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      <title>My Life Board by Alondra Osorio</title>
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      <language>en-us</language>
      <pubDate>2018-02-08 15:28:32 UTC</pubDate>
      <lastBuildDate>2025-12-08 11:43:57 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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         <title>Location Decision Making</title>
         <author>aosor207</author>
         <link>https://padlet.com/aosor207/i30wbdfz24k6/wish/229624031</link>
         <description><![CDATA[]]></description>
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         <pubDate>2018-02-08 15:34:02 UTC</pubDate>
         <guid>https://padlet.com/aosor207/i30wbdfz24k6/wish/229624031</guid>
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         <title>SAVINGS AND INVESTING</title>
         <author>aosor207</author>
         <link>https://padlet.com/aosor207/i30wbdfz24k6/wish/257677037</link>
         <description><![CDATA[<div>;;</div>]]></description>
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         <pubDate>2018-05-03 14:32:39 UTC</pubDate>
         <guid>https://padlet.com/aosor207/i30wbdfz24k6/wish/257677037</guid>
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         <title>RETIREMENT</title>
         <author>aosor207</author>
         <link>https://padlet.com/aosor207/i30wbdfz24k6/wish/257677831</link>
         <description><![CDATA[<div>PLAN:<br>Start by;; June 2020<br>1. Set up </div>]]></description>
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         <pubDate>2018-05-03 14:34:06 UTC</pubDate>
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         <title>BANKING AND FINANCIAL SERVICES</title>
         <author>aosor207</author>
         <link>https://padlet.com/aosor207/i30wbdfz24k6/wish/259297211</link>
         <description><![CDATA[<div>Bank;;<br><br>Why I chose this bank</div>]]></description>
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         <pubDate>2018-05-09 14:27:38 UTC</pubDate>
         <guid>https://padlet.com/aosor207/i30wbdfz24k6/wish/259297211</guid>
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         <title>BUYING GOODS AND SERVICES - HOME BUYING</title>
         <author>aosor207</author>
         <link>https://padlet.com/aosor207/i30wbdfz24k6/wish/259298433</link>
         <description><![CDATA[<div>Cost of home equals;<br><br>20% down payment equals;<br><br>Property Taxes equals;<br>Loan amount (amount financing) equals;<br><br>Monthly payments equals;<br><br>RELECTION;</div>]]></description>
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         <pubDate>2018-05-09 14:30:01 UTC</pubDate>
         <guid>https://padlet.com/aosor207/i30wbdfz24k6/wish/259298433</guid>
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         <title>USING CREDIT</title>
         <author>aosor207</author>
         <link>https://padlet.com/aosor207/i30wbdfz24k6/wish/259300067</link>
         <description><![CDATA[<div>Credit card name; Visa and Chase<br><br>Why?- Because both of my parents use that credit card and I have heard things about the credit card.<br><br>Benefits/Information;&nbsp;<br><br><br><br>A Robust 50,000 Point Sign-Up Bonus. The Chase Sapphire Preferred has one of the strongest standard sign-up bonuses among all travel rewards credit cards. You can earn 50,000 Ultimate Rewards points after spending $4,000. Plus, earn 5,000 points when you add an additional user for a total of 55,000 bonus points. (Chase)<br><br>APH equals;; 11.49%-23.49% (Visa)<br><br>16.49 %–25.24 % (Chase)<br><br>Annual fees;&nbsp;<br>$0 (Visa)<br><br>$0 intro annual fee for the first year, after that $95. (Chase)<br><br>Penalties;<br>$10.00 or the amount of the required minimum payment, whichever is less, if you are 30 or more days late in making a payment. $25.00 or the amount of the required minimum payment, whichever is less.<br>(Visa)<br><br>In some cases, the fee will be a flat rate of up to $35. In other instances, the fees can be tiered. For example, the late fee for the Chase Freedom card can be up to $15 if the balance is less than $100, up to $25 if the balance is $100 to less than $250; up to $35 if the balance is $250 or more. (Chase)<br><br>Rewards;<br>Visa Rewards Redemption is designed to allow consumers to redeem their participating loyalty program rewards points on mobile device, online or in store by simply using their linked Visa cards, creating a more seamless shopping experience. (Visa)</div>]]></description>
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         <pubDate>2018-05-09 14:33:09 UTC</pubDate>
         <guid>https://padlet.com/aosor207/i30wbdfz24k6/wish/259300067</guid>
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         <title>PROTECTING AT RISKS</title>
         <author>aosor207</author>
         <link>https://padlet.com/aosor207/i30wbdfz24k6/wish/259302093</link>
         <description><![CDATA[<div>;;</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-05-09 14:37:11 UTC</pubDate>
         <guid>https://padlet.com/aosor207/i30wbdfz24k6/wish/259302093</guid>
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         <title>HEALTH INSURANCE</title>
         <author>aosor207</author>
         <link>https://padlet.com/aosor207/i30wbdfz24k6/wish/259302288</link>
         <description><![CDATA[<div>HI;;<br><br>Type and other details;<br><br>Why/Reflection;</div>]]></description>
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         <pubDate>2018-05-09 14:37:34 UTC</pubDate>
         <guid>https://padlet.com/aosor207/i30wbdfz24k6/wish/259302288</guid>
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