THE ONTARIO CURRICULUM, GRADES 11 AND 12 | <strong>Mathematics</strong> Grade 11, Workplace Preparation2.4 determine, through investigation usingtechnology (e.g., a TVM Solver on a graphingcalculator or on a website), the effect on thefuture value of a compound interest investmentof changing the total length of time,the interest rate, or the compounding periodSample problem: Compare the results atage 40 of making a deposit of $1000 atage 20 or a deposit of $2000 at age 30, if bothinvestments pay 6% interest per annum,compounded monthly.2.5 solve problems, using technology, that involveapplications of compound interest to savingand investing3. BorrowingBy the end of this course, students will:3.1 gather, interpret, and compare informationabout the effects of carrying an outstandingbalance on a credit card at current interestratesSample problem: Describe ways of minimizingthe cost of carrying an outstanding balanceon a credit card.3.2 gather, interpret, and compare informationdescribing the features (e.g., interest rates,flexibility) and conditions (e.g., eligibility,required collateral) of various personal loans(e.g., student loan, car loan, “no interest”deferred-payment loan, loan to consolidatedebt, loan drawn on a line of credit, paydayor bridging loan)3.3 calculate, using technology (e.g., calculator,spreadsheet), the total interest paid over thelife of a personal loan, given the principal, thelength of the loan, and the periodic payments,and use the calculations to justify the choiceof a personal loan3.4 determine, using a variety of tools (e.g.,spreadsheet template, online amortizationtables), the effect of the length of time taken torepay a loan on the principal and interestcomponents of a personal loan repayment3.5 compare, using a variety of tools (e.g., spreadsheettemplate, online amortization tables),the effects of various payment periods (e.g.,monthly, biweekly) on the length of timetaken to repay a loan and on the total interestpaid3.6 gather and interpret information about creditratings, and describe the factors used to determinecredit ratings and the consequences of agood or bad rating3.7 make and justify a decision to borrow, usingvarious criteria (e.g., income, cost of borrowing,availability of an item, need for an item)under various circumstances (e.g., having alarge existing debt, wanting to pursue aneducation or training opportunity, needingtransportation to a new job, wanting to setup a business)82
C. TRANSPORTATION AND TRAVELOVERALL EXPECTATIONSBy the end of this course, students will:1. interpret information about owning and operating a vehicle, and solve problems involving theassociated costs;2. plan and justify a route for a trip by automobile, and solve problems involving the associated costs;3. interpret information about different modes of transportation, and solve related problems.SPECIFIC EXPECTATIONS1. Owning and Operating a VehicleBy the end of this course, students will:1.1 gather and interpret information about theprocedures (e.g., in the graduated licensingsystem) and costs (e.g., driver training; licensingfees) involved in obtaining an Ontario driver’slicence, and the privileges and restrictionsassociated with having a driver’s licence1.2 gather and describe information about theprocedures involved in buying or leasing anew vehicle or buying a used vehicle1.3 gather and interpret information about theprocedures and costs involved in insuring avehicle (e.g., car, motorcycle, snowmobile)and the factors affecting insurance rates (e.g.,gender, age, driving record, model of vehicle,use of vehicle), and compare the insurancecosts for different categories of drivers and fordifferent vehiclesSample problem: Use automobile insurancewebsites to investigate the degree to whichthe type of car and the age and gender of thedriver affect insurance rates.1.4 gather and interpret information about the costs(e.g., monthly payments, insurance, depreciation,maintenance, miscellaneous expenses)of purchasing or leasing a new vehicle orpurchasing a used vehicle, and describe theconditions that favour each alternativeSample problem: Compare the costs of buyinga new car, leasing the same car, and buyingan older model of the same car.1.5 describe ways of failing to operate a vehicleresponsibly (e.g., lack of maintenance,careless driving) and possible financial andnon-financial consequences (e.g., legal costs,fines, higher insurance rates, demerit points,loss of driving privileges)1.6 identify and describe costs (e.g., gas consumption,depreciation, insurance, maintenance)and benefits (e.g., convenience, increasedprofit) of owning and operating a vehicle forbusinessSample problem: Your employer pays35 cents/km for you to use your car forwork. Discuss how you would determinewhether or not this is fair compensation.1.7 solve problems, using technology (e.g., calculator,spreadsheet), that involve the fixed costs(e.g., licence fee, insurance) and variablecosts (e.g., maintenance, fuel) of owning andoperating a vehicleSample problem: The rate at which a car consumesgasoline depends on the speed of thecar. Use a given graph of gasoline consumption,in litres per 100 km, versus speed, inkilometres per hour, to determine how muchgasoline is used to drive 500 km at speeds of80 km/h, 100 km/h, and 120 km/h. Use thecurrent price of gasoline to calculate the costof driving 500 km at each of these speeds.<strong>Mathematics</strong> for Work and Everyday LifeMEL3ETRANSPORTATION AND TRAVEL83
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CONTENTSINTRODUCTION 3Secondary Sch
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INTRODUCTIONThis document replaces
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and art. It is important that these
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THE PROGRAM INMATHEMATICSOVERVIEW O
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Courses in Mathematics, Grades 11 a
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Half-Credit CoursesThe courses outl
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The Grade 11 university preparation
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Grade 11FOUNDATIONS FORCOLLEGEMATHE
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THE MATHEMATICALPROCESSESPresented
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REASONING AND PROVINGReasoning help
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Mental computation involves calcula
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ASSESSMENTAND EVALUATIONOF STUDENTA
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THE ACHIEVEMENT CHART FOR MATHEMATI
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course and reflects the correspondi
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Categories 50−59%(Level 1)60−69
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D. APPLICATIONS OF GEOMETRYOVERALL
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Foundations for CollegeMathematics,
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A. MATHEMATICAL MODELSOVERALL EXPEC
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Years after 1955 Population of Gees
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payable monthly. Use a given amorti
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2.2 determine, through investigatio
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etween the two variables (i.e., by
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MATHEMATICAL PROCESS EXPECTATIONSTh
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THE ONTARIO CURRICULUM, GRADES 11 A
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Grade 12, Workplace Preparationmont
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THE ONTARIO CURRICULUM, GRADES 11 A
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The Ministry of Education wishes to