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      <title>Financial Knowledge by Nick Morris</title>
      <link>https://padlet.com/nickmorris2495/71a2ft1z2n00</link>
      <description>Made with eyes on the prize</description>
      <language>en-us</language>
      <pubDate>2019-01-07 15:47:52 UTC</pubDate>
      <lastBuildDate>2025-11-25 16:36:53 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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      <item>
         <title>open end credit</title>
         <author>nickmorris2495</author>
         <link>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317917212</link>
         <description><![CDATA[<div>Pre-approved loan between a financial institution and borrower that may be used repeatedly up to a certain limit and can subsequently be paid back prior to payments coming due  </div>]]></description>
         <enclosure url="" />
         <pubDate>2019-01-07 15:48:39 UTC</pubDate>
         <guid>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317917212</guid>
      </item>
      <item>
         <title>closed end credit</title>
         <author>nickmorris2495</author>
         <link>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317919354</link>
         <description><![CDATA[<div>A loan for a specific amount that must be repaid in full including all finance charges, by a stated due age</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-01-07 15:51:48 UTC</pubDate>
         <guid>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317919354</guid>
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      <item>
         <title>Student loans</title>
         <author>nickmorris2495</author>
         <link>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317920049</link>
         <description><![CDATA[<div>Type of loan designed to help students pay for post-secondary education and the associated fees</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-01-07 15:52:55 UTC</pubDate>
         <guid>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317920049</guid>
      </item>
      <item>
         <title>mortgages</title>
         <author>nickmorris2495</author>
         <link>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317920549</link>
         <description><![CDATA[<div>Legal agreement by which a bank or other creditor lends money at interest in exchange for taking title of the debtors property</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-01-07 15:53:47 UTC</pubDate>
         <guid>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317920549</guid>
      </item>
      <item>
         <title>Auto loans</title>
         <author>nickmorris2495</author>
         <link>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317921752</link>
         <description><![CDATA[<div>a personal loan to purchase an automobile</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-01-07 15:55:31 UTC</pubDate>
         <guid>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317921752</guid>
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      <item>
         <title>personal loans</title>
         <author>nickmorris2495</author>
         <link>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317922086</link>
         <description><![CDATA[<div>A loan granted for personal use</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-01-07 15:55:59 UTC</pubDate>
         <guid>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317922086</guid>
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      <item>
         <title>Loans for veterans</title>
         <author>nickmorris2495</author>
         <link>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317922401</link>
         <description><![CDATA[<div>Mortgage loans for vets</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-01-07 15:56:27 UTC</pubDate>
         <guid>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317922401</guid>
      </item>
      <item>
         <title>Small business loan</title>
         <author>nickmorris2495</author>
         <link>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317922681</link>
         <description><![CDATA[<div>Loans used specifically to start a business </div>]]></description>
         <enclosure url="" />
         <pubDate>2019-01-07 15:56:51 UTC</pubDate>
         <guid>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317922681</guid>
      </item>
      <item>
         <title>Payday loans</title>
         <author>nickmorris2495</author>
         <link>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317923144</link>
         <description><![CDATA[<div>small amount of money lent at a high interest on the agreement that it will be repaid when the borrower receives their next paycheck  </div>]]></description>
         <enclosure url="" />
         <pubDate>2019-01-07 15:57:26 UTC</pubDate>
         <guid>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317923144</guid>
      </item>
      <item>
         <title>Borrowing from retirement</title>
         <author>nickmorris2495</author>
         <link>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317924986</link>
         <description><![CDATA[<div>A policy loan issued by an insurance company that uses that cash value of a persons life insurance policy as collateral</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-01-07 16:00:01 UTC</pubDate>
         <guid>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317924986</guid>
      </item>
      <item>
         <title>Consolidation loans</title>
         <author>nickmorris2495</author>
         <link>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317925887</link>
         <description><![CDATA[<div>Taxing out a new loan to pay off a number of liabilities and consumer debts </div>]]></description>
         <enclosure url="" />
         <pubDate>2019-01-07 16:01:25 UTC</pubDate>
         <guid>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317925887</guid>
      </item>
      <item>
         <title>Borrowing from friends and family</title>
         <author>nickmorris2495</author>
         <link>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317926660</link>
         <description><![CDATA[<div>Loans that a business owner gets from friends or family</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-01-07 16:02:28 UTC</pubDate>
         <guid>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317926660</guid>
      </item>
      <item>
         <title>cash Advances</title>
         <author>nickmorris2495</author>
         <link>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317927563</link>
         <description><![CDATA[<div>A service allowing credit card holders to withdraw cash from an ATM or over the counter register</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-01-07 16:03:42 UTC</pubDate>
         <guid>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317927563</guid>
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      <item>
         <title>Home Equity Loans</title>
         <author>nickmorris2495</author>
         <link>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317944658</link>
         <description><![CDATA[<div>Type of loan which the borrower uses the equity of their home as collateral</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-01-07 16:30:49 UTC</pubDate>
         <guid>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317944658</guid>
      </item>
      <item>
         <title>Credit Cards</title>
         <author>nickmorris2495</author>
         <link>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317945382</link>
         <description><![CDATA[<div>Small plastic cards allowing the holder to buy goods and services with credit</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-01-07 16:32:04 UTC</pubDate>
         <guid>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317945382</guid>
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      <item>
         <title>Examples</title>
         <author>nickmorris2495</author>
         <link>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317946350</link>
         <description><![CDATA[<div>1.Credit cards - Visa<br>2.Mortgage - 30 Year fixed loan plan<br>3. Student Loan - Credible is a loaning company<br>4. open end credit - Credit cards<br>5. Closed end loan - 1st time home buyer loan<br>6. personal loan - A loan to pay off credit cards<br>7. loans for vets - A bank gives a loan to a vet so they can buy a new house<br>8. Cash Advances - Using a credit card to withdraw $20 from a gas station register<br>9.</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-01-07 16:33:48 UTC</pubDate>
         <guid>https://padlet.com/nickmorris2495/71a2ft1z2n00/wish/317946350</guid>
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