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Use this handout with students to practice setting, characters, and plot structure. I recommend reading the story aloud to students first and then allow them to read it a second time on their own, annotating in the margins to mark each plot element (Freytag's Pyramid) and answering the questions about setting and characters. This is also a great story to start talking about theme!
"Fixed Income" by Sherman Alexie has some mature language. I recommend previewing the story before reading it with your students.