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3. What Card Games Can You Play For Money

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Ten Pennies is a multi-player, multi-round Rummy-style card game involvingmoney with possible origins in Chicago. The major features different from most Rummy-style games are the limited purchasing (ten) of additional cards and the winner wins all the money used in the game. The rules and strategy are simple enough for all ages to play while still exciting and challenging for an adults only game. Playing with money is not required and anything such as chips or toothpicks may be used.

Setup[edit]

Each player prepares a stack of ten pennies and places it on the table in front of them. These ten pennies must be kept separated from any other money on the table. This stack of ten pennies is referred to as their 'buy' stack of pennies. The players then have an additional amount of money in front of them on the table consisting of all pennies, or any combination of pennies, nickels, dimes or quarters. This additional amount of money, while usually around two dollars, can be added to at any time and needs only be enough to complete the game. This additional money is used to pay for cards 'caught' in a player's hand at the end of each round.

A small bowl is needed to collect all pennies and money used in the game. A scorepad is also needed to keep track of penalty points accumulated by each player during the game.

The deck[edit]

Ten Pennies is played with multiple 54-card decks of playing cards (standard 52-card decks plus jokers). Typically, the game is played with one deck for every two players (i.e. 8 players use 4 decks). If there are an odd number of players, it is better to round up (i.e. 7 players use 4 decks). Deuces (2s), Aces and Jokers are wild depending on the round being played.

Dealing and cutting[edit]

Dealership rotates clockwise from round to round. Other people can help shuffle the cards if there are too many for one person to do it adequately. The dealer of the first round is determined by every player drawing a card from the deck. Highest card deals with Jokers being the highest card. If two or more people match the highest card, those people will continue drawing until a dealer is chosen. The dealer deals eleven cards to each player. After all the players' hands have been dealt, another card (the upcard) is placed face-up in a central location known as the discard pile or buy pile. The remainder of the pack is placed face-down and is called the deck or down pile.

Play[edit]

The person to the left of the dealer plays first. This player has the option of picking up the face-up card in the discard pile. If the player does not want the face-up card, the player indicates this by announcing to the other people that he/she does not want the^{[further explanation needed]}At this point, the person immediately to the left of the player has the option to 'buy' the card. If this person chooses to buy the card, they must use one of their ten pennies from their buy stack and put the penny into the money bowl. After picking up the face-up card, the buyer must also pick up two more cards from the deck.

The buyer cannot lay down any cards picked up until it is their turn. If the first person to the left of the player does not want to buy the face-up card, they must verbally declare to the other people that they don't want the card whereby the option goes to the next person to the left. The option goes around the table until either a person buys the card or nobody wants it. If the card is bought, or if the option expires, play resumes with the player. Note: Once a card in the discard pile has been passed over by all players, it cannot then be picked up by the player whose turn it is nor purchased in the future. The player then picks up the top card from the deck. Upon picking up either the discard card or the top card of the pile, the player attempts to satisfy the first down requirements of the round.

First-down requirements of each round[edit]

A 'set' is a group of cards of the same value (i.e. all 8s) or a combination of same valued cards and wild cards as defined by the round. A set may consist of all wild cards or combinations of the same wild cards and other wild cards as long as the requirements of the round are satisfied.

If a player whose turn it is has the first-down requirement set of the round, the player has the option of laying down the first requirement set or passing. The player may not lay down any cards until it is their turn and they have first laid down the first-down requirement set. After that, the player has the option of continuing to lay down cards in sets of three or more using no more than one wild card per set of three, although three wild cards or two wild cards and a different wild card may be laid down. Once the player has laid down sets of cards, the player has the option of laying down an unlimited number of wild cards on any set thereby exhausting all wild cards in their hand if they so choose.

The player can also lay down any card that can play in any other player's sets. If all cards in the player's hand can either be played or played leaving one discard card, the player then has 'gone out' and wins the round. If, however, the player reaches a point where no other cards can be laid down, the player discards one card face up on the discard pile and the turn passes to the next player to the left.

Scoring of the round and paying penalties[edit]

Once a player goes out, the remaining players add up points of cards they were caught with in their hands. The card values are as follows:

The number of points each player was stuck with is tallied on the scorepad. In addition, each player counts the number of cards in their hand and puts a penny into the money bowl for each card in their hand.

Strategy[edit]

Strategy centers on the purchasing of cards using the ten pennies. Purchasing of cards is limited so the timing and reason for purchase must be carefully considered. The reasons for purchasing a card may be:

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1. The face-up card may help satisfy the first down requirement of a round or subsequent laying down of additional cards.
2. The face-up card may not help but it is hoped the two additional cards drawn might.
3. The card is bought to prevent others at the table from getting it or the two extra cards.

There are several different strategies concerning timing of purchases:

1. The averaging method is to make one purchase per round and make an extra purchase in the last two rounds. This method can fail if opportunities are missed and you get stuck with many high-point cards.
2. The go-out-early method uses all purchases in the early rounds to build up a large lead and then high point cards are sloughed in the later rounds. This method fails if a large enough lead is not built up early.
3. The hold-out method makes few purchases in the early rounds, when it is easier to go out, and saves the purchases to the last few rounds when it is more difficult to make the first down requirements. This method fails if early opportunities are missed and you have too many points going into the final rounds.

Successful strategy balances both timing and reasons for purchase.

Winning[edit]

At the completion of the seventh round, all scores are tallied and the player with the lowest score wins the game and all the money in the money bowl.

References[edit]

External links[edit]

• a simplified version of the game from Seriousmoms.com^{[permanent dead link]}

Your teenage years are the perfect time to learn life’s valuable money managing skills. It may seem like a lifetime away, but it won’t be long before you are out on your own and you need to understand things such as budgeting, saving, and spending responsibly. Before you can be independent you not only need to learn money management, but you need to have math and business skills that will help you not only manage your money but also do well in the business world. Use the following engaging math, money, and business games to learn the important finance lessons and life skills you will need in the not so far off future.

MATH GAMES

Multiplying and Dividing Integers Game – Play this interactive online game where you are tested on your knowledge of multiplying and dividing integers.

Bike Racing Math Integers – Win this bike race by answering the questions about integers correctly.

Dice: Order of Operations Game (App) – For those of you with an iPhone, you can download this app and play a game of dice that helps you learn the order of operations.

Math Games for the Classroom: Grades 6-8 (PDF) – Although this printable PDF is perfect for teachers to use in their classrooms, you can easily play these math games at home and work on improving your math skills.

Exponent Game – You will need two players for this fun filled card game that has you multiplying and using exponents.

Hooda Math – This online game works with players on improving their geometry, arithmetic, and logic math skills.

Matching Math: Subtraction with Missing Numbers – Visit this website where you will practice subtraction with missing numbers.

Math Mine – Try to make it through this math mine by using your hammer to remove blocks and make equations.

Make 24 – To win this game you have to use multiple math skills including adding, subtracting, multiplying, dividing, and math with brackets and formulas to get your four cards to equal 24.

Tic Tac Toe Squares – Decide which math problems you need the most practice on and win Tic Tac Toe Squares by answering the math questions correctly.

Lure of the Labyrinth – This fun online math game has you saving lost pets by completing math problems.

MONEY GAMES

Financial Football Game – This fast paced football game is not only entertaining, but it teaches you money management skills.

Financial Soccer Game – If you prefer playing soccer games, check out this online soccer game that teaches money management.

Balance Your Checking Account – Follow the directions on this interactive check register and learn how to balance your checkbook.

Jump Starts Reality Check – Do you know how much housing, transportation, and other day to day things cost? Play this game and get a reality check as to what things really cost.

Save Perry’s Pennies – To win this game you have to be like the Bureau of Public Debt and help Perry collect and count every penny.

The One Dollar Store – Shop at the One Dollar Store by placing coins that add up to the correct amount of money for each item being purchased.

Money Master – How fast can you give change? This money master game helps you become a master at giving change back to customers.

Fed Match – Play this online memory game where you have to match the economic and finance words to win.

BUSINESS GAMES

Famous Entrepreneur Scavenger Hunt (PDF) – Learn about famous entrepreneurs and how they ran their successful businesses by completing this online scavenger hunt.

Gazillionaire – This site offers a free online version of this game where you work to become a small business tycoon.

Play Monopoly – You might think that the game of Monopoly is just a fun family game to play, but it teaches you a lot about business. Play the board game or follow this link to play it online.

Pet Hotel – Pet Hotel is a game that can be downloaded onto your smartphone where you learn the ins and outs of running a pet boarding business.

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EVE Online – If you are looking to practice your business management skills, play this game and try running the most powerful company in the world.

What Card Games Can You Play For Money

3rd World Farmer – Businesses around the world face other obstacles than you may be familiar with here in the United States; 3rd World Farmer opens your eyes to these challenges by having you work your business skills and run a farm in a poverty stricken country.