DAILY School Grade Level 11

LESSON Teacher Learning Area GENERAL MATHEMATICS

LOG Date:
Quarter 2
Time:

I. OBJECTIVES NOVEMBER 21, 2022 NOVEMBER 22, 2022 NOVEMBER 23, 2022 NOVEMBER 24, 2022

A. Content Standard The learner demonstrates understanding of key concepts of simple and compound interests, and simple and general annuities. .

B. Performance
Standard The learner is able to apply investigate, analyze and solve problems involving simple and compound interests and simple and general
annuities using appropriate business and financial instruments. .

● illustrates simple and general annuities. M11GM-IIc-1

C. Learning
● distinguishes between simple and general annuities M11GM-IIc-2
Competencies
● finds the future value and present value of both simple annuities and general annuities. M11GM-IIc-d-1

illustrates simple and general
annuities. M11GM-IIc-1
● Objectives
distinguishes between simple
and general annuities M11GM-
IIc-2
finds the future value and Evaluate student’s learning
through printed assessment
present value of both simple
annuities and general
annuities. M11GM-IIc-d-1

II. CONTENT
Topic : Simple and General Annuities
Simple and General Annuities Simple and General Annuities Simple and General Annuities
III. LEARNING
RESOURCES
A. References
 1. Teacher’s Guide General Mathematics Teacher’s General Mathematics Teacher’s General Mathematics
Pages Guide page 156-157 Guide page 156-162 Teacher’s Guide page162 -166

2. Learner’s Material
Pages

3. Textbook Pages

4. Additional
Materials from
Learning
Resources

B. Other Learning TV, laptop, powerpoint

TV, laptop, powerpoint TV, laptop, powerpoint TV, laptop, powerpoint
Resources presentation
presentation presentation presentation
IV. PAMAMARAAN

A. Reviewing previous Ask students to have a recap on

lesson or presenting Ask students examples where yesterday's topic
the new lesson What is simple and general
people pay by installment.
annuities?
Review yesterday’s topic

B. Establishing a The future value of a simple

purpose for the annuity is the amount of
lesson In this lesson, we will put Give pointers for the
money one has at assessment.
together our knowledge in
solving interest, present value the end of the term or the
and future value in simple and value of the last day of
compound interests. payment. The higher the

discount rate, the higher the

future value of the annuity.
To find the future

value, we can either use one

 of the two solutions.

1. Use Time Diagram of the

Cash flow or a Cash flow
stream

2. Use the formula:

Where:

C = Periodic payment

i = interest rate

n = number of period x
number of years

C. Presenting Individual Activity There are examples of

examples/instances annuities like deposits to a
of the new lesson Let the students illustrate savings account, monthly
simple annuities housing or car mortgages
payment, insurance
payments, pension or
retirement products, credit
cards purchase, loans, and
debts.
D. Discussing new Once the students are in the
concepts and group they will share the
practicing new skill problem they have and show
#1
 to their classmates how they
get the correct answer. If the
answer shown is incorrect the
group will work together to
solve it correctly.

.
E. Discussing new
concepts and
practicing new skill
#2

F. Developing Mastery Ask students examples where The future value of a simple
people pay by installment. annuity is the amount of
Student check their classmates
Possible answers: Insurance money one has at the end of answers sheets
payments, major purchases the term or the value of the
(e.g., appliances, property), or last day of payment. The
loan payments higher the

discount rate, the higher the

future value of the annuity.
To find the future

value using formula.

Let the students distinguish
between simple and general
annuities by providing examples.

1. Duke is receiving
Both simple and general ₱2,000 annually for
annuities have a time diagram the next 5 years and
for its cash how as shown below. he invested each
The main diference is that in a payment at 5%. How
simple annuity the payment much would Duke
interval is the same as the have at the end of the
interest period while in a five-year period?
general annuity the payment
interval is not the same as the
interest period.

The present value of an

annuity is the current value of
future payments

from an annuity, given a

specified rate of return. The
higher the discount rate,

the lower the value of the

annuity. To find the present
value, we can use formula.
 1. Suppose Mrs. Mariño
would like to know
the present value of
her monthly deposit
of ₱3,000 when
interest is 9%
compounded
monthly. How much is
the present value of
her savings at the end
of 6 months?

G. Finding practical Allow the students to provide Given the following situations, If Kierus’ profit from his Call students randomly to cite
applications of real life examples of annuity distinguish whether it is simple MT job is worth 8% the practical applications of the
concepts & skills in certain and contingent annuity. annuity or general annuity. assessment.
compounded quarterly,
daily living.
what is the present value of
an annuity of P300,000
 1. Mrs. Remoto likes to save payable at the end of every
₱3,000 every month for 6 years six months for 3 years?
in a fund that

gives 9% compounded monthly.

2. Cris started to deposit ₱1,000

monthly in a fund that pays 6%

compounded quarterly for 15

years.

3. A teacher plans to save

₱5,000 every 6 months for 10
years in a bank

that pays 0.25% compounded

monthly.

4. In order to save for her high

school graduation, Marie
decided to save

₱2,000 at the end of each

quarter. The bank pays 0.50%
compounded

quarterly.

H. Making Let the students illustrate and Annuity – a sequence of Simple annuity are annuities Students generalized their
generalizations & distinguish between simple and payments made at equal when the compounding learning by reflecting on their
abstractions about general annuities by providing scores and taking notes
(fixed) intervals or period is equal to the
the lesson
examples. payment period while of the lessons they need to
periods of time. (Verzosa general annuity are review/ restudy
et.al, 2016) annuities where the

I. Evaluating Learning Find: amount (future value) at
the end of the term, F
(1) Illustrate the cash how
in a time diagram
(2) Find the future value of
all the payments at the
end of the term (t = 6)
Simple Annuity – an annuity
where the payment interval is
the same as
the interest period. (Verzosa
et.al, 2016)
General Annuity – an annuity
where the payment interval is
not the
same as the interest period.
(Verzosa et.al, 2016)
POST-TEST
Given the following
situations, illustrate and
distinguish whether it is
simple
annuity or general annuity.
Write your answer in your
activity notebook.
1. Monthly payments of
₱3,000 for 4 years with
interest rate of 3%
compounded monthly.
2. Semi-annual payments of
₱150,000 with intrest rate of
8% compounded
compounding period is not
equal to the payment period.
There are examples of
annuities like deposits to a
savings account, monthly
housing or car mortgages
payment, insurance
payments, pension or
retirement products, credit
cards purchase, loans, and
debts.
Problem-Solving Checking of students’ output
1. Determine the future
value of annual deposits of
₱8,000 for fifteen
years into an account
earning 11% compounded
quarterly.
2. Find the present value of
monthly payments of
₱11,000 are required
for twenty years at 8.9%
compounded semi-annually.
3. Kalmin’s annuity pays
₱2,700 at the end of each
year for 4 years.
 annually for 10 years.
3. Annual payments of
₱20,500 with interest rate of
8.5% compounded
semi-annually for 3 years.
4. Quarterly payment of
₱5,000 for 10 years with
interest rate of 2%
The annuity earns 6.5%
compounded annually.
Determine the
present value of annuity.
Construct a cash flow
stream.

compounded quarterly.

5. Quarterly payment of
₱15,000 for 10 years with
interest rate of 8%

compounded annually. 3. Mr.

Seniro invested P150,000.00
at 5% for 8 years and another
P150,000.00 at 8% for 5
years. Which investment will
yield higher interest and by
how much?

J. Additional activities
for application or
remediation

V. REMARKS

VI. REFLECTION

a. No. of learners who

earned 80% in the
 evaluation
b. No. of learners who
require additional
activities for
remediation who
scored below 80%
c. Did the remedial
lesson work? No. of
learners who
caught up with the
lesson
d. No. of learners who
continue to require
remediation
e. Which of my
teaching strategies
worked well? Why
did this work?
f. What difficulties
did I encounter
which my principal
or supervisor can
help me solve?
g. What innovation or
localized materials
did I use/discover
which I wish to
share with other
teachers?