GENERAL MATHEMATICS

GRADE 11 ( S1 | Q2 ) SIMON BARRENUEVO SRSTHS | SY ‘23 - ’24

NOTES:
SIMPLE INTEREST FORMULAS
● Italized – important info to keep in mind
● Keep in mind the given (may ques na what
Is = Prt R = Is/Pt
is being asked in the problem)
○ Example: How much does he P = Is/rt T = Is/Pr
expect to withdraw at the end of
the policy? Future Value Is = simple interest r = simple interest
● FORMULAS ARE NEEDED for the exam

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P = principal, or the rate
● GAMITIN BUONG VALUE NG J amount invested t = term or time

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● This reviewer will only serve as a GUIDE,
keep in mind to study each concept EXAMPLE 1:
thoroughly P = 10,000 Is = ?
● Do not share to other sections – del T = 6 months r = 5%
Is = 250

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mundo & campos ONLY (Sir Simon, 2024)
★ Compound Interest (Ic) - interest is
INTEREST computed on the principal and also on the

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accumulated past interests
● Difference of simple and compound

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interest, borrower and lender COMPOUND INTEREST FORMULAS
● Given: Which of the following banks would
you invest on? ( P = 1000 ) P = F / (1+r)^r F = P (1+r)^nt

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○ 5% annually
○ 4% annually Ic = F - P
○ 3% semi annually
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○ 2% quarterly P = principal or present value
F = maturity (future) value at the end
TERMS
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of the term
★ Interest (I) - amount paid or earned for the r = interest rate
use of money
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t = term/ time in years

★ Lender or creditor - the person (or n = number of times in a year that is
institution) who invests the money or makes compounding is applied (annually,
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the funds available semi-annually, quarterly, monthly)

★ Borrower or debtor - person (or institution)
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who owes the money or avails of the funds ★ EXAMPLE 1

from the lender ○ Find the Present value when 50,000 is
★ Origin or loan date - the date on which the future value and 3,500 is the
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money is received by the borrower Compound Interest Value, (P = 46,500)

★ Repayment date or maturity date - the date
on which the money borrowed or loan is to ANNUITY
be completely paid
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★ Time or term (t) - amount of time in years TERMS

the money is borrowed or invested; length ★ Annuity – a sequence of payments made at
equal(fixed) intervals or periods of time
R

of time between the origin and maturity

dates ★ Payment Interval – the time between
successive payments
FO

★ Principal (P) - amount of money borrowed

or invested on the origin date ★ Simple Annuity – payment interval is the
★ Rate(r) - annual rate, usually in percent, same as the interest period
charged by the lender, or rate of increase of ○ Simple Ordinary Annuity – Payment
the investment made at the end of each month; payment
★ Maturity value or future value (F) - amount period & interest period are equal
after t years that the lender receives from
the borrower on the maturity date
★ Simple Interest (Is) - interest that is
computed on the principal and then added
to it

ZARATE, H. | 1
GENERAL MATHEMATICS
GRADE 11 ( S1 | Q2 ) SIMON BARRENUEVO SRSTHS | SY ‘23 - ’24

Where:
P = Present value of an
ordinary annuity
R = regular payment
I = interest rate per
period
n = number of payments

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○ General Ordinary
Annuity – Payment made at end of each
month; payment period & interest period
are not equal

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A
Total Conversion Period:
N = (m1) (t)

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Every month for 2 years = (12)(2) = 24
★ Dividends - portion of the company’s
Interest rate per period: r/n earning distributed among its

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stockholders:
Interest rate per payment interval: ○ Dividend per share = total
J = ( 1 + r/n2)^n2/n1 - 1 dividend/total shares
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○ Dividend formula = (%)(par value)(#
★ A car’s worth 500, 000. Person A made a of shares)
downpayment of 100,000, which must be
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★ Par Value - the per share amount as
paid for 5 years with 10,000 monthly which stated on the company certificate.
has an interest that is compounded
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★
quarterly. Stock table
○ Solve for the general annuity to get
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future value using 10,000 as the monthly

payment for 5 years and compounded
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quarterly. then add downpayment to get

total value
○ If getting present value – use the general
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annuity formula
★ Deferred annuity - an annuity that does not
begin until a given time interval has passed
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★ Period of Deferral (Artificial Payment) –

time between the purchase of an annuity ★ Bonds – interest-bearing security which
and the start of the promises to pay amount of money on a
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payments for the certain maturity date as stated in the

deferred annuity. bond certificate
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○ After = retain ★ Coupon – periodic interest payment that

○ At the end = -1 the bondholder receives during the time
between purchase date and maturity
date; usually received semi-annually
STOCKS, BONDS, LOANS ○ formula = (Face/par/maturity value)
(coupon rate)/2
Remember: analyze why you should put your
★ Coupon Rate - the rate per coupon
money in stocks/bonds and the difference
payment period; denoted by r
between stocks & bonds
★ Price of a Bond - the price of the bond
at purchase time; denoted by P

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GENERAL MATHEMATICS
GRADE 11 ( S1 | Q2 ) SIMON BARRENUEVO SRSTHS | SY ‘23 - ’24

★ Par Value or Face Value - the amount ● Negation - the negation of a proposition
payable on the maturity date; denoted by p is denoted by ~p : (read as ‘not p’)
F
★ Term (Tenor) of a Bond - fixed period p ~p
of time (in years) at which the bond is
redeemable as stated in the bond T F
certificate; number of years from time of
purchase to maturity date F T

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★ Fair Price of a Bond - present value of ● Conjunction (^)– and;

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all cash inflows to the bondholder Same values = same results (T=T, F=F)
Once F = F results
ANNUAL COUPON AMOUNT = (FACE VALUE) q p P^q
(COUPON RATE)

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T T T
★ Concept of Loans
○ Consumer Loan– type of loan that is

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F T F
offered to business and individuals
or other retail companies. T F F

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○ Business Loan – a type of loan that
borrowed capital that companies F F F
apply toward expenses that they are

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● Disjunction (v) – or; will only becomes
unable to pay for themselves false if BOTH of them are false
○ mas mataas interest rate ng
p q pvq
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business loan kaysa sa consumer
loan T T T
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Down payment = (down payment rate) (cash
T F T
price)
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F T T
A car has a price of 100,000 then you need
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to pay a downpayment of 12%, what is the F F F

amount of downpayment?
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= 100,000 x 0.12 = 12, 000

● Conditional ( → ) - if … then | only false if
q is false and T is true
Amount of the Loan = (cash price) - (down
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payment) p q p→q

T T T
★ Mortgage - kabaliktaran ng downpayment
○ Orginal Value - DP
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T F F
○ EXAMPLE: 100,00 then 12,000 ang DP
= 88,000 ang mortgage F T T
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LOGIC F F T
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Logic - study of reasoning, seeks the rules and ● Biconditional (⭤ ) - if and only if | false if
principles of how people should reason correctly one value is false; otherwise same values
and rationally. = true
Proposition - this is a statement in declarative p q
form that expresses a single and complete idea, p ⭤ q
and bears either truth or falsity.
T T T
○ Simple Proposition - a proposition that
has only one subject and one predicate. T F F
○ Compound Proposition - a proposition
wherein two simple sentences are F T F
combined by a connector

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GENERAL MATHEMATICS
GRADE 11 ( S1 | Q2 ) SIMON BARRENUEVO SRSTHS | SY ‘23 - ’24

F F T

● Logical equivalence
De Morgan, distributive, idempotent,
○
identity, absorption, double negation,
associative
○ Familiarize law and conversion
● Which of the following is the tautology

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(similar like this na questions)

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M
A
C
&
O
D
N
U
M
EL
D
R
FO

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