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1、www.readinga-LEVELED READER ALEVELED BOOK T Moneyin the USAWritten by Susan CreanVisit www.readinga- for thousands of books and materials.Money in the USAA Reading AZ Level T Leveled BookWord Count:1,319Money in the USALevel T Leveled Book Learning AZWritten by Susan CreanAll rights reserved.www.rea
2、dinga-Photo Credits:Front cover,back cover,title page,pages 3,16,18(both):Jupiterimages Corporation;page 4:Digital Vision/Getty Images;pages 5,6(notes),9,10(all),11,14:Learning AZ;pages 6(coins),8,12:United States Mint images;page 7:Stockbyte/Getty Images;page 13:James L.Amos/Corbis;pages 15(both),1
3、7:Craig Frederick/Learning AZ;page 19:Photodisc/Getty ImagesCorrelationLEVEL TP3838Fountas&PinnellReading RecoveryDRAwww.readinga-Moneyin the USAWritten by Susan CreanMoney in the USA Level T 1920Glossarycounterfeiters(n.)people who produce false currency(p.10)currency(n.)money,in any acceptable for
4、m(p.5)denomination(n.)the face value for a type of currency(p.8)face value(n.)a number or phrase that appears on a coin or note telling its worth(p.16)Federal the central bank of Reserve(n.)the United States(p.5)legal tender(n.)money that people must accept as payment within a country(p.16)mutilated
5、(adj.)badly damaged(p.14)numismatic(adj.)referring to currency collected because of its rarity and historical significance(p.15)precious metals that are highly valued metals(n.)because of their rarity(p.13)Many designs on money have changed to honor people and events in U.S.history.Security features
6、 have changed to keep counterfeiters from being able to use fake bills.New rules to keep pace with new technology mean the future holds further changes for U.S.currency.However,the function of money in the United States will remain the same.People will still use money to buy what they need and some
7、of what they want.The use of money has become part of everyday life.About$42 billion per month is spent in U.S.grocery stores.Money in the USALevel T Leveled Book Learning AZWritten by Susan CreanAll rights reserved.www.readinga-Photo Credits:Front cover,back cover,title page,pages 3,16,18(both):Jup
8、iterimages Corporation;page 4:Digital Vision/Getty Images;pages 5,6(notes),9,10(all),11,14:Learning AZ;pages 6(coins),8,12:United States Mint images;page 7:Stockbyte/Getty Images;page 13:James L.Amos/Corbis;pages 15(both),17:Craig Frederick/Learning AZ;page 19:Photodisc/Getty ImagesCorrelationLEVEL
9、TP3838Fountas&PinnellReading RecoveryDRAwww.readinga-Moneyin the USAWritten by Susan CreanMoney in the USA Level T 1920Glossarycounterfeiters(n.)people who produce false currency(p.10)currency(n.)money,in any acceptable form(p.5)denomination(n.)the face value for a type of currency(p.8)face value(n.
10、)a number or phrase that appears on a coin or note telling its worth(p.16)Federal the central bank of Reserve(n.)the United States(p.5)legal tender(n.)money that people must accept as payment within a country(p.16)mutilated(adj.)badly damaged(p.14)numismatic(adj.)referring to currency collected beca
11、use of its rarity and historical significance(p.15)precious metals that are highly valued metals(n.)because of their rarity(p.13)Many designs on money have changed to honor people and events in U.S.history.Security features have changed to keep counterfeiters from being able to use fake bills.New ru
12、les to keep pace with new technology mean the future holds further changes for U.S.currency.However,the function of money in the United States will remain the same.People will still use money to buy what they need and some of what they want.The use of money has become part of everyday life.About$42
13、billion per month is spent in U.S.grocery stores.Money in the USA Level T 1718The amount and type of money made in the United States has changed over the years.From Congress,to the U.S.Mint and the Bureau of Engraving and Printing,to the Federal Reserve banks,the government keeps coins and notes cir
14、culating and the value of U.S.money safe.Using ATMs is one of the easiest ways to get money.Standardizing MoneyWhen our nation was first formed,its economy depended largely on a mixture of foreign coins.Beginning in 1775,the Continental Congress issued currency to pay for the Revolutionary War.These
15、 notes,called Continentals,quickly became devalued because they were easily counterfeited and were not backed by gold or silver.On April 2,1792,the United States Congress passed The Mint Act.For the first time,currency in the United States became standardized.Since then,U.S.coin production has grown
16、 from 1,500 coins a year to more than 11 billion coins a year,and the United States dollar has become one of the strongest currencies in the world.Money in the USA Level T 34Table of ContentsMaking Money .4Banking and Mint Marks .7Counterfeiting .10Recycling Money,Collecting Money .14Standardizing M
17、oney .17Glossary .20Making MoneyMoney is something that people living in the United States today cannot survive without.People use money to purchase things they need to live,such as food and shelter.People also use money to purchase things they want,but do not necessarily need to survive.Money in th
18、e USA Level T 34Table of ContentsMaking Money .4Banking and Mint Marks .7Counterfeiting .10Recycling Money,Collecting Money .14Standardizing Money .17Glossary .20Making MoneyMoney is something that people living in the United States today cannot survive without.People use money to purchase things th
19、ey need to live,such as food and shelter.People also use money to purchase things they want,but do not necessarily need to survive.Money in the USA Level T 1718The amount and type of money made in the United States has changed over the years.From Congress,to the U.S.Mint and the Bureau of Engraving
20、and Printing,to the Federal Reserve banks,the government keeps coins and notes circulating and the value of U.S.money safe.Using ATMs is one of the easiest ways to get money.Standardizing MoneyWhen our nation was first formed,its economy depended largely on a mixture of foreign coins.Beginning in 17
21、75,the Continental Congress issued currency to pay for the Revolutionary War.These notes,called Continentals,quickly became devalued because they were easily counterfeited and were not backed by gold or silver.On April 2,1792,the United States Congress passed The Mint Act.For the first time,currency
22、 in the United States became standardized.Since then,U.S.coin production has grown from 1,500 coins a year to more than 11 billion coins a year,and the United States dollar has become one of the strongest currencies in the world.Money in the USA Level T 1516Congress authorizes the U.S.Mint to produc
23、e commemorative coins.Congress decides who or what will be featured on commemorative coins as well as how many of these special coins will be produced.Commemorative coins are not produced for circulation.They can be used as legal tender,but their face value is not the same as their appraised value.F
24、or example,a 1935 Hudson,N.Y.,Sesquicentennial half dollar has a face value of 50 cents but was sold for$1 when it was first issued.Now it sells for between$1,000 and$5,000.Money made from the sale of commemorative coins is used to fund special projects.The restoration of the Statue of Liberty was p
25、artially funded by sales of commemorative coins that had a picture of the Statue of Liberty.Some U.S.money is never spent,exchanged,or recycled.Instead,it is kept in collections by numismatists,or coin collectors.Collectors keep notes and coins in hope that they will increase in value.The U.S.Mint a
26、lso produces commemorative coins that collectors purchase.Commemorative coins are special coins that are issued to honor a person,place,institution,or event in history.Collectors may also collect numismatic coins that were issued as standard coins.Commemorative and numismatic coins are valued by the
27、ir rarity,condition,and age.The first U.S.commemorative coin featured Christopher Columbus.It was made to coincide with the Worlds Columbian Exposition in Chicago in 1893.Money in the USA Level T 56The money used in the United States is different from the money of other countries.Each country has it
28、s own currency system.The system in the United States is based on a decimal system that uses dollars and cents.A big central bank,known as the Federal Reserve,issues all money in the United States.But the Federal Reserve does not make money.Money is actually made by two other organizations:one is th
29、e U.S.Mint,which makes coins,and the other is the Bureau of Engraving and Printing,which makes the notes,or bills.United States currency has a design that makes it different from other currencies in the world.The money used in the U.S.is highly symbolic of American values and history.For example,all
30、 coins and notes feature a portrait of someone important in the history of the United States.COINSPenny:Abraham LincolnNickel:Thomas JeffersonDime:Franklin D.RooseveltQuarter:George WashingtonHalf-Dollar:John F.KennedyDollar:Susan B.AnthonyNOTES$1 George Washington$2 Thomas Jefferson$5 Abraham Linco
31、ln$10 Alexander Hamilton$20 Andrew Jackson$50 Ulysses S.Grant$100 Benjamin FranklinMoney in the USA Level T 56The money used in the United States is different from the money of other countries.Each country has its own currency system.The system in the United States is based on a decimal system that
32、uses dollars and cents.A big central bank,known as the Federal Reserve,issues all money in the United States.But the Federal Reserve does not make money.Money is actually made by two other organizations:one is the U.S.Mint,which makes coins,and the other is the Bureau of Engraving and Printing,which
33、 makes the notes,or bills.United States currency has a design that makes it different from other currencies in the world.The money used in the U.S.is highly symbolic of American values and history.For example,all coins and notes feature a portrait of someone important in the history of the United St
34、ates.COINSPenny:Abraham LincolnNickel:Thomas JeffersonDime:Franklin D.RooseveltQuarter:George WashingtonHalf-Dollar:John F.KennedyDollar:Susan B.AnthonyNOTES$1 George Washington$2 Thomas Jefferson$5 Abraham Lincoln$10 Alexander Hamilton$20 Andrew Jackson$50 Ulysses S.Grant$100 Benjamin FranklinMoney
35、 in the USA Level T 1516Congress authorizes the U.S.Mint to produce commemorative coins.Congress decides who or what will be featured on commemorative coins as well as how many of these special coins will be produced.Commemorative coins are not produced for circulation.They can be used as legal tend
36、er,but their face value is not the same as their appraised value.For example,a 1935 Hudson,N.Y.,Sesquicentennial half dollar has a face value of 50 cents but was sold for$1 when it was first issued.Now it sells for between$1,000 and$5,000.Money made from the sale of commemorative coins is used to fu
37、nd special projects.The restoration of the Statue of Liberty was partially funded by sales of commemorative coins that had a picture of the Statue of Liberty.Some U.S.money is never spent,exchanged,or recycled.Instead,it is kept in collections by numismatists,or coin collectors.Collectors keep notes
38、 and coins in hope that they will increase in value.The U.S.Mint also produces commemorative coins that collectors purchase.Commemorative coins are special coins that are issued to honor a person,place,institution,or event in history.Collectors may also collect numismatic coins that were issued as s
39、tandard coins.Commemorative and numismatic coins are valued by their rarity,condition,and age.The first U.S.commemorative coin featured Christopher Columbus.It was made to coincide with the Worlds Columbian Exposition in Chicago in 1893.Money in the USA Level T 1314Recycling Money,Collecting MoneyMo
40、ney does not last forever.Paper money is routinely deposited by private banks into Federal Reserve banks which then destroy notes that are too worn for use.Some paper money is recycled into other products,such as stationery.As for coins,the U.S.Mint does not repurchase used coins.It will,however,pay
41、 for mutilated coins,but only for their value as scrap metal.Federal Reserve banks will replace old,worn coins with new coins of the same denomination and will then forward the old coins to the U.S.Mint to be recycled.Do You Know?Coins last longer than bills.The life expectancy for a circulating coi
42、n is 30 years,whereas paper money lasts just 18 months!Perhaps the biggest change in coins over the years has been the precious metals of which they are made.Early U.S.coins were made of gold,silver,or copper.In its first year,the U.S.Mint produced 11,178 copper cents.It was not long before the U.S.
43、Mint began producing coins in silver and gold,too.Today,only very small amounts of copper,nickel,and zinc are used in the making of U.S.coins.Gold is only found in antique coins.A worker at a mint loads bags of coins to ship to banks.Money in the USA Level T 78Banking and Mint MarksOnce notes and co
44、ins are made,they are shipped to banks that are run by the Federal Reserve,which is the central bank of the United States.Twelve Federal Reserve banks are located across the nation and make up our national bank system.Just as people might have a checking account at a private bank,private banks have
45、checking accounts with Federal Reserve banks.Private banks use these accounts to buy notes or coins whenever they need them for their customers.People cash checks and get change in banks through a teller.The U.S.Mint does not decide which coins to produce and the Bureau of Engraving and Printing doe
46、s not decide which notes to print.Neither has the authority to start or stop producing a unit of currency.The U.S.Mint produces between 11 billion and 20 billion coins each year while the Bureau of Engraving and Printing produces about 37 million notes each day.Congress decides the denomination of t
47、he currency to be produced and circulated.mint markyearMoney in the USA Level T 78Banking and Mint MarksOnce notes and coins are made,they are shipped to banks that are run by the Federal Reserve,which is the central bank of the United States.Twelve Federal Reserve banks are located across the natio
48、n and make up our national bank system.Just as people might have a checking account at a private bank,private banks have checking accounts with Federal Reserve banks.Private banks use these accounts to buy notes or coins whenever they need them for their customers.People cash checks and get change i
49、n banks through a teller.The U.S.Mint does not decide which coins to produce and the Bureau of Engraving and Printing does not decide which notes to print.Neither has the authority to start or stop producing a unit of currency.The U.S.Mint produces between 11 billion and 20 billion coins each year w
50、hile the Bureau of Engraving and Printing produces about 37 million notes each day.Congress decides the denomination of the currency to be produced and circulated.mint markyearMoney in the USA Level T 1314Recycling Money,Collecting MoneyMoney does not last forever.Paper money is routinely deposited