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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. Percentage Profit & Loss Reverse Process / Original Price Money Matters www.mathsrevision.com VAT / Easy VAT Calculation Loans & Hire Purchase Foreign Currency Car Insurance Travel and Valuable Insurance Building & Contents & valuables Insurance Life Insurance

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. Starter Questions Q1. Explain why 15% of £80 is £12 Q3. Q2. Multiply out the brackets Q4. www.mathsrevision.com

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. Learning Intention Success Criteria 1.To know the meaning of the terms percentage PROFIT and LOSS. 1.To understand the terms percentage profit and loss. 2.Apply knowledge to calculations. www.mathsrevision.com Profit and Loss

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. Profit and Loss Profit :When you sell something for MORE than you bought it. Loss :When you sell something for LESS than you bought it. www.mathsrevision.com

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. Example 1 A shopkeeper buys crisps for 20p each. He want to make a 40% profit on every pack he sells. How much must he sell them for. www.mathsrevision.com Profit and Loss 10% 20 ÷ 10 = 2p 40% 2p x 4 = 8p He must sell each packet for 20p + 8p = 28p

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. Profit and Loss Example 2 An electronics shop buy TVs for £300 each and sell them to customers for £450. What percentage profit do they make on each TV. Profit = 450 – 300 = £150 www.mathsrevision.com = 50%

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. Profit and Loss Example 3 A travel shop buy package holidays to Spain for £800. Due to lack of demand they are forced to cut there losses and sell them for £500. What percentage loss do they make on each package. Loss = 800 – 500 = £300 www.mathsrevision.com = 37.5%

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12-Jun-14Created by Mr. Lafferty Maths Dept. Now try Ex 2.1 Ch4 (page 59) All Questions www.mathsrevision.com Profit and Loss S3 Credit

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. Starter Questions www.mathsrevision.com

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S3 Credit - Money S3 Credit Learning Intention Success Criteria 1.Know the reverse process. 1.Explain how to use the reverse process to find the origin price. 2. Calculate the origin price for a given item. www.mathsrevision.com created by Mr. lafferty @ www.mathsrevision.com Thursday, June 12, 2014Thursday, June 12, 2014Thursday, June 12, 2014Thursday, June 12, 201410 Profit and Loss

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www.mathsrevision.com Example 1 After selling a house for £88 000 and making a 10% Profit. What was the original price of the house. Price before is 100% £800 x 100 = £80 000 1 % 100 % + 10 % = £88 000Deduce from question : 110 % = £88 000We have : created by Mr. lafferty @ www.mathsrevision.com Thursday, June 12, 2014Thursday, June 12, 2014Thursday, June 12, 2014Thursday, June 12, 2014 11 Profit and Loss Calculating Original Price Original value S3 Credit Easier method 110% 88000 100% Are we expecting more or less

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www.mathsrevision.com Example 2 A car has lost 15% of its value in a year. It is now valued at £2550. What was its original price. Price before is 100% £30 x 100 = £3 000 1 % 100 % - 15 % = £2 550Deduce from question : 85 % = £2 550We have : created by Mr. lafferty @ www.mathsrevision.com Thursday, June 12, 2014Thursday, June 12, 2014Thursday, June 12, 2014Thursday, June 12, 2014 12 Profit and Loss Calculating Original Price S3 Credit www.mathsrevision.com created by Mr. lafferty @ www.mathsrevision.com Thursday, June 12, 2014Thursday, June 12, 2014Thursday, June 12, 2014Thursday, June 12, 2014 Easier method 85% 2550 100% Are we expecting more or less

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12-Jun-14Created by Mr. Lafferty Maths Dept. Now try Ex 2.2 Ch4 (page 61) All Questions www.mathsrevision.com Profit and Loss S3 Credit

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. Starter Questions Starter Questions www.mathsrevision.com

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S3 Credit - Money S3 Credit Learning Intention Success Criteria 1.Understand term VAT. 1.Explain how to calculate price +VAT. Also cost before VAT. www.mathsrevision.com created by Mr. lafferty @ www.mathsrevision.com Thursday, June 12, 2014Thursday, June 12, 2014Thursday, June 12, 2014Thursday, June 12, 201415 VAT - 17.5% 2.Solve VAT Problems by calculating percentages.

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S3 Credit - Money S3 Credit Created by Mr. Lafferty Maths Dept VAT www.mathsrevision.com Value added Tax Why do we pay it ? VAT means : To pay for NHS, bin collection, School education etc…… 17.5% What is the current percentage rate of VAT

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S3 Credit - Money S3 Credit Created by Mr. Lafferty Maths Dept VAT – 17.5% www.mathsrevision.com Example 1 How much will I pay for the computer including VAT below ? £1000 + VAT 10% 1000 ÷ 10 = £100 5% half of 10%= £ 50 2.5% half of 5%= £ 25 17.5%£175 Total cost is £1000 + £175 = £1175

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S3 Credit - Money S3 Credit Created by Mr. Lafferty Maths Dept VAT – 17.5% www.mathsrevision.com Example 2 Price of the Plasma TV is shown below is excluding VAT. What is the total price I have to pay. £1300 (excluding VAT) 10% 1300 ÷ 10 = £130 5% half of 10%= £ 65 2.5% half of 5%= £ 32.50 17.5%£227.50 Total cost is £1300 + £227.50 = £1527.50

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12-Jun-14Created by Mr. Lafferty Maths Dept. Now try Ex 3.1 Ch4 (page 63) All Questions www.mathsrevision.com Profit and Loss S3 Credit

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. Starter Questions Q1. True or false 2a (a – c + 4ab) =2a 2 -2ac + 8ab Q3. Q2. Find the missing angle Q4. www.mathsrevision.com 22 o

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S3 Credit - Money S3 Credit Learning Intention Success Criteria 1.Understand multiplier 1.175. 1.Explain how to calculate price +VAT using the simply multiplier 1.175. Also cost before VAT using divisor 1.175. 2. Understand divisor 1.175. www.mathsrevision.com created by Mr. lafferty @ www.mathsrevision.com Thursday, June 12, 2014Thursday, June 12, 2014Thursday, June 12, 2014Thursday, June 12, 201421 Easy VAT 3.Solve VAT Problems using 1.175

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S3 Credit - Money S3 Credit Created by Mr. Lafferty Maths Dept Easy VAT www.mathsrevision.com Easy way to calculate cost including VAT Cost before VAT x 1.175 Cost including VAT Cost before VAT ÷ 1.175 Cost including VAT Reverse Process cost before VAT was added

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S3 Credit - Money S3 Credit Created by Mr. Lafferty Maths Dept VAT – 17.5% www.mathsrevision.com Example 1 How much will I pay for the computer including VAT below ? £1000 + VAT 10% 1000 ÷ 10 = £100 5% half of 10%= £ 50 2.5% half of 5%= £ 25 17.5%£175 Total cost is £1000 + £175 = £1175 www.mathsrevision.com Thursday, June 12, 2014Thursday, June 12, 2014Thursday, June 12, 2014Thursday, June 12, 2014 Easier method 100% 1000 117.5% Are we expecting more or less

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S3 Credit - Money S3 Credit Created by Mr. Lafferty Maths Dept VAT – 17.5% www.mathsrevision.com Example 2 Price of the Plasma TV is shown below is excluding VAT. What is the total price I have to pay. £1300 (excluding VAT) 10% 1300 ÷ 10 = £130 5% half of 10%= £ 65 2.5% half of 5%= £ 32.50 17.5%£227.50 Total cost is £1300 + £227.50 = £1527.50 Easier method 100% 1300 117.5% Are we expecting more or less

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12-Jun-14Created by Mr. Lafferty Maths Dept. Now try Ex 3.2 Ch4 (page 65) Begin at Q2 www.mathsrevision.com Easy VAT S3 Credit

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. Starter Questions Q1. Expand out 2j (k – 5g + 4jk) Q3. Q2. Find all the missing angles Q4. www.mathsrevision.com 25 o

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. Learning Intention Success Criteria 1.To know the meaning of the term HIRE PURCHASE and the term LOAN and their difference. 1.To understand the term Hire Purchase and the term loan and their difference. 2.Apply knowledge to calculations. www.mathsrevision.com Loans & Hire Purchase

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. Hire Purchase :When you pay for goods by putting down a deposit and then paying the rest up in small fixed payments over a period of time. www.mathsrevision.com Normally you pay more for the goods using these method. Loans & Hire Purchase Loan :Borrow money normally from Bank.

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. + 12 x £28.80 = £420.60Total H.P. price = www.mathsrevision.com Difference in price =£420.60 - £365.50 = £55.10 How much more do you pay by using Hire Purchase Buying Products Washing Machine Cash Price £365.50 or by H.P. £75 deposit + 12 Payment £28.80 £75 Loans & Hire Purchase

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S3 Credit - Money S3 Credit Loans & Hire Purchase 12-Jun-14Created by Mr. Lafferty Maths Dept. + 12 x £11 = £144Total H.P. price = www.mathsrevision.com Difference in price =£144 - £120 = £24 How much more do you pay by using Hire Purchase Buying Products Hoover Cash Price £120 or by H.P. 10% deposit + 12 Payment £11 £12 Deposit 10% of £120 120 ÷ 10 = £12

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. 12 x £134.50 = £1614Total Repayment = Loans & Hire Purchase www.mathsrevision.com Charge for loan =£1614 - £1499 = £115 Seans bank offer to lend him £1499 to be paid back in 12 instalments of £134.50. (a) What is his total repayment? (b)How much does the bank charge him for the loan?

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12-Jun-14Created by Mr. Lafferty Maths Dept. Now try Ex 4.1 Ch4 (page 67) All Questions www.mathsrevision.com Loans & Hire Purchase S3 Credit

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. Starter Questions Q1. Expand out (2g + 3) (w – 5y + 4g) Q2. Q3. www.mathsrevision.com

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. Learning Intention Success Criteria 1.To be able to work in reverse with Loans & Hire Purchase. 1.Working in reverse with Loans & Hire Purchase. 2.Apply knowledge to calculations. www.mathsrevision.com Loans & Hire Purchase

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. £70 x 6 = £420 Total Instalments = Loans & Hire Purchase www.mathsrevision.com Cash Price = £420 – 60 + deposit = £360 + deposit Example : Hannah buys a DVD player on HP. She will pay a deposit of 10% and 6 monthly payments of £70. She calculates that she will pay £60 more than the cash price. What is the cash price? The deposit is 10% of cash price. 90% of cash price is £360 1% is £360 ÷ 90 = £4100% is £4 x 100 = £400

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12-Jun-14Created by Mr. Lafferty Maths Dept. Now try Ex 4.2 Ch4 (page 69) All Questions Q8 & 9 hard www.mathsrevision.com Loans & Hire Purchase S3 Credit

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. Starter Questions Q1. Expand out (2a + 1) (a – c + 4ab) Q3. Find y Q2. True or false the 2 missing angles are 32 o and 106 o Q4. Explain why the total cost of a DVD player is £705 if it costs £600 + VAT www.mathsrevision.com 32 o

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. Learning Intention Success Criteria 1.Be able to convert £s to another currency. 1.To explain how to convert £s to another currency and vice versa. 2.Be able to convert back to £s. www.mathsrevision.com Currency Exchange

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept. The currency in most of Europe is the euro www.mathsrevision.com Currency Exchange The exchange rate : How much you get for a £ £ 1 1.4 In America the currency is the dollar $ £ 1 $2

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S3 Credit - Money S3 Credit Created by Mr. Lafferty Maths Dept Currency Exchange www.mathsrevision.com Converting to a foreign currency £ x exchange rate Foreign currency £ ÷ exchange rate Converting back to £s

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12-Jun-14Created by Mr.Lafferty Maths Dept www.mathsrevision.com Foreign Currency Euro Dollar $ 1.4 1.51 Yen190 Exchange rate £1 = Example : How many Dollars and Yens will I get for £50. £ $ 11.51 50 50 x 1.51 =$75.50 £ Yen 1190 50 50 x 190 =9500 Yen Converting to another currency S3 Credit Easy method £$ 1 1.51 50 Are we expecting more or less Easy method £Yen 1 190 50

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12-Jun-14Created by Mr.Lafferty Maths Dept www.mathsrevision.com Foreign Currency Euro Dollar $ 1.44 1.50 Yen190 Exchange rate £1 = Example : A business man returns from American with $450. He converts them back to £s. How much will he get back ? Converting back to £s S3 Credit Easy method £ 1.5 1 450 Are we expecting more or less

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12-Jun-14Created by Mr. Lafferty Maths Dept. Now try Ex 5.1 & 5.2 Ch4 (page 70) All Questions www.mathsrevision.com Currency Exchange S3 Credit

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept Starter Questions Starter Questions www.mathsrevision.com

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept www.mathsrevision.com Learning Intention Success Criteria 1.To calculate Car Insurance from a table of values taking account various factors. 1.Read information from a chart. Car Insurance 2.Calculate Insurance taking in various factors. 2.Calculate Car Insurance taking in various factors.

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12-Jun-14Created by Mr.Lafferty Maths Dept www.mathsrevision.com Insurance Car Insurance Table shows different values for Car Insurance for different districts and type of car. Car Group ABCDEF1347437507615770832 2357447520630784845 4427532620735895970 Discount of 30 % - 1 year no claims Discount of 50 % - 2 years no claims. District S3 Credit Age, Postcode, married, Type of car Licence duration What factors affect the cost of Car Insurance

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12-Jun-14Created by Mr.Lafferty Maths Dept www.mathsrevision.com CarInsurance Car Insurance Car Group ABCDEF1347437507615770832 2357447520630784845 4427532620735895970 Discount of 30 % - 1 year no claims Discount of 50 % - 2 years no claims. How much will it cost for Car Insurance in District F with a car group 4. £970 S3 Credit

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12-Jun-14Created by Mr.Lafferty Maths Dept www.mathsrevision.com Car Insurance Car Group ABCDEF1347437507615770832 2357447520630784845 4427532620735895970 Discount of 30 % - 1 year no claims Discount of 50 % - 2 years no claims. How much will it cost for Car Insurance in District C with a car in group 4 with 1 year no claims. District S3 Credit

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12-Jun-14Created by Mr.Lafferty Maths Dept www.mathsrevision.com CarInsurance Car Insurance Car Group ABCDEF1347437507615770832 2357447520630784845 4427532620735895970 Discount of 30 % - 1 year no claims Normal cost would be £620 Discount is 30% of £620 10% of £620 = £62 30% £62 x 3= £186 Total cost = £620 - £186 = £434 S3 Credit

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12-Jun-14Created by Mr.Lafferty Maths Dept www.mathsrevision.com CarInsurance Car Insurance Car Group ABCDEF1347437507615770832 2357447520630784845 4427532620735895970 Discount of 30 % - 1 year no claims Discount of 50 % - 2 years no claims. How much will it cost for Car Insurance in District E with a car in group 2 with 2 year no claims. District S3 Credit

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12-Jun-14Created by Mr.Lafferty Maths Dept www.mathsrevision.com Car Insurance Car Group ABCDEF1347437507615770832 2357447520630784845 4427532620735895970 Discount of 50 % - 2 year no claims Normal cost would be £784 Discount is 50% of £784 50% of £784 = £392 Total cost = £784 - £392 = £392 S3 Credit

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12-Jun-14Created by Mr.Lafferty Maths Dept Now try Exercise 6.1 MIA Ch4 (page 75) www.mathsrevision.com Car Insurance S3 Credit

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept Starter Questions Starter Questions www.mathsrevision.com

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr.Lafferty Maths Dept www.mathsrevision.com Learning Intention Success Criteria 1.To calculate Travel Insurance from a table of values taking account various factors. 1.Read information from a chart. Travel Insurance 2.Calculate Travel Insurance taking in various factors.

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Table shows different values for Travel Insurance for different areas of the world. 12-Jun-14Created by Mr.Lafferty Maths Dept www.mathsrevision.com Travel Insurance No. of Days UK £ Europe £ Worldwide £ 1 - 3 8.2514.5030.50 4 - 6 9.7516.8036.70 7 - 9 11.5222.6039.45 How much will it cost for a week in Italy S3 Credit What factors affect the cost of Travel Insurance Age, Country visiting, Health, Sport Duration £22.60 **** Child price 60% of adult price

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Table shows different values for Travel Insurance for different areas of the world. 12-Jun-14Created by Mr.Lafferty Maths Dept www.mathsrevision.com Travel Insurance No. of Days UK £ Europe £ Worldwide £ 1 - 3 8.2514.5030.50 4 - 6 9.7516.8036.70 7 - 9 11.5222.6039.45 Frances takes her 2 children to China for 1 week. S3 Credit **** Child price 60% of adult price

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Adult Worldwide for 7 days = £39.45 12-Jun-14Created by Mr.Lafferty Maths Dept www.mathsrevision.com Travel Insurance S3 Credit Child price is 60% of £39.45 = £23.67 Total price is 39.45 + 23.67 x 2 = £86.79

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12-Jun-14Created by Mr.Lafferty Maths Dept www.mathsrevision.com Travel Insurance No. of Days UK £ Europe £ Worldwide £ 1 - 3 8.2514.5030.50 4 - 6 9.7516.8036.70 7 - 9 11.5222.6039.45 What is the maximum number of days that Jack and his son are insured for if they go to London and the cost of the insurance is £15.60 S3 Credit **** Child price 60% of adult price

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Jack pays 100% of the adult price 12-Jun-14Created by Mr.Lafferty Maths Dept www.mathsrevision.com Travel Insurance S3 Credit Son pays 60% of the adult price From table maximum number of days = 6 days %£ 160 15.60 100 Are we expecting more or less

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12-Jun-14Created by Mr.Lafferty Maths Dept Now try Exercise 7.1 MIA Ch4 (page 77) www.mathsrevision.com Travel Insurance S3 Credit

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept Starter Questions Starter Questions www.mathsrevision.com

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept www.mathsrevision.com Learning Intention Success Criteria 2.Calculate the value of building insurance given the value of the house.. 1.To explain the how to calculate building insurance for a house. 1.Why we have house building insurance. House & Contents & Valuables Insurance

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept www.mathsrevision.com You NEED to buy building insurance in case anything goes wrong with your house. House & Contents & Valuables Insurance It is a good idea to buy content insurance in case your house gets broken into or items breakdown. It is a good idea to valuables insurance in case your house gets broken into. Roof, walls, floor etc... TV, DVD, Washing Machine Jewellery, very expensive gifts.

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12-Jun-14Created by Mr.Lafferty Maths Dept www.mathsrevision.comItemsCharge Building per £1000 £0.73 Contents per £1000 £3.57 Valuables per £100 £4.75 * Building & Contents 10% discount for each year no claims House & Contents & Valuables Insurance ** Maximum discount 30% S3 Credit

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept www.mathsrevision.com Example 1 :How much is the House Insurance for a housevalued at £40 000. House & Contents & Valuables Insurance Value Premium 1000 0.73 40000 Are we expecting more or less

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept www.mathsrevision.com Example 2 :I decided to increase my insurance from £40 000 to £50 000 cover. How much more did it have to pay. House & Contents & Valuables Insurance Value Premium 1000 0.73 10000 Are we expecting more or less

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12-Jun-14Created by Mr. Lafferty Maths Dept www.mathsrevision.com Example : How much for Buildings insurance and contents insurance if a house is valued at £80 000 and contents are valued at £5 000 and no claims for 2 years. Buildings insurance : £ 17.85 £58.40 Contents insurance : Total : £76.25 Discount 20% of £76.25 = 0.2 x £76.26 = £15.25 Total : £61.00 House & Contents & Valuables Insurance S3 Credit

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12-Jun-14Created by Mr.Lafferty Maths Dept Now try Exercise 8.1 Ch4 MIA (page 78) www.mathsrevision.com House & Contents & Valuables Insurance S3 Credit

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr. Lafferty Maths Dept Starter Questions Starter Questions www.mathsrevision.com

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S3 Credit - Money S3 Credit 12-Jun-14Created by Mr.Lafferty Maths Dept www.mathsrevision.com Learning Intention Success Criteria 1.To calculate Life Insurance from a table of values taking account various factors. 1.Read information from a chart. Life Insurance 2.Calculate Life Insurance taking in various factors.

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Table shows monthly premiums. The sum assured is £10000 for the term 20 years. 12-Jun-14Created by Mr.Lafferty Maths Dept www.mathsrevision.com Life Insurance Age Male smoker Female smoker Malenon-smokerFemalenon-smoker201.251.020.770.57 251.361.110.860.66 301.481.200.960.75 S3 Credit What factors affect the cost of Life Insurance Age, Male or Female, smoker or Non- smoker

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Table shows monthly premiums. The sum assured is £10000 for the term 20 years. 12-Jun-14Created by Mr.Lafferty Maths Dept www.mathsrevision.com Life Insurance Age Male smoker Female smoker Malenon-smokerFemalenon-smoker201.251.020.770.57 251.361.110.860.66 301.481.200.960.75 S3 Credit Kerry is 25 years old and takes out a fixed term policy. She does not smoke. She wants to leave £150 000 to her dependants should she died. What is her monthly premium and how much will she pay over 20 years.

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12-Jun-14Created by Mr.Lafferty Maths Dept www.mathsrevision.com Life Insurance S3 Credit Total paid over 20 years = £9.90 x 12 x 20 = £2376 Value Monthly 10000 0.66 150000 Are we expecting more or less

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12-Jun-14Created by Mr.Lafferty Maths Dept Now try Exercise 9.1 MIA Ch4 (page 79) www.mathsrevision.com Life Insurance S3 Credit

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