final char ONE = '1';
final char TWO = '2';
final char THREE = '3';
public String convertMoney(double money){
   String str = ""+money;
   StringTokenizer tokenizer = new StringTokenizer(str, ".");
   
   String first_digits = tokenizer.nextToken();
   int num_digits = first_digits.length();
   
   String largest_pos = "";
   if(num_digits == 4)
      largest_pos = "thousand";
   else if(num_digits == 3)
      largest_pos = "hundred";
   else
      largest_pos = "";
   String leading_digit = "";
   String ret_value = "";
   for(int i = 0; i < num_digits; i++){
      leading_digit = first_digit.charAt(i);
      //  pseudo -
      if(leading_digit == ONE)
         ret_value = ret_value+leading_digit+" "+largest_pos+...;
   }
   return ret_value;
}

    private static String[] splitMe(long l) {
        String s = "" + l;
        int div = 2;
        java.util.ArrayList<String> result = new java.util.ArrayList<String>();
        while (s.length() > 0) {
            String sright = s.substring(Math.max(s.length()-div, 0));
            s = s.substring(0, Math.max(0, s.length()-div));
            div = div == 2 ? 1 : 2;
            result.add(sright);
        }
        return result.toArray(new String[result.size()]);
    }

String[] names = new String[]{"", "hundred", "thousand", "hundred", "million", "hundred", "million", "hundred", "billion", "hundred"};