Lesson Note
Lesson Note
DATE: 24/09/22
CLASS: SS3
TIME 9 :20am
PERIOD: 4th
DURATION:40 minutes
SUBJECT: -Mathematics
SPECIFIC OBJECTIVE: -At the end of the lesson, the students should be able to
define the following: (i) A matrix (ii) Order of a matrix (iii) Matrix notation (iv) list and explain types
of matrix
LESSON PRESENTATION:
Mode: Individual
Teacher’s activities.
The teacher asks students one after the other the occupation of their parents after which he then asks
the students to explain how did their parent arranged the provision store she has, the types of products
that their parents is selling ?
Mode: Group
Teacher’s Activities:
The teacher gives an illustration, using of the student parent trade as written below.
If Mrs. Okonkwo (Angela’s Mother) is running a restaurant in a company and She wants to keep
record of her sales according to the different manner she sells per day. The food types are as follow:
Soft Drink, rice, beans and Garri, the meal is grouped into (i) Breakfast (ii) Lunch and Dinner.
Represent the above illustration in a tabular form and fixed a price per mean and the type of food
Teacher’s Activities
The teacher guides the students in ----------- the price for different types of food per menu as shown
below.
Soft drink Rice Beans Garri
Break fast N50 N800 N300 N500
Lunch N100 N1000 N400 N600
Dinner N500 N900 N700 N400
The row is the meal while the column is the food types using matrices rotation, Mrs. Okonkwo can
conveniently write her prices in matrix form as shown below:
The teacher guides the students using the above illustration to define a matrix thus:
A matrix can be defined as a rectangular array of numbers (elements) that are arranged in rows and
column. The element are enclosed inside a big bracket, the numbers are either positive or negative
but with no any arithmetic connection. Matrices can be use to keep records.
The teacher also explained that the orders of a matrix is the number of rows and columns in that
matrix. Hence the order of matrix is determine by the number of rows and columns in that matrix, the
above matrix has three rows and four column therefore, is a 3 by 4 matrix. Consider the following
matrices for further examples on order of matrix. Consider the following matrices for further
examples on order of matrix.
1. 5 7 2
6 3 8 If a 2x3 matrix i.e 2 by 3 matrix
ii. 6 4
0 1 is a 4 x 2 matrix
2 3
NOTE:- No comma to separate the elements matrix notation is the representation of a large array of
number into a smaller number. It is a kind of short way of writing matrices.
By definition, two matrices are said to be equal if corresponding elements throughout are equal.
Teacher’ activities
The teacher gives examples on equal matrix as shown below and asks the students to find the entries
If a11 a12 a13 4 6 5
a21 a22 a23 = 2 3 7
a12 = 6 a22 =3
a13 = 5 a23 =7
Students’ Activities:- The students copy the example above In their Mathematics note.
Mode:- Individually
Teacher’s Activities
The teacher evaluate the lesson by asking the following questions from the students randomly
i) what is a matrix?
ASSIGNMENT: The teacher asks the students to study different types of matrices with
illustration before their next class
DATE: 04/10/22
CLASS: SS3
PERIOD:
DURATION: 80 MINUTES
SUBJECT: -Mathematics
SPECIFIC OBJECTIVES: At the end of the lesson, the students should be able to (i) organise
data and information in rectangular array
LESSON: PRESENTATION
Mode: Individual
Teachers Activities
The teacher writes different matrices pattern on the bound and then guides them in naming the
matrices using the concept of order of matrices .
(i) ( 2 3 5)
(ii) 3
4
5
(iii) 3 6
5 4
(iv) 1 0
0 1
(v) 1 0 0
0 1 0
0 0 1
Students Activities: The students respond to the questions given above.
Teachers Activities
The teachers asks the students to study the material given above and state the order of the material
also identify the relationship between them the teacher expect the student to attempt question without
any difficulties .
Student Activities
The student responds to the instruction given above
Step3 Discussion ;
Mode ; Entry Class
Teacher Activities
The teacher guides the student in listen the type of matrices from the activities stated above
(i) ( 235) = Row matrix:- It has only one row i.e A row matrix has only one row
(ii) 3
4 = Column matrix
5 A column matrix has only one columns ...... less of number of rows
(iv) Identify matrix:- Any square matrix that is multiple by another matrix to give that same matrix
is called an identity matrix. If is represented by I, the element in the leading diagonal are always
unity (1) and the remaining element are zero
1 0
0 1 2 by 2 identity matrix
(v) 1 0 0
0 1 0 3 by 3 identify matrix
0 0 1
Step vi = Application
Teachers activities
The teacher guides the students to perform operators on matrices as shown below
Example 1:
3 2 6 3 -1 2
If A = 4 5 0 and B 1 3 1
1 8 -2 4 2-1
Find (i) A + B
(ii) A-B
(iii) 2A
Solution
3 2 6 3 -1 2
A+B= 4 5 0 + 1 3 1
1 8 2 4 2 -1
3+3 2-1 6+2
= 4+1 5+3 0+1
1+4 8+2 -2-1
6 1 8
A+B = 5 8 1
5 10 -3
3 2 6 3 -1 2
A-B= 4 5 0 -- 1 3 1
1 8 2 4 2-1
A-B = 0 3 3
3 2 -1
3 6 -1
6 4 12
= 8 10 0
2 16 -4
3 1 2 1 3 2
Given matrix P = -4 2 1 and Q = 6 4 3
5 3 0 2 -5 4
3 x 5 + -2 7 2 -5 4
4 8 0 2 6 y
Show that matrices A and B are cumulative under addition grow that
1 2 3 6 4 1
A= -4 2 1 and B = 3 2 3
5 3 0 2 -5 4
DATE: 06 / 10/ 22
CLASS: SS3
PERIOD:
DURATION: 80 Minutes
SUBJECT: -Mathematics
SPECIFIC OBJECTIVES: At the end of the lesson, the students should be able to (i) Identify
matrices that can be multiplied together (ii) apply order of matrix in matrix multiplication (iii) Carry
out a scalar multiplication (iv) Multiply one matrix with another and represent result in a matrix.
INSTRUCTIONAL RESOURCES:- Chart showing matrix multiplication of a product price with the
quantity of the production.
LESSON PRESENTATION
Students’ Activities:- The students study the matrices given as instructed by the teacher
Step 2: EXPLORATION
Mode:- Group
Teachers Activities
The teacher guides the students in carry-out multiplication concept such that each elements of the first
matrix will multiply each element in a column format of theSecond matrix is shown below
Group 1
3x2+2x1
1x2+0x1
Matrix is an element of the 2nd matrix that cannot be multiplied by another element in the first matrix
Group 2
5 2 3 2 5x2+2x1 +3x3
1 46 1 =
3 1x2+4x1+6x3
Students’ Activities:- The students response to the question above
Step 3 = Discussion
Mode:- Entrice class
Teacher’s Activities
The teacher guides the students to obtain correct value of the multiplication carried out in each group.
He now uses the result obtained to explain to the student, thus.
Group I:- It is impossible to multiply the matrices together because the number of column is the
first matrix is not the same as the number row in the first matrix is not.
Group 2:- The multiplication is possible because the number of column in the first matrix is equal to
the number of rows in the second.
1 4
IF A = 2 5 and B = 2 4 1 5
3 6 3 5 7 6
Find AB
SOLUTION
1 4
IF A = 2 5 2 4 1 5
3 6 3 5 7 6
= 1x2+4x3 1x4+4x5 1x1+5x7 7x5+4x6
2x2+5x3 2x4+5x5 2x1+5x7 2x5+5x6
3x2+6x3 3x4+6x5 3x1+6x7 3x5+6x6
14 24 29 29
AB= 19 33 37 40
24 42 45 51
EXAMPLES
PQ = 5 3 1 1 5 1 5 5 3 1
3-47 3 2 QP= 3 2 3 -4 7
4-6 4 -6
= 5+9+4 25-16-6 QP= 5+15 3-20 1+35
3-12+28 15-8-42 15+6 9-22 3+14
20-18 12+24 4-42
PQ = 18 25 20 -17 36
19 =35 QP= 21 1 17
2 36 38
Step v= EVALUATION
Mode:- Entre Class
Teachers Activities:-
Given a matrix A- 2 3 B 1 2
-4 5 and 6 -7
(i) can the two matrices A and B given above be multiplied together
(ii) State the order of the two matrices
(iii) Evaluate AB
CONCLUTION:- The teacher summarizes the subject points after he had moved round to guide the
students in their class exercise.
Assignment:- The teacher gives the following as take home assignment
(a) 1 2 2 -1 0 (2) 1 2 6 2 4 2
4 6 3 5 7 5 4 8 1 5 -3
3 1 3 9 7 6 0 3
(3) 0 1 1 3 2
1 1 1 0 5
2 1 1 -1 1
DATE: 11 / 10 / 22
CLASS: SS3 E
DURATION: 80 minutes
SUBJECT: -Mathematics
SPECIFIC OBJECTIVES: At the end of the lesson, the students should be able to (i) Identify
Square matrices (ii) Identify the elements in the leading diagonal and the other diagonal matrix of 2
by 2 (iii) obtain the product of the elements in the diagonal of 2 by 2 (iv) Find the determinant of 2
by 2 matrix (v) Find the determinant of 3 by 3 matrix
Instructional Resources :- Chart showing 2 by 2 matrix and 3 by 3 Matrix in which the determinant
of matrices is carried out.
LESSON PRESENTATION
MODE:- Invidually
Teacher’s Activities
The teacher writes 2 by 2 matrix on the bond and asks the students to carry out the instructions given
below
3 2
A= 3 4
=6
Step III:- DISCUSSION
Teachers Activities
The teacher explains the results obtained by the students thus: A 2x2 matrix is also called square
matrix because it has equal number of rows and columns. The determinant (denoted by a pair of
vertical bars) of the matrix A is given as
a61 a22
a b c
d e f
g h k
The determinant of order two obtained by deleting the row and column of a particular entry of the
above determinant is called the minor of the particular entry of the above determinant. Suppose we
make Mii, the minor of the entry in the above determined we have
a21 a23
Find Al
Solution:
/A/ = 2 4 = 2x3-4x1
1 3 = 6-4
=2
Example 2
Evaluate the determinant
1 3 4
2 -3 1
-1 0 2
Solution
D = 1 -3 1 -3 2 1 14 2 -3
0 2 -1 2 -1 0
= -6 -3(5) + 4 (-3)
= -6-15-12
= -33
Teacher’s Activities
Questions.
6 -7
2. Evaluate 0 3 2
1 7 8
0 5 4
CONCLUSION:- The teacher summarizes the lesson by saying that the determinant of the matrix A
denoted as dot A
(i) 4 2 5 3 1 0 3 5 -4
/A/ = 3 6 7 (ii) B= -6 2 1 C= 6 -3 -5
8 1 9 -1 -1 2 -2 2 1
DATE: 13 / 10 / 22
DURATION: 80 Minutes
SUBJECT: -Mathematics
SPECIFIC OBJECTIVES: At the end of the lesson, the students should be able to (i) Find the
determinant of algebraic expression (ii) Obtain the transpose of a given matrix (iii) Find the reverse
of a given (iv) Identify whether a matrix hs an inverse or not
LESSON PRESENTATION
MODE:- Individually
Teacher’s Activities
The teacher asks the following question using the matrix below.
1 -1 -1
Given that P = 5 4 -2
5 6 -8
(i) Change the first row to 1st column, second row to second column and third row to third column
(ii) Study the new matrix formed.
Students’ Activities:- The students responds to the questions given above
Step II:- EXPLORATION
Mode:- Individually
Teachers Activities:- The teacher also guides the students in identify the leading diagonal of 2 by 2
and asks the students to carry out the following instructions.
Given that A = 2 -1
3 -1
(iv) 2 by 2 matrix A is also refer to as square matrix and it is said to have an in verse if there exists a
matrix B such that AB =BA =I where I is the identify matrix 1 0. It is usually denoted by A
0 1
It is usually denoted by A-1 . It should be noted that B is the inverse of A if and only if A is the
inverse of B.
EXAMPLE 1
Find the transpose of the following matrices.
1 3 1 4 1 2
M= 4 3 (ii) N= 2 3 5 7
6 7 6 5 3 1
SOLUTION
1 4 6 1 2 6
T T
M = 3 3 7 and N =4 3 5
1 5 3
2 7 1
P = 2 1
3 -1
SOLUTION
/P/ = -2 -3 = -5
⁄ ⁄
P-1 ( ) ( )
⁄ ⁄
Alternative Method
Let B ( )be the inverse of A.
By definition ( )( ) ( )
( ) ( )
Equating corresponding entries on both sides
Solving we have : a= ; b= : c= d=
Step V : EVALUATION
Mode : Individual
Teacher’s Activities: The teacher asks the following questions:
Find the value of for which | |
(b) giving a matrix M= ( ) . obtain the transpose of matrix M , hence find the inverse of
matrix M ?
Students’ Activities: Students response to the questions given above.
CONCLUSION : The teacher summarizes the salient points
ASSIGNMENT : The teacher gives the following as take home assignments:
[ ]
3. Solve for K if
[ ]
DATE: 17 /10 / 22
DURATION: 80 minutes
SUBJECT: -Mathematics
SPECIFIC OBJECTIVES: At the end of the lesson, the students should be able to
iii. Find the 2x2 determinant of the matrices formed from the equations
LESSON PRESENTATION:
Mode: Individual
Teacher’s Activities: The teacher asks students to identify the correct pairs of simultaneous linear
equations: (i) (ii) (iii)
Mode : Group
Teacher’s Activity : The teacher guides the students how the following simultaneous linear equations
can be written in matrix form :
(i) ii (i)
( i) ( )( ) ( ) ( ii) ) ( )( ) ( )
Students’ Activity : Ask students to express the simultaneous linear equations in matrix form
Teacher’s Role : The teacher guides students to express in matrix form as written
below: ( )( ) ( ).
The teacher explains that the equations can be expressed in determinant form if are obtained
by elimination as shown below
,
| | | | | |
Hence and x
STEP IV : APPLICATION
Teacher’s Role : The teacher guides students to solve the following simultaneous linear equations:
Example 1 : Solve the following simultaneous linear equations using determinant method
Solution
( )( ) ( )
| | = 9 – 8 = 1, | | , | |
and
Example 2: Solve the following simultaneous linear equations using determinant method :
Solution
( )( ) ( )
| | =1 , | | , | | =1
and
Students’ Role : The students engages with the solution given above.
STEP V : EVALUATION
Teacher’s Role : The teacher asks the students carry out the following tasks :
Students’ Role: The students engaged in solving the above questions while the teacher goes round
and mark.
ASSIGNMENT : Solve the following simultaneous linear equations using determinant method :
ii iii
SUBJECT: -Mathematics
SPECIFIC OBJECTIVES: At the end of the lesson, the students should be able to
iii. Find the 3x3 determinant of the matrices formed from the equations
LESSON PRESENTATION:
Mode: Individual
Mode : Group
Teacher’s Activity : The teacher guides the students how the following simultaneous linear equations
can be written in matrix form :
( )( ) ( )
below: ( )( ) ( ).
The teacher explains that the equations can be expressed in determinant form if are obtained
by elimination as shown below
,
| | | | | |
STEP IV APPLICATION
Teacher’s Role : The teacher guides students to solve the following simultaneous linear equations:
Example 1 : Solve the following simultaneous linear equations using determinant method
Solution
( )( ) ( )
The equations can be expressed in determinant form if x and y are obtained by elimination method as
shown below:
| |= | | –( )| | ( )| |
( ) ( ) ( )
| |= | | | | | |
| |= | |-1| | | |
Hence and
STEP V : EVALUATION
Teacher’s Role : The teacher asks the students carry out the following tasks :
Students’ Role: The students engaged in solving the above questions while the teacher goes round
and mark.
ASSIGNMENT : Solve the following simultaneous linear equations using determinant method :
ii iii
DATE:
CLASS:
TIME:
PERIOD:
DURATION:
SUBJECT: -Mathematics
MODE:- Individually
TEACHER’S ACTIVITIES: The teacher asks the following questions
(i) State the simple interest formula, having a fixed rate of the initial principal
STUDENTS ACTIVITIES. The students responds to the questions given above
STEP II: EXPLORATION
MODE: Individually
TEACHER’S ACTIVITIES: The teacher asks the students to use the formula stated above to find
the simple interest N3000 for 1 year at a rate of 5%
STUDENTS’ ACTIVITIES: The students responds to the questions given above
STEP III: DISCUSSION
MODE: Entire class
TEACHER’S ACTIVITIES: The teacher explains that one source of wealth creation is by
investment, investment involved committing one resources into productive ventures with an
expectation of good return or interest. Interest could be deterministic by the attachment of rate.
There are several kinds of deterministic interest namely. Simple interest, compound interest reducing
balance interest etc.
(ii) Compound interest is an amount charged by a lender on the principal and the accumulated
interest over a period of time based on a specified rate.
NOTE: Simple interest is base only on initial principal while compound interest is interest of
principal and interest.
A= P (1+ )n
The equation above calculates the amount realized at the end of the investment period.
Where A= Amount
P=Principal
R=rate a percentage
n= period for the investment
So compound interest is
C.I = Amount – initial principal
i.e. C.I = A - P
= P (1+r%)n –p
[( ) ]
Example 1:-
Calculate the simple interest in N3000 for 1 year at a rate of 5%
Solution
S.I = PR%T
=3006x0.05x1
S.I=N150.00
Example 2
A man invested N20,000 at 2% per annum for 3 years. Calculate his compound interest after 3 years
using
(1) Analytical method
(ii) Formula method
S.I =PR% T
P=N20,000, R= 2/100 = 0.02, T =1 year
interest = 20,000x0.002x1
=N400.00
using formula
Compound interest ( ) [( ) ]
[( ) ]
[( ) ]
[( ]
C.I = 2000( 0 .061208)
C.I =N1224.16
STEP V: EVALUATION
MODE:- Whole class
TEACHERS ACTIVITIES:- The teacher asks the following questions
(1) List 3 kind of deterministic interest
(ii) State the formula for calculating
ASSIGNMENT:- A man invested N20,000 at 2% per annum for 3years.Calculate his compound
interest after 3years,using both methods.
REFERENCE MATERIALS:
(i) New general mathematics for senior secondary schools book 3
(ii) New concept mathematics for senior secondary schools book 3.
THEME:
DATE:
CLASS:
TIME:
PERIOD:
DURATION:
SUBJECT: -Mathematics
SPECIFIC OBJECTIVES: At the end of the lesson, the students should be able to (i) State the
formula for calculating the amount when the interest is compounded annually (ii) State the formula
of calculating the amount when the interest is compounded more than the time in a year (iii) Find the
amount realized in the given periods
Instructional Resources :- Chart showing formula for calculating amount and principal and
compound interest
LESSON PRESENTATION
MODE:- Individually
Teacher’s Activities: The teacher asks the following questions (i)State the simple interest formula.
Having a fixed rate of the initial principal
Students activities. The students responds to the questions given above
Step II: Exploration
Mode: Individually
Teacher’s activities : The teacher asks the students to use the formula stated above to find the
simple interest N3000 for 1 year at a rate of 5%
Students activities : The students responds to the questions given above
Step III: DISCUSSION
Mode: Entire class
Teacher’s activities : The teacher explains that compound interest is an amount changed by a
lender on the principal and the accumulated interest over a period of time based on a specified rate.
The simple interest is based only on initial principal, compound interest is interest of principal and
interest.
This mean, compound interest calculates interest of interest. Consider the investment of the amount P
at r % per annum interest rate for n years. We need to understand that P = initial principal,
R = interest rate annum and n= period for the investment.
Example 2
A man saved N1000. Calculate the amount if the interest rate is 4.2% compounded quarterly using
analytical method (a) Formula method
Solution
Interest earned in the 1 quarters.
I= PTR%
P=N1000, R=4.2%=0.042 T=1/4 = 0.25
J=1000x0.042x0.25
=N10.50
Step V: EVALUATION
Mode: Entire class
Teacher’s activities :The teacher asks the following questions
(i) State the formula for calculating the amount when interest is compounded (a)annually
(b) More than one time in a year
(ii) Calculate the compound interest if N600 is invested in an account that earn 8% compounded semi
annually, after three years.
DATE:
CLASS:
TIME:
PERIOD:
DURATION:
SUBJECT: -Mathematics
SPECIFIC OBJECTIVES: At the end of the lesson, the students should be able to (i) State the
formula for calculating the amount if the interest rate is compounded yearly (ii) and when
compounded more than one time in a year (iii) Find the amount using the formula stated above
LESSON PRESENTATION
Teacher activities: The teacher wrote the following question in the bought for the answer all
1. State the formula for obtaining the amount when the interest rate is compounded
2. A man invested N40,000 a 4% per annum for 3 years. Calculate (i) the amount (ii)compound
interest using the formula method
Students activities:- The students respond to the question given as test for them
CONCLUSION: The teacher moves round the class to supervise the students and expects the
students to answer the students within 25 minutes after. Which he asked the students to summit their
scripts.
DATE:
CLASS:
TIME:
PERIOD:
DURATION:
SUBJECT: -Mathematics
SPECIFIC OBJECTIVES: At the end of the lesson, the students should be able to (i) Complete
the amount when the interest is compounded more than one time a yearly (ii) Define depreciation
(iii) State the formula of calculating depreciation when single rate is given (iv) Use the formula to
compute what depreciation value will be at a given rate per annum.
LESSON: PRESENTATION
MODE:- Individually
Teacher’s Activities: The teacher asks the following question (i) State the formula for calculating
(a) The amount of interest is compounded yearly. (b) The amount of interest is compounded more
than 1 yearly. (c) the compound interest
Students activities. The students responds to the question given above
Step II: Exploration
Mode: Individually
Teacher’s activities : The teacher write the following formula on the board and then asks the
following question given the investment of the amount P at r % per annum interest rate for a years.
The interest compounding yearly for a year is calculated using the formula
[( ) ]
(i) Using the concept of binomial conjugate write the conjugate pair of the value inside the bracket i.e.
1+r%
(ii) Replace the amount ‘A’ with depreciation write the formula derived.
Students activities :The students responds to the illustrations given above
Step III: DISCUSSION
Mode: Entire class
Teacher’s activities : The teacher explains that the formula for amount is given as A= P (1+r%)n
the formula above is usable when the interest is compounded annually, the following formal is
used when compounded more than one time in a year. Amount = P (1+r/T)nt
Where n = period of investment in years, t= numbers of compounded periods per year.
The teachers defines depreciation as a method of spreading the cost of a fixed asset. Depreciation is
computed as a percentage (rate) over the original value. This implies that the asset has the tendency
of wearing out or reducing in value after a certain period of time. The life time or useful life of an
asset is fixed depending in the organization. After this assumed useful life, it does not necessarily
mean that the asset is obsolete. If it has market value, it is called SALVAGE VALUE or SCRAP
VALUE
There different methods for calculating the depreciation namely: (i) Straight line method ( ii)
Reducing Balance method (iii) Sum of the year Digits (iv) formula method.
We shall consider the formula methods.
Formula Method.
The method is a reverse compound interest. A fixed rate per annum is used on the original value of
the asset in the first year and in subsequent years on the depreciated value accordingly.
This formula is obtained as follows:
Dn =P(1- r%)n
Where D=Depreciated value
P=Original value (Principal
R=rate of depreciation per annum
N=Useful life in years.
NOTE:- When different percentage (rate) is given for each year depreciation the depreciation is
computed base on the percentage given.
EXAMPLES
A motor cycle is bought for N90,000. After 5 years, what will be its depreciated value at 20% per
annum.
SOLUTION
Dn= P (1-r%)n
N=5, P=N90,000 r=20/100 = 0.2
D5=90,000 (1-0.2)5
= 90,000 (0.8)5
=N29,491.21
Students’ activities: The students participates while solving the above examples..
Step v: EVALUATION
Mode: Entire class
Teacher’s Activities : The teacher evaluate the lesson by giving the following questions below:
(i) Compute the formula for calculating the amount when interest is compounded more than one time
yearly
(ii)What do understand by the term” Depreciation”
(iii) State the formula for calculating the depreciated value for n year at r%
CONCLUSION: The teacher summarizes the salient points.
ASSIGNMENT:- The teacher gives the following assignment page 36 EX 40 . No 7,8
DATE:
CLASS:
TIME:
PERIOD:
DURATION:
SUBJECT: -Mathematics
SPECIFIC OBJECTIVES: At the end of the lesson, the students should be able to (i) Compute
yearly Depreciation (ii) State the depreciation computed as a percentage of the original value
INSTRUCTIONAL RESOURCES: Chart showing formula for calculating the future value of
anointing
LESSON: PRESENTATION
MODE:- Individually
Teacher’s Activities
The teacher asks the following question (i) A television set was purchased at =N3,750.50. Its value
depreciates by 10% each year. Calculate the current price after 3 years
If an annuity had definite beginning and terminal dates its is called annuity certain i.e. periodic
payment plan or a monthly saving program?
If the payment is made at beginning of each time interval it is called annuity due i.e rent or insurance
premiums. When the payment is made at the end of each time interval, it is called an ordinary annuity
i.e. periodic payment of housing loam.
In order to compute annuity of a given problem knowledge of simple interest, compound interest,
future value and present value are required.
( )
[ ]
( ⁄)
* +
⁄
EXAMPLE 1
Find the future value of N5000 deposited at 12%, Compounded annually for 5 years.
Solution
( )
[ ]
A = 5000 ( 1 +0.12 ) 5 -1
0.12
=5000 ( 1 .12 ) 5 -1
0.12
=5000 (1.76234168-1)
0.12
=5000 (0.76234168-1)
0.12
=5000 (6.35284735)
A=N31764.24
EXAMPLE 2
= 12000 P ( 1 +0.02 ) 12 -1
0.12
=12000 (1.26841795-1)
0.02
=12000 (0.26841795-1)
0.02
=12000 (13.41208943-1)
A = N160,945.08
Example 3: A car cost N2,760,000:00.Its value depreciated by 15%, 12.5%and 10% respectively .Find
its value after 3 years.
Solution
1st year depreciated value = N414,000:00
st
Value of the car at the end of 1 year= N(2760 000:00 )
=N2,346,000:00
Step V: EVALUATION
Mode: Individually
Teacher’s activities : The teacher evaluates the lesson by asking the following questions.
i) what do you understand by the term” future value of annuity”
ii) State the formula for calculating the future value of annuity compounded
(a) Annually
(b) More than one time in a year
DATE:
CLASS:
TIME:
PERIOD:
DURATION:
SUBJECT: -Mathematics
SPECIFIC OBJECTIVES: At the end of the lesson, the students should be able to (i) Explain
the future value of annuity (ii) State the formula for calculating future value of annuity
compounded annuity (iii) ) State the formula for calculating future value of annuity compounded
more than one time in a year (iv) Use the formula to find the annuity in a given year.
INSTRUCTIONAL RESOURCES: Chart showing formula for calculating the future value of
anointing and present value of annuity.
LESSON: PRESENTATION
MODE:- Individually
Teacher’s Activities : The teacher asks the following question (i) State the formula for calculating
the sum of geometric progression of a given series with first term (a) common ratio r and number of
term.
Students’ activities. The students responds to the question given above
Step II: Exploration
Mode: Individually
Teacher’s activities : The teacher explored the students further by asking the following
If r is greater than 1 replace the common ratio with r + 1, then substitute the value of r +1 the formula
for calculating the sum of a Cap when r > 1.
In = a (rn -1)
r-1
Students activities: the students responds to the question given above. The teacher expects the
students to carry out the instructions without any difficulties.
Thus:
( )
[ ]
When compounded more than one time in a year, the future value of annuity is given
( ⁄)
[ ]
⁄
SOLUTION
( ⁄)
* +
⁄
p =12000 n =3 r = 0.08, t=4
= 12000 P ( 1 +0.02 ) 12 -1
0.12
=12000 (1.26841795-1)
0.02
=12000 (0.26841795-1)
0.02
=12000 (13.41208943-1)
A = N160,945.08
Step V: EVALUATION
Mode: Individually
Teacher’s activities :The teacher evaluates the lesson by asking the following questions.
EXAMPLE 1
Find the future value of N50000 deposited at 12% Compounded annually for 5 years?
SOLUTION
( )
* +
( )
* +
A = 50000 ( 1 .12 ) 5 -1
0.12
A= 50000 (1.76234168-1)
0.12
A=50000 (6.35284735)
A=N317642.37
Step V: EVALUATION
Mode: Individually
Teacher’s activities
The teacher evaluates the lesson by asking the following questions randomly
i) what do you understand by the term” future value of annuity”
ii) State the formula for calculating the future value of annuity compounded
(a) Annually
(b) More than one time in a year
DATE:
CLASS:
TIME:
PERIOD:
DURATION:
SUBJECT: -Mathematics
SPECIFIC OBJECTIVES: At the end of the lesson, the students should be able to (i) Define
present value of annuity (ii) State the formula for calculating present of annuity (iii) ) Define
amortization (iv) State the formula for calculating amortization
LESSON: PRESENTATION
MODE:- Individually
Teacher’s Activities : The teacher asks the students to state the formula for calculating the sum
system of a G.P when the common ratio is less than 1.
Sn = a (1-rn)
1-r
Students activities: The teacher responds to the question. Given above. The teacher expects the
students to carry out the instruction. Without any difficulties.
) )
Thus: * + and * +
Where = Present value of annuity
P=Periodic payment
N=number of year
R=Percentage rate
T = Number of times interest is compounded per year
If future value of annuity, is given, the present value of annuity can be obtained.
= (1+r) - n
Amortization
The process of paying off a debt systematically by making partial payments ( instalment payments)
until the debt ( Principal) and the interest are repaid is known as amortization.
If the loan is paid off in regular equal instalments, then the present value of annuity Ap is use to find
the periodic payment P by algebraically
)
* +
)
r * +
Hence [ ]
( )
:
⁄
[ ( ⁄) ]
Step IV: APPLICATION
Mode: Entire class
Teacher’s activities :The teacher leads the class by giving the following examples
In 1985, the average price of a new home in Abuja was N112,000, and the interest rate was 11%. If
this amount is finance 40 years at 11% interest, what is monthly payment ?
SOLUTION
⁄
[ ( ⁄) ]
⁄ = 0.11/12 = 0.00916666 t =12, , n=40
P= 0.0091666667x112000
1-(1+0.009166666) -40 x 12
= 1026.666667
1-0.01252591
P= 1026.666667
0.98747083
P= 1039.6897
P= 1039.69
Step V: EVALUATION
Mode: Individually
Teacher’s activities : The teacher evaluates the lesson by asking the following
(i) State the formula for calculating the present value of annuity
ii) State the formula for calculating the periodic payment
(iii) State the formula for calculating the present value of annuity of the future value giving
ASSIGNMENT: Determine the monthly car payment necessary to repay a N450,000 automobile loan
if the interest is computed at 12% par year compounded monthly assume the period of the loan is 4
years.
REFFERENCE :- Business Mathematics and statistics by Ashford colour press Gosparl Hampshire
THEME:
DATE:
CLASS:
TIME:
PERIOD:
DURATION:
SUBJECT: -Mathematics
SPECIFIC OBJECTIVES: At the end of the lesson, the students should be able to (i) Identified
my spherical object (ii) Relate circular object with formation of sphere (iii) ) State the formula
for surface area of a sphere (iv) State the formula carried surface area of hemisphere
LESSON: PRESENTATION
MODE:- Group
Teacher’s Activities : The teacher shows students the spheres and asks the students to cut out
circular paper with the some radius as the sphere.
(ii) The teacher asks the students to use the cut out papers and wrap up the sphere.
Teacher’s activities : The teacher leads the students to discover that four of the cat out papers will
wrap up the sphere. The teacher also ask the students to carry the following activities.
(i) Fill the cylinder with water and turn it into the lone and sphere such that the height of the cylinder
is equal to the height of the cone and the diameter of the sphere
The teacher now ratify the students discover that of the cat out papers will wrap up the sphere teacher
also ask the students, to carry the following activities:
(i) Fill the cylinder with water and turn it into the lone and sphere such that the height of the cylinder
is equal to the height of the lone and the diameter of the sphere
The teacher now ratify the students discuss the cut out papers will wrap up the SP
than the area of a sphere = 4IIr2
But h=2r
Step iv : APPLICATION
Mode: Entire Class
Teacher’s: Activities :The teacher gives the following example
EXAMPLE
Find the surface area of a sphere of diameter 10 cm (take II 22/7)
SOLUTION
Surface area =
=10/12=5
surface area= 4x22 x5x5
7
= 2200
7
S.A = 314.25
Step v : APPLICATION
Mode: Entire Class
Tecther’s: Activities
THEME:
DATE:
CLASS:
TIME:
PERIOD:
DURATION:
SUBJECT: -Mathematics
INSTRUCTIONAL RESOURCES:- Chart following the general form ofr quadratic equation
Step I: Presentation: Identification of the students prior idea
TEACHERS ACTIVITIES: Asks the students some question based on their entry behaviours as
following.
A quadratic Equation is an equation of form ax2 +Bx+C=0 where a, b and c are not equal to zero (0)
=x2+112-25x-275=0
=x(x+11)-25 (x+11)=0
=(x-25) =0 or (x+11)=0
=x=25 or -11
STUDENT’S ACTIVITIES: Asks the students to solve the b part of the above problem
STEP V: EVALUATION
If 13 times a number is subtracted from the sphere of the number is subtracted from the sphere of the
number, the result is 30 find the number.
THEME:
DATE:
CLASS:
TIME:
PERIOD:
DURATION:
SUBJECT: -Mathematics
TEACHERS ACTIVITIES: The teacher asks the students some question based on their entry
behaviours as following.
2x+3y=14----(2)
= y=14-12=y=2
X=6-2 = x=4
7x-3y=1 ------(2)
21x-9y=3 ----4
23y =46
=y=2
STUDENTS ACTIVITIES: Asks students to find the corresponding value of x from the above
problem.
A=2m---5 ------(ii)
3 (2m-5) +4m=0
=6m-15+4m=0
STEP V: EVALUATION
THEME:
DATE:
CLASS:
TIME:
PERIOD:
DURATION:
SUBJECT: -Mathematics
UNIT TOPIC:
LESSON TOPIC:
TEACHERS ACTIVITIES: Asks the students some questions based on their entry behaviours as
follows solve the equations (i) 3x-15=x+1 (ii) 2 (5y-1) =0
TEACHERS ACTIVITIES: Guide the students to identify the general form of linear equation as
follows . A linear equation is an equation of the form
In a school management committee, men contribute Nx each and women Ny each to the maintenance
find. At the meeting, 8 men and 10 women gave a total of N7,000. At another meety, 12 men and 4
women gave a total of N7,200. Find the value of x and y.
Solution:
8x +10y=7000 --- (i)
8x + 10 (1800=3x) =7,000
=8x+18000x -30x=7,000
=-22x= - 11,000
= x =500
Given the above rectangle with its dimensions in centimetres. Find (a) The values of x and y
1+y -3y = -5
-2y=-6 y =3
STUDENT’S ACTIVITIES: The students to find the corresponding value of x and the dimensions of
the rectangle
STEP V: EVALUATION
Consider the triangle below with the lengths of its sides given in terms of x and y find the values of x
and y.
= -5x=-15 = x=3
ASSIGNMENTT: The perimeter of a rectangular form is 10km its length is 11/2 times it:
breadth find the length and breadth of the form
REFERENCES: New General Mathematics for Senior Secondary Schools book three (3)
2. New concept mathematics for Senior Secondary Schools Book three (3)
THEME:
DATE:
CLASS:
TIME:
PERIOD:
DURATION:
SUBJECT: -Mathematics
(ii) Identify the formula for calculating the volume and surface area of a sphere
iii) Calculate the volume and surface area of a sphere using the formula
TEACHERS ACTIVITIES: The teacher asks the students some questions based on their entry
behaviours as follows: (i) Mention two objective that has round shape
A sphere is a perfectly round shape form of a ball, orange, tennis egg etc
STUDENTS ACTIVITIES: Ask the student to mention some spherical objects. the above
TEACHERS ACTIVITIES: Guide the students to identified the formula for calculating the volume
and surface area of a sphere as follows.
V = 2,140cm3
Surface are a = 4 ^ r2 = 4x3.142 x (8cm)2
Students Activities: Asks the students to calculate the volume and surface area or a sphere whose
radius is 10cm. (Take^ =3.142) and leaves their answers in 3 s.f.
Step V: Evaluation
A sphere has a volume of 1000cm3 (a) Calculate its radius correct to 3 s.f
Assignment:
A metal sphere 6cm in diameter 1/2cm. How many of the smaller balls will there be?
REFERENCE: New general mathematics for Senior Secondary Schools Book three (3)
THEME:
DATE:
CLASS:
TIME:
PERIOD:
DURATION:
SUBJECT: -Mathematics
(ii) Identify the formula for calculating the volume and surface area of a hemisphere
iii) Calculate the volume and surface area of a hemisphere using the formula
Step I: Presentation:
TEACHERS ACTIVITIES: Identification of the students prior ideas by asking them some
questions based on their entry behaviours (i) What is a sphere (ii) What is a hemisphere.
A hemisphere is a perfect half round shape such as half of a ball, orange, tennis and egg etc
TEACHERS ACTIVITIES: Leads the students to identify the formula for calculating the volume
and surface area of a hemisphere as follows.
=V =4/3 ^ r3 :- 2 = 2/3 ^ r3
Calculate (i) Curved surface (ii) Total surface and of a hemisphere whose diameter is 9cm, direct to
3 s.f ( ^ = 3.142)
Solution:
= 2x3.142 x (4.5)2
=2x3.142x20.25 =127.251=127cm2
=3x3.142x(4.5)2
=3x3.142 x 20.25=190.8765
=191cm2
Calculate the (i) curved surface area (ii) total surface area of a hemisphere whose radius is 2cm
correct to 3 s.f.
Assignment:
REFERENCE: (1) New general mathematics for Senior Secondary Schools Book three (3) (2) New
Concept Mathematics for Senior Secondary Schools Book three (3)
THEME:
DATE:
CLASS:
TIME:
PERIOD:
DURATION:
SUBJECT: -Mathematics
INSTRUCTIONNAL RESOURCES:- Chart showing him the longitude and line of latitude
Step I: Presentation:
TEACHERS ACTIVITIES: Ask the students some questions based on their entry behaviours as
follows (i) List the four cardinal point (ii) What is the shape of the earth
.
From the above, if the earth is cut by planes each or which passes through it polar axis. The circle
formed on the surface of the earth are called GREATCIRCLES or MERIDIANS and half of a
meridian which semi circle is called LONGITUDE (long).
However, if horizontal planes are cut through the earth and perpendicular to the polar axis, circles of
differences or the same diameter are formed on the surface of the earth. These circles are called
LATTITUDE (lat).
TEACHERS ACTIVITIES: guide the student on how to locate point on globe as follows.
Meridians are measured in degrees (east or west) varying from 180E to 180W while the latitude are
measured in degree north or south varying from 90N and 90S.
Students activities: ask the student to identify long(180E and 180w) and lat(90N and 90S).
TEACHERS ACTIVITIES: guide the student to state the latitude and longitude of the following on
the globe.
Solution: (a) P(70N, 40W) (b) Q(70N, 0) (c) R(70N,80E) (d) Y(30S,80E)
Students Activities: ask student to locate the following points ( i ) R(35S,20E) (ii) (0,100E) on a
globe.
STEP(iv) : evaluation.
TEACHERS ACTIVITIES: ask the student to state the latitude and longitude of the following point.
ASSIGNMENT: ask the student to locate the following point on the globe.
REFFERENCE: new general mathematics for senior secondary school book (3).
Assignment:
REFERENCE: (1) New general mathematics for Senior Secondary Schools Book three (3) (2) New
Concept Mathematics for Senior Secondary Schools Book three (3)
THEME:
DATE:
CLASS:
TIME:
PERIOD:
DURATION:
SUBJECT: -Mathematics
UNIT TOPIC:
LESSON TOPIC:
LESSON PRESENTATION :
TEACHERS ACTIVITIES: identification of student prior ideas by asking some question base on their
entry behaviours as follows.
0 0
I. Angles of longitude varies from ..360 E..... to 360 W ...........
0 0
II. Angles of latitude varies from 90 N........to 90 S..........
TEACHERS ACTIVITIES: guide the student identify the angular differences or angular sum of
longitude and latitude as follows.
Two places P and Q have the same longitude, their latitude are 15N and 36S.
Solution (A)
STUDENT ACTIVITIES: two places G and h on the equator, and have longitude of 92E and 57E.
Draw a diagram to locate these places.
Two places X and Y lies on the equator and have longitude of 92E and 57E.
(A) draw a diagram to locate these places.
ASSIGNMENT: The position of Abuja (Nigeria) and prom (Germany). to the nearest degree area:
(9N,7E) and (57N, 7E) respectively . use R = 6,400km to calculate their distance apart to 2.s.f.
THEME: geometry.
DATE:
CLASS:
TIME:
PERIOD:
DURATION:
UNIT TOPIC:
LESSON TOPIC:
Step I: PRESENTATION
TEACHERS ACTIVITIES: Identification of the students prior ideas by asking them some
questions based on their entry behaviours as follows .
A hemisphere is a perfect half round shape such as half of a ball, orange, tennis and egg etc
Parallels of latitudes are circles that runs from the equators to north or south poles and are measured
90N or 90S with radius less than radius of the earth (equator).
= distance along small circle is given by the formula O/360x2!RcosO (where alpha is the angle of the
latitude ).
STEPIV: application.
STUDENT ACTIVITIES: as the student to state the formula for calculating the distance along
parallel of latitude.
STEP V: EVELUATION
Two places on the parallel of latitude 77N their longitude are 154E and 142W find their distance apart
measured along the parallel of latitude .
ASSIGNMENT: find the distance between Bila (9N, 6.0E) and Adis ababa (9N,38.8E)
DATE:
CLASS:
TIME:
PERIOD:
DURATION:
UNIT TOPIC:
LESSON TOPIC:
Step I: Presentation:
TEACHERS ACTIVITIES identification of the student prior ideas by asking them some question
base on their entry behaviour as follows
ii) state the formula for calculating the length of the parallel of latitude .
A sphere is a perfectly round shape form of a ball, orange, tennis egg etc
STUDENTS ACTIVITIES: Ask the student to mention some spherical objects. the above
Students activities: ask the student to state for calculating the distance along parallel of latitude.
The latitude and longitude of a point P are 50N, 32W and of another point are 50N , 48E. Calculate to
the nearest 100km.
Solution:
Teachers Activities: leads the student to find the speed due to the rotation of the earth in km/h of the
point P assuming that the earth make a complete rotation in 24 hours .
P is due north of Q and the distance PQ along the surface the surface of the earth is 1120km.
Assignment: an aeroplane leave the point x(43N,71W) and flies due east at 500km/h after 3 hours
REFERENCE: New general mathematics for Senior Secondary Schools Book three (3)