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      <title>Personal finance vocab by Chrishon McNeill</title>
      <link>https://padlet.com/chrmcn0910/bto3xux2hraf</link>
      <description></description>
      <language>en-us</language>
      <pubDate>2018-09-25 19:13:00 UTC</pubDate>
      <lastBuildDate>2018-10-15 18:52:43 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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      <item>
         <title>Wage</title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/285749348</link>
         <description><![CDATA[<div>a fixed regular payment, typically paid on a daily or weekly basis, made by an employer to an employee, especially to a manual or unskilled worker.</div>]]></description>
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         <pubDate>2018-09-25 19:18:39 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/285749348</guid>
      </item>
      <item>
         <title>Salary</title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/285752480</link>
         <description><![CDATA[<div>a fixed regular payment, typically paid on a monthly or biweekly basis but often expressed as an annual sum, made by an employer to an employee, especially a professional or white-collar worker.</div>]]></description>
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         <pubDate>2018-09-25 19:23:29 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/285752480</guid>
      </item>
      <item>
         <title>Gross Pay </title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/285753835</link>
         <description><![CDATA[<div>Gross salary is the term used to describe all of the money you've made while working at your job, figured before any deductions are taken for state and federal taxes, Social Security and health insurance.</div>]]></description>
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         <pubDate>2018-09-25 19:26:08 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/285753835</guid>
      </item>
      <item>
         <title>Net Play</title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/285754324</link>
         <description><![CDATA[<div>Net pay is the amount of pay remaining for issuance to an employee after deductions have been taken from the individual's gross pay.</div>]]></description>
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         <pubDate>2018-09-25 19:27:05 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/285754324</guid>
      </item>
      <item>
         <title>Disposable Income</title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/285755757</link>
         <description><![CDATA[<div>income remaining after deduction of taxes and other mandatory charges, available to be spent or saved as one wishes.</div>]]></description>
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         <pubDate>2018-09-25 19:30:22 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/285755757</guid>
      </item>
      <item>
         <title>Discretionary income</title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/285757291</link>
         <description><![CDATA[<div>income remaining after deduction of taxes, other mandatory charges, and expenditure on necessary items.</div>]]></description>
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         <pubDate>2018-09-25 19:34:21 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/285757291</guid>
      </item>
      <item>
         <title>Fixed expenses</title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286468484</link>
         <description><![CDATA[<div>A fixed expense is an expense that will be the same total amount regardless of changes in the amount of sales, production, or some other activity.</div>]]></description>
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         <pubDate>2018-09-27 12:42:02 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286468484</guid>
      </item>
      <item>
         <title>Variable expenses</title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286480512</link>
         <description><![CDATA[<div>expenses that can change depending on your use of products or services; they are somewhat unpredictable.</div>]]></description>
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         <pubDate>2018-09-27 13:04:14 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286480512</guid>
      </item>
      <item>
         <title>Budget</title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286486696</link>
         <description><![CDATA[<div>an estimate of income and expenditure for a set period of time.</div>]]></description>
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         <pubDate>2018-09-27 13:13:37 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286486696</guid>
      </item>
      <item>
         <title>Savings </title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286487188</link>
         <description><![CDATA[<div>the money one has saved, especially through a bank or official scheme.</div>]]></description>
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         <pubDate>2018-09-27 13:14:24 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286487188</guid>
      </item>
      <item>
         <title>Investing</title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286487721</link>
         <description><![CDATA[<div>expend money with the expectation of achieving a profit or material result by putting it into financial schemes, shares, or property, or by using it to develop a commercial venture.</div>]]></description>
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         <pubDate>2018-09-27 13:15:16 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286487721</guid>
      </item>
      <item>
         <title>Checking</title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286488130</link>
         <description><![CDATA[<div> The money is drawn from a bank account, also known as a checking<strong> </strong>account.</div>]]></description>
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         <pubDate>2018-09-27 13:15:57 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286488130</guid>
      </item>
      <item>
         <title>Credit Card </title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286488885</link>
         <description><![CDATA[<div>a small plastic card issued by a bank, business, etc., allowing the holder to purchase goods or services on credit.</div>]]></description>
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         <pubDate>2018-09-27 13:16:54 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286488885</guid>
      </item>
      <item>
         <title>Creditworthiness</title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286490151</link>
         <description><![CDATA[<div>a valuation performed by lenders that determines the possibility a borrower may default on his debt obligations.</div>]]></description>
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         <pubDate>2018-09-27 13:18:36 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286490151</guid>
      </item>
      <item>
         <title>Percentages Rates </title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286490698</link>
         <description><![CDATA[<div>the annual rate<strong> </strong>charged for borrowing or earned through an investment, and is expressed as a percentage that represents the actual yearly cost of funds over the term of a loan.</div>]]></description>
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         <pubDate>2018-09-27 13:19:21 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286490698</guid>
      </item>
      <item>
         <title>Credit report</title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286493232</link>
         <description><![CDATA[<div> a detailed report of an individual's credit history prepared by a credit bureau.</div>]]></description>
         <enclosure url="https://www.debt.org/wp-content/uploads/2012/11/Credit-Report.jpg" />
         <pubDate>2018-09-27 13:22:39 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286493232</guid>
      </item>
      <item>
         <title>Stock Market</title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286494143</link>
         <description><![CDATA[<div>a stock exchange.</div>]]></description>
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         <pubDate>2018-09-27 13:23:44 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286494143</guid>
      </item>
      <item>
         <title>Bonds</title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286494741</link>
         <description><![CDATA[<div><br>an agreement with legal force, in particular.</div>]]></description>
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         <pubDate>2018-09-27 13:24:32 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286494741</guid>
      </item>
      <item>
         <title>Tax</title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286497024</link>
         <description><![CDATA[<div>a compulsory contribution to state revenue, levied by the government on workers' income and business profits or added to the cost of some goods, services, and transactions.</div>]]></description>
         <enclosure url="http://www.hanrickcurran.com.au/wp-content/uploads/Tax-Cut.jpg" />
         <pubDate>2018-09-27 13:27:19 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286497024</guid>
      </item>
      <item>
         <title>Federal trade commission </title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286497917</link>
         <description><![CDATA[<div>a federal agency, established in 1914, that administers antitrust and consumer protection legislation in pursuit of free and fair competition in the marketplace.</div>]]></description>
         <enclosure url="https://upload.wikimedia.org/wikipedia/commons/thumb/6/69/Seal_of_the_United_States_Federal_Trade_Commission.svg/1200px-Seal_of_the_United_States_Federal_Trade_Commission.svg.png" />
         <pubDate>2018-09-27 13:28:36 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286497917</guid>
      </item>
      <item>
         <title>Identity Theft </title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286498386</link>
         <description><![CDATA[<div>the fraudulent acquisition and use of a person's private identifying information, usually for financial gain</div>]]></description>
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         <pubDate>2018-09-27 13:29:19 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286498386</guid>
      </item>
      <item>
         <title>Fraud </title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286498851</link>
         <description><![CDATA[<div>wrongful or criminal deception intended to result in financial or personal gain.</div>]]></description>
         <enclosure url="http://www.fedupusa.org/wp-content/uploads/2013/03/fraud.jpg" />
         <pubDate>2018-09-27 13:29:59 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286498851</guid>
      </item>
      <item>
         <title>Ponzi Schemes </title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286501547</link>
         <description><![CDATA[<div>a form of fraud in which belief in the success of a nonexistent enterprise is fostered by the payment of quick returns to the first investors from money invested by later investors.</div>]]></description>
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         <pubDate>2018-09-27 13:34:08 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286501547</guid>
      </item>
      <item>
         <title>Health Insurance </title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286502235</link>
         <description><![CDATA[<div> a type of<strong> insurance coverage</strong> that pays for medical and surgical expenses incurred by the insured.<strong> </strong></div>]]></description>
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         <pubDate>2018-09-27 13:35:15 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286502235</guid>
      </item>
      <item>
         <title>Life Insurance</title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286507022</link>
         <description><![CDATA[<div>insurance that pays out a sum of money either on the death of the insured person or after a set period.</div>]]></description>
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         <pubDate>2018-09-27 13:42:22 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286507022</guid>
      </item>
      <item>
         <title>Car Insurance</title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286507417</link>
         <description><![CDATA[<div>Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft.</div>]]></description>
         <enclosure url="https://a2z-insurance.com/wp-content/uploads/2016/09/17123248749_877f17713f_b.jpg" />
         <pubDate>2018-09-27 13:42:52 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286507417</guid>
      </item>
      <item>
         <title>Liability Insurance </title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286508043</link>
         <description><![CDATA[<div>Liability insurance is a part of the general insurance<strong> </strong>system of risk financing to protect the purchaser from the risks of liabilities imposed by lawsuits and similar claims.</div>]]></description>
         <enclosure url="http://smallbiztrends.com/wp-content/uploads/2013/05/liability-insurance-557x362.jpg" />
         <pubDate>2018-09-27 13:43:42 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286508043</guid>
      </item>
      <item>
         <title>Disability Insurance </title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286509036</link>
         <description><![CDATA[<div>Disability insurance is a type of insurance that will provide income in the event a worker is unable to perform their work and earn money due to a disability.</div>]]></description>
         <enclosure url="http://www.selectinsure.com.au/images/pakages/page/disability-insurance-10.png" />
         <pubDate>2018-09-27 13:44:58 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286509036</guid>
      </item>
      <item>
         <title>Standard of Living</title>
         <author>chrmcn0910</author>
         <link>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286509824</link>
         <description><![CDATA[<div>the degree of wealth and material comfort available to a person or community.</div>]]></description>
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         <pubDate>2018-09-27 13:46:07 UTC</pubDate>
         <guid>https://padlet.com/chrmcn0910/bto3xux2hraf/wish/286509824</guid>
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