Give each player four pennies (or peanuts or whatever) as her bank. Deal three cards to each player. Players can look at their own cards. The rest of the deck goes facedown in the middle of the table as a draw pile.

The card values are as follows:
Ace=1 or 11
King = 99
10 = + or -
9 = pass
4 = reverse
All others = face value
Jack, Queen = ten
The object is to stay in the game by adding to the discard pile without letting the total go above ninety-nine and not to lose your ante.

The player to the left of the dealer discards one card faceup and places it next to the draw pile, forming the discard pile, then picks up a card from the draw pile. Each player should always have three cards in her hand.

The next person discards on top of the first person's card and calls out the total of the two cards, i.e. if the first discard was a five and the second a three, the total called out is eight.

Play continues with the total never going beyond ninety-nine. Players use their fours, which reverse the direction of play, their tens, which can add or subtract ten from the total and their nines, which let them pass on their turn, to keep the game going after a king is played or the total otherwise reaches ninety-nine.

If the player forgets to pick a card from the draw pile before the next player has discarded, the group yells "Neener, neener," and that player has to play the rest of the game with just two cards.

When a player cannot discard without going over ninety-nine, she must ante one peanut or penny into the winner's pot, and a new game begins.
Play continues until all but one person has lost all her peanuts. The remaining player wins the pot.