FACEBOOK.COM/FUNFORKIDZ • FUNFORKIDZ.COM
www.hiddenpicturepuzzles.com
by Liz Ball
ruler 2 fish candle popsicle
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soda tepee puppy band-aid
cane crown sailboat caterpillar Answers on page 30
sock heart rabbit 2 coins
cone pencil cardinal piggy bank
4 A Buffalo in Your Piggy Bank 6 Fair Exchange 7 Two-Dollar Bills 8 10 Valuable Facts About Money 10 Dollars - Clean and Dirty 15 Dollars Around the World 18 Making Allowances 20 Coin Collecting 21 Max & Gracie 22 Saving for a Rainy Day 23 Phony Money 29 Cool Ways to Save
Activities:
Puzzles: 2, 16, 17 Cartoons: 12, 26 Magic Trick: 20
Riddles & Rhymes: 24 Science: 25
Puzzle Solutions: 30
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Is There a Buffalo in Your Piggy Bank? by B.G. Hoover • illustrated by Pamela Harden
Have you ever seen an old Buffalo nickel? The Buffalo nickel is also called the Bison nickel or Indian Head nickel. On the “heads” side is a profile of a Native American Indian. On the “tails” side is a buffalo standing on a grassy mound. Each design entirely fills the coin, giving the Buffalo nickel a look of distinction. The Buffalo nickel has been, and remains, one of America’s most admired and collected coins. In 1911, American artist and sculptor James Earle Fraser was hired by the Treasury Secretary of the United States to create the actual design for a new five-cent piece. Mr. Fraser said he wanted to create a “truly American” coin. The buffalo symbolizes strength and unity to Native American Indians, and both images are strong symbols of American heritage. Mr. Fraser said the new design had a “perfect unity of theme.” Have you ever wondered if a buffalo really posed for the image? Or if the Native American Indian was a real person? Both are true. The images on the coin are based on a real buffalo named Black Diamond and the combined features of three real Native American chiefs. The buffalo is actually the image of an American bison. Early settlers had never seen a bison. They called the animal a “buffalo” because it reminded them of buffaloes in other parts of the world. Today the American bison is known by both names. Mr. Fraser was quoted as saying that Chief Two Moon modeled for the forehead and hair, Chief Big Tree, the nose and mouth, and Chief Iron Tail, the chin and throat. “In making that portrait – the face of the magnificent old Indian – Chief Iron Tail was uppermost in my mind,” Mr. Fraser stated.
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The Buffalo nickel was made from 1913 through 1938. Over 1.2 billion Buffalo nickels were minted from 1913 through 1938 at three different mints: Philadelphia, San Francisco, and Denver. A mint is a facility where US coins are made. In 1939, the Buffalo nickel was replaced by the Thomas Jefferson nickel. Have you ever seen a three-legged buffalo on a nickel? The three-legged Buffalo nickel was produced in 1937 in the Denver, Colorado, mint. Dies are the devices used to mold and cast coins. As dies become worn, they become pitted and damaged, and scratches appear on the surface. The solution is to grind down the surface of the die, remove all the damage, and then re-polish the die. After doing this several times, many of the small details in the dies begin to disappear as they are ground and polished away. With the Buffalo nickel, coins produced with that particular die appear to be missing much of one leg. Before the mint’s inspectors discovered the error, most of the coins were put into use. The three-legged Buffalo nickel is probably the most popular mint error ever made. It is a favorite of coin collectors. If you are lucky enough to have a three-legged nickel, it could be worth thousands of dollars! Other Buffalo nickels are worth anywhere from a few dollars to hundreds of dollars, depending on the condition. Start looking for spare change, and see if you can find a buffalo nickel. Good luck with your buffalo hunting!
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by M. Donnaleen Howitt illustrated by Keith R. Neely
“I’d sure like to have an allowance,” Timothy said to his dad. “I’d like to get regular money. It’s something that I’ve never had.” “I’ll give it some thought,” said his father, “Just give me a day, if you please. I’ll have to count up all my money. It just doesn’t grow upon trees!” Timothy tried to be patient Till Dad called him in by his side. “I’ve been thinking about this allowance. I’d like you to help me decide. I’ll ALLOW you to take out the garbage. I’ll ALLOW you to clean up your room. I’ll ALLOW you to help with the dishes. I’ll ALLOW you to sweep with a broom. I’ll ALLOW you to do all your homework. I’ll ALLOW you to exercise Spot. I’ll ALLOW you to do all the dusting. I’ll ALLOW you to do quite a lot!” Timothy twisted his fingers And wondered just what he should say. He didn’t want money so badly that He’d give all his free time away. His dad put his arm on his shoulder, And smiled as he said, “Don’t be blue. I said I’d ALLOW you to do things. There’s nothing you just HAVE to do! “You asked for a weekly allowance. I’m happy to give it to you, But the money you get will depend on The number of chores that you do.”
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Timothy smiled at his father. “Now, Dad, you just wait and see. When I earn an enormous allowance, I’ll ALLOW you to give it to me!”
The $2 Bill
by Erin O’Brien If someone handed you a $2 bill, would you think they were playing a joke on you? Or would you add it to your piggy bank? If you answered, “Add it to your piggy bank,” you would be $2 richer! Some people think the $2 bill isn’t real since they’ve never seen one. But it’s a valid denomination of American currency, just like the $1 or $5 bill. The first $2 bills were printed by the federal government in 1862. The front of the first bills featured a portrait of Alexander Hamilton, the first US Secretary of the Treasury. In 1869, the bill was altered to feature a portrait of Thomas Jefferson, the third President of the United States. The back of the $2 bill once featured Jefferson’s home in Virginia. It currently depicts an image of the signing of the Declaration of Independence. Although production of the $2 bill stopped in 1966, it was restarted in 1976 to celebrate the US Bicentennial, the 200th anniversary of America’s independence.
The $2 bill is still being printed today, but there are fewer $2 bills printed than any other denomination. Since they seem rare, some people choose to save or collect them, which means there are even fewer in circulation. The fact that they’re not as common as other bills is one reason why some people think the $2 bill is counterfeit when they actually do see one! Think about it – when was the last time you saw a $2 bill? If you’ve never seen one, take $2 worth of coins or dollar bills to the bank. Ask the teller to exchange them for a $2 bill. Then you can examine one for yourself, save it, or start a collection of your own. You can even hand it to someone and ask if they think it’s real or fake! Now that you know a little bit about its history, you can educate someone else about the very real, but somewhat rare, $2 bill.
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Dollar Details Clean & Dirty by Doris Fisher Have you ever opened a birthday card and found a new dollar bill tucked inside? What a wonderful surprise! New money looks clean and crisp. It feels like it has been starched and ironed. MAKING DOLLARS Since 1862, paper currency for the United States has been made in Washington, D.C., at the Bureau of Engraving and Printing. The Bureau is part of the US Treasury Department. All dollars are printed on special paper-like fabric. It is made of one-fourth linen and three-fourths cotton. Red and blue threads are evenly distributed in the paper. The ink used for printing is made from a secret formula. This process makes dollars difficult to copy. Imagine holding one huge sheet of thirty-two $20 bills worth $640! No matter what the value is, thirty-two paper dollars are printed together. After close inspection by machines and people, the bills are then cut into individual dollars. DOLLAR ILLUSTRATIONS
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By law, dollar bills can only be illustrated in black and white. Also, a dollar drawn on paper must be smaller than three-quarters
the size of a real dollar, or one and one-half times larger than a real dollar. People pictured on American money are no longer living. Can you name the person on the front of the $1, $5, $10, or $20 bill? ANSWERS: $1 – George Washington $5 – Abraham Lincoln $10 – Alexander Hamilton $20 – Andrew Jackson DISTRIBUTING NEW DOLLARS From the Bureau of Engraving and Printing, new money is shipped in large armored trucks to a Federal Reserve Bank. There are twelve Federal Reserve Banks located throughout the US. Banks in cities and neighborhoods receive new money from one of them. New dollar bills look great, but can they fool you. They stick together and are hard to separate. Bank tellers mix older bills with the new dollars. A bank teller never wants to give customers too much money! When a customer cashes a check, new bills are handed out along with older ones.
WHEN GOOD DOLLARS GO BAD Eventually, after being passed from person to person, dollars no longer look new. Everyone has natural oils on their hands. It rubs onto the paper. When bills are folded in wallets and pockets, creases start to appear. The more dollars are touched and used, the older they look. Although it is illegal, people sometimes write or draw on money. You can find names, artwork, scribbling, and even messages using rubber stamps on bills. This ruins the paper surface of the dollar. Also, bills might tear after too much handling. Any worn dollar can be taken to a bank and replaced as long as more than one-half of the original bill is left. Bank tellers also sort through all the dollars deposited by customers and businesses. Old, torn, or dirty dollars are sent back to a Federal Reserve Bank and traded for new ones. If dollars are severely damaged by fire, water, chemicals, or animals, the bills can be delivered to the Bureau to be replaced. Natural disaster such as floods and forest fires also ruin paper money. The Bureau works like detectives and uses magnifying glasses, microscopes, and metal tools to examine the amount of money harmed. The money is then replaced. Among the most unusual cases of damaged bills delivered to the Bureau were dollars eaten by a cow, bills buried under an outhouse, and a stash of cash saved and sealed inside a wall for many years. These bills had matted together into bricks. Damaged bills are cut into strips, like confetti, by large shredding machines at the Bureau. You can actually buy these dollar remnants! Strips for sale are packaged in clear bags or plastic bottles. Pieces of shredded currency are also visible in clear ballpoint pens for sale. However, most shredded money is shipped to landfills. CLEAN CASH How do you keep a brand new birthday bill from becoming a dirty, damaged dollar? SAVE IT!
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Family Treasures Meet the Carters. They live in a small town called Medville. In this episode, Jerry learns that money isn’t everything in:
“He Learned to Barter” by Mary L. Templet illustrated by Andrew Wales
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continued...
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The Dollar Around the World nt
Im age
by Donna Jennings • illustrated by Catherine Straus
U ni
e ted Stat
i sM
What are you talking about if you say peso in Mexico, franc in Switzerland, ruble in Russia, or yen in Japan? You’re talking about currency, or what kind of bills or coins the country uses as money. What you may not know is that the word “dollar,” used in the United States, is also used in several countries around the world. Other countries have dollar bills and coins, even though they come in different sizes, colors, and shapes. Let’s take a dollar trip around the world! First, let’s pass through the United States. Here, we have the familiar US dollar bill, but there is also a dollar coin. It was introduced in the year 2000. This coin has a gold color and has an image of Sacagawea on it. She was the daughter of a Shoshone Indian chief and was an important part of the Lewis and Clark Expedition in 1804. Traveling north to Canada, you can find the “loonie” one-dollar coin. It’s called a loonie because it has an image of a loon, a North American waterfowl, on it. Queen Elizabeth II is featured on the other side. This coin was Introduced in Canada in 1989, and it replaced the dollar bill. The Canadian dollar is usually worth less than 100 US cents. So you won’t get 100 US cents in exchange for a Canadian dollar. Stopping in Asia on our currency trip, we find a coin dollar being used in Hong Kong and Singapore. If you visit Hong Kong, there are places in hotels and large stores which easily exchange US dollars for Hong Kong dollars. There may be a cost (called commission) for changing money. So an Asian dollar may cost more than 100 US cents after it’s exchanged. Down Under in Australia and New Zealand, the dollar is also in use. In fact, Australia only uses a one-dollar coin, and New Zealand stopped using one-dollar bills in 1991. These two countries are so close together, that dollars from Australia can be found in New Zealand and are used like a regular New Zealand dollar. New Zealand doesn’t have a penny, so a dollar really isn’t 100 cents there. There is a good chance you will come across dollars used as currency if you travel worldwide. One thing to remember is that the value of money varies. Even though we know that a dollar is 100 cents at home, a dollar may not equal 100 cents if you’re visiting another country.
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Money Funnies
1. Why was the duck rich? 2 5 3 1 15 13 5 13 6 5 6 1 4 1 14 6 10 15 13 1 9 4 - 4 10 8 8 1 12 2 7 8 8 .
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by Guy Belleranti
11 = P
2=B
7=I
12 = R
3=C
8=L
13 = S
4=D
9=N
14 = T
5=E
10 = 0
15 = U
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13 10 6 5 6 1 4 1 11 8 1 3 5 14 10 11 15 14 6 7 13 13 3 5 9 14 13 .
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Answers on page 30
Dollars and Cents Puzzle by Guy Belleranti
Noah, Alex, Emily, and Sierra counted their dollars and cents. Here is what each of them had: Noah
Alex
Emily
Sierra
2 dollar bills
1 dollar bill
1 dollar bill
2 dollar bills
2 quarters
7 quarters
6 quarters
3 quarters
6 dimes
2 dimes
4 dimes
3 dimes
1 nickel
3 nickels
5 nickels
1 nickel
5 pennies
5 pennies
Can you answer these questions? 1. Who has the most money, and how much does he or she have? 2. Who has the least money, and how much does he or she have? 3. Are you surprised by the answers? Answers on page 30
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2. Why did the skunk want a piggy bank?
MONEY BOX 6=H
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Can you answer the money funnies? Use the MONEY BOX as your decoder.
1=A
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Savings Sudoku
Dollars & Cents Word Search
by Evelyn B. Christensen
One of the best ways you can be a wise user of your money is to regularly set aside some of all the money you receive and save it.
by Gertrude Knabbe Look forward, backward, up, down, and diagonally to find the following words in capital letters. After all the words are found, the letters remaining will spell something relating to dollars and cents. ADVISE ASSET ATM’S BANK ACCOUNT BANKRUPTCY CAPITAL CASH CHECK COINS CONTRACT CREDIT DEBTS
D E P O S T
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DEPOSIT DIVIDEND ESCROW FRAUD FUNDS GOAL GROSS GUARDIAN INFLATION INTEREST INVESTMENT
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Fill in the squares so that each row, column, and 7-square section has the letters S-A-V-I-N-G-S (2 S’s in each).
D E R C
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T O N N G S
F
U T
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E A C
U N R U E
S E G H D S M O O S U A
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T R C V N E C E N M T R T
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T C N R Y
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E S A E A F O D O A R T S K
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L U
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V S A
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B N V
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A T
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A B
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Y D U C A T
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L O N
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PROBLEM 1
Find nine coin combinations to total 20 cents. Here are two of the combinations to get you started: 10 pennies + 1 dime = 20 cents 5 pennies + 3 nickels = 20 cents Now you try to find 7 more.
S K
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See if you can solve these three coin combination problems!
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E E D E B T S I
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S G
by Guy Belleranti
O W R A U N
T G R O S S R
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Coin Combinations
R O
E R O E A D S G E E
N
Answers on page 30
S S N H S A C N N C O N C L A A
S S A
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M B A N K R U P T C Y N S A C E
A
N S
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A S
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R N V
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LIABILITY LIEN LOAN NET NOTE RISK RETURN SAVE SECURITIES TAX TRUSTEE
PROBLEM 2
P A C
Find 13 coin combinations to total 25 cents.
PROBLEM 3
E S T M E N T
Find 18 coin combinations to total 30 cents.
Answer:
Answers on page 30
’ . Answers on page 30
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by Heather Klassen illustrated by Dwane Cude
“Oh, no,” Wyatt groaned as he saw the mess in the family room. Pieces of his project were scattered across the floor. Some of the pieces even looked broken. “Lily got into the space station I’ve been working on and ruined it!” Dad looked up from his computer. “I’m sorry, Wyatt. She must have gotten into it when I went into the kitchen for a few minutes to get her a snack. It’s impossible for me to watch her every second while I’m working. I’m so sorry, but you know you need to make allowances for her – after all, she’s only two.” Wyatt watched his little sister, now playing quietly in the corner with her teddy bears. I’m tired of always having to ‘make allowances’ for her, he thought. I have to put up with her wrecking my stuff just because she’s a little kid. I sure can’t get away with anything like that. “I’m going outside,” Wyatt decided. With his space station ruined, he didn’t feel like doing anything inside, anyway. Wyatt sat down on the front step and watched a neighbor walk by with her dog. A few minutes later, Carlos rode up on his bike and stopped on the sidewalk in front of Wyatt’s house. “Hey, Wyatt, come look at this,” Carlos called, straddling his bike. Wyatt jumped up and ran over, crossing the yard quickly. “I just bought this speedometer for my bike,” Carlos said, pointing to the new device mounted on his handlebars. “That’s awesome,” Wyatt said, admiring Carlos’s cool new speedometer. “I’d love to have one for my bike. Did your parents pay for it?” “No,” Carlos replied. “I saved up my allowance and bought it myself.” “You get an allowance?” Wyatt asked. “What do you have to do for it? Chores and jobs around your house?” “It doesn’t exactly work that way in my family,” Carlos explained. “My parents give me money each week just because I’m a member of the family, and I do things to help out just because I’m a member of the family too. I wash dishes and help with the garden, weeding, and watering. I do stuff that takes some of the load off my parents. They’re really busy with work and everything.”
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but Lily’s always asking you to play with her. Maybe I could play with Lily so you could work.” “That’s a great idea, Wyatt,” Dad agreed. “Would you really be willing to play with her?” Wyatt looked at his little sister. I love Lily, he thought, even if she wrecks my stuff. But maybe the problem is that I hardly ever do what she wants to do. Maybe what she wants is to play with me. Maybe then she’d be happier, and then we’d all be happier too. “Yes,” Wyatt decided. “I’ll color with her and do puzzles – all that little kid stuff. Then you can work, and she’ll be happy.” “And you’ll get an allowance,” Dad added. “That sounds like a great deal for everyone.” “Come on, Lily,” Wyatt said, holding out his hand. “Let’s go color.”
Wyatt nodded. That sounds like a good system, he thought. I’d like some of my own money to spend, too, instead of always having to ask Mom and Dad to buy stuff for me.
Lily ran to Wyatt and grabbed his hand, smiling up at him. Wyatt smiled back. Making allowances for Lily – playing with her at her level – and making an allowance at the same time is going to be awesome, he decided.
“I’ll have to talk to Dad about this idea,” Wyatt said. “But what can I do to help out? “My parents have a yard service for our yard. I’d wash the dishes, but Mom always claims it relaxes her to do them. And I don’t think I really want to clean the house. Maybe I can think of something else to do to help my family out.” “I have to go,” Carlos said. “See you.” He pushed down on his pedals and took off down the street. After Carlos left, Wyatt headed back inside. As he stepped into the family room, he saw his dad trying to get Lily out of his files. “Here, Lily, why don’t you go color,” Dad suggested, holding out crayons. Lily shook her head. “No want to,” she insisted. “Want to play.” “Dad,” Wyatt said. “I have an idea. I’d like to get an allowance, so I know I should help out around here. And you need to get your work done,
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Coin Collecting
United States
ag m tI n i M
es
by Christine Collier
Have you ever thought of starting your own coin collection? Proof and mint sets are a good way to begin, perhaps with coins made in your birth year. Proof sets are coins that have been specially made with polished surfaces. Mint sets contain coins that are brand new and have never been circulated. If you want to collect state quarters, there are many kinds of folders you can use with slots to hold the quarters. Each quarter’s reverse side celebrates one of the 50 states with a design honoring its unique history and symbols. What images are on your state quarter?
A good way to start your coin collection is to get coins from the bank. Ask your parents to bring home rolls of pennies, or whatever coin you are collecting, in paper wrappers. Search through the coins to find what you want. Then fill up the wrappers again, replacing the coins you used for your collection. Take the filled wrappers back to the bank, and exchange them for other rolls of coins. You can buy Whitman coin folders in many stores. Start with a penny folder for the years that are closer to present time so the pennies will be easier to find in loose change. Think how happy you’ll be when you fill in that last penny to complete your folder!
Coins are often used in magic tricks. After some practice, try this one on your friends!
The Mysterious Vanishing Coin Stand behind a table. Show your friends a coin, and tell them you will make it disappear. Bend your arm, and rub the coin into your arm near your elbow. “Accidently” drop the coin on the table. Pick it up with the OPPOSITE hand of the one you were using, and PRETEND to quickly put the coin in the other hand. (The coin is still in the hand you picked it up with, but don’t let anyone see it!) With the now-empty hand, continue to rub the “coin” into your elbow. Meanwhile, move the hand that is really holding the coin closer to your ear and shirt collar. Talk to your audience about the way you are rubbing your elbow to distract them, then drop the coin down your collar. Show everyone that the coin has vanished and that both of your hands are empty!
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Bluffton, Ohio 10:14 AM Want-to-dance-on-the-tip-of-yourtoes-it’s-so-beautiful! Max and Gracie and their owners, Linda, Craig, and their seven-year-old son, Ed, are driving the back roads of America. Perhaps you have seen Max and Gracie with their heads out the window. If not, here is a letter describing their most recent adventure.
“Just in ed it with water, snacks, and money. load and me to ck kpa bac the d ene Linda fast case,” she said. In case? In case of what? would we snacks on our hike, but money? Where I can understand bringing water and ldn’t be cou t Dir ds? Trees don’t care about money. spend money in the middle of the woo d attracte to a in your pocket. Sure, birds might be ars doll lion mil a had you if ered both ror in their nest, right? shiny coin, but only to use it as a mir care about money. It seems people are the only ones who rolling down a branch, eat grass, get a massage by on w gna ly glad ll we’ ld, wor ’s dog a In to do and all day’s sun on our backs. All fun things a grassy hill, or gather heat from the things money can’t buy. over bushes, ches, throw rocks in the water, jump bran l hur ds, woo the in run to fun It’s moon, and can greet the day, say “hello” to the or pick a bouquet of wild flowers. You sures, pluck an if you want. You can find hidden trea carry on a conversation with a worm, at work, and hop like a rabbit. apple from a tree, watch ant colonies ! All things you can do outside! All Free enjoying headed outside to spend the entire day Yes, today Ed, Linda, Gracie, and I are re. the best playground in the world: natu No money needed!
Max
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by John Scanlan • illustrated by Rebecca Spohn
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Beneath the Pick Up Here sign, a teenage boy in a goofy hat stepped up to the counter. He asked, “OK, who had mint chocolate chip in a small cone? Here you go. Who ordered the vanilla dip-top in a medium cone?” As the teen in the goofy hat slid Christopher’s order across the counter to him, William watched, and his eyebrows went up. “Who ordered the large ice cream cone with sprinkles?” “That’s me,” Olivia stated. The teenager slid Olivia’s ice cream across the counter to her. The threesome walked away with their cones. “Hey, Chris,” William began, “I have a question for you. How can you buy a medium dip-top cone when your allowance is the same as mine?” “Easy,” Christopher replied. “Every week, when I get my allowance, I skim the same small amount off the top and save it in my piggy bank.” “Well, isn’t that hard to do?” “Not really,” Christopher replied, shaking his head. “After a while, you don’t even notice. So my money adds up really fast.” William turned his head to Olivia, asking, “Well, what about you? How can you buy a large cone with sprinkles?” “Yeah, Olivia,” Christopher said. “Do you save a little money every week like I do?” “Yep,” Olivia returned, “but I save it in a different manner. Instead of putting that money into a piggy bank,” Olivia explained, “I put it into a real bank that pays me interest. I give my extra money to the bank, and they put it into a savings account. Then the bank uses my money, and other people’s money, to give out loans to others. As a way of saying ‘Thank you’ for letting them use my money,” she continued, “the bank puts more money into my savings account. That money is called interest. Over time, that interest compounds, or grows, so that I get even more money. That compounded money in my savings account adds up way faster than money in a piggy bank.” A momentary silence hung over the group. “OK, so let me get this straight,” William pleaded. “This thing called interest,” he began, “is where the bank pays you money to use your money.” “Yep,” Olivia replied with a smile. “Hmmm . . . interest,” William stated, scratching his chin. “What a concept.” Christopher asked, “Then it’s best to save money at a bank?” “Yep,” Olivia repeated. “Hmmm . . . savings accounts,” Christopher mumbled. “Savings accounts and interest will both help you save for a rainy day,” Olivia summarized, “or a large cone with sprinkles.”
PHONY MONEY by Jackie Myers
A customer hands the cashier a twenty dollar bill. The cashier holds it up to the light, looks for the security thread, and then places the bill in the drawer. It’s real. But did you know that some money is not? This is called counterfeit money. In order to spot phony money, you need to know what real money should look like. Choose a bill, put it in front of you, and follow along.
microprint
First, if your bill is $5 or more, check for a security thread. It runs vertically on the left or right side, depending on the denomination. If you look closely at the thread, you will see the letters USA and how much the bill is worth. For example: USA FIVE USA FIVE USA FIVE, over and over again. This is called microprint, meaning very small print. It’s the same for the $10 bill and the $20 bill. Larger bills, like $50, will use the numeral instead of spelling out the word. Bills printed before 1990 won’t have a thread. Next, notice the seal. It has edges that are called saw-tooth points. These points should be sharp and clear. On counterfeit bills they are usually broken or uneven. Now, look at the border. Are the fine lines clear and complete or blurry and incomplete? They should be clear and complete. Look on the right side of the bill. Do you see the serial numbers? They should be evenly spaced and the same color as the treasury seal. Finally, study the president’s picture. It should seem realistic and stand out from the background instead of being lifeless and flat. Making or spending counterfeit money is against the law. It’s unlikely you’ll ever have a phony bill, but if you do, turn it over to a police officer or a US Secret Service special agent.
unbroken lines
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I Got Him, Hooray! by Karyn Mazo
Money Riddles by Karin Lynn Kandur 1. What did the quarter do for a living? He coined phrases. 2. Why was the checkbook sad? because his days were numbered 3. What did the dime say to the nickel? I’ll give you a penny for your thoughts. 4. Why did the teacher make the dollar bill stand in the corner? She didn’t put up with any non-cents. 5. Why did the baker take out a loan? He needed more dough. 6. What did the calculator say to the student? You can count on me. 7. Where does a farmer keep his money? in a piggy bank 8. Why did the ducks open a bank account? because they had so many bills 9. Why did the man think his checks were made of rubber? because they always bounced 10. Why did the banker quit her job? She was afraid of change.
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Brothers! Oh, brother, is mine a creep. He thinks he’s cool. He thinks he’s slick, Always up to number tricks (on my allowance day). “Pick a number, any number,” brags he. “Add 5 to it. Now double it up. Subtract 4, divide by 2. Then take your secret number away. I bet two-fifty your answer is 3.” Well, as usual, I had to agree. But “Double or nothing!” is what I cried. “Now you pick a number, any number, just keep it a secret from me. Add 3, multiply by 2, add 4 to that, and divide by 2. Take your mystery number away, and you’re left with what you owe me. Five dollars, please!”
Dollars and Sense by John Thomas Waite
If money made the world go ‘round, The way that people say, Then people with a lot of bucks Would get a longer day. But no clock has a dollar sign, And all the hours strike. The sun will rise. The sun will set For rich and poor alike. So whether you have little cash Or gold in large amounts, Remember that what’s in your heart Is all that really counts.
If you guess 10 drops of water will fit on a penny, you are wrong. If you guess 20, you are wrong. If you guess 30 . . .? How many drops of water can YOU fit on a penny?
Experiment and Find Out! 1. Put a paper towel on the table. 2. Set a CLEAN penny on the towel. Don’t wash it with soap, though! 3. Use a medicine dropper to drip drops, one at a time, onto the penny. Count the drops. As you add drops, the water will gather together and form one large “glob” of water. As drops are added, the glob grows larger and larger. Even when the glob covers the entire surface of the penny, the water just bulges upward and does not run off because it is held together by surface tension.
Surface Tension Water has an invisible “skin,” which acts like a sheet of rubber. Water bugs can scoot about on the surface of a pond because they are held up by surface tension. When a raindrop falls, it is round because of the surface tension – just as a balloon is round because of the rubber surrounding the air inside. As drops of water are added to the penny in this experiment, the surface tension surrounds and holds the water inside the glob. Finally, the surface tension will no longer be able to withstand the weight of the water. The glob of water will break. The water will then run off the penny. This is why you put the towel underneath! Wipe the penny dry and try again, more carefully. How many drops can you fit? NOTE: Dirt, oil, and soap all weaken or destroy surface tension. WIPE your penny clean and dry. DO NOT wash it with soap! The number of drops you fit on a penny will depend on how clean the penny is, how steady your hand is, and how carefully you place the drops.
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It was Friday the 13th. Unlucky Friday. Billy wasn’t sure he should get out of bed.
Don’t worry about Friday the 13th. It’s just like any other day.
His brother Hank and friend Tim offered to sell him a lucky penny.
by Pam Zollman illustrated by Deborah Johnson
It’s the only way to ward off bad luck.
You can have it for a dollar.
A gypsy at a carnival kissed it.
Tim covered his mouth to hide his amusement.
What makes it lucky?
Billy thought about it and gave Tim a dollar.
When he left his brother’s room, he heard them laughing. Did they trick me?
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He put the penny in his pocket, deciding to be alert for any luck, good or bad.
When he went outside, Hank and Tim watched him from the window. Billy didn’t care.
On the way to his friend’s house, he jumped over cracks in the sidewalk and stumbled and fell.
There beside his knee was a shiny quarter. He wouldn’t have seen it if he hadn’t tripped.
Billy found it and a piece missing from an older game, so his friend gave him the older game.
On the way home, Billy saw a cat stuck up in a tree.
As he walked home, Billy thought about his good luck.
Did his lucky penny do it? Or was it because he was looking for luck, good or bad?
He held the quarter up so Hank and Tim could see it.
That cat needed help. He felt sorry for it and got it down.
Later at home, he showed Hank and Tim how lucky his penny had been.
Later, at friend’s house . . . We’ve lost a game piece!
It was Mrs. Greenville’s cat. She gave Billy a plate of brownies for rescuing her cat.
Their eyes widened. They stared at each other as their mouths hung open.
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I’ll give you your dollar back for that lucky penny.
I’ll give you three dollars for it.
I’ll give you two dollars for it!
Billy thought for a moment.
After Billy left the room . . . OK!
He had a shiny quarter, three dollars, a game, and brownies. He really had been lucky.
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So, do you still believe in luck?
I don’t think so.
Maybe a gypsy really did kiss it!
Luck is what you make of it.
Would you like a brownie?
Billy was laughing this time.
by Cindy Which is easier, spending money or saving it? If you think spending is easier, you’re not alone. But whether it’s birthday money, your allowance, or money earned from a summer job, saving a little money here and there really adds up over time. Here are some cool ways to help you save.
Overcast Another option is to open a savings account at a bank or credit union. Sometimes a minimum deposit is required, but it is often as little as one to five dollars. If you want to save for a more expensive item, this might be a better choice. It will keep your money out of sight until you reach your goal. You’ll The first step is keeping track of your money. No need the help of a parent or guardian to open an fancy equipment is needed. Any lined notebook will account. do. Begin by writing the date and the total amount Another cool way to save is to become a smart of money you have at the moment. Every time you shopper. Before buying an item, check the Internet receive or spend any money, you’ll move to the next or your local sales ads to compare prices in several line on the page and make note of the date, how stores. Coupons are a great way to get an item for much, and where you got it from or spent it. Then less than the regular price. Check to see if the item you’ll add or subtract it from your old total to find you want will be going on sale soon. Sometimes your new total. It’s pretty easy once you get the waiting for a sale price can save you big bucks. hang of it. With a little planning and some practice, saving Now you’re ready to try saving for an item you’d like to buy. Keep it simple, and choose something inexpensive as your first savings goal. Where do you put the money you are saving? One easy option is a money jar. This can be made from a recycled plastic or glass jar. A clear jar will let you see your money as it grows. You might even put a picture of your chosen item on the front of the jar as a reminder of your goal.
money can become just as easy as spending it. Do it often enough, and it soon becomes a habit. Give it a try! Watch your coins turn into cash, and see for yourself how saving money can really pay.
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Picture Puzzle on page 2
Coin Combinations on page 17 PROBLEM 1: 3. 20 pennies 4. 15 pennies, 1 nickel 5. 10 pennies, 2 nickels 6. 10 pennies, 1 dime 7. 5 pennies, 1 nickel, 1 dime 8. 4 nickels 9. 1 dime, 2 nickels
PROBLEM 3:
PROBLEM 2: 1. 1 quarter 2. 25 pennies 3. 5 nickels 4. 2 dimes, 1 nickels 5. 2 dimes, 5 pennies 6. 1 dime, 3 nickels 7. 1 dime, 2 nickels, 5 pennies 8. 1 dime, 15 pennies 9. 1 dime, 1 nickel, 10 pennies 10. 4 nickels, 5 pennies 11. 3 nickels, 10 pennies 12. 2 nickels, 15 pennies 13. 1 nickel, 20 pennies
7. 2 dimes, 10 pennies
1. 1 quarter, 1 nickel 2. 1 quarter, 5 pennies 3. 3 dimes 4. 6 nickels 5. 30 pennies 6. 2 dimes, 2 nickels 8. 2 dimes, 1 nickel, 5 pennies 9. 1 dime, 4 nickels 10. 1 dime, 3 nickels, 5 pennies 11. 1 dime, 2 nickels, 10 pennies 12. 1 dime, 1 nickel, 15 pennies 13. 1 dime, 20 pennies by E.C. Ball
14. 5 nickels, 5 pennies 15. 4 nickels, 10 pennies 16. 3 nickels, 15 pennies 17. 2 nickels, 20 pennies 18. 1 nickel, 25 pennies
Money Funnies on page 16
Dollars and Cents Word Search on page 17 D
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Answer: I’M SAVING MONEY
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FOR COLLEGE EDUCATION.
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Dollars and Cents Puzzle on page 16 Noah, Alex, Emily, and Sierra all have the SAME amount of money: $3.15. This means they ALL have the most money, and they ALL have the least money.
Savings Sudoku on page 17
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Photo Credits: CCF Numismatics [Public domain or CC BY-SA 3.0], via Wikimedia Commons 5 (coins); Norm Andreiw (Own work) [GFDL or CC BY 3.0], via Wikimedia Commons 5 (bison); Tim Evanson [CC BY-SA 2.0], via Wikimedia Commons 10; Bureau of Engraving and Printing 11; United States coin images from the United States Mint 15 (US dollar coin), 20 (Quarter-dollar images); WikiHow 23.
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