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#### Interactive Math Practice

### Martinez Money Message: Personal Finance Math Class for High School Kids Flex

Brooke Martinez

In this 12-week course, students will use Nearpod and Escape Rooms to learn about various personal finance math topics through videos, articles, fun interactive activities, and an exit ticket at the end of each lesson.

#### Class Experience

###### US Grade 9 - 12

In this 12-week course, students will use Nearpod and Escape Rooms to learn about various personal finance math topics through videos, articles, fun interactive activities, and an exit ticket at the end of each lesson. There will be 5 lessons per week and I will release a new lesson link each day. This course will be filled with hands-on learning! My course is a great way to prepare students for the math behind their own finances! Many learners start with little knowledge about handling...

Week 1: Gross Income -Calculate straight-time pay -Calculate overtime pay -Calculate total pay -Calculate total pay on a piecework basis -Determine salary per pay period -Calculate straight commission and determine gross pay Week 2: Net Income -Determine the amount withheld for federal income tax -Compute state taxes on a straight percent basis -Compute the amount withheld for Social Security and Medicare taxes -Calculate the deduction for group insurance -Calculate net pay per pay period Week 3: Recordkeeping -Compute the average monthly expenditure -Use records of past expenditures to prepare a monthly budget sheet -Compare the amount budgeted to actual expenditures -Explain how budgeting can be used to reach your financial goals -Create a salary-based budget Week 4: Checking Accounts -Compute the total checking account deposit -Write a check -Calculate the balance in a check register -Calculate the current balance on a checking account bank statement -Reconcile a check register with a bank account statement -Compute online banking charges and update the check register Week 5: Savings Accounts -Complete a savings account deposit slip and compute the total deposit. -Fill out a savings account withdrawal slip -Compute the new balance of a savings account statement -Calculate simple interest and the amount -Determine the compound interest and the amount -Calculate the interest for daily compounding Week 6: Cash Purchases -Compute sales tax -Calculate the total purchase price -Determine the unit price -Find the best buy based on unit price -Calculate an item’s final price after using a coupon or receiving a rebate -Find the dollar amount of the markdown -Compute the sale price when the markdown rate is known Week 7: Charge Accounts & Credit Cards -Correctly use the three basic components of a loan: principal, interest rate, term -Differentiate between amortized installment loans and revolving credit lines -Calculate the new balance on a charge account -Compute the finance charge by using the unpaid-balance method -Compute the finance charge based on the average-daily-balance method-new purchases included Week 8: Loans -Compute the maturity value and interest rate of a single-payment loan -Calculate the down payment and the amount financed on an installment loans -Calculate the monthly payment, total amount repaid, and finance charge on an installment loan -Calculate the payment to interest, payment to principal, and new balance -Compute the final payment when paying off an installment loan -Determine the annual percentage rate of a loan using a table and a formula Week 9: Vehicle Transportation -Compute the sticker price of a new vehicle -Calculate the dealer’s cost of a new vehicle -Calculate the average retail price or wholesale price of a used vehicle -Use tables to compute the annual premium for vehicle insurance -Compute the total cost per mile of operating and maintaining a vehicle -Calculate the total cost of leasing a vehicle -Calculate the cost to rent a vehicle and the cost per mile to drive a rented vehicle Week 10: Housing Costs -Compute the mortgage loan amount -Use a table or formula to determine the monthly patent, the total amount paid, and the total interest charged -Calculate the total closing costs -Compute the allocation of the monthly payment to principal and interest and the new principal -Calculate the assessed value and real estate taxes for a home -Determine the amount of coverage for homeowners insurance -Calculate the average monthly cost of renting a home, and compare the total costs of renting to the total costs of owning a home Week 11: Insurance -Compute health insurance premiums -Calculate the amount the patient pays for health care -Utilize tables to compute the annual premium for term life insurance -Apply tables to data to compute the annual premiums for three types of life insurance Week 12: Investments -Calculate the total cost of a stock investment -Calculate the profit or loss from a stock sale -Compute the annual dividend and annual yield of a stock investment -Compute the loading charge, number of shares purchased, and profit or loss when you sell a mutual fund -Compute the annual interest and annual yield of a bond investment -Compute the required minimum distribution and the penalty for early withdrawal from an individual retirement account

I am from the United States and have been teaching various business, marketing, and finance courses for 13 years. I have taught both at the high school and collegiate level. I teach both in person and online but online is my favorite! I have a Bachelor's degree in Marketing and Business Information Technology Education, a Masters in Business Administration and a PhD in Online Education. I am very excited to work with all of you through Outschool!

## Homework Offered

## Assessments Offered

## Grades Offered

#### Available times

Pacific

#### Meet the teacher

Hi! I'm Dr. Brooke. I'm from Utah (United States). I teach business classes both face to face and online. I've been teaching Financial Literacy, Marketing, and Business Classes for 15 years. I have a Bachelors degree in Marketing and Business...

###### Flex Class

#### $13

weekly or $150 for 12 weeks12 weeks

Average rating:5.0Number of reviews:(2)

Completed by 3 learners

No live video meetings

Ages 14-18

1-12 learners per class