Robyn Hardyman

Everyone needs money for the essentials of life. Individuals, however, get to decide how to use money, and not everyone is good at it This book presents readers with clear explanations of financial goal setting and budgeting. Practical tips readers can use today and later in life emphasize prioritizing necessities and keeping track of what is spent in order to live within a budget. Simple economics are blended with citizenship through sections about giving to charity and finding ways to use money for good.

Perhaps the most difficult decision anyone makes when money is involved is whether to spend or save. From birthday money from Grandma to a paycheck made from a paper route, the money young people make is no different. This volume covers the most basic concepts of money including income, budgets, and taxes. It is written in a language level that is appropriate for an audience just beginning to be concerned with these matters. The main content covers the many ways one can save money, including for long-term goals such as retirement. Sidebars and fact boxes contribute further detail and examples about more difficult concepts.

One of the first steps toward good money management is opening a bank account or two. How debit and savings accounts work, how to get cash from these accounts, and more are covered in this introductory volume on using money. Practical tips such as shopping around for a good deal and credit card management are woven through basic economic concepts of spending, budgeting, and saving. Written in understandable language with age-appropriate information, the main content, sidebars, and fact boxes ready readers for the beginning of their long financial lives.

Borrowing 20 dollars to go to the movies might not seem like much, unless the person you borrow from charges interest. This concept can be a difficult one for young people to grasp until they face this situation themselves. Luckily, this book simplifies credit, loans, interest, and debt to help readers understand one of the hardest financial areas to manage long before they truly need the help. Sidebars and fact boxes supplement sections on credit cards, bankruptcy, and even national debt to explain especially tricky topics.

One of the first steps toward good money management is opening a bank account or two. How debit and savings accounts work, how to get cash from these accounts, and more are covered in this introductory volume on using money. Practical tips such as shopping around for a good deal and credit card management are woven through basic economic concepts of spending, budgeting, and saving. Written in understandable language with age-appropriate information, the main content, sidebars, and fact boxes ready readers for the beginning of their long financial lives.

Everyone needs money for the essentials of life. Individuals, however, get to decide how to use money, and not everyone is good at it This book presents readers with clear explanations of financial goal setting and budgeting. Practical tips readers can use today and later in life emphasize prioritizing necessities and keeping track of what is spent in order to live within a budget. Simple economics are blended with citizenship through sections about giving to charity and finding ways to use money for good.

Anyone who owns stock in a company owns a little piece of that company. However, since many people don't handle their own investments, they likely don't know what company they own a part of In fact, they might not even know how their investments are moved around or how to define a "stock" at all. This book introduces the topic of stocks and bonds, including the risks of investment. Written in clear, accessible language for readers just starting to learn how their personal economy works, the main content will instill financial literacy to everyone who reads it.

In this informative book, readers dig into the history of tunnels and expand their cultural awareness as they explore famous tunnels across the globe. They'll also discover other technologies that play a role in tunnels, such as the invention of dynamite and ancient aqueducts Record-breaking tunnels will amaze even reluctant readers, and stunning photographs illuminate key concepts. The concluding engineering activity will give readers the chance to apply their knowledge through hands-on construction. This versatile work explains the historical importance and science of tunnels, helping readers understand connections between subject areas.

Bridges are some of the most beautiful and useful products of math we encounter in our daily lives. This detailed text will teach readers exciting and age-appropriate facts about the engineering behind these structural wonders. Readers will see record-breaking masterpieces from across the globe, such as "living bridges" built into trees in India. Spectacular photographs, an easy-to-read map, and fun fact boxes will engage all readers. A concluding engineering activity is perfect for kinesthetic learners who love to work with their hands

Great kingdoms and rulers from the distant past can become lost over time. For some, no records survive to prove their existence. For others, the records are woven with so many fanciful details they seem like legends. How do we distinguish what's true and what's false? This inclusive volume offers the latest insights into familiar legends such as Arthur and his Camelot, but also equally intriguing lore and history of lost kingdoms of Africa, Asia, and the early Americas. Readers will discover that the endeavor to unearth these realms reveals much culture, history, and geography about different world regions.

Mutant frogs, paralyzing wasps, adventurous sea turtles and many other extreme creatures will amaze readers in this action-packed volume. They'll also encounter fun math challenges as they learn about the weirdest life cycles in the plant and animal kingdoms. A helpful key is located at the end of the book for readers to check their answers. Stunning full-color photographs and fact boxes bursting with cool information will capture readers' interest. The high-interest topic makes this cross-curricular text perfect for any library.

Hippos might dine on veggies, but their powerful jaws can snap a crocodile in half Readers will discover the unique eating habits of remarkable creatures at every level of the food chain in this exciting volume as they pour over fascinating photographs and devour informative fact boxes. Cool quiz questions and a helpful answer key make math problems feel like a fun game, and allow readers an opportunity for self-assessment. This cross-curricular approach to life science and math makes this book a welcome addition to any collection.

A broken air conditioner can make summer a bummer, but that is a breeze compared to living above Yellowstone's supervolcano. In this information-rich volume, readers will meet plants and animals that call the world's most extreme habitats home. This high-interest topic will attract even reluctant readers and those who might be a bit wary of math. Gorgeous photographs and interesting fact boxes illuminate the text, and engaging quiz questions throughout the text provide math challenges that feel like a fun game.

Long-told tales of lost tombs and hidden treasure have survived even into today's atmosphere of skepticism. Some of these artifacts definitely exist--their locations have just been forgotten. Others are truly myths. Readers want to know what is legend and which treasure to pursue. This compelling tome is their guide There's plenty of history to explore as they learn about lost Inca gold, cursed Egyptian crypts, poisoned tombs in China, the missing grave of Genghis Khan, and untold amounts of shipwrecked treasure. A beautiful design including historical and fantastical images serves to heighten interest in this must-read volume.

Diwali, the Hindu festival of lights, is celebrated for five days with various activities and food. This book explores the festival and the story behind it and features six simple origami projects for your own festive fun! The book shows how people around the world decorate their homes with lights and rangoli patterns, and how they end the Diwali celebration with a special day for brothers and sisters. Attractively designed, its simple text and wonderful full-colour photos make this an essential book for children celebrating or learning about the festival. The origami activities are accessible to all and are explained with step-by-step illustrations. Your fantastic creations can be used as decorations for the festival, for presents, to impress your teacher for a Diwali school project or simply to wow your friends! The book is part of the Origami Festivals series, which bring religious festivals to life through origami art. Each festival is examined in detail, from its history to its significance today and the manner in which people worldwide celebrate it. Origami craft activities engage the reader in each festival and add a fun art and design element to the series. A religious and interactive craft series for children aged 9+.

For a truly worldwide war to erupt, many conflicts and interests are at work. That's exactly what happened in the years leading up to World War I, also called the Great War. Conflicts between empires, alliances among nations, fights over boundaries and colonies, and the 1914 assassination of the archduke Franz Ferdinand were among the myriad of causes for this widespread war. This volume, which includes remarkable photographs from the time period, gives a thorough overview of the war and its aftermath, which would pave the way for another terrible world war just two decades later.

Diwali is the Hindu festival of light and the start to the new year, so there's a lot to celebrate Origami lamps and lanterns would fit right in with other decorations for Diwali, as lamps are put out to welcome the dead back to their families. Readers can find out all about other traditional Diwali celebrations through fact boxes as they learn to fold a coin purse, flowers for garlands, a vase, and more. A step-by-step guide aids readers through each origami project, including full-color photographs of each step.

During the American Civil War, the United States was on the brink of falling apart irrevocably. As states seceded and brother turned against brother, hope for reconciliation was dim. This conflict, an essential topic of the social studies curriculum, is skillfully presented from its origins in the Southern slave-trade economy to bloody battles and, later, Reconstruction. Striking photographs and artwork of integral events and people will resonate with readers, while interesting sidebar information gives them more to reflect on about this terrible war and the lessons it taught us.

The major participants of World War II are familiar to most young historians, but less well known are the many causes of this bloody conflict. Among them is the treaty that ended World War I, originally meant to keep Germany from becoming a world power again. This and other surprising facts await readers of this notable volume, which discusses not only the causes of the war, but also the significant battles and eventual conclusion. Carefully selected photographs reflect the terrible toll of this deadly conflict.

Malaria is an infectious disease caused by parasites and spread by mosquitoes. Especially dangerous to children, it's the cause of 1 million deaths annually. About half of the world is at risk of catching malaria. This thought-provoking book answers questions including what it's like to contract malaria and the groundbreaking efforts and goals of today's medical and scientific community to both prevent and treat the disease. Mosquito nets, insecticides, and medications are among the many topics featured. Photographs of professionals in action and quotations from specialists add a sense of urgency to address this global crisis.