as a martial arts instructor and as a President of a not for profit organization that enables families to practice martial arts. As a result of my experiences, including having had great role models for myself growing up, I know how important it is to have great teachers that inspire, guide, and appropriately challenge. 
I believe in the learner’s potential. My teaching philosophy is not to dictate, but to guide and instruct in a way that proves to you the capabilities you had all along. The outcome is one of self-confidence and improved skills that you can take with you beyond our classroom setting and subject matter. 
I look forward to meeting you in my class!

Mr. Nathan Castro:

Hey there, my name's Nathan. I finished my Bachelor's in Statistics, Computer Science, and Math at the University of Toronto, so I like to say my degree says I'm a certified nerd!
My introduction to formal teaching started in university, where I was a Teaching Assistant starting in my second year of studies. Leading tutorials (and even substituting for the professor in a few lectures) sparked my passion for teaching any and all subject material. I have taught University level math, statistics, and computer science courses in the past, but my passion lies in combinatorics and probability.
Since graduating, I've taught students aged 6 to 18, and continue to tutor university students in math and computer science. Using technology in the remote learning environment we have today is something I enjoy, and I believe we'll continue to find great ways to enhance the online learning process.
In my free time, I love to play video games, board games, and volleyball. I look forward to seeing you in my classroom!

Mr. Christian Calvelo (Certified Teacher)

Christian discovered his love for teaching when he was 17 years old as a private piano instructor. From there, he pursued a Business Management diploma from SAIT while tutoring Economics and went on to manage his own small business for 5 years. After gaining a breadth of knowledge in that field, Christian decided to get back into teaching and completed a three streamed degree (Kinesiology, Political Science, Sociology) as well as an Education degree from the University of Lethbridge.  
He has over a decade of teaching experience and has taught Math to students of all ages. Christian has a passion for teaching Mathematics as he loves bringing a real-world connection to his students. He believes that finding ways to make learning fun is important for students to find passion and reach their full potential. 
Outside of the online classroom, Christian teaches Elementary students, continues to teach Piano and Guitar, is a certified basketball referee, and loves to collect pinball machines.

Varpreet Dhaliwal

Hi there, my name is Varpreet Dhaliwal, and I am an experienced math tutor with a passion for helping students succeed in their academic pursuits. I have been tutoring for six years and have developed a keen sense of how to help students grasp even the most challenging math concepts.
I earned my Bachelor's degree in Mathematics and Computer Science with a minor in Education and Curriculum from Simon Fraser University (SFU). My love for education and teaching has led me to pursue a Master's degree in Computer Science, which I am currently working towards.
In addition to my tutoring experience, I am also a Teaching Assistant at SFU, where I have worked with students in various math courses. This experience has given me a strong understanding of the curriculum and course requirements, allowing me to tailor my tutoring sessions to meet the needs of each individual student.
In my free time I enjoy playing chess, and making games. I hope that I can help my students succeed in their courses by making the challenging topics a bit easier to understand.

Ms. Melissa Barrow (Certified Teacher)

My name is Melissa Barrow. I am a former early childhood educator and I'm currently a certified elementary teacher in Ontario, Canada. I am a former classroom teacher who has moved to 1-on-1 and small group online classes to help further support students who need it. I enjoy finding new strategies and games to engage students in their learning. I like to support students in learning how to use the resources around them to help support their learning and further their independence.


Ms. Sanya Charles-Herrera 
(Certified Teacher)

Sanya Charles-Herrera is an OCT certified Intermediate/Senior Math Teacher & Wellness Coach with almost 20 years of classroom teaching experience. Her teaching style is clear, compassionate & engaging; and premised on the belief that the purpose of education is teach an individual to think critically and expansively, while cultivating a mindset for creativity and resiliency. In addition, Ms. Charles-Herrera integrates differentiated teaching models in her teaching practice to ensure that each student is able to connect with the curriculum in a manner that honours their unique style of learning. 

A life-long learner, passionate about how to unlock latent human potential, Ms. Charles-Herrera's philosophical perspective in life is that each individual has the capacity to access and realize their highest potential, In an effort to support others to be able to achieve this, Ms. Charles-Herrera founded the ICx Centre of Inner Engineering where she offers MindSet & Resiliency Coaching by merging the Science of the Mind, Learning and Wellness in order to educate, empower and connect each individual to their Inner Genius.


Ms. Anna Nicolaou

Anna graduated with an Honours Bachelor's Degree of Science from the University of Toronto with a Mathematics major, with minors in Finance and Statistics. She has also obtained a postgraduate certification with a Marketing Specialization. She has worked as an instructor with the Great Lakes College of Toronto and the University of Toronto, Department of Mathematics. Anna aims to convey course materials in an effective and efficient manner through mastery-based learning strategies whether the goal is to obtain skills in Mathematics, Statistics, Economics, Finance, or Marketing.


Michelle Chua 
(Certified Teacher) 

Hello there! I'm Michelle, and I'm thrilled to share a bit about myself with you. 🌎

After earning my teaching certificate at the University of Toronto, I made a life-changing decision to teach abroad. For the past 9 years, I've had the incredible privilege of teaching abroad, calling Mexico, Venezuela, and Kazakhstan my homes at various times. This journey has not only allowed me to impact young minds but also explore over 30 amazing countries, each with its own unique culture and language. Learning about new cultures and languages is truly a passion of mine. 🌍

During my time abroad I completed a Master's degree in Mathematics Education from the University of Western. Math, to me, is like a fascinating puzzle waiting to be solved. I love showing my students that math can be a visual subject by using tools like bar models and number lines to help them visualize abstract concepts 🧮

I can't wait to meet you in class and embark on this exciting learning adventure together! 📚

See you soon! 👋

Mr. Peter Grafe 
(Certified Teacher)

Hi everyone. My name is Peter Grafe. I am an experienced math teacher from a wide variety of settings from the cold of Churchill, Canada to Bermuda and Kenya. Along with that international experience, I also have used a variety of math curricula, from the IB, the IGCSE, and one AP course. It was in an American-based school in Nairobi that I surprisingly grew to love my geometry class there! My first degree from University of Manitoba was in Education with a double major in Mathematics and Physics. After teaching a while, I got a Master of Arts in Mathematics from York University. That mention of physics brings me to one of my passions: it never ceases to amaze me how the language of the universe is written with math. One of the enduring comments by those who observed my teaching was that I am an enthusiastic teacher. I do hope this is clearly evident as we interact.

Ms. Roxana Eshghi

Roxana began tutoring as a peer tutor at Western Canada High School, in Calgary, tutoring her own
classmates. She so enjoyed hanging out with her friends, in the cafeteria, after school, helping them
with their lessons, that she chose to tutor again, whilst studying towards her B.Sc. in Mathematics from
Simon Fraser University. She continues to tutor in-person, in the Metro Vancouver area, and is excited
to now be working online, as well. She focuses mainly but not exclusively on tutoring high school math
and physics. Her goal is to help her students enjoy and appreciate the beauty of these subjects as they
learn and gain confidence in their ability to succeed in their classes.

Ms. Joyce Mendoza
(Certified Teacher)

Hello, my name is Joyce.  I received my Bachelor of Education from the University of Calgary specializing in Elementary Mathematics with a minor in Anthropology as I also enjoy learning about different cultures and societies.  In addition, I have experience in Early Childhood Education and have worked with children with a wide range of different learning abilities.  With over 15 years in the field of Education I believe that students maximize and enjoy learning when they realize they can apply what was learned in the classroom to their everyday lives outside the classroom to make their educational journey that much more meaningful.

 It is my goal to make learning math an interactive and enjoyable experience while providing support to each and every student.

Outside of the math classroom, I also teach piano and love spending time outdoors with my family, especially with my kids.  We enjoy going on long drives away from the city and frequently visit the mountains and go hiking, kayaking and sightseeing.

Ms. Eliyah Brawdy

Hello, my name is Eliyah! I am a dynamic individual and experienced tutor, I hope to make math enjoyable and accessible for you. With a degree in Mathematics from UBCO and over two years of tutoring experience, I've helped countless students conquer math and achieve their academic goals.  I’m happy to work with student from elementary to university-level math, test preparation to homework help, I enjoy teaching math and working with students on their individual needs and preferences. I look forward to working with you!

Mr. Gordon Farlie 
(Certified Teacher)

My name is Gordon Farlie and I have been a teacher for 30 years and have tutored math and science for the past 20 years both in person and online.

My educational background consists of a degree in Electrical Engineering, Bachelor of Education plus an honour’s specialist in Physics. In addition, I am both an Ontario and British Columbia certified teacher.

In addition to my regular teaching duties, I have taught gifted programs and online courses, prepared students for provincial Science Olympics, and have worked with Peel Police in Ontario to develop an integrated program based upon accident reconstruction (view the condensed video from Youtube by typing in “Worlds Collide and Peel Police.”) 
In my free time I love to keep up with the latest news in astronomy, watch science fiction shows and spend time with my family and two adorable dogs.

My tutoring philosophy is student centred. I wish to first understand the needs of my students and their goals. From there I can use my vast knowledge and experience to design the best approach to help the student become academically successful. I always try to use manipulatives wherever possible and insert real world applications to the curriculum. I address the WHY we learn a skill or method and then proceed to explain the HOW to use that skill or method.

I am a strong advocate of frequent communication between myself, students and parents to ensure that whatever issues arise they are quickly addressed.

I look forward to supporting your child in achieving their present and future academic goals.


Mr. Dylan Hartley
(Certified Teacher)

Hi everyone! My name is Dylan, and I am a high school mathematics educator based out of Alberta. I have over a decade of experience with teaching and tutoring math, and I am excited to be joining the Math over Mind Learning team! I have a Bachelors of Science in Mathematics and a Bachelors of Education in Secondary School Mathematics both from the University of Calgary. Having taught online, as well as completing my education degree in a hybrid setting, I understand the importance of virtual education. 

My goal is to create self-empowered learners who can problem solve, critically think, and develop resiliency when faced with a challenging task. I want to give you the tools to apply any concept to any problem, focusing on the process, not just the solution.

Other than teaching, some other passions of mine include basketball, football, playing guitar, and bbqing. I look forward to meeting you!


Ms. Cheryl Morehouse
(Certified Teacher)

I was born and raised in the small community of Geary which is located just outside the capital city of Fredericton, NB.  I began my teaching journey in high school when I started teaching private piano lessons to young pianists. I also enjoyed lending a helping hand to my classmates with their coursework.  I discovered through these activities that teaching was my passion because I enjoyed seeing the progress made as each topic is mastered.  I have a B.A. and a B.Ed. from the University of New Brunswick with majors in Mathematics and French Literature and a minor in Fine Arts (Music).  

I continued my love of teaching while attending university through working at the UNB Music Camp as a counsellor and an administrator, working as a tutor at the UNB Math Help Centre, and by continuing to teach piano students.  I also pursued music through my study of the clarinet which led me to many solo and ensemble performances and to playing with the New Brunswick Youth Orchestra and the Bathurst Community Concert Band today.  

Following university, I travelled to Leeds, England where I taught grades 4 through 12.  My first Canadian teaching position was in Gambo, Newfoundland where I taught Mathematics to students from Grades 8 through 12.  Wanting to return to my roots and my family, I moved back to New Brunswick, and I settled in Bathurst.  I taught Mathematics, Science and Social Studies at the high school and at the middle school here for several years.

While teaching, I pursued advanced studies at the University of Phoenix in Educational Technology and Special Education (Exceptional Learners). This led to joining the New Brunswick Virtual Learning Centre (NBVLC) Distance Education program with the Department of Education and Early Childhood Development (EECD) where I have been since 2016. Here I am primarily teaching mathematics to Grades 9 through 12 students.  This position has allowed me to work with students across the province, and Prince Edward Island who are unable, for a variety of reasons, to take these courses in person at their community schools.

I love working with students and seeing the spark ignite when they realize that they can indeed do the subject material.  It is rewarding to help a student understand that missing piece of the puzzle because often it is something small that was misunderstood and once that has been remedied, students see success. My colleagues say I have a gift for explaining concepts clearly and concisely and I truly care about my students.  I look forward to working with you on your math journey!


Mr. John-Mark Fortier

Hi there! I'm John-Mark Fortier, and I'm passionate about making math fun and accessible for everyone. With over 7 years of experience teaching and tutoring mathematics, I've had the pleasure of helping students of all ages and backgrounds excel in their math studies.

I hold a Master of Science in Mathematics from Concordia University in Montreal, where I also completed  the course work of a Master's in The Teaching of Mathematics. My teaching approach focuses on creating a welcoming and supportive environment where students feel empowered to explore mathematical concepts without fear of failure.

Whether I'm teaching college-level courses like Calculus and Linear Algebra or assisting students with precalculus, my goal is always the same: to help students understand the underlying principles and problem-solving strategies, rather than relying on rote memorization.

I've had the opportunity to work with diverse student populations, including individuals in failed standing, those with mental health issues, and learning disabilities. By adapting my teaching methods to meet the needs of each student, I've been able to help them achieve their academic goals and build confidence in their mathematical abilities.

I believe that everyone has the potential to excel in math, and I'm here to help you unlock that potential. Let's work together to make math not only understandable but enjoyable too!


Ms. Kristen Calvelo

Hello, my name is Kristen. Starting out as an educational assistant, I gained a love for working with children and helping them develop confidence and find excitement in fully embracing their academic potential. Following my time as an educational assistant, I pursued one of my many other passions, interior design. After receiving my Bachelor of Interior Design degree and working in the industry for several years, I’m ready to get back into instilling confidence in young learners’ abilities!
Making learning relevant, meaningful, and enjoyable for my students is of utmost importance, as motivated and excited students make the best learners.

Outside of teaching, I enjoy baking, getting outside when I can, and spending quality time with my husband and our many pets. I hope to see you in my class!


Anders Cornect

Hello! My name is Anders (On-ders), and I am a mathematical research student that aims to share my lifelong love of math with others wherever I can. In 2024, I received my BSc. (Hons) in pure mathematics and a minor in computer science from the Memorial University of Newfoundland, before beginning my Master's degree in Computational Mathematics at the University of Waterloo in the Fall. Along the way, I have picked up valuable tutoring experience and have given many presentations at conferences and events for my mathematical research. Between my experience and my love of public speaking, I am extremely confident in my ability to help others understand mathematical concepts at a deeper level than they ever thought possible. My goal as an instructor is to discourage rote memorization, and instead instill a habit of truly understanding the given materials through practice and open discussion. Outside of math, in my spare time, I love to journal, play board games (my favourite is Scrabble) and sculpt... when I'm not studying, of course!

Thank you, and I hope to see you in my class.


Nolan Shelley

Hi everyone, my name is Nolan! I have been tutoring math, physics and chemistry part time for the past seven years, while pursuing a career in genomics research. I completed a B. Sc. in physics with a minor in mathematics before switching career paths and completing my M. Sc. in botany. My work as a teaching assistant during this degree really sparked my love for teaching, so much so that I decided to take up tutoring in my spare time, and I have not stopped since.
I work with students and parents to identify their aptitudes and goals, and adjust my teaching style accordingly. I aim to provide students with a visual understanding of mathematical concepts and step-by-step approaches to solving problems they encounter in the classroom and real world.

In my spare time, I enjoy playing competitive rugby and chess. I also take on many coding projects in my capacity as a genomics researcher. I look forward to helping you reach your educational goals in mathematics.

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Live Group Class
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$12

weekly or $96 for 8 weeks
8 weeks

Completed by 9 learners
No live video meetings
Ages: 13-18

This class is no longer offered
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