BMA Consumer Math
Course Outline and Overview

High School Credit - 1/4 credit for units 1-3,
¼ credit for units 4-6, ¼ credit for units 7-10
All units completed will give student ¾ of a math credit
Class requires 5 hours per week

• Consumer Math Syllabus

Materials Needed:

• Calculator
• Pencil
• Eraser
• Paper
• Scrap Paper

Welcome to Consumer Math For Adults.Consumer Math For Adults is a 10 chapter program to help review and polish Consumer math skills. The program lends itself either to individualized work or to group instruction. Beginning chapters include very basic reviews in working with hourly pay and time cards, and moves through chapters on income tax, salary and commission, checking accounts and loans.

Grade is based on: Homework 40% Quizzes 30% Final Exam 30%

Grading Scale A 93-100% C 73-76% A- 90-92% C- 70-72% B+ 87-89% D+ 67-69% B 83-86% D 63-66% B- 80-82% D- 60-62% C+ 77-79% F < 59%

Consumer Math For Adults - includes a number of features. For every unit there is a multi-lesson packet that teaches the necessary information and formulas to thoroughly learn the material. Each unit is broken down into individual lessons. Within each lesson there are multiple questions pertaining to the information learned in the lesson. At the end of each unit there is a review and test of the unit.

Basic Facts - One of the biggest frustrations students have in math is their inability to do the basic facts of addition, subtraction, multiplication, and division. Failure to have a good grasp on basic facts slows a student down, decreases accuracy, and makes the math experience drudgery. Consumer Math uses real world applications not only to teach these basic facts but also to give the student a greater understanding in areas such as Simple Interest and Compound Interest, Loans, Saving and Checking Accounts, Finance Charges and Payroll Taxes.

Posttests - There is a posttest for each unit to be given at the conclusion of the unit. This should be completed independently and is intended as a means to allow the instructor to evaluate the students’ mastery of the concepts presented in the unit. Similar problems are generally grouped together, so it is easy to determine weak areas that the student may need to review.

Using Calculators - Each instructor may have different feelings about the use of calculators. My suggestion is that calculators not be used, especially in the units on basic operations, decimals, fractions, and percents. It may be appropriate to use calculators on the chapters on geometry, consumer math, and statistics. Again, this is left up to the individual teacher.

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Consumer Math For Adults Syllabus
BMA Unit 1 - Hourly Wages
Assignments	Topic
01-01...........................................................................................	Hourly Wages
01-02...........................................................................................	Weekly Timecard
01-03...........................................................................................	Minimum Wage
01-04...........................................................................................	Piecework
Review.........................................................................................	Unit 1 Review
Test.............................................................................................	Unit 1 Test
BMA Unit 2 - Salary & Commission
02-01...........................................................................................	Salary
02-02...........................................................................................	Commission
02-03...........................................................................................	Graduated Commission
02-04...........................................................................................	Salary Plus Commission
02-05...........................................................................................	Salary or Commission
02-06...........................................................................................	Employee Benefits
Review.........................................................................................	Unit 2 Review
Test.............................................................................................	Unit 2 Test
BMA Unit 3 - Payroll Tax & Insurance
03-01...........................................................................................	Federal Income Tax
03-02...........................................................................................	State Taxes
03-03...........................................................................................	Social Security Tax
03-04...........................................................................................	Group Insurance
03-05...........................................................................................	Earning Statements
Review.........................................................................................	Unit 3 Review
Test.............................................................................................	Unit 3 Test
BMA Unit 4– Cash Purchases
04-01...........................................................................................	Sales Tax
04-02...........................................................................................	Total Purchase Price
04-03...........................................................................................	Unit Pricing
04-04...........................................................................................	Markdown
04-05...........................................................................................	Sale Price
Review.........................................................................................	Chapter 4 Review
Test.............................................................................................	Unit 4 Test
BMA Unit 5–Checking Account
05-01...........................................................................................	Deposits
05-02...........................................................................................	Writing Checks
05-03...........................................................................................	Check Registers
05-04...........................................................................................	Bank Statements
05-05...........................................................................................	Reconciling the Bank Statement
Review.........................................................................................
Unit 5 Review
Test.............................................................................................	Unit 5 Test
BMA Unit 6– Savings Accounts
06-01...........................................................................................	Passbook and Account Statements
06-02...........................................................................................	Simple Interest
06-03...........................................................................................	Compound Interest
06-04...........................................................................................	Compound Interest Tables
Review.........................................................................................
Unit 6 Review
Test.............................................................................................	Unit 6 Test
BMA Unit 7–Finance Charges
07-01...........................................................................................	Sales Receipts
07-02...........................................................................................	Account Statements
07-03...........................................................................................	Finance Charge, Previous Balance
07-04...........................................................................................	Finance Charge, Unpaid Balance
07-05...........................................................................................	Fiance Charge, Daily Balance
Review.........................................................................................
Unit 7 Review
Test.............................................................................................	Unit 7 Test
BMA Unit 8–Loans
08-01...........................................................................................	Single Payment Loans
08-02...........................................................................................	Discount Loans
08-03...........................................................................................	Installment Loans
08-04...........................................................................................	Determining the APR
08-05...........................................................................................	Refund of Finance Charge
Review.........................................................................................
Unit 8 Review
Test.............................................................................................	Unit 8 Test
BMA Unit 9–Automobile Finance
09-01...........................................................................................	Purchasing a New Automobile
09-02...........................................................................................	Purchasing a Old Automobile / Depreciation
09-03...........................................................................................	Automobile Insurance
09-04...........................................................................................	Driver Rating Factor
09-05...........................................................................................
Operating and Maintaining a Automobile
Review.........................................................................................	Unit 9 Review
Test.............................................................................................	Unit 9 Test
BMA Unit 10–Travel Finance
10-01...........................................................................................	Renting a Car
10-02...........................................................................................	Taking a Bus or Rapid Transit
10-03...........................................................................................	Taking a Taxi Cab
10-04...........................................................................................	Chartering a Bus
10-05...........................................................................................	Air Travel
Review.........................................................................................	Unit 10 Review
Test.............................................................................................	Unit 10 Test

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