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      <title>Personal Finance by </title>
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      <description>Two truths and one lie.........</description>
      <language>en-us</language>
      <pubDate>2019-04-23 10:15:31 UTC</pubDate>
      <lastBuildDate>2019-04-23 14:29:14 UTC</lastBuildDate>
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         <title>Laura, Aaliyah, yUcKy🤢🤢</title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353374917</link>
         <description><![CDATA[<div>1) Bankruptcy is seeking money to relieve debts.<br>2) Investment is money made when one takes a risk.<br>3) Credit is spending money now, and agreeing to pay it back later.</div>]]></description>
         <pubDate>2019-04-23 14:18:08 UTC</pubDate>
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         <title>Autumn and Abbey </title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353374960</link>
         <description><![CDATA[<div>1.Budget should include all of your money <br><br><br><br></div>]]></description>
         <pubDate>2019-04-23 14:18:13 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353374960</guid>
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         <title></title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353375413</link>
         <description><![CDATA[<div>kahiga &amp; Acetaly<br>1. Credit is bad</div>]]></description>
         <pubDate>2019-04-23 14:19:10 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353375413</guid>
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      <item>
         <title>2 truths and a lie</title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353375500</link>
         <description><![CDATA[]]></description>
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         <pubDate>2019-04-23 14:19:19 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353375500</guid>
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         <title></title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353375740</link>
         <description><![CDATA[<div>1) Inflation is a rate that which general level of goods and services rise. (Rylee and Maggie)</div>]]></description>
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         <pubDate>2019-04-23 14:19:52 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353375740</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353375745</link>
         <description><![CDATA[<div>401k is provided by all companies </div>]]></description>
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         <pubDate>2019-04-23 14:19:52 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353375745</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353375775</link>
         <description><![CDATA[<div>Autumn and Abbey<br>2. All debt is bad</div>]]></description>
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         <pubDate>2019-04-23 14:19:55 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353375775</guid>
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      <item>
         <title>Jack and Evan</title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353375792</link>
         <description><![CDATA[<div>1. It is good to pay debt ASAP</div>]]></description>
         <pubDate>2019-04-23 14:19:57 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353375792</guid>
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      <item>
         <title>Tyler and Joey</title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353375853</link>
         <description><![CDATA[<div>A budget allows you to manage your financial expenses.</div>]]></description>
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         <pubDate>2019-04-23 14:20:06 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353375853</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353375928</link>
         <description><![CDATA[<div>All debt is good. (Rylee and Maggie)</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:20:16 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353375928</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353375939</link>
         <description><![CDATA[<div>Autumn and Abbey<br>3. Income can help entrepreneurs</div>]]></description>
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         <pubDate>2019-04-23 14:20:17 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353375939</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376029</link>
         <description><![CDATA[<div>kahiga &amp; Acetaly<br>2. Not investing is bad</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:20:29 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376029</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376066</link>
         <description><![CDATA[<div>Budgeting is good if you are planning on saving </div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:20:33 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376066</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376094</link>
         <description><![CDATA[<div>1. Budgeting helps you spend without going over your income </div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:20:37 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376094</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376111</link>
         <description><![CDATA[<div>Tyler G and Brock J<br>1 Budgets help people manage their money<br>2 Debt is always bad<br>3 CDs make more money than savings accounts</div>]]></description>
         <pubDate>2019-04-23 14:20:39 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376111</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376271</link>
         <description><![CDATA[<div>Surplus is when quantity supplied is greater than demanded. (Rylee and Maggie)</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:20:57 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376271</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376285</link>
         <description><![CDATA[<div>Retirement savings should be started as soon as possible </div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:20:59 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376285</guid>
      </item>
      <item>
         <title>Tyler and Joey</title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376293</link>
         <description><![CDATA[<div>Credit allows you to pay immediately and debit allows you to pay later.</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:21:01 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376293</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376294</link>
         <description><![CDATA[<div><br>2. Credit Cards don’t charge interest </div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:21:01 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376294</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376323</link>
         <description><![CDATA[<div>kahiga &amp; Acetaly<br>3. Savings are good</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:21:05 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376323</guid>
      </item>
      <item>
         <title>J Sebas 4 josh</title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376406</link>
         <description><![CDATA[<div>Budgets do not include expenses</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:21:14 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376406</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376440</link>
         <description><![CDATA[<div>up to 20,000 dollars in any bank account is insured by the government.</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:21:17 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376440</guid>
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      <item>
         <title>Two lies One truth Vinay and Preston</title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376451</link>
         <description><![CDATA[<div>You put money in savings and withdraw more than you deposited after a certain amount of time.<br>When you use a credit card you are paying with your own money. <br>When you buy a house with a mortgage you are in debt.</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:21:18 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376451</guid>
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      <item>
         <title>Carolyn and Brenna</title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376465</link>
         <description><![CDATA[<div>Budgeting keeps you from overspending<br>1<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:21:20 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376465</guid>
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         <title>Jack and Evan</title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376518</link>
         <description><![CDATA[<div>2.It is always good to buy on credit</div>]]></description>
         <pubDate>2019-04-23 14:21:26 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376518</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376568</link>
         <description><![CDATA[<div>3. Using credit cards can put you in debt if you don’t pay the money you borrowed back</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:21:35 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376568</guid>
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      <item>
         <title>Tyler and Joey</title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376625</link>
         <description><![CDATA[<div>A 401k is an employer sponsored retirement plan.</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:21:44 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376625</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376743</link>
         <description><![CDATA[<div>An experienced investor can make up to double the interest rate provided by most banks.</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:21:56 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376743</guid>
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      <item>
         <title>Hana and elaina</title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376795</link>
         <description><![CDATA[<div>1.Budgeting is  a way to help control your money<br>2.Expenditures is the money you receive <br>3.Dont spend money you don’t have </div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:22:04 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376795</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376875</link>
         <description><![CDATA[<div>A 401k is a saving plan for retirement.</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:22:15 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376875</guid>
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      <item>
         <title>Jack and Evan</title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376920</link>
         <description><![CDATA[<div>3.Debt can lead to bankruptcy </div>]]></description>
         <pubDate>2019-04-23 14:22:21 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353376920</guid>
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      <item>
         <title>J sebaz 4 josh</title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353377098</link>
         <description><![CDATA[<div>Credit can lead to dept if not payed off on time</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:22:48 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353377098</guid>
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      <item>
         <title>Carolyn and Brenna</title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353377270</link>
         <description><![CDATA[<div>2. Debt is beneficial in the long run</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:23:10 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353377270</guid>
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      <item>
         <title>Jj sebaz 4 josh </title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353378364</link>
         <description><![CDATA[<div>Savings account provide the highest interest rate</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:24:27 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353378364</guid>
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      <item>
         <title>Carolyn and Brenna</title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353378606</link>
         <description><![CDATA[<div>3. savings help for an unexpected large payment</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:24:39 UTC</pubDate>
         <guid>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353378606</guid>
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      <item>
         <title>Liam and Ansley</title>
         <author></author>
         <link>https://padlet.com/elizabethfoy/ow6fe53g7u1h/wish/353381486</link>
         <description><![CDATA[<div>1 up to 20000 in any bank account is insured by the government <br>2 an experienced investor can expect to make at least double the interest than with most banks<br>3 a 401k is a savings plan for retirement  </div>]]></description>
         <enclosure url="" />
         <pubDate>2019-04-23 14:29:14 UTC</pubDate>
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