The document outlines a lesson plan for teaching general annuities in a mathematics class. Students will learn to define general annuity and ordinary annuity, solve related problems, and engage in group activities that require them to apply the formulas. Various examples and assignments are provided to help students grasp the concepts of present and future values of annuities.

1. GENERAL
MATHEMATICS
RACHEL M. CUEVAS, MST
Teacher III

2. • Class should actively
participate
• If somebody is talking in
front, keep quiet.
• Raise your hand if you want
to answer
Classroom Rules:

3. a. Have you already tried to invest
your money?
b. Have you tried to borrow money
to someone?
c. Were you aware of the amount
that you will gain or pay in the
future?

4. GENERAL
ORDINARY
ANNUITY

5. At the end of the lesson, students
are expected to:
1. Define general annuity and
general ordinary annuity.
2. Solve the future and present
value of general ordinary
annuity.
M11GM-IIc-d-1
Objectives:

6. The class will be divided into
five groups. Each group will
be given a problem on
annuity.
Using the formula given the
students will answer the
problems involving general
annuities.
FV =
After 5 minutes each
group will post their
solutions on the board
and present to the class.
ACTIVITY:

7. 1. How did you find the
activity?
2. What have you noticed
with the payment interval
and conversion period?
3. How did you come up
with your answer?

8. GENERAL ANNUITY
Definition:
Interest conversion
or compounding
period is unequal or
not the same as
payment interval
General Ordinary Annuity
Annuity in which the
periodic payment is
made at the end of each
payment interval

9. Formula for General
Ordinary Annuity
FV =
Future Value
Where: b =
c= number of months in a compounding period
p = number of months in payment interval
PV =
Present Value

10. Example 1:
The latest cell phone sells for
Php5,000.00 down payment and
Php900.00 every end of each
quarter for 3 years at the rate of
8% compounded semi-annually.
Find the cash equivalent of the
cell phone
PV =
P= 900
n = 3(2) =6
i= = 0.04
b= p= 3 c=6
₱ 9 529.28

11. Example 2:
In an school event, Angel needs to
wear a Blaan traditional costume.
The amount of a traditional Blaan
costume costs Php 5,000.00. To
cover this amount Angel borrows
from his uncle and agrees to pay
₱800.00 every end of 3 months at
3% compounded semi-annually for
2 years. What is the total amount
will Angel pay to her uncle?
P= 800
n = 2(2) =4
i= = 0.015
b= p= 3 c=6
₱ 6 569.90
FV =

12. APPLICATION:
Create/craft one problem that includes general
ordinary annuity based on the following local
situations.
Group 1. Outreach Program in a Blaan Community
Group 2. Livelihood Program for the IP Community
Group 3. College Education Fund
Solve the crafted problems and present to the class
your output

13. Direction: In a ½ sheet of paper solve the given
problems. Show your solution using the formula.
1. Jack deposited Php 1,000.00 in the bank
monthly that pays 3% compounded semi-
annulaly. How much will be in his bank account
after 10 years?
2. Kimberly borrowed money from Ana Mae. She
agrees to pay the principal plus interest by
paying Php 15,000.00 each year for 5 years. How
much did she borrowed if the interest is
compounded quarterly?
Let's try it out

14. Assignment
Direction: Solve the given problem. Show your
solution using the formula. Put your output on a
½ sheet of paper. (10 points)
Charmine saves Php 3,000.00 monthly in
a fund with 5% compounded quarterly.
How much will behis savings after 5
years?

15. Thank you!
Here's to using everyday math in making
healthy financial decisions.