SSHS INTENTIONAL UNIT PLANS 2016-2017
Title of Unit / Lesson Title:
Charge Accounts and Credit Cards
Vehicle Transportation
Housing Costs
Student Learning Outcomes (SLOs)
ACADEMIC EXCELLENCE:
through creative and critical thinking
skills
through effective communication
skills
through being goal oriented and self-
discipline individuals
Design Question Focus of the Lesson (elements from other DQs may be used as support)
Introducing New Knowledge
Learning Goal/ Objective: (based on Standards )
CCSS.MATH.CONTENT.7.RP.A.3
Use proportional relationships to solve multistep ratio and percent problems. Examples: simple interest, tax, markups and
markdowns, gratuities and commissions, fees, percent increase and decrease, percent error.
CCSS.MATH.CONTENT.7.NS.A.3
Solve real-world and mathematical problems involving the four operations with rational numbers.
Learning Targets: (write in the scale below)
2.0 Simpler Content:
I can..
Level 1 (Recall)
Recite, tell, recall, state, repeat, use, name,
match, 5 Ws, define, draw, identify, list,
label, measure, illustrate, memorize,
arrange, report, quote, calculate.
Assessment and Monitoring: (checks for content and desired effect)
Duration of Lesson Date:
(Days):
26 3rd Quarter (SY2016-2017)
Jan. 13, 2017 Mar. 20, 2017
1/16/17 MLK Jr. Day
1/17/17 Prof. Dev. Day
3/6/17 Guam History &
Chamorro Heritage Day
3/20/17 Prof. Dev. Day
CAREER PREPARATION CIVIC ENGAGEMENT
taking initiative and demonstrating innovation awareness of local and
demonstrating professional conduct, global issues
collaboration and other interpersonal skills contributing time and
efficient use of time and resources to achieve talent to community needs
goals
demonstrating the ability to understand and
effectively use relevant technology
Deepening or Practicing Generating and Testing Hypotheses
(teacher language)
(student language)
3.0 Target (Objective/Learning Goal): 4.0 More Complex:
I can.. I can..
Chapter 7:
I can calculate the new balance on a charge
account and compute the finance charge based
on the various methods credit card companies
use.
Chapter 9:
I can compute the costs involved in buying,
leasing, or renting, and the costs of running a
vehicle.
Chapter 10:
I can compute the costs associated with
owning a home, such as a mortgage,
insurance, and maintenance.
Level 2 ( Skill/Concept) Level 3 (Strategic Thinking) Level 4 (Extended Thinking)
Graph, classify, separate, cause/effect, Revise, assess, apprise, construct, Design, connect, synthesize, apply concepts,
estimate, compare, relate, infer, identify critique, compare, investigate, critique, analyze, create, prove
patterns, organize, construct, modify, differentiate, draw conclusions,
predict, interpret, distinguish, make hypothesize, formulate, cite evidence,
observations, summarize, show, categorize critique, develop a logical argument
 Common Formative Assessment Common Summative Assessment

Seatwork Quizzes
Homework Chapter Tests
Concept Checks Pre/Post - Tests
Bellwork

Critical Information Chunks (as determined by learning targets) i.e. vocabulary

Vocabulary Chapter 9:
Sticker price
Chapter 7 Base price Chapter 10:
Credit card Options Mortgage loan
Charge account Destination charge Interest
Finance charge Dealers cost Closing costs
Unpaid-balance method Used-vehicle guides Principal
Liability insurance Homeowners insurance
Average-daily-balance method
Comprehensive Loss-of-use coverage
Account statement insurance
Personal liability
Collision insurance
Medical coverage
Deductible clause
Variable costs Replacement value
Fixed costs Premium
Depreciation Fire protection class
Lease, rent Utility costs

Learning Plan: Instructional Strategies /Lesson Activity: (Identify your CFAs and CITW strategies in your plan)
WRITE OUT EXPLICITLY:
Anticipatory Set:
Review previous lesson, open with lesson opener from resources for each section, an activity, or relate concepts to real
world.
L7-1 Ask students if they know how a person actually pays for the purchases made with a credit card. Explain that a credit
card company sends a monthly statement to the customer.
L7-2 Explain to students that there are different ways to calculate the finance charge. This lesson will focus on calculating
the finance charge based on the unpaid balance method. Write on the board the formula for calculating the finance charge
based on this method: Finance Charge = Unpaid Balance x Periodic Rate. Have a student define the term unpaid balance.
Explain that there are other methods used to compute the finance charge.
L7-3 Lead students in a discussion of the meaning of average daily balance. Elicit from students the fact that the balance
each day is the same until the day the credit card company makes a transaction. After that date, the balance again remains
the same. Ask students how find the average of the balances in a 30-day period. Explain that some credit card companies
compute the finance charge by using the daily balances. In this section, the only transactions considered are payments.
L7-4 Ask students to suggest a way that a credit card company can compute the sum of daily balances to yield a higher
finance charge. Explain that many charge accounts do use new purchases in computing the finance charge.

L9-1 Who plans to have a new car of their own someday? In this lesson, we will learn about the sticker price of a new car.
L9-2 Ask students if theyve ever accompanied anyone to buy a new car. Did the buyer offer less than the sticker price?
Dealers may sometimes be willing to accept an offer less than the sticker price, because they paid less to the manufacturer
for the car.
L9-3 Many students may have had experience shopping for, owning, or selling a used vehicle. Ask students to share their
experiences of trying to find a price agreeable to both the buyer and the seller.
L9-4 Explain to students that they will use tables to compute the annual premium for vehicle insurance. In many states, it is
against the law to drive a car without auto insurance. This is an additional cost that needs to be considered when
purchasing a vehicle.
L9-5 Ask students to name the costs they or their families have encountered in operating and maintaining an automobile.
List items on the board as they are named. Tell students that in todays lesson, they will learn to compute the cost per mile
of operating and maintaining an automobile.
L9-6 Ask students what a lease in reference to an apartment means. Point out that leasing an automobile has become a
common business practice.
L9-7 Ask students if any of their families have ever rented a vehicle either while on vacation or while the family car was
being repaired. The focus of this lesson is to compute the cost per mile of renting a vehicle.

L10-1 Bring to class the real estate section of your local newspaper. Read a variety of advertisements of houses for sale.
Select one home in the $100,000 range, and ask students if they know anyone who could pay for the house in cash. Explain
that very few homes today are purchased outright. Instead, most people need to borrow money. In this section, students will
compute the amount that is borrowed, which is called a mortgage loan.
L10-2 When applying for a mortgage loan, it is smart to shop around for the lowest rate available. Ask students why people
shop for a low rate. In this lesson, the answer to this question will be clear after students learn how to compute the total
payment, amount paid, and total interest charged.
L10-3 Introduce to students what closing costs are when buying a home.
L10-4 Remind students that the interest charged is included in the monthly payment. Ask if they think the interest portion will
be greater than, equal to, or less than the portion toward the mortgage amount.
L10-6 Ask students if anyone has ever witnessed a house burning or seen the damage fire can do to the contents of a
home. How can the owners of a home damaged by a fire replace the home and their personal belongings?
L10-7 Ask students which of the three houses straw, sticks, or brick they would prefer to insure if employed by an
insurance company. Point out that insurance companies consider the material used in the construction of a house to
compute the premium.
L10-8 Review with students the three costs of owning a home (mortgage, payments, real estate taxes, and homeowners
insurance). Ask students to name some other costs of owning a home (e.g. utilities, repairs, purchases of large appliances)

Engaging the student in learning the content:

Students come to class prepared, take notes, participate in class activities and actively engage in class discussion. Work to
be turned in at the end of class if completed (unless otherwise specified by the teacher). The incomplete work will be taken
home for homework and due the next class period.

Guided Practice

Day 1: 3rd Quarter Pre-Test.

Day 2: L7-1 Account Statements

Goals: Calculate the new balance on a charge account.
Key Terms:
o Charge account
o Credit card
o Finance charge
Copy: Notes on key terms and examples of problems to be solved in seatwork
Seatwork/Homework: Complete problems for L7-1 in the textbook.

Day 3: L7-1 Quiz

Day 4: L7-2 Finance charge: Unpaid-balance method

Goals: Find the finance charge by using the unpaid-balance method.
Key Terms:
o Unpaid balance method
Copy: Notes on key terms and examples of problems to be solved in seatwork
Seatwork/Homework: Complete problems for L7-2 in the textbook
Day 5: L7-3 Finance charge: Average-Daily-Balance Method (No New Purchases Included)
Goals:
o Calculate the finance charge based on the average-daily-balance method where no new purchases are
included
Key Terms:
o Average-daily-balance method
Copy: Notes on key terms and examples of problems to be solved in seatwork
Seatwork/Homework: Complete problems for L7-3 in the textbook.

Day 6: L7-2 to L7-3 Quiz

Day 7: L7-4 Finance charge: Average-Daily-Balance Method (New Purchases Included)

Goals: Compute the finance charge based on the average-daily-balance method where new purchases are
included.
Copy: Notes on key terms and examples of problems to be solved in seatwork
Seatwork/Homework: Complete problems for L7-4 in the textbook

Day 8: Chapter 7 Review

Day 9: Chapter 7 Test

Day 10: L9-1 Purchasing a New Vehicle

Goals:
o Compute the sticker price of a new vehicle
Key Terms:
o Sticker price
o Base price
o Options
o Destination charge
Copy: Notes on key terms and examples of problems to be solved in seatwork
Seatwork/Homework: Complete problems for L9-1 in the textbook.

Day 11: L9-2 Dealers Cost

Goals: Calculate the dealers cost of a new vehicle.
Key Terms:
o Dealers cost
Copy: Notes on key terms and examples of problems to be solved in seatwork
Seatwork/Homework: Complete problems for L9-2 in the textbook.

Day 12: L9-3 Purchasing a Used Vehicle

Goals: Figure out the average retail price of a used vehicle.
Key Terms:
o Used-vehicle guides
Copy: Notes on key terms and examples of problems to be solved in seatwork
Seatwork/Homework: Complete problems for L9-3 in the textbook

Day 13: L9-4 Vehicle Insurance

Goals:
o Use tables to compute the annual premium for vehicle insurance.
 Key Terms:
o Liability insurance
o Comprehensive insurance
o Collision insurance
o Deductible clause
Copy: Notes on key terms and examples of problems to be solved in seatwork
Seatwork/Homework: Complete problems for L9-4 in the textbook.

Day 14: L9-5 Operating and Maintaining a Vehicle

Goals: Compute the total cost per mile of operating and maintaining a vehicle.
Key Terms:
o Variable cost
o Fixed costs
o Depreciation
Copy: Notes on key terms and examples of problems to be solved in seatwork
Seatwork/Homework: Complete problems for L9-5 in the textbook

Day 15: L9-6 Leasing a Vehicle

Goals: Calculate the total cost of leasing a vehicle
Key Terms:
o lease
Copy: Notes on key terms and examples of problems to be solved in seatwork
Seatwork/Homework: Complete problems for L9-6 in the textbook

Day 16: L9-7 Renting a Vehicle

Goals: Figure out the cost per mile of renting a vehicle.
Key Terms:
o rent
Copy: Notes on key terms and examples of problems to be solved in seatwork
Seatwork/Homework: Complete problems for L9-7 in the textbook

Day 17: Chapter 9 Review

Day 18: Chapter 9 Test

Day 19: L10-1 Mortgage Loans

Goals
o Compute the mortgage loan amount
Key Terms:
o Mortgage loan
Copy: Notes on key terms and examples of problems to be solved in seatwork
Seatwork/Homework: Complete problems for L10-1 in the textbook.

Day 20: L10-2 Monthly Payment and Total Interest

Goals: Determine the monthly payment, total amount paid, and total interest charged.
Key Terms:
o Interest
Copy: Notes on key terms and examples of problems to be solved in seatwork
Seatwork/Homework: Complete problems for L10-2 in the textbook
Day 21: L10-3 Closing Costs
Goals: Figure out the total closing costs
Key Terms:
o Closing costs
Copy: Notes on key terms and examples of problems to be solved in seatwork
Seatwork/Homework: Complete problems for L10-3 in the textbook

Day 22: L10-4 The Monthly Payment

Goals: Compute the allocation of monthly payment toward principal, interest, and the new principal.
Copy: Notes on key terms and examples of problems to be solved in seatwork
Seatwork/Homework: Complete problems for L10-4 in the textbook

Day 23: L10-6 Homeowners Insurance

Goals: Work out the amount of coverage
Key Terms:
o Homeowners insurance
o Loss-of-use coverage
o Personal liability
o Medical coverage
o Replacement value
Copy: Notes on key terms and examples of problems to be solved in seatwork
Seatwork/Homework: Complete problems for L10-6 in the textbook

Day 24: L10-7 Homeowners Insurance Premium

Goals:
o Calculate the annual homeowners insurance premium
Key Terms:
o Premium
o Fire protection class
Copy: Notes on key terms and examples of problems to be solved in seatwork
Seatwork/Homework: Complete problems for L10-7 in the textbook

Day 25: L10-8 Other Housing costs

Goals: compute the total housing cost and compare it with suggested guidelines.
Key Terms:
o Utility costs
Copy: Notes on key terms and examples of problems to be solved in seatwork
Seatwork/Homework: Complete problems for L10-8 in the textbook

Day 26: Chapter 10 Review and Test

Closure

Adaptations for Unique Student Needs: (ELL, Special Education, Gifted, Students who lack support for school)
Extra time, homework, multiple choice test, one-to-one assistance, peer tutoring, shorter assignments, simplified
instructions, visuals, calculator
Assignment(s):

See Learning plan

Resources and Materials:
Textbook: Mathematics with Business Applications 5th edition by Lange & Rousos
Internet/ Computer
Multimedia projector
Worksheets

CITW Strategies
Setting Objectives Cues/Questions ISD - Compare
Providing Feedback Advance Organizers ISD - Classify
Reinforcing Effort NLR - Graphic Organizer ISD - Metaphor
Providing Recognition NLR - Kinesthetic ISD - Analogy
Cooperative Learning NLR - Mental Image GTH - Problem Solving
NLR - Pictograph GTH -Investigation
NLR - Physical Model GTH - Systems Analysis
Summarizing GTH -Experimental Inquiry
Note-taking
Homework
Practice

Webbs Depth of Knowledge (DOK) Levels