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   <channel>
      <title>Debt Traps by </title>
      <link>https://padlet.com/danielireton/b2mefzodcafw</link>
      <description>By: Daniel Ireton</description>
      <language>en-us</language>
      <pubDate>2020-03-28 15:42:54 UTC</pubDate>
      <lastBuildDate>2026-01-18 11:28:20 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
      <image>
         <url></url>
      </image>
      <item>
         <title>Website #1</title>
         <author>danielireton</author>
         <link>https://padlet.com/danielireton/b2mefzodcafw/wish/479732507</link>
         <description><![CDATA[<div>This article reflects how quickly a persons finances can get out of control and becomes uncontrollable. The interest rate and the homeowner expenses and the lack of financial income can cause the homeowner to look for alternatives like credit cards. </div>]]></description>
         <enclosure url="https://www.macleans.ca/economy/realestateeconomy/how-canadian-homes-became-debt-traps/" />
         <pubDate>2020-03-28 15:53:20 UTC</pubDate>
         <guid>https://padlet.com/danielireton/b2mefzodcafw/wish/479732507</guid>
      </item>
      <item>
         <title>Website #2</title>
         <author>danielireton</author>
         <link>https://padlet.com/danielireton/b2mefzodcafw/wish/479738677</link>
         <description><![CDATA[<div>This website discusses the 5 top reasons why Canadians have uncontrollable debts. The credit cards  and the high interest rates seems to be the main reason and it enables Canadians to spend easily and becomes an addiction. </div>]]></description>
         <enclosure url="https://loanscanada.ca/debt/the-top-5-reasons-canadians-are-in-debt/" />
         <pubDate>2020-03-28 16:00:56 UTC</pubDate>
         <guid>https://padlet.com/danielireton/b2mefzodcafw/wish/479738677</guid>
      </item>
      <item>
         <title>Website #3</title>
         <author>danielireton</author>
         <link>https://padlet.com/danielireton/b2mefzodcafw/wish/479742039</link>
         <description><![CDATA[<div>This website is a government website that shows the steps to avoid falling into debt traps. It tries to teach people to separate their wants from their needs. It teaches them how to prioritize what they really need and also teaches them to set budgets and limits. </div>]]></description>
         <enclosure url="http://www.cnmag.ca/money-learn-how-to-budget-and-avoid-the-debt-trap/" />
         <pubDate>2020-03-28 16:05:03 UTC</pubDate>
         <guid>https://padlet.com/danielireton/b2mefzodcafw/wish/479742039</guid>
      </item>
      <item>
         <title>Website #4</title>
         <author>danielireton</author>
         <link>https://padlet.com/danielireton/b2mefzodcafw/wish/479744597</link>
         <description><![CDATA[<div>This website provides 3 videos that discuss how almost half of Canadians have uncontrollable debt. The cost of housing along with the credit cards and household debt half of Canadians are in deep financial trouble. </div>]]></description>
         <enclosure url="https://www.bnnbloomberg.ca/canadians-drowning-in-debt-as-47-struggle-to-cover-costs-mnp-1.1338497" />
         <pubDate>2020-03-28 16:08:23 UTC</pubDate>
         <guid>https://padlet.com/danielireton/b2mefzodcafw/wish/479744597</guid>
      </item>
      <item>
         <title>Video #1</title>
         <author>danielireton</author>
         <link>https://padlet.com/danielireton/b2mefzodcafw/wish/479754103</link>
         <description><![CDATA[<div>This video shows how if you end up with some misfortune or surprises, your finances can quickly spiral out of control. The Canadian people have a extremely high household debt rate over 20,000 dollars that doesn't include mortgages. </div>]]></description>
         <enclosure url="https://youtu.be/ZkJp-YywgTM" />
         <pubDate>2020-03-28 16:20:11 UTC</pubDate>
         <guid>https://padlet.com/danielireton/b2mefzodcafw/wish/479754103</guid>
      </item>
      <item>
         <title>Video #2</title>
         <author>danielireton</author>
         <link>https://padlet.com/danielireton/b2mefzodcafw/wish/479767585</link>
         <description><![CDATA[<div>This video is interesting as it shows the government debt rates prior to the coronavirus outbreak that we are currently in. It shows that even governments can have surprises and if they are not prepared, their debt can spiral out of control. </div>]]></description>
         <enclosure url="https://youtu.be/9EDX-Wcxpp4" />
         <pubDate>2020-03-28 16:36:24 UTC</pubDate>
         <guid>https://padlet.com/danielireton/b2mefzodcafw/wish/479767585</guid>
      </item>
      <item>
         <title>Video #3</title>
         <author>danielireton</author>
         <link>https://padlet.com/danielireton/b2mefzodcafw/wish/479789322</link>
         <description><![CDATA[<div>This video was from just before Black Friday in 2019. They discuss how the stress of the financial household debt  affects people and gives them stress at the holiday season. They also discuss how people are getting into trouble with lines of credit and home equity loans. </div>]]></description>
         <enclosure url="https://youtu.be/kLr64VPp2zk" />
         <pubDate>2020-03-28 17:03:02 UTC</pubDate>
         <guid>https://padlet.com/danielireton/b2mefzodcafw/wish/479789322</guid>
      </item>
      <item>
         <title>Video #4</title>
         <author>danielireton</author>
         <link>https://padlet.com/danielireton/b2mefzodcafw/wish/479793435</link>
         <description><![CDATA[<div>This is a video that shows how the average household debt is out of control and getting worse since the 1990's. The government and the bank of Canada have concerns about household debt. </div>]]></description>
         <enclosure url="https://youtu.be/Y4KN_eUq-qg" />
         <pubDate>2020-03-28 17:07:44 UTC</pubDate>
         <guid>https://padlet.com/danielireton/b2mefzodcafw/wish/479793435</guid>
      </item>
      <item>
         <title>Picture #1</title>
         <author>danielireton</author>
         <link>https://padlet.com/danielireton/b2mefzodcafw/wish/479798299</link>
         <description><![CDATA[<div>This is an interesting picture showing debt across the country. </div>]]></description>
         <enclosure url="https://images.app.goo.gl/GuaLgnzqUHayehMs6" />
         <pubDate>2020-03-28 17:13:23 UTC</pubDate>
         <guid>https://padlet.com/danielireton/b2mefzodcafw/wish/479798299</guid>
      </item>
      <item>
         <title>Picture #2</title>
         <author>danielireton</author>
         <link>https://padlet.com/danielireton/b2mefzodcafw/wish/479799413</link>
         <description><![CDATA[<div>This is a interesting picture. It shows all the different debt traps that people fall into. </div>]]></description>
         <enclosure url="https://images.app.goo.gl/76XU3t9RDcAezYWX9" />
         <pubDate>2020-03-28 17:14:46 UTC</pubDate>
         <guid>https://padlet.com/danielireton/b2mefzodcafw/wish/479799413</guid>
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