原版英语RAZ 教案Money, Money, Money_DS.pdf
www.readinga-Money,Money,MoneyA Reading AZ Level X Leveled BookWord Count:1,801Money,Money,MoneyWritingWrite a report summarizing the different forms of money that have been used throughout history.Social StudiesResearch one historical figure or landmark depicted on money.Create a trading card for the figure or landmark with a picture and label on the front and at least five fun facts on the back.ConnectionsXZ1Z2Visit www.readinga- for thousands of books and materials.Written by Lisa IngLEVELED BOOK XMoney,Money,MoneyLevel X Leveled Book Learning AZWritten by Lisa IngIllustrated by Cende HillAll rights reserved.www.readinga-Photo Credits:Front cover,pages 4,13,14,17,18,20:Learning A-Z;back cover:Photodisc;pages 1,12:Digital Vision/PictureQuest;page 7:Jack Fields/Corbis;page 8:The Granger Collection,NYC;page 9(top):PjrStudio/Alamy;page 9(bottom):AStock/Corbis;page 11:The Art Gallery Collection/Alamy;page 16:Big Cheese Photo LLC/Alamy;page 19:Antonio M.Rosario/Brand X Pictures/PictureQuest;page 19:Eightfish/AlamyCorrelationLEVEL XS4040Fountas&PinnellReading RecoveryDRAMoney,Money,Moneywww.readinga-How has money changed over time?Focus QuestionWritten by Lisa Ingbartercashcirculationcounterfeitcurrencydenominationdurableencodedfloating currencyhologramsmintwatermarksWords to Know1920ConclusionThree thousand years ago,people bartered one good for another.Today,people trade with each other using bills,coins,and even invisible money.What sort of money do you think well have in another three thousand years?At a stock market,people buy and sell stock,or pieces of companies.Stock costs more or less depending on the value of the company.But until the stock is sold,the money in it is not real.Glossarybarter(v.)to exchange goods or services without using money(p.5)cash(n.)common term for paper money;Chinese word for ancient coins(p.9)circulation(n.)the condition of being in use and passed from person to person(p.12)counterfeit(n.)a copy of something,especially money,that is made to look like the real thing(p.14)currency(n.)money,in any acceptable form,used to represent the value of goods and resources(p.6)denomination the face value of a type (n.)of currency(p.9)durable(adj.)sturdy and able to last for a long time(p.17)encoded(adj.)communicated in a special code (p.17)floating currency with a value determined currency(n.)by the free market and not attached to the gold standard(p.13)holograms(n.)special types of images that look three dimensional(p.15)mint(n.)a facility where coins are made(p.4)watermarks(n.)special pictures on paper,including currency,that are visible when held up to light(p.15)Money,Money,Money Level XMoney,Money,MoneyLevel X Leveled Book Learning AZWritten by Lisa IngIllustrated by Cende HillAll rights reserved.www.readinga-Photo Credits:Front cover,pages 4,13,14,17,18,20:Learning A-Z;back cover:Photodisc;pages 1,12:Digital Vision/PictureQuest;page 7:Jack Fields/Corbis;page 8:The Granger Collection,NYC;page 9(top):PjrStudio/Alamy;page 9(bottom):AStock/Corbis;page 11:The Art Gallery Collection/Alamy;page 16:Big Cheese Photo LLC/Alamy;page 19:Antonio M.Rosario/Brand X Pictures/PictureQuest;page 19:Eightfish/AlamyCorrelationLEVEL XS4040Fountas&PinnellReading RecoveryDRAMoney,Money,Moneywww.readinga-How has money changed over time?Focus QuestionWritten by Lisa Ingbartercashcirculationcounterfeitcurrencydenominationdurableencodedfloating currencyhologramsmintwatermarksWords to Know1920ConclusionThree thousand years ago,people bartered one good for another.Today,people trade with each other using bills,coins,and even invisible money.What sort of money do you think well have in another three thousand years?At a stock market,people buy and sell stock,or pieces of companies.Stock costs more or less depending on the value of the company.But until the stock is sold,the money in it is not real.Glossarybarter(v.)to exchange goods or services without using money(p.5)cash(n.)common term for paper money;Chinese word for ancient coins(p.9)circulation(n.)the condition of being in use and passed from person to person(p.12)counterfeit(n.)a copy of something,especially money,that is made to look like the real thing(p.14)currency(n.)money,in any acceptable form,used to represent the value of goods and resources(p.6)denomination the face value of a type (n.)of currency(p.9)durable(adj.)sturdy and able to last for a long time(p.17)encoded(adj.)communicated in a special code (p.17)floating currency with a value determined currency(n.)by the free market and not attached to the gold standard(p.13)holograms(n.)special types of images that look three dimensional(p.15)mint(n.)a facility where coins are made(p.4)watermarks(n.)special pictures on paper,including currency,that are visible when held up to light(p.15)Money,Money,Money Level X1718Debit and credit cards are made of durable plastic.The persons name and an individual number are stamped onto one side,along with the name of the bank where the account is.A magnetic strip on the top has special encoded information about the persons bank account.When the card is swiped through a card-reading machine,the machine electronically calls the bank to make sure that the account has enough money in it.If the money is there,the price is taken from the persons account and moved to the stores,restaurants,or companys account.It is easier to carry around one piece of plastic than it is to carry many bills.Plus,since cards have your name and information on them,the money is harder to steal than bills are.Debit and credit cardsHowever,credit cards can be dangerous because people forget that they must pay back the money they borrowed.Many people who use credit cards irresponsibly owe so much money to the banks that the banks take back,or repossess,the things the person bought.Plastic cards are less visible than money,but they still buy the same goods.Our invisible money allows us to trade with people around the world.With the help of catalogs and the Internet,you can use a credit card to buy goods from a person or company in another country.Your money is automatically changed into a currency the other person can use.Shopping online with a credit card can instantly send money across oceans.Money,Money,Money Level X34Table of ContentsIntroduction.4Bartering.5Currency.6Coins.8Paper Money .11The Value of Money .12Keeping Money Real .14Invisible Money:Checks and Credit Cards.16Conclusion .19Glossary .20IntroductionAn ordinary piece of paper isnt worth a lot,but a piece of paper money can be worth thousands of dollars.A check can be worth millions.Each printed bill is worth much more than the paper its printed on.But why?Where did money come from,and what makes money so valuable?Money is valuable because the people who make and use it agree that it is valuable.The government that issues it,the mint that strikes or prints it,the banks that hold it,and the people who buy and sell things with it all agree that money is worth something.The history of money is the fascinating story of how people changed from trading valuable objects to trading objects that represented their valuables.It also tells how technology creates“invisible money”that allows people to trade goods and materials around the world.Money is worth much more than the paper its printed on.Money,Money,Money Level X34Table of ContentsIntroduction.4Bartering.5Currency.6Coins.8Paper Money .11The Value of Money .12Keeping Money Real .14Invisible Money:Checks and Credit Cards.16Conclusion .19Glossary .20IntroductionAn ordinary piece of paper isnt worth a lot,but a piece of paper money can be worth thousands of dollars.A check can be worth millions.Each printed bill is worth much more than the paper its printed on.But why?Where did money come from,and what makes money so valuable?Money is valuable because the people who make and use it agree that it is valuable.The government that issues it,the mint that strikes or prints it,the banks that hold it,and the people who buy and sell things with it all agree that money is worth something.The history of money is the fascinating story of how people changed from trading valuable objects to trading objects that represented their valuables.It also tells how technology creates“invisible money”that allows people to trade goods and materials around the world.Money is worth much more than the paper its printed on.Money,Money,Money Level X1718Debit and credit cards are made of durable plastic.The persons name and an individual number are stamped onto one side,along with the name of the bank where the account is.A magnetic strip on the top has special encoded information about the persons bank account.When the card is swiped through a card-reading machine,the machine electronically calls the bank to make sure that the account has enough money in it.If the money is there,the price is taken from the persons account and moved to the stores,restaurants,or companys account.It is easier to carry around one piece of plastic than it is to carry many bills.Plus,since cards have your name and information on them,the money is harder to steal than bills are.Debit and credit cardsHowever,credit cards can be dangerous because people forget that they must pay back the money they borrowed.Many people who use credit cards irresponsibly owe so much money to the banks that the banks take back,or repossess,the things the person bought.Plastic cards are less visible than money,but they still buy the same goods.Our invisible money allows us to trade with people around the world.With the help of catalogs and the Internet,you can use a credit card to buy goods from a person or company in another country.Your money is automatically changed into a currency the other person can use.Shopping online with a credit card can instantly send money across oceans.Money,Money,Money Level X1516In order to defeat counterfeiters,most countries make their money using special,hard-to-copy tricks.Bills are printed on paper made with a secret formula.U.S.dollars are made of a mixture of about one-quarter linen and three-quarters cotton,with some red and blue fibers sprinkled throughout.However,the government keeps the exact formula a secret,the way Coca-Cola protects the secret recipe for their famous soda pop.A special thread below the portrait glows in ultraviolet,or “black,”light.Banks and some stores use special pens with ink that turns from black to yellow on real money,but stays black on fake money.The pictures and print on bills are designed to prevent easy copying.The portrait is large and detailed,placed slightly off-center,and made of very thin dashed lines.The patterns on the bill are small and complicated.Each bill has a serial number that shows when and where the bill was printed.In addition,many bills also have colored inks,magnetic inks,and inks that change color depending on the angle you look at them.Some bills have holograms or watermarks that produce an image only when you hold the bill up to the light.Invisible Money:Checks and Credit CardsMost adults have checking accounts.Banks keep track of how much money a person has saved,and the person writes checks,or official notes,that stand for a certain amount.Checks can represent a large amount of money on one piece of paper.Many checking accounts also have debit cards that people can use to take cash from their accounts at ATMs or pay for things at shops and restaurants.Credit cards work like debit cards and checking accounts,except that instead of saving money in the bank,a person borrows the money from the bank.People use credit cards to buy items that cost more than they have in the bank.Then,they have to pay the money back,plus a fee called interest.If someone takes a long time to pay the money back,the interest gets bigger.Automatic teller machines,or ATMs,allow people to get cash from their accounts at any time.Money,Money,Money Level X56BarteringThousands of years ago,people used to barter,or directly trade their goods with each other.People living near the ocean had fish and salt,which they traded with people living near the mountains who had fruits,wood,and furs.The barter system continues today.If you trade an apple from your lunch for someone elses candy bar,you are bartering.However,there are a couple of problems with bartering.You might want some goods or valuable objects from someone,but they might not want the goods that you have.Additionally,many items are heavy,hard to carry,or dont last long.CurrencyIn order to get around the problems of bartering,people invented currency,or objects that represented certain values.For example,a group of people might agree that a cow was worth twenty shells and a large fish was worth two shells.People could trade goods for currency and vice versa.Each culture around the world chose a different item to represent the value of its goods.The objects people used for currency were almost always light enough to carry,but rare enough that people couldnt just pick them up off the ground.The rarer the currency was and the more work it took to find it,the more valuable it was.Bartering allowed people to trade for products they could not get on their own.Currency allowed people to trade objects without carrying them around.Money,Money,Money Level X56BarteringThousands of years ago,people used to barter,or directly trade their goods with each other.People living near the ocean had fish and salt,which they traded with people living near the mountains who had fruits,wood,and furs.The barter system continues today.If you trade an apple from your lunch for someone elses candy bar,you are bartering.However,there are a couple of problems with bartering.You might want some goods or valuable objects from someone,but they might not want the goods that you have.Additionally,many items are heavy,hard to carry,or dont last long.CurrencyIn order to get around the problems of bartering,people invented currency,or objects that represented certain values.For example,a group of people might agree that a cow was worth twenty shells and a large fish was worth two shells.People could trade goods for currency and vice versa.Each culture around the world chose a different item to represent the value of its goods.The objects people used for currency were almost always light enough to carry,but rare enough that people couldnt just pick them up off the ground.The rarer the currency was and the more work it took to find it,the more valuable it was.Bartering allowed people to trade for products they could not get on their own.Currency allowed people to trade objects without carrying them around.Money,Money,Money Level X1516In order to defeat counterfeiters,most countries make their money using special,hard-to-copy tricks.Bills are printed on paper made with a secret formula.U.S.dollars are made of a mixture of about one-quarter linen and three-quarters cotton,with some red and blue fibers sprinkled throughout.However,the government keeps the exact formula a secret,the way Coca-Cola
