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Yoko Tanokura. Of Poles and Zeros. Level C RS2 begins with review then introduces an Addition Table as a tool for helping children understand relationships between addition facts. It continues with topics such as evens and odds, Roman numerals, trading, adding several two-digit numbers, adding four-digit numbers, arrays, multiplication, area, perimeter, subtraction with two-digit numbers, geometry related concepts e.

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Level D RS2 spends a good deal of time on skills that will be needed as students move into more complex math. For example, they become very familiar with multiplication facts as well as patterns of multiples for each number. Then they begin work on factoring. Division with remainders is taught, but less time than I expected is devoted specifically to division. Other topics covered include fractions, measurement in both the metric and U. Level E RS2 teaches the multiplication of multiple-digit numbers by two-digit numbers, the division of multiple-digit numbers by a single-digit number, and both equivalent and mixed number fractions.

It also covers prime numbers, factors, decimals to the hundredths, and percents. Algebraic concepts are introduced and problem-solving is emphasized throughout the course. For geometry concepts, students study the classification of triangles and polygons, symmetry, reflections, angle measurement, and work with three-dimensional figures. Other topics explored are measurement, elapsed time, distance, capacity problems, and money. This level also teaches students how to use a calculator. However, the calculator is used strategically rather than as a crutch. For example, students learn the order of operations on a calculator, how to show dollars and cents, and how to calculate the cost of diesel fuel.

Three lessons use the calculator for advanced work with prime numbers. Students work with the four basic operations with whole numbers as well as with fractions and decimals. The concept of percentages is taught in relation to both fractions and decimals. Early in the course, students learn about exponents and complex order of operations.

Geometry concepts such as the area and volume of various geometric figures are taught, and students learn to make some geometric constructions. The Cartesian coordinate system is introduced, and students learn to construct lines based on a series of coordinate points. Even at this level, card games are continually used as key tools for practice and review. The first edition of Level G was a single course that took more than a year to complete. With the second edition, that course has been split into two courses that should each be completed in one year: Levels G and H. The publisher's choice to split the first edition of Level G into two courses and to expand explanations and review are all significant improvements.

Levels G and H both focus heavily upon geometry, and the manipulative kit covering both levels is called the Geometry Set.

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While these courses primarily teach geometry, as they do so, students apply and expand upon the range of arithmetic skills and mathematical knowledge they have learned previously. To keep arithmetic skills sharp, students continue to play card games as in the lower levels. Frequent review is built into the lessons. These courses use a discovery approach that I consider very effective for learning geometry.

Throughout the course, students make constructions drawings , compare results, and discover mathematical principles. The Geometry Set uses many items from the manipulative set for the younger levels. The complete Geometry Set includes those two items plus a small drawing board, a T-square, two triangles, a goniometer for measuring angles , a 4-in-1 ruler, geometry panels flat geometric shapes that can be connected to create three-dimensional shapes , the math card decks, and the card deck instruction book.

An optional deluxe drawing board is available. Some lessons have an art flavor, for example, constructing Gothic arches or circle designs. Other lessons have an engineering focus, like creating designs for car wheels. Even some history of mathematics is woven throughout the lessons. For each course, there are three books: Lessons, Worksheets , and Solutions. Students will use the first two books, and the parent or teacher will use the Solutions books as answer keys or to help if a student needs assistance. How to find and consolidate your super Why pay multiple fees on multiple accounts?

By Andy Kollmorgen andykollmorgen. Reunite with your money. Last updated: 03 March In this article, we take a look at: Why you should consolidate your super Why superannuation goes missing Why it's good to choose your own super account — if you're allowed to When is super considered ' lost ' How to consolidate super Why you should consolidate your super Having more than one superannuation account is rarely a good idea, unless you enjoy having a faceless fund manager fritter away your money.

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Super gone missing Another reason to stick with a single fund is that it's easy to lose track of how many super funds you have as you go from job to job. Do I always get to choose my super account? As the ATO points out, you can choose your own super if you are: employed under a federal or state award employed under an award or industrial agreement that doesn't require super contributions not employed under any state award or industrial agreement including contractors who are regarded as eligible employees for super purposes.

When is my super considered lost?

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You super fund will report you to the ATO as a lost member if: they've tried but not been able to contact you they've not received any contributions or rollover amounts for you in the last five years your account was transferred from another fund as a lost member account and no new address has been found. Otherwise your money is still with the super fund. How do I consolidate my super?

The first step is deciding which super fund you want to be your one-and-only fund. The top things to consider are: Which fund offers the type of insurance — generally death and disability insurance and income protection cover — that you need? Don't bail out of a fund that offers insurance you need and might not be able to get elsewhere. Does the fund or funds you want to bid farewell to impose exit fees? If so, they'll likely be offset by consolidating into a single super account with one set of fees, but it's good to know what to expect.

Which fund is the best performer? This is tricky, but the general rule of thumb is to look for the best performance over a five-year timeframe, and bear in mind that most account balances will be affected by major sharemarket upheavals and the like.

Two independent and well-established superannuation rating firms in Australia are Chant West and SuperRatings. Their rating methodologies vary — super is too complicated a product for a one-size-fits-all approach. But you can get a good sense of how your super fund has been performing, generally speaking, by looking at the rankings and the methodology behind them. It's pretty straightforward stuff once you spend some time on the rating websites. Which fund has the lowest fees? High fees don't necessarily mean high performance, though there is sometimes a connection. And, of course, high performance can be offset by high fees.

Ask your designated super fund about its fee structure.