DOCUMENT RESUME ED 463 612 EC 308 908 AUTHOR Walford, Sylvia B.; Thomas, Portia R. TITLE Consumer Mathematics. Teacher's Guide [and Student Guide]. Parallel Alternative Strategies for Students (PASS). INSTITUTION Leon County Schools, Tallahassee, FL. Exceptional Student Education.; Florida State Dept. of Education, Tallahassee. Bureau of Instructional Support and Community Services. REPORT NO ESE-8849.A; ESE-8849.B PUB DATE 1999-00-00 NOTE 384p.; Course no. 1205370. Teacher's guide reprint 1999, originally published in 1995. Student guide reprint 2001, originally published in 1995. Part of the Curriculum Improvement Project funded under the Individuals with Disabilities Education Act (IDEA), Part B. AVAILABLE FROM Florida State Dept. of Education, Div. of Public Schools and Community Education, Bureau of Instructional Support and Community Services, Turlington Bldg., Room 628, 325 West Gaines St., Tallahassee, FL 32399-0400 (Teacher's guide, $3.30; Student guide, $8.05) .Tel: 850-487-0186; Tel: 800-487-0186 (Toll Free); Fax: 850-487-2679; e-mail: [email protected]; Web site: http://www.leon.k12.fl.us/public/pass. PUB TYPE Guides Classroom Learner (051) Guides Classroom Teacher (052) EDRS PRICE MF01/PC16 Plus Postage. DESCRIPTORS Academic Accommodations (Disabilities); Academic Standards; *Consumer Education; Curriculum; *Daily Living Skills; *Disabilities; Economics Education; Inclusive Schools; Instructional Materials; Insurance; Mathematics Instruction; *Money Management; Purchasing; Retirement; Secondary Education; *Secondary School Mathematics; State Curriculum Guides; Teaching Guides; *Teaching Methods; Textbooks IDENTIFIERS *Florida ABSTRACT This teacher's guide and student guide are designed to accompany a consumer mathematics textbook that contains supplemental readings, activities, and methods adapted for secondary students who have disabilities and other students with diverse learning needs. The materials are designed to help these students succeed in regular education content courses and include simplified text and smaller units of study. The curriculum correlates to Florida's Sunshine State Standards and is divided into the following 9 units of study:(1) budgeting your income;(2) banking and checking;(3) buying and selling;(4) borrowing and lending; (5) purchasing a car and car insurance;(6) paying your taxes;(7) choosing a place to live, deciding whether to rent or buy, playing real estate taxes, and home insurance;(8) investing your money and stocks and bonds; and (9) planning for retirement. For each unit, the teachers' guide includes a general description of the unit's content and the unit's focus, provides suggestions for instructional activities, and contains an assessment to measure student performance. Appendices in the teacher's guide contain a chart describing standards and benchmarks. The student guide contains Reproductions supplied by EDRS are the best that can be made from the original document. vocabulary lists, explanation of content, and practice exercises designed to evaluate comprehension. (Contains 25 references.) (CR) Reproductions supplied by EDRS are the best that can be made from the original document. Consumer Mathematics. Teacher's Guide [and Student Guide]. Parallel Alternative Strategies for Students (PASS). Sylvia B. Walford and Portia R. Thomas U.S. DEPARTMENT OF EDUCATION PERMISSION TO REPRODUCE AND Office of Educational Research and Improvement DISSEMINATE THIS MATERIAL HAS BEEN EDUCATIONAL RESOURCES GRANTED BY INFORMATION CENTER (ERIC) ij This document has been reproduced as received from the person or organization originating it. A. M. Duncan Minor changes have been made to improve reproduction quality. TO THE EDUCATIONAL RESOURCES INFORMATION CENTER (ERIC) Points of view or opinions stated in this document do not necessarily represent official OERI position or policy. 2 _ABLE L)ES COPYAVM Parallel Alternativ ez*Strategles for Students Teacher's Guide Consumer Mathematics Course No. 1205370 SCOPE OF INTEREST NOTICE The ERIC Facility has assigned this document for processing to: In our judgment, this document is also of interest to the Clear- inghouses noted to the right. indexing should reflect their SC special points of view. 1995 Ot!Florida Department of Education Mow www.firn.edu/doe This is one of many publications available through the Bureau of Instructional Support Community Services, Florida Department of Education, designed to assist school districts, state agencies which support educational programs, and parents in the provision of special programs. For additional information on this publication, or for a list of available publications, contact the Clearinghouse Information Center, Bureau of Instructional Support and Community Services, Division of Public Schools and Community Education, Florida Department of Education, Room 622 Turlington Bldg., Tallahassee, Florida 32399-0400. telephone: (850) 488-1879 FAX: (850) 487-2679 Suncom: 278-1879 e-mail: [email protected] website: http://www.firn.edu/doe/commhome/ Consumer Mathematics Teacher's Guide Bureau of Instructional Support and Community Services Division of Public Schools and Community Education Florida Department of Education Reprinted 1999 5 This product was developed by Leon County Schools, Exceptional Student Education Department, through the Curriculum Improvement Project, funded by the State of Florida, Department of Education, Division of Public Schools, Bureau of Student Services and Exceptional Education through federal assistance under the Individuals with Disabilities Education Act (IDEA), Part B. Copyright State of Florida Department of State 1995 Authorization for reproduction is hereby granted to the State System of Public Education as defined in Section 228.041(1), Florida Statutes. No authorization is granted for distribution or reproduction outside the State System of Public Education without prior approval in writing. \ Consumer Mathematics Teacher's Guide written by Sylvia B. Walford graphics by Portia R. Thomas Curriculum Improvement Project IDEA, Part B, Special Project ISM LOON HUMS Exceptional Student Education 7 Curriculum Improvement Project Sylvia Walford, Project Manager Exceptional Student Education (ESE) Beverley Blanton, Area Leader, State and Federal Programs Beverly Simpkins, Director, ESE Programs and Curriculum School Board of Leon County Scott Dailey Donna Harper Emily Millen Curtis Richardson, Chair Donna Uzzell Superintendent of Leon County Schools Richard L. Merrick 8 Table of Contents Acknowledgements vii Foreword ix User's Guide )d Introduction 1 Unit 1: Budgeting Your Income Quiz 13 Keys 15 Unit 2: Banking and Checking Quiz 17 Keys 21 Unit 3: Buying and Selling Quiz 23 Keys 27 Unit 4: Borrowing and Lending Quiz 31 Keys 35 Unit 5: Purchasing a Car Quiz 39 Keys 41 Unit 6: Paying Your Taxes Quiz 43 Keys 47 v Unit 7: Choosing a Place to Live Quiz 49 Keys 51 Unit 8: Investing Your Money Quiz 53 Keys 55 Unit 9: Planning for Retirement Quiz 57 Keys 65 Appendices Appendix A: Correlation to Student Performance Standards 69 Appendix B: Multimedia Bibliography 73 Appendix C: References 75 1 0 vi Acknowledgements This Parallel Alternative Strategies for Students (PASS) volumeConsumer Mathematics, was started originally by BrowardCounty exceptional educators. From this early draft materials, several Leon County teachers have worked together toshape the content and design, as well as review this text for appropriateness and usability. Curriculum Writers Design and Production Donna Bensko, Mathematics Teacher Sylvia B. Walford, Project Manager Lincoln High School Portia R. Thomas, Graphics Designer Tallahassee, FL Blanche Blank, Word Processor Curriculum Improvement Project Marguerite Burton, Mathematics Teacher Leon County Schools Rickards High School Tallahassee, FL Tallahassee, FL Copyeditor Vicki Register, Mathematics Teacher Jeren Goldstein Griffin Middle School Tallahassee, FL Tallahassee, FL Mitchell Weber, Mathematics Teacher Godby High School Tallahassee, FL Foreword Parallel Alternative Strategies for Students (PASS) books are content-centered packages of alternative materials and activities designed to assist secondary teachers to meet the needs of students of various achievement levels in the basic education content courses. Each PASS offers teachers supplementary activities and strategies to assist certain exceptional students and low-achieving students in the attainment of the intended outcomes of a specific course. The alternative methods and activities found in the PASS materials have been adapted to meet the needs of students who have mild disabilities and are mainstreamedin content classes. The PASS materials provide basic education teachers with a modified approach for presenting the course content that may be useful with these students and other students who have learning or behavior problems. The PASS materials also provide the exceptional education teacher who is teaching subject area courses with curriculum materials designed for these exceptional education students. Students with learning or behavior problems often requiit alternative methods of presentation and evaluation of important content. The content in PASS differs from the standard textbooks and workbooks in several ways: simplified text; smaller units of study; reduced vocabulary level; increased frequency of drill and practice; shorter reading assignments; clearer and more concise directions; less cluttered format; and the presentation of skills in small, sequential steps. As