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All All About About MoneyMoneyby Sky Anthony|xHSKBPDy502453zv*:+:!:+:!ISBN-13:978-0-15-350245-3ISBN-10:0-15-350245-2 GRADE 4Lesson 23WORD COUNT928GENREExpository Nonfi ctionLEVELELLHarcourt LeveledReaders Online Database RXENL08ARD4E23_ELL_COV.indd 2-3RXENL08ARD4E23_ELL_COV.indd 2-311/17/06 1:37:27 PM11/17/06 1:37:27 PMCover,Corbis;p.3,Mary Evans Picture Library/The Image Works;p.4,(tl)PhotoDisc,(bl)Aldo Tutino/Art Resource,NY,(br)(tr)Erich Lessing/Art Resource,NY;p.5,(bc)HIP/Art Resource,NY,(tl)iStock Photo,(tr)Harcourt;p.6,AP Photo/Brad C.Bower;p.7,U.S.Mint;p.8,AP Photo/Doug Mills;p.9,Bureau of Engraving and Printing;p.10,North Wind Picture Archives/Alamy;p.11,Corbis/PunchStock;p.12,Henley&Savage/CORBIS;p.13,Jim Cummins/Taxi/Getty Images;p.14,PhotoDisc/PunchStock.Copyright by Harcourt,Inc.All rights reserved.No part of this publication may be reproduced or transmitted in any form or by any means,electronic or mechanical,including photocopy,recording,or any information storage and retrieval system,without permission in writing from the publisher.Requests for permission to make copies of any part of the work should be addressed to School Permissions and Copyrights,Harcourt,Inc.,6277 Sea Harbor Drive,Orlando,Florida 32887-6777.Fax:407-345-2418.HARCOURT and the Harcourt Logo are trademarks of Harcourt,Inc.,registered in the United States of America and/or other jurisdictions.Printed in ChinaISBN 10:0-15-350245-2ISBN 13:978-0-15-350245-3Ordering OptionsISBN 10:0-15-349939-7(Grade 4 ELL Collection)ISBN 13:978-0-15-349939-5(Grade 4 ELL Collection)ISBN 10:0-15-357293-0(package of 5)ISBN 13:978-0-15-357293-7(package of 5)If you have received these materials as examination copies free of charge,Harcourt School Publishers retains title to the materials and they may not be resold.Resale of examination copies is strictly prohibited and is illegal.Possession of this publication in print format does not entitle users to convert this publication,or any portion of it,into electronic format.1 2 3 4 5 6 7 8 9 10 985 12 11 10 09 08 07 06by Sky AnthonyAll All About About MoneyMoneyRXENL08ARD4E23_ELL.indd 1RXENL08ARD4E23_ELL.indd 111/17/06 1:42:46 PM11/17/06 1:42:46 PMRXENL08ARD4E23_ELL.indd 2RXENL08ARD4E23_ELL.indd 211/17/06 1:43:10 PM11/17/06 1:43:10 PM A long time ago there was no money.People traded for what they needed.A baker might trade some bread or wheat for a pot to use for cooking.People traded animals,too.A farmer might trade some grain for a cow.3RXENL08ARD4E23_ELL.indd 3RXENL08ARD4E23_ELL.indd 311/17/06 1:43:51 PM11/17/06 1:43:51 PM People began to make coins from metal.The fi rst coins were made in China about 3,000 years ago.The coins looked like shells.Later,in Europe,people made coins from gold or silver.The fi rst metal coins looked like lumps.Then,coins became round and fl at like the coins we use today.People stamped pictures of kings or rulers on the coins.Cows and CropsShellsMetal CoinsGold and Silver Coins9000 B.C.1200 B.C.1000 B.C.700 B.C.History of Money4RXENL08ARD4E23_ELL.indd 4RXENL08ARD4E23_ELL.indd 411/17/06 1:44:12 PM11/17/06 1:44:12 PM People used coins to buy what they needed for years.Then people decided that all those coins were too heavy to carry around,so people began to make money out of paper.The fi rst paper money was used in China about 1,200 years ago.People in Europe and America began to use paper money a few years later.Each country makes its own coins and paper money.Not just anyone can make money.A countrys government makes money.Paper money is printed,and coins are made out of metal.Paper MoneyBanksATMs800 A.D.TODAY5RXENL08ARD4E23_ELL.indd 5RXENL08ARD4E23_ELL.indd 511/17/06 1:44:32 PM11/17/06 1:44:32 PM In the United States,coins are made at a place called the United States Mint.At the mint,large strips of fl at metal are cut into round circles.The pictures and words on the coins are stamped with a heavy machine.Coins have had many different kinds of stamps on them over the years.Today,coins are often stamped with the faces of American presidents.6RXENL08ARD4E23_ELL.indd 6RXENL08ARD4E23_ELL.indd 611/17/06 1:45:03 PM11/17/06 1:45:03 PMnickeldime The coin that has the least value in the United States is the penny.It is worth 1 cent.The penny has a picture of President Abraham Lincoln on it.A nickel is worth 5 cents.The nickel has the face of President Thomas Jefferson on it.The dime is worth 10 cents.If you look at a dime,you will see the face of President Franklin D.Roosevelt.The quarter,stamped with a picture of George Washington,is worth 25 cents.A half-dollar,worth 50 cents,has the face of President John F.Kennedy.Coins that are worth one dollar have been made,too.Today,the one-dollar coin has the face of Sacagawea,a famous Native American woman.half-dollarpennyquarter7RXENL08ARD4E23_ELL.indd 7RXENL08ARD4E23_ELL.indd 711/17/06 1:45:27 PM11/17/06 1:45:27 PM Paper money is printed at a place called the Bureau of Printing and Engraving.This large building is found in our nations capital,Washington,D.C.First,the money is printed on big sheets of paper.Then,a special machine cuts the paper into small sizes that will fi t into your wallet.These pieces of paper are called dollar bills.They have the faces of United States presidents printed on them.Dollars have the year that they were printed on them,too.8RXENL08ARD4E23_ELL.indd 8RXENL08ARD4E23_ELL.indd 811/17/06 1:45:53 PM11/17/06 1:45:53 PM Paper money comes in different values just like coins do.The bills are marked in dollar values that tell what the bills are worth.A one-dollar bill is worth 100 pennies.You can also trade one dollar for 20 nickels,10 dimes,or 4 quarters.Paper money also comes in twos,fi ves,tens,twenties,and fi fties.The largest bill today is worth 100 dollars.$1$5$20$2$10$50$1009RXENL08ARD4E23_ELL.indd 9RXENL08ARD4E23_ELL.indd 911/17/06 1:46:37 PM11/17/06 1:46:37 PM People needed a place to put their money.The fi rst bank in America opened in 1791.The bank was in Philadelphia,Pennsylvania.At that time,Philadelphia was the nations capital.Soon many banks began to open all over America.10RXENL08ARD4E23_ELL.indd 10RXENL08ARD4E23_ELL.indd 1011/17/06 1:46:54 PM11/17/06 1:46:54 PM A bank is a safe place where people can keep their money.First,a person must open a savings account.Then,that person can deposit,or put money into,the account.A person can also withdraw,or take out,money from the account.The person can only take as much money out of the account as the person has put into it.Today people often choose to do all their banking by machine,or ATM.11RXENL08ARD4E23_ELL.indd 11RXENL08ARD4E23_ELL.indd 1111/17/06 1:47:18 PM11/17/06 1:47:18 PM A person can also choose to go into the bank to deposit to and withdraw money from his or her account.A bank teller helps a person do these things.A bank teller adds the money a person deposits to the account.The teller subtracts the money a person withdraws from the account.A bank has a lot of money on hand.Some has been deposited by people.Some has been delivered to the bank in an armored car so that the bank has enough money every day.In the bank is a room with a steel door.This room is called the vault.It is where the money is kept.At the end of the day,the vault door is closed and locked.The money is safely locked away for the night!A bank vault12RXENL08ARD4E23_ELL.indd 12RXENL08ARD4E23_ELL.indd 1211/17/06 1:47:48 PM11/17/06 1:47:48 PM A real bank is not like a piggy bank.The money you deposit into a bank does not go into a container with your name on it.You do not take the same money out of the bank that you deposited into your account.Everyones money is kept together at a bank.The bank keeps track of how much money people have in their accounts on computers.The bank teller looks at the computer and can tell how much money you have in your account.13RXENL08ARD4E23_ELL.indd 13RXENL08ARD4E23_ELL.indd 1311/17/06 1:48:12 PM11/17/06 1:48:12 PM Today you need money to do almost anything.Some people save their money in banks.Others save money in piggy banks.Lots of people spend money,too.People need to earn money before they spend it.People earn money by doing jobs.Every day in the United States,billions of dollars are earned and spent.One billion dollars is written like this:$1,000,000,000.00.That sure is a lot of money!14RXENL08ARD4E23_ELL.indd 14RXENL08ARD4E23_ELL.indd 1411/17/06 1:48:37 PM11/17/06 1:48:37 PMTo the TeacherScaffolded Language DevelopmentTRANSITION WORDS Point out that transition words help connect parts of a sentence to one another.Write the words from the word bank on note cards and arrange them out of order on the chalk tray.Indicate and read each word aloud with students repeating the words after you.Then read aloud the paragraph.At each blank,have students say chorally which transition word could be used.Arrange the note cards in the order in which the words appear in the story.Then have students reread the story together with the transition words in the blanks.Word Bank:fi rst,meanwhile,at last,next,we decided to hold a car wash to raise money for soccer team uniforms.,we had to fi nd volunteers.,Mom made us a delicious picnic lunch.we fi nished washing the last car!MathCounting Money Give students a number of different coins.Have students fi nd different ways to make one dollar using the coins.Have them write the coins they used on a sheet of paper.Then ask them to fi nd different ways to make two dollars.School-Home ConnectionState Coins Tell students that for the past several years,quarters have been minted to represent the fi fty states.Have students examine quarters at home and make a list of the states they fi nd.Have them fi nd the year each coin was minted.Word Count:928(946 with graphic organizers)RXENL08ARD4E23_ELL.indd 15RXENL08ARD4E23_ELL.indd 1511/17/06 1:48:56 PM11/17/06 1:48:56 PMRXENL08ARD4E23_ELL.indd 16RXENL08ARD4E23_ELL.indd 1611/17/06 1:49:22 PM11/17/06 1:49:22 PM