Comprehension check
Ask learners to do the exercise. Discuss the responses with the whole class.

Vocabulary
Ask the class to read and practice the vocabulary words. Then ask them to fill in the blanks with the appropriate words. Make a class list, naming some
different nonprofit organizations, financial
institutions, and government agencies in your community. Point out that federal, state, and local government agencies are present.

Talk about it!
Prompt a discussion of the differences between a fixed- rate and an adjustable-rate mortgage loan. Learners may want to refer to definitions on this page. Assign learners to groups and have them list the advantages and disadvantages for both types of loans.