School Cabaluay High School Grade Level 11
General
Teacher Mrs. Michelle Ann A. Ramos Learning Area
Mathematics
Date DECEMBER 5, 6, 7, 2022 Quarter 2
Grades 1 – 12 7:30-8:30 (M,T,Th-
G11 – Honesty
Daily Lesson Log F)
8:30-9:30 (M,T,Th-
Time G11 – Peace
F)
7:30-9:30 (W)
G11 – Faith
10:00-12:00 (F)
I. Objectives Day 1 Day 2 Day 3 Day 4
A. Content Standards The learner demonstrates understanding of key concepts of rational functions.
B. Performance
The learner is able to accurately formulate and solve real-life problems involving rational functions
Standards
C. Learning Solves problem involving simple
Competencies/ and compound interests Solves problem involving simple
Objectives
M11GM-IIb-2 and compound interests illustrates simple and general annuities
HOLIDAY
b-2.2. Solves problem involving M11GM-IIb-2
(M11GM-IIC-1)
compound interest
II. Content Solving Word Problems on Solving Word Problems on
Simple and General Annuities
Compound Interest Simple and Compound Interest
III. Learning
Resources
A. References
1. Teacher’s Guide
pages
2. Learner’s Guide None None None
pages
3. Textbook pages General Mathematics for SHS General Mathematics for SHS General Mathematics for SHS
Banigon, Ricardo et al, 2016 Banigon, Ricardo et al, 2016 Banigon, Ricardo et al, 2016
156-166 156-166 pp. 168-198
4. Additional
Materials from
Learning Resource
(LR) Portal
IV. Procedure
A. Reviewing Recall the formula in finding the Let the students recall how to Ask students examples where people pay
previous lesson interest, future value and present solve word problems on simple by installment.
or presenting value in a compound interest and compound interest.
the new lesson environment. Possible answers: Insurance payments,
major purchases (e.g., appliances,
property), or loan payments
B. Establishing a We will apply the concepts that the In this lesson, we will put together The teacher explains the students that
purpose for the we have learned on the previous our knowledge in solving words payments by installment are done
lesson lessons on simple interest in problems in simple and compound periodically, and in equal amounts. This
solving real life situations. interest. payment scheme is called annuity.
Allow the students to compare the
compound amounts and the
compound interests when
compounded annually, semi-
annually, quarterly and monthly.
Emphasize that as the frequency
of conversion periods in a year
increases, the larger the
compound interest, and so, is the
compound amount.
C. Presenting Ask the students to give one The teacher presents the definition of
examples/ What is the interest of P25,000 if example for simple and compound terms regarding annuity.
instances for invested at 4.5% compounded interests finding the interest, Definition of Terms:
the new lesson annually in 3 years and 2 months? present value and future value. ANNUITY– a sequence of payments
made at equal(fixed) intervals or
Find: Ic periods of time
F= P(1+r)t
= (25,000) (1+0.045)3.1667 Annuities may be classified in different
= 28,739.22 ways, as follows.
Ic = F- P
Ic = 28,739.22 – 25,000
The interest is P3,739.22.
Term of an annuity, t – time between
the first payment interval and last
payment interval.
Regular or Periodic payment, R –
the amount of each payment.
Amount (Future Value) of an
annuity, F – sum of future values of all
the payments to be made during the
entire term of the annuity.
Present value of an annuity, P –
sum of present values of all the
payments to be made during the entire
term of the annuity.
D. Discussing new What is the present value of Group the students The teacher illustrates the simple and
concepts and P50,000 due in 7 years if money is general annuity:
practicing new worth 10% compounded annually? From the problems created let
skills #1 each group solve 1 problem
and post their answer on the
board and share to the class
The present value P can be how they solve their assigned
obtained by problem.
P =F/(1 + r)t
= 50,000/(1 + 0.1)7
= 25,657.91
Answer: The present value is
P25,657.9
E. Developing Find the maturity value and 1. If a sum of money placed at a Formative Assessment (by pair)
Mastery (Leads interest if P10,000 is deposited in a compound interest doublesitself in
to Formative bank at 2% compounded monthly 5 years, how long will it becomes (a) Fill in the blanks.
Assessment 3) for 5 years. 8 times itself at the same rate of a. A sequence of payments made at equal
interest? time periods is a/an _______.
Given: P = 10,000
2. Error analysis Answer: Annuity
i(12) = 0.02
Francis wants to know how much b. A simple annuity in which the payments
t = 5 years would he gain after investing his are made at the end of each period is a/an
m = 12 P1 875 at a 5.35% rate for 8 ________.
months.
Find: (a)F Answer: Ordinary annuity or annuity
Here is his computation: immediate
(b)P
Is= 1 875 (.053) (7) c. An annuity where the payment interval
Is= 99.375(7) is not the same as the interest period is
Compute for the interest rate in a a/an _____
conversion period by Is = 695.625
Answer: General annuity
j =i (12)
m He gained P695.63.
d. An annuity where the payment interval
=0.02 (12) Is the solution correct? is the same as the interest period is a/an
_____________.
= 0.0016 If not, give the correct
computation . Answer: Simple annuity
Compute for the total number of
conversion periods given by e. An annuity in which payments begin and
end at definite times is a/an _________.
n = mt = (12)(5)
= 60 conversion periods.
Compute for the maturity value
using
F = P(1 + j)n
= (10,000)(1 + 0.0016)60
= P11,050.79
Answer: The compound interest is
given by
Ic = F −P
= 11,050.79−10,000
= P1,050.79
F. Finding Group work Think- Pair- Share
practical
applications of Find a partner and solve the given
concepts and problem.
Each group will be given a problem
skills in daily
living finding for the interest, present
value and future value in simple
interest. Twenty thousand pesos is
deposited in an account that pays
After the group finish solving the 8% interest. Find the account
given problem they will report to balance after 8 years if the
the class how did they arrive at interest is calculated as follows:
their answers.
a.) compounded semi- annually
Solve the given problem.
b.) compounded quarterly
c.) simple interest
Group 1
What is the interest of P25,000 if
invested at 4.5% compounded
annually in 3 years and 2 months?
Group 2
What amount must be deposited
by a 15-year old student in a bank
that pays 1% compounded
annually so that after 10 years he
will have P20,000?
Group 3
Find the present value of P50,000
due in 4 years if money is invested
at 12% compounded semi-annually
Group 4
Peter is planning to invest
P100,000. Bank A is offering 5%
compounded semi-annually while
Bank B is offering 4.5%
compounded monthly. If he plans
to invest this amount for 5 years,
in which bank should he invest?
G. Making Suppose that you have P80,000. After I deposited P500,000 in a The teacher summarizes the following:
generalizations You decided to deposit it on a bank time deposit were the bank
and and will not withdraw from it for 10 offered 5% simple interest, I got -definition of terms regarding annuity
abstractions years. A bank offers two types of P550,000. How long did it take me
-illustration of simple and general annuity
about the compound interest accounts. The to get my money?
lesson first account offers 6% interest Simple:
compounded monthly.
General:
The second account offers 6.5%
interest compounded semi-
annually.
Which account will you choose if
you want your money to earn
more?
H. Evaluating How did you solve the word How did you solve the word Group Work: Find the solutions for each
learning problems on compound interest? problems on simple and rational equation:
compound interests?
I. Additional Solve the following problems. Solve the following problems.
activities for
application for
remediation The students will answer by pair.
1. Find the compound interest due 1. Nora is thinking of investing an
in 8 years if P28 200 is invested at amount of P30,000 for 2 ½ (a) Let the students illustrate simple
10% compounded quarterly? annuities applying real life situations.
years. Find the future value based
on the following investments: Possible answer:
2. Find the future value of P12,000 a.) Simple interest of 8.5% Installment payment for any appliances or
at the end of 5 years and 6 months gadgets
at 8% compounded semi-annually. b.)8.5% compounded annually
(b) Ask the students to illustrate certain
c.). Which investment is better? examples of annuities using time
Justify your answer. diagrams.
3. If P20 600 is invested in 4 ½
years at 12% compounded
monthly, find the present value. c) Mel started paying 1,000php monthly in
2. An amount of P80 000 must be
a fund that pays 6% compounded
invested to have P 128 376.52
quarterly. How much will be in the fund
after 8 years if money is worth 6%
after 15 years?
compounded simple interest semi-
annually. What amount must be
invested at 5% compounded
annually to have P128 376.52
after 8 years?
V. Remarks
Completed Completed Completed
Partially completed Partially completed Partially completed
Not completed Not completed Not completed
.
VI. Reflection
No. of learners who earned 80% in the evaluation
No. of learners who require additional activities for
remediation who scored below 80%
Did the remedial lesson work? No. of learners who have
caught up with the lesson
No. of learners who continue to require remediation
Which of my teaching strategies worked well? Why did these
work?
What difficulties did I encounter which my principal or
supervisor can help me solve?
What innovation or localized materials did I use/discover
which I wish to share with other teachers?
PREPARED BY: CHECKED BY:
MICHELLE ANN A. RAMOS EMELDA G. MONDEJAR, ED.D.
TEACHER III SCHOOL PRINCIPAL III