原版英语RAZ 教案(Z2) Money, Money, Money_DS.pdf
Visit www.readinga- for thousands of books and materials.Money,Money,MoneyA Reading AZ Level Z2 Leveled BookWord Count:2,635WritingWrite 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.Connectionswww.readinga-Money,Money,MoneyWritten by Lisa IngLEVELED BOOK Z2XZ1Z2Money,Money,Moneywww.readinga-How has money changed over time?Focus QuestionWritten by Lisa IngCorrelationLEVEL Z2YZN/A70+Fountas&PinnellReading RecoveryDRAMoney,Money,MoneyLevel Z2 Leveled Book Learning AZWritten by Lisa IngIllustrated by Cende HillAll rights reserved.www.readinga-barterbullioncirculationcoinagecounterfeitcurrencydenominationdichroicencodedfiat moneyhyperinflationincisedintrinsicallymalleablemintmutilatedoxidizesviableWords to KnowPhoto Credits:Front cover,pages 4,17,20:Learning A-Z;back cover:Photodisc;title page,page 14:Digital Vision/PictureQuest;page 8:The Granger Collection,NYC;page 9:PjrStudio/Alamy;page 10:AStock/Corbis;page 11:The Art Gallery Collection/Alamy;page 18:Jack Fields/Corbis;page 21:Antonio M.Rosario/Brand X Pictures/PictureQuest;page 22:Eightfish/Alamy23Glossarybarter(v.)to exchange goods or services without using money(p.5)bullion(n.)bars of gold,silver,or another metal not yet made into coins(p.15)circulation(n.)the condition of being in use and passed from person to person(p.14)coinage(n.)money in coin form;the process of making coins(p.8)counterfeit(n.)a copy of something,especially money,that is made to look like the real thing (p.16)currency(n.)money,in any acceptable form,used to represent the value of goods and resources(p.6)denomination(n.)the face value of a type of currency(p.10)dichroic(adj.)showing different colors from reflected or transmitted light;displaying color-changing properties(p.18)Money,Money,Money Level Z224encoded(adj.)communicated in a special code(p.20)fiat money(n.)paper currency that cannot be traded for coins or has no value except that determined by the issuing government (p.15)hyperinflation(n.)a general price increase occurring at a high rate over a short period of time(p.16)incised(v.)cut a surface to leave marks or decorations(p.9)intrinsically(adv.)in a natural or essential way;inherently(p.15)malleable(adj.)able to be shaped or changed by stretching,bending,or pounding(p.8)mint(n.)a facility where coins are made(p.4)mutilated(adj.)badly damaged(p.16)oxidizes(v.)combines with oxygen and creates a chemical change,such as rust(p.8)viable(adj.)able to be done,used,or completed successfully(p.7)Money,Money,Moneywww.readinga-How has money changed over time?Focus QuestionWritten by Lisa IngCorrelationLEVEL Z2YZN/A70+Fountas&PinnellReading RecoveryDRAMoney,Money,MoneyLevel Z2 Leveled Book Learning AZWritten by Lisa IngIllustrated by Cende HillAll rights reserved.www.readinga-barterbullioncirculationcoinagecounterfeitcurrencydenominationdichroicencodedfiat moneyhyperinflationincisedintrinsicallymalleablemintmutilatedoxidizesviableWords to KnowPhoto Credits:Front cover,pages 4,17,20:Learning A-Z;back cover:Photodisc;title page,page 14:Digital Vision/PictureQuest;page 8:The Granger Collection,NYC;page 9:PjrStudio/Alamy;page 10:AStock/Corbis;page 11:The Art Gallery Collection/Alamy;page 18:Jack Fields/Corbis;page 21:Antonio M.Rosario/Brand X Pictures/PictureQuest;page 22:Eightfish/Alamy23Glossarybarter(v.)to exchange goods or services without using money(p.5)bullion(n.)bars of gold,silver,or another metal not yet made into coins(p.15)circulation(n.)the condition of being in use and passed from person to person(p.14)coinage(n.)money in coin form;the process of making coins(p.8)counterfeit(n.)a copy of something,especially money,that is made to look like the real thing (p.16)currency(n.)money,in any acceptable form,used to represent the value of goods and resources(p.6)denomination(n.)the face value of a type of currency(p.10)dichroic(adj.)showing different colors from reflected or transmitted light;displaying color-changing properties(p.18)Money,Money,Money Level Z224encoded(adj.)communicated in a special code(p.20)fiat money(n.)paper currency that cannot be traded for coins or has no value except that determined by the issuing government (p.15)hyperinflation(n.)a general price increase occurring at a high rate over a short period of time(p.16)incised(v.)cut a surface to leave marks or decorations(p.9)intrinsically(adv.)in a natural or essential way;inherently(p.15)malleable(adj.)able to be shaped or changed by stretching,bending,or pounding(p.8)mint(n.)a facility where coins are made(p.4)mutilated(adj.)badly damaged(p.16)oxidizes(v.)combines with oxygen and creates a chemical change,such as rust(p.8)viable(adj.)able to be done,used,or completed successfully(p.7)21However,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.If that happens,a negative note is made on the persons credit history,and he or she may not be able to borrow again for a long time.Plastic cards are less visible than money,but they can buy the same goods.Our invisible money allows us to trade with people around the world.With the help of catalogs and the Internet,people can use credit cards to buy goods from a person or company in another country.The 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 Z222ConclusionThree thousand years ago,people bartered to trade goods or services with each other.Today,people trade with each other using bills,coins,checks,and even invisible money such as debit and credit cards.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.3Table of ContentsIntroduction .4Bartering .5Currency .6Coins .8Paper Money .11The Value of Money .14Keeping Money Real .16Invisible Money:Checks and Credit Cards .19Conclusion .22Glossary .23Money,Money,Money Level Z24IntroductionAn ordinary piece of paper isnt worth much at all,but a piece of paper money can be worth several thousand 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,what makes money so valuable,and why do people want it?Money is valuable because the people who make and use it agree on its determined value.The government that issues it,the engraving agency that designs 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 the money they accept is worth a specific amount.The history of money is the fascinating story of how people who traded valuable objects began to trade items that represented their valuables.The story also explains how technology creates“invisible money”that allows people to trade goods and services around the world without being in the same place as each other.Money is worth much more than the paper its printed on.3Table of ContentsIntroduction .4Bartering .5Currency .6Coins .8Paper Money .11The Value of Money .14Keeping Money Real .16Invisible Money:Checks and Credit Cards .19Conclusion .22Glossary .23Money,Money,Money Level Z24IntroductionAn ordinary piece of paper isnt worth much at all,but a piece of paper money can be worth several thousand 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,what makes money so valuable,and why do people want it?Money is valuable because the people who make and use it agree on its determined value.The government that issues it,the engraving agency that designs 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 the money they accept is worth a specific amount.The history of money is the fascinating story of how people who traded valuable objects began to trade items that represented their valuables.The story also explains how technology creates“invisible money”that allows people to trade goods and services around the world without being in the same place as each other.Money is worth much more than the paper its printed on.21However,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.If that happens,a negative note is made on the persons credit history,and he or she may not be able to borrow again for a long time.Plastic cards are less visible than money,but they can buy the same goods.Our invisible money allows us to trade with people around the world.With the help of catalogs and the Internet,people can use credit cards to buy goods from a person or company in another country.The 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 Z222ConclusionThree thousand years ago,people bartered to trade goods or services with each other.Today,people trade with each other using bills,coins,checks,and even invisible money such as debit and credit cards.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.19Invisible Money:Checks and Credit CardsMost adults have a checking account.Banks keep track of how much money a person has in his or her account.When the person writes checksofficial notes that stand for a certain amountthe bank reduces the total in the persons account by that same amount.Checks can represent a large amount of money on a single piece of paper.Many checking accounts are connected to debit cards that people can use to take cash from their accounts at automatic teller machines(ATMs)or pay for things at shops and restaurants.Credit cards work like debit cards and checking accounts except that instead of drawing from their deposit accounts,people borrow money from the bank.People can use credit cards to buy items that cost more than they have saved in the bank.Then,when they pay back the money,they have to pay an additional fee called interest.If someone takes a long time to pay back the money,the interest can accumulate into larger amounts.It can become expensive if you regularly borrow on a credit card and dont pay off the balance in a relatively short period of time.Debit and credit cards are made of durable plastic.The persons name and an individually Money,Money,Money Level Z220assigned number are stamped onto one side,along with the name of the bank that issued the account.A magnetic strip across the back has special encoded information about the persons bank account.Newer debit and credit cards have microchip technology,called radio frequency identification(RFID)chips,embedded into the cards.These chips carry personal information about the cardholders account in addition to what is on the magnetic strips.When the card is swiped through a card-reading machine,the machine electronically contacts the bank to verify that the account has enough money or enough available credit.If the money or credit is there,the money is withdrawn from the persons account and deposited into the stores,restaurants,or companys account.It is easier to carry around one piece of plastic than it is to carry many bills.Since cards have the account holders name and information on them,the money is harder to steal than bills are.Credit and debit cards make a persons money more secure.If the cards are lost or stolen,a phone call to the bank can cancel them and new cards can be issued.That system is impossible with cash.Debit and credit cards5BarteringSeveral thousand years ago,people used to barter in order to get what they didnt have or couldnt make.People living near the ocean had fish,salt,and shells,which they traded with people living near the mountains who had fruits,wood,and furs.People still barter with each other today.If you trade an apple from your lunch for the candy bar in someone elses lunch,you are bartering.However,there are several problems with bartering because not everyone has the same wants or needs.You might want some goods or valuable objects from someone,but they might not want the goods that you have,or vice versa.Additionally,many items are heavy,hard to carry,or dont last long.Figuring out how many of one item equals a certain number of another item can be difficult.It can also be difficult to determine the value of raw materials versus that of finished goods.Is a stack of logs worth the same amount as the table and chairs made from those logs?Bartering allowed people to trade for products they could not get on their own.Money,Money,Money Level Z26CurrencyTo solve the problems of bartering,people invented currencyobjects 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 as long as everyone in the transaction agreed upon the value of the currency being traded.Each culture around the world chose a different type of currency to represent the value of its goods.The objects people used were usually light enough to carry,but rare enough that people couldnt just pick them up off the ground.The rarer the item used for currency and the more work it took to find it,the more valuable people decided it was.Currency allowed people to trade objects without carrying them around.5BarteringSeveral thousand years ago,people used to barter in order to get what they didnt have or couldnt make.People living near the ocean had fish,salt,and shells,which they traded with people living near the mountains who had fruits,wood,and furs.People still barter with each other today.If you trade an apple from your lunch for the candy bar in someone elses lunch,you are bartering.However,there are several problems with bartering because not everyone has the same wants or needs.You might want some goods or valuable objects from someone,but they might not want the goods that you have,or vice versa.Additionally,many items are heavy,hard to carry,or dont last long.Figuring out how many of one item equals a certain number of another item can be difficult.It can also be difficult to determine the value of raw
