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Summarised Maths Notes (Neilab Osman)
Summarised Maths Notes (Neilab Osman)
Flat-rate Loans
I = P rn
A=P +I
I − I nterest to be paid f or borrowing the moneyP − P rincipal is the intial amount of money borrowedr − Rate of simple inter
Loan Repayments
A loan repayment is the amount of money to be paid at regular intervals over the time period. The interval is often
fortnightly or monthly.
F V = P V (1 + r)2
PV = FV
(1+r)n
I = FV − PV
F V − F uture value of the loan or amount (f inal balance) P V − P resent value of the loan or principal (initial quantity of mo
Comparing Loans
Comparing loans and making the best choice is not simply about choosing a loan with the lowest interest rate.
Borrowers also need to consider the following factors:
● Flexibility – ability to redraw money and make extra repayments. This allows the loan to meet changing
needs without incurring extra costs, for example, if you get a higher paying job and want to increase the
amount of your repayments.
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● Comparison rate – interest rate on the loan that includes the interest and any fees or charges. It takes into
account the amount of the loan, the term of the loan and the number of repayments. Comparison rates
calculators are available on the internet to compare loans.
E = (1 + r)n − 1
E − ef f ective rate of interest per annum as a decimalr − Rate of interest per compounding period, expressed as a decimaln −
Credit Cards
● Credit cards are used to buy goods and services and pay for them later
● The time when interest is not charged on your purchases is called the interest-free period
● If payment is not received when the statement is due then interest is charged from the date of purchase.
● Interest on credit cards is usually calculated daily on the outstanding balance using compound interest.
A = P (1 + r)n
I =A−P
A − Amount owimg on the credit cardP − P rincipal is the purchases made on the crdit card plus the outstanding balancer − R
Credit card statements are issued each month and contain information such as account number, opening balance,
new charges, payments, refunds, reward points, payment due data, minimum payment and closing balance.
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Chapter 2- Further Applications of Area and Volume
An annulus is the area between a large and a small circle with the same centre
A sector is part of a circle
A quadrant is a quarter of a circle
A semicircle is half a circle
A composite shape is made up of two or more plane shapes. The area of a composite shape is calculated by adding
or subtracting the areas of each plane shape.
Simpson’s Rule
Simpson’s rule is used to estimate the area of a shape with an irregular boundary such as a lake
A = 3h (df + 4dm + d1 )
A − Area of shapeh − H eight or width of equal partsdf − Distance of f irst line?dm − distance of middle linedl − Distance of la
● To find the surface area of a prism it is often useful to draw the net of the solid to ensure that all the sides
have been added
● A net is a plane figure that shows all the surfaces of a solid.
● When a net is folded it forms the solid.
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● The surface area (SA) of a solid is the sum of the area of each surface or polygon of the solid.
A pyramid fits exactly inside a prism and occupies one third of the volume of the prism. Likewise, the volume of a
cone is one third the volume of a cylinder
Volume of Composite Solids
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Chapter 3- Further Algebraic Skills and Techniques
Algebraic fractions
Index laws
am x an = am+n
am ÷ an = am−n
m n
a( ) = amn
a0 = 1
Equations
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Changing the subject of the formula
Use the order of operations to move pronumerals and numbers around, so that the unknown is on the left side of the equal sign
Simultaneous equations
Elimination
1. Make sure that the two coefficients of one pronumeral are the same. This may require multiplying or dividing one or
both equations by a number
2. Eliminate one pronumeral by adding or subtracting the two equations
3. Solve this new equation to find the value of one pronumeral
4. Substitute this value into one of the equations to find the value of the second pronumeral
Substitution
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Chapter 4- Interpreting Sets of Data
A frequency histogram is graph of a frequency table in which equal intervals or scores are marked in the horizontal axis, and the
related frequencies are indicated by vertical rectangles
A frequency polygon is a line graph of the frequency table and be constructed by joining the midpoints of the tops of the
rectangles in a frequency histogram
Cumulative frequency
Cumulative frequency is the frequency of the score plus the frequency of all the previous scores
A cumulative frequency column is often inserted next to the frequency column in a frequency table
A cumulative frequency histogram is constructed using equal intervals of the scores (or classes) on the horizontal axis and the
associated cumulative frequencies indicated by vertical rectangles
A cumulative frequency polygon or ogive is a line graph constructed by joining the top right-hand corner of the rectangles in a
cumulative frequency histogram
Measures of location
Mean
It is calculated by summing all the scores and dividing by the number of scores
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sum of scores
mean = number of scores
Mode
● The mode is useful for categorical data that do not allow numerical calculations
● Modes may occur at the beginning or end of a range of values; therefore, conclusions based only on the mode may be
inaccurate
● It is common for data to have several modes
Median
Measures of spread
Range
Interquartile range
The difference between the 3rd quartile and the 1st quartile
I QR = Q3 − Q1
Standard deviation
The standard deviation is the measure of the spread about the mean
1. Shift
2. 2
3. 1
4. Type in all scores
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5. AC
6. Shift
7. 1
8. 4
9. 3
1. Shift
2. 2
3. 1
4. Type in all scores
5. AC
6. Shift
7. 1
8. 4
9. 4
Outliers
● Outliers are more than 1.5 interquartile ranges about the third quartile, or below the first quartile
● They have little effect on the mean, mode and median for large sets of data
● In smaller sets of data, the presence of an outlier will have a large effect on the mean, a smaller effect on the median
and usually no effect on the mode
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Judgements about data
● A stem-and-leaf plot or stem plot is used to present a small (fewer than 50 values) numerical data set
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● The tens digit of the data value becomes the ‘stem’ and is written in numerical order down the page
● The units’ digit becomes the ‘leaf’ and are written in numerical order across the page
● A stem-and-leaf plot can also be used to show two sets of similar data together
● A box-and-whisker plot or box plot is a graph that uses five important statistics:
o lower extreme (or lowest value)
o lower quartile (or first quartile)
o median
o upper quartile (or third quartile
o higher extreme (or highest value)
o These statistics are referred to as a five-number summary.
o A box-and-whisker plot is constructed from a scale of data values
o The box is between the two quartiles with a dividing line for the median and the whiskers are drawn to the two
extremes.
Radar charts
A radar chart (or spider chart) is used to compare the performance of one or more entities
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Area charts
1. Choose an appropriate scale for the data. Vertical scale will be the sum of the data
2. Draw line segments for the first data over the period of time
3. Draw segments for the second data over the period of time (is drawn on top of the previous data)
4. Shade the areas using different colours. Create a legend
Measures of location
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- Suitable for categorical
data
Measures of spread
Two-way tables
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Diagnostic test
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Chapter 5- Applications of trigonometry
Right-angled trigonometry
Compass bearings
True bearings
- A true bearing is the angle measured clockwise from north around the required direction
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Trigonometry with obtuse angles
a b c
To find a side: sinA
= sinB
= sinC
Area of a triangle
A = 12 bcsinA
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The cosine rule
a2 = b2 + c2 − 2bccosA
b2 +c2 −a2
cosA = 2bc
Offset survey
Example:
Radial survey
- Radial survey involves measuring the angles and sides taken from a central point
- There are two methods of conducting a radial survey:
o Plane-table radial survey
o Compass radial survey
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Conducting a radial survey:
1. Table and large sheet of paper are placed in the centre of a field
2. A line is drawn on the paper to reflect the line of sight to each corner (the radial line)
3. The distance from the plane table to each corner is measured
a) Plane-table radial survey
☼ Angle between each radial line is measured
b) Compass radial survey
☼ True bearing of each corner is measured with a compass
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Chapter 6- Multistage events and applications of probability
Multistage events
n(E)
P (E) = n(S)
Number of arrangements
Ordered selections
- An ordered selection or a permutation occurs when a selection is made from a group of items and the order is
important
- BA is different to AB
- E.g. Electing the captain and the vice-captain of the school
P ermutation nP r
r − items to be selected
Unordered selections
- Unordered selections or a combination occurs when a selection is made from a group of items and the order is not
important
- AB is the same as BA
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- E.g. selecting three students from a class of 20
C ombincation nC r
r = items to be selected
- The probability of two independent events occurring is equal to the product of the probability of each event
- To calculate the probability of two events occurring on a tree diagram, multiply the probabilities along each successive
branch
- The probability of one event or a second event is equal to the sum of the probabilities of each event
- To calculate the probability of one event or the second event on a tree diagram, add the probabilities for each event
- The probability of each event is obtained by multiplying the probabilities along each successive branch
P (A or B) = P (A) + P (B)
Expected outcomes
- The expected outcome is the number of times the outcome should occur. It may not equal the actual results
- The larger the number of trials the closer the expected outcome will be to the actual results
Expected value
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- Expected value indicates the expected outcome to be achieved in an event
- It is calculated by multiplying each outcome by its probability and then adding all these results together
Financial expectation
- Financial expectation is the expected value when the event involves money
- The financial outcome is positive if money will be won and negative if money will be lost
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Chapter 7- Annuities and loan repayments
- The present value of an annuity is the amount of money that, if invested now, would equal the future value of the
annuity
FV
PV = (1+r)
n
Loan repayments
- Reducing balance loans are calculated on the balance owing not on the initial amount of money borrowed as with a
flat-rate loan
- As payments are made, the balance owing is reduced and therefore the interest charged is reduced
- The calculations for reducing balance loans are complicated and financial institutions publish tables related to loans
- Banks and financial institutions charge their customers for borrowing money
- A loan account is created and an account service fee is charged per month
- In addition to this fee there are a number of other loan fees and charges, depending on the financial institution
- Many of these fees are negotiable and customers are advised to compare the fees and charges with the interest rate
charged
- Fees and charges for a loan may include:
o Loan application fee
☼ Costs in setting up the loan.
o Loan establishment fee
☼ Initial costs in processing the loan application
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o Account service fee
☼ Ongoing account-keeping fee
o Valuation fee
☼ Assessment of the market value of a property
o Legal fee
☼ Legal processing of a property
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Chapter 8- Normal distribution
Z-scores
x−x
z= s
z − standardised score
x − score
x − mean
Scores:
0 = equal to mean
1. Read the question carefully to determine whether a higher or lower z-score is better
2. The larger the z-score, the further away it is from the centre
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Chapter 9- Modelling linear relationships
Linear functions
1. Construct a table of values with the independent variable as the first row and the dependent variable as the second row
2. Draw a number plane with the independent variable on the horizontal axis and the dependent variable as the vertical
axis
3. Plot the points
4. Join the points to make a straight line
Gradient-intercept formula
y = mx + b
m − g radient
b − y intercept
rise
m= run
- Linear modelling occurs when a practical situation is described mathematically using a linear function
Intersecting graphs
- Two straight lines will always intersect unless they are parallel
- The point at which two straight lines intersect can be found by sketching the two graphs on the one set of axes and
reading off the coordinates of the point of intersection
- Finding the point of intersection is said to be ‘solving the equations simultaneously’
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Solving two linear equations:
- The break-even point is reached when costs or expenses and income are equal
- There is no profit or loss at the break-even point
I ncome = mx
C osts = mx + b
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Chapter 10- Spherical geometry
l= θ ×2πr
360
l − length of an arc
- Latitude measures the angular distance north and south of the equator
- Longitude measures the angular distance east and west of the Greenwich Meridian
- A great circle is a circle on the surface of the sphere with the same centre and circumference as the sphere
- The equator and the meridians of longitude are all great circles of Earth
- The radius of the great circles is the radius of Earth (approximately 6400 km)
θ
l= 360
×2πr
l − length of an arc
- The time of day is dependent on the rotation of Earth about the north–south axis
- 1° in longitude is equivalent to 4 minutes
- Places on Earth with the same longitude will have the same local time unless they are in different time zones
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To find the local time:
Time zones
- A time zone is a region of Earth that has a uniform standard time or local time
- Times zones have the same time irrespective of time differences
- There are 24 major time zones (from −12 to +12) roughly divided by longitude
- The time zone number indicates how many hours to add or subtract from the Greenwich Mean Time
o Positive time zone number- ahead of GMT
o Negative time zone number- behind GMT
- Australia has 3 time zones:
o Eastern standard time (+10)
o Central standard time (+9.5)
o Western Standard time (+8)
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Chapter 11- Samples and populations
Samples
- A population parameter is a measurable characteristic of a population, such as the mean or standard deviation
- Population mean is denoted by the symbol μ
- A sample statistic is a measurable characteristic of a sample, such as the mean or standard deviation
- Sample mean is denoted by the symbol x⃑
Random sampling
- A random sample occurs when items of the population have an equal chance of being selected
- Random samples are simple and easy to use for small populations
- However, for large populations it is possible to miss a particular group
Quadratic functions
y = ax2 + c
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Cubic function
y = ax3 + c
Exponential function
y = bax
Hyperbolic function
y= a
x
Direct variation
y = kx
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Inverse variation
y= k
x
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Chapter 13- Mathematics and Health
Body measurements
- Even though there are significant variations in body measurements, there are certain rules relating to body proportions
- Body proportions change with age
- They are extremely important in art and medicine
Scatterplot
- The strength of a linear relationship is an indication of how closely the points in the scatterplot fit a straight line
- If the points in the scatterplot lie exactly on a straight line, we say there is a perfect linear relationship
- If there is no fit at all we say there is no relationship
- To measure the strength of a linear relationship we use a correlation coefficient (r), which has the following properties:
- If there is a less than perfect linear relationship, then the correlation coefficient r has a value between -1 and +1.
- Correlation coefficient (r) measures the strength of a linear relationship (− 1≤r≥1)
o Positive correlation (0-1) – both quantities increase or decrease at the same time
o Zero or no correlation (0) – no relationship between the quantities
o Negative correlation (-1-0) – one quantity increases while the other decreases
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- The strength of a linear relationship is also described as high or low.
- A high positive linear relationship has a correlation coefficient between 0.5 and 1
- A high negative linear relationship has a correlation coefficient between -0.5 and -1
- High correlation between two variables is not sufficient enough to imply causation
Calculator:
1. Mode
2. 2
3. 2
4. Enter data
5. AC
6. Shift
7. 1
8. 5
9. 3
Equation of a line:
y = mx + b
Gradient
s
m = r sxy
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r − correlation coef f icient
sy − standard deviation of y
sx − standard deviation of x
Y intercept
b = y − mx
y − mean of y
x − mean of x
Medication
Life expectancy
Life expectancy is the number of years that a person of a particular age can expect to life
Calculator:
1. Mode
2. 2
3. 2
4. Enter data
5. AC
6. Shift
7. 1
8. 5
9. A and B
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Chapter 14-Mathematics and Resources
Water availibility
Water usage
Calculating the perimeter, area and volume of dams, land and catchment areas provides valuable information about
water storage.
Perimeter
P = lenth on photograph×scale
Area
To estimate the area of land, divide it into square grids and count the number of squares.
To calculate the exact area of land, use the appropriate formula.
Volume
Simpson’s rule is used to estimate the volume of a solid with an irregular boundary such as a reservoir or dam.
V = 3h (Af + 4Am + Al )
V − V olume of solidh − H eight or width of the equal partsAf − Area of the f irst or lef t endAm − Area of middleAl − Area of l
Energy Consumption
Energy
Power
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Electrical Energy
Sustainability
- The BASIX (the Building Sustainability Index) is a scheme put in place to regulate the energy efficiency of residential
buildings.
- BASIX uses information such as site location, house size, building materials, water, thermal comfort and energy use
- Sustainable houses feature rainwater tanks, water-efficient shower heads, solar hot water, performance glazing and
energy-efficient lighting.
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