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Financial Math Pacing Guide
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Two-week summary of major instructional content and skills • 36 instructional weeks
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Week(s)Unit / TextMajor ContentMajor Skills and Assessments
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Weeks 1–2Start of YearIntro Material; IXL Diagnostic; Essential vs Discretionary Expenses and Budgets; Mean, Median, Mode, and Range ReviewFollow classroom procedures and build a safe learning community; complete the IXL diagnostic baseline; distinguish essential from discretionary expenses, build a budget, and calculate expense percentages; find and interpret mean, median, mode, and range.
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Weeks 3–4BankingChecking Accounts; Algebraic Formulas; Savings AccountsWrite checks and deposit slips, maintain registers, balance checking accounts, and determine overdraft fees/balances; write algebraic formulas, identify variables, and solve for missing values; distinguish checking from savings and calculate simple interest/new balances.
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Weeks 5–6BankingSimple Interest; Simple Interest Quiz; Compound Interest; Compound Interest Scavenger HuntUse the simple-interest formula, identify variables, make needed conversions, and solve for interest, balance, principal, or other variables; apply compound-interest formulas, determine compounding frequency, and solve for balance, interest, or principal; demonstrate these skills on quizzes/review activities.
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Weeks 7–8BankingCompound Interest Quiz; PSAT Testing; Continuous Interest Formula; Review: All interest formulas; Test on interest formulas; General Skill PracticeUse the compound-interest formula on assessment problems; identify and use the continuous-interest formula, including base e, and distinguish when to use it versus other interest formulas; solve for balance, principal, or interest; review interest formulas and practice supporting arithmetic skills.
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Weeks 9–10Consumer CreditIntroduction of Consumer Credit; Types of Consumer Credit Plans; Review and QuizDescribe consumer credit, identify types, and define key terms; apply examples of installment plans, deferred-payment plans, and layaway; review and demonstrate understanding on a quiz.
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Weeks 11–12Consumer CreditCredit Reports; Student Loans; Review and QuizDefine and interpret credit reports and related loan terms; identify relevant agencies/requirements; distinguish student-loan types, discuss FAFSA, and calculate monthly payments and loan interest; review and demonstrate understanding on a quiz.
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Weeks 13–14Consumer CreditCredit Cards; Chapter 3 Review and TestDefine credit cards, read statements, determine monthly payments, and apply interest to accounts; review chapter concepts and demonstrate understanding on the chapter test.
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Weeks 15–16Consumer CreditNJGPA Practice; Consumer Credit ProjectApply prior mathematics skills to NJGPA released items; create a store/credit-card scenario, select an APR, and determine a customer's finance charge after purchases.
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Weeks 17–18AutomobilesAuto Transactions; Quartiles & Central Tendency Measurements; Review and QuizOrganize data, identify quartiles and outliers, and use measures of central tendency; review unit concepts and demonstrate understanding on a quiz.
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Weeks 19–20AutomobilesMid Term Week; Box and Whisker Plots; QuizRepresent measures of central tendency with box-and-whisker plots; apply unit concepts successfully on an assessment.
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Weeks 21–22AutomobilesAutomobile Insurance; Linear Depreciation; Review and QuizIdentify automobile-insurance types and coverages and determine plan costs; write a linear equation representing vehicle depreciation; review and demonstrate understanding on a quiz.
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Weeks 23–24AutomobilesSystems of Equations; Driving Data; Review and Chapter 4 TestSolve systems by substitution or elimination and write systems for applications; calculate distance, speed, or time; review automobile concepts and demonstrate understanding on the chapter test.
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Weeks 25–26AutomobilesNJGPA Released Items; Buying a Car ProjectApply prior skills to NJGPA released items; determine a vehicle down payment, monthly payment, total interest, insurance coverage, and registration details in a car-buying project.
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Weeks 27–28EmploymentLooking for Employment; Pay Periods and Hourly Rates; Review and Quiz: Sections 5.1 and 5.2; Commissions, Royalties, Piecework PayCompute periodic salary from annual salary and agency fees; calculate earnings across pay periods, hourly/overtime pay, and annual salary; compute commissions and piecework pay and compare pay options/benefits; review and demonstrate understanding on a quiz.
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Weeks 29–30EmploymentEmployee Benefits; Review and Quiz: Sections 5.3 and 5.4; Social Security and Medicare; Celebrity Payroll ProjectExplain and calculate the value of employee benefits; review and demonstrate understanding on a quiz; define Social Security and Medicare, discuss FICA taxes, and calculate annual contributions; create a celebrity payroll with jobs, salaries, taxes, Social Security/Medicare, and insurance.
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Weeks 31–32Housing7.1: Finding a place to live; System of Equations; Quiz: Systems; 7.2: Reading a Floor PlanSolve and write systems of two linear equations for applications; apply area formulas to floor-plan and home-ownership contexts, including areas between shapes; demonstrate understanding on a systems quiz.
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Weeks 33–34Housing7.3: Mortgage Terms and Examples; Review and Quiz; Buying a House ProjectReview housing concepts and demonstrate understanding on an assessment; complete the buying-a-house project.
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Weeks 35–36Final Exam PrepFinal Exam PrepFinal Exam Prep
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