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程序代写案例-MATH 034
时间：2022-05-03
MATH 034 – Spring_Web 2022 – Page 1
MATH 034
Mathematics of Money
SYLLABUS
Spring 2022 - WEB
GENERAL INFORMATION
Instructor Information:
Instructor: Dr. Fernanda Bonafini, fcb5100@psu.edu
Office: 005 McAllister Building
Online Office hours: MWF 10:30 am to 11:20 am
https://psu.zoom.us/j/8638477468
Password: 034
Course Format:
This semester, section 002 originally delivered as face-to-face at University Park, will be taught
in the remote asynchronous format due to COVID-19 restrictions. This means that the class is
going to be paced with course materials being released on Canvas every Mondays, Wednesdays,
and Fridays, and you will have weekly deadlines to submit your assignments. You will be
responsible for reading course material, watching the video lessons, taking part in course
assignments, and turning in course deliverables according to the due dates listed in Canvas.
This is not a World-Campus class.
Catalog Description:
MATH 034 (GQ) The Mathematics of Money (3 semester hours). This course is intended to be
one of several offered by the mathematics department with the goal of helping students from non-
technical majors partially satisfy their general education quantification. It is designed to provide a
sound introduction to the uses of college level mathematics in personal finance applications.
Topics include: simple interest, simple discount, compound interest, annuities, investments,
retirement plans, taxes, credit cards, and mortgages.
Prerequisite:
One unit of algebra or MATH 004.
Course Materials:
• Calculator (required)
NOTE: E-mail is definitely the
best way to reach me.
Please use Canvas system to
send me an email.
MATH 034 – Spring_Web 2022 – Page 2
Calculators will be used extensively in this course. Any calculator is allowed, as long as it does
not have built-in finance functionality. If you are unsure if your calculator is allowed, ask me.
• Textbook (Optional)
Business Math: The Mathematics of Money, THIRD EDITION by T.J. Biehler. The textbook
may be purchased at the bookstore or at any bookstore of your preference. Some students find it
helpful to have a book that further explains the material while other students prefer to rely solely
on the slides presented in the lectures. The book contains extra homework problems that will not
be collected but are recommended for extra practice.
Learning Objectives:
The course objectives for MATH 034 are:
• Analyze real world financial problems using linear equations, exponential and logarithmic
equations, and arithmetic and geometric sequences and sums.
• Demonstrate mastery of personal finance concepts, including simple interest, simple discount,
compound interest, annuities, taxes, investments, retirement planning, credit cards, and
mortgages.
• Recognize personal finance concepts within their broader social context.
• Apply problem-solving skills and logical reasoning to personal finance, and make strategic
decisions based upon this work.
Upon successful completion of MATH 034, a student should be able to:
1. Recognize the time value of money.
2. Calculate the principal, interest, rate, and term of a simple interest loan.
3. Classify patterns as arithmetic or geometric sequences.
4. Compute terms and sums of arithmetic and geometric sequences.
5. Model real world financial situations, including simple interest loans and investments, with
arithmetic sequences and linear functions.
6. Calculate the maturity value, proceeds, discount, rate, and term of a simple discount loan.
7. Compare simple interest loans and simple discount loans.
8. Model real world financial situations, including single deposits earning compound interest,
with geometric sequences and exponential functions.
9. Calculate the future value, present value, interest, rate, and time for a single deposit earning
compound interest.
10. Compare loans and investments with different nominal rates and compounding frequencies in
order to choose the best rate.
11. Recognize real world financial situations that can be described as annuities and identify the
type of annuity.
MATH 034 – Spring_Web 2022 – Page 3
12. Model real world financial situations, including annuities, with geometric sequences and
exponential functions.
13. Calculate an annuity's future/present value, payment, and total interest.
14. Construct amortization tables for loans.
15. Calculate sales tax, the price before tax, and the total price including tax.
16. Calculate federal income taxes, federal income tax withholding, and FICA taxes.
17. Measure the performance of investments in stocks by calculating dividend rates and yields,
compound annual growth rates, and total rates of return.
18. Calculate the interest payments and current yield of a bond.
19. Project a reasonable rate of return for a diversified investment portfolio.
20. Compute the value of an investment in a mutual fund after fees.
21. Measure the performance of mutual funds by calculating rates of return.
22. Calculate pension benefits, employee contributions and employer matching, and vested
balances for different retirement plans.
23. Predict future values that incorporate inflation using geometric sequences exponential
functions.
24. Develop projections for retirement plans that take into account the impact of inflation.
25. Model depreciation using both exponential decay and linear equations.
26. Estimate economic impact using geometric sums.
27. Compute credit card interest using the Average Daily Balance Method.
28. Compare credit card offers based on their annual fees and interest rates.
29. Calculate the equity, maximum loan amount, total monthly payment, upfront expenses, and
points for a mortgage loan.
30. Determine whether a borrower qualifies for a mortgage loan.
31. Calculate the monthly payment for a car lease.
32. Analyze financial situations to find break-even points using cost-revenue analysis.
Course Website:
The course website for all sections of MATH 034 is on Canvas, Penn State's course management
system located at https://psu.instructure.com/. Course materials available on Canvas includes the
syllabus, course schedule, slides, homework assignments, exam information, and student grades.
Homework:
Online homework assignments (on Canvas) will be given regularly throughout the semester.
Homework will be worth a total of 20% of your final grade. At the end of the semester, each
student's lowest two homework grades will be dropped. It is the student's responsibility to
MATH 034 – Spring_Web 2022 – Page 4
regularly check Canvas for the homework due dates. There is no extension on homework
deadlines. Any missing assignment will receive grade zero at the end of the semester. There are
no make-up points for homework assignments.
Exit Ticket:
Exit tickets are a great way to document student learning, check for understanding, or emphasize
the main points of a lesson. Every video lesson will come with an exit ticket to be completed
in Canvas before the next video lecture. The exit tickets standard deadlines will be at 11:59
pm EST every Monday, Wednesday, and Friday. There are no extensions for these
deadlines.
Each exit ticket will comprise one or two problems similar to the ones from the video lesson. The
goal of the exit ticket is for you to test your knowledge of the learned material. Exit ticket will be
worth a total of 5% of your final grade. To receive your exit ticket point, you have to answer
“ALL questions” available at the Exit ticket. You will get the exit ticket point even if your
answers are incorrect.
Midterm Exams:
Two midterm exams will be administered online (on Canvas). The midterms will be worth a
total of 40% of your final grade (20% for Midterm 1 and 20% for Midterm 2). Aside from
length and level of difficulty, the format for the midterms will be the same as the homework
assignments.
Midterm 1 February 17th – February 18th
Midterm 2 March 29th – March 30th
Final Exam:
The final exam will be administered online (on Canvas). The final exam will be worth a total of
35% of your final grade. The date of your final exam is below. Please, ignore the date in
LionPath.
Final Exam May 2nd – May 3rd
Students who cannot take the scheduled midterms or the final examination due to a valid and
documented reason, such as illness, may be allowed to take a make-up examination. Personal
business such as travel, employment, weddings, graduations, technical problems with your
computer, or attendance at public events (e.g., concerts, sporting events, Greek Rush events, etc.)
MATH 034 – Spring_Web 2022 – Page 5
is not a valid excuse. Forgetting the dates of the examination is not a valid excuse. If the student
does not have a valid reason for taking the make-up midterms or final examination, a 30%
penalty will be imposed on the respective assignment. All such make-up examinations must be
arranged through me within 24 hours of the regularly scheduled midterms or final examination.
Students who have taken the original midterms or final examination are not permitted to take the
make-up examination.
Grades:
Each of several activities and products will contribute to your final course grade, as summarized
in the chart:
Course Activity Weighted Contribution to Course Grade
Homework 20%
Exit Ticket 5%
Midterm 1 20%
Midterm 2 20%
Final Exam 35%
Your weighted average for the five components will be converted into a course grade using the
following minimums as boundaries for the letter grades:
A A- B+ B B- C+ C D F
95% 90% 85% 80% 75% 70% 65% 60% < 60%
Your grade will be based exclusively on the homework, exit ticket, midterm examinations, and
final examination. There is no extra-credit work. The final grades will not be rounded up.
Canvas Display of Final Grades:
Be mindful that students with ungraded work or missed assignments will have their final grade
displayed in Canvas during the semester without any unsubmitted assignments factored in, which
gives students an inaccurate view of their grades. Students can uncheck the "calculate based only
on graded assignments" box on their grades page to see what their real grade will be. At the end
of the semester, all missed assignments will be converted to zero making the final grade displayed
in Canvas accurate.
Technical Requirements:
Standard computer technical specifications are assumed for this course. Please test your computer
MATH 034 – Spring_Web 2022 – Page 6
(https://courses.worldcampus.psu.edu/public/diagnostics/canvas.shtml) for requirements. It is the
student's responsibility to ensure your computer has a charger, your passwords are updated, and
you have a reliable internet connection so that you can adequately access and perform your
homework, midterms, and final assignments. There are no extensions or make-up points for hw
assignments or exams due to students with computer issues or internet connection. If your
personal computer is not reliable, please make alternate arrangements ahead of time. You may be
able to use the library facilities to do your homework and exams. You can check the library hours
here: https://libraries.psu.edu/hours-and-locations.
Access to Canvas:
Students are expected to login to Canvas daily to check for course updates, announcements,
emails, etc. Students are required to use Canvas for all course email communication with the
professor, and students are expected to be checking their email and notifications at least daily.
Changes:
Please note that additions or changes to the syllabus as well as topics and the assigned
videos/homework may occur as we move through the course, so always reference the Canvas
Calendar and Module tabs for the most recent assignments, due dates, prep work, and events.
When the professor makes a change to the calendar, they will notify students (via announcement
and in class) and make the appropriate changes in Canvas.
Student Work Outside the Classroom:
Students are expected to devote at least two hours to out-of-class work for each video lecture
available in Canvas. Out-of-class work may include such activities as doing homework
assignments other than examinations, solving extra problem sets, posting to an online discussion
board, participating at office hours, and other work that assists in comprehension of course
content such as outlining and studying for examinations.
Late Drop:
Students may add/drop a course following the Spring 2022 calendar available
https://www.registrar.psu.edu/academic-calendars/2021-22.cfm Regular drop deadline is
Saturday, January 15 at 11:59 p.m. (ET). Regular Add - Deadline is Sunday, January 16 at 11:59
p.m. (ET). A student may late drop a course but accrues late drop credits equal to the number of
credits in the dropped course. A baccalaureate student is limited to 16 late drop credits. The late
drop deadline for Spring 2022 is Friday, April 8 at 11:59 p.m. (ET).
MATH 034 – Spring_Web 2022 – Page 7
Important Dates:
Description Date
Intent to Graduate Activation Period Sunday, January 2 - Monday, January 24
Classes Begin Monday, January 10
Regular Drop Deadline Saturday, January 15 at 11:59 p.m. (ET)
Regular Add Deadline Sunday, January 16 at 11:59 p.m. (ET)
Late Drop Begins Sunday, January 16
Late Registration Begins Monday, January 17
Martin Luther King Day - No Classes Monday, January 17
Final Exam Conflict - Filing Period Monday, February 14 - Sunday, March 6
Late Drop Deadline Friday, April 8 at 11:59 p.m. (ET)
Declare Minor Deadline (Graduating Students) Friday, April 8
Withdrawal Deadline Friday, April 29 at 5:00 p.m. (ET)
Classes End Friday, April 29 at 5:00 p.m. (ET)
Study Days Saturday, April 30 - Sunday, May 1
Final Exams Monday, May 2 - Friday, May 6
Deferred Grades:
Students who are currently passing a course but are unable to complete the course due to illness
or emergency may be granted a deferred grade, which allows the student to complete the course
within ten weeks following the end date of the course (as it appears in the Schedule of Courses on
lionPATH). Note that deferred grades are limited to those students who can verify and document
a valid reason for not being able to take the final examination. For more information, please see
http://www.registrar.psu.edu/grades/deferred.cfm.
Academic Integrity:
Academic dishonesty is not limited to simply cheating on an exam or assignment. The following
is quoted directly from the “PSU Faculty Senate Policies for Students” regarding academic
integrity and academic dishonesty: “Academic integrity is the pursuit of scholarly activity free
from fraud and deception and is an educational objective of this institution. Academic dishonesty
includes, but is not limited to, cheating, plagiarizing, fabricating of information or citations,
facilitating acts of academic dishonesty by others, having unauthorized possession of
examinations, submitting work of another person or work previously used without informing me,
or tampering with the academic work of other students." All University and Eberly College of
Science policies regarding academic integrity/academic dishonesty apply to this course and the
MATH 034 – Spring_Web 2022 – Page 8
students enrolled in this course. Refer to the following URL for further details on the academic
integrity policies of the Eberly College of Science: http://science.psu.edu/current-
students/Integrity/index.html.
Each student in this course is expected to work entirely on her/his own while taking any exam, to
complete assignments on her/his own effort without the assistance of others unless directed
otherwise by me, and to abide by University and Eberly College of Science policies about
academic integrity and academic dishonesty. Academic dishonesty can result in an assignment of
“F” or “XF” by Judicial A airs as the final grade for the student.
Code of Mutual Respect and Cooperation - The Eberly College of Science Code of Mutual
Respect and Cooperation pertains to all members of the college community; faculty, staff, and
students:
The Code of Mutual Respect and Cooperation was developed to embody the values that we hope
our faculty, staff, and students possess, consistent with the aspirational goals expressed in the
Penn State Principles. The University is strongly committed to freedom of expression, and
consequently, the Code does not constitute University or College policy, and is not intended to
interfere in any way with an individual's academic or personal freedoms. We hope, however, that
individuals will voluntarily endorse the 12 principles set forth in the Code, thereby helping us
make the Eberly College of Science a place where every individual feels respected and valued, as
well as challenged and rewarded. The 12 Principles of the Code are:
1. Treat everyone equally and with respect
2. Be courteous
3. Be ready to communicate
4. Encourage others and share your expertise with them
5. Give and accept constructive criticism
6. Be receptive to change
7. Be a team player
8. Get involved
9. Have a positive attitude
10. Be honest and accept responsibility
11. Recognize other people's priorities
12. Strive to do your best
Penn State Statement on Diversity, Equity, and Inclusion:
The Pennsylvania State University is committed to and accountable for advancing diversity,
equity, and inclusion in all of its forms. We embrace individual uniqueness, foster a culture of
MATH 034 – Spring_Web 2022 – Page 9
inclusive excellence that supports both broad and specific diversity initiatives, leverage the
educational and institutional benefits of diversity, and engage all individuals to help them thrive.
We value inclusive excellence as a core strength and an essential element of our public service
mission. At Penn State:
• We will foster and maintain a safe environment of respect and inclusion for faculty, staff,
students, and members of the communities we serve
• We will educate our faculty, staff, and students to be social justice advocates, creatively
providing curricula, programs, and environments that respect the diversity of our communities,
and elevate cultural awareness.
• We will ensure fair and inclusive access to our facilities, programs, resources, and services, and
ensure that all of our policies and practices are inclusive and equitable.
• We will advance and build our workforce by assessing hiring practices and performance review
procedures to attract, retain, and develop talented faculty and staff from diverse backgrounds.
• We will address intergroup disparities in areas such as representation, retention, learning
outcomes, and graduation rates.
Students with Disabilities:
Penn State welcomes students with disabilities into the University's educational programs. Every
Penn State campus has an office for students with disabilities. For further information, please visit
the Student Disability Resources (SDR) website: http://equity.psu.edu/student-disability-
resources. In order to receive consideration for reasonable accommodations, you must contact the
appropriate disability services office at the campus where you are officially enrolled, participate
in an intake interview, and provide documentation: http://equity.psu.edu/student-disability-
resources/applying-for-services/documentation-guidelines. If the documentation supports the
need for academic adjustments, ODS will provide a letter identifying appropriate academic
adjustments. Please share this letter and discuss the adjustments with your instructor as early in
the course as possible. You must contact ODS and request academic adjustment letters at the
beginning of each semester.
In order to address the special requests to facilitate learning of any students with disabilities,
including those with hearing and sight loss, it is necessary for those students to inform the course
instructor who will bring these requests to the attention of the Administrative Assistant.
[Act of 1990 (ADA) ,Title II]
If your situation requires accommodation and you already have the accommodation letter, please
send me the document by email. I will read it and return it signed to you in 48 hours. If necessary,
I will set an appointment with you for clarification and further discussion.
MATH 034 – Spring_Web 2022 – Page 10
Psychological Services:
Many students at Penn State face personal challenges or have psychological needs that may
interfere with their academic progress, social development, or emotional wellbeing. The
university offers a variety of confidential services to help you through difficult times, including
individual and group counseling, crisis intervention, consultations, online chats, and mental
health screenings. These services are provided by staff who welcome all students and embrace a
philosophy respectful of clients' cultural and religious backgrounds, and sensitive to differences
in race, ability, gender identity and sexual orientation.
• Counseling and Psychological Services at University Park (CAPS) (814-863-0395)
• Counseling and Psychological Services at Commonwealth Campuses
• Penn State Crisis Line (24 hours/7 days/week): 877-229-6400
• Crisis Text Line (24 hours/7 days/week): Text LIONS to 741741
Reporting Bias:
Penn State takes great pride to foster a diverse and inclusive environment for students, faculty,
and staff. Acts of intolerance, discrimination, or harassment due to age, ancestry, color, disability,
gender, gender identity, national origin, race, religious belief, sexual orientation, or veteran status
are not tolerated and can be reported through Educational Equity via the Report Bias webpage
(http://equity.psu.edu/reportbias/).
Open-Door Policy:
Please do not hesitate to contact me immediately if you have any difficulties, insights or questions
regarding what we are doing or are not doing in this course. Likewise, I would like to hear
whether things are going well or even just okay. If my office hours conflict with your schedule,
please e-mail or ask me after class, and we can plan to meet at a different time. I ask that you e-
mail or ask first only because it saves your time and guarantees that we both will be available at
the time we set.
MATH 034 – Spring_Web 2022 – Page 11
Schedule of Topics
This schedule is tentative. If it changes, I will update the syllabus in Canvas.
Week 1 Content Week 9 Content
Monday 01.10.22 Introduction Monday 03.07.22 Spring Break
Wednesday 01.12.22 Math Review 1 Wednesday 03.09.22 Spring Break
Friday 01.14.22 Math Review 2 Friday 03.11.22 Spring Break
Week 2 Office hours begin Week 10
Monday 01.17.22 Martin Luther King Jr. Monday 03.14.22 Compound Interest 3
Wednesday 01.19.22 Currency Conversion Wednesday 03.16.22 Compound Interest 4
Friday 01.21.22 Cost-Benefit Analysis Friday 03.18.22 Compound Interest 5
Week 3 Week 11
Monday 01.24.22 Taxes 1 - Sales Taxes Monday 03.21.22 Stocks
Wednesday 01.26.22
Taxes 2 Wednesday 03.23.22 Mutual Funds
Friday 01.28.22
Taxes 3 Friday 03.25.22
Stocks & Mutual Funds -
Practice
Week 4 Week 12
Monday 01.31.22 Taxes 4 - Practice
Problems
Monday 03.28.22 Midterm 2 Review
Wednesday 02.02.22
Simple Interest 1 Wednesday 03.30.22
Midterm 2 Period
03.29.22-03.30.22
Friday 02.04.22 Simple Interest 2 Friday 04.01.22 Annuities 1 - FV
Week 5 Week 13
Monday 02.07.22 Simple Discount 1 Monday 04.04.22 Annuities 1 - FV
Wednesday 02.09.22 Simple Discount 2 Wednesday 04.06.22 Annuities 2 - PV
Friday 02.11.22 Simple Interest & Simple
Discount - Practice
Friday 04.08.22 Annuities 3 - Practice
Week 6 Week 14
Monday 02.14.22 Equivalent Rates Monday 04.11.22 Annuities 4 - Practice
Wednesday 02.16.22 Midterm 1 review Wednesday 04.13.22 Mortgages 1
Friday 02.18.22 Midterm 1 Period
02.17.22-02.18.22
Friday 04.15.22 Mortgages 2
Week 7 Week 15
Monday 02.21.22
Credit Cards Monday 04.18.22
Mortgages 3 - Practice
Problems
Wednesday 02.23.22 Bonds 1 Wednesday 04.20.22 Leasing 1
Friday 02.25.22 Bonds 2 Friday 04.22.22 Leasing 2 - Practice
Week 8 Week 16
Monday 02.28.22 Compound Interest 1 Monday 04.25.22 Retirement Planning
Wednesday 03.02.22 Compound Interest 2 Wednesday 04.27.22 Retirement Planning - Practice
Friday 03.04.22 Inflation & Depreciation Friday 04.29.22 Final Exam Review
MATH 034 – Spring_Web 2022 – Page 12
MATH 034
Mathematics of Money
SYLLABUS
Spring 2022 - WEB
GENERAL INFORMATION
Instructor Information:
Instructor: Dr. Fernanda Bonafini, fcb5100@psu.edu
Office: 005 McAllister Building
Online Office hours: MWF 10:30 am to 11:20 am
https://psu.zoom.us/j/8638477468
Password: 034
Course Format:
This semester, section 002 originally delivered as face-to-face at University Park, will be taught
in the remote asynchronous format due to COVID-19 restrictions. This means that the class is
going to be paced with course materials being released on Canvas every Mondays, Wednesdays,
and Fridays, and you will have weekly deadlines to submit your assignments. You will be
responsible for reading course material, watching the video lessons, taking part in course
assignments, and turning in course deliverables according to the due dates listed in Canvas.
This is not a World-Campus class.
Catalog Description:
MATH 034 (GQ) The Mathematics of Money (3 semester hours). This course is intended to be
one of several offered by the mathematics department with the goal of helping students from non-
technical majors partially satisfy their general education quantification. It is designed to provide a
sound introduction to the uses of college level mathematics in personal finance applications.
Topics include: simple interest, simple discount, compound interest, annuities, investments,
retirement plans, taxes, credit cards, and mortgages.
Prerequisite:
One unit of algebra or MATH 004.
Course Materials:
• Calculator (required)
NOTE: E-mail is definitely the
best way to reach me.
Please use Canvas system to
send me an email.
MATH 034 – Spring_Web 2022 – Page 2
Calculators will be used extensively in this course. Any calculator is allowed, as long as it does
not have built-in finance functionality. If you are unsure if your calculator is allowed, ask me.
• Textbook (Optional)
Business Math: The Mathematics of Money, THIRD EDITION by T.J. Biehler. The textbook
may be purchased at the bookstore or at any bookstore of your preference. Some students find it
helpful to have a book that further explains the material while other students prefer to rely solely
on the slides presented in the lectures. The book contains extra homework problems that will not
be collected but are recommended for extra practice.
Learning Objectives:
The course objectives for MATH 034 are:
• Analyze real world financial problems using linear equations, exponential and logarithmic
equations, and arithmetic and geometric sequences and sums.
• Demonstrate mastery of personal finance concepts, including simple interest, simple discount,
compound interest, annuities, taxes, investments, retirement planning, credit cards, and
mortgages.
• Recognize personal finance concepts within their broader social context.
• Apply problem-solving skills and logical reasoning to personal finance, and make strategic
decisions based upon this work.
Upon successful completion of MATH 034, a student should be able to:
1. Recognize the time value of money.
2. Calculate the principal, interest, rate, and term of a simple interest loan.
3. Classify patterns as arithmetic or geometric sequences.
4. Compute terms and sums of arithmetic and geometric sequences.
5. Model real world financial situations, including simple interest loans and investments, with
arithmetic sequences and linear functions.
6. Calculate the maturity value, proceeds, discount, rate, and term of a simple discount loan.
7. Compare simple interest loans and simple discount loans.
8. Model real world financial situations, including single deposits earning compound interest,
with geometric sequences and exponential functions.
9. Calculate the future value, present value, interest, rate, and time for a single deposit earning
compound interest.
10. Compare loans and investments with different nominal rates and compounding frequencies in
order to choose the best rate.
11. Recognize real world financial situations that can be described as annuities and identify the
type of annuity.
MATH 034 – Spring_Web 2022 – Page 3
12. Model real world financial situations, including annuities, with geometric sequences and
exponential functions.
13. Calculate an annuity's future/present value, payment, and total interest.
14. Construct amortization tables for loans.
15. Calculate sales tax, the price before tax, and the total price including tax.
16. Calculate federal income taxes, federal income tax withholding, and FICA taxes.
17. Measure the performance of investments in stocks by calculating dividend rates and yields,
compound annual growth rates, and total rates of return.
18. Calculate the interest payments and current yield of a bond.
19. Project a reasonable rate of return for a diversified investment portfolio.
20. Compute the value of an investment in a mutual fund after fees.
21. Measure the performance of mutual funds by calculating rates of return.
22. Calculate pension benefits, employee contributions and employer matching, and vested
balances for different retirement plans.
23. Predict future values that incorporate inflation using geometric sequences exponential
functions.
24. Develop projections for retirement plans that take into account the impact of inflation.
25. Model depreciation using both exponential decay and linear equations.
26. Estimate economic impact using geometric sums.
27. Compute credit card interest using the Average Daily Balance Method.
28. Compare credit card offers based on their annual fees and interest rates.
29. Calculate the equity, maximum loan amount, total monthly payment, upfront expenses, and
points for a mortgage loan.
30. Determine whether a borrower qualifies for a mortgage loan.
31. Calculate the monthly payment for a car lease.
32. Analyze financial situations to find break-even points using cost-revenue analysis.
Course Website:
The course website for all sections of MATH 034 is on Canvas, Penn State's course management
system located at https://psu.instructure.com/. Course materials available on Canvas includes the
syllabus, course schedule, slides, homework assignments, exam information, and student grades.
Homework:
Online homework assignments (on Canvas) will be given regularly throughout the semester.
Homework will be worth a total of 20% of your final grade. At the end of the semester, each
student's lowest two homework grades will be dropped. It is the student's responsibility to
MATH 034 – Spring_Web 2022 – Page 4
regularly check Canvas for the homework due dates. There is no extension on homework
deadlines. Any missing assignment will receive grade zero at the end of the semester. There are
no make-up points for homework assignments.
Exit Ticket:
Exit tickets are a great way to document student learning, check for understanding, or emphasize
the main points of a lesson. Every video lesson will come with an exit ticket to be completed
in Canvas before the next video lecture. The exit tickets standard deadlines will be at 11:59
pm EST every Monday, Wednesday, and Friday. There are no extensions for these
deadlines.
Each exit ticket will comprise one or two problems similar to the ones from the video lesson. The
goal of the exit ticket is for you to test your knowledge of the learned material. Exit ticket will be
worth a total of 5% of your final grade. To receive your exit ticket point, you have to answer
“ALL questions” available at the Exit ticket. You will get the exit ticket point even if your
answers are incorrect.
Midterm Exams:
Two midterm exams will be administered online (on Canvas). The midterms will be worth a
total of 40% of your final grade (20% for Midterm 1 and 20% for Midterm 2). Aside from
length and level of difficulty, the format for the midterms will be the same as the homework
assignments.
Midterm 1 February 17th – February 18th
Midterm 2 March 29th – March 30th
Final Exam:
The final exam will be administered online (on Canvas). The final exam will be worth a total of
35% of your final grade. The date of your final exam is below. Please, ignore the date in
LionPath.
Final Exam May 2nd – May 3rd
Students who cannot take the scheduled midterms or the final examination due to a valid and
documented reason, such as illness, may be allowed to take a make-up examination. Personal
business such as travel, employment, weddings, graduations, technical problems with your
computer, or attendance at public events (e.g., concerts, sporting events, Greek Rush events, etc.)
MATH 034 – Spring_Web 2022 – Page 5
is not a valid excuse. Forgetting the dates of the examination is not a valid excuse. If the student
does not have a valid reason for taking the make-up midterms or final examination, a 30%
penalty will be imposed on the respective assignment. All such make-up examinations must be
arranged through me within 24 hours of the regularly scheduled midterms or final examination.
Students who have taken the original midterms or final examination are not permitted to take the
make-up examination.
Grades:
Each of several activities and products will contribute to your final course grade, as summarized
in the chart:
Course Activity Weighted Contribution to Course Grade
Homework 20%
Exit Ticket 5%
Midterm 1 20%
Midterm 2 20%
Final Exam 35%
Your weighted average for the five components will be converted into a course grade using the
following minimums as boundaries for the letter grades:
A A- B+ B B- C+ C D F
95% 90% 85% 80% 75% 70% 65% 60% < 60%
Your grade will be based exclusively on the homework, exit ticket, midterm examinations, and
final examination. There is no extra-credit work. The final grades will not be rounded up.
Canvas Display of Final Grades:
Be mindful that students with ungraded work or missed assignments will have their final grade
displayed in Canvas during the semester without any unsubmitted assignments factored in, which
gives students an inaccurate view of their grades. Students can uncheck the "calculate based only
on graded assignments" box on their grades page to see what their real grade will be. At the end
of the semester, all missed assignments will be converted to zero making the final grade displayed
in Canvas accurate.
Technical Requirements:
Standard computer technical specifications are assumed for this course. Please test your computer
MATH 034 – Spring_Web 2022 – Page 6
(https://courses.worldcampus.psu.edu/public/diagnostics/canvas.shtml) for requirements. It is the
student's responsibility to ensure your computer has a charger, your passwords are updated, and
you have a reliable internet connection so that you can adequately access and perform your
homework, midterms, and final assignments. There are no extensions or make-up points for hw
assignments or exams due to students with computer issues or internet connection. If your
personal computer is not reliable, please make alternate arrangements ahead of time. You may be
able to use the library facilities to do your homework and exams. You can check the library hours
here: https://libraries.psu.edu/hours-and-locations.
Access to Canvas:
Students are expected to login to Canvas daily to check for course updates, announcements,
emails, etc. Students are required to use Canvas for all course email communication with the
professor, and students are expected to be checking their email and notifications at least daily.
Changes:
Please note that additions or changes to the syllabus as well as topics and the assigned
videos/homework may occur as we move through the course, so always reference the Canvas
Calendar and Module tabs for the most recent assignments, due dates, prep work, and events.
When the professor makes a change to the calendar, they will notify students (via announcement
and in class) and make the appropriate changes in Canvas.
Student Work Outside the Classroom:
Students are expected to devote at least two hours to out-of-class work for each video lecture
available in Canvas. Out-of-class work may include such activities as doing homework
assignments other than examinations, solving extra problem sets, posting to an online discussion
board, participating at office hours, and other work that assists in comprehension of course
content such as outlining and studying for examinations.
Late Drop:
Students may add/drop a course following the Spring 2022 calendar available
https://www.registrar.psu.edu/academic-calendars/2021-22.cfm Regular drop deadline is
Saturday, January 15 at 11:59 p.m. (ET). Regular Add - Deadline is Sunday, January 16 at 11:59
p.m. (ET). A student may late drop a course but accrues late drop credits equal to the number of
credits in the dropped course. A baccalaureate student is limited to 16 late drop credits. The late
drop deadline for Spring 2022 is Friday, April 8 at 11:59 p.m. (ET).
MATH 034 – Spring_Web 2022 – Page 7
Important Dates:
Description Date
Intent to Graduate Activation Period Sunday, January 2 - Monday, January 24
Classes Begin Monday, January 10
Regular Drop Deadline Saturday, January 15 at 11:59 p.m. (ET)
Regular Add Deadline Sunday, January 16 at 11:59 p.m. (ET)
Late Drop Begins Sunday, January 16
Late Registration Begins Monday, January 17
Martin Luther King Day - No Classes Monday, January 17
Final Exam Conflict - Filing Period Monday, February 14 - Sunday, March 6
Late Drop Deadline Friday, April 8 at 11:59 p.m. (ET)
Declare Minor Deadline (Graduating Students) Friday, April 8
Withdrawal Deadline Friday, April 29 at 5:00 p.m. (ET)
Classes End Friday, April 29 at 5:00 p.m. (ET)
Study Days Saturday, April 30 - Sunday, May 1
Final Exams Monday, May 2 - Friday, May 6
Deferred Grades:
Students who are currently passing a course but are unable to complete the course due to illness
or emergency may be granted a deferred grade, which allows the student to complete the course
within ten weeks following the end date of the course (as it appears in the Schedule of Courses on
lionPATH). Note that deferred grades are limited to those students who can verify and document
a valid reason for not being able to take the final examination. For more information, please see
http://www.registrar.psu.edu/grades/deferred.cfm.
Academic Integrity:
Academic dishonesty is not limited to simply cheating on an exam or assignment. The following
is quoted directly from the “PSU Faculty Senate Policies for Students” regarding academic
integrity and academic dishonesty: “Academic integrity is the pursuit of scholarly activity free
from fraud and deception and is an educational objective of this institution. Academic dishonesty
includes, but is not limited to, cheating, plagiarizing, fabricating of information or citations,
facilitating acts of academic dishonesty by others, having unauthorized possession of
examinations, submitting work of another person or work previously used without informing me,
or tampering with the academic work of other students." All University and Eberly College of
Science policies regarding academic integrity/academic dishonesty apply to this course and the
MATH 034 – Spring_Web 2022 – Page 8
students enrolled in this course. Refer to the following URL for further details on the academic
integrity policies of the Eberly College of Science: http://science.psu.edu/current-
students/Integrity/index.html.
Each student in this course is expected to work entirely on her/his own while taking any exam, to
complete assignments on her/his own effort without the assistance of others unless directed
otherwise by me, and to abide by University and Eberly College of Science policies about
academic integrity and academic dishonesty. Academic dishonesty can result in an assignment of
“F” or “XF” by Judicial A airs as the final grade for the student.
Code of Mutual Respect and Cooperation - The Eberly College of Science Code of Mutual
Respect and Cooperation pertains to all members of the college community; faculty, staff, and
students:
The Code of Mutual Respect and Cooperation was developed to embody the values that we hope
our faculty, staff, and students possess, consistent with the aspirational goals expressed in the
Penn State Principles. The University is strongly committed to freedom of expression, and
consequently, the Code does not constitute University or College policy, and is not intended to
interfere in any way with an individual's academic or personal freedoms. We hope, however, that
individuals will voluntarily endorse the 12 principles set forth in the Code, thereby helping us
make the Eberly College of Science a place where every individual feels respected and valued, as
well as challenged and rewarded. The 12 Principles of the Code are:
1. Treat everyone equally and with respect
2. Be courteous
3. Be ready to communicate
4. Encourage others and share your expertise with them
5. Give and accept constructive criticism
6. Be receptive to change
7. Be a team player
8. Get involved
9. Have a positive attitude
10. Be honest and accept responsibility
11. Recognize other people's priorities
12. Strive to do your best
Penn State Statement on Diversity, Equity, and Inclusion:
The Pennsylvania State University is committed to and accountable for advancing diversity,
equity, and inclusion in all of its forms. We embrace individual uniqueness, foster a culture of
MATH 034 – Spring_Web 2022 – Page 9
inclusive excellence that supports both broad and specific diversity initiatives, leverage the
educational and institutional benefits of diversity, and engage all individuals to help them thrive.
We value inclusive excellence as a core strength and an essential element of our public service
mission. At Penn State:
• We will foster and maintain a safe environment of respect and inclusion for faculty, staff,
students, and members of the communities we serve
• We will educate our faculty, staff, and students to be social justice advocates, creatively
providing curricula, programs, and environments that respect the diversity of our communities,
and elevate cultural awareness.
• We will ensure fair and inclusive access to our facilities, programs, resources, and services, and
ensure that all of our policies and practices are inclusive and equitable.
• We will advance and build our workforce by assessing hiring practices and performance review
procedures to attract, retain, and develop talented faculty and staff from diverse backgrounds.
• We will address intergroup disparities in areas such as representation, retention, learning
outcomes, and graduation rates.
Students with Disabilities:
Penn State welcomes students with disabilities into the University's educational programs. Every
Penn State campus has an office for students with disabilities. For further information, please visit
the Student Disability Resources (SDR) website: http://equity.psu.edu/student-disability-
resources. In order to receive consideration for reasonable accommodations, you must contact the
appropriate disability services office at the campus where you are officially enrolled, participate
in an intake interview, and provide documentation: http://equity.psu.edu/student-disability-
resources/applying-for-services/documentation-guidelines. If the documentation supports the
need for academic adjustments, ODS will provide a letter identifying appropriate academic
adjustments. Please share this letter and discuss the adjustments with your instructor as early in
the course as possible. You must contact ODS and request academic adjustment letters at the
beginning of each semester.
In order to address the special requests to facilitate learning of any students with disabilities,
including those with hearing and sight loss, it is necessary for those students to inform the course
instructor who will bring these requests to the attention of the Administrative Assistant.
[Act of 1990 (ADA) ,Title II]
If your situation requires accommodation and you already have the accommodation letter, please
send me the document by email. I will read it and return it signed to you in 48 hours. If necessary,
I will set an appointment with you for clarification and further discussion.
MATH 034 – Spring_Web 2022 – Page 10
Psychological Services:
Many students at Penn State face personal challenges or have psychological needs that may
interfere with their academic progress, social development, or emotional wellbeing. The
university offers a variety of confidential services to help you through difficult times, including
individual and group counseling, crisis intervention, consultations, online chats, and mental
health screenings. These services are provided by staff who welcome all students and embrace a
philosophy respectful of clients' cultural and religious backgrounds, and sensitive to differences
in race, ability, gender identity and sexual orientation.
• Counseling and Psychological Services at University Park (CAPS) (814-863-0395)
• Counseling and Psychological Services at Commonwealth Campuses
• Penn State Crisis Line (24 hours/7 days/week): 877-229-6400
• Crisis Text Line (24 hours/7 days/week): Text LIONS to 741741
Reporting Bias:
Penn State takes great pride to foster a diverse and inclusive environment for students, faculty,
and staff. Acts of intolerance, discrimination, or harassment due to age, ancestry, color, disability,
gender, gender identity, national origin, race, religious belief, sexual orientation, or veteran status
are not tolerated and can be reported through Educational Equity via the Report Bias webpage
(http://equity.psu.edu/reportbias/).
Open-Door Policy:
Please do not hesitate to contact me immediately if you have any difficulties, insights or questions
regarding what we are doing or are not doing in this course. Likewise, I would like to hear
whether things are going well or even just okay. If my office hours conflict with your schedule,
please e-mail or ask me after class, and we can plan to meet at a different time. I ask that you e-
mail or ask first only because it saves your time and guarantees that we both will be available at
the time we set.
MATH 034 – Spring_Web 2022 – Page 11
Schedule of Topics
This schedule is tentative. If it changes, I will update the syllabus in Canvas.
Week 1 Content Week 9 Content
Monday 01.10.22 Introduction Monday 03.07.22 Spring Break
Wednesday 01.12.22 Math Review 1 Wednesday 03.09.22 Spring Break
Friday 01.14.22 Math Review 2 Friday 03.11.22 Spring Break
Week 2 Office hours begin Week 10
Monday 01.17.22 Martin Luther King Jr. Monday 03.14.22 Compound Interest 3
Wednesday 01.19.22 Currency Conversion Wednesday 03.16.22 Compound Interest 4
Friday 01.21.22 Cost-Benefit Analysis Friday 03.18.22 Compound Interest 5
Week 3 Week 11
Monday 01.24.22 Taxes 1 - Sales Taxes Monday 03.21.22 Stocks
Wednesday 01.26.22
Taxes 2 Wednesday 03.23.22 Mutual Funds
Friday 01.28.22
Taxes 3 Friday 03.25.22
Stocks & Mutual Funds -
Practice
Week 4 Week 12
Monday 01.31.22 Taxes 4 - Practice
Problems
Monday 03.28.22 Midterm 2 Review
Wednesday 02.02.22
Simple Interest 1 Wednesday 03.30.22
Midterm 2 Period
03.29.22-03.30.22
Friday 02.04.22 Simple Interest 2 Friday 04.01.22 Annuities 1 - FV
Week 5 Week 13
Monday 02.07.22 Simple Discount 1 Monday 04.04.22 Annuities 1 - FV
Wednesday 02.09.22 Simple Discount 2 Wednesday 04.06.22 Annuities 2 - PV
Friday 02.11.22 Simple Interest & Simple
Discount - Practice
Friday 04.08.22 Annuities 3 - Practice
Week 6 Week 14
Monday 02.14.22 Equivalent Rates Monday 04.11.22 Annuities 4 - Practice
Wednesday 02.16.22 Midterm 1 review Wednesday 04.13.22 Mortgages 1
Friday 02.18.22 Midterm 1 Period
02.17.22-02.18.22
Friday 04.15.22 Mortgages 2
Week 7 Week 15
Monday 02.21.22
Credit Cards Monday 04.18.22
Mortgages 3 - Practice
Problems
Wednesday 02.23.22 Bonds 1 Wednesday 04.20.22 Leasing 1
Friday 02.25.22 Bonds 2 Friday 04.22.22 Leasing 2 - Practice
Week 8 Week 16
Monday 02.28.22 Compound Interest 1 Monday 04.25.22 Retirement Planning
Wednesday 03.02.22 Compound Interest 2 Wednesday 04.27.22 Retirement Planning - Practice
Friday 03.04.22 Inflation & Depreciation Friday 04.29.22 Final Exam Review
MATH 034 – Spring_Web 2022 – Page 12
