MTH312: Business and Consumer Math (Core)

This list is representative of the materials provided or used in this course. Keep in mind that the actual materials used may vary, depending on the school in which you are enrolled, and whether you are taking the course as Independent Study.

For a complete list of the materials to be used in this course by your enrolled student, please visit MyInfo. All lists are subject to change at any time.

Scope & Sequence : Scope & Sequence documents describe what is covered in a course (the scope) and also the order in which topics are covered (the sequence). These documents list instructional objectives and skills to be mastered. K12 Scope & Sequence documents for each course include:

Course Overview

Students learn mathematical skills relevant to everyday life, such as balancing a checkbook, calculating net pay, budgeting expenses, making cost comparisons, buying and renting a home, and finding the cost of operating a motor vehicle. Students also explore business topics, including borrowing money, investing, and calculating business profits and losses. The course guides students toward logical thinking and problem solving to help them make good decisions about money and finance. Through projects and activities, students apply their skills and knowledge to real-life situations.

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Course Length

Two Semesters

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Prerequisites

MTH112 or MTH113: Pre-Algebra (or equivalent) recommended, but not required

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Course Outline

UNIT 1: MATH REVIEW

Lesson 1: Whole Numbers and Decimals

  • Topic 1: Review of Whole Numbers and Decimals
Lesson Activities:
  • Self-Check Review Problems

Lesson 2: Order of Operations

  • Topic 1: Review of Order of Operations
Lesson Activities:
  • Self-Check Review Problems

Lesson 3: Fractions

  • Topic 1: Review of Fractions
Lesson Activities:
  • Self-Check Review Problems

Lesson 4: Percents

  • Topic 1: Review of Percents
Lesson Activities:
  • Self-Check Review Problems

UNIT 2: EARNING AN INCOME

Lesson 1: Gross Pay

  • Topic 1: Calculating Gross Wages
  • Topic 2: Gross Pay Applications
Lesson Activities:
  • Self-Check Review Problems
  • Lesson/Quiz Review
Lesson Assignments and Assessments:
  • Lesson 1 Quiz

Lesson 2: Net Pay

  • Topic 1: Calculating Net Wages
  • Topic 2: Net Pay Applications
Lesson Activities:
  • Self-Check Review Problems
  • Lesson/Quiz Review
Lesson Discussion:
  • Topic: Federal Insurance Contributions Act (FICA)
Lesson Assignments and Assessments:
  • Notebook: Earning an Income
  • Lesson 2 Quiz
Unit Assignments and Assessments:
  • Notebook: Earning an Income Project

UNIT 3: BANKING & CREDIT

Lesson 1: Banking Basics

  • Topic 1: Checking and Savings Accounts
  • Topic 2: Check Register/Balancing
Lesson Activities:
  • Self-Check Review Problems
  • Lesson/Quiz Review
Lesson Assignments and Assessments:
  • Lesson 1 Quiz

Lesson 2: Loans and Credit Cards

  • Topic 1: What Are Loans?
  • Topic 2: How Credit Cards Work
  • Topic 3: Loan/Credit Card Applications
Lesson Activities:
  • Self-Check Review Problems
  • Lesson/Quiz Review
Lesson Assignments and Assessments:
  • Lesson 2 Quiz

Lesson 3: Credit Problems

  • Topic 1: Personal Credit Problems
  • Topic 2: Business Credit Problems
  • Topic 3: Credit Problem Applications
Lesson Activities:
  • Self-Check Review Problems
  • Lesson/Quiz Review
Lesson Discussion:
  • Topic: Bankruptcy
Lesson Assignments and Assessments:
  • Notebook: Banking and Credit
  • Lesson 3 Quiz
Unit Assignments and Assessments:
  • Notebook: Banking and Credit Project

UNIT 4: BUDGETING AND MAJOR EXPENSES

Lesson 1: Developing a Budget

  • Topic 1: Fixed and Flexible Expenses
  • Topic 2: Budgeting
Lesson Activities:
  • Self-Check Review Problems
  • Lesson/Quiz Review
Lesson Assignments and Assessments:
  • Lesson 1 Quiz

Lesson 2: Buying and Renting Living Space

  • Topic 1: Buying Living Space
  • Topic 2: Renting Living Space
  • Topic 3: Business Space
Lesson Activities:
  • Self-Check Review Problems
  • Lesson/Quiz Review
Lesson Discussion:
  • Topic: Home-Based Business
Lesson Assignments and Assessments:
  • Notebook: Budgeting Major Expenses
  • Lesson 2 Quiz

Lesson 3: Transportation

  • Topic 1: Motor Vehicle Depreciation
  • Topic 2: Vehicle Purchasing and Leasing
  • Topic 3: Vehicle Costs
Lesson Activities:
  • Self-Check Review Problems
  • Lesson/Quiz Review
Lesson Assignments and Assessments:
  • Lesson 3 Quiz
Unit Assignments and Assessments:
  • Notebook: Budgeting Major Expenses Project

UNIT 5: PERSONAL CONSIDERATIONS

Lesson 1: Utility Costs

  • Topic 1: Energy Costs
  • Topic 2: Water Costs
  • Topic 3: Telephone Costs
Lesson Activities:
  • Self-Check Review Problems
  • Lesson/Quiz Review
Lesson Discussion:
  • Topic: Long-Distance Phone Service
Lesson Assignments and Assessments:
  • Notebook: Personal Considerations
  • Lesson 1 Quiz

Lesson 2: Consumer Considerations

  • Topic 1: Nutrition Labels
  • Topic 2: Dining In or Out
  • Topic 3: Taxes and Gratuities
  • Topic 4: Counting Back Change
Lesson Activities:
  • Self-Check Review Problems
  • Lesson/Quiz Review
Lesson Assignments and Assessments:
  • Lesson 2 Quiz
Unit Assignments and Assessments:
  • Notebook: Personal Considerations Project

UNIT 6: BUSINESS CONSIDERATIONS

Lesson 1: Business Analysis

  • Topic 1: Measures of Central Tendency
  • Topic 2: Probability
  • Topic 3: Graphs
  • Topic 4: Economic Statistics
Lesson Activities:
  • Self-Check Review Problems
  • Lesson/Quiz Review
Lesson Assignments and Assessments:
  • Lesson 1 Quiz

Lesson 2: Business Calculations

  • Topic 1: Profit and Loss
  • Topic 2: Series Discounts
  • Topic 3: Pricing for Profit
  • Topic 4: Finding the Break-Even Point
  • Topic 5: Sales Record
Lesson Activities:
  • Self-Check Review Problems
  • Lesson/Quiz Review
Lesson Discussion:
  • Topic: New Product Questions
Lesson Assignments and Assessments:
  • Notebook: Business Considerations
  • Lesson 2 Quiz
Unit Assignments and Assessments:
  • Notebook: Business Considerations Project

UNIT 7: MANAGING MONEY

Lesson 1: Insurance

  • Topic 1: Life Insurance
  • Topic 2: Health Insurance
  • Topic 3: Property Insurance
  • Topic 4: Automobile Insurance
Lesson Activities:
  • Self-Check Review Problems
  • Lesson/Quiz Review
Lesson Assignments and Assessments:
  • Lesson 1 Quiz

Lesson 2: Investments

  • Topic 1: Bonds
  • Topic 2: Stocks
  • Topic 3: Retirement
Lesson Activities:
  • Self-Check Review Problems
  • Lesson/Quiz Review
Lesson Discussion:
  • Topic: Stock Market Crashes
Lesson Assignments and Assessments:
  • Notebook: Managing Money
  • Lesson 2 Quiz
Unit Assignments and Assessments:
  • Notebook: Managing Money Project
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Lesson Scheduling

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K12 Scope & Sequence documents for each course include:

  • Course Overview (as seen above)
  • Course Outline
  • Lesson Time and Scheduling