## Thursday, May 28, 2009

so in class today we went over some of last nights homework, and some of the homework on periodic functions a couple days before we learned sequences. the unit periodic functions, well lets say I'm the brightest in that unit. i still don't get the whole concept. so I'm going to try and explain how to answer one of the questions we did for homework.

EXAMPLE

Jud was working with a sinusoidal data, but lost all of it except for two points. A maximum point was (3, 13) and a minimum point next to it was (7, 1). Write a sinusoidal equation that matches Jud's data.

This is the sine formula
f(x) = AsinB( x - C ) + D

What does this formula mean?

"check Lamael's most recent post to find out what it means"

To help you write a sinusoidal equation, the best way is to draw what information that has been given to you.
In this question the maximum point is (3,13) and the minimum is (7,1)

what does this mean? remember in grade like 9, when the the first number would tell us the point on the X- axis and the second would be on the Y -axis? well this is exactly that.

this is how your drawing should look like.

After your done that, you figure out what the sinusoidal axis is. Sinusoidal axis equals the average and that average equals out to be your D in the sine formula.

the sinusoidal axis usually lays on the y -axis creating a straight line in between the minimum and maximum point.

In this case the minimum point is 1 and the maximum is 13. Add those two numbers up and divide by 2 and you get the sinusoidal axis which is equal to 7.

So now we got the sinusoidal axis. having that we can figure out the amplitude or A in the sine formula. The amplitude is the distance from sinusoidal axis to a maximum or minimum point.

In this case, we would subtract our sinusoidal axis from a minimum or maximum point. Here, our sinusoidal axis is 7 so we subtract that from our maximum which is 13 and get a difference of 6 which is equal to our A in our sine formula.

This is how our graph looks like now.

Why does the graph look like this your wondering? remember were dealing with periodic things, so it always goes up and down at a steady pace. like a bug on a wheel.
where did the 11 come from? well on the x - axis the points are going up by 4 so you add another 4 to 7 and you get 11.
the two variables were missing now is B and C.

Lets find B. B in our sine formula is NOT the period it determines the period according to this formula.

PERIOD = 2Pi/B OR B = 2Pi/PERIOD

The period is the difference between two maximum points. In this graph the maximum points are always at 13. At point 3 on the X - Axis the graph is at its maximum point and as you keep going down the line on the X - axis to find the next maximum point you find it to be 11. The difference between 3 and 11 is 8. So our period is 8. we then plug our period into our period formula to figure out what the variable B is.
B = 2Pi/PERIOD
Then.. B= 2Pi/8
Reduced.. B = Pi/4
The last variable were missing is C. C is called the phase shift, or horizontal shift on the graph. in this case, there was no horizontal shift so we leave C as 1.
So our sinusoidal equation looks like this..
f(x) = AsinB( x - C ) + D
f(x) = 6sin(Pi/4(x-1)) + 7
Hopefully my scribe has helped some people. Doing this scribe has helped me understand the unit a little better.
PERIODIC FUNCTIONS TEST TMRW! STUDY STUDY STUDY!!!
next scribe is..
Amanda

### Today's Slides: May 28

Here they are ...

### May 26th's and Today's Notes

As of the notes of Periodic Functions on May 26, we have learned and relearned of clarifying the amplitude, the period, and the phase shift.

To identify the amplitude, simply clarify the difference between the sinusodial axis and the maximum or mininum.

A period is determined through of the fraction 2(pi)/b. The parameter itself can be identified by switching 'b' with the period shown.

Parameter C is the phase shift. The phase shift moves the graph either left or right on the sinusodial axis, it is normally subtracted from x. The phase shift is identified as either a whole number or pi/c if the starting point value is less than a whole number.

We were also taught of the cosine function. But it bears a very close resemblence to the Sine function, so we'll only be learning of the Sine function this year. The difference from the Sine function is that it's starting point is pi/2 units apart.

For today's notes, we learn of Sequences, a list of numbers that follow a certain pattern. We learn of two types of Sequences, Recursive and Implicit. A recursive sequence, is a list of numbers generated by continuously adding the difference to the first term. Such an equation would be y= 3 ( n - 1 ) + 4, the 3 would be identified as the difference. Take note that n would be rank. An implicit sequence is basically a list of numbers generated by a linear equation. More or less y = 3 n + 1. The difference in an linear equation would be the slope.

With that said, this scribe will now bid you adieu. As he is sleep deprived, the next scribe will be Don. Please, the person that is to take care of the scribe list, please update it regularly. This is also for anyone next year as well. If, the scribe list is used again.

## Wednesday, May 27, 2009

### Today's Slides: May 27

Here they are ...

## Tuesday, May 26, 2009

### Today's Slides: May 26

Here they are ...

## Monday, May 25, 2009

### Transformation of the Sine function

Today in class, we learned what each parameter in the sine function does.

This is what a sine function formula looks like:

but.. what does the formula mean?

Parameter D shifts the graph up and down
- a (+) value shifts the graph upwards by
x number of units
- a (-) value shifts the graph downwards

so..if D = 2, the graph shifts up 2 units
if D = -2, it shifts down 2 units

Parameter A:

Parameter A controls the amplitude of
the graph

* The amplitude gets higher when the value of
gets bigger. A negative value will flip the wave
upside down, but the height of the wave does
not change.

Example:

-the black wave is what a basic
function looks like
- the blue wave represents the function with
a negative A value (A=-2)
-the red wave represents the function with a
positive A value (A= 2)

Parameter B:

Parameter controls the width of the
graph. It also multiplies the copy of
the wave.

normal sine function : period = 2Ï€
so...B= 2 is the same as 2Ï€/2 or Ï€
* the value of B becomes divides the
normal sine function.

Example :

- black wave : sin(X)
- red wave : sin (2X)
Parameter C:

Parameter C shifts the graph
left and right
- a (+) value shifts the graph
to the left by x number of
units.
- a (-) value shifts the graph
to the right.

Example:

- black wave - represents the basic
sine function
- red wave - represents a positive C
value ( C=2)
- blue wave - represents a negative C
value (C= -2)

That's it for today's blog. I hope it helped you guys understand the today's topic.

The next blogger will be... Roe.

### Today's Slides: May 25

Here they are ...

## Sunday, May 24, 2009

### My Project Thing

for one of the questions (since my computer wont let me view past posts/videos, i am just remembering back to a question i remembered from matrices about trips between cities.
I will figure out the details once i get with my partner.

My second question is from the unit of probability.
On the board game you can move pieces diagonally forward.
a) determine the number of different pathways from the game piece to each of the squares on the other side of the board.
b)assume the player is equally likely to go left or right. what is the probability it will land on each destination.

My timeline is the same is chelsias

## Friday, May 22, 2009

### Today's Slides: May 22

Here they are ...

## Thursday, May 21, 2009

### Today's Slides: May 21

Here they are ...

### Developing Expert Voices

Questions:

a.) Statistic Problem

For boys, the average number of absences in the first grade is 15 with a standard deviation of 7; for girls, the average number of absences is 10 with a standard deviation of 6.

In a nationwide survey, suppose 100 boys and 50 girls are sampled. What is the probability that the male sample will have at most three more days of absences than the female sample?

b.)Vectors

Draw scale diagrams of the following vectors using pencil, ruler, protractor, and paper. Label the diagram. Be sure to indicate the scale you used.

(1.) Tiffany walks 13 blocks in a direction East 13 degrees South.

(2.) A boat is headed 300 degrees at 45 km/h.

Time line

May 22 - rough draft questions
May 25 - consult with partner(s)
May 29 - rough copy
June 03 - completion of the project
June 04 to 05 - hand in the project

## Wednesday, May 20, 2009

### Developing Expert Voices

Question 1 : Personal Finance

Debt. Equity Ratio = Total Liabilities - Mortgage / Networth

Lebron is married with two childen. He wants to borrow money to make a major purchase.
His financial advisor prepares a net worth statement for his family with the following.

Lebron and his family live in an \$80,000 home on which there is an outstanding mortgage of \$52,000.00. He owns a car valued at \$20,000.00 and owes 12,000.00 on a 2-year loan he took to buy the car. He has \$5000 and a short term personal loan for \$2500.00. The family has \$1500.00 in a chequing account and another \$3000.00 in a savings account. He owns a boat worth \$5000.00

Question 2 :

Timeline

May 24: Rough Copy for Questions & Solve Questions
May 25: Create visuals for project
May 26 - 31: Put together all visuals on computer
June 1 - 6: Complete Project
June 7: Hand in Project

## Tuesday, May 19, 2009

STUDY.STUDY.STUDY.
Hey guys we have a test tomorrow so make sure you study, study, study :)

Today we learned that that net worth = assets-liabilities.
Assets is money you have or things of value that you own. There are three kinds of assets:
Liquid Assets: Money you can access easily (cash amounts)
Semi-Liquid Assets: Longer term investments (stocks, mutual funds, or some real estate)
Non-Liquid Assets: Material goods (cars, houses) you have to sell it to make money.
Liabilities is amounts of money that you owe. There are two kinds:
Short Term Debts: Must be paid in the next twelve months.
Long Term Debt: Payments that will take more than a year (mortage).

We also learned today that the Debt/Equity Ratio = (Total Liabilities - Mortage) / Net Worth

You want the outcome of the Debt/Equity Ratio to never be bigger than .5 or 50%. If it is even half a percent higher you will have a hard time finding a bank if you can that will give you a loan. But not is all lost, if it is larger than 50% you may try to get a lower loan, find the money in some bond or somewhere else, take a smaller loan then get another after, or even pay off another debtin order to get that percent 50 or lower.

There a few really good examples of this in the slides Mr.K has put up, so if you feel you need more feel free to also look there.

Wish everyone luck on tomorrows test :) and the next scribe is...Lamael

### Today's Slides: May 19

Here they are ...

### Developing MY Voice.

That's problem one. Problem two will be based on a suggestion Mr. K made about the probability of being drafted. I don't think we ever actually did a question of it though...

Timeline:

By May 25th I will have completed my questions. By June 3rd, I will have filmed portions to be embedded in a prezi presentation. By June 6th, I will have completed my prezi and published it to the blog.

### Personal Finance... YEA!

Alright, let's get this started with a concept I was stumbling with for a bit. I could not, for the life of me, understand why the formula for the feasible financial capital percentage one should consider when purchasing a home. For your information, the absolute maximum feasible percentage of one's income that should go towards their home is 32%. Here's a couple things to remember.

It's called the GDSR, and it's composed of a number of things. You've got your Monthly Mortgage Payment, your Monthly Property Tax Payment, your Monthly Heating Bill, and half of your Condo/Strata Fees. Now you lump that all together into one great big chunk and you divide it by your Monthly Income. The number that is generated will be a decimal, in theory. Technically, if you were using this formula on a house WAY out of your range, you'd get a whole number. Or, over 100% of your monthly income would be going to your house.
That's right! The decimal you receive is a percentage! And that is the percentage of your income that is going to your house. You want that to be under 32. The formula looks like this:

Perhaps you are thinking, "That's all well and good, but what if I'm missing a variable, smart-guy!? Maybe I don't know my monthly mortgage payment, JERK!" Well fear not my fine, feathered friend. If you find 32% of your income, and subtract from it what you DO know, your answer will be what remains of your 32% income, or, what you have at your disposal for whatever variables you are missing. For example:

If I have \$1000 a month for housing, my feasible income percentage will be \$320. Let's say it's a house, BOO-YEA, no condo/strata fees. Heating is %40 a month, property taxes are \$60. BEAR WITH ME.... \$40+\$60 is \$100, Therefor... \$320 - \$100 = \$220. I have \$220 to spend on housing per month.

The other thing we covered today was the pros and cons of home ownership. For more information contact your local "Personal Finance" tagged slide... uh..(s)... Slides.

### Developing Expert Voices

Question #1 Personal Finance Unit

Shaiana wishes to invest \$2000.00 given by her grandfather. She has an option guaranteed earning investment certificated of 8.5%, compounded quarterly, or a savings bond of 9%, compounded semi annually.

Which investment should she choose?

If each investment is termed 5 years, what will the difference of their values be at the end of the term?

Question #2 Matrices Unit

On the soap opera, the young and the mathematical Ann is in love with Buck and Dash. Dash is in love with Ann, Charlotte and Elvira. Charlotte who just broke up with her fiancÃ© after learning that he was dating the University of Winnipeg women's basketball team, has fallen in love with Frank, not realizing that he is actually her step brother who has returned to Winnipeg with amnesia and major plastic surgery after the tragic explosion of a graphing calculator at a secret CSIS cryptography lab. Frank is in love with Elvira. Buck is in love only with himself. Write a connection matrix detailing the relationships among the six named characters. Include labels and other explanations to make your work clear.

Time Line:
May 23: Rough Copy for Questions & Solve Questions
May 24: Create visuals for project
May 25 - 31: Put together all visuals on computer
June 1 - 6: Complete Project
June 7: Hand in Project

So two questions I want to model over are vectors and statistics. This question is the one I want to model my vector question over. I chose this question because it's hard and the only way to become an expert is to pick something challenging and mastering it

The next question I choose is this one
I chose this one because I failed my statistics test and this was one of the hardest things to do on the statistics unit in general. Normal curves were just a bit confusing. Okay so these are the questions im going to model my expert voices project on albeit a little more difficult and a little bit more different.
May 23rd Rough Copy
May 24th Do visuals
May 25th Do all computer work
June 1st Complete project
June 7th Publish project

### Thursday's Notes, DEV Project Tip

For the notes on thursday, May 14, we were reminded of how to calculate our GDSR. Or otherwise, our Gross Debt Service Ratio. Our GDSR will not allow more than 32% of our income to be spent or else you want to spend your time bored and hungry. Your Gross Debt Service is calculated by summing the monthy mortgage payment, the monthly property tax, monthly heating costs, and half of your condo fees if you're living in a condo. The sum of this will be divided by your Gross Monthly Income (this includes people who are living with you, unless they are minors).

The formula will be shown here.

In order to find out how much you can afford each month (the monthly mortgage), multiply your GMI by 32% and subtract the sum of the monthly payments with the product of the GMI and GDSR.

With this, we've found the monthly mortgage for this

Once finding the monthly mortgage, we can find the Maximum Mortgage Payment of an individual or a group of individuals. To calculate this we input this into the TvM Solver, the payment periods are set to monthly while the interest compounding periods are set to semi-annually. Once we find the principle value or PV, we simply add it to the down-payment to get our MMP.

Example:

1. Appraisal fees
2. Inspection costs
3. Property Survey
4 Insurance costs for high ratio mortgages
5. Home insurance
6. Land transfer tax
8. Prepaid property taxes and utilies
9. Legal fees
10. Sales tax
11. Moving expenses
12. Services cgarges
13. Immediate repairs
14. Appliances
15. Decorating cost

To find the additional costs, clarify all of the costs and sum them.

A reminder tip for the DEV project.

If you're using slides, do not turn them into power point projects. Always use short, attractive bursts of information with a large amount of images to support said information. Sometimes even an image itself is good enough to bring out what you want to say. Don't be afraid to use a lot of slides.

...the next scribe is Daniel as I didn't see his post. If he isn't there Amanda is next. If she isn't there, Camilla's next.

## Monday, May 18, 2009

### Developing Expert Voices

#1 Matricies

Given these matricies:

1. For each operation listed below, state if it is possible to perform the operation or not.

(a) A + C (b) B + C
(c) 2.2A (d) 2A - 3C
(e) AB (f) BC

2. Perform each of the following operations.

(a) C + 2B

(b) 3A

(c) CA

#2 Personal Finance

Camilla wants to drive a small economy car priced at \$19 800 before taxes. PST is 7% and GST is 5%. She has \$3 500 to use as a down payment for buying. If she buys the car, she will get a 4 year loan at 8.5% to pay for it. What is the total cost of buying the car?

Time Line:

May 23/24 - I will have my first problem done.
May 25-29 - I will work on my next two problems.
May 30/31 - I will have all 4 problems finished and looked over.
June 1 - I will start my reflection.
June 6 - I'll have my presentation published.

### Developing Expert Voices

Question #1
Probability test Part IV problem solving

1) A multiple choice test has five questions with four choices for each question. a student guesses at all the answers without reading any questions.

a)What is the probability that she will get all the answers correct?(2 marks)

b)what is the probability she will get exactly three answers correct?(2 marks)

c)what is the probability she will get at least one answer correct? (2marks)

Question #2
Vectors Pre-test question 5

5) an airplane travels at a speed of 250 km/h in a direction 30 degrees north of west for one hour. it then travels at a speed of 300 km/h for 40 min ina direction of 42 degrees east of north. To return directly to its starting point, in what direction and what distance must the airplane travel? show wall work use the back of pag to answer this question remeber draw BIG DIAGRAM

Time Line

May 22
Consult with group (alvina and katie) about what units are project are on and if we ahve a theme to follow. all aroudn get organized.

May 25
meet up in library assign tow questions to a person and help if needed. decide how the project will be put across to the class. Eg: video, slide etc...

May 27
meet up at library or katies house to help eachother wityh any problems...

June 1
put completes questions of the project together.. of whatever we have.

June 3
Start publishing to computer

June 5
complete all finishing touches and hand it in!

### Developing Expert Voices

Question #1: (March 27; Statistics)

The table shows the lengths in millimetres of 52 arrowheads.

(Didn't type out the numbers, but will create a similar question to this one.)

(a) Calculate the mean length and the standard deviation.

(b) Determine the lengths of arrowheads one standard deviation below and one standard deviation above the mean.

(c) How many arrowheads are within one standard deviation of the mean?

(d) What percent of the arrowheads are within one standard deviation of the mean length?

Question #2: (March 17; Probability)
The probability that Gallant Fox will win the first race is 2/5 and that Nashau will win the second race is 1/3.

1. What is the probability that both horses will win their respective races?

2. Wha tis the probability that both horses will lose their respective races?

3. What is the probability that at least one horse will win a race?

Time line

May 20 - Consult with the group and decide which units were going to do our projects on.

May 22 - Make sure that everyone has slowly progressed on their projects and help each other out on what their missing.

May 25 - Another group meeting, making sure everyone has got something done.

May 30 - Start putting bits an pieces of our project together.

June 3 - Complete Project

June 4 -6 - Put the finishing touches on the project

June 7 - Hand in completed assignment

### Developing Expert voices

March 16, 2009

Rupert has either milk or cocoa to drink for breakfast with either oatmeal or pancakes. if he drinks milk, then the probability that he is having pancakes with the milk is 2/3. the probability that he drinks cocoa is 1/5. the probability that he drinks cocoa is 1/5. if he drinks cocoa, then probability of him having pancakes is 6/7.
a) show the sample space of probabilities using a tree diagram or an other method of your choice.

b) find the probability that Rupert will have oatmeal with cocoa tomorrow morning.

May 14, 2009

Lucy Brown wants to buy a condo, but does not know how much money she should spend based on her income. She earns \$44 000 per year, and has saved \$9000 for a down payment. the propery taxes for the condo she likes are \$1500 per year, and the heatig costs average \$90 per month. the condo/strata fees are \$18 per month, the bank will give her a 250 year mortgage at an interest rate of 7.5%. what is the maximum price she can afford for a condo, based on spending no more than 32% of her gross income on household and accommodation expenses?

Timeline

May 20 - Consult with the group and decide which units were going to do our projects on.
May 22 - Make sure that everyone has slowly progessed on their projects and help eachother out on what their missing.
May 25 - Another group meeting, making sure everyone has got something done.
May 30 - Start putting bits an peices of our project together.
June 3 - Complete Project
June 4 -6 - Put the finishing touches on the project
June 7 - Hand in completed assignment

### Developing Expert Voices

Questions :

March 5 : Probability
(1) The cafeteria special for lunch offers a choice between two main courses (hamburgers or chicken burgers) and three different drinks. The "meal deal" allow you to pick one of each. How many different "meal deals" are they offering?

What if they offer to throw in a choice of fries, spicy fries of plain chips; how many "meal deals are they offering now?

May 12 : Personal Financing
(2) A group of rural students is planning to go to university. One of the members of the group suggests that they purchase an older home rather that rent an apartment. After a careful analysis of their finances, the group decides that their gross monthly income would be \$3000.00. Monthly property taxes are estimated to be\$125.00. Heating bills are estimated to be \$150.00. The group can arrange a mortgage at a rate of 9%. The three members of the group are able to come up with a down payment of \$8000.00 Determine he maximum affordable purchase price that can be considered if they take out a 25 year mortgage.

March 12 : Probability
(1) Suppose that, when you go home from school, you like to take as great a variety of routes as possible, and that you are equally likely to take any possible route. You will walk only east or south.
(a) How many ways can you go from the school to home?
(b) What is the probability that you will walk past the post office on your way home?

Time line
May 22 - complete all rough draft questions and ideas.
May 25 - consult with group / partner with the idea and questions
May 29 - rough copy Online.
June 3 - complete the project.
June 4 - 5 add little touch ups to project and hand in published project.

## Sunday, May 17, 2009

### Developing expert voices

1) Matrices question from the slides on Febuary 11th (slide # 3).
2) Probabilty question.

Timeline

Today 05/17/09: Publish this post

05/21/09: Create Problems from above Models

05/22-29/09: Complete Problems, ask for help from Mr. K. if needed

05/30/09: start to publish assignment

05/30/09-06/07/09: Hand in published assignment

## Friday, May 15, 2009

### Dev. Project

Questions:

March 12, 2009 Probability

Suppose that, when you go home from school you like to take as great a varitey of routes as possible, and that you are equally likely to take any possible route. You will walk only east or south.

How many ways can you go from the school to home?
What is the probability that you will walk past the post office on your way home?

May 4, 2009
A ship needs to travel in the direction of 40'. The ship has a speed of 20 knots in still water. A current of six knots at 340' is pushing the ship. Determine the direction the ship is headed and the magnitude of the ship's resultant velocity.

Time Line:

May 25th: Rough Copy for Questions
May 29th: Rough Copy for Online Portion of Project
June 5th: Complete Project
June 7th: Hand in Project

### Developing Expert Voices: Respect Copyright & Resources For You

We talked more about your upcoming Developing Expert Voices projects today. First some resources you can use to put together your online presenations:

The 50 Web 2.0 Ways to Tell a Story Wiki
Remember? The story about the dog Dominoe told in over 50 very cool ways. The video was good (here it is as a slidecast below) but I think everyone was really impressed with the Prezi version.

We also talked a little about presentation design:

As you collect various digital artifacts to string together your project keep in mind you must respect copyright; you can't use ("steal") other people's work without permission. Here are two videos that illustrate some of these ideas. Below them you'll find links to sites where you can find Creative Commons copyrighted music and pictures.

A Fair(y) Use Tale

Creative Commons: Wanna Work Together?

Find Creative Commons music at Jamendo.

Find Creative Commons licensed pictures using the flickr creative commons search tool.

## Thursday, May 14, 2009

### Today's Slides: May 14

Here they are ...

## Wednesday, May 13, 2009

### IT'S a LATE scribe POST

Hi, Today in class the first thing we did was hand in the answers to our homework.Then Mr. K. went over the answer after we handed it in. After that we talked about the advantages of leasing and buying a vehicle.

• Lower initial Payments
• Get to drive most recent vehicles (new)
• Can not modify the Vehicle

• You own the vehicle it is yours
• You have an unlimited amount if kilometers
• You can modify your vehicle

Shortly after we talked about buying and renting a house. Renting is basic it is monthly payments( + hydro, water etc. if not included in rent). But you will never own the house if you rent it.

Buying a house is quite different. You must have a minimum down payment of 5% of the value of the house.

EX: A house is valued at \$100,000 your minimum down payment will be \$5,000

how? value(100,000)*minimum down payment of 5%(.05)

=\$5,000

Then you have to get a mortgage. A mortgage is like a loan from the bank that you have to obviously payback but with interest.

EX: The mortgage will cost you \$106,400

how? balance(\$95,000)+ total interest(\$11,400)

=\$106,400

The Mortgage balance is what is left over from the total value of the house after the down payment is made.

Also Mentioned In Class

The GDSR-Gross Debt Service Ratio is how to find out he maximum amount of your income you can afford on a house (32%).This can be expressed as a formula:

GDSR=Mo. Mort. pmt.+Mo. Prop. tax+Mo. heating cost+ 1/2 of condo or strata fees

Gross Monthly Family Income

Equity-The part of the house you own.

Next Scribe is:DANIEL

### May 12th on the 13th

Well I made a post last night.... but it didn't seem to publish. I was having a hard time publishing it.. kept getting an error message and eventually it said it posted... but apparently not. Anyways... lets see how close I can get to the previous post that never made it up.

Well we continued to use the same program through APPS then into Finance.

We also talked about Depreciation value.
Depreciation is the amount of value a thing loses. The depreciation Rate is how much value it loses per time period. weather it be week... month or maybe year.

An example would be if a car lost 10% of its value every year... and lets just say the car was worth \$10,000.00, after one year the car would be worth \$90,000.00. Now this is the part you have to remember. when it comes to the price after the second year, you cant just take 20% off of the initial price (\$100,000). you have to take 10% off of the value at the end of the 1st year (the \$90,000.00).
There are two ways of doing this... you can either make a chart that looks like ..
Year initial value End of year
1 \$10,000 \$90,000
2 \$ 90,000 \$81,000
3 and so on...........
OR,,,
you can use the formula I(r)^n
I=initial amount
r= depreciation rate
n=number of years (or whatever the time period is at which the depreciation value is based upon)

WE ALSO:
we also looked deeper into leasing. We discussed how when u lease a car... you are only paying for the part of the car u are using because at the end of your lease... u have to give back the car. Now when you give it back, it is not worth as much as it was when you first got it.

Leasing a car is like asking for a bite of food. You still get to taste it.... but you don't get the whole thing. You enjoy your piece, then give the rest back.

As I was saying before, the depreciation is the value of the car that you have used up.. and the value that u give back to the dealer is called the residual value.

Since you use up the depreciated value, you have to pay sales tax on that part. You do not however have to pay taxes on the residual value.

Much like today, we went over some of the Pros and Cons to both leasing and Buying.
Leasing a vehicle is good for someone who can only afford small monthly payments, who doesn't want to worry about dealing with trading in or selling a vehicle when they no longer want it or who likes to change vehicles often.
Buying a vehicle on the other hand is good for someone who can afford to outright buy a car, who used a vehicle allot (travels long distances, across town commute etc.) or who likes to make customizations to their vehicle.

That is about all the things we went over....
I already chose the scribe for today but i will just put it up anyways for record sake ( Eugene )
I apologize again for not posting it last night... i really thought it was up.

### Today's Slides: May 13

Here they are ...

## Tuesday, May 12, 2009

### Today's Slides: May 12

Here they are ...

## Monday, May 11, 2009

### Leasing

Hey everyone! Today in math class, we learned about leasing. We started the day with the usual 'going over the homework' and then Mr. K put us right into the lesson on leasing.
From what I understand, leasing is when someone is giving another person either land, property, car, etc. to another person for a certain amount of time. Its like a rental agreement that can last for years. What also happens is that people who are leasing, have to make monthly payments for
•'depreciation'
•'sales tax' to that depreciation
and 'interest on the unpaid value' of the item that is being used.
Depreciation means that there is a reduction of value in that item as time passes by. For example, the more you wear a brand new pair of jeans and as time goes by, the jeans start to fade out, decreasing the value of the jeans.
Sales tax is the tax that has to be paid for a section of that item that is being used. For example, a car that you decide
d to lease for three years, you only pay a portion for the car because you only use it for a certain amount of time and then you have to give the car back. During the time you have the car, you are paying taxes for the portion that you used.

Interest is when you pay at a particular rate for what you are leasing

When you are done leasing the item, You would either return it to the person that loaned you the item or you can buy the item. What this is called is 'Residual Value'. It's the amount (cost) of the being sold.

Mr. K also showed us a way to see how depreciation works with the calculator.

Ex. A car depreciates 20% per year. What is it worth in 5 years?

This is what it would look like on the calculator

What we did was you take 100% and subtract 20% from it, giving you 80%
Then we did 100*0.80 which equaled to 80.
What you would do next is you have to press on the multiplication button on your calculator and then it what would pop up is Ans* and then you punch in 0.80.
Press enter 4 more times to give you how much it would be worth in 5 years.
The car is worth 32.768 in five years.

The next scribe will be, K_Hannah (:

### Today's Slides: May 11

Here they are ...

## Sunday, May 10, 2009

### scribe post Friday May 8

Sorry for the late scribe post...

Scribe post May 8/09

Today we opened up the class by seeing a pink smart car with hello kitty on it, it was cute... in a "i would never do way" but cute.

We learned how to see how much of your savings and what interest you will have after a certain amount of months, years so on.

in the case that Mr K had given us the payments where made quarterly so for instance with the example he had given us..i had broke it down on the image below...

The next question we worked on showed us how to not only to find the monthly payment but to also find out the complete interest you received and how much it would be to pay it off..

a monthly payment of \$8250 loan with a interest rate of 8.5% compounded monthly...If the loan is repaired in 2 years (24 months)

to determined the monthly payment we go to are tvm solver on our calculator under finance and fill it out like this...

the pmt (payment) amount was -376.52 because you are taking it FROM your money to pay it off.

To determine the total cost of Repaying the loan would be 376.52* 24
---24-- because of the 24 month payment

= 9036.48

You take that amount and subtract the principle value, so the value you started with .

9036.48-8250= \$786.48

Sorry again for the late scribe post if anything is wrong with this scribe please comment so i can fix it!
thank you see you Monday!

next scribe is...Alvina!

### reflection #2 (vectors)

This is my reflection on vectors

This unit was one of the shortest ones i have ever done, i understood most of it other then the Parallelogram Method, and when all the questions were put into super complicated problems where words were switched around. That was the only time i was somewhat lost. Other then that i got everything i was so excited and proud, it was taught well and pretty easy understood.

:)

...sorry was late...

## Friday, May 8, 2009

### Today's Slides: May 8

Here they are ...

## Thursday, May 7, 2009

### Credit Card Interest Rates

Hi guys..We've just discussed about our assignment and it was really interesting. We also discussed about Credit Cards and Interest Rates. There are 2 types of interest rate:

Nominal Interest Rate is the interest that the bank given.
For example: If the bank has 5% interest rate in semi-annually, the Nominal Interest Rate would be 10%. It will be 10% percent because semi-annually is half a year and annually get charged. Like:

05%(2) =10% (2) - represent a 1/2 year

and Effective Interest Rate is the rate that you actually charge on an annually basis and or paying interest on interest each compounding period.

For example: If the bank has 5% interest rate in semi-annually, the Effective Interest Rate would be 10.25%.

Here are the Solution to get the Effective Interest Rate:

Effective Interest Rate = ( 1 +
i / m ) ^m -1
Effective Interest Rate = ( 1 + 0.10 / 2 ) ^2 -1
Effective Interest Rate = ( 1 + 0.05 ) ^2 -1
Effective Interest Rate = ( 1 + 0.05 ) ^2 -1
Effective Interest Rate = ( 1.05 ) ^2 -1
Effective Interest Rate = 1.1025 -1
Effective Interest Rate = 0.1025
or = 10.25%

NOTE :
m - is the number of compounding period like:
Monthly (12), Quarterly (4), Semi-annually (2) and Weekly (52)

i - is the Nominal Interest Rate.

! This website might give you some great ideas about Interest Rates and solution to your questions:

In addition to, we also discussed about the "Rule of 72". The "Rule of 72" is a simplified way to determine how long an investment to take double, given a fixed annual rate of interest.

Formula of "Rule of 72" is:

Years = 72 / ( Interest Rate % )

Rate = 72 / Years

If you have questions and complains to my post, i really appreciate to send me a comment.

Next Scribe is Chelsea.!!.

### Today's Slides: May 7

Here they are ...

### Compound Interest

Today, we learned how to calculate Compound Interest problems.

Compound Interest
is a system which adds the accumulated interest to the principal, such that the interest earned is based on that adjusted principal.

Here's the formula for calculating Compound Interest and what it means.

A = final amount at the end of the term
P = principle amount

1 = preserves original investment

r = rate in decimal number

n = number of times compounded

t = time in years

Knowing the formula, we can now calculate Compound Interest.

Here's an
example.

Justin decided to invest \$1000 for 2 years. The bank told him that the interest rate will
be 5.25% and will be compounded semi-annually. How much will Justin end up with after 2 years?

Solution:

TVM (Time Value Money)
solver does all the calculation for us. Here's what a TVM solver screen look like.

N = time
x number of times compounded
I% = interest rate in %

PV = present value

PMT = payment made to the account

FV = Future Value

P/Y = # of payments per year

C/Y = # of times compounded per year

the next scribe will be....

Jason
. :)

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