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   <channel>
      <title>Savings by Shubham Mingwal</title>
      <link>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx</link>
      <description>Factors use to evaluate various saving plans</description>
      <language>en-us</language>
      <pubDate>2020-11-30 02:41:18 UTC</pubDate>
      <lastBuildDate>2025-09-03 10:07:08 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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      <item>
         <title>Welcome to saving plans</title>
         <author>shubhammingi</author>
         <link>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969818314</link>
         <description><![CDATA[<div>Savings is a essential part of humans as the money we save helps us in difficult times of our life.<br>In this topic I will discuss about different factors to see when considering a savings plan.</div>]]></description>
         <enclosure url="" />
         <pubDate>2020-11-30 02:51:05 UTC</pubDate>
         <guid>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969818314</guid>
      </item>
      <item>
         <title>Video #1</title>
         <author>shubhammingi</author>
         <link>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969827426</link>
         <description><![CDATA[<div>I posted this video as it gives a detail explanation of the RESP grant in Canada provided by the govt. of Canada.<br>In this video it gives a detail overview that a student gets a total of 7,200 of grant according to the salary of the household.<br>if the salary is above or equal to 45916 cesg on the first 500$ of annual resp contribution is 40% and 30% and 20% respected to equal to 91831 and above 91831 salary.<br>I choose this video as it give a brief overview over the topic and in also in a short video.</div>]]></description>
         <enclosure url="https://youtu.be/jJyiBCw-iSg" />
         <pubDate>2020-11-30 02:57:30 UTC</pubDate>
         <guid>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969827426</guid>
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      <item>
         <title>Video #2</title>
         <author>shubhammingi</author>
         <link>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969840570</link>
         <description><![CDATA[<div>This video gives information about the TFSA  savings account  which gives you a account to save a limited amount of your earning per year also these accounts are good to hold bonds or shares as the there will be no tax on the dividend but it has a limit per year given by the cra per year and its not the same every year .<br>I choose this video as it gives small details about the account as the dividend from the usa shares have a 15% of the tax and also gives the limit given every year and also about the age limit for the account which many people dont know.</div>]]></description>
         <enclosure url="https://youtu.be/fcQVmZp0G-Y" />
         <pubDate>2020-11-30 03:06:50 UTC</pubDate>
         <guid>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969840570</guid>
      </item>
      <item>
         <title>Video #3</title>
         <author>shubhammingi</author>
         <link>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969863729</link>
         <description><![CDATA[<div>This video explains us the different saving plans in Canada according to the banks and the perks to invest in these banks.<br>This video came good for me as it has all the small perks the banks provided by the banks and these are different for every bank.</div>]]></description>
         <enclosure url="https://youtu.be/ZFkKYZBUs58" />
         <pubDate>2020-11-30 03:23:08 UTC</pubDate>
         <guid>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969863729</guid>
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      <item>
         <title>Video #4</title>
         <author>shubhammingi</author>
         <link>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969867442</link>
         <description><![CDATA[<div>This video is for elderly people or people about to come to retirement and the explanation is quite simple and informative.<br> For me this video is good as if i had to give some elder person information about savings for retirement this video gives graphical explanation for savings.</div>]]></description>
         <enclosure url="https://youtu.be/OnSZaHtJhec" />
         <pubDate>2020-11-30 03:25:44 UTC</pubDate>
         <guid>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969867442</guid>
      </item>
      <item>
         <title>Website #1</title>
         <author>shubhammingi</author>
         <link>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969879058</link>
         <description><![CDATA[<div>This website shows tips and tricks to save your money in away to make it grow.<br>It shows Dieferent article for different kind of saving accourding to the requirement of the person like  Principal-Protected Investments, Mutual funds, ETF, RRSP and more.<br>For me the article I likes the most was the Mutual funds one as it explains about mutual funds and at my age these kind of side savings are always good.<br><br></div>]]></description>
         <enclosure url="https://www.nbc.ca/personal/advice/immigration/managing-your-money-wisely-in-canada.html" />
         <pubDate>2020-11-30 03:34:20 UTC</pubDate>
         <guid>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969879058</guid>
      </item>
      <item>
         <title>Website #2</title>
         <author>shubhammingi</author>
         <link>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969888432</link>
         <description><![CDATA[<div>This is the official cra website which have articles for different saving plans for people in canada provided by the government of Canada. It have articles about the tax free saving account, a plan for retirement savings also a plan for education saving and savings for disables .<br>I read the Tax free savings account as that might be a lot help-full for me for savings as well as investments like bonds and shares .</div>]]></description>
         <enclosure url="https://www.canada.ca/en/financial-consumer-agency/services/financial-toolkit/saving/saving-2/5.html" />
         <pubDate>2020-11-30 03:41:21 UTC</pubDate>
         <guid>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969888432</guid>
      </item>
      <item>
         <title>Website #3</title>
         <author>shubhammingi</author>
         <link>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969897947</link>
         <description><![CDATA[<div>This article tells us about the GIC plans offered by different banks and saving agencies. this article tells us about the details of a gic savings and how it is a very low risk investment with mostly a high and fixed interest rate .<br>I like the articles question for a person wanting to invest and if this investment is right for him as I myself looking to invest in this savings.</div>]]></description>
         <enclosure url="https://westernfinancialgroup.ca/What-are-GICs-and-how-do-they-work" />
         <pubDate>2020-11-30 03:48:43 UTC</pubDate>
         <guid>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969897947</guid>
      </item>
      <item>
         <title>Website #4</title>
         <author>shubhammingi</author>
         <link>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969906681</link>
         <description><![CDATA[<div>This website is a calculator which calculates different interests for different savings plans in banks and gives the return value for the year and also it compares the investment plans as to get the best one suited for you.<br>For me I can calculate and compare different saving plans to get the beat for me</div>]]></description>
         <enclosure url="https://www.moneysense.ca/save/banking/best-savings-accounts/" />
         <pubDate>2020-11-30 03:55:36 UTC</pubDate>
         <guid>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969906681</guid>
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      <item>
         <title>Image #1</title>
         <author>shubhammingi</author>
         <link>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969913215</link>
         <description><![CDATA[<div>This image show in a metaphorical way as a child saves money in jars for there different wishes we all should save some money for our retirement, house, vacation, college and other and should look around to find the best saving plans. </div>]]></description>
         <enclosure url="https://www.gssd.ca/About/parentpublic/cesp/PublishingImages/Pages/default/Savings.jpg" />
         <pubDate>2020-11-30 04:00:46 UTC</pubDate>
         <guid>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969913215</guid>
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      <item>
         <title>Image #2</title>
         <author>shubhammingi</author>
         <link>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969916281</link>
         <description><![CDATA[<div>This image shows us the different things we should look before investing in a savings plan. All  of these factors affect the  flexibility and the result of the saving plan. </div>]]></description>
         <enclosure url="https://www.economicshelp.org/wp-content/uploads/2019/04/saving-levels.png" />
         <pubDate>2020-11-30 04:03:06 UTC</pubDate>
         <guid>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969916281</guid>
      </item>
      <item>
         <title>Reflective Questions</title>
         <author>shubhammingi</author>
         <link>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969940227</link>
         <description><![CDATA[]]></description>
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         <pubDate>2020-11-30 04:20:35 UTC</pubDate>
         <guid>https://padlet.com/shubhammingi/fvnjsut7xf0lp5nx/wish/969940227</guid>
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