ࡱ>  DF=>?@ABCuN5@ bjbj22 hXXF$ dddd0, 2hhvE$i$HR   Д 8  'VtT`\ SNQdBY^a20YLVJL`  `La}^_L_}}}  Dd  dMBF3C Unit 8 (Personal Finance) Outline DayLesson TitleSpecific Expectations1Introduction to Simple InterestB1.12Compound Interest From Simple Interest B1.1, B1.23Finance on a Spreadsheet4Introduction to Compound InterestB1.35Compound InterestB1.3, B1.46Interest Calculations with TVM SolverB1.5, B1.67Review Day8Test Day9Interest and Savings AlternativesB2.1, B2.210Introduction To Credit CardsB2.311Comparing Financial ServicesB2.1 B2.512Vehicles: Costs Associated With OwningB3.1 B3.313Vehicles: Buying or LeasingB3.1 B3.314Vehicles: Buying Old or NewB3.1 B3.3TOTAL DAYS:14 B1.1. determine, through investigation using technology, the compound interest for a given investment, using repeated calculations of simple interest, and compare, using a table of values and graphs, the simple and compound interest earned for a given principal (i.e., investment) and a fixed interest rate over time (Sample problem: Compare, using tables of values and graphs, the amounts after each of the first five years for a $1000 investment at 5% simple interest per annum and a $1000 investment at 5% interest per annum, compounded annually.); B1.2 determine, through investigation (e.g., using spreadsheets and graphs), and describe the relationship between compound interest and exponential growth; B1.3 solve problems, using a scientific calculator, that involve the calculation of the amount, A (also referred to as future value, FV ), and the principal, P (also referred to as present value, PV ), using the compound interest formula in the form A = P(1 + i ) EMBED Equation.3  [or FV = PV (1 + i ) EMBED Equation.3  ] (Sample problem: Calculate the amount if $1000 is invested for 3 years at 6% per annum, compounded quarterly.); B1.4 calculate the total interest earned on an investment or paid on a loan by determining the difference between the amount and the principal [e.g., using I = A P (or I = FV PV )]; B1.5 solve problems, using a TVM Solver in a graphing calculator or on a website, that involve the calculation of the interest rate per compounding period, i, or the number of compounding periods, n, in the compound interest formula A = P(1 + i ) EMBED Equation.3  [or FV = PV (1 + i ) EMBED Equation.3 ] (Sample problem: Use the TVM Solver in a graphing calculator to determine the time it takes to double an investment in an account that pays interest of 4% per annum, compounded semi-annually.); B1.6 determine, through investigation using technology (e.g., a TVM Solver in a graphing calculator or on a website), the effect on the future value of a compound interest investment or loan of changing the total length of time, the interest rate, or the compounding period (Sample problem: Investigate whether doubling the interest rate will halve the time it takes for an investment to double.). B2.1 gather, interpret, and compare information about the various savings alternatives commonly available from financial institutions (e.g., savings and chequing accounts, term investments), the related costs (e.g., cost of cheques, monthly statement fees, early withdrawal penalties), and possible ways of reducing the costs (e.g., maintaining a minimum balance in a savings account; paying a monthly flat fee for a package of services); B2.2 gather and interpret information about investment alternatives (e.g., stocks, mutual funds, real estate, GICs, savings accounts), and compare the alternatives by considering the risk and the rate of return; B2.3 gather, interpret, and compare information about the costs (e.g., user fees, annual fees, service charges, interest charges on overdue balances) and incentives (e.g., loyalty rewards; philanthropic incentives, such as support for Olympic athletes or a Red Cross disaster relief fund) associated with various credit cards and debit cards; B2.4 gather, interpret, and compare information about current credit card interest rates and regulations, and determine, through investigation using technology, the effects of delayed payments on a credit card balance; B2.5 solve problems involving applications of the compound interest formula to determine the cost of making a purchase on credit (Sample Problem: Using information gathered about the interest rates and regulation for two different credit cards, compare the costs of purchasing a $1500 computer with each card if the full amount is paid 55 days later. C3.1 gather and interpret information about the procedures and costs involved in insuring a vehicle (e.g., car, motorcycle, snowmobile) and the factors affecting insurance rates (e.g., gender, age, driving record, model of vehicle, use of vehicle), and compare the insurance costs for different categories of drivers and for different vehicles (Sample problem: Use automobile insurance websites to investigate the degree to which the type of car and the age and gender of the driver affect insurance rates.); C3.2 gather, interpret, and compare information about the procedures and costs (e.g., monthly payments, insurance, depreciation, maintenance, miscellaneous expenses) involved in buying or leasing a new vehicle or buying a used vehicle (Sample problem: Compare the costs of buying a new car, leasing the same car, and buying an older model of the same car.); C3.3 solve problems, using technology (e.g., calculator, spreadsheet), that involve the fixed costs (e.g., licence fee, insurance) and variable costs (e.g., maintenance, fuel) of owning and operating a vehicle (Sample problem: The rate at which a car consumes gasoline depends on the speed of the car. Use a given graph of gasoline consumption, in litres per 100 km, versus speed, in kilometres per hour, to determine how much gasoline is used to drive 500 km at speeds of 80 km/h, 100 km/h, and 120 km/h. Use the current price of gasoline to calculate the cost of driving 500 km at each of these speeds.). Unit 8 Day 1: Finance MBF 3CDescription Introduction to Simple interest. Materials Chalk board BLM8.1.1,8.1.2 Assessment OpportunitiesMinds On Whole Class Think Pair Share Ask the students to think of times in their lives when interest has been used. (ideas may include borrowing from a brother). Ask them to share with a partner and then with the class. Have the students recall what they can about rearranging to rearrange the equation below, share with a partner and then take up with the class. Question: Using your algebra skills, rearrange the formula I = Prt for each of the other 3 variables. Solution: P =  EMBED Equation.3   EMBED Equation.3  EMBED Equation.3 r =  EMBED Equation.3  t =  EMBED Equation.3  Action! Whole Class ( Teacher Directed See BLM8.1.1 Consolidate Debrief . Whole Class ( Discussion Have the students identify the key concepts in the lesson. Always identify which formula to use. State the value of each variable before putting it in the formula. To get the total value of an investment, add the principle and interest Application Home Activity or Further Classroom Consolidation BLM8.1.2 MBF3C BLM8.1.1 Notes Simple Interest Simple Interest: Interest that is calculated only on the original principle, using the simple interest formula I = Prt. Where: P = Principal (the original amt.) r = interest rate ( expressed as a decimal) t = length of time ( expressed in terms of years) Example 1: Show the interest rates as they would appear in the formula as r. (Divide by 100, or move decimal 2 spaces to the right) a) 13% b) 2.5% c) 0.5% = 0.13 = 0.025 = 0.005 Example 2: Express the following lengths of time in terms of years. (t in the formula) a) 24 months b) 8 months c) 14 weeks d) 82 days = 24/12 =8/12 =14/52 =82/365 =2 = 0.67 =0.27 =0.22 Example 3a: Calculate how much interest is earned if $2000 is invested at 4% simple interest for 26 weeks. Solution: I = Prt I = (2000) (4/100) (26/52) I = (2000) (0.04) (0.5) I = 40 $40 in interest was earned. 3b: How much is the investment worth? Solution: A = I + P, where A represents total amount. A = 40 + 2000 A = 2040 The total amount of the investment is $2040. Example 4: What principle is needed to have $500 in interest in 2 years invested at 2.5% simple interest? Solution: P =  EMBED Equation.3  =  EMBED Equation.3  = 10000 $10000 needs to be invested Example 5: What rate of simple interest is needed to get $7000 to grow to $10000 in 5 years? Solution: r = EMBED Equation.3  r =  EMBED Equation.3  r = 0.0857 (change back to %) Therefore a rate of 8.57% is needed. Example 6: How long would it take $1500 to grow to $2000 at a simple interest rate of 3%? Solution: t =  EMBED Equation.3  t =  EMBED Equation.3  t = 11.11 It would take approximately 11 years. MBF3C Name: BLM 8.1.2 Simple Interest Date: Express the following interest rates as (r) in the simple interest formula. a) 6% b) 4.5% c) 1.25% d) 0.85% e) 32% Express the following lengths of time a (t) in the simple interest formula. a) 18 months b) 16 weeks c) 88 days d) 4 years e) 52 weeks Complete the following chart. Principle ($)Interest rate %TimeInterest Earned ($)Total Amount ($)20004.53 months5500.536 months15001.53207.216 weeks100250018 months2756.75240 days55100006 weeks1257801.358 $300 is invested for 2.5 years at 6% simple interest. How much interest is earned? Joe borrowed $500 from his parents to buy an ipod. They charged him 2.5% simple interest. He paid them back in 14 months. How much interest did he pay them? How much did he pay them in total? Peter invested in a GIC that paid 3.25% simple interest. In 36 months, he earned $485. How much did he invest originally? What rate of simple interest is needed for $700 to double, in 3 years? Kadeems investment matured from $1300 to $1750. It was invested at a simple interest rate of 4.25%. How long was it invested for? $4500 was invested at a 5 EMBED Equation.3 % simple interest for 300 days. How much interest was earned? What was the total amount of the investment? $600 is invested at 4% simple interest for 2 years. How much interest is earned? If the interest rate is doubled to 8% is the interest earned doubled? c) If the time was doubled to 4 years, would the interest earned be doubled? Unit 8 Day 2: Finance MBF 3CDescription Calculating compound interest by repeating the simple interest formula. Materials Chalk board, graph paper, BLM 8.2.1 and 8.2.2 Assessment OpportunitiesMinds On Warm up Whole Class ( Discussion Have the students reflect upon how much money they think they could save from now until they are 21, and how much they think it would grow in the bank. Review: Calculate the amount of interest earned if $2000 is invested at 5% simple interest for 1 year. I = Prt I = (2000)(0.05) (1) I = 100 What is the total of the investment? A = P + I A = 2100 If the total value is then invested for 1 year at the same rate, how much interest is earned? I = (2100)(0.05)(1) I = 105 What can you conclude? Interest grows faster when it is added to the principle.Parts a-c can be done individually, and d should be taken up as a classAction! Board note. See blank copy for student handout Finance2.1Whole Class Teacher Led Lesson Compound Interest: Interest that is calculated at regular compounding periods, and then, added to the principle for the next compounding period. Example1: Complete the charts and graphs for the following information. a) $2000 is invested at 7.5% simple interest for 10 years. Year Principle Interest Total amount 0 2000 0 2000 1 2000 150 2150 2 2000 150 2300 3 2000 150 2450 4 2000 150 2600 5 2000 150 2750 6 2000 150 2900 7 2000 150 3050 8 2000 150 3200 9 2000 150 3350 10 2000 150 3500  EMBED MSGraph.Chart.8 \s  b) $2000 is invested at 7.5% interest compounded annually for 10 years. Year Principle Interest Total amount 0 2000 0 2000 1 2000 150 2150 2 2150 161.25 2311.25 3 2311.25 173.34 2484.59 4 2484.59 186.34 2670.93 5 2670.93 200.32 2871.25 6 2871.25 215.34 3086.59 7 3086.59 231.49 3318.08 8 3308.18 248.86 3557.04 9 3557.04 266.78 3823.83 10 3823.83 286.79 4110.62  EMBED MSGraph.Chart.8 \s  Consolidate DebriefPairs (Think Pair Share What can you conclude about the way simple interest grows compared to compound interest? Simple interest grows linearly, while compound interest grows exponentially.Application Concept Practice Differentiated Exploration Reflection Skill DrillHome Activity or Further Classroom Consolidation BLM 8.2.2 MBF3C Name: BLM 8.2.1 Date: Assignment: Compound Interest By Repeating Simple Interest Formula $500 is invested at 2.4% interest compounded monthly for 3 months. Use the simple interest formula to calculate the total amount after 3 months. b) If the principle was not compounded, how would the final amount be different? 2) Complete the charts and graphs for the following information. a) $700 is invested at 9% simple interest for 10 years. YearPrincipleInterestTotal amount012345678910 b) What do you notice about the amount of interest earned each year? c) What is this type of growth referred to as? d) On graph paper, complete a graph of total amount of investment over time. MBF3C Name: BLM 8.2.1 Date: Assignment: Compound Interest By Repeating Simple Interest Formula (continued) 3) $700 is invested at 9% interest compounded annually for 10 years. YearPrincipleInterestTotal amount012345678910 b) What do you notice about the amount of interest earned each year? c) What is this type of growth referred to as? d) On graph paper, complete a graph of total amount of investment over time. 4) Describe a situation where compound interest would not be the better choice. MBF3C Name: BLM 8.2.2 Date: Handout: Finance2.1 Comparing Growth Rates of Simple and Compound Interest Compound Interest: Interest that is calculated at regular compounding periods, and then, added to the principle for the next compounding period. Example1: Complete the charts and graphs for the following information. a) $2000 is invested at 7.5% simple interest for 10 years. YearPrincipleInterestTotal amount020000200012345678910 *On graph paper, construct a graph of total amount of investment over 10 years. $2000 is invested at 7.5% interest compounded annually for 10 years.  YearPrincipleInterestTotal amount020000200012000150215022150345678910 *On graph paper, construct a graph of total amount of investment over 10 years. Compare you two graphs. What do you notice about the way simple interest grows compared to compound interest? Unit 8 Day 3: Finance (optional day)MBF 3CDescription Using spreadsheets to discover the relationship between compound interest and exponential growth. Use spreadsheets to calculate simple interest and compound interest tables. This is an optional day if needed or desired to explore the difference between compound and simple interest.Materials BLM 8.3.1 Assessment OpportunitiesMinds OnWhole Class ( Discussion Teacher leads class in a discussion about compounding. Have they heard the word, and where, and when. They should come up with things like loans and bank accounts and similar ideas. Action!Partners ( Computer Work In pairs the students work through Investigation BLM8.3.1 Consolidate DebriefPartners ( Computer Work When finished the students can work on an extension given by the teacher: How much difference would there be between ______ and _____ (The teacher should give two different scenarios that the students need to calculate)Reflection Home Activity or Further Classroom Consolidation Journal Entry: Compound Interest can help or harm. Explain this comment.  MBF 3C Name: ____________ BLM 8.3.1 Date: _____________ Investigation: Simple Interest vs. Compound Interest Use a spreadsheet program to create the spreadsheet page shown below, note the formulae used in the grey boxes in cells B8 through C12. ABC1Principal$1,000.002Interest Rate5.00%34I = P * r * t5A = P + I6A = P + P * r * tA = P( 1 + r)^n7YearSimple InterestCompound Interest81$1,050.00$1,050.0092$1,100.00$1,102.50103$1,150.00$1,157.63114$1,200.00$1,215.51125$1,250.00$1,276.28 Also add more years to your Year column so that you have values down to 20 years. You should copy the formula cells down rather than type the formula over and over again. Once youve completed the table down to 20 years you should create a chart by selecting everything from cell A7 down to the bottom of your compound interest column. The chart type you should select is a XY Scatter plot. It should look something like the chart shown to the right: MBF 3C Name: ____________ BLM 8.3.1 Date: _____________ Investigation (continued) Describe any patterns you see in the two lines. Simple Interest: Compound Interest: Explain why you think they are occurring: You should be able to change the Principal (cell C1) and Interest Rate (cell C2) values and the graph should automatically update try the following and describe the results. Try changing the Principal amount and describe how the graph changes: Try changing the Interest rate and describe how the graph changes: MBF 3C Name: ____________ BLM 8.3.1 Date: _____________ Investigation: Present Value and Future Value Use a spreadsheet program to create the spreadsheet page shown below, note the formulae used in the grey boxes in cells C3, C4, B7, C11, C12, and B15. PRESENT VALUE CALCULATIONSAmount of Payment$200.00Interest Rate per annum6.00%0.005<-- Interest Rate per IntervalYears112<-- Total number of intervalsCompound Intervals per year12Present Value$2,323.79FUTURE VALUE CALCULATIONSAmount of Payment$200.00Interest Rate per annum6.00%0.005<-- Interest Rate per IntervalYears112<-- Total number of intervalsCompound Intervals per year12Future Value$2,467.11  By changing the appropriate values in the spreadsheet you created, correct/check your homework results on the lessons covered on Present and Future value of annuities. Unit 8 Day 4: Finance MBF 3CDescription Introduction to the compound interest formula.Materials BLM 8.4.1 Assessment OpportunitiesMinds On Pairs ( Discussion Describe how you would calculate the amount of an investment after 3 years if $1000 was invested at 5% compounded annually. Answer: You could use the simple interest formula for one year, and add the amount of interest to the principle to obtain a new principle. Repeat this for 3 years.Interest rate / # of times compounded per year # of times comp. per year x # of years Action! Whole Class ( Teacher Led Lesson You can calculate compound interest by using the formula A = P(1 + i)n where.. A = Total amount of investment (or future value) P = Principle (or present value) i = Interest rate as a decimal, per compounding period n = Total number of compounding periods Other terminology Semi-annually 2 times per year (every 6 months) Quarterly 4 times per year (every 3 months) Bi-weekly- every 2 weeks (26 times per year) Semi-monthly- twice a month (24 times per year) Annually once a year Weekly- 52 times a year (but not 4 times a month) Example 1: Calculate (i) as it would appear in the formula for the given situations. a)6% semi-annually b) 5% weekly c) 1.75% quarterly = 0.06 / 2 = 0.05 / 52 = 0.0175 / 4 = 0.03 = .000961 =.004375 Example 2: Calculate (n) as it would appear in the formula for the given information. Compounded quarterly for 5 years. 4 x 5 = 20 Compounded semi-annually for 18 months 2 x 1.5 = 3 Compounded bi-weekly for 2 years 26 x 2 = 52 Example 3: Calculate the amount of an investment if $500 is invested at 3% compounded quarterly for 3 years.  A = P(1 +i)n A = 500( 1 +  EMBED Equation.3 ) 12 A = 500( 1.094) A = 546.90 Therefore the amount of the investment is $546.90.Consolidate DebriefSmall Group ( Discussion Ask the students to recall the three rules of thumb that were discussed in this lesson. Always identify the value of each variable first. Remember to use BEDMAS Keep all decimal places in your calculator and round to 2 decimal places at the end.Application Home Activity or Further Classroom Consolidation BLM 8.4.1 MBF3C Name: BLM 8.4.1 Date: Introduction to the Compound Interest Formula 1) Evaluate. Round answers to 2 decimal places a) 1000( 1.0097)12 b) 575( 1 + 0.0234)26 c) 900( 1 +  EMBED Equation.3 ) 24 2) Calculate (i) as it would appear in the formula for the given situations. a) 5% quarterly b) 0.3% semi-annually c) 1.25% monthly d) 4.2% bi-weekly e) 0.05% daily f) 12% annually 3) Calculate (n) as it would appear in the formula for the given information. a) monthly for 2 years b) weekly for 3 years c) annually for 36 months d) semi-annually for 30 months e) bi-weekly for 6 months f) daily for 3 weeks 4) complete the chart. Principle Interest rateTime InvestedCompounding FrequencyAmountInterest Earned$3002.3%18 monthsSemi-annually $12001.25%2 yearsWeekly $15750.75%85 daysDaily $87018%3.5 yearsQuarterly $140005.45%9 monthsAnnually  5) If interest is compounded quarterly, how much is earned by: $456.50 invested for 2 years at 8.5% $2550 invested for 4.5 years at 1.33% $5000 invested for 6 months at 0.4% MBF3C Name: BLM 8.4.1 Date: Introduction to the Compound Interest Formula (continued) 6) If interest is compounded semi-annually, how much is earned by: $456.50 invested for 2 years at 8.5% $2550 invested for 4.5 years at 1.33% $5000 invested for 6 months at 0.4% 7) If interest is compounded weekly, how much is earned by: $456.50 invested for 2 years at 8.5% $2550 invested for 4.5 years at 1.33% $5000 invested for 6 months at 0.4% 8) Evaluate. What is the amount of an investment if $650 is invested at 2.45% interest compounded monthly for 3 years? 9) Evaluate Mohammed spent $800 on his credit card. His credit card company charged 18% compounded monthly. He forgot to pay it for 3 months. How much does he owe now? How much of that is interest? Unit 8 Day 5: Finance MBF 3CDescription Continuation of compound interest formula. Materials BLM8.5.1 Assessment OpportunitiesMinds On Whole Class ( Warm-Up Calculate the amount of an investment that was $5000 invested at 4% compounded bi-weekly for 2 years. Answer A = P(1 + i)n A = 5000( 1 +  EMBED Equation.3 )52 A = 5416.10 Action! Whole Class ( Teacher Led Lesson Example 1: How much interest is earned if $2000 is invested at 2.25% compounded monthly for 2.5 years? Solution: A = 2000( 1 +  EMBED Equation.3 )30 A = 2128.85 I = A P I = 2128.85 2000 I = 128.85 Therefore the amount of interest earned was $128.85 Example 2: Suzy is starting college in 4 years and would like to have $4000 when she starts. She has $2500 to invest now, and her bank pays 1.75% compounded semi-annually. Will she have enough? Solution: A = 2500( 1 +  EMBED Equation.3  )8 A = 2680.45 She does not have nearly enough. Example 3: A small town currently has a population of 13000 people. A plant that manufactures calculators has just open in town, and as a result, the population is expected to grow by 3.5% each year for the next 6 years. What will the population be in 6 years?  Answer: A = 13000( 1 +  EMBED Equation.3 )6 A = 15980 The population is expected to be 15980 people.Consolidate Debrief Whole Class ( Summary Before starting any question, be sure to identify each variable. Be clear on what the question is asking. Estimate what you think a reasonable answer should be.Application Concept Practice Home Activity or Further Classroom Consolidation BLM 8.5.1 MBF3C Name: BLM 8.5.1 Date: Compound Interest Continued Calculate the amount of compound interest paid on $3700 at the end of 3 years for each rate. 15% compounded semi-annually 8% compounded quarterly 2.6% compounded weekly 0.67% compounded daily 2) Which investment is better? Explain how you determined your answer. Investment A: 6% compounded semi-annually? Investment B: 4.5% compounded quarterly? Jenny deposited $300 in an account that paid 12% interest compounded semi-annually. If she leaves it there for 6 years, how much will she have? A loan of $5000, at 12% compounded monthly is due to be repaid in 3 years. How much needs to be repaid? Brett and Stevens grandparents gave them each $10000 to use when they go to college in 6 years. Brett invested his in a GIC that paid 2.25% compounded quarterly, while Steven invested his in a GIC that paid 1.75% compounded monthly. Who made more money? How much more? Wayne bought a computer and owes $3000 to the computer store. They charge 7% and compound it quarterly. His payment is due in full in 3 years. How much will he owe them in 3 years? How much will he owe them if he pays it off in 1 year instead? How much will he have saved? Jamals is getting a raise! 2.75% each year for the next 4 years. His current salary is $35500 per year. What will his salary be in 4 years? Unit 8 Day 6: Finance MBF 3CDescription Using TVM solver to solve for other variables as well as total amount. Materials Graphing calculators, Overhead projection screen BLM 8.6.1 Assessment OpportunitiesMinds On .Whole Class ( Two Corners Activity Have the students spilt up based on their answer to the following questions. Can we solve this problem? Why or why not? $500 is invested at 4% compounded quarterly. How long would it take it to grow to $600? Answer: It is asking us to solve for the length of time it is invested for. The variable n is the length of time multiplied by # of compounding periods. It is hard to isolate that variable. Can be demonstrated using the overhead projection screen To solve for the unknown variable, cursor to it, then press [Alpha] [enter] Action! .Whole Class ( Investigation Using the TVM solver on the graphing calculator, we can easily solve for any of the variables. To get to TVM solver: [apps] [enter] [enter] Definitions of the variables N = Number of years I% = Interest rate as a percent (not decimal) PV = Present Value (Principle) PMT = Always set to 0.00 FV = Future value ( final amount (A) ) P/Y = Always set to 1 C/Y = Number of compounding periods per year. Some important notes: Always set number of decimal places to 2 before starting (mode, float, 2) Either PV or FV must be negative. A value must be entered for every variable. Example 1: How much was invested at 4% compounded semi-annually for 3 years if the final amount was $7500? N = 3 I% = 4 PV = 0.00 PMT = 0.00 FV =7500 P/Y = 1 C/Y = 2 Answer: PV = $6659.79 Example 2: What interest rate was charged if a $650 credit card bill grew to $750 in 6 months compounded monthly? N = 0.5 I% = 0.00 PV = 550 PMT = 0.00 FV = -750 P/Y = 1 C/Y = 12 Answer: I% = 28.96Consolidate DebriefWhole Class ( Discussion Have the students reflect upon how technogy has helped us in the past 50 years with personal finance.Application Concept Practice Home Activity or Further Classroom Consolidation BLM8.6.1 MBF3C Name: BLM 8.6.1 Using the TVM Solver Date: The following questions are based on the TVM Solver application of the graphing calculator. State the sequence of key strokes to get to the TVM Solver What do you press to display the value of the unknown variable? What do you have to remember about FV and PV? Which variables should always remain at 0.00 when dealing with compound interest? If it is compounded quarterly, what should the value of C/Y be? State the values that should be entered for each of the variables in the TVM solver. You do not need to solve. Determine the amount of an investment if $600 is invested at 3.5% interest for 7 years compounded semi-annually. How long would it take $4000 to grow to $6000 if it is invested at 2.3% compounded monthly? What interest rate is needed for $10000 to double in 5 years if it is compounded quarterly? What amount needs to be invested at 0.8% interest compounded weekly if you have $650 after 1 year? A deposit of $1550 will grow to $1680.20 in 2 years. What rate of interest is given if interest is calculated annually? 4) Owen invested $3500 in a savings bond. After 2 years he cashed it in for $4235.45. a) What was the rate of interest if it was compounded quarterly? b) What was the rate of interest if it was compounded monthly? c) What was the rate of interest if it was compounded weekly? MBF3C Name: BLM 8.6.1 Using the TVM Solver Date: (continued) 5) Approximately, how long would it take for a $25000 investment to double if it is compounded semi-annually at the following interest rates? 0.5% 2% 5.5% 9% 20% 6) Rochelle needs to have $3000 to buy a car. She can invest her savings in a GIC that pays 5.2% compounded monthly. How much does she need to invest now, if she waits the following lengths of time? 6 months 1 year 2 years 5 years Unit 8 Day 9: Finance MBF 3CDescription Investment and savings alternatives. Materials Internet access, Assignment BLM 8.9.1 Assessment OpportunitiesMinds On Pairs ( Think Pair Share Describe in your own words what a debit card is, and how it works. What are some advantages and disadvantages of using a debit card? Answers will vary: A way to access your money that is in a bank. You can pay bills, make purchase, and obtain or deposit cash to or from your account. Advantages: Easy, convenient, dont need to carry cash, dont pay interest or go into debt. Disadvantages: Fees, dont realize how much you are spending.Action! Board Note Quick Comparison of the 3 types of saving and investment alternatives. Whole Class ( Teacher Directed Investment Alternatives Type Where to obtain it Level of Risk Possible rate of Return Pros Cons Savings\ Chequing account Bank Low Low Can always get at your money Very low Interest rates GIC / Bonds Bank Low Med Safe Easy to obtain Money may be locked in Not great Interest rates Stocks Stock Broker Low high depending on the stocks Neg high depending on the stocks Could possibly make a lot of money Could possibly loose a lot of money Hand out only part one of the assignment. Have the students read thought all of the information carefully before answering any questions. Answers to the assignment may have more than one right answer. Make sure to explain when needed.Consolidate Debrief Whole Class ( Discussion Ask the students to reflect upon the similarities and differences between stocks and bonds.Application Exploration Reflection Home Activity or Further Classroom Consolidation The assignment should be handed in for assessment at the end of the 3rd day. This is an in-class assignment, so it is suggested that it is collected at the end of each period and given back the next day. MBF3C Name: BLM 8.9.1 Date: Comparing Financial Services Assignment Part 1: Investment alternatives You will be using the website  HYPERLINK "http://www.tdcanadatrust.com" www.tdcanadatrust.com to complete this part of the assignment. Choose accounts from the menu at the left. Information about chequing and savings accounts is displayed. Click on each of them, and briefly describe the differences between the two types of accounts. Under the tools menu on the right, select compare savings accounts Which is the only account that has unlimited debit transactions at no extra cost? Which account charges the most for additional transactions? Name 2 additional fees that are charged on some of the accounts. What interest rate would you receive if you had a companion account with $6000 in it? What interest rate would you receive if you had a GIA account with $6000 in it? After comparing the different accounts, which one do you think would be best for you? Why? MBF3C Name: BLM 8.9.1 Date: Comparing Financial Services Assignment (continued) Click on how interest is calculated from the menu at the right. If you scroll down to the notes on the second page you will see this: Daily interest is calculated as follows: Daily closing balance x interest rate for the appropriate tier divided by 365. This means, that if there is a balance of $600 in an account, for a month with 30 days the formula to calculate the interest, if the given rate was 0.05% would be, A = 600(1 +  EMBED Equation.3 )30 A = 600.02 , which means that $0.02 was earned in interest. Calculate the amount of interest earned for the month of May, if $750 is in an account paying 0.06% interest. Click on investing then term deposits and GICs then rate information from the menu at the right. What does GIC stand for? What does the name indicate about the risk factor for this investment? Where can GICs be purchased? MBF3C Name: BLM 8.9.1 Date: Comparing Financial Services Assignment (continued) Read the descriptions for the different types of GICs and decide which would be the best option for the following situations. Explain why. Exclude the US GICs and the specialty GICs. Ralph got a $4000 bonus from work and wants to invest it somewhere, but he also wants to do some home improvements in the next few months and needs to be able to get at the money. Fran is 29 and just inherited $100000. She doesnt need the money now, and wants to invest the whole amount for her retirement. Dave is saving for a trip to Europe next year. He has $1000 to invest in a GIC. Determine the amount of the following investments. How much would an investment of $3000 in a wait and see GIC be worth at the end of a 1 year term? How much would a $10000 investment in a long term deposit be worth in 5 years? MBF3C Name: BLM 8.9.1 Date: Comparing Financial Services Assignment (continued) In general, what is the advantage of having an investment locked in for a longer term? What is a major difference between stocks and bonds? Use the internet to look up the current price for the following stocks Air Canada Sears Microsoft If you had 500 shares in each of the previous companies, how much would your investments be worth? a) b) c) MBF3C Name: BLM 8.9.1 Date: Comparing Financial Services Assignment (continued) You bought 80 shares in Calculators Inc. last month for $0.8564 each. Presently, they are worth $0.6745. How much money have you lost all together? b) Would you want to sell them now? What factors would you consider? Part 2: Credit Cards You will be using the website  HYPERLINK "http://www.tdcanadatrust.com" www.tdcanadatrust.com to complete this part of the assignment. Major credit cards such as VISA and MasterCard are associated with financial institutions. TD Canada Trust for example, is associated with VISA. . Not all credit cards are the same. From the menu on the left, choose credit cards Refer to the chart included in your assignment. 1a) What is the interest rate for all the cards, except for the low interest card? b) Which cards have annual fees? c) Why might someone prefer the TD Elite VISA card, to the TD GM card? MBF3C Name: BLM 8.9.1 Date: Comparing Financial Services Assignment (continued) 2) Describe the type of person who might choose each of the following cards. TD Gold Travel Visa Card TD Emerald Visa Card TD Green Visa Card Credit card bills The following terms may appear on your credit card bill. Define what they mean with regards to a credit card statement. Previous balance Credit limit Available credit New balance Minimum payment Billing date (due date) MBF3C Name: BLM 8.9.1 Date: Comparing Financial Services Assignment (continued) If a payment is made in full by the billing date, no interest is charged. 2)This month, Cindy had a previous credit card balance of $45, bought a sweater for $25.50, paid for a dinner out which cost $55.00, bought a book for one of her classes for $62.25, and treated herself to 3 new CDs which came to $47.62. She had made an early payment of $50. How much would she owe on her due date? If the entire balance is not paid off by the due date, simple interest is charged from the posting date until the due date. 3a) Joseph bought a stereo system on his credit card on May 14th for $2759.43. His due date is May 27th. The interest rate is 19%. He does not make any payments. How much interest would he be charged until his due date? Hint: There are 13 days between May 14th and May 27th, so t =  EMBED Equation.3  b) What is his new balance? MBF3C Name: BLM 8.9.1 Date: Comparing Financial Services Assignment (continued) After that, interest is compounded monthly until it is paid off. c) If Joseph keeps ignoring his bills, how much will he owe on December 27th? Use A = P (1 + i)n How much does he owe in interest? How much does he owe next May? He chose his credit card because it didnt have an annual fee, but he could have chosen a low interest credit card that only charged 6% interest, but had an annual fee of $120. After 1 year, which card would he have been better off with? By how much? 4a) What type of people benefit from a credit card with no annual fee, but a high interest rate? b) What type of people would be better off with a low interest credit card, even if it has other fees? MBF3C Name: BLM 8.9.1 Date: Comparing Financial Services Assignment (continued) Credit Rating You will use the website  HYPERLINK "http://www.equifax.ca" www.equifax.ca to complete the next part of the assignment. 1) Go to the link for credit education centre a) In 100 words or less, summarize what a credit report is. b) List the seven sections that are found in your credit report. c) Click on credit score basics What suggestions do they have to improve your credit score? d) Buying on Credit: Compare 2 different banks credit card charges for a $1500 purchase if the full amount is paid off 55 days later. Comparison of TD Visa Cards  SHAPE \* MERGEFORMAT  Unit 8 Day 10: Finance MBF 3CDescription Introduction to credit cards Materials Internet  Assessment OpportunitiesMinds On Whole Class ( Discussion If credit card companies want people who pay their bills on time and therefore dont get charged interest, how do they make money off of them? Answer: Every time you use your credit card, the merchant gets charged a fee (usually about 3% of the purchase price) for the convenience of allowing customers to use their credit cards. Class discussion: Pros and Cons of Credit Cards Hand back assignment to continue working on. Action! Whole Class ( Discussion Credit Cards Pros Cons Easy to use High amounts of interest are charged if it isnt paid off on time You can purchase things even if you dont have the money right away. Easy to loose track of how much you are spending. Can purchase items over the phone or internet Have to apply for a credit card. Usually have to be over 18 Some credit cards have rewards programs Credit card fraud. Not always safe.  Consolidate DebriefWhole Class (Discussion What are the pros and cons of using plastic credit? Option: The video Chargeit: Credit card secrets (2002) 24 min. is a good overview of how credit cards work. Application Home Activity or Further Classroom Consolidation The entire project is due at the end of the next day. Unit 8 Day11: Finance MBF 3CDescription Work period to complete assignment on comparing financial services. Materials Internet Continue Assignment  Assessment OpportunitiesMinds On Pairs ( Think Pair Share Question: Have you learned anything interesting or surprising while doing this assignment? Collect completed assignments from all studentsAction!Pairs ( Assignment Question: Students will complete parts 1 and 2 of the assignment. Provide individual help to students while they work. Consolidate DebriefWhole Class ( Discussion Address anything that may have arisen from the assignment. .Application Home Activity or Further Classroom Consolidation Homework: Look in newspaper, magazines or internet and find an add for a car you might be interested in (now or in the future). Bring in the add. Unit 8 Day 12: Finance MBF 3CDescription Costs associated with owning a vehicle. Materials Internet, Graphing calculators, BLM 8.12.1 Assessment OpportunitiesMinds On Whole Class (Discussion What things might you consider before choosing a vehicle Possible answers: *What will I be using the vehicle for? *How many passengers? *What features do I need? *How will I be paying for it? *Do I want new or used? Action! Whole Class (Teacher Directed Costs associated with owning a vehicle. Payments for the car. Lease / Finance Insurance Gas Regular maintenance (oil change, tires, wipers etc) Repairs Licence plate / Drive clean emissions test Some of these are fixed costs (you can count on paying them regularly). Others are variable, such as unexpected repair. You will be investigating these costs in your assignment. Be reasonable with the car that you choose. It is not meant be your dream car, it should be a realistic car. Option: The video Vehicle Costs (1992) 15 min. is pretty good at outlining all costs associated with owning a vehicle. It is a bit outdated, so some of the cost seem unreasonable.Consolidate DebriefSmall Group( Discussion Recall the pros and cons about vehicles.Application Home Activity or Further Classroom Consolidation BLM 8.12.1 is due at the end of day 14 of the finance unit. MBF3C Name: BLM 8.12.1 Date: Car Project *Be sure to include all calculations! Part 1: Costs associated with owning a vehicle Look at website of different car dealerships. Choose a vehicle that you might like to own in the near future. You should try to be realistic (dont get carried away). It should be the current model year of the car. State the make, model, and all options that you would choose. Insurance You may use the website  HYPERLINK "http://www.ibc.ca" www.ibc.ca, or others, to help answer the following questions. What is a deductible? b) What happens to an insurance premium when a deductible is lowered? Go to the website  HYPERLINK "http://www.statefarm.com" www.statefarm.com. Follow the links to get an insurance quote. Use the information based on the car you selected. Use your own personal information as much as possible. Example: If you dont have a licence, pretend you do! You may pick whatever coverage you would like. Assume you are the only driver on the car. What are some of the major factors they consider when giving an insurance quote? What was your quote? Based on the factors that are considered, describe a scenario of someone who might have a very high insurance quote. MBF3C Name: BLM 8.12.1 Date: Car Project Gasoline 1a) Estimate the price of gas per litre today. (Youre right, it does vary a lot) What size gas tank does the car you have chosen have? (you may have to look it up) How much would it cost to fill this tank, based on todays price? Look up the fuel consumption for your car. It will be given as litres per 100km. There should be a value for city, and for highway driving. Suggest why you might get better fuel efficiency on the highway. Choose a destination in Canada that you would like to drive to. Use www.mapquest.ca to determine the distance in km to get there. If the whole way was highway driving, how many litres of gas would you need to get there? How much would this cost, based on todays price of gas? MBF3C Name: BLM 8.12.1 Date: Car Project Other Expenses 1a) How often is it recommended to get an oil change? b) Use the internet to look up the price for a basic oil change. Be sure to include tax. You can choose any place that does them. c) If you drive and average of 25000km per year, how much will you spend on oil changes? 2a) When do you need to purchase a licence plate sticker? b) How much does it cost? c) Where can you get it from? d) How often do you have to get a drive clean emissions test? e) How much does it cost? MBF3C Name: BLM 8.12.1 Date: Car Project Part 2: Buying Vs Leasing State which option (buying or leasing) would be better in the following scenarios, and why? A 30 year old business man who drives around all day from client to client. A college student who doesnt have much of a down payment, and a very limited amount to spend per month. An auto mechanic, who enjoys doing all of his own repairs. Newlyweds, who want a sports car for now, but are planning on starting a family in a few years and will need a bigger car. Jeremy wants to put in a huge new stereo system and change the paint job. Make a bill for the car you choose on page 1. Base price: $ _______________ Cost of all options: $ ____________ Other costs (freight, PDI) $1000.00 (estimate) GST 6%: $___________ PST 8%: $ ___________ Total: $_____________ MBF3C Name: BLM 8.12.1 Date: Car Project Financing: 1) Suppose you have $5000 to use as a down payment on the car you are financing. Subtract that from the price of your car. This is the amount you will need to finance. b) Assume your bank is giving you a rate of 2.3% compounded monthly, and paid over a 5 year term. Use the TVM solver of the graphing calculator to determine what your monthly payments will be. Enter these values: N = 60 I% = 2.3 PV = 0.00 PMT = 0.00 (this is what you are finding) FV = the amount you are financing P/Y = 12 C/Y = 12 What will the monthly payments be? At the end of the 5 year term, how much will you have paid in total? (Dont forget to include the $5000 down payment.) Total amount = Monthly payment x 60 + 5000 How much have you paid in interest? MBF3C Name: BLM 8.12.1 Date: Car Project Leasing: Go to  HYPERLINK "http://www.canadiandriver.com" www.canadiandriver.com . From the menu at the left, choose calculators and follow the steps to calculate how much a monthly lease would be for the car you chose. Use a 5 year (60 month) term, and a $5000 down payment. a) Your monthly lease payment is $_______________ b) How much have you paid after the 5 years. Dont forget to add the down payment again. In your lease agreement you are allowed 25000 km per year for free. After that you are charged $0.08 per km. After your 5 year term, you drove a total of 140000 km. How much do you owe? Part 3: New or Used Car State whether it would be better to buy a new or used car, and why, based on the following scenarios. Sue lives in Ontario, but got a 1 year job contract in BC. She needs a car there, but wants to sell it before she moves home again. Eric has his heart set on a certain high performance car. Only a few hundred are made each year, and he is very particular about which options he wants. Jackie commutes about 100km each way to work, and is terrified about her car breaking down. The Reed family is interested in purchasing an extra vehicle for doing errands. MBF3C Name: BLM 8.12.1 Date: Car Project Depreciation: Depreciation is the major disadvantage to buying a new car. A car depreciates in value the most during its first year. Here is a chart that shows the typical depreciation rate of a car. TimeDepreciation (% of previous years value)1st year30%2nd year15%3rd year15%4th year10%5th year8% A Car that costs $25000 new is only worth $17500 after 1 year. 25000 (1 0.3) To figure out the value after the 2nd year it would be 17500(1 0.15) Use this chart to figure out how much your car would be worth after each of the first five years? Based on this information, when is the best time to purchase a used car to get the best value? Why? One of the major disadvantages to buying a used car, is you may not know what you are getting. If you were going to buy a used car, what are 5 important questions you might want to ask the previous owner? Unit 8 Day 13: Finance MBF 3CDescription Buying and Leasing a vehicle Materials Internet, Graphing calculators, Continue assignment Assessment OpportunitiesMinds On Whole Class (Discussion What are some advantages of buying a car vs. leasing a car? Action! Whole Class ( Teacher Directed Financing: If you choose to buy a car, you can either pay for the whole thing right away (many people dont have that much all at once), or you can make a down payment, and finance the rest through your bank, or car company. You will be making monthly payments to pay off the rest, but of course you will be paying interest. Because you are paying interest, the final amount will be more than if you had paid the whole thing right away. Leasing: Leasing is like long-term renting. Usually for a 3 to 5 year term. At the end of the term, you either have to give the car back, or you may have the option to buy it. Consolidate Debrief Whole Class ( Discussion Have the students talk about the major components of their project.Application Home Activity or Further Classroom Consolidation Students can work on the project at home. Unit 8 Day 14: Finance MBF 3CDescription Advantages of buying a new vs. used vehicle. Materials Internet, Graphing calculators, Continue Assignment  Assessment OpportunitiesMinds On Whole Class ( Discussion What things would you consider before deciding to buy a new or used vehicle? Answer: How much money you have to spend, how long you want to keep it, are you worried about repairs, do you want specific options? Action! Whole Class ( Discussion Compare the advantages of buying a new or used vehicle. New Used Warranties. There shouldnt be anything wrong with it. Less money up front You can pick your own options. Dont have to pay all the taxes and fees that you do with a new car. You are the first owner. Value depreciates a lot after the first year, but much less after that. You wont be loosing as much. Consolidate DebriefWhole Class ( Discussion Have the students generate a list of what they have learned about new versus used cars.Application Home Activity or Further Classroom Consolidation Students should finish working on the project at home. It should be due at the beginning of the next period. MBF3C Unit 8Finance Unit Solutions Day 1 BLM8.1.1 a) 0.06 b) 0.045 c) 0.0125 d) 0.0085 e) 0.32 a) 1.5 b) 0.30769 c) 0.24109 d) 4 e) 1 Complete the following chart. Principle ($)Interest rate %TimeInterest Earned ($)Total Amount ($)20004.53 months22.52022.55500.536 months8.25558.2515001.514.222232018204513.897.216 weeks1004613.8925007.3333318 months27527751239.206.75240 days551294.201000010.83336 weeks125101257801.35.7258$45 $14.58, $514.58 in total $4974.36 33.33% 8.14 years $198.80 earned, total investment: 4698.80 $600 is invested at 4% simple interest for 2 years. $48 yes c) yes, if interest still held at 4% Day 2 BLM8.2.2 1.(a) $503.01 b) $503.00 2) Complete the charts and graphs for the following information. a) YearPrincipleInterestTotal amount0700070001700637632700638263700638894700639525700631015670063107877006311418700631204970063126710700631330b) same each year c) linear growth 3) $700 is invested at 9% interest compounded annually for 10 years. YearPrincipleInterestTotal amount07000700170063763276368.67831.673831.6774.85906.524etcetc988.11510776117471279.681394.891520.3101657.2b) It increases each year c) Exponential Growth 4) When you are paying interest on a loan. MBF3C Unit 8 Finance Unit Solutions BLM8.2.2 Example1: Complete the charts and graphs for the following information. a) $2000 is invested at 7.5% simple interest for 10 years. YearPrincipleInterestTotal amount02000020001200015021502200015023003200015024504200015026005200015027506200015029007200015030508200015032009200015033501020001503500 b) $2000 is invested at 7.5% interest compounded annually for 10 years. YearPrincipleInterestTotal amount020000200012000150215022150161.252311.33Etcetc2484.642670.952871.363086.673318.18356793834.5104122.1 Day 4 BLM8 4.1 1) a) 1122.82 b) 1049.18 c) 1627.85 2) a) 0.0125 b) 0.0015 c) 0.001041667 d) 0.0016153846 e) 0.00000136986 f) 0.12 3) a) 24 b) 156 c) 3 d) 5 e) 13 f) 21 4) Principle Interest rateTime InvestedCompounding FrequencyAmountInterest Earned$3002.3%18 monthsSemi-annually310.47 10.47$12001.25%2 yearsWeekly1230.37 30.37$15750.75%85 daysDaily1577.75 2.75$87018%3.5 yearsQuarterly1611.19 741.19$140005.45%9 monthsAnnually14568.44 568.44 5) $83.63 $157.01 $10.01 MBF3C Unit 8 Finance Unit Solutions BLM8.4.1 6) $82.69 $156.74 $10.00 7) $84.52 $157.26 $10.01 8) $699.52 9) $836.54, $36.54 is interest Day 5 BLM8.5.1 $2010.22 $992.49 $300.08 $75.12 2) Investment A ($1000 grows to $1060.9 where in investment B it only grows to $1045.7 in one year!) $603.66 $7153.84 Steven ($13693.18) made 2253.14 more than Brett ($11441.04) $3698.78 $3216.87 $481.91 $39569.05 Day 6 BLM8,6.1 State the sequence of key strokes to get to the TVM Solver ALPHA, ENTER FV value at end, PV value at beginning (usually negative) PMT 4 QuestionNI%PVPMTFVP/YC/Y(a)143.5-6000?12(b)?2.3-400006000112(c)20?-1000002000014(d)520.8?0650152 4.1153% 4) a) 9.5648% b) 9.53952% c) 9.536488% 5) 138.8 years g) 34.8 years h) 12.8 years i) 7.9 years j) 3.6 years MBF3C Unit 8 Finance Unit Solutions BLM8.6.1 6) $2923.17 $2848.31 $2704.28 $2314.45 Day 9-10 (Online Assignment) BLM8.9.1 Part 1: Investment alternatives Chequing used for daily banking and managing of money (paying bills etc) Savings used to build an amount of money to be used at a later date Youth account GIA account Interac withdrawal fees, international fees, bill payment fees 0.25% 3.00% **answers may vary** the Youth account is geared towards a younger clientele (a)$0.04 interest earned. Guaranteed Investment Certificate There is very low or no risk At the bank Wait and See GIC, this allows access to the cash She could use a 5-year GIC to take advantage of the high interest rate, or a Triple Value has the best effective interest rate. A 1 year Long Term GIC or a Money Market GIC. These allow him to keep his money in the account and give a good interest rate. $3082.5 $11905.58 You get a better rate of interest. For some people, not being able to handle it removes the temptation of spending it. Whereas stocks give investors part ownership of a company, bonds are loans made by investors to corporations or governments. Use the website: www.tsx.com 500 multiplied by the share price (a) $14.552 b) Probably not as it is not a lot of money lost and the stock could rebound. Other factors to consider: the way the market is going, any news about the company, if the economy is strong, etc Part 2: Credit Cards 1a) 19.75% b) TD GOLD Travel VISA, TD GOLD Elite VISA, TD Emerald VISA, TD USD Advantage VISA c) There are a lot of benefits with the Elite card, as well, perhaps the person does not want to buy a GM car! 2) someone who does a lot of traveling, especially for business and can use the travel rewards later. Someone who performs a lot of transactions and may not pay off their bill all the time Someone who wants a credit card, but without the annual fee MBF3C Unit 8 Finance Unit Solutions BLM8.9.1 Credit card bills Previous balance the amount of your last bill Credit limit the maximum amount of money you can charge to your card Available credit the credit limit minus your current balance (how much more you can spend) New balance how much you owe the company right now Minimum payment the least amount of payment they are willing to accept. This doesnt mean you wont be charged interest! Billing date (due date) when the bill should be paid 2)$185.37 3a) $18.67 b) $2778.10 c) $3101.02 $341.59 $3354.42 He would owe $2935.89 on his low-rate card which is $418.53 less than the other card. Taking into account the $120 annual fee, he would have saved $298.53 4a) People who always pay off their bills b) People who hold a balance (do not pay off their bills) Credit Rating 1) Go to the link for credit education centre a) A credit report is a summary of your financial history and performance (paying bills on time, etc) with organizations that lend you money (auto dealers, banks, credit cards, etc) b) Personal Identification, Inquiries, Public Record Information, Third-Party Collection Agency, Trade Information, Consumer Statement, Credit Rating c) always pay off your credit card bills, do not overextend yourself when you purchase a car or home, Days 12-14 (Project) BLM8.12.1 Part 1: Costs associated with owning a vehicle 1) ** will vary by student** Insurance 1 (a)The amount of money you pay out at the beginning of a claim. b) The premiums increase (a) age of driver, make of car, gender, driving record (b) ** will vary by student** (c) a young male with a poor driving record who is trying to insure a very expensive car Gasoline 1a) ** will vary by student** (b) ** will vary by student** ** will vary by student ** ** will vary by student There would be less stops and starts on the highway. The start up and initial acceleration usually uses the most gas ** will vary by student ** ** will vary by student ** ** will vary by student ** Other Expenses 1a) every 3 months or every 5000 km b) ** will vary by student ** c) ** will vary by student ** MBF3C Unit 8 Finance Unit Solutions BLM8.12.1 2a) every year. b) $74.00 c) MTO offices, kiosks in malls (Oshawa Centre) d) every other year (odd # year for even # year make of cars). Every year for older models of cars. e) ** will vary by student ** Part 2: Buying Vs Leasing Buying he would probably go over his km limit. Leasing lower monthly payment Buying when the vehicle is older he/she can do the repairs (when it is off warranty) Leasing can change your vehicle after 4 years or so Buying its your car so you can do what you want to it. ** will vary by student ** Financing: 1) (a)** will vary by student ** b) ** will vary by student ** ** will vary by student ** ** will vary by student ** Leasing: Go to  HYPERLINK "http://www.canadiandriver.com" www.canadiandriver.com . From the menu at the left, choose calculators and follow the steps to calculate how much a monthly lease would be for the car you chose. Use a 5 year (60 month) term, and a $5000 down payment. a) ** will vary by student ** b) ** will vary by student ** $1200 Part 3: New or Used Car Used usually you will lose a lot of money if you sell a new car in a short amount of time. New can get exactly what he wants New warranty will give some security for now and will have a longer lifespan Used wont be used much so why spend $ on new when used will do? Depreciation: ** will vary by student ** ** will vary by student ** some will say after 5 years not as much depreciation, but others may say after 1st or 2nd year because its still a fairly new car, but has already lost a lot of its value Why are you selling? What is the gas mileage? What repairs have been done (ask for proof)? Highway or city driving? How many owners? 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T`TT`T#" `    GNH0IkJKLPMN# ^ 0<hS`TS`T[B00"`     `  GHIJ8K'L8MN?"6@ NNN?N B     B S  ?/   R:D;,C-CJQM]`@ ti tw.n&@ - 2@ $t fGtwnt[!tI.t _Hlt141677690 _Hlt141677691 _Hlt141866398 _Hlt141866399@@@@ !- "/#̶!$ %|&Lw'(c!)eeyyffee mmB*urn:schemas-microsoft-com:office:smarttagscountry-region8*urn:schemas-microsoft-com:office:smarttagsCity9*urn:schemas-microsoft-com:office:smarttagsStateV *urn:schemas-microsoft-com:office:smarttagsplacehttp://www.5iantlavalamp.com/     ^_rs I P mt^d  &&H(P(R,U,MMMMsOtOQQTTz\{\nnzz{{ąɅty$ck RWciIPHImn v{?Jlw""++~MMWT_TUU'V4V{VVuuDŽz|=Cmp !%39BFHM{~PV37.lqLM3333333333333333333333333333333333333333333ax s*s***0<0::C;E;<<KKLLLLLLLLMMVNVNOOOOHRHRSSTTgū٬|LP#(>Clq{G=?ac Greg Clarke,Jm7.rZQ2N%" nJN&2Kc6b\!YLA(4; 4t7_}JBL4LO.bOIxv4!z$J0"Ҷ#&.6601> 6m<1no2r>06>RHHd:z(r ;zJ:u<Ԙ‡ >\\&>f#wFά3GvR Hq@w7M $ 8D ` l x Unit 2 (Quadratics 1) OutlinenitDurham District School BoardurhurhNormalD Greg Clarke3egMicrosoft Word 10.0@q@׷@ @47Q$՜.+,D՜.+,DocumentSummaryInformation8CompObj j  L hp  DDSBw{RA Unit 2 (Quadratics 1) Outline Title< 8@ _PID_HLINKSA*/%chttp://www.canadiandriver.com//%`http://www.canadiandriver.com/^]http://www.statefarm.com/}mZhttp://www.ibc.ca/fiThttp://www.equifax.ca/MNhttp://www.tdcanadatrust.com/MHhttp://www.tdcanadatrust.com/  FMicrosoft Word Document MSWordDocWord.Document.89qDSv.S\JP2b̸X4c(|NW2y6z| ^`o()^`.pLp^p`L.@ @ ^@ `.^`.L^`L.^`.^`.PLP^P`L.^`o() ^`hH. pLp^p`LhH. @ @ ^@ `hH. ^`hH. 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