Ruby is starting third grade, and she can't wait! In third grade you get to join clubs, like for knitting and ballroom dancing and yoga. In third grade you get to sign up for a musical instrument (Ruby is convinced that she is destined to play the harp) and play in the orchestra. In third grade you also get to learn cursive...and that's only the beginning! But for Ruby Lu, third grade also means an especially big change: her father loses his job. When her mother goes to work to support the family, Ruby and Oscar have to adjust to her father's bizarre caretaking, which is definitely not all fun and games. And then there's the fact that money is tighter than ever. Ruby is determined to change things, though. Surely there's a way for her to make a million dollars! <P>As Ruby is about to discover, making money isn't easy...but having a loving family is the most valuable thing of all. This is another funny, charming, heartfelt gem from Lenore Look.