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andReturning  \nmy guide to money  \nPublished in the United States of America by Cherry Lake PublishingAnn Arbor,Michiganwww.cherrylakepublishing.com  \nContent Adviser:Danielle Peart,CPA  \nReading Adviser:Cecilia Minden,PhD,Literacy expert and children's author  \nBook Design:Jennifer Wahi  \nllustrator:Jeff Bane  \nPhoto Credits:◎Monkey Business Images/Shutterstock.com,5;◎Juriah Mosin/Shutterstock.com,7;◎sirikorn thamniyom/Shutterstock.com,9;Cgoodluz/Shutterstock.com,11;◎Natee Meepian/Shutterstock.com,13;◎ Phovoir/Shutterstock.com,15;◎Cineberg/Shutterstock.com,17;◎ Syda Productions/  \nShutterstockc.om,19;◎ PONG HANDSOME/Shutterstock.com,21;O Liderina/Shutterstock.com,23;Cover,1,  \n6,14,20,Jeff Bane  \nCopyright ◎2019 by Cherry Lake Publishing  \nAll rights reserved.No part of this book may be reproduced or utilized inany form or by any means without written permission from the publisher.  \n# Library of Congress Cataloging-in-Publication Data\n\nNames:Colby,Jennifer1971-author.  \nTitle:Borrowing and returning/by Jennifer Colby.  \nDescription:Ann Arbor:Cherry Lake Publishing,[2018]|Series:My guide tomoney |Includes bibliographical references and index.  \nIdentifiers:LCCN 2018003324|ISBN 9781534128989(hardcover)|ISBN9781534130685(pdf)|ISBN 9781534132184(pbk.)|ISBN 9781534133884(hosted ebook)  \nSubjects:LCSH:Credit--Juvenile literature.|Money--Juvenile literature.Classification:LCC HG3701.C5842018|DDC 332.7--dc23  \nLC record available at https://lccn.loc.gov/2018003324  \ntable of contents  \nLoan Smarts...  \nPay It Back ....22  \nGlossary ........24  \nIndex ..  \nAbout the author:Jennifer Colby is a school librarian in Michigan.She borrowsonly what she can pay back.  \nAbout the illustrator:Jeff Bane and his two business partners own a studioalong the American River in Folsom,California,home of the 1849 Gold Rush.When Jeff's not sketching or illustrating for clients,he's either swimming orkayaking in the river to relax.  \nloan smarts  \nDo you want to buy something?  \nFood and clothes are things weneed.New toys are things wemight want.","cbCairBRLho1JUDA","https://ap.wps.com/l/cbCairBRLho1JUDA","pdf",1815086,32,"English","# Loan Smarts\n## Do you want to buy something?\n## Pay It Back\n## Glossary\n## Index","[{\"question\":\"What is “Loan Smarts” about?\",\"answer\":\"It explains the basics of borrowing and returning money in a way that helps children understand responsible repayment.\"},{\"question\":\"How can I decide whether to buy something or borrow?\",\"answer\":\"Use the needs-versus-wants idea: food and clothes are needs, while toys are often wants.\"},{\"question\":\"What rule should guide borrowing money?\",\"answer\":\"Borrow only what you can pay back when it’s time to return the money.\"}]","My guide to money - Borrowing and returning - Loan Smarts | PDF",1790615795,81]