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NOTES:
SIMPLE INTEREST FORMULAS
● Italized – important info to keep in mind
● Keep in mind the given (may ques na what
Is = Prt R = Is/Pt
is being asked in the problem)
○ Example: How much does he P = Is/rt T = Is/Pr
expect to withdraw at the end of
the policy? Future Value Is = simple interest r = simple interest
● FORMULAS ARE NEEDED for the exam
S
P = principal, or the rate
● GAMITIN BUONG VALUE NG J amount invested t = term or time
PO
● This reviewer will only serve as a GUIDE,
keep in mind to study each concept EXAMPLE 1:
thoroughly P = 10,000 Is = ?
● Do not share to other sections – del T = 6 months r = 5%
Is = 250
M
mundo & campos ONLY (Sir Simon, 2024)
★ Compound Interest (Ic) - interest is
INTEREST computed on the principal and also on the
A
accumulated past interests
● Difference of simple and compound
C
interest, borrower and lender COMPOUND INTEREST FORMULAS
● Given: Which of the following banks would
you invest on? ( P = 1000 ) P = F / (1+r)^r F = P (1+r)^nt
&
○ 5% annually
○ 4% annually Ic = F - P
○ 3% semi annually
O
○ 2% quarterly P = principal or present value
F = maturity (future) value at the end
TERMS
D
of the term
★ Interest (I) - amount paid or earned for the r = interest rate
use of money
N
ZARATE, H. | 1
GENERAL MATHEMATICS
GRADE 11 ( S1 | Q2 ) SIMON BARRENUEVO SRSTHS | SY ‘23 - ’24
Where:
P = Present value of an
ordinary annuity
R = regular payment
I = interest rate per
period
n = number of payments
S
PO
○ General Ordinary
Annuity – Payment made at end of each
month; payment period & interest period
are not equal
M
A
Total Conversion Period:
N = (m1) (t)
C
Every month for 2 years = (12)(2) = 24
★ Dividends - portion of the company’s
Interest rate per period: r/n earning distributed among its
&
stockholders:
Interest rate per payment interval: ○ Dividend per share = total
J = ( 1 + r/n2)^n2/n1 - 1 dividend/total shares
O
○ Dividend formula = (%)(par value)(#
★ A car’s worth 500, 000. Person A made a of shares)
downpayment of 100,000, which must be
D
★ Par Value - the per share amount as
paid for 5 years with 10,000 monthly which stated on the company certificate.
has an interest that is compounded
N
★
quarterly. Stock table
○ Solve for the general annuity to get
U
annuity formula
★ Deferred annuity - an annuity that does not
begin until a given time interval has passed
D
ZARATE, H. | 2
GENERAL MATHEMATICS
GRADE 11 ( S1 | Q2 ) SIMON BARRENUEVO SRSTHS | SY ‘23 - ’24
★ Par Value or Face Value - the amount ● Negation - the negation of a proposition
payable on the maturity date; denoted by p is denoted by ~p : (read as ‘not p’)
F
★ Term (Tenor) of a Bond - fixed period p ~p
of time (in years) at which the bond is
redeemable as stated in the bond T F
certificate; number of years from time of
purchase to maturity date F T
S
★ Fair Price of a Bond - present value of ● Conjunction (^)– and;
PO
all cash inflows to the bondholder Same values = same results (T=T, F=F)
Once F = F results
ANNUAL COUPON AMOUNT = (FACE VALUE) q p P^q
(COUPON RATE)
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T T T
★ Concept of Loans
○ Consumer Loan– type of loan that is
A
F T F
offered to business and individuals
or other retail companies. T F F
C
○ Business Loan – a type of loan that
borrowed capital that companies F F F
apply toward expenses that they are
&
● Disjunction (v) – or; will only becomes
unable to pay for themselves false if BOTH of them are false
○ mas mataas interest rate ng
p q pvq
O
business loan kaysa sa consumer
loan T T T
D
Down payment = (down payment rate) (cash
T F T
price)
N
F T T
A car has a price of 100,000 then you need
U
payment) p q p→q
T T T
★ Mortgage - kabaliktaran ng downpayment
○ Orginal Value - DP
D
T F F
○ EXAMPLE: 100,00 then 12,000 ang DP
= 88,000 ang mortgage F T T
R
LOGIC F F T
FO
Logic - study of reasoning, seeks the rules and ● Biconditional (⭤ ) - if and only if | false if
principles of how people should reason correctly one value is false; otherwise same values
and rationally. = true
Proposition - this is a statement in declarative p q
form that expresses a single and complete idea, p ⭤ q
and bears either truth or falsity.
T T T
○ Simple Proposition - a proposition that
has only one subject and one predicate. T F F
○ Compound Proposition - a proposition
wherein two simple sentences are F T F
combined by a connector
ZARATE, H. | 3
GENERAL MATHEMATICS
GRADE 11 ( S1 | Q2 ) SIMON BARRENUEVO SRSTHS | SY ‘23 - ’24
F F T
● Logical equivalence
De Morgan, distributive, idempotent,
○
identity, absorption, double negation,
associative
○ Familiarize law and conversion
● Which of the following is the tautology
S
(similar like this na questions)
PO
M
A
C
&
O
D
N
U
M
EL
D
R
FO
ZARATE, H. | 4