GRADE 10 SANTIAGO INTEGRATED NATIONAL HIGH

School Grade Level 11

DAILY LESSON SCHOOL
LOG GENERAL
Teacher KIMBERLYN A. GRANZO Learning Area
MATHEMATICS
November 14 –18, 2022
Monday and Wednesday
Teaching Dates and Time 10:50 AM – 1:20 PM | 1:40 PM – 2:00 PM Quarter SECOND
2:00 PM – 3:30 PM | 5:20 PM – 6:50 PM
Friday, 11:30 AM – 6:40 PM

Session 3
Session 1 Session 2
Friday, November
Monday, November 14, 2022 Wednesday, November 16, 2022
18, 2022
I. OBJECTIVES
1. Content The learner demonstrates understanding of key concepts of simple and compound interests, and simple and general
Standards annuities.
2. Performance The learner is able to investigate, analyze and solve problems involving simple and compound interests and simple and
Standards general annuities using appropriate business and financial instruments.
finds the future value and present value of both
a. illustrates and
simple annuities and general annuities.
distinguishes
M11GM-IIc-d-1
illustrates simple and general annuities. simple and general
a. identify the given facts and choose the
M11GM-IIc-1 and distinguishes between annuities;
proper formula to be used in computing for
simple and general annuities. M11GM-IIc-2 b. find the future
3. Learning the future and present value of simple and
a. represent annuities to real-life situations; value and present
Competencies/ general annuities;
b. differentiates simple and general annuities value simple and
Objectives b. compute the future value and present value
c. exhibit appreciation of annuities by using general annuities;
of simple and general annuities;
cash flow diagram c. exhibit mastery
c. value accumulated knowledge as how to be
of mathematical
practical specifically in spending for your
skills in annuity
needs whether be it in cash or in
through quiz
installment basis
Future and Present Values of Simple and Quiz
II. CONTENT Simple and General Annuities
General Annuities
III. LEARNING
RESOURCES
A. References
 1. Teacher’s
Guide pages
2. Learner’s
Materials
pages
Isidro, J.D., Solano, I.P., Mariano, O.G. Isidro, J.D., Solano, I.P., Mariano, O.G. (2019).
3. Textbook (2019). DIWA Senior High School Series: DIWA Senior High School Series: General
pages General Mathematics (2nd Edition). Makati Mathematics (2nd Edition). Makati City,
City, Philippines: DIWA Learning Systems Inc. Philippines: DIWA Learning Systems Inc.
4. Additional
Materials from ADM-General Mathematics Quarter 2 - Module
ADM-General Mathematics Quarter 2 -
Learning 5: Future and Present Values of Simple and
Module 4: Simple and General Annuities
Resource (LR) General Annuities
portal
B. Other
Learning
Resources /
Materials
IV. PROCEDURES
A. Reviewing REMEMBER ME
previous As the saying goes, “A person who does not
lesson or remember where he came from will never
presenting reach his destination”. This saying is very
the new popular, passing from one generation to
lesson another generation. For you to remember the
previous lesson, here are some exercises to
refresh your mind.
If ₱40,000 is invested for 6 years at 5%
compounded quarterly.
a. Give the value of the following using the
r
formula A=P(1+i)n where i= and n=kt
k
1. P=_______
2. r=_______
3. i=_______
4. n=______
 b. Find the compound amount.
c. Find the compound interest.
HOW MUCH WILL I EARN?
You decided to join a Kabataan Savers Club
which aims for financial growth of the youth
nowadays. If you pay ₱1,000.00 at the end of
each month for 5 months on account that pays
interest at 12% compounded monthly, how
much money will you have after 5 months?

B. Establishing
a purpose for
the lesson

If the payment for each period is fixed and the

compound interest rate is fixed over a
specified time the payment is called an The future value of an annuity is the total
C. Presenting
annuity payment. Accounts associated with accumulation of the payments and interest
examples/
streams of annuity payments are called earned. The present value of an annuity is
instances of
annuities. the principal that must be invested today to
the lesson
Annuity - a sequence of payments made at provide the regular payment of an annuity.
equal (fixed intervals or periods of
time.
The CASH VALUE OR CASH PRICE is equal
to the down payment (if there is any) plus the
present value of the installment payments.
Mr. Angeles paid ₱200,000.00 as a down
payment for a car. The remaining amount is
to be settled by paying ₱ 16,200.00 by the
end of each month for 5 years. If interest is
10.5% compounded monthly, what is the
cash price of his car?

Example 1.D

Mr. Edgar borrowed from his friend ₱

200,000.00 He promised to pay the amount
plus its interest by an equal amount of
money each year for 3 years. What must be
his annual payment if they agreed on an
interest of 10% compounded annually?
 1. What type of annuity is present in the
problem?
2. What were the given presented?
D. Discussing Simple Annuity is a type of annuity in which 3. What formula should you use to solve the
new concepts the payment period is the same as the interval problem?
and period (conversion period). 4. What would be the answer in the problem?
practicing Example: Monthly payment where interest is
new skills #1 compounded monthly
E. Discussing General Annuity
new concepts 1. Monthly installment of a car, lot or house
and with an interest rate that is compounded
practicing annually.
new skills #2 2. Paying a debt semi-annually when the
interest is compounded monthly.

Example 2.A
What is the present value of an annuity of ₱
2,000.00 payable annually for 9 years if the
money is worth 5% compounded quarterly.

Example 2.B
What is the future value of an annuity of ₱
2,000.00 payable annually for 9 years if the
money is worth 5% compounded quarterly.
 Read the problem carefully and tell whether Find the Present Value (P) and the Future Value
each of the given information describes a (F) of quarterly payments of ₱ 2,000.00 for 5
simple annuity or general annuity. Complete years with interest rate of 8% compounded
the diagram that follows. Have Fun! quarterly.
Monthly payments of ₱ 3,000 for 4 years with
interest rate of 3% compounded monthly.
Type of Annuity: ________________

F. Developing
mastery
(Leads to
Formative
Assessment 3)

G. Finding Payment of ₱ 500.00 is made at each year for

practical Identify the type of annuity in the given 10 years. Interest has a nominal rate of 8%
applications situations below then show the illustration of convertible quarterly. Find the present and the
of concepts the cash flow. future value.
 a. Monthly payments of ₱ 2,000 for 5 years
with interest rate of 12% compounded
and skills in annually.
daily living b. Yearly payment of ₱15,000 for 10 years
with interest rate of 8% compounded
annually.
A sequence of payments made at equal (fixed) Write down the differences and similarities
intervals or periods of time is called Annuity. between Simple Annuity and General Annuity.
Each payment in an annuity is called the
H. Making periodic payment (R).
generalizatio The time between the successive payments
ns and dates of an annuity is called the payment
abstractions interval.
about the In simple annuity the payment interval is also
lesson the same as the interest period.
In general annuity the interest conversion or
compounding period is not the same with the
payment interval.
I. Evaluating
learning
J. Additional Why is it that many Filipinos do not save or Study: Fair Market Value
 save very little? Research the top five external of a Cash Flow
activities for
factors or barriers to saving. Your answers
application or
should be supported by recent data. Cite your
remediation
sources for the data gathered.

V. REMARKS

VI. REFLECTION
1. No. of learners
who earned
80% on the
formative
assessment
2. No. of learners
who require
additional
activities for
remediation.
3. Did the
remedial
lessons work?
No. of learners
who have
caught up with
the lesson.
4. No. of learners
who continue
to require
remediation
5. Which of my
teaching
strategies
worked well?
Why did this
work?
6. What
difficulties did I
 encounter
which my
principal or
supervisor can
help me solve?
7. What
innovation or
localized
materials did I
use/discover
which I wish to
share with
other teachers?

Prepared by: Checked by: Reviewed by: Noted by:

KIMBERLYN A. GRANZO CHERRY HILL A. CATCALIN JOHN RECK L. NIEPES CECILIA C. PAPA
Teacher II Key Teacher – Math/Teacher II Teacher III Principal II