ࡱ> Qy|`  kjbjb 3|c|c0d7X6565656 8,HKpLpLpLk>kl +++++++,.R1d+Qlgkll+opLpLO0,JooolhpLpL+oPl+oo~8\l5H 965nQX5|@z,T,v1ov15oD6565Unit 4: Designing Budgets MEL4E Lesson Outline BIG PICTURE Students will: Refer to and expand on the bulletin board/word wall developed in unit 3 to support the concepts of this unit. Identify the difference between discretionary and non-discretionary spending Design and adjust budgets DayLesson TitleMath Learning GoalsExpectations1I Must Pay, I Could Pay (lesson included)Establish a definition of discretionary and non-discretionary spending using the items on the bulletin board as a starting point. Expand the bulletin board to include expenses not related to accommodations and classify these as discretionary and non-discretionary. Create a graphic organizer to classify discretionary and non-discretionary expenses as fixed or variable expenses.PF 2.1, PF 2.22What Do You Think: Must or Could? (lesson included)Analyze case studies to determine which items are contextually discretionary vs. non-discretionary. Defend their understanding of the terms to prove or refute generalizations.PF. 2.1, PF2.23What is a Budget? (lesson included)Prepare a placemat on the concept of budget. Consolidate with a class Frayer Model of a budget. Brainstorm connections between the graphic organizer (Day 1) and the Frayer model. Design a budget template.PF. 2.3, PF2.44More on Budgets (lesson included)Analyse (e.g. use case studies, Jigsaw groupings) a variety of budgets set in context in various phases of a persons life, (e.g. single, married, with children, retired) and various sources/levels of income (e.g. employment, welfare, unemployment) Modify budget template based on analysis.PF. 2.3, PF2.45Paying for Accommodation (lesson included)Identify and describe the factors to be considered in determining the affordability of accommodation in the local community. Discuss the need to consider a monthly payment for owning that includes mortgage payment, property taxes, and house insurance. Estimate monthly payments by type of owned accommodation within the local community (Refer to data on the bulletin board.). Discuss the proportion of the monthly budget that should be allocated to accommodation.PF. 2.56Preparing Budgets (lesson included)Prepare monthly budgets based on given case studies with and without technology. Explore the proportions of each item in the budget.PF. 2.47 That Changes It (lesson included)Adjust monthly budgets based on changes of circumstance for the case studies with and without technology.PF. 2.68 - 12Career Search Culminating Task for Units 2,3,4 (included)Investigate a career of choice. Estimate likely net income from the career based on tax and other deductions. Develop a detailed monthly budget with rationale. (may be able to connect to Unit 1 for part of the rationale.) Unit 4: Day 1: I Must Pay, I Could PayMEL4E Minds On: 15Learning Goals: Students will: Establish a definition of discretionary and non-discretionary spending using the items on the bulletin board and their own placemats as a starting point. Expand the bulletin board to include expenses not related to accommodations and classify these as discretionary and non-discretionary. Create a graphic organizer to classify discretionary and non-discretionary expenses as fixed or variable expenses. Materials BLM 4.1.1 BLM 4.1.2 Graph paperAction: 50Consolidate: 10Total=75 min Assessment OpportunitiesMinds OnSmall Group ( Discussion Place expenses from the Unit 3 bulletin board on recipe cards for students to manipulate. Ask students to classify the costs into two categories. Set a time frame for their discussion (e.g. in 5 years, 10 years, etc. from now) Whole Class ( Discussion Ask students to share their criteria for placing the costs into the two categories. The goal is for their two categories to resemble costs that are a need and those that are a want. If no group has organized their costs this way than ask groups to share how they organized it. Establish terminology of discretionary and non-discretionary expenses, as well as fixed versus a variable cost.  Word Wall Discretionary expense Non-discretionary expense Fixed Cost Variable Cost Action!Whole Class ( Brainstorm Students brainstorm where they hope to be (in pre-determined time frame) in terms of personal finance. Lead students to discuss items that fit under the financial categories of Leisure, Learning, Luxury, and Lifestyle, and whether they would be a discretionary or non-discretionary expense. Individual ( Activity Individually, students complete BLM 4.1.1 to outline (in writing and/or sketches) major personal financial goals in the designated time frame. This Personal Financial Goals sheet is to be placed in the course portfolio for reflection at the end of the unit. Learning skills (Works Independently)/observation/mental note: Circulate while students complete the BLM and take note of their independent work habits. Whole Class ( 4 Corners Activity Ask students to choose the financial goal category that is most important to them, and go to that corner of the room. Record on the board the tally of numbers in each corner. Ask a sample of students to explain their personal category choice. Pairs ( Discussion Students review their personal financial goals BLM 4.1.1 to determine which items are Needs versus Wants, and record these on BLM 4.1.2. Mathematical Process Focus: Reflecting - Students will Reflect on their personal financial goals to determine how important they are.Consolidate DebriefWhole Class ( Sharing. Ask each group to share an item from each category and explain their choice. Reinforce the concept of discretionary versus non-discretionary expenses. Highlight any observations in regard to their selection of lifestyle and the type of expense. Exploration ApplicationHome Activity or Further Classroom Consolidation Create a bar or circle graph of the data collected during the four corners activity.  BLM 4.1.1: Personal Finance Goals MEL4E Name: _________________________ Date: ____________________ LEISURE  HYPERLINK "http://www.clipartguide.com/_pages/0060-0505-2616-4916.html"  INCLUDEPICTURE "http://www.clipartguide.com/_thumbs/0060-0505-2616-4916.jpg" \* MERGEFORMATINET LEARNING  INCLUDEPICTURE "http://www.fotosearch.com/thumb/GLW/GLW112/gwil11321.jpg" \* MERGEFORMATINET   INCLUDEPICTURE "http://www.designedtoat.com/clipart2/trans2.gif" \* MERGEFORMATINET  LUXURY  INCLUDEPICTURE "http://www.packrat-pro.com/cahsevict.gif" \* MERGEFORMATINET  LIFESTYLE BLM 4.1.2: Need or a Want? MEL4E Personal Financial GoalsNon-Discretionary (Needs or Must Haves)Discretionary (Wants or Could Haves)Are Costs Fixed or Variable?            Unit 4: Day 2: What Do You Think: Must or Could?MEL4E Minds On: 5Learning Goal: Students will: Analyze case studies to determine which items are contextually discretionary vs. non-discretionary Defend their understanding of the terms to prove or refute generalizationsMaterials Chart paper Sticky notes Markers Highlighters BLM 4.2.1 BLM 4.2.2Action: 45Consolidate:25Total=75 min Assessment OpportunitiesMinds OnWhole Class ( Wall Graphic Organizer Write the Titles Non-Discretionary Spending (A Need or a Must Have) and Discretionary Spending (A Want or a Could Have) on chart paper, and divide the charts into 2 columns with the headings Fixed and Variable, and post them. Instruct students to select five expenses from Unit 4 Day 1s graphic organizer (BLM 4.1.1), and post them with sticky notes on the appropriate piece of chart paper under the appropriate heading, according to whether the expense is a Fixed or Variable cost.   If any disagreements arise, save these for consolidation. Action!Pairs( Identify and Classify Assign each pair of students one of the case studies from BLM 4.2.1. Instruct students to highlight each expense as they read the case study. They should then identify expenditures in the case study and classify them as Non-Discretionary or Discretionary. Learning Skills(Teamwork)/observation/rubric: Circulate while students work in pairs and use the ministry learning skills rubric to assess their teamwork. Small Groups ( Comparing Notes Arrange pairs that share the same case study to compare notes. Ask them to come up with a consensus in their group and record on chart paper the expenses for each category. Small Groups ( Presentation Each group presents a summary of their case study, a classification of the expenditures for their case study, and justifies their reasoning. Mathematical Process Focus: Connect students will connect information given in their case study to their own life to classify and justify each expense. Consolidate DebriefWhole Class ( Debate Acknowledge any discrepancies students had when they were classifying their own needs and wants. Divide the students into 2 groups (need, want). Students should then debate controversial items like transportation, clothing, or items from the case studies that generated different categorization. As a class create list of items that are clearly needs and wants, or those which can be either, on the template provided (BLM 4.2.2) and record their reasons for choices. Students should then reassess the placement of their sticky notes from the Minds On activity.Exploration ApplicationHome Activity or Further Classroom Consolidation Write a journal entry to answer the following question: When does a need become a want and when does a want become a need?   BLM 4.2.1 Expenditure Case Study A: MEL4E Single with Dependent(s)  SHAPE \* MERGEFORMAT  In the table below list all expenditure items from this case study and then determine whether items are discretionary or non-discretionary spending and explain why. The first expenditure is completed for you. Expenditure ItemsNon-Discretionary (Needs or Must Haves)Discretionary (Wants or Could Haves)Apartment RentND since must have a place to live.       BLM 4.2.1: Expenditure Case Study B: MEL4E Single, No Dependents  SHAPE \* MERGEFORMAT  In the table below list all expenditure items from this case study and then determine whether items are discretionary or non-discretionary spending and explain why. The first expenditure is completed for you. Expenditure ItemsNon-Discretionary (Needs or Must Haves)Discretionary (Wants or Could Haves)TuitionND since must pay to attend school.       BLM4.2.1: Expenditure Case Study C: MEL4E Couple, No Dependents  SHAPE \* MERGEFORMAT  In the table below list all expenditure items from this case study and then determine whether items are discretionary or non-discretionary spending and explain why. The first expenditure is completed for you. Expenditure ItemsNon-Discretionary (Needs or Must Haves)Discretionary (Wants or Could Haves)Apartment decorations. D since these are not required.      BLM4.2.1: Expenditure Case Study D: MEL4E Couple with Dependents  SHAPE \* MERGEFORMAT  In the table below list all expenditure items from this case study and then determine whether items are discretionary or non-discretionary spending and explain why. The first expenditure is completed for you. Expenditure ItemsNon-Discretionary (Needs or Must Haves)Discretionary (Wants or Could Haves) Mortgage paymentND family must have a safe, inexpensive place to live      BLM4.2.1: Expenditure Case Study E: MEL4E Single with Exceptional Circumstances  SHAPE \* MERGEFORMAT  In the table below list all expenditure items from this case study and then determine whether items are discretionary or non-discretionary spending and explain why. The first expenditure is completed for you. Expenditure ItemsNon-Discretionary (Needs or Must Haves)Discretionary (Wants or Could Haves)Chiropractor feesND to cope with pain     BLM 4.2.2: Are Expenditure Items Discretionary MEL4E or Non-Discretionary Expenses? Expenditure ItemNon- DiscretionaryDiscretionaryUndecided             Unit 4: Day 3: What is a Budget?MEL4E Minds On: 20Learning Goals: Students will: Prepare a place mat on the concept of budget. Consolidate with a class Frayer Model of a budget. Brainstorm connections between the graphic organizer (Day 1) and the Frayer model. Design a budget template.Materials Chart paper Envelopes with budget items on index cards. tape BLM 4.3.1 BLM 4.3.2 BLM 4.3.3Action: 40Consolidate:15Total=75 min Assessment OpportunitiesMinds OnSmall Groups ( Placemat In groups, have students create a placemat on chart paper with the question What is a budget? in the centre of each. They should write individual answers first silently and then summarize the groups ideas in the centre under the question. Whole Class ( Sharing Have groups share their ideas found in the placemat activity and use this opportunity to review terminology and add new terms to the Word Wall. Post the students placemats in the classroom for reference.  Word Wall Budget Income Expense Surplus Shortage Action!Small Groups ( Classification Write the following headings on chart paper and post these on a wall in the classroom: Income, Non-Discretionary Expenses and Discretionary Expenses Prepare envelopes with budget items on index cards (see BLM 4.3.1 for sample budget items - one per index card, including a variety from each category: Income, Non-Discretionary Expenses and Discretionary Expenses.). Distribute the envelopes to groups and instruct them to categorize and tape each item under one of the above headings on the classroom wall. Reasoning & Proving/oral questioning/mental note: Ask groups why they have categorized one or two items and assess their reasoning skills to ensure that students understand the new terms being used. Whole Class ( Sharing Ask for justification for some items from each group. Add to the three categories any items from the Wall Graphic Organizer established on Day 2 that have not already been presented. As a class design a possible budget template. Emphasize that the template is to be used as a basis for the class, but in fact, budgets are tailored to meet individual needs and wants. Refer to BLM 4.3.2 for a sample budget template. Mathematical Process Focus: Connecting students will connect previous lessons and personal life experiences to give input into the class budget template.Consolidate DebriefWhole Class ( Sharing Complete a Definition Chart for Budget, BLM4.3.3. Refer to BLM4.3.3 (teachers notes) for possible statements.Exploration ApplicationHome Activity or Further Classroom Consolidation Find another budget template (e.g. from the internet, a family member or a family friend) and compare the template to the one we created in class today.   BLM 4.3.1: Budget Activity (Teachers notes) MEL4E Distribute envelopes containing sample budget items, one per index card, including a variety from each category: Income, Non-Discretionary Expenses and Discretionary Expenses. Small groups categorize and place each item on a large budget template on the classroom wall. Discuss items from the large budget template. Ask for justification for some items from each group. Collaborate on a budget template with common budget items. Sample Budget Items Income Employment income Investment income Government assistance Tax credit Interest income Investment income Other income Expenses Rent Cable TV Retirement savings Water Mortgage Regular savings Gift fund Property tax Day care Public transportation Insurance License fees Telephone Debt payments Electricity/heat Car payment Income tax Car repairs Gas/oil Parking Eating out Groceries Vacations Clothing Home repairs Furniture Medical/prescriptions Dental Recreation Entertainment Health Club membership Personal care Charitable donations Gifts BLM 4.3.2: Budget Template (sample) MEL4E IncomeJanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecemberTotalEmployment IncomeInterest/DividendsOtherTOTAL IncomeNon-Discretionary ExpensesJanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecemberTotalMortgage/RentUtilitiesTelephoneGroceriesChild carePet careClothingTransportation Gas/fuel InsuranceHealth club duesLife insuranceMedicineVeterinarianDiscretionary ExpensesEntertainmentDining OutVacationSubscriptionsOtherTOTAL ExpensesSurplus/Shortage BLM 4.3.3: Definition Chart MEL4E  BLM 4.3.3: Definition Chart (Teachers Notes) MEL4E  Unit 4: Day 4: More on BudgetsMEL4E Minds On: 5Learning Goals: Students will: Analyse (e.g. use case studies, Jigsaw groupings) a variety of budgets set in context in various phases of a persons life, (e.g. single, married, with children, retired) and various sources/levels of income (e.g. employment, welfare, unemployment) Modify budget template based on analysis.Materials Highlighters Budget Created on day 3 BLM 4.4.1Action: 55Consolidate:15Total=75 min Assessment OpportunitiesMinds OnWhole Class ( Discussion Discuss how various phases in a persons life will affect their budget. The Class Budget Template created on Day 3 will strengthen the idea that a budget is personalized.  Action!Whole Class ( Activity Instructions Create and copy of a blank budget template. Explain the Jigsaw activity to the class. Expert Groups ( Jigsaw Place students into expert groups and give each group one of the Personal Profiles on BLM 4.4.1. Expert groups should read the profile provided, identifying and highlighting important information. Expert groups then analyse the Personal Profile, to fill in the budget template by creating categories for expenses and income for the profile and the amounts for each category. Expectations/Observation/anecdotal comments - Circulate to assist expert groups with clarification of Personal Profile and give feedback to groups as they work through their assigned profile. Numbered Heads ( Jigsaw Use numbered heads to form new groups. Students share with their new group the categories filled in on their budget template. Small groups will discuss and share with the class common and unique categories used in their Personal Profile. As the groups present, list the common and unique categories that are generated. Mathematical Process Focus: Problem Solving students will problem solve to determine the categories for their personal profiles budget.Consolidate DebriefWhole Class ( Discussion Revise the Class Budget Template according to common and uncommon categories presented by the small groups. This updated Class Budget Template will be used for the remaining unit lessons. Concept PracticeHome Activity or Further Classroom Consolidation Complete practice problems involving percent and proportions as assigned. BLM4.4.1: Budget Profile A MEL4E  In your small group, read the profile below.   Use one highlighter to identify all sources of income. Write in all income amounts on the Class Budget Template. Total the income for each month. Use a different coloured highlighter to identify all sources of expense. Write in all expense amounts on the Class Budget Template. Estimate other possible expenses for this Profile (e.g. everyone needs to eat food; estimate an amount for Groceries &/or Eating Out). Total the expenses for each month. Subtract the Total Expenses from the Total Income for each month. A Surplus is when your Income minus Expenses = a positive number. A Shortage is when your Income minus Expenses = a negative number. Calculate the Surplus/Shortage amounts on the Class Budget Template.  BLM4.4.1: Budget Profile B MEL4E  In your small group, read the profile below.   Use one highlighter to identify all sources of income. Write in all income amounts on the Class Budget Template. Total the income for each month. Use a different highlighter to identify all sources of expense. Write in all expense amounts on the Class Budget Template. Total the expenses for each month. Subtract the Total Expenses from the Total Income for each month. A Surplus is when your Income minus Expenses = a positive number. A Shortage is when your Income minus Expenses = a negative number. Write in all Surplus/Shortage amounts on the Class Budget Template.  BLM4.4.1: Budget Profile C MEL4E  In your small group, read the profile below.   HYPERLINK "http://www.clipsahoy.com/webgraphics/as0124.htm"  INCLUDEPICTURE "http://www.clipsahoy.com/clipart/as0124tn.gif" \* MERGEFORMATINET  Use one highlighter to identify all sources of income. Write in all income amounts on the Class Budget Template. Total the income for each month. Use a different highlighter to identify all sources of expense. Write in all expense amounts on the Class Budget Template. Total the expenses for each month. Subtract the Total Expenses from the Total Income for each month. A Surplus is when your Income minus Expenses = a positive number. A Shortage is when your Income minus Expenses = a negative number. Write in all Surplus/Shortage amounts on the Class Budget Template.  BLM4.4.1: Budget Profile D MEL4E  In your small group, read the profile below.   INCLUDEPICTURE "http://www.fotosearch.com/thumb/ARP/ARP116/Bshl_M_C.jpg" \* MERGEFORMATINET  Use one highlighter to identify all sources of income. Write in all income amounts on the Class Budget Template. Total the income for each month. Use a different highlighter to identify all sources of expense. Write in all expense amounts on the Class Budget Template. Total the expenses for each month. Subtract the Total Expenses from the Total Income for each month. A Surplus is when your Income Expenses = a positive number. A Shortage is when your Income Expenses = a negative number. Write in all Surplus/Shortage amounts on the Class Budget Template.  Unit 4: Day 5: Paying for AccommodationMEL4E Minds On: 10Learning Goal: Students will Identify and describe the factors to be considered in determining the affordability of accommodation in the local community. Discuss the need to consider a monthly payment for owning that includes mortgage payment, property taxes and house insurance. Estimate monthly payments by type of owned accommodation within the local community (refer to data on the bulletin board). Discuss the proportion of the monthly budget that should be allocated to accommodation.BLM 4.5.1, 4.5.2, 4.5.3, 4.5.4 Guest speaker from local Real Estate Board Local Home Buyers guides TVM Solver or Online Mortgage calculator Action: 35Consolidate:30Total=75 min Assessment OpportunitiesMinds OnWhole Class ( Brainstorm Pose the question: What factors should be considered in determining the cost of accommodation in this community? See BLM 4.5.1 for possible responses. In respect to these factors, brainstorm possible questions to ask the guest speaker. Eg. What is the percentage of income that can be borrowed from a lending institution for a mortgage? What are some onetime costs when purchasing a home? What are some ongoing expenses when you purchase a home? What is the average price of a single family, multiple family, condominium, etc., accommodations in the local community? Students should record possible questions for use during the presentation. If a guest speaker is not an option review MLS listings at  HYPERLINK "http://www.mls.ca" http://www.mls.ca (see Guest Speaker Notes on BLM 4.5.1) and/or pick up class set of local Home Buyers Guides Action!Whole Class ( Guest Speaker Presentation Handout BLM 4.5.2 & BLM 4.5.3 and instruct students record information from the presentation given on the two handouts. Introduce the guest speaker to the class. He/she should discuss the factors (other than mortgage costs) that should be considered when a person is determining the monthly costs of owning a home in the local community. Ensure students ask questions from the brainstorming session and record answers on their handouts. Consolidate DebriefPairs( Discussion Have students compare what they have written on BLM 4.5.2 & BLM 4.5.3 and fill in any information that they are missing. Expectations/Observation/Checklist Circulate while students share their answers and check to make sure they have filled in the correct answers to the bottom half of the handout. Whole Class( Demonstration Demonstrate how to find the mortgage payments using an online Mortgage Calculator or the TVM Solver by creating and completing 1 or 2 examples. Mathematical Process Focus: Selecting Tools & Strategies students will select appropriate tools to complete calculations regarding mortgages. Pairs( Practice Handout BLM 4.5.4 and have students complete the questions in pairs using the TVM solver or online mortgage calculator. PracticeHome Activity or Further Classroom Consolidation Finish the mortgage calculation worksheet if not completed in class. Create a First Time Homebuyers Checklist using the knowledge gained from todays guest speaker.   BLM 4.5.1: Teacher Notes MEL4E Factors to Consider when buying a house Location Nearby schools Services provided (street lamps, sidewalk cleaning & plowing, public transit, public parks) Amount of competition for homes (are there high rental costs or high rental occupancy rates?) Job availability (more jobs available higher accommodation costs) Proximity to amenities (shopping, daycare, churches, etc.) Reputation of community as good/bad place to live Nearby major transportation arteries such as highways and airports Availability of hospitals, colleges/universities and cultural venues like museums and theatres, etc. Guest Speaker Notes Most local Real Estate Boards have staff willing to speak to a Grade 12 class about the costs involved in buying a first home. Bringing a realtor into a classroom could also work as long as the realtor is willing to talk about home ownership in general, rather than trying to advertise his/her real estate agency. Another useful teaching resource is a little book titled How to Buy Your First Home. It is produced by the Ontario Real Estate Board and is available free of charge from their office at 99 Duncan Mill Rd, Don Mills, ON. Tel: (416)445-9910 or Fax: (416)445-2644. Many local real estate websites require visitors to provide home phone numbers and email addresses to have query replies sent to them. These will cause difficulties since information is not immediately available and realtors will not appreciate answering class queries. Try  HYPERLINK "http://www.mls.ca" http://www.mls.ca for more easily accessible and readily available data for virtually all Ontario communities. Students only need to select a community, a housing type, maximum price range and required home features to access actual real estate listings in their community. Students should be expected to use the mortgage calculator feature and predetermined amortization period and current interest rates to generate approximate mortgage payments. Numerous other online mortgage calculators can be found by typing mortgage calculator in the key word search bar. Students can use these online mortgage calculators to calculate the actual amount paid for a home over the entire amortization period, determine total interest paid and explore how changing frequency or amount of mortgage payments can substantially reduce the total cost of owning a home. NB. 30% is maximum amount of gross family income that is accepted by lenders for mortgage costs (Ontario Real Estate Association). BLM 4.5.2: MEL4E Home Buying Additional Costs Checklist Additional Cost ItemOne-time costOngoing CostApproximate Amount         *Costs of buying a home  =One time costs Down payment Legal fees Inspection fees Taxes  +Monthly costs Mortgage Utilities Maintenance Insurance Property taxes * Adapted from How to Buy Your First Home, pg. 23, Ontario Real Estate Association The maximum percentage of gross income that can go to mortgage costs is __________%. If a familys total gross income is $90 000 then their gross monthly income is: ______________. Therefore, their monthly mortgage payment can be no more than _______________________. BLM 4.5.3: MEL4E Average Accommodation Costs in _____________ (name of local community) Type of Home General Description Low Price High PriceAverage Price Single family Bungalow, 2 bedrooms, built in 1960s, downtown area Single familyBungalow, 3+ bedrooms, brand new, subdivision  Multi-family Townhouse  Multi-family  Duplex Single family 2 story, 3 bedrooms downtownSingle family2 story, 3 bedrooms, subdivision  Condominium       BLM 4.5.4: Mortgage Calculation Worksheet MEL4E Jen and Jon have a combined gross family income of $80 000. They want to buy a duplex that lists at $112 000. a) What is the maximum monthly mortgage payment they can afford? b) What is the monthly mortgage payment on this home assuming a 5.5% interest rate and a 25 year amortization period? Extend your Learning c) What is the total amount paid into the mortgage at the end of the 25-year amortization period? d) How much interest did they pay on this home? e) How much money would Jen and John save if they chose a 15-year amortization period instead of 25 years? BLM 4.5.4: Mortgage Calculation (Solutions) MEL4E Jen and Jon have a combined gross family income of $80 000. They want to buy a duplex that lists at $112 000. a) What is the maximum monthly mortgage payment they can afford?  EMBED Equation.DSMT4  This couple can afford monthly housing costs of up to $2 000 per month. b) What is the monthly mortgage payment they would have to make on this home assuming a 5.5% interest rate and a 25 year amortization period? The required mortgage payment is $683.64 per month (TD Bank mortgage calculator). Extend your Learning c) What is the total amount paid into the mortgage at the end of the 25 year amortization period?  EMBED Equation.DSMT4  The total paid for this home is $205 092.00. d) How much interest did they pay on this home?  EMBED Equation.DSMT4  The amount of interest paid in total is $ 93 092.00. e) How much money would Jen and John save if they chose a 15 year amortization period instead of 25 years? New monthly payments -- $911.46 (TD Bank mortgage calculator) Total paid:  EMBED Equation.DSMT4  Interest Paid:  EMBED Equation.DSMT4  Amt. Saved:  EMBED Equation.DSMT4  EMBED Equation.DSMT4  Changing to a 15 year amortization period rather than a 25 year amortization period results in saving $41 029.20 in interest on this particular mortgage. Unit 4: Day 6: Preparing BudgetsMEL4E Minds On: 5Learning Goals: Students will: Prepare monthly budgets based on given case studies with and without technology. Explore the proportions of each item in the budget.Materials Highlighters BLM 4.6.1, 4.6.2 Computers MEL_U4L6XLS1 or MEL_U4L6QPW1Action: 55Consolidate:15Total=75 min Assessment OpportunitiesMinds OnWhole Class ( Discussion Take up responses to the Day 5 Home Activity. Have students add to their checklist any items that they did not have in theirs.  Action!Small Groups ( Case Studies Arrange the class into 5 groups and give one of the 5 case studies given on BLM 4.6.1 to each group. Instruct students to read through their case study and highlight important information to help them create a budget for their case study. In their groups they should prepare a budget for their case study using the established budget template each student should have their own copy of the budget. Learning Skills/Observation/Rubric assess students learning skills using the learning skills rubric and record for future reference. Pairs( Activity Instruct groups to divide into pairs, and use an electronic spreadsheet MEL_U4L6XLS1 or MEL_U4L6QPW1 to input the values from their budget to check their values for Total Income, Total Expenses and Total Yearly Amounts. Ask students to access the second worksheet in the electronic spreadsheet file, to view graphs that correspond to their budget. Ensure that students save and print their file to be used for Day 7. Mathematical Process Focus: Selecting Tools & Computational Strategies students will use a spreadsheet to complete a budget.Consolidate DebriefSmall Group ( Analysis Each group is to complete the Budget Analysis Worksheet BLM 4.6.2 to explore the proportions of each item in the budget. Exploration ApplicationHome Activity or Further Classroom Consolidation Write a journal entry as follows: Describe two unexpected events that could change the budget of the person in your case study.  BLM4.6.1: Budget Case Study A MEL4E Read the case study below:  Highlight important information you can use to create a budget. Use the Budget Template to fill in appropriate dollar amounts. Estimate other income and expenses that could be assumed from this case study. BLM4.6.1: Budget Case Study B MEL4E Read the case study below:  Highlight important information you can use to create a budget. Use your Budget Template to fill in appropriate dollar amounts. Estimate other income and expenses that could be assumed from this case study. BLM4.6.1: Budget Case Study C MEL4E Read the case study below:  Highlight important information you can use to create a budget. Use your Budget Template to fill in appropriate dollar amounts. Estimate other income and expenses that could be assumed from this case study. BLM4.6.1: Budget Case Study D MEL4E Read the case study below:  Highlight important information you can use to create a budget. Use your Budget Template to fill in appropriate dollar amounts. Estimate other income and expenses that could be assumed from this case study. BLM4.6.1: Budget Case Study E MEL4E Read the Case Study below:  Highlight important information you can use to create a budget. Use your Budget Template to fill in appropriate dollar amounts. Estimate other income and expenses that could be assumed from this case study. BLM4.6.2: Budget Analysis Worksheet MEL4E Name: _______________________ Open the electronic spreadsheet. Please type only in the light shaded areas. Type your dollar amounts for each item into the budget in the spreadsheet. Check your values for Total Income, Total Expenses and Surplus/Shortage. Adjust any values if necessary. Record your Total amounts here: MEL4E BudgetCase Study Name: TOTAL Income$ TOTAL Expenses$Surplus/Shortage$ Go to the Analysis of Budget tab in the electronic spreadsheet file. Answer the following questions: Monthly Income vs. Expenses Which month has the most income? _______________ Which month has the least income? _______________ Which month has the most expenses? _____________ Which month has the least expenses? ______________ Proportions of Total Expenses Which item has the greatest percentage? ___________ Which item has the least? _____________ Does accommodation meet the suggested 25-32% range? ________ Name three expenses that could be eliminated if you didnt have enough income. Unit 4: Day 7: That changes itMEL4E Minds On: 15Learning Goal: Students will: Adjust monthly budgets based on changes of circumstance for the case studies with technology.Materials Chart Paper BLM 4.7.1 BLM 4.7.2 Computers MEL_U4L6XLS1 or MEL_U4L6QPW1Action: 45Consolidate:15Total=75 min Assessment OpportunitiesMinds OnSmall Group ( Brainstorm Arrange students in groups and have them brainstorm unexpected events that could alter a budget. (e.g. car accident, job loss, decrease in work hours). Whole Class ( Sharing Using chart paper to record answer, have groups share events and post the results for future reference.  Action!Individual ( Journal Give one Unexpected Event Card (BLM 4.7.1) to each student and instruct them to respond in their Journals to the following questions: How would you feel if this unexpected event happened to you? What items does this unexpected event affect in the budget? Encourage students to think of multiple consequences of and solutions to the unexpected event. (e.g., car accident could buy another vehicle or use public transportation) Individual ( Performance Task Instruct students to adjust the Excel or Quarto Pro budgets created last day, according to their unexpected event. Remind them that they must ensure they have a balanced budget. Students should print a copy of the adjusted budget for assessment. Curriculum Expectations/Performance Task/Anecdotal: Collect the unadjusted and adjusted budgets from students and assess their ability to adjust to unexpected situations. Mathematical Process Focus: Problem Solving students will problem solve in order to create a balanced budget based on new circumstances.Consolidate DebriefWhole Class ( Sharing Have students share their unexpected event with the class and indicate the effect on their budget. Ask students to volunteer other ideas of how to adjust the budget based on the event. Ask the class to reflect on the brainstorming session from the beginning of class, if most of the events given were negative and ask for more ideas to add to the chart paper of positive events (or visa versa). Discuss the effects that holiday spending and vacationing have on a persons budget. Individual ( Practise Handout BLM 4.7.2 and instruct students to complete the budgets based on their own spending for Part A and based on their dream vacation for part B. Practice ReflectionHome Activity or Further Classroom Consolidation Complete BLM 4.7.2.  BLM 4.7.1: Unexpected Events MEL4E Car Accident Car Insurance costs increase by $50 per month. You need to either buy another vehicle or use public transportation. How would you feel if this unexpected event happened to you? What item(s) does this unexpected event affect in the budget?  Your Dog Died Veterinary bill of $300 for handling the cremation. How would you feel if this unexpected event happened to you? What item(s) does this unexpected event affect in the budget? You Won the Lottery! Your winning ticket: $5000 cash. You need to travel to Toronto to pick up the cheque. How would you feel if this unexpected event happened to you? What item(s) does this unexpected event affect in the budget? Wind Storm The wind causes damage to your property. Shingles will need to be replaced ($4000). How would you feel if this unexpected event happened to you? What item(s) does this unexpected event affect in the budget? BLM 4.7.1: Unexpected Events (continued) MEL4E You Lose Your Job The factory where you earned $15.00 per hour closes. You get a job at a fast food business making $9.25 per hour. How would you feel if this unexpected event happened to you? What item(s) does this unexpected event affect in the budget? Your Mom Is Sick Mom is too sick to take care of herself. She needs nursing care. The cost of a nursing home room is $22000 per year. How would you feel if this unexpected event happened to you? What item(s) does this unexpected event affect in the budget? Grandma Dies Your elderly Grandma dies and leaves you $10 000. How would you feel if this unexpected event happened to you? What item(s) does this unexpected event affect in the budget? Your Computer Stops Working How would you feel if this unexpected event happened to you? What item(s) does this unexpected event affect in the budget? BLM 4.7.2: Budgeting for the Fun Stuff MEL4E Part A: Budgeting for Holiday Expenses Holiday Expenses for ________________ (Christmas/Hanukkah/Ramadan, other) __________ (year)Budgeted AmountActual Amount SpentGifts for Family MembersNameGift IdeaGifts for FriendsNameGift IdeaGifts for OthersNameGift IdeaHoliday Cards and StampsCharity Donation(s)(Christmas) TreeOther DecorationsGift Wrap and other PackagingGift Mailing/ShippingHoliday Baking SuppliesHoliday Meal FoodHoliday Party Food and BeveragesOther: ___________________Other: ___________________Other: ___________________Other: ___________________Other: ___________________ TOTALNote that budgeted amounts will have to be adjusted if you overspend in any area(s). BLM 4.7.2: Budgeting for the Fun Stuff (cont) MEL4E Part B: Budgeting for Vacation Expenses Vacation Budget for _______________ (place) _________________ (date)Budgeted AmountActual Amount SpentTransportation: Air/Rail/Bus/Automobile/OtherAccommodations______________ (place) _____ nts @ $_____/nt______________ (place) _____ nts @ $_____/nt______________ (place) _____ nts @ $_____/nt______________ (place) _____ nts @ $_____/nt______________ (place) _____ nts @ $_____/ntMeals_______ breakfasts @ $______/person x ___ people_______ lunches @ $______/person x ___ people_______ dinners @ $______/person x ___ peopleSnacksSightseeing and Attractions_______________ @ $ _________/person x ____ people_______________ @ $ _________/person x ____ people_______________ @ $ _________/person x ____ peopleActivities (e.g. golfing, bowling)_______________ @ $ _________/person x ____ people_______________ @ $ _________/person x ____ people_______________ @ $ _________/person x ____ peopleSouvenirs/ShoppingMiscellaneous TOTALNote that budgeted amounts will have to be adjusted if you overspend in any area(s). BLM 4.7.2: Budgeting for the Fun Stuff (cont) MEL4E Part C: Reflection 1. What is your total budgeted amount for holiday/vacation expenses? 2. Based on the budgeted amount for holiday/vacation expenses, how far in advance would you recommend that you start saving for these expenses? Explain your reasoning. 3. What will happen if you do not plan well in advance for your holiday/vacation spending? 4. Assume that you have to reduce your holiday/vacation budget by 20%. What is the dollar amount that you must cut from your initial budget plan? 5. Describe 3 ways that you might reduce your holiday/vacation spending. 6. Create a revised holiday/vacation budget worksheet to reflect this 20% reduction in spending. Unit 4: Day 8: Career SearchMEL4E Minds On: 15Learning Goal: Students will Investigate a career of choice.Materials BLM 4.8.1 BLM 4.8.2 Computer Lab Data projectorAction: 50Consolidate:10 Total=75 min Assessment OpportunitiesMinds OnWhole Class ( Exploration Using a data projector, take the class on a tour of the website  HYPERLINK "http://www.ontariojobfutures.ca" www.ontariojobfutures.ca. Highlighting key aspects of the site (e.g. Overview of Ontarios Employment Patterns, Occupational Job Family, etc.) Also take students on a tour of the following website to explore self employment options:  HYPERLINK "http://www.jobsetc.ca/category_drilldown.jsp?crumb=1&crumb=36&category_id=109" http://www.jobsetc.ca/category_drilldown.jsp?crumb=1&crumb=36&category_id=109 Ask students to consider the likelihood of career changes and some of the reasons for career changes. Action!Individual ( Technology Research Handout BLM 4.8.1 and instruct students to fill in the chart by researching 3 careers they would be interested in pursuing over the next 5 10 years. Point out that they will need to write down the websites that they visited as they go. Remind students that the Average Annual Earnings in Ontario reported by Statistics Canada in 2000 was $47 299. (See Unit 1 Day 1) Inform students that BLM 4.8.1 will be collected as part of their Summative Evaluation. Communicating/observation/anecdotal comments circulate while students complete their charts and give students verbal feedback on their work. Mathematical Process Focus: Reflecting students will reflect on their career choices.Consolidate DebriefWhole Class ( Discussion Ask samples of students to share a career choice and explain reason(s) for their choice. Poll students to determine how many career choices pay less than the Average Annual Ontario Income. Ask students to give possible reasons for why some careers pay less than the provincial average. Reflection Home Activity or Further Classroom Consolidation Complete BLM 4.8.2. This will also be collected as part of your Summative evaluation at the end of this unit.  BLM 4.8.1: When I Graduate, I Would Like to Be MEL4E Choice AChoice BChoice COccupation Title Occupational GroupingMain duties (list at least 3) Required Education/Training Employment Prospects (good, bad, growing, unsure, etc.)Characteristics of Occupation (full -time, part-time, self-employed, etc.)Main Industries Average Annual Income Is average annual income higher or lower than average Ontario income?Additional Information  List all websites accessed to complete this chart BLM4.8.2: Careers That Appeal to Me and Why? MEL4E These are the careers that interest me the most: I choose these careers for the following reasons: 1. ________________________________________________________________ 2. ________________________________________________________________ 3. ________________________________________________________________ 4. ________________________________________________________________ 5. ________________________________________________________________ This is how happy I am with the level of expected income: (circle your choice)  EMBED PBrush  EMBED PBrush  EMBED PBrush  Unit 4: Day 9: Likely Career IncomeMEL4E Minds On: 10Learning Goal: Students will Estimate likely net income from their career of choice, based on tax and other deductions.Materials Sticky notes Chart paper BLM4.9.1 BLM4.9.2Action: 55Consolidate:10Total=75 min Assessment OpportunitiesMinds OnWhole Class ( Discussion Display the 10 headings of different occupational groupings on chart paper. Ask students to place a sticky note with their name on it under the occupational grouping for each of their three career choices. Determine the percentage of students wanting a career in each of the occupational groupings. Occupational Groupings: Management; Business, Finance & Administration; Natural & Applied Sciences; Health; Social Science, Education, Government Service & Religion; Art, Culture, Recreation & Sport; Sales & Service; Trades, Transport & Equipment Operators; Primary Industry; Processing Manufacturing & Utilities. Save chart with sticky notes for Day 10. Review terminology as needed: Gross Annual Income Net income Action!Whole Class ( Guided Instruction Demonstrate, using an example, how to determine their likely net income using the guidelines provided on BLM 4.9.1. Individual (Summative Task Instruct students to transfer the annual income for their three career choices found on Day 8 onto BLM 4.9.1. For each career choice, the students determine their likely net income based on the guidelines on BLM 4.9.1. Remind students to keep all handout sheets as these are part of the Summative Task. Expectations/observation/anecdotal comments Assess students understanding of calculations while circulating in the class assist struggling students or address misconceptions with individuals or the whole class if needed. Mathematical Process Focus: Selecting tools and computational strategies students will use computational strategies to complete calculations needed for BLM 4.9.1.Consolidate DebriefWhole Class ( Discussion Question students about how they feel regarding the actual amount of gross pay that is available for spending purposes. Ask students to estimate the percentage of pay that goes to tax and other deductions.  ReflectionHome Activity or Further Classroom Consolidation 1. Complete any unfinished worksheet explanations or calculations. 2. Rank your three career choices and provide rationale for your ranking on BLM 4.9.2. Remember to keep this neat as it is part of your Summative.  . BLM 4.9.1: Determining Likely Net Income MEL4E The annual income that you found for each career choice is not what an employee will actually have to spend. The deductions that may come off your pay cheque are shown below. (Check off all those that apply to your selected career.) Career Choice #1 ______________________Career Choice #2 ______________________Career Choice #3 ______________________Expected Annual Income ________________Expected Annual Income ________________Expected Annual Income ________________Check all Applicable Deductions from this Income % Income tax (both federal and provincial) % Employment Insurance Premiums % Canada Pension Plan Premiums % Union Dues % Health/Dental Benefits % Retirement Plan List any others % _______________ % _______________ % _______________ Check all Applicable Deductions from this Income % Income tax (both federal and provincial) % Employment Insurance Premiums % Canada Pension Plan Premiums % Union Dues % Health/Dental Benefits % Retirement Plan List any others % _______________ % _______________ % _______________ Check all Applicable Deductions from this Income % Income tax (both federal and provincial) % Employment Insurance Premiums % Canada Pension Plan Premiums % Union Dues % Health/Dental Benefits % Retirement Plan List any others % _______________ % _______________ % _______________  Follow the table below in order to calculate your take home pay. Canada Pension Plan4.95% of gross pay, up to a maximum of $1831.50 per yearEmployment Insurance1.98% of gross pay up to a maximum of $772.20 per year.Income Level **(after EI and CPP have been deducted)**Up to and including $35 000Next $35 000 (up to and including $70 000)Next $35,000 (up to and including $105 000)Percentage Deductions21 %31%37% BLM 4.9.1: Determining Likely Net Income (Cont) MEL4E My 1st Career Choice is: _______________________________________________ The expected gross annual income for this career is: _____________________ The approximate percentage of income tax that I will pay is: ________________ My approximate take-home pay will be: __________________________________ Calculations: CPP Deductions: EI Deductions: Taxable Income: Income Tax Deductions: Net Income: Monthly Net Income: BLM 4.9.1: Determining Likely Net Income (Cont) MEL4E My 2nd Career Choice is: ______________________________________________ The expected gross annual income for this career is: ______________________ The approximate percentage of income tax that I will pay is: _______________ My approximate take-home pay will be: _________________________________ Calculations: CPP Deductions: EI Deductions: Taxable Income: Income Tax Deductions: Net Income: Monthly Net Income: BLM 4.9.1: Determining Likely Net Income (Cont) MEL4E My 3rd Career Choice is: ______________________________________________ The expected gross annual income for this career is: ______________________ The approximate percentage of income tax that I will pay is: _______________ My approximate take-home pay will be: _________________________________ Calculations: CPP Deductions: EI Deductions: Taxable Income: Income Tax Deductions: Net Income: Monthly Net Income: BLM 4.9.1: Determining Likely Net Income MEL4E (Sample Solutions) My chosen career pays approximately $31,500 annually. Calculate Deductions CPP Deductions:  EMBED Equation.DSMT4  Since this is less than the maximum, CPP deductions are $1559.25. EI Deductions:  EMBED Equation.DSMT4  This amount does not exceeds the maximum so EI deductions will be $623.70 Taxable Income: Gross Income CPP EI = Taxable Income  EMBED Equation.DSMT4  Income Tax Deductions: 21% on the first $35000 of income:  EMBED Equation.DSMT4  Total Income Tax Payable is $6615.00. Net Income: Gross Income (CPP + EI + Income Tax) = Net Income  EMBED Equation.DSMT4  Monthly Net Income:  EMBED Equation.DSMT4   EMBED Equation.DSMT4  /month Therefore an annual income of $31,500 results in a gross annual income of $22,702.05 or approximately $1891.84 each month in take-home pay. BLM 4.9.1: Sample Calculations (continued) MEL4E My chosen career pays approximately $44,000 annually. Calculate Deductions CPP Deductions:  EMBED Equation.DSMT4  Since this is more than the maximum, CPP deductions are $1831.50. EI Deductions:  EMBED Equation.DSMT4  This amount is exceeds the maximum, therefore EI deductions will be $772.20 Taxable Income: Gross Income CPP EI = Taxable Income  EMBED Equation.DSMT4  Income Tax Deductions: 21% on the first $35000 of income:  EMBED Equation.DSMT4  Balance of income:  EMBED Equation.DSMT4  31% income tax on the next $6396.30:  EMBED Equation.DSMT4  Total Income Tax Payable:  EMBED Equation.DSMT4  Net Income: Gross Income (CPP + EI + Income Tax) = Net Income  EMBED Equation.DSMT4  Monthly Net Income:  EMBED Equation.DSMT4   EMBED Equation.DSMT4 /month Therefore an annual income of $44,000 results in a gross annual income of $32,063.45 or approximately $2671.95 each month in take-home pay. BLM 4.9.2: Ranking My Career Choices MEL4E  Occupation Expected Net IncomeReason(s) for RankingCareer Choice #1  Career Choice #2  Career Choice #3   Unit 4: Day 10 to12: Culminating Task for Units 2,3,4MEL4E Minds On: 60Learning Goal: Students will: Develop a detailed monthly budget with rationale.Materials Deck of cards BLM 4.10.1, 4.10.2, 4.10.3, 4.1.1, & 4.7.1 Class Budget Template ComputersAction: 90Consolidate:75Total=225 min Assessment OpportunitiesMinds OnWhole Class ( Guided Discussion Instruct students to add to their sticky note the gross and net income for each of their careers. Determine the range of net incomes for each of the groupings. and select one of these ranges to discuss the budget items that would e affected by the range of income. give students a copy of the class budget template for reference. Small Groups ( Placemat Arrange students in groups and have one student randomly select a card cut out from BLM 4.10.3. Each card gives one piece of information about a person that would have some affect on their budget. Groups should then complete a placemat by individually writing down the budget items that they think would be affected by the piece of information and then come to a consensus as a group in the centre of the placemat. Small Groups ( Presentation Have groups present their conclusions to the class. Learning Skills/Presentation/Rubric use the learning skills rubric to assess the groups during the presentations.  Action!Individual ( Performance Task 1 Handout Budget Activity BLM 4.10.1 and assign each student a personal profile. (refer to BLM 4.10.3 for instructions on the random personal profile selector.) Instruct students to develop a detailed monthly budget based on their profile and submit a paper and electronic copy of a rough plan for their budget using the Class Budget Template created on day 4. Expectations/observation/anecdotal - Circulate and assist students with budget estimates and ensure students focus on budget items that fit their profile. Mathematical Process: Problem Solving students will problem solve in order to complete a balanced budget for their profile, Individual ( Adjusting Budget Activity Assign each student an Unexpected Event Card using BLM 4.7.1 and instruct students to adjust their budget accordingly. Consolidate DebriefWhole Class ( Presentation Students present the results of their Budget Activity with the class, choosing their presentation method. Evaluate the presentations using BLM 4.10.2 ReflectionHome Activity or Further Classroom Consolidation Complete a new Personal Finance Goals Frayer Model (BLM 4.1.1). When completed, compare your new Frayer model to your original Frayer from Day 1. Write a journal to reflect on any changes, additions &/or omissions.Ensure you handout a new copy of 4.1.1 so students have something to compare to. BLM 4.10.1: Culminating Task: Budget MEL4E Name: _____________________ Overall Project Description: For this culminating task you will: Develop a detailed monthly budget based on your given Personal Profile. Adjust this budget based on unexpected circumstances. Present your findings to the class. Personal Profile Select a random personal profile. Use the information given for your family situation, accommodation and transportation to develop expenses for your budget.   Refer to the Career Research and Income Tax activities completed earlier in this unit to develop your net income for your budget.  BLM 4.10.1: Culminating Task: Budget (continued) MEL4E Budget Create a draft budget using the Class Budget Template designed earlier in this unit. Calculate your net income for each month, your net yearly income, your total monthly expenses for each month and total yearly expenses for each item.  Using a computer spreadsheet and the Class Budget Template, draft an electronic version of your budget. Check your calculations from your Class Budget Template with the electronic version. Unexpected Event Select one unexpected event, provided by your teacher.  List all budget items affected by this unexpected event.  Adjust your budget so it stays balanced. Presentation You will present to the class the following information use the next page to help you organize your presentation: Personal profile an overall picture of the person for whom you created the budget. Career a general description of the career chosen for this person including income level and possible deductions. Budget an overview of the total monthly income and expenses, including the total yearly income and total yearly expenses. Identify any surplus or shortage. Unexpected Event provide a general description of the unexpected event, including budget items affected and options to recover from this event. Your rational ensure that you justify all your budget changes from the unexpected event You may choose your own presentation method. Some suggestions are listed below: Read aloud a written report Poster Electronic presentation (PowerPoint) Oral descriptions with supporting pictures Painting, sketch or music depicting the mood of the unexpected event Read aloud a letter written to a friend, family or diary telling of the unexpected event, including a response to this letter. Chart a list of affected budget items from the unexpected event and some options to recover BLM 4.10.1: Culminating Task: Budget (continued) MEL4E Presentation Guidelines Personal Profile: Detailed description of family situation: Provide details such as spouses name, age, kids names and ages, how long together, how long as single parent, leisure interests, any diseases/disorders, etc. Detailed description of accommodation: Provide details such as where home is, distance from work, schools, shopping, age of home, size of home, state of repair, size of yard, etc. Detailed description of transportation: Provide details such as type & size of vehicle, its age and state of repair, gas mileage, distance traveled per week/month, etc. Career: Detailed description of career: Provide details such as title of career, business you work for, amount of hours per week, type of pay, etc. My expected Gross Income is: $___________________________ Calculated yearly Net Income is: $___________, Monthly Net Income $___________ Budget: Detailed description of your budget: Provide details of income per month and expenses per month. Include both discretionary and non-discretionary expenses. Unexpected Event: Detailed description of your unexpected event: Provide details of other budget items affected by this unexpected event. How did the unexpected event affect your budget surplus or shortage? And why did it affect it this way? BLM 4.10.2: Culminating Task for Unit 2, 3, and 4 MEL4E Mathematical Process/Curriculum ExpectationsBelow Level 1Level 1Level 2Level 3Level 4Problem Solving Identifies dollar amounts for budget items based on Personal Profile PF 2.4No evidence of researching dollar amount for budget items based on Personal ProfileLittle evidence of researching dollar amount for budget items based on Personal ProfileSome evidence of researching dollar amount for budget items based on Personal ProfileSufficient evidence of researching dollar amount for budget items based on Personal ProfileFull evidence of researching dollar amount for budget items based on Personal ProfileTools & Strategies Calculates totals and balances budget PF 2.1, 2.4No evidence of calculating totals or balancing budgetLittle evidence of calculating totals or balancing budgetSome evidence of calculating totals and balancing budgetSufficient evidence of calculating totals and balancing budgetFull evidence of calculating totals and balancing budgetCommunicating Shares budget results with class PF 2.3, 2.4, 2.5Not effective at sharing budget information with classLimited effectiveness of sharing budget information with classSome effectiveness of sharing budget information with classConsiderable effectiveness of sharing budget information with classHigh degree of effectiveness of sharing budget information with classConnecting, Reasoning & Proving Justify affected budget items from Unexpected Event PF 2.4, 2.6No evidence of justifying affected budget itemsLimited effectiveness of justifying affected budget itemsSome effectiveness of justifying affected budget itemsConsiderable effectiveness of justifying affected budget itemsHigh degree of effectiveness of justifying affected budget items PF 2.1 Categorize personal expenses and non-discretionary or discretionary PF 2.3 Read and interpret prepared individual or family budgets, identify and describe the key components of a budget, and describe how budgets can reflect personal values PF 2.4 Design, with technology and without technology, explain, and justify a monthly budget suitable for an individual or family described in a given case study that provides the specifics of the situation PF 2.5 Identify and describe factors to be considered in determining the affordability of accommodation in the local community PF 2.6 Make adjustments to a budget to accommodate changes in circumstances, with technology BLM 4.10.3:Teach Notes MEL 4E Minds On Budget Descriptions for Brainstorming Cut out the cards below and place them into a container for groups to select from. Each group will brainstorm budget items that are affected by the topic. For example: Owning a car I will need to pay for: gas, insurance, repairs, general maintenance, parking fees, etc. SingleOwn homeOwn motorcycle or truckCoupleRentWalks owns no vehiclesChildrenOwn new vehicleUses public transportationRetiredOwn used older vehicleOwns a pet Random Personal Profile The Culminating Task for Unit 4 includes developing a detailed budget with a rationale. The circumstances for which to base the budget will be determined randomly using a deck of playing cards. You will need a regular deck of playing cards, Jokers included. Shuffle the cards well and let each student pick a card. Family Situation Spades singles Clubs couple Diamonds - couple with dependents Hearts single parent Accommodation Face Cards own their home, condo, trailer, etc. Number Cards rent home or apartment Transportation Ace, 2,3,4,5 own an automobile 6,7,8,9,10 use public transit Jack, Queen have a motorcycle or truck King - walk Joker Any student who picks a Joker has collected a WILD CARD. They will have the choice to create their own family situation, accommodation and transportation scenarios. However, the teacher must review and approve the choices before the student begins his/her monthly budget calculations.     MEL4E: Unit 4 Budget (Draft August 2007) Last saved  DATE \@ "dd/MM/yyyy" 25/09/2007  TIME \@ "h:mm am/pm" 1:45 PM  PAGE 14 MEL4E: Unit 4 Budget (Draft August 2007) Last saved by  LASTSAVEDBY Our House DATE \@ "dd/MM/yyyy" 25/09/2007  TIME \@ "h:mm am/pm" 1:45 PM  PAGE 57 Me in _____ Years Jan is a 28 year old single mom with a six year old daughter. She is currently attending school to obtain her high school diploma. Jan works at a part-time job two evenings a week and all day Sunday. She also receives mothers allowance so that she can finish school. Jan and her daughter live in a small two bedroom subsidized housing apartment where utilities are included in her rent. Jan goes to school when her child (Jenna) is also at school, so she has no daycare expenses on weekdays. Jans sister looks after Jenna for free when Jan works. Jan pays her sister or another sitter when she goes out in the evenings or on weekends with her friends. Sometimes Jan hires a babysitter so that she is able to focus on her studies to complete assignments or to study for upcoming exams (at the library). Jan had to pay $50 for an annual membership to the library where she can use their computers to do research. Jan can walk to her school from home, and her daughter is bussed to school. Jan can also walk to a local convenience store, but must take the bus to do other grocery shopping and marketing. Jan often takes a taxi back from marketing if she is tired or has a lot to carry. Jan has to work hard to make ends meet so she usually shops for clothing for herself and her daughter at second-hand stores. When Jan really wants clothing for a special occasion she goes to her mothers to use the family sewing machine to make the item herself. Although Jan must be very careful about her spending, she buys coffee each day on her way to school. She always brings her lunch from home since she likes to work on homework and eat at the same time. In case of an emergency, Jan tries to put aside $20 a week as savings for a rainy day. Dharka is a 22 year old single male who has completed high school and is attending community college in a city that is 100 km from his parents home. Dharka currently has no dependents. Dharka received an OSAP loan of $6800 to attend college and his parents give him an allowance of $100 per week while he is attending school. Dharka works in the summers to earn money to help pay for his education. Last summer Dharka saved $3250 from his summer job. His tuition fees are $3000 for the school year and his residence/dining hall fees are $5200. Books and other supplies cost $950. Dharka can walk to all classes, the library and to the dining hall from his residence building. Dharka is a very conscientious student who works in the campus library most evenings and on weekends. However, Dharka misses his mothers traditional cooking and his younger brothers and sisters, so he tries to go home for one weekend each month. The return bus ticket costs him $38.00 (student rate). Dharka has an aunt and an uncle who live just outside of the city where he goes to school. He visits them at least once a week to share a meal and to get his laundry done at the same time. Dharka must take a cab to visit these relatives since the city bus does not travel there. Dharka is also an active member of the Environmental Team at his college. He donates $10 each week to help to publicize ways that students can help the environment while they are at the college. Dharka is a real music fan and he likes to purchase traditional music from his parents homeland whenever he finds CDs on sale. Ling and Lyle have decided to move in together. They have been dating since high school and after two years of working and living at home they have decided they have enough money and solid enough jobs to take the next step. Lyle works as a plumbers apprentice. He generally works 40 hours a week, making about $16.00 an hour. Lyle has two more years to go to complete his apprenticeship and then he will be a ticketed plumber earning anywhere from $60 000 to $90 000 per year. Lyle still has 4 six week college sessions to complete over the next two years. Each 6 week in-school session costs him $800 for the course instruction and materials. Ling is a registered massage therapist who has just completed her two year training program. She has just taken a job working in a holistic healing clinic. Ling has a student loan of $7800 to pay off now that she is working. Ling and Lyle have selected a small one bedroom apartment that has a reasonable rent. Utilities are not included in the cost of rent. They both agree that they will have high speed internet and cable television hook-ups from the time they move in together. Parents and relatives have provided all the basic furnishings they require, so the couple spends their own money decorating the apartment. They both belong to a gym where they work out and swim a few times a week. Because Ling and Lyle are so busy with their work schedules they like to eat out or order out two or three times a week. The couple has also purchased a new car. They chose their new car because the government was offering a rebate since the car is very fuel efficient. Ling uses the car to drive to work, although public transportation is available. Lyle has a company van to get him to various job sites. Ling and Lyle have plans to marry right after Lyle finishes his apprenticeship. Ling wants to be married on a Caribbean Island so the couple is saving each month to be able to have their wedding and honeymoon at the same place. Nash and Nina have been married now for 10 years. They have 3 children, a girl aged 9 and twin boys aged 4. Nash is a diesel mechanic for a trucking firm and Nina works at a restaurant in the evenings only to save babysitting costs. Nash and Nina never seem to have enough money to cover all of their expenses each month, although Nash makes good money and often is asked to work overtime on weekends when he is paid double time. Nina would like to go back to school to earn more money in a daytime job, but wants to wait until the twins are older and there is more money in the bank. Nash and Nina own their house, a fixer-upper they purchased 5 years ago. So far they have only had the money to pay for the mortgage, the insurance, and the repairs that cant wait, like re-shingling the roof, digging a new well and replacing the furnace that quit two winters ago. The car the family owns is an old one, but Nash is mechanically inclined enough to keep it running well enough to use to get both adults to their jobs. They would never trust it anymore to take a driving vacation, so family holidays are restricted to camping at nearby parks in the summer. The children all wear glasses and need braces. Neither parent has an extended health plan that will cover these expenses. All of the children play organized after-school sports, an expense their parents feel is justified to keep them from becoming couch potatoes. Nash and Nina are so anxious to re-insulate their home and add new siding to decrease heating and cooling expenses that they are considering taking out a home improvement loan. Gina has had a rough life. She was involved in a fatal car crash that killed her parents and her older brother. It also left her with serious back problems at 14 years old. Gina is now 18 and has completed secondary school so she has moved out of her foster home to live on her own. Gina receives a small disability pension, a Canada Pension Allowance, because of her deceased parents and a $150 000 insurance payment that she will receive when she turns 19 years old. Gina is planning to buy a duplex with her insurance inheritance. She hopes that if she rents out the other half she will have some income, since she is unlikely ever to be pain free enough to work more than part-time hours at minimum wage at her reception job at a local hotel. Gina visits a chiropractor at least 3 times a week. She also belongs to a pool where she attends aqua fitness classes every week day. Gina is considering trying acupuncture to help to ease her back pain. She takes muscle relaxants and pain medication daily to help her to manage her pain. Gina does not have a medical plan so she must pay for all of these expenses from her pensions and part-time job income. Gina wants to buy an electric bed with a built-in massage pad to help her to cope with her back pain. She is also considering paying someone to clean her house, cut the grass and shovel snow when she purchases her duplex. She feels that her back problems will not permit her to attend to all of the upkeep required in owning and maintaining a property. Gina is frugal when it comes to shopping. She likes to take the time to search for great bargains in groceries, clothing and household items. Gina feels these are areas she has the time for, to keep these expenses to a minimum. She never splurges in these areas of spending. Groceries approximately $150 per week Accommodation: rent apartment, utilities included for $1200 per month Transportation: public transit pass $30 per week Child care: $30 per day per child Total Groceries per month: $150 per week x 52 weeks per year 12 months per year $150 x 52 = $7800 $7800 12 = $650 Total yearly income: $3900 + $100 + $380 = $4380 Part-time job paycheque for $150 paid bi-weekly Birthday gift from Grandma $100 (one time) Income Tax Refund $380 paid in April (one time) Total Part-time job income from above: $150 x 26 = $3900 (26 bi-weekly pay periods in one year) Total yearly income: $3900 + $100 + $380 = $4380 List sources of Income at approximate date(s) List Non-Discretionary Expenses at approximate date(s) List Discretionary Expenses at approximate date(s) Total Income Total Expenses Income Expenses = Surplus ($ not spent) or Shortage ($ owing) Shortage means to adjust budget, looking first at the discretionary expenses A budget is an itemized forecast of an individuals income and expenses expected for a designated period in the future. Expense Examples Budget Income Examples Rules/ Method Definition: (in own words) Expense Examples Budget Income Examples Rules/ Method Definition: (in own words) Personal Profile: Judy Judy is a single woman, 25 years old. Her take home pay is $2314.92/month. She also earns $48 interest per month on her savings account. Judy rents a 1-bedroom apartment for $825/month. She does not own a car and uses public transportation to travel to and from work. Judy also has a student loan for which she repays $258/month. Personal Profile: John John is a 35 year old, divorced man with one child (who lives with his mom). His take home pay is $4123 per month. He pays $1200 per month in child support to his ex-wife. He owns a 2-storey home and his monthly mortgage payments are $475 every 2 weeks. His car expenses total $145 monthly and his car insurance costs him $113 every month. His house insurance is $47.36 monthly. John also has an outstanding credit line of $8500. The only amount due on this account is the interest of about $55 monthly. However John is trying to pay off the credit line within the next 2 years, so he pays off as much of this loan as he can afford each month. Personal Profile: Dave and Anna Dave and Anna are married with 2 young children (ages 5 and 7 years old). Their combined take home pay is $900 per week. They own a town house with a bi-weekly mortgage of $675. Property taxes are $1800 annually. Their car expenses are $160 monthly and their car insurance costs $128 for 2 cars every month. House insurance is currently $35 monthly. Dave and Anna save into an RESP for the children ($200 every month). Personal Profile: Jacob Jacob is 68 years old and retired. From the government he receives a Canada Pension Plan payment of $848/month and he also receives an Old Age Security payment of $484/month. Jacob owns his home now but he must pay property tax of $3000 annually. Jacobs wife died last year and Jacob is still paying off the loan needed to pay legal fees and burial fees. For these Jacob must pay $100/month for 6 more payments. Jacob enjoys golfing (annual club member of $500) and bowling (annual league membership of $100). Jacob usually eats out four nights a week. Jan is a 28 year-old single mom with a 6 year-old daughter, Jenna. She is currently attending school to obtain her high school diploma. Jan works at a part-time job making $10.45/hr two evenings a week and all day Sunday. Jan generally works 16 hours every week while she is in school. During the summer, Jan keeps her part-time job on weekends and works full-time making $12.27/hr for 40 hours a week. She also receives the Canadian Child Tax Benefit, $275/mth. Jan receives a GST tax credit of $150 quarterly. Jan and her daughter live in a small, two bedroom, subsidized housing apartment, for $700/mth where utilities are included in her rent. Jans parents often help to support her by contributing groceries and home cooked meals. Jan goes to school when Jenna is also at school, so she has no daycare expenses on weekdays. Jans sister babysits for free when Jan works. Jan pays her sister or another sitter when she goes out in the evenings or on weekends with her friends. Sometimes Jan hires a babysitter so that she is able to focus on her studies to complete assignments or to study for upcoming exams (at the library). It is normal for Jan to pay for 3 hours of babysitting each week ($5.00/hr). Jan had to pay $50 for an annual membership to the library where she can use their computers to do research. Jan can walk to her school from home and her daughter is bussed to school. Jan can also walk to a local convenience store, but must take the bus to work and do other grocery shopping. Jan has to work hard to make ends meet so she usually shops for clothing for herself and her daughter at second-hand stores. She tries to keep her clothing budget to $35.00 per month. When Jan really wants clothing for a special occasion she goes to her mothers to use the family sewing machine to make the item herself. Although Jan must be very careful about her spending, she buys coffee each day on her way to school. She always brings her lunch from home since she likes to work on homework and eat at the same time. In case of an emergency, Jan tries to put aside $20 a week as savings for a rainy day. Dharka is a 22 year-old single male who is attending community college in a city that is 100 km from his parents home. Dharka received an OSAP loan of $6800 to attend college and his parents give him an allowance of $100 per week while he is attending school. Dharka works in the summer to earn money to help pay for his education. Last summer Dharka saved $3250 from his summer job. His tuition fees are $3000 for the school year and his residence/dining hall fees are $5200. Books and other supplies cost $950. Dharka can walk to all classes, the library and to the dining hall from his residence building. Dharka is a very conscientious student who works in the campus library most evenings and on weekends. However, Dharka misses his mothers traditional cooking and his younger brothers and sisters so Dharka tries to go home for one weekend each month. The return bus ticket costs him $38.00 (student rate). Dharka has an aunt and uncle who live just outside of the city where he goes to school. He visits them at least once a week to share a meal and to get his laundry done at the same time. Dharka must take a cab to visit these relatives since the city bus does not travel there. The taxi ride there and back costs $17.00. Dharka is also an active member of the Environmental Team at his college. He donates $10 each week to help to publicize ways that students can help the environment while they are at the college. Dharka is a real music fan and he likes to purchase traditional music from his parents homeland whenever he finds CDs on sale so he tries to budget some money each week to build his music collection. Jacob is 68 years old and retired. He receives Canada Pension Plan payment $848/mth and he also receives Old Age Security $484/mth. Jacob owns his home but must pay property tax of $3000 annually. Jacob hires a landscape company to mow his lawn and tend to his late wifes gardens. He pays them $100 each week from May to September. Jacob also hires a neighborhood teenager to shovel his driveway in the winter months, paying $30 each time. Jacobs wife died last year and Jacob is still paying off the loan he needed to cover legal fees and burial fees. Jacob pays $100/mth for 6 more payments. Since his wifes death Jacob receives a Survivor Benefit of $100/mth. Jacob enjoys golfing (annual club member of $500) and bowling (annual league membership of $100). Jacob usually eats out four nights a week spending at least $50.00 at restaurants weekly. He regularly plays cards with his neighborhood, spending approximtely $50 each weekend. Jacobs children live nearby. Jacob tries to keep his late wifes tradition of spoiling the grandchildren. He tries to spend around $100 for each birthday. Jacob currently has seven grandchildren. Three of these grandchildren live overseas, so Jacob spends a conderable amount of money on long distance phone calls. Jacob owns two dogs, Goldie and Ben, who are great company. Ben is an older dog, whose teeth are not healthy. The vetrinarian has told Jacob that Ben will soon need to have his teeth pulled. This procedure will cost approximatley $500, not including possible boarding costs. Monthly feeding costs and vet bills usually run about $60.00 each month. Nash and Nina have been married now for 10 years. They have 3 children, a girl aged 9 and twin boys aged 4. Nash is a diesel mechanic for a trucking firm making $45 000 per year and Nina works at a restaurant making $8.75/hr for 4 hours a night during the week, plus tips. Nash and Nina never seem to have enough money to cover all of their expenses each month, although Nash makes good money and often is asked to work overtime on weekends when he is paid double time. Nina would like to go back to school to earn more money in a daytime job, but wants to wait until the twins are older and there is more money in the bank. Nash and Nina own their house, a fixer-up they purchased 5 years ago. So far they have only had the money to pay for the mortgage and house insurance, $800 bi-weekly, and the repairs that cant wait, like re-shingling the roof, digging a new well and replacing the furnace that quit two winters ago. The car the family owns is an old one, but Nash is mechanically inclined enough to keep it running so both adults can get to their jobs. They would never trust it anymore to travel a far distance, so family holidays are restricted to camping at nearby parks in the summer. The children all wear glasses and their daughter needs a retainer ($450). Neither parent has an extended health plan that will cover these expenses. All of the children play organized after-school sports; an expense that their parents feel is justified to keep them from becoming couch potatoes. The children play soccer ($200 per child each season) and are enrolled in swimming lessons year-round, paying $75 for the family for each 12-week session. Nash and Nina are so anxious to re-insulate their home and add new siding to decrease heating and cooling expenses that they are considering taking out a home improvement loan. They expect that they will need to borrow at least $25000.00 for renovations. Gina has had a rough life. She was involved in a fatal car crash that killed her parents and her older brother. It also left her with serious back problems at 14. Gina is now 18 and has completed high school and has moved out of her foster home to live on her own. Gina receives $950/mth from the Ontario Disability Support Program. Because her parents are deceased, she will receive a $150 000 insurance payment when she turns 19 years old in July. Gina is planning to buy a duplex with her insurance inheritance. She hopes that if she rents out the other half she will have some income since she is unlikely ever to be pain free enough to work. Gina visits a chiropractor at least 3 times a week, which costs her $25 per visit. She also belongs to a pool where she attends aqua fitness classes every weekday. Her membership at the pool is paid by the Ontario Disability Support Program. Gina is also considering acupuncture to help ease her back pain. Gina takes muscle relaxants and pain medication daily to help her to manage her pain. Gina gets an allowance of $250/mth for medicine related to her injury. Gina wants to buy an electric bed with a built in massage pad to help her to cope with her back pain. She is also considering paying someone to clean her house, cut the grass and shovel snow when she purchases her duplex. She feels that her back problems will not permit her to attend to all of the upkeep required in owning and maintaining a property. Gina is frugal when it comes to shopping. She likes to take the time to search for great bargains in groceries, clothing and household items. She never splurges in these areas of spending. Gina tries to budget $70.00 per week for groceries, $40.00 per month for clothing and $60.00 each month for household and miscellaneous items. Gina likes to rent at least 2 movies as her entertainment each week. My Personal Profile Family Situation: ________________________________________ Accommodation: ________________________________________ Transportation: _________________________________________ Expenses According to your Personal Profile, estimate amounts for the following budget items and any other items you feel need to be in your budget. Accommodation (20 to 35% of net income): $___________ Utilities (6 to 9%): $___________ Groceries (15-30%): $___________ Transportation (6 to 20%): $___________ Clothing (3 to 10%): $___________ Entertainment (2 to 6%): $___________ Savings (5 to 9%): $___________ ________________________: $___________ ________________________: $___________ ________________________: $___________ Income Career: __________________________________________________ Types of Deductions: ________________________________________ Net income: $_________________ Total Yearly Income: $___________ Total Yearly Expenses: $___________ Surplus/Shortage: $____________ Unexpected Event: _________________________________ Budget Items affected How is it affected (increase/decrease)? ( ( ( ( ( FHIWXYfstu&JKL6 7 8 \ m n , - . 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