L11 YOU SHOULD GO TO THE BANK By the end of the lesson, students will be able to: • Give advice using should and shouldn’t • Talk about financial topics What to bring to class: • Table tents / paper to write student name or name tags • Real objects for vocabulary section (such as a checkbook, deposit slips, blank money order form or sample budget) • Hand mirror to show mouth shapes • Photo copies of blank money order forms for Real Life/Your Life activity (optional) • Prepared chart for Activity J example • The Immigrant Guide to supplement the Culture Tip conversation • Pronunciation Fun to supplement the pronunciation activities
Warm-up: Greet students. Practice the material from last class by asking a few questions using the grammar and vocabulary. Review homework from last lesson. Listening Track 13 Cathy: Hey Orlando. How are you doing? Orlando: Hi Cathy. I’m okay, but I’m a little overwhelmed. Cathy: Why? What’s going on? Orlando: I’m trying to buy a house. It’s my first time, so I’m learning what I need to do. It’s stressful! Cathy: Wow – yeah that is stressful, but also exciting! I remember when I bought my first house. Orlando: How was it for you? Cathy: I was excited and also nervous. Did you apply for a loan yet? Orlando: Not yet. What should I do to apply for a loan? Cathy: Well, first you should make a budget so you know how much you want to apply for. Orlando: Okay. Then what? Cathy: Then you should go to a bank and talk to a representative there about mortgage loans. Orlando: Should I withdraw all the money from my savings account so I can pay for the deposit on the new house? Cathy: No, you shouldn’t do that. You’ll need to have money in your account to apply for the loan. Orlando: Oh really? Thank you for giving me this advice! I feel more relaxed now.
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Teacher notes: Use the following suggested definitions for the vocabulary that may be challenging to explain for 3L students: • interest rates - the percent of money you make on an investment • loan - money (or other thing) that you borrow • money order - a paper that you can use to send money • cashier’s check - a check signed by a bank, not a person