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					EMA12 Chapter 4: Investments

 Read Explorations 1-5, do the Notebook Exercises and the Chapter
  Review. Check your answers in the back of the book. If you have any
  questions, ask a teacher. Hand in your Notebook Exercises in to receive
  credit.

Please take note of the following:

1. Exploration 1:Use the Money Management Survey on page 2 of this
   guide. For the Notebook Exercise # 3 Use The Values Worksheet on
   page 3 of this guide.
2. Exploration 4: Use the Monthly Budget Form on page 4 of this guide.
3. Exploration 5: Use the Statement of Net Worth on page 5 of this guide.

Chapter Project:
      Your project should have a title page with the name of the project,
       your name, your student number and the date
      Clearly and neatly label all parts of your project. Remember to include
       your references.

1. Read page 176 for an overview of the project. You will work alone, not in a
   group.
2. Read and complete pages 179-180
    Choose five companies from the different sectors listed on page 179
      and do research on them. Use the questions on page 180 as a guide.
      You may not find answers to all questions for all companies.
3. Read and complete pages 199-200. Use a spreadsheet like Chart 1 and
   Chart 2. List the reasons you chose your stocks. Follow your five stocks
   for 2 weeks.
4. At the end of two weeks, sell your stocks and calculate your net profit
   and loss. Use a Spreadsheet like Chart 3 on page 240, and answer
   questions #2, 3, 9 and 10 on page 240-241.
5. Neatly compile and clearly label all six parts of the project and hand it in
   for marking.
    Check your work against the Project Rubric on page 6 of this guide.




Essentials of Math 12 Ch4                                                    1
Money Management Survey:
How Do You Rate?

                                                                  Yes   No
I have a filing system to keep track of financial records.
I have a written list of financial goals with an estimated cost
of each goal.
I regularly set aside money to achieve specific goals.
I compare costs and services of banks/credit unions, knowing
that charges and services can vary widely.
I avoid impulse-buying because unplanned spending could
sabotage my financial plans.
I read current financial article and work to improve my
knowledge of personal money management.




Essentials of Math 12 Ch4                                                    2
Values Worksheet

Here is a list of many things people value or think are important in life.
Things that are highly valuable to you can affect your life.
In your notebook, place vertically the numbers 1 through 10. After due
consideration, select and rank the top ten values you would find important
and want in your life.

What is Important to You?

Acceptance                               Religion
Acquiring                                Respect
Beauty                                   Responsibility
Being in style                           Risk
Commitment and dedication                Safety
Community involvement                    Security
Compassion                               Sense of humour
Education                                Status
Excitement                               Sympathy
Faith                                    Tolerance
Family                                   Wealth
Fitness                                  Work
Freedom
Friendship
Fun
Good health
Happiness
Helping others
Honesty
Honour
Independence
Influence
Love
Loyalty
Maturity
Patriotism
Recreation & travel
Reliability



Essentials of Math 12 Ch4                                                    3
Monthly Budget Form
1. Net Income               Amount per pay period        Annual amount                Average Monthly
                                                                                      Income
   First Income            $                             $                            1) $
   Second Income           $                             $
   Other Income            $                             $
    Total Annual                                         $
    Income
2. Monthly Savings                   $                                                Monthly Savings
 (10% of Average Monthly                                                              2) $
  Income)
3. Monthly Expenses
Mortgage or Rent                                         $
Car Payments                                             $
Telephone                                                $
Electricity                                              $
Other Utilities                                          $
Cable                                                    $
Groceries                                                $
Clothing                                                 $
Car Maintenance                                          $
Gasoline                                                 $
Health and Disability Insurance                          $
Personal Care                                            $
Entertainment                                            $
Other                                                    $
Other                                                    $
Total Monthly Expenses                                                                Total Monthly Expenses
                                                                                      3) $
4. Annual Expenses                                    Annual        Monthly
                                                      Amount        Amount
Car Insurance                                         $             $
Life Insurance                                        $             $
Property Taxes                                        $             $
Home Insurance                                        $             $
Vacations                                             $             $
Newspaper and Magazines                               $             $
Other                                                 $             $
Total Monthly Contributions to Annual Expenses        $                               Total Monthly
                                                                                      Contributions to Annual
                                                                                      Expenses
                                                                                      4) $
5. Summary
1. Average Monthly Income                                                              1) $
2. Savings                                               2) $
3. Total Monthly Expenses                                3) $
4. Total Monthly Contributions to Annual                 4) $
Expenses
   Total Amounts 2 + 3 + 4                                                                $
5. Amount available for other savings or                                               5) $
expenditures (deficit)
Note: If a budget is in a deficit position, it needs to be analyzed for possible adjustments to spending.




Essentials of Math 12 Ch4                                                                                   4
Statement of Net Worth
Assets (What you own)
1. Liquid/Current Assets
   a) Bank Accounts
   b) Near Cash
      Total Liquid Assets

2. Semi-Liquid Assets
   a) Mutual Funds
   b) Stocks/Bonds
   c) RSPs
   d) RPPs
      Total Semi-Liquid Assets

3. Non-Liquid Assets
   a) Principal Residence
   b) Vehicle
   c) Other
     Total Non-Liquid Assets

Total Assets

Liabilities (What you owe)
4. Short-Term Credit
   a) Credit Card Debt
   b) Short -Term Loans
      Total Short-Term Debt
5. Long-Term Debt
   a) Mortgage
   b) Other
      Total Long-term Debt

Total Liabilities

Net Worth
(Total Assets – Total Liabilities)




Essentials of Math 12 Ch4            5
Chapter 4 Investments Project Rubric

Level 4 (86-100%)
    Title page contains name of project, student’s name, student number and date
    Company descriptions and information are in-depth and complete
    Charts are neat, properly labelled, complete and accurate
    Calculations show all the necessary steps and are correct
    Summary includes a well-stated opinion about the stock market.
    Conclusion is insightful and error-free

Level 3 (73-85%)
    Title page is missing one of: name of project, student’s name, student number or
       date
    Company descriptions and information are satisfactory and complete
    Charts are neat, properly labelled, mostly complete and accurate
    Calculations are correct but may be missing some steps
    Summary includes an opinion about the stock market.
    Conclusion is insightful but may contain some spelling and grammar errors

Level 2 (50-72%)
    Title page is missing two of: name of project, student’s name, student number or
       date
    Company descriptions and information are present but incomplete
    Charts are neat, properly labelled, but are missing information and contain several
       errors
    Calculations are missing some steps and contain errors
    Summary is brief.
    Conclusion is satisfactory but contains some spelling and grammar errors

Level 1(below 50%)
    Title page is missing
    Company descriptions and information are incomplete, or fewer than 5 companies
       are represented
    Charts are messy and difficult to read, are missing information and contain
       several errors
    Calculations are missing steps and contain many errors
    Summary is brief and shows little to no understanding of the project topics
    Conclusion is devoid of any thought and contains many spelling and grammar
       errors.




Essentials of Math 12 Ch4                                                               6

				
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