Real World Math - C.W. Pubcwpub.com/teacher_guides/RWM_Teacher_Guide.pdf · 2017-02-22 · Alignment with CCSS for Reading as noted on page 4. Alicia’s Budget Students will calculate

Teacher’s Guide Introduction to the Unit ................................................................................................................................ 2 What are the activities? What is the assessment? What are the activity descriptions? How does this unit align with the Common Core State Standards? Alignment with the Common Core State Standards for Mathematics ................................................... 3 Alignment with the Common Core State Standards for Reading ........................................................... 4 Alignment with the Common Core State Standards for Writing ............................................................ 5 Activity Descriptions ................................................................................................................................... 6-20 Category 1: Budgeting Math ................................................................................................................... 6-7 Category 2: Credit Card Math ................................................................................................................. 8 Category 3: Housing Math ...................................................................................................................... 9 Category 4: Insurance Math .................................................................................................................... 10-12 Category 5: Money Math ........................................................................................................................ 13 Category 6: Paycheck Math .................................................................................................................... 14 Category 7: Real Economics ................................................................................................................... 15-16 Category 8: Shopping Math .................................................................................................................... 17-18 Category 9: Transportation Math ............................................................................................................ 19-20 Assessment Answers .................................................................................................................................... 21-25 Budgeting Math Problems ....................................................................................................................... 21 Credit Card Math Problems..................................................................................................................... 21 Housing Math Problems .......................................................................................................................... 22 Insurance Math Problems ........................................................................................................................ 22 Money Math Problems ............................................................................................................................ 23 Paycheck Math Problems ........................................................................................................................ 23 Real Economics Problems ....................................................................................................................... 24 Shopping Math Problems ........................................................................................................................ 24 Transportation Math Problems ................................................................................................................ 25

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Real World Math

What are the activities?What are the activities?What are the activities?What are the activities?

Real World Math contains over 150 pages of current activities that challenge your students to use their math skills in a wide variety of real world situations. The activities are divided into the following nine categories:

Each activity includes:

• One or more reproducible student pages

• A teacher’s key with answers

• Step-by-step math solutions

What is the assessment?What is the assessment?What is the assessment?What is the assessment?

An assessment is included that can be used as a pre-test as well as a post-test to evaluate what your students have learned and to identify those areas that might require additional instruction. The assessment is divided into nine parts corresponding to the nine categories of activities. The teacher’s answer key including step-by-step math solutions can be found on pages 21-25 of this guide.

What are the activity descriptions?What are the activity descriptions?What are the activity descriptions?What are the activity descriptions?

This guide includes a detailed description of each activity in the unit to help you choose the activities that best meet your needs.

How does this unit align with the Common Core State Standards?How does this unit align with the Common Core State Standards?How does this unit align with the Common Core State Standards?How does this unit align with the Common Core State Standards? The anchor standards for Mathematics, Reading and Writing are listed on pages 3-5 and each anchor standard that aligns with the activities in Real World Math is indicated with a red arrow. Each activity description on pages 6-20 also includes one or more of the following statements indicating that the activity aligns with the Common Core State Standards for mathematics and may also align with those for reading and/or writing.

• Alignment with CCSS for Mathematics as noted on page 3.

• Alignment with CCSS for Reading as noted on page 4.

• Alignment with CCSS for Writing as noted on page 5.


Teacher’s Guide Introduction To the Unit

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• Budgeting Math

• Credit Card Math

• Housing Math

• Insurance Math

• Money Math

• Paycheck Math

• Real Economics

• Shopping Math

• Transportation Math

Common Core State Standards For

Mathematics Each of the following anchor standards for mathematics which is aligned with activities in Real World Math has been marked with a red arrow.

Standards for Mathematical Practice 1. Make sense of problems and persevere in solving them. 2. Reason abstractly and quantitatively. 3. Construct viable arguments and critique the reasoning of others. 4. Model with mathematics. 5. Use appropriate tools strategically. 6. Attend to precision. 7. Look for and make use of structure. 8. Look for and express regularity in repeated reasoning.

Teacher’s Guide CCSS Mathematics Alignment

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Common Core State Standards for

Literacy in History/Social Studies, Science and Technical Subjects

Each of the following anchor standards for reading which is aligned with activities in Real World Math has been marked with a red arrow. Where a specific term or statement is particularly applicable it has been highlighted.

College and Career Readiness Anchor Standards for Reading

Key Ideas and Details

1. Read closely to determine what the text says explicitly and to make logical inferences from it; cite specific textual evidence when writing or speaking to support conclusions drawn from the text.

2. Determine central ideas or themes of a text and analyze their development; summarize the key supporting details and ideas. 3. Analyze how and why individuals, events, or ideas develop and interact over the course of a text.

Craft and Structure

4. Interpret words and phrases as they are used in a text, including determining technical, connotative, and figurative meanings,

and analyze how specific word choices shape meaning or tone. 5. Analyze the structure of texts, including how specific sentences, paragraphs, and larger portions of the text (e.g., a section,

chapter, scene, or stanza) relate to each other and the whole. 6. Assess how point of view or purpose shapes the content and style of a text.

Integration of Knowledge and Ideas

7. Integrate and evaluate content presented in diverse formats and media, including visually and quantitatively, as well as in words. 8. Delineate and evaluate the argument and specific claims in a text, including the validity of the reasoning as well as the relevance

and sufficiency of the evidence. 9. Analyze how two or more texts address similar themes or topics in order to build knowledge or to compare the approaches the

authors take. Range of Reading and Level of Text Complexity

10. Read and comprehend complex literary and informational texts independently and proficiently.


Teacher’s Guide CCSS Reading Alignment

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Common Core State Standards for

Literacy in History/Social Studies, Science and Technical Subjects Each of the following anchor standards for writing which is aligned with activities in Real World Math has been marked with a red arrow. Where a specific term or statement is particularly applicable it has been highlighted.

College and Career Readiness Anchor Standards for Writing

Text Types and Purposes

1. Write arguments to support claims in an analysis of substantive topics or texts using valid reasoning and relevant and sufficient evidence.

2. Write informative/explanatory texts to examine and convey complex ideas and information clearly and accurately through the

effective selection, organization, and analysis of content. 3. Write narratives to develop real or imagined experiences or events using effective technique, well-chosen details and well-

structured event sequences. Production and Distribution of Writing

4. Produce clear and coherent writing in which the development, organization, and style are appropriate to task, purpose, and audience.

5. Develop and strengthen writing as needed by planning, revising, editing, rewriting, or trying a new approach. 6. Use technology, including the Internet, to produce and publish writing and to interact and collaborate with others.

Research to Build and Present Knowledge

7. Conduct short as well as more sustained research projects based on focused questions, demonstrating understanding of the subject under investigation.

8. Gather relevant information from multiple print and digital sources, assess the credibility and accuracy of each source, and

integrate the information while avoiding plagiarism. 9. Draw evidence from literary or informational texts to support analysis, reflection, and research.

Range of Writing

10. Write routinely over extended time frames (time for research, reflection, and revision) and shorter time frames (a single sitting or a day or two) for a range of tasks, purposes, and audiences.

Teacher’s Guide CCSS Writing Alignment

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Teacher’s Guide Activity Descriptions for Budgeting Math

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Category 1: Budgeting Math Alicia Moves In

Students will calculate Alicia’s monthly net pay and the percentage of her net pay she spends on rent. They will calculate the amount she spent on food, household and personal items on a recent shopping trip. They will also make a list of Alicia’s other monthly expenses. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Alicia’s Budget Students will calculate Alicia’s monthly net pay. Using a one-month calendar of Alicia’s spending, they will calculate what she spent in each of 17 budget categories. They will decide if she is living within her means. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Cutting The Family Budget Students will calculate a family’s total monthly spending. They will then determine which spending categories to cut in order to decrease the total family budget by 20%. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Ellie Is On Her Own Students will make a list of the things they believe Ellie needs to do in order to move to St. Simons Island and start a new job. They will calculate her biweekly net pay and create a monthly budget for Ellie. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Family Financial Worries Students will graph the results in 2000, 2008 and 2013 of a Gallup Poll in which Americans were asked the most important financial problem facing their families. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Gary’s Budget Students will calculate Gary’s biweekly net pay as a machinist Des Moines, IA. They will answer questions regarding his monthly expenses and create a monthly budget for him. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.


Teacher’s Guide Activity Descriptions for Budgeting Math

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Category 1: Budgeting Math

How Young People Spend Their Income

Students will calculate average spending by young people under age 25 in 2000, 2008 and 2013. They will calculate the percentage of total spending by budget category and determine if young people on average spent more than they earned during those years. They will also answer accompanying questions. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Jason’s Budget Students will list sources of income Jason could receive during the year other than his paychecks. They will use his income to construct a budget for Jason. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Reuben’s Budget

Students will calculate Reuben’s biweekly net pay as a firefighter in Los Angeles, CA. They will answer questions regarding his monthly expenses and create a monthly budget for him. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Tanya’s Budget Students will calculate Tanya’s biweekly net pay as a nurse in Fort Lauderdale, FL. They will answer questions regarding her monthly expenses and create a monthly budget for her. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Teen Spending Students will do calculations and answer questions using a one-week spending diary kept by four different teens. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.


Teacher’s Guide Activity Descriptions for Credit Card Math

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Category 2: Credit Card Math Credit Card Debt

Students will calculate the percentage change in U. S. credit card debt from 1970-2013. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Four Credit Card Statements Students will first answer a series of questions based on the information provided in a July credit card statement. They will then calculate the financial information for the August, September and October credit card statements including each month’s average daily balance, finance charge and new balance. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Jason’s Credit Card Statement

Students will complete Cary’s June credit card statement by calculating his total new purchases, the finance charge, total payments and credits and his new balance. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Your Credit Score Students will read an explanation of what a credit score is and how they are determined. They will calculate the costs of a car loan and a home loan based on different credit scores so they understand its importance to them. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.


Teacher’s Guide Activity Descriptions for Housing Math

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Category 4: Housing Math

First Time Home Buyers

Students will do a series of calculations to determine the costs of financing an $80,000 starter home with a 30-year fixed-rate mortgage at 5% interest. They will also complete the first five months of the payment schedule including the monthly unpaid balance, monthly interest payment and monthly principal payment. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Furnishing Katelyn’s Apartment

Students will use a budget of $2,000 to purchase furnishings for Katelyn’s apartment from a list of 25 items. They will also list sources of furnishings for Katelyn that would be inexpensive or free. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Furnishing Your Apartment Students will use a budget of $4,500 to purchase furnishings for an apartment from a list of over 70 items. They will calculate the total cost including a sales tax of 6%. They will also sketch the furniture arrangement in the apartment. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Mortgage Rates (1975-2014) Students will calculate the total of payments and the total interest paid on a $100,000 home loan using the average annual, 30-year fixed mortgage rate from 1975-2014. They will answer related questions. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

The Marshal’s First Home Students will create an evaluation check list that Mike and Rachel Marshal will use to evaluate an older home they want to buy. They will calculate the costs of the Marshal’s home loan at various interest rates and amortize the loan for the first four months. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5. .


Teacher’s Guide Activity Descriptions for Insurance Math

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Category 4: Insurance Math

Auto Insurance Gary’s Auto Insurance

Students will use an outline of Gary’s auto insurance policy to answer a series of questions related to his insurance coverages and premiums. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Michelle’s Auto Insurance Students will use an outline of Michelle’s auto insurance policy to answer a series of questions related to her insurance coverages and premiums. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Teen Car Insurance Premiums Students will calculate the increase in auto insurance premiums for teen drivers based on a series of driving violations and accidents. They will calculate the percentage change in the consumer price index for auto insurance from 2000 through 2009. They will complete 18 fill in the blank statements pertaining to teen driving by choosing terms from a list that is provided. They will also write their opinion of whether teenagers should be allowed to drive at age 16. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Health Insurance

Chloe’s Group Health Insurance Using an outline of Chloe’s group health insurance policy, students will calculate the portion of a hypothetical hospital bill that would be paid by the policy and the portion of the bill Cary would have to pay himself. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Metropolitan Health Insurance Using a Metropolitan health insurance policy outline that is provided, students will calculate the amounts the insurance policy would pay toward the medical bills of several employees of Bowman Publishing and how much each employee would have to pay. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.



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Health Insurance

Pinnacle Health Insurance Using a Pinnacle health insurance policy outline that is provided, students will calculate the amounts the insurance policy would pay toward several medical bills and how much the policyholder would have to pay. They will also answer questions related to the insurance policy outline. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

The Cost Of Health Insurance At Work Students will compute the percentage change in the premiums for single and family health insurance coverage at work from 1999-2013. Using the charts provided, they will write their opinion on how to deal with these costs. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Life Insurance

Decreasing Term Insurance

Students will read a description of decreasing term life insurance. They will answer a series of questions related to a decreasing term life insurance policy outline that is provided. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Endowment Insurance Students will read a description of endowment life insurance. They will answer a series of questions related to an endowment life insurance policy outline that is provided. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Limited Payment Whole Life Insurance Students will read a description of limited payment whole life insurance. They will answer a series of questions related to a limited payment whole life insurance policy outline that is provided. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Term Insurance Students will read a description of term life insurance. They will answer a series of questions related to a term life insurance policy outline that is provided. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.



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Life Insurance

Universal Life Insurance Students will read a description of universal life insurance. They will answer a series of questions related to a universal life insurance policy outline that is provided. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Whole Life Insurance Students will read a description of whole life insurance. They will answer a series of questions related to a whole life insurance policy outline that is provided. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Property Insurance

Homeowner’s Insurance Students will answer a series of questions related to Louis and Karen Ramos’ homeowner’s insurance. A policy outline and explanation of coverages is provided. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

The Marshal’s Homeowner’s Insurance Students will use an outline of the Marshal’s homeowner’s insurance to answer a series of questions concerning what the policy will and will not cover in different situations. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.


Teacher’s Guide Activity Descriptions for Money Math

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Category 5: Money Math Emma’s Checking Account

Students will complete Emma’s check register for the month of June. They will also complete her June bank statement and then reconcile her register to the statement. They must also discover the errors Emma made in her register and make correcting entries. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Maintaining A Checking Account

Students will use a list of checking account transactions to complete a check register. They will complete an account statement by computing the ending balance for the month and the balance by date. They will reconcile their check register against the bank statement to be sure they balance. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Money Math Students will solve 7 problems involving various denominations of our currency. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Reuben Garza’s Savings Account Students will calculate the balance in Reuben’s savings account on 24 dates over a eight month period. They will complete three math problems related to Reuben’s savings account. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

The Investment Game Students will be given an amount of money and have the opportunity to invest in a list of stocks, bonds and mutual funds over a simulated twelve month period. They will do the necessary math to complete a form for each month which lists their transactions and their current portfolio. To make their investment decisions, they will read the business news which is provided along with all other materials. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

What We Save Students will construct a bar graph illustrating the percentage of disposable income saved in the United States from 1930 through 2013. They will answer questions related to the graph they constructed. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Whoops Students will find the errors in a check register and reconciliation form. They will make a list of the errors, make an adjusting entry in the check register and correctly reconcile the register and account statement. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.


Teacher’s Guide Activity Descriptions for Paycheck Math

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Category 6: Paycheck Math How Much You’ll Make

Students will read a description of the factors that determine how much people are paid. They will calculate the annual wage and real wage for an electrician, a registered nurse and a fireman in eight different communities across the United States and decide which community they think each of the three should choose to live and work in. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Six Paychecks Students will calculate the net pay (take home pay) for six people who are all paid in different ways. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

The Minimum Wage vs Movie Ticket Prices Students will construct a bar graph comparing the minimum wage to movie ticket prices. They will calculate the movie ticket index. They will also calculate the net pay for 40 hours of work at the minimum wage. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Which Job Should She Take Alicia Wright has been offered three jobs in three different communities. Students will calculate her gross and net pay for each job and decide which job they think she should take. Statistics on each community are provided. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.


Teacher’s Guide Activity Descriptions for Real Economics

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Category 7: Real Economics Double Digit Unemployment

Students will calculate the annual rate of unemployment from 1981-1987 and 2007-2013. They will calculate the percentage increase in the rate of unemployment for each sate and the U. S. during the Great Recession of 2007-2009. They will answer questions related to their calculations. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Four Recessions Students will construct 4 bar graphs illustrating the changes in the Gross Domestic Product during four recessions. They will decide on the severity of each recession and the quality of recovery. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Home Foreclosures Students will calculate the percentage change in home foreclosures in each state from the height of the Great Recession to 2013. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Long-Term Unemployment Students will calculate the percentage of the unemployed from 2008-2013 that fall into four different “length of unemployment” categories. They will construct bar graphs to illustrate the changes in the levels of unemployment. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Tax Freedom Day Students will calculate the number of days Americans worked for the government each year from 1990-2014. They will construct a bar graph illustrating taxes as a percentage of income from 1900-2014. They will answer related questions. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

The Federal Deficit

Students will calculate the federal government’s budget deficit or surplus from 2000-2014. They will explain how they would offset the budget deficits. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.


Teacher’s Guide Activity Descriptions for Real Economics

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Category 7: Real Economics The Misery Index

Students will use a table listing the unemployment rates and inflation rates to calculate the Misery Index from 1990-2013, from 1930-1939 and from 1972-1982. They will compare the Misery Index during these three periods. They will construct a bar graph illustrating the change in the Misery Index from 2000-2013. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

The National Debt Students will complete a table of the national debt by computing the national debt per person. They will calculate the change in the national debt from period to period throughout our history. They will answer accompanying questions. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Unemployment During The Great Recession Students will calculate the change in each state’s unemployment rate during the Great Recession. They will construct a bar graph illustrating the change in the national unemployment rate during the Great Recession. They will answer accompanying questions. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.


Teacher’s Guide Activity Descriptions for Shopping Math

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Category 8: Shopping Math

Clothing: Clothes For Chris

Students will use $800 to buy a wardrobe for Chris as he begins his first full-time job as an assistant manager in a bicycle shop. They will explain why they think the wardrobe they have chosen is appropriate. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Clothes For Jan Students will use $800 to buy a wardrobe for Jan as she begins a job as a secretary in a large company. They will explain why they think the wardrobe they have chosen is appropriate. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Clothes For Jim Students will use $800 to buy a wardrobe for Jim who has grown two inches between his junior and senior years in high school. They will explain why they think the wardrobe they have chosen is appropriate. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Clothes For Monica Students will use $800 to buy a wardrobe for Monica as she begins her first year of college. They will explain why they think the wardrobe they have chosen is appropriate. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Food: Buying Groceries

Students will use a grocery store receipt to answer a series of questions and do math calculations. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Comparing Brands

Students will use a chart comparing the prices for generic, store and national brands of 13 grocery store items. They will answer questions and do math calculations. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.


Teacher’s Guide Activity Descriptions for Shopping Math

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Category 8: Shopping Math

Food: Financial And Nutritional Cost Of Fast Food Meals

Students will use a table of prices and nutritional values from McDonald’s to calculate the money cost and nutritional cost of several fast food meals. They will also answer a series of related questions. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Movie Popcorn Students will calculate the percentage of calories, saturated fat and sodium in three sizes of movie popcorn from three different theater chains compared to the recommended daily values in a normal diet. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Sweet Tooth Students will calculate and compare the cost per piece of buying various package sizes of M&Ms at ten different locations. They will also answer related questions. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Shopping In General: Shopping At The Mall

Students will calculate the cost of various items Rachel purchased during a shopping trip to the mall. They will calculate discounts, sales tax and cash price. They will also calculate the percentage of her total spending that was made with her debit card, credit card and cash. They will explain why they agree or disagree with how she paid for her purchases. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Shopping The Sales Students will calculate the sale price, sales tax and cash price of several items Brenda purchased on sale. They will also calculate how much she spent using her debt card, her credit card and cash. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.


Teacher’s Guide Activity Descriptions for Transportation Math

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Category 8: Transportation Math Amanda’s New Car

Students will calculate the driving range, average price and fuel savings per month for 7 new fuel efficient cars. They will explain the advantages and disadvantages of each and determine which one they believe Amanda should buy. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Donna’s New Car Students will calculate the total of payments and the finance charge on car loans with terms of 36 months, 48 months, 60 months and 72 months. They will complete the monthly payment schedule for the first four months of Donna’s loan including the monthly unpaid balance, monthly interest payment and monthly principal payment. They will also answer related questions. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Gary Benson’s Commute Students will explain what they think is good and bad about six vehicles Gary is considering buying. They will calculate his monthly costs to own each of the six vehicles. They will rank the six vehicles from best to worst choice and explain why. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

Long Term Car Loans Students will evaluate a survey of the lengths of car loans and answer related questions. They will calculate the total of payments on car loans with terms of from 2 to 9 years at both 5% and 10% interest. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4.

Noah’s New Car Students will calculate Noah’s total costs of leasing or buying a new car by completing two itemized worksheets. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

On the Move Students will decide how Shannon should pay for his various moving expenses. They will calculate the cost of several of these expenses including a UHaul trailer, gasoline, food and overnight lodging. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.


Teacher’s Guide Activity Descriptions for Transportation Math

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Category 9: Transportation Math Should The Johnsons Buy A New Prius?

Students will calculate the financial costs and savings to a family buying a new Toyota Prius or driving their Trailblazer based on different miles driven and different gas prices. They will answer accompanying questions. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

U. S. Gasoline Prices Students will use a table listing the average price of unleaded gas in each state from 2001-2014. They will calculate the changing cost of driving 350 miles. They will explain how they and their families have adjusted to rising gasoline prices. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.

What Should Tasha Do? Students will explain what they believe is good or bad about three strategies Tasha is considering to buy a car of her own. They will list 25 things they think Tasha should check out on a used car. They will calculate Tasha’s costs to both buy and lease a new subcompact car. Alignment with CCSS for Mathematics as noted on page 3. Alignment with CCSS for Reading as noted on page 4. Alignment with CCSS for Writing as noted on page 5.


Teacher’s Guide Assessment Answers

21

Budgeting Math Answer Key:


Problem #1 Gross Biweekly Pay = $920.00 ($11.50 x 80 = $920.00) Federal Income Tax = $115.0 ($920 x .125 = $115.00) Social Security = $57.04 ($920 x .062 = $57.04) Medicare = $13.34 ($920 x .0145 = $13.34) State Income Tax = $27.60 ($920 x .03 = $27.60) Net Biweekly Pay = $707.02 ($920-$212.98 = $707.02)

Problem #2 Food = 10.8% ($2,435 / $22,500 = .1082 = 10.8%) Rent = 21.3% ($4,800 / $22,500 = .2133 = 21.3%) Utilities = 8.7% ($1,968 / $22,500 = 8.7%) Problem #3 $88.17 $142.54 + $172.98 + $125.32 = $440.84 $440.84 x .20 = $88.168 = $88.17

Credit Card Math Answer Key:

Problem #1 = 1.6% 19.2% / 12 Problem #2 = $3.88 $234.96 x .0165 = 3.8768 = $3.88 Problem #3 = $80.00 $100.00 x 18 = $1,800 (sum of the daily balances from 06/02-06/19) $ 50.00 x 12 = $ 600 (sum of the daily balances from 06/20-07/01) $2,400 / 30 = $80.00 Problem #4 = $469.93 $345.69 + [$123.60 + $34.86 + $87.34 + $100 + $7.89] - [$200.00 + $29.45]


22

Insurance Math Answer Key:


Problem #1 = $529.17

$550 + $560 + $545 + $495 + $510 + $515 = $3,175 $3,175 / 6 = $529.17

Problem #2 = $2,034.88

$1,919.70 x 1.06 = $2,034.88

Problem #3

Down Payment = $55,000 x .10 = $5,500 Amount Financed = $55,000 - $5,500 = $49,500 Total of Payments = $375.45 x 180 = $67,581.00 Finance Charge = $67,581.00 - $49,500 = $18,081 Annual Percentage Rate = .625% x 12 = 7.5%

Problem #4

Payment Date Monthly Payment Interest Payment Principal Payment New Balance

Ist Month $569.59 $475.00 $94.59 $94,905.41

2nd Month $569.59 $474.53 $95.06 $94,810.35

3rd Month $569.59 $474.05 $95.54 $94.714.81

1st: $95,000.00 x .005 = $475.00 $569.59 - $475.00 = $94.59 $95,000.00 - $94.59 = $94,905.41 2nd: $94,905.41 x .005 = $474.53 $569.59 - $474.53 = $95.06 $94,905.41 - $95.06 = $94,810.35 3rd: $94,810.35 x .005 = $474.05 $569.59 - $474.05 = $95.54 $94,810.35 - $95.54 = $94,714.81

Housing Math Answer Key:

Problem #1 Joan would pay $1,250.00 Her insurance plan would pay $4,590.00 $5,890 - $250 = $5,640 $5,840 - $1,250 = $4,590 $5,000 x .20 = $1,000 $1,000 + $250 = $1,250 Problem #2 = 36.8%

$765.00 / $2,076.25 = .3684 = 36.8% Problem #3 = $2.64 $33.00 x 12 = $396.00 $396.00 / 150 = $2.64 Problem #4 Eric would save $44.00 $65 x .60 = $39 $65 - $39 = $26 $26 x 4 = $104 $104 - $60 = $44

Problem #5 $1,000-$500 = $500 $500 x .80 = $400 $500-$400 = $100 $100 + $500 = $600 $4,000-$500 = $3,500 $3,500 x .80 = $2,800 $3,500-$2,800 = $700 $700 + $500 = $1,200 $15,000-$500 = $14,500 $14,500-$5,000 = $9,500 $5,000 x .80 = $4,000 $5,000-$4,000 = $1,000 $1,000 + $500 = $1,500

Total Bill You Pay Pinnacle Pays

$ 1,000 $ 600 $ 400

$ 4,000 $1,200 $ 2,800

$15,000 $1,500 $13,500


23

Paycheck Math Answer Key:

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Problem #1 = $6.00

Account Statement = $523.50 - $134.48 + $472.00 = $861.02 Register = $872.02 - $5.00 = $867.02 Error = $867.02 - $861.02 = $6.00

Problem #2 = $459.38

$435.92 + [ $546.39 + $238.76] - [$609.27 + $126.42 + $20 + $6] = $459.38

Problem #3 = $358.46

$140 + $50 + $50 + $25 + $75 + $125 = $465 $465 - $115 = $350 $350 + $8.46 = $358.46

Problem #4 = $718.00

$75.50 x 50 = $3,775.00 $3,775.00 + $7.00 = $3,782.00 $90.00 x 50 = $4,500.00 $4,500.00-$7.00 = $4,493.00 $4,493.00 -$3,775.00 = $718.00

Money Math Answer Key:

Problem #1 Gross Biweekly Pay = $1,464.50 ($14.50 x 80 = $1,160.00) ($21.75 x 14 = $ 304.50) $1,464.50 Federal Income Tax = $143.52 ($1,464.50 x .098 = $143.52) Social Security = $90.80 ($1,464.50 x .062 = $90.80) Medicare = $21.24 ($1,464.50 x .0145 = $21.24) State Income Tax = $51.26 ($1,464.50 x .035 = $51.26) Income Dues = $14.65 ($1,464.50 x .01 = $14.65) Net Biweekly Pay = $1,143.03 ($1,464.50-$321.47 = $1,143.03) Problem #2 Annual Income = $31,699 ($15.24 x 2080 = $31,699) Annual Real Income = $30,716 ($31,699 / 1.032 = $30,716) Problem #3 Biweekly Gross Pay = $1,230.77 ($32,000 / 26 = $1,230.77)


24

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Problem #1 = 6.6%

6.1% + 6.3% + 6.5% + 6.6% + 7.3% = 6.56% = 6.6% Problem #2 = - 78.4%

152,621 - 32,910 = - 119,711 - 119,711 / 152,621 = - .7843 = -78.4%

Problem #3 = 37.7%

4.31 / 11.44 = .3767 = 37.7%

Problem #4 = $1,086.90 billion

$3,537.1 - $2,450.2 - = $1,086.90

Problem #5 = 8.22%

5.54% + 2.68% = 8.22%

Real Economics Answer Key:

Problem #1 = $28.65

$35.95 x .25 = $8.99 $35.95-$8.99 = $26.96 $26.96 x .0625 = $1.69 $26.96 + $1.69 = $28.65

Problem #2 = $6.63 and 56.5%

$3.50 + $1.60 + $1.20 = $6.30 $6.30 x .0525 = $ .33 $6.30 + $ .33 = $6.63 1,130 / 2,000 = .565 = 56.5%

Problem #3 = 17.5%

20% + 15% + 10% + 25% = 70% 70% / 4 = 17.5%

Problem #4 = 43.3%

$48.45 + $19.44 + $41.41 + $51.09 = $160.39 $160.39 / $370.32 = .4331 = 43.3%

Problem #5 = $131.91

$130.05-$14.03 = $116.02 $116.02 x .01 = $1.16 $14.03 x .05 = $ .70 $1.16 + $ .70 = $1.86 $130.05 + $1.86 = $131.91

Shopping Math Answer Key:


25

Transportation Math Answer Key:


Problem #1 = $8,925.00

$8,500 x .05 = $425 $8,500 + $425 = $8,925

Problem #2 = $1,309.54

$149.88 x 48 = $7,194.24 $6,884.70-$1,000.00 = $5,884.70 $7,194.24-$5,884.70 = $1,309.54

Problem #3 = $12,864.00

$26,800 x .48 = $12,864.00 Problem #4

Amount Financed = $19,679.34

($24,499 + $40) x .06 = $1,472.34 ($24,499 + $40 + $1,472.34 + $168) - $6,500 = $19,679.34

Total of Payments = $22,812.60

$380.21 x 60 = $22,812.60 Finance Charge = $3,133.26

$22,812.60—$19,679.34 = $3,133.26 Total Credit Cost = $29,312.60

$22,812.60 + $6,500 = $29,312.60

Problem #5 = $346.50

2,475/ 25 = 99.0 99.0 x $3.50—$346.50

Real World Math - C.W. Pubcwpub.com/teacher_guides/RWM_Teacher_Guide.pdf · 2017-02-22 · Alignment with CCSS for Reading as noted on page 4. Alicia’s Budget Students will calculate

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