Emmas missed days NOV 25 andNOV 26

Arithmatic Sequence: When you adved or subtract

Geometric Sequence:When you multiply or divide

Recursive:next term is based on the previous term

t9=9*?

*You can go on edline to get the graphs or you can make your own
*We also got our project for Sequences called make you own caffeine

then we got to work

NOV 27 Blog-Emma

Today in class we did tutorial 6.2 Modeling Using Sequences.

Time-you always have to start with 0.

Descrete Data-the dots do not connect.

Maintenance level-The amount of the substance iilizesr stabn the blood eventually levels off.
or stabilize

Assignment:pg 270 #1, 4, 5

November 24th Blog

Today in class we learned about sequences.
1) Arithmetic Sequence- the sequence where the next term is found by adding/subtracting
2)Geometric Sequence- the sequence where the next term is found by multiplying/dividing

Recursive- the next term is based on the previous term.
t9=t8 x 2

Explicit- the term is defined by it's position(term number)

t9=9 x _?_

t1 t2 t3................ t10
2 4 8 t10=2^10

The Fibonacci Sequence is: 1,1,2,3,5,8,13,. . . .

We also learned how to find sequences on our calculator:

Ex) Week Prize
1 t1 5
2 t2 10
3 t3 20

1)mode--->seq
2)y=
nMin= what the first term is called----->1
u(n)=recursive formula (*always* u(n-1))---------> u(n-1) x 2
u(nMin)=first term (where you start)-------> {5}

So, to find week 52 go to 2nd function window and change the tblstart=52

Sequences(new unit)

This new unit will talk about sequences....(obviously)
Today:
PYRAMID SCHEMES(Illegal)
Pyramid schemes can be made by anybody.Pyramid schemes are inherently injurious to consumers because as a mathematical certainty, they are doomed to collapse. As in the case of chain letters that require a payment, only the people at the very top make any money.

EX> 6
36

216
1,296......ect
Pyramid schemes exploit people. This with limited knowledge of business such as individuals who have little experience in direct sales.
Why would anyone join a pyramid scheme?
They are sold to people that are assured that they are absolutely legal...(THEY ARE NOT NOT NOT LEGAL)
These people expect money to come in later down the line or any sort of promised prize and they do not receive it. These people that start these are con artists.
EX...
Dear investor:
You will be a millionaire....!!!! send 20 dollars to me with this letter.I will send it out to 6 people who will send it to six others and so on. for every person sent to you will receive 5 dollars. this is how it will work:::

round	letters sent	responses	total people
1	200	12	200
2	2400	144	2600
3	28800	1728	31400
4	345600	20736	377000
5	4147200	248832	4524200
6	49766400	2985984	54290600	$14,929,920.00
7	597196800	35831808	651487400
8	7166361600	429981696	7817849000

This here is how it would work out if 6% of the people responded to the letters.

some times these are really bad schemes and the people do not send out any money and they take 100% of the profit this is what happens in most cases..

today we went over examples 2 and 3 in our design & measurement booklet.
area is always m2 and volume is always m3.

in this example (ex. 3 from our booklets) its showing us how to find the surface area of a cylinder and the slant of the cone and the slant area of the cone.

Tuesday Nov 18

Today in class we got our new unit hand-out Design & measurements pretty straight forward stuff we need to be able to figure out in life. In otherwords useful math. Here we have an example of what can go wrong if you don't want to pay attention in math class.

A tad Tardy

TUESDAY NOVEMBER 10TH!!

Started the ol' class of with a hand in sheet that already has the answers on them. So that you can see the answer and see if you're doing it correctly.

We then took a gander at Remax and Action Realty websites to calculate the mortgages on homes around Dauphin.

DEFINITIONS

AMORTIZATION- amount of time required to pay off the loan

TERM- Length of the contract.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


THURSDAY NOVEMBER 12TH

Not much happened on Thursday. We looked over a mortgage tutorial sheet for a while and then the rest of the class was simply a work period.


~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


FRIDAY NOVEMBER 13TH


Started the class of with Tutorial 4-6. We then received 2 Hand outs that will not be due, only for the purpose of practicing .

Then we cracked the ol' text book to page 191 on Renting and Buying.

Finished it off with the analysis of Renting or Buying a home.

Perchasing Vs. Leasing a automobile

Today in class we learned how to use the "perchasing vs. leasing an automobile" spreadsheet.
We also were given the assigment on the entire unit so far. We had to write 3 things we have learned so far, 1 thing we still need to learn, and somthing we already know abut our upcomming lession on mortgages and renting or buying. We were given an assigment in the text book on page 178, questions 1-3 and 5-8. The questions involve using our TVM solvers or the provided spreadsheets on edline. Here is an example question:

Elvin sees an advertisment for a car he is interested in leasing. Its purchase price is $ 16 750. The monthly lease cost $ 229 plus taxes, fr 48 months. The finance rate is 3.7%, compounded monthly. Elvin wants to know the perchase price of the car at the end of the lease, but this infromation is not given. Calculate the approximate purchase option price.

Using the TVM solver:
N= 48
I%=3.7
PV=16750
PMT=-229
Fv=0 Answer =-$7553.491841
P/Y=12
C/Y=12

To buy or to lease

Today we learned about leasing a car from a dealership. If a car is worth 30 000 and you lease it for 4 years, at the end of the 4 years the residual or lease end value of the car will be worth 10 000. At the end of the 4 years you could return the car back to the dealership or you could buy the car for the residual or lease end value.

****LEASES MUST USE "BEGIN" ON TVM SOLVER****

Homework is pg 178 #1,3,7 or 8

Work Period

Today was a work period for some Net Worth Assignments/ Test Prep/ Other Work.

Needless to say we were all model students toward the sub, because Shawn was the Teach. Also needless to say, he got a little power hungry and things went a little upside down. luckily i was there to apprehend him.

Since he is basically 0% muscle, it was a powerless fight and I sub dued him.

Also he admitted to not being a good, soccer , hockey and squash player.

~~Attached is a picture of Shawn after he was sub-dued.~~

INVESTMENT PORTFOLIOS

So Yesterday in class we learnt about investment portfolios. This is basically the notes I took in class.

Safe<-------------------->Risky

low rate High rate

1-4% 5-30%

Cash-safe-low return

fixed income- somewhat safe- low return- not as liquid

Equity-growth-risky-higher returns

eg.stocks,mutual funds

Steps to find efective Rate (tvm solver)
1) enter N=1 I%=rate PV=-1 PMT=0 P/Y=1 C/Y=comp. period
2)Solve for FV
3) Change comp/year=1
4) Solve for new I%

Steps for Average Rate of Return
1)Calc. individual returns
2)Determine total return
3)N=1 PV=total invested PMT=0 FV= Total invested+interest P/Y=1 C/Y=1
4)Solve for I%

I also Posted a Picture of The Eastern Confrence Standings as of today for all the leafs fans in the class.

work period

No blog today. Work period page 163 # 1, 3, 4, 5
Answer keys in booklet handed out yesterday.

RRSP

Alright so seeing as how i mistakenly forgot to do the blog during my busy day last week i guess im doing it today.

On the day of Monday November 2/09 at approximately 2:30 pm we started learning about RRSP's. RRSP stands for Registered Retirement Savings Plan. Things you can invest in RRSP's include stocks, mutual funds, GIC's (guaranteed invesment certificates), Bonds, Canada Savings Bonds, Gold, and money market funds. Here is a couple of examples we did in class.


If John contributes (say $4000) to an RRSP he can reduce his taxable
income.
1 This means that instead of
paying tax on $40000, he
would pay tax on how
much?

$40000
- 4000
----------
$36000

Now instead of paying $8000 in tax, he pays less
tax, say $6000. He just saved himself $2000 in
tax. His new net pay is $36,000


1 So John invested $4000,
but it only really cost him
how much?

Cost $4000 Thousand
Saved $2000 Taxes
-----------------------
$2000