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
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.
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
1. Read page 176 for an overview of the project. You will work alone, not in a
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
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?
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
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?
Being in style Risk
Commitment and dedication Safety
Community involvement Security
Compassion Sense of humour
Recreation & travel
Essentials of Math 12 Ch4 3
Monthly Budget Form
1. Net Income Amount per pay period Annual amount Average Monthly
First Income $ $ 1) $
Second Income $ $
Other Income $ $
Total Annual $
2. Monthly Savings $ Monthly Savings
(10% of Average Monthly 2) $
3. Monthly Expenses
Mortgage or Rent $
Car Payments $
Other Utilities $
Car Maintenance $
Health and Disability Insurance $
Personal Care $
Total Monthly Expenses Total Monthly Expenses
4. Annual Expenses Annual Monthly
Car Insurance $ $
Life Insurance $ $
Property Taxes $ $
Home Insurance $ $
Vacations $ $
Newspaper and Magazines $ $
Other $ $
Total Monthly Contributions to Annual Expenses $ Total Monthly
Contributions to Annual
1. Average Monthly Income 1) $
2. Savings 2) $
3. Total Monthly Expenses 3) $
4. Total Monthly Contributions to Annual 4) $
Total Amounts 2 + 3 + 4 $
5. Amount available for other savings or 5) $
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
Total Semi-Liquid Assets
3. Non-Liquid Assets
a) Principal Residence
Total Non-Liquid 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
Total Long-term Debt
(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
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
Company descriptions and information are present but incomplete
Charts are neat, properly labelled, but are missing information and contain several
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
Charts are messy and difficult to read, are missing information and contain
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
Essentials of Math 12 Ch4 6