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Skills available for Ontario grade 11 math curriculum

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Ontario Curriculum: Grade 11 Foundations for College Mathematics, College Preparation Ontario Curriculum: Grade 11 Foundations for College Mathematics, College Preparation
Ontario Curriculum: Grade 11 Functions and Applications, University/College Preparation Ontario Curriculum: Grade 11 Functions and Applications, University/College Preparation
Ontario Curriculum: Grade 11 Functions, University Preparation Ontario Curriculum: Grade 11 Functions, University Preparation
Ontario Curriculum: Grade 11 Mathematics for Work and Everyday Life, Workplace Preparation Ontario Curriculum: Grade 11 Mathematics for Work and Everyday Life, Workplace Preparation

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11.A Earning and Purchasing

11.A.1 interpret information about different types of remuneration, and solve problems and make decisions involving different remuneration methods;
- 11.A.1.1 gather, interpret, and compare information about the components of total earnings (e.g., salary, benefits, vacation pay, profit-sharing) in different occupations
- 11.A.1.2 gather, interpret, and describe information about different remuneration methods (e.g., hourly rate, overtime rate, job or project rate, commission, salary, gratuities) and remuneration schedules (e.g., weekly, biweekly, semi-monthly, monthly)
- 11.A.1.3 describe the effects of different remuneration methods and schedules on decisions related to personal spending habits (e.g., the timing of a major purchase, the scheduling of mortgage payments and other bill payments)
- 11.A.1.4 solve problems, using technology (e.g., calculator, spreadsheet), and make decisions involving different remuneration methods and schedules
11.A.2 demonstrate an understanding of payroll deductions and their impact on purchasing power;
- 11.A.2.1 gather, interpret, and describe information about government payroll deductions (i.e., CPP, EI, income tax) and other payroll deductions (e.g., contributions to pension plans other than CPP; union dues; charitable donations; benefit-plan contributions)
- 11.A.2.2 estimate and compare, using current secondary data (e.g., federal tax tables), the percent of total earnings deducted through government payroll deductions for various benchmarks (e.g., $15 000, $20 000, $25 000)
- 11.A.2.3 describe the relationship between gross pay, net pay, and payroll deductions (i.e., net pay is gross pay less government payroll deductions and any other payroll deductions), and estimate net pay in various situations
- 11.A.2.4 describe and compare the purchasing power and living standards associated with relevant occupations of interest
11.A.3 demonstrate an understanding of the factors and methods involved in making and justifying informed purchasing decisions.
- 11.A.3.1 identify and describe various incentives in making purchasing decisions (e.g., 20% off; 1/3 off; buy 3 get 1 free; loyalty rewards; coupons; 0% financing)
- 11.A.3.2 estimate the sale price before taxes when making a purchase (e.g., estimate 25% off of $38.99 as 25% or ¼ off of $40, giving a discount of about $10 and a sale price of approximately $30; alternatively, estimate the same sale price as about 3/4 of $40)
- 11.A.3.3 describe and compare a variety of strategies for estimating sales tax (e.g., estimate the sales tax on most purchases in Ontario by estimating 10% of the purchase price and adding about a third of this estimate, rather than estimating the PST and GST separately), and use a chosen strategy to estimate the after-tax cost of common items
- 11.A.3.4 calculate discounts, sale prices, and after-tax costs, using technology
- 11.A.3.5 identify forms of taxation built into the cost of an item or service (e.g., gasoline tax, tire tax)
- 11.A.3.6 estimate the change from an amount offered to pay a charge
- 11.A.3.7 make the correct change from an amount offered to pay a charge, using currency manipulatives
- 11.A.3.8 compare the unit prices of related items to help determine the best buy
  - Unit prices (6-T.3)
- 11.A.3.9 describe and compare, for different types of transactions, the extra costs that may be associated with making purchases (e.g., interest costs, exchange rates, shipping and handling costs, customs duty, insurance)
- 11.A.3.10 make and justify a decision regarding the purchase of an item, using various criteria (e.g., extra costs, such as shipping costs and transaction fees; quality and quantity of the item; shelf life of the item; method of purchase, such as online versus local) under various circumstances (e.g., not having access to a vehicle; living in a remote community; having limited storage space)

11.B Saving, Investing, and Borrowing

11.B.1 describe and compare services available from financial institutions;
- 11.B.1.1 gather, interpret, and compare information about the various savings alternatives commonly available from financial institutions (e.g., savings and chequing accounts, term investments), the related costs (e.g., cost of cheques, monthly statement fees, early withdrawal penalties), and possible ways of reducing the costs (e.g., maintaining a minimum balance in a savings account; paying a monthly flat fee for a package of services)
- 11.B.1.2 gather, interpret, and compare information about the costs (e.g., user fees, annual fees, service charges, interest charges on overdue balances) and incentives (e.g., loyalty rewards; philanthropic incentives, such as support for Olympic athletes or a Red Cross disaster relief fund) associated with various credit cards and debit cards
- 11.B.1.3 read and interpret transaction codes and entries from various financial statements (e.g., bank statement, credit card statement, passbook, automated banking machine printout, online banking statement, account activity report), and explain ways of using the information to manage personal finances
11.B.2 demonstrate an understanding of simple and compound interest, and solve problems involving related applications;
- 11.B.2.1 determine, through investigation using technology (e.g., calculator, spreadsheet), the effect on simple interest of changes in the principal, interest rate, or time, and solve problems involving applications of simple interest
  - Simple interest (8-L.9)
- 11.B.2.2 determine, through investigation using technology, the compound interest for a given investment, using repeated calculations of simple interest for no more than 6 compounding periods
- 11.B.2.3 describe the relationship between simple interest and compound interest in various ways (i.e., orally; in writing; using tables and graphs)
- 11.B.2.4 determine, through investigation using technology (e.g., a TVM Solver in a graphing calculator or on a website), the effect on the future value of a compound interest investment of changing the total length of time, the interest rate, or the compounding period
- 11.B.2.5 solve problems, using technology, that involve applications of compound interest to saving and investing
  - Compound interest: word problems (11-N.8)
  - Continuously compounded interest: word problems (11-N.9)
11.B.3 interpret information about different ways of borrowing and their associated costs, and make and justify informed borrowing decisions.
- 11.B.3.1 gather, interpret, and compare information about the effects of carrying an outstanding balance on a credit card at current interest rates
- 11.B.3.2 gather, interpret, and compare information describing 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 consolidate debt, loan drawn on a line of credit, payday or bridging loan)
- 11.B.3.3 calculate, using technology (e.g., calculator, spreadsheet), the total interest paid over the life of a personal loan, given the principal, the length of the loan, and the periodic payments, and use the calculations to justify the choice of a personal loan
- 11.B.3.4 determine, using a variety of tools (e.g., spreadsheet template, online amortization tables), the effect of the length of time taken to repay a loan on the principal and interest components of a personal loan repayment
- 11.B.3.5 compare, using a variety of tools (e.g., spreadsheet template, online amortization tables), the effects of various payment periods (e.g., monthly, biweekly) on the length of time taken to repay a loan and on the total interest paid
- 11.B.3.6 gather and interpret information about credit ratings, and describe the factors used to determine credit ratings and the consequences of a good or bad rating
- 11.B.3.7 make and justify a decision to borrow, using various criteria (e.g., income, cost of borrowing, availability of an item, need for an item) under various circumstances (e.g., having a large existing debt, wanting to pursue an education or training opportunity, needing transportation to a new job, wanting to set up a business)

11.C Transportation and Travel

11.C.1 interpret information about owning and operating a vehicle, and solve problems involving the associated costs;
- 11.C.1.1 gather and interpret information about the procedures (e.g., in the graduated licensing system) and costs (e.g., driver training; licensing fees) involved in obtaining an Ontario driver's licence, and the privileges and restrictions associated with having a driver's licence
- 11.C.1.2 gather and describe information about the procedures involved in buying or leasing a new vehicle or buying a used vehicle
- 11.C.1.3 gather and interpret information about the procedures and costs involved in insuring a vehicle (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 insurance costs for different categories of drivers and for different vehicles
- 11.C.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 or purchasing a used vehicle, and describe the conditions that favour each alternative
- 11.C.1.5 describe ways of failing to operate a vehicle responsibly (e.g., lack of maintenance, careless driving) and possible financial and non-financial consequences (e.g., legal costs, fines, higher insurance rates, demerit points, loss of driving privileges)
- 11.C.1.6 identify and describe costs (e.g., gas consumption, depreciation, insurance, maintenance) and benefits (e.g., convenience, increased profit) of owning and operating a vehicle for business
- 11.C.1.7 solve problems, using technology (e.g., calculator, spreadsheet), that involve the fixed costs (e.g., licence fee, insurance) and variable costs (e.g., maintenance, fuel) of owning and operating a vehicle
11.C.2 plan and justify a route for a trip by automobile, and solve problems involving the associated costs;
- 11.C.2.1 determine distances represented on maps (e.g., provincial road map, local street map, Web-based maps), using given scales
- 11.C.2.2 plan and justify, orally or in writing, a route for a trip by automobile on the basis of a variety of factors (e.g., distances involved, the purpose of the trip, the time of year, the time of day, probable road conditions, personal priorities)
- 11.C.2.3 report, orally or in writing, on the estimated costs (e.g., gasoline, accommodation, food, entertainment, tolls, car rental) involved in a trip by automobile, using information from available sources (e.g., automobile association travel books, travel guides, the Internet)
- 11.C.2.4 solve problems involving the cost of travelling by automobile for personal or business purposes
11.C.3 interpret information about different modes of transportation, and solve related problems.
- 11.C.3.1 gather, interpret, and describe information about the impact (e.g., monetary, health, environmental) of daily travel (e.g., to work and/or school), using available means (e.g., car, taxi, motorcycle, public transportation, bicycle, walking)
- 11.C.3.2 gather, interpret, and compare information about the costs (e.g., insurance, extra charges based on distance travelled) and conditions (e.g., one-way or return, drop-off time and location, age of the driver, required type of driver's licence) involved in renting a car, truck, or trailer, and use the information to justify a choice of rental vehicle
- 11.C.3.3 gather, interpret, and describe information regarding routes, schedules, and fares for travel by airplane, train, or bus
- 11.C.3.4 solve problems involving the comparison of information concerning transportation by airplane, train, bus, and automobile in terms of various factors (e.g., cost, time, convenience)

Ontario

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11.A Earning and Purchasing

11.A.1 interpret information about different types of remuneration, and solve problems and make decisions involving different remuneration methods;

11.A.1.1 gather, interpret, and compare information about the components of total earnings (e.g., salary, benefits, vacation pay, profit-sharing) in different occupations

11.A.1.2 gather, interpret, and describe information about different remuneration methods (e.g., hourly rate, overtime rate, job or project rate, commission, salary, gratuities) and remuneration schedules (e.g., weekly, biweekly, semi-monthly, monthly)

11.A.1.3 describe the effects of different remuneration methods and schedules on decisions related to personal spending habits (e.g., the timing of a major purchase, the scheduling of mortgage payments and other bill payments)

11.A.1.4 solve problems, using technology (e.g., calculator, spreadsheet), and make decisions involving different remuneration methods and schedules

11.A.2 demonstrate an understanding of payroll deductions and their impact on purchasing power;

11.A.2.1 gather, interpret, and describe information about government payroll deductions (i.e., CPP, EI, income tax) and other payroll deductions (e.g., contributions to pension plans other than CPP; union dues; charitable donations; benefit-plan contributions)

11.A.2.2 estimate and compare, using current secondary data (e.g., federal tax tables), the percent of total earnings deducted through government payroll deductions for various benchmarks (e.g., $15 000, $20 000, $25 000)

11.A.2.3 describe the relationship between gross pay, net pay, and payroll deductions (i.e., net pay is gross pay less government payroll deductions and any other payroll deductions), and estimate net pay in various situations

11.A.2.4 describe and compare the purchasing power and living standards associated with relevant occupations of interest

11.A.3 demonstrate an understanding of the factors and methods involved in making and justifying informed purchasing decisions.

11.A.3.1 identify and describe various incentives in making purchasing decisions (e.g., 20% off; 1/3 off; buy 3 get 1 free; loyalty rewards; coupons; 0% financing)

11.A.3.2 estimate the sale price before taxes when making a purchase (e.g., estimate 25% off of $38.99 as 25% or ¼ off of $40, giving a discount of about $10 and a sale price of approximately $30; alternatively, estimate the same sale price as about 3/4 of $40)

11.A.3.4 calculate discounts, sale prices, and after-tax costs, using technology

11.A.3.5 identify forms of taxation built into the cost of an item or service (e.g., gasoline tax, tire tax)

11.A.3.6 estimate the change from an amount offered to pay a charge

11.A.3.7 make the correct change from an amount offered to pay a charge, using currency manipulatives

11.A.3.8 compare the unit prices of related items to help determine the best buy

11.A.3.9 describe and compare, for different types of transactions, the extra costs that may be associated with making purchases (e.g., interest costs, exchange rates, shipping and handling costs, customs duty, insurance)

11.B Saving, Investing, and Borrowing

11.B.1 describe and compare services available from financial institutions;

11.B.2 demonstrate an understanding of simple and compound interest, and solve problems involving related applications;

11.B.2.1 determine, through investigation using technology (e.g., calculator, spreadsheet), the effect on simple interest of changes in the principal, interest rate, or time, and solve problems involving applications of simple interest

11.B.2.2 determine, through investigation using technology, the compound interest for a given investment, using repeated calculations of simple interest for no more than 6 compounding periods

11.B.2.3 describe the relationship between simple interest and compound interest in various ways (i.e., orally; in writing; using tables and graphs)

11.B.2.4 determine, through investigation using technology (e.g., a TVM Solver in a graphing calculator or on a website), the effect on the future value of a compound interest investment of changing the total length of time, the interest rate, or the compounding period

11.B.2.5 solve problems, using technology, that involve applications of compound interest to saving and investing

11.B.3 interpret information about different ways of borrowing and their associated costs, and make and justify informed borrowing decisions.

11.B.3.1 gather, interpret, and compare information about the effects of carrying an outstanding balance on a credit card at current interest rates

11.B.3.3 calculate, using technology (e.g., calculator, spreadsheet), the total interest paid over the life of a personal loan, given the principal, the length of the loan, and the periodic payments, and use the calculations to justify the choice of a personal loan

11.B.3.4 determine, using a variety of tools (e.g., spreadsheet template, online amortization tables), the effect of the length of time taken to repay a loan on the principal and interest components of a personal loan repayment

11.B.3.5 compare, using a variety of tools (e.g., spreadsheet template, online amortization tables), the effects of various payment periods (e.g., monthly, biweekly) on the length of time taken to repay a loan and on the total interest paid

11.B.3.6 gather and interpret information about credit ratings, and describe the factors used to determine credit ratings and the consequences of a good or bad rating

11.C Transportation and Travel

11.C.1 interpret information about owning and operating a vehicle, and solve problems involving the associated costs;

11.C.1.1 gather and interpret information about the procedures (e.g., in the graduated licensing system) and costs (e.g., driver training; licensing fees) involved in obtaining an Ontario driver's licence, and the privileges and restrictions associated with having a driver's licence

11.C.1.2 gather and describe information about the procedures involved in buying or leasing a new vehicle or buying a used vehicle

11.C.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 or purchasing a used vehicle, and describe the conditions that favour each alternative

11.C.1.5 describe ways of failing to operate a vehicle responsibly (e.g., lack of maintenance, careless driving) and possible financial and non-financial consequences (e.g., legal costs, fines, higher insurance rates, demerit points, loss of driving privileges)

11.C.1.6 identify and describe costs (e.g., gas consumption, depreciation, insurance, maintenance) and benefits (e.g., convenience, increased profit) of owning and operating a vehicle for business

11.C.1.7 solve problems, using technology (e.g., calculator, spreadsheet), that involve the fixed costs (e.g., licence fee, insurance) and variable costs (e.g., maintenance, fuel) of owning and operating a vehicle

11.C.2 plan and justify a route for a trip by automobile, and solve problems involving the associated costs;

11.C.2.1 determine distances represented on maps (e.g., provincial road map, local street map, Web-based maps), using given scales

11.C.2.2 plan and justify, orally or in writing, a route for a trip by automobile on the basis of a variety of factors (e.g., distances involved, the purpose of the trip, the time of year, the time of day, probable road conditions, personal priorities)

11.C.2.3 report, orally or in writing, on the estimated costs (e.g., gasoline, accommodation, food, entertainment, tolls, car rental) involved in a trip by automobile, using information from available sources (e.g., automobile association travel books, travel guides, the Internet)

11.C.2.4 solve problems involving the cost of travelling by automobile for personal or business purposes

11.C.3 interpret information about different modes of transportation, and solve related problems.

11.C.3.1 gather, interpret, and describe information about the impact (e.g., monetary, health, environmental) of daily travel (e.g., to work and/or school), using available means (e.g., car, taxi, motorcycle, public transportation, bicycle, walking)

11.C.3.3 gather, interpret, and describe information regarding routes, schedules, and fares for travel by airplane, train, or bus

11.C.3.4 solve problems involving the comparison of information concerning transportation by airplane, train, bus, and automobile in terms of various factors (e.g., cost, time, convenience)