### Abby Alcala

After graduating with a statistics major at UC Davis, Abby set off to Massachusetts to teach algebra 1 and geometry and enjoyed working with the curious and creative minds of high school students. She is passionate about helping students recognize and develop their strengths and leadership skills. She was instrumental in taking the high school cheer team to regional competitions, as well as elevating school spirit and pride through creating unity amongst the study body and educators. Back in the Bay Area, Abby is excited to work with other educators to build and share content to enhance the teaching experience in applied math and finance.

Author: Abby Alcala

### MATH MONDAY: Return on Investment [Investing | Order of Operations]

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Jan 10, 2021
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Math
Return on Investment (ROI) is a percentage that tells you the relationship between how much you spent on an investment and how much you get back from that investment. Calculating these percentages is helpful in seeing whether or not your investment is worth it! In this activity, students will practice calculating ROIs on investment options by practicing order of operations and interpreting percentages. View the MATH Collection: In today’s math activity, students will learn calculate ROI!...

### MATH Monday: Discounts and Composite Functions [Budgeting]

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Jan 03, 2021
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Math
We love saving money on the things we buy!  Discounts can come in many forms but some of the most common are percent discounts and coupons with a set dollar amount.  How these discounts are applied, especially when used in combination with other discounts, will affect the price you ultimately pay for your purchase. View the MATH Collection: In today’s math activity, students will learn how to create composite functions! Check it out in MATH: Discounts and Composite Functions....

### MATH Monday: Compound Interest Pitfalls [Financial Pitfalls]

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Dec 13, 2020
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Math
Compound interest is great...until it isn’t.  The same mathematical principle that helps you build wealth in saving and investing can also work against you when it comes to debt. Understanding the power of compound interest will help you avoid some costly financial pitfalls and have it work in your favor. View the MATH Collection: In today’s math activity, students will learn how to calculate compound interest! Check it out in MATH: Compound Interest Pitfalls....

### MATH Monday: Active vs Passive Funds [Investing]

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Dec 06, 2020
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Math
When deciding between active vs passive funds to invest in, it’s important to consider the possibilities of what your returns will look like for both options after fees. In this activity students will practice order of operations to see the impact of the fees that come with both types of funds! View the MATH Collection: In today’s math activity, students will learn how to calculate the difference between returns for active and passive funds. Check it out in MATH: Active vs...

### MATH Monday: Box and Whisker Plots for Banking Fees [Checking]

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Nov 29, 2020
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Math
People who have checking accounts can be charged fees such as management, minimum balance, overdraft, ATM, and others. In this activity, students will practice plotting sample banking fee charges and analyzing their interquartile ranges.   View the MATH Collection: In today’s math activity, students will learn how to create and analyze box and whisker plots! Check it out in MATH: Box and Whisker Plots for Banking Fees.  Example: Students can use this step-by-step...

### MATH Monday: Making Sense of Percents [Behavioral Finance]

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Nov 22, 2020
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Math
You've probably seen through your own experiences of learning math that people can solve the same problem in multiple ways using their preferred methods and strategies. Similarly, when it comes to making financial decisions, each person considers their own experiences, values, and priorities - hence the term personal finance. In this activity, you will explore various ways to solve percentage problems and reflect on how the variety of approaches relates to personal finance. View the MATH...

### MATH Monday: Exponential Decay in Purchasing Power

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Nov 15, 2020
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Math
Inflation lowers the purchasing power of your money over time.  This means that \$100 today will be able to buy less in the future.  This is an important concept to understand so students can make decisions on where to save or invest their money to outpace inflation.  Inflation rates change year to year but over the long term can be modeled using exponential decay.   View the MATH Collection: In today’s math activity, students will learn how to calculate percent change!...

### MATH Monday: Percent Change in US Household Debt

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Nov 08, 2020
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Math
In order to make informed financial decisions, it is important to have an idea of the big picture. Knowing how much household debt is changing year to year helps you understand trends and allows you to see where your own finances fit into this larger picture. View the MATH Collection: In today’s math activity, students will learn how to calculate percent change! Check it out in MATH: Percent Change in US Household Debt. Example: Students can use this step-by-step example to practice...

### MATH Monday: Using Regression to Analyze Stocks

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Nov 01, 2020
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Math
Many technical analysts use past data from investments to create regression models.  These models can help an investor analyze how the investment has been performing by looking at some of the mathematical elements of the model.  This, along with other research, can help investors decide if an investment is the right fit for them. View the MATH Collection: In this activity, students will learn about how to create linear regression models! Check it out in MATH: Using Regression to...

### MATH Monday: Central Tendency of College Costs

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Oct 26, 2020
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Math
This week on NGPF's MATH Monday, we'll take a look at how to calculate the MEAN, MEDIAN, and MODE with college costs! Educators can brush up their own math skills or use these resources with their students. View the MATH Collection: In this activity, students will learn about how much college expenses can add up and calculate the measures of central tendency for college costs. Check it out in MATH: Central Tendency of College Costs. Formula of the Day: Students can use the...

### MATH Monday: The Cost of Minimum Payments

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Oct 18, 2020
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Math
This week on NGPF's Math Monday, we'll take a look at how dangerous it can be to make only the minimum payments on your credit cards! Brush up your own math skills or use these resources with your students. View the MATH Collection: In this activity, students will learn about the impact of compound interest on credit card balances. By comparing monthly interest costs and credit card balances they will see the downsides of making the minimum payments.  Check it out in MATH: The...

### MATH Monday: The Rule of 72

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Oct 11, 2020
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Math
This week on NGPF's Math Monday, we'll use function notation while simultaneously applying the Rule of 72! Brush up your own math skills or use these resources with your students to teach them the math behind how Federal tax brackets work. View the MATH Collection: First up, students can see a model of how to use function notation to solve a problem involving the Rule of 72. Check it out in MATH: Rule(72)  Formula of the Day: Once students have been introduced to...

### MATH Monday: Time to Register!

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Oct 04, 2020
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Math
This week on NGPF's MATH Monday, we're so excited to announce a brand new round of Virtual Professional Development sessions focused solely on the MATH Collection! These sessions are broken down by resource overview sessions and content deep dive sessions. If you're a teacher who has been meaning to explore the MATH Collection, but you haven't had the time, then join Yanely for "Teaching Remotely: MATH Collection Activities" where she will take you through the new MATH Collection like a tour...

### MATH Monday: Percentages and Income Tax Brackets

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Sep 27, 2020
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Math
This week on NGPF's MATH Monday, we are diving into the PERCENTAGES and income taxes! Brush up your own math skills or use these resources with your students to teach them the math behind how Federal tax brackets work. View the MATH Collection: Have your students practice find how much they owe in taxes and how to calculate percents in the activity MATH: Income Tax Brackets! Formula of the Day: Introduce this formula to students by explaining that this will provide them with how to...

### MATH Monday: Amortization Formula

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Sep 20, 2020
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Math
This week on NGPF's MATH Monday, we are diving into the AMORTIZATION formula. Brush up your own math skills or use these resources with your students to teach them the math behind how amortization works. View the MATH Collection: Have your students practice using the amortization formula in the activity MATH: Auto and Mortgage Monthly Payments! Formula of the Day: Introduce this formula to students by explaining that this will provide them with the payment they must make per pay...