Quarter(s): 1,2,3,4

Day(s): Mon, Thu

Open Spots: 6

Financing a motorcycle, buying your first car, comparing lease options on an apartment, understanding your paycheck, and selecting insurance. These are all real-life scenarios that young adults will face within the first five years of graduating high school, if not sooner. These choices and others are an inevitable part of "adulting" and require a solid understanding of essential math skills.

This course will work through practical, real-life situations and will review the math skills needed to make informed choices. Often called "Consumer Math," this course will review arithmetic concepts such as decimals, fractions, discounts, rates, ratios, proportions, rounding, simple interest, estimating, and measurements. However, instead of working math problems in abstract exercises, students will revisit these concepts in the context of scenarios they will encounter in everyday life.

What is a better deal: an extra 15% off the already discounted sales price of 30% off or Buy One, Get One free? Students will be able to use/apply arithmetic concepts to common scenarios to make informed consumer choices. Course themes include:

Banking and Checking Accounts including balancing a checkbook (on paper and spreadsheet), understanding fees, and interest.
Saving and Investing including how money grows, simple and compounding interest, overview of how stocks, bonds, savings accounts, and CDs work, and discussion on personal emergency fund.
Credit Cards including fees, minimum payments, interest, what happens when the balance is not paid off, and a look at consumer credit scores.
Measurement/Metric System/Unit Conversion including a review of what units are used for what items in imperial and metric systems, common ballparks and estimates, mathematical methods to convert and compare units, and the use of apps to make conversions.
Sales/Discounts by looking at examples to compare various promotions and to calculate which is a better deal.
Wages/Income including calculating weekly or bi-weekly or annual pay from a rate, estimate payroll withholdings as percentages, look at hour overtime affects earnings, commissions, and a survey of the salaries and hourly rates for variety of jobs teens and young adults might have.
Pricing and Cost including sales taxes and how goods and services are priced and what mark-ups should be considered- useful for those wanting to have their own business.
Rent/Mortgages For rentals, understand application fees, security deposits, and pre-paid amounts, monthly rate and what is included, and term of lease and make comparison among options. For purchases: understand how mortgages vary based on down payment, term, and interest rate. Students will look at cost of homes in their area and practice using online calculators to adjust down payment, term, interest rate, and homeowners' insurance affect monthly payment, and they will look briefly at how the amount paid towards principle and interest (P/I) change over time.
Types of Insurance including auto, health, and hazard insurance. What is required, what is recommended, and how much do they cost? Understanding option such as employer-paid v. self-pay; private insurance v. ACA marketplace policy; and terminology such as co-pay, co-insurance, deductible, out-of-pocket maximum, etc.
Loans- Auto/Student/Personal/Consumer (such as furniture) including understanding how down payment, term, and interest rate affect your monthly payment and what it means to have "no interest for 12 months" or "zero down."
Automobiles including the cost of warranties and what they cover, the costs of owning and operating a vehicle, fuel efficiency, and the metrics of EVs.
Budgeting including a personal plan given assumed career/average salary, and all anticipated expenses (housing, utilities, transportation, food, insurance, medical, clothing, entertainment).

Prerequisites: Pre-Algebra

Workload: Students should expect to spend 1-1.5 hours per day on reading, review, and homework on most non-class days. Homework assignments will run on a 7-day cycle, with assignments posted on Thursdays and due the following Thursday. Students are advised to start homework once it is assigned (i.e., not wait until the night before it is due). Weekly homework assignments will be of a length that a student should be able to complete them in two or three at-home work sessions. Solutions will be provided for some homework problems, but students are expected to show all steps of their work.

Assignments: The Canvas online class management system will be used to post assignments and scores. Students should have their own e-mail address in order to be set up as users of the Canvas system. Parents can also be set up as Canvas guests/observers for purposes of tracking the student's progress and workload.

Assessments: Student progress will be assessed by: (1) The instructor checking that weekly homework sets are attempted and complete and (2) detailed grading of periodic take-home tests. Parents will be able to view accumulated points awarded in the class for the purpose of determining a parent-awarded course grade. See the instructor's webpage for detailed homework and test policy, including late work and re-work.

Textbook/Materials: Students should purchase or rent Mathematics for Business and Personal Finance,by McGraw Hill Publishers, 1st Edition (ISBN-13: 978-0078805059) [race cars on cover]

What to Bring: Notebook or paper, pen or pencil, textbook and/or workbook. From time to time the instructor may ask students to bring a smart phone (for apps) or laptop for in-class investigation.

Credit: Homeschool families may wish to count this course as full credit in Mathematics or Personal Finance for purposes of a high school transcript.

Quarter(s): 1,2,3,4

Day(s): Mon, Thu

Open Spots: 4

This is a complete course in high school Algebra II which will cover fundamental concepts and provide a solid foundation of mathematical literacy, problem solving, reasoning, and critical thinking skills that are necessary for the exploration of more advanced and rigorous topics in mathematics. Topics in Algebra II include linear functions, systems of equations and inequalities, quadratic functions and complex numbers, exponential and logarithmic functions, rational and irrational algebraic functions, and quadratic relations and systems. In addition, this course will cover higher degree functions with complex numbers, sequences and series, probability, data analysis, and trigonometric and circular functions. Students will explore these topics through class discussions, practice problems, and open-ended problem solving.

Prerequisite: Students should have a solid foundation Algebra I in order to take this class.

Workload: Students should expect to spend 1-1.5 hours per day on reading, review, and homework on most non-class days. Homework assignments will run on a 7-day cycle, with assignments posted on Thursdays and due the following Thursday. Students are advised to start homework once it is assigned (i.e., not wait until the night before it is due). Weekly homework assignments will be of a length that a student should be able to complete them in two or three at-home work sessions. Solutions will be provided for some homework problems, but students are expected to show all steps of their work.

Assignments: The Canvas online class management system will be used to post assignments and scores. Students should have their own e-mail address in order to be set up as users of the Canvas system. Parents can also be set up as Canvas guests/observers for purposes of tracking the student's progress and workload.

Assessments: Student progress will be assessed by: (1) The instructor checking that weekly homework sets are attempted and complete and (2) detailed grading of periodic take-home tests. Parents will be able to view accumulated points awarded in the class for the purpose of determining a parent-awarded course grade. See the instructor's webpage for detailed homework and test policy, including late work and re-work.

Textbook: Students should purchase or rent the required textbook for this class: Algebra and Trigonometry: Functions and Applications- Prentice Hall Classics (ISBN-10 0131657100, ISBN-13 978-0131657106). A scientific calculator similar to the Casio fx-115ES PLUS is required for this class.

Credit: Homeschool families may wish to count this course as a complete credit in Algebra II for purposes of a high school transcript.

Quarter(s): 1,2,3,4

Day(s): Mon, Thu

Open Spots: 7

This is a complete course in high school PreCalculus which will cover fundamental concepts and provide a solid foundation of mathematical literacy, problem solving, reasoning, and critical thinking skills that are necessary for the exploration of more advanced and rigorous topics in mathematics. Topics in Precalculus include functions: polynomial, rational, exponential, logarithmic, and trigonometric (right angle and unit circle). In addition, the course will cover polar coordinates, parametric equations, analytic trigonometry, vectors, systems of equations/inequalities, conic sections, sequences, and series. Students will explore these topics through class discussions, practice problems, and open-ended problem solving.

Prerequisite: Students should have a solid foundation Algebra I, Algebra II, and Geometry in order to take this class.

Workload: Students should expect to spend 1-1.5 hours per day on reading, review, and homework on most non-class days. Homework assignments will run on a 7-day cycle, with assignments posted on Thursdays and due the following Thursday. Students are advised to start homework once it is assigned (i.e., not wait until the night before it is due). Weekly homework assignments will be of a length that a student should be able to complete them in two or three at-home work sessions. Solutions will be provided for some homework problems, but students are expected to show all steps of their work.

Assignments: The Canvas online class management system will be used to post assignments and scores. Students should have their own e-mail address in order to be set up as users of the Canvas system. Parents can also be set up as Canvas guests/observers for purposes of tracking the student's progress and workload.

Assessments: Student progress will be assessed by: (1) The instructor checking that weekly homework sets are attempted and complete and (2) detailed grading of periodic take-home tests. Parents will be able to view accumulated points awarded in the class for the purpose of determining a parent-awarded course grade. See the instructor's webpage for detailed homework and test policy, including late work and re-work.

Textbook: Students should purchase or rent the required textbook for this class: Precalculus: Mathematics for Calculus, 7th edition by Stewart, Redlin, and Watson (ISBN-13: 978-1305115309). A scientific calculator similar to the Casio fx-115ES PLUS is required for this class.

Credit: Homeschool families may wish to count this course as a complete credit in Precalculus for purposes of a high school transcript.

Quarter(s): 1,2,3,4

Day(s): Mon, Thu

Open Spots: 2

This is a complete course in high school Calculus which will cover fundamental concepts and provide a solid foundation of mathematical literacy, problem solving, reasoning, and critical thinking skills that are necessary for the exploration of more advanced and rigorous topics in mathematics. Topics in Calculus include limits of functions (one-sided and two-sided limits, limits at infinity and infinite limits, limits of sequences, and continuity of functions), derivatives (various definitions of derivatives, estimating derivatives from tables and graphs, rules of differentiation, properties of derivatives, separable differential equations, and the Mean Value Theorem), applications of derivatives (related rates, optimization, and exponential growth and decay models), integrals (basic techniques of integration including basic antiderivatives and substitution), applications of integrals (in finding areas and volumes, describing motion, and as accumulation functions), and the Fundamental Theorem of Calculus. Students will explore these topics through class discussions, practice problems, and open-ended problem-solving. Prerequisite: Students should have a solid foundation in PreCalculus in order to take this class. Level: This course is offered at two levels, Honors and Advanced Placement (AP). The scope and sequence are identical, however AP students may have additional practice problems. Students who wish to take the AP exam must register and pay for their own exam through the College Board in fall 2024 for the May 2025 exam. Workload: Students should expect to spend 1-1.5 hours per day on reading, review, and homework on most non-class days. Homework assignments will run on a 7-day cycle, with assignments posted on Thursdays and due the following Thursday. Students are advised to start homework once it is assigned (i.e., not wait until the night before it is due). Weekly homework assignments will be of a length that a student should be able to complete them in two or three at-home work sessions. Solutions will be provided for some homework problems, but students are expected to show all steps of their work. Assignments: The Canvas online class management system will be used to post assignments and scores. Students should have their own e-mail address in order to be set up as users of the Canvas system. Parents can also be set up as Canvas guests/observers for purposes of tracking the student's progress and workload. Assessments: Student progress will be assessed by: (1) The instructor checking that weekly homework sets are attempted and complete and (2) detailed grading of periodic take-home tests. Parents will be able to view accumulated points awarded in the class for the purpose of determining a parent-awarded course grade. See the instructor's webpage for detailed homework and test policy, including late work and re-work. Textbook: Students should purchase or rent the required textbook for this class: Calculus: Single Variable/Early Transcendentals, 8th edition by James Stewart (ISBN-13 9781305270336). A scientific calculator similar to the Casio fx-115ES PLUS is required for this class, and it is highly recommended that students preparing for the AP exam have a graphing calculator similar to the TI-83. Students without a graphing calculator must have access to desmos.com and/or wolframalpha.com for graphing assignments. Credit: Homeschool families may wish to count this course as a complete credit in Calculus for purposes of a high school transcript.

Quarter(s): 1,2

Day(s): Mon, Wed

Open Spots: 3

4th grade math is a full-year, complete math curriculum for students who have covered the 3rd grade equivalent math skills (see prerequisites). This course uses the Grade 4 Math Mammoth curriculum which homeschool guru Cathy Duffy (cathyduffyreviews.com) calls "an amazingly well-developed program." She praises the program saying, "Math Mammoth has created a very high-quality product... the content is also top-notch. Some people have compared Math Mammoth with Singapore Math since both programs teach for mastery and understanding." Read more about Math Mammoth here: https://www.mathmammoth.com/complete-curriculum This class meets twice a week and is designed to be a complete program in which students receive instruction in person at Compass and complete homework on off-days at home. Parents do not have to select a curriculum or deliver the instruction, but rather are expected to ensure that assignments are being completed on time and assisting the student in checking attempted homework. Topics covered in Grade 4 Math Mammoth include: Chapter 1: Addition, Subtraction, Patterns, and Graphs Chapter 2: Large Numbers and Place Value Chapter 3: Multi-Digit Multiplication Chapter 4: Time and Measuring Chapter 5: Division Chapter 6: Geometry Chapter 7: Fractions Chapter 8: Decimals 4th Grade Math is being offered at Compass as a full year class with 59 in-person class meetings. Attendance is very important. In the event of a missed class due to illness or travel, students may cover the missed lesson through online recorded lectures by the author available on YouTube. Prerequisites: Grade 3 Math or equivalent, with experience/familiarity in following: -Multiplication tables and basic division facts -Mental addition and subtraction -Regrouping in addition and subtraction (carrying and borrowing) -Basic word problems -Multiplication and related concepts -Clock to the minute and elapsed time calculations -Basic money calculations (finding totals and change) -Place value and rounding with four-digit numbers -Quadrilaterals, perimeter, and area -Division and related concepts (remainder, word problems) -Measuring lines in inches and centimeters -Basic usage of measuring units -The concept of a fraction and mixed number, equivalent fractions, and comparing fractions For guidance if a child is ready for Grade 4 math, parents can administer the Math Mammoth end-of-3rd-grade placement test. A score of 80% is recommended to place into Grade 4. Assignments: Assignments will be made in class as a range of pages to complete on the topics that were taught in class. The instructor will follow up with an email repeating the assigned pages. Assessments: Each class, the instructor will check that students have completed the assigned homework. Homework will be recorded as attempted or not attempted. Parents will be provided with an answer key for homework. Students will have take-home unit tests that will be graded by the instructor. Parents may track unit test scores in order to assign their own grades and complete homeschool record-keeping. Lab/Supply Fee: A class fee of $50.00 is due payable to Compass on the first day of class for Grade 4, color edition worktext book. Students will be issued the 4A book first semester, and the 4B book second semester. What to Bring: Students should bring a spiral notebook, pencil, and their worktext to class each week.

Quarter(s): 1,2

Day(s): Mon, Wed

Open Spots: 5

5th grade math is a full-year, complete math curriculum for students who have covered the 4th grade equivalent math skills (see prerequisites). This course uses the Grade 5 Math Mammoth curriculum which homeschool guru Cathy Duffy (cathyduffyreviews.com) calls "an amazingly well-developed program." She praises the program saying, "Math Mammoth has created a very high-quality product... the content is also top-notch. Some people have compared Math Mammoth with Singapore Math since both programs teach for mastery and understanding." Read more about Math Mammoth here: https://www.mathmammoth.com/complete-curriculum This class meets twice a week and is designed to be a complete program in which students receive instruction in person at Compass and complete homework on off-days at home. Parents do not have to select a curriculum or deliver the instruction, but rather are expected to ensure that assignments are being completed on time and assisting the student in checking attempted homework. Topics covered in Grade 5 Math Mammoth include: Chapter 1: The Four Operations Chapter 2: Large Numbers and the Calculator Chapter 3: Problem Solving Chapter 4: Decimals, Part 1 Chapter 5: Graphing Chapter 6: Decimals, Part 2 Chapter 7: Fractions: Add and Subtract Chapter 8: Fractions: Multiply and Divide Chapter 9: Geometry 4th Grade Math is being offered at Compass as a full year class with 59 in-person class meetings. Attendance is very important. In the event of a missed class due to illness or travel, students may cover the missed lesson through online recorded lectures by the author available on YouTube. Prerequisites: Grade 4 Math or equivalent, with experience/familiarity in following: -Addition and subtraction -Early algebraic thinking -The order of operations -Graphs -Large numbers and place value -Rounding and estimating -Multi-digit multiplication -Word problems -Some basic conversions between measuring units -Measuring length -Time calculations -Long division -The concept of remainder -Factors -Area and perimeter -Measuring and drawing angles -Classifying triangles according to their angles -Adding and subtracting fractions and mixed numbers (like fractional parts) -Equivalent fractions -Comparing fractions -Multiplying fractions by whole numbers -The concept of a decimal (tenths/hundredths) -Comparing decimals For guidance if a child is ready for Grade 5 math, parents can administer the Math Mammoth end-of-4th-grade placement test. A score of 80% is recommended to place into Grade 5. Assignments: Assignments will be made in class as a range of pages to complete on the topics that were taught in class. The instructor will follow up with an email repeating the assigned pages. Assessments: Each class, the instructor will check that students have completed the assigned homework. Homework will be recorded as attempted or not attempted. Parents will be provided with an answer key for homework. Students will have take-home unit tests that will be graded by the instructor. Parents may track unit test scores in order to assign their own grades and complete homeschool record-keeping. Lab/Supply Fee: A class fee of $52.00 is due payable to Compass on the first day of class for Grade 5, color edition worktext books. Students will be issued the 5A book first semester, and the 5B book second semester. What to Bring: Students should bring a spiral notebook, pencil, and their worktext to class each week.