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   <channel>
      <title>S3 BAFS by Virginia Ng</title>
      <link>https://padlet.com/BAFS/3M_Personal_Finance</link>
      <description></description>
      <language>en-us</language>
      <pubDate>2016-04-05 07:22:51 UTC</pubDate>
      <lastBuildDate>2017-03-29 01:53:45 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
      <image>
         <url>https://padlet-assets.storage.googleapis.com/portrait/pocketwatch.jpg</url>
      </image>
      <item>
         <title>Please view the 5-minute video and write down your comments.</title>
         <author>BAFS</author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/104060754</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.youtube.com/watch?v=AjTwcQYgISA" />
         <pubDate>2016-04-05 07:03:13 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/104060754</guid>
      </item>
      <item>
         <title>3M18 Chu Wai San, Jacky</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/104780579</link>
         <description><![CDATA[<div>What is money? We explore how money originates out of a barter system and the five characteristics of money: divisibility, portability, durability, recognizability, and scarcity.</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-08 12:05:20 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/104780579</guid>
      </item>
      <item>
         <title>hihihhihihihihiihhhihihihiii</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/105290419</link>
         <description><![CDATA[<div>hihihihihiihihihihihih</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-12 12:19:43 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/105290419</guid>
      </item>
      <item>
         <title>3M17 Cheng Tsz Hon, Ivan</title>
         <author>ivancheng73</author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/106255444</link>
         <description><![CDATA[<div>People use trading to satisfy for their wants.As diamond are discovered , they use diamond to buy something. And money have 5 characteristics : 1.Divisible 2.Portable 3.Durable 4. Regonizable&nbsp;<br>5.Scarce&nbsp;<br>&nbsp;&nbsp;</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-18 09:29:52 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/106255444</guid>
      </item>
      <item>
         <title>3M24 Lin Chu Kin, Healthy</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/106301670</link>
         <description><![CDATA[<div>It is more convenience after people use money to transaction. If we still use barter system nowadays, it will be very confusing as we cannot find what we want.</div><pre><br></pre><div><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-18 13:37:30 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/106301670</guid>
      </item>
      <item>
         <title>3M31 Wong Siu Yip,Lucas</title>
         <author>luffywong12138</author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/106311250</link>
         <description><![CDATA[<div>People use trading for satisfy their wants. Now we have money which is the medium of exchange. Money must be divisible ,portable durable,recognizable and scarce.&nbsp;</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-18 14:08:41 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/106311250</guid>
      </item>
      <item>
         <title>3M22 Lam Chung Yat,Samuel</title>
         <author>samuelyat501</author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/106342248</link>
         <description><![CDATA[<div>money is very important and useful in our daily lives! we will use money for transaction. we will use the barter system to have the trading with other company. There are some of the characteristics of the money. For instance,Divisible ,Portable,Durable etc</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-18 15:55:59 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/106342248</guid>
      </item>
      <item>
         <title>Task 2: please view the 3-minute video before the lesson. There will be a 5-minute Quiz at class.</title>
         <author>BAFS</author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/106455914</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.youtube.com/watch?v=u8rVXZ1XARE" />
         <pubDate>2016-04-19 05:36:19 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/106455914</guid>
      </item>
      <item>
         <title>3M34 Yeung Tak Chung</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/106500662</link>
         <description><![CDATA[<div>Money, money, money. People always talk about money.We all know that we can do nothing if we have no money. Yet, why money is such important? It is because it is the only thing that can solve the exchange problem and it will be more important in the future</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-19 11:12:13 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/106500662</guid>
      </item>
      <item>
         <title>3M18 Chu Wai San, Jacky</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/106508479</link>
         <description><![CDATA[<div>This video provides 10 useful tips to help you write a cheque correctly. We must write our cheque carefully and correctly. Otherwise you will lose your money!</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-19 11:56:42 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/106508479</guid>
      </item>
      <item>
         <title>intersting video</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/106514267</link>
         <description><![CDATA[<div>very good to us</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-19 12:26:58 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/106514267</guid>
      </item>
      <item>
         <title>3M16 Chan Ka Wong</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107338640</link>
         <description><![CDATA[<div>money is important to us ,many things are related to money, so we should learn how to use the money correctly</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-23 01:43:57 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107338640</guid>
      </item>
      <item>
         <title>3M15 Yip Cheuk Ling</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107759784</link>
         <description><![CDATA[<div>Cheque is and alternative things that can replace cash for easier exchange of money between one bank account to another. We should check carefully about what we write on the cheque to prevent others increase the money amount.</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-26 12:25:25 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107759784</guid>
      </item>
      <item>
         <title>3M12 Nng Qian,Tehilla</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107761589</link>
         <description><![CDATA[<div>Beside using the money, we will seldom think of why money are created to replace the exchange of different things. Although a note or a coin don't have a high actual value, it did represent the change of the transaction history and a useful way to pay. I will never realize that the invention of money will create such a big different in the method of paying.&nbsp;</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-26 12:34:25 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107761589</guid>
      </item>
      <item>
         <title>3M21 ALEX</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107764976</link>
         <description><![CDATA[<div>After watching this video,I learned a lot of things.In the video,it shows 10 tips about writing a cheque.I think that I will not make mistake in writing cheque in the future .</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-26 12:49:29 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107764976</guid>
      </item>
      <item>
         <title>3M32 Wong Wai Kin</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107765864</link>
         <description><![CDATA[<div>In our world,there are many ways to pay,for example,money,credit card or cheque. And I learn the tips for writing the cheque correctly in this video.For example,write the correct date, do not leave extra space on the cheque and we ought to record the records of the issued.We need to be careful for using our money,because it is very important to keep our life</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-26 12:53:03 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107765864</guid>
      </item>
      <item>
         <title>3M13 Shilo Tse Tsz Yi</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107776054</link>
         <description><![CDATA[<div>The video taught us how to use a cheque correctly , this helps me to know more about how to use a cheque. And cheque is really bring convenient to us in daily life because we use it to instead of real money which will be a safer method when paying large amount of money.</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-26 13:27:10 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107776054</guid>
      </item>
      <item>
         <title>3M03 Kwok Man Yan,Jessica</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107776987</link>
         <description><![CDATA[<div>The video introduce the reason that money come from. It introduce the 5 characteristics that money have. It is divisible, portable , durable , recognizable and scare. And introduce about the exchange rate and the double coincidence of wants which is useful for us to know more. &nbsp;</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-26 13:30:37 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107776987</guid>
      </item>
      <item>
         <title>3M24 Lin Chu Kin, Healthy </title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107782676</link>
         <description><![CDATA[<div>Although we are no need to use cheque right now, the video teach me the method of writing  the cheque. It seems like easy but it is easy to make it wrong too.</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-26 13:47:09 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107782676</guid>
      </item>
      <item>
         <title>3M Ngai Yin, Karis</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107786241</link>
         <description><![CDATA[<div>Nowadays, money has been an very important nessessity in our daily life. We need money to purchase any goods that could satisfy the buyer's wants. However, the process of gaining goods that you want seems not to be such convenient like nowadays. The <br>acient people use their goods or products that with a surplus to exchange them with anotger poeple.accaccientacienientacientaccaccientacienientacient</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-26 13:56:56 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107786241</guid>
      </item>
      <item>
         <title>3M 01 &amp;nbsp;Chan Lok Iu Anthea</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107795009</link>
         <description><![CDATA[<div>inside the video,it teach us that how to write a cheque.Like we need to write the correct name ect.Although now we cannot use a cheque.However i think we also need to know how to write a cheque.Ans the video have teached us.</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-26 14:25:05 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107795009</guid>
      </item>
      <item>
         <title>3M29 Tse Ka W</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107795032</link>
         <description><![CDATA[<div>It Shows us the history of money and the importance of transaction because it can stimulate people to buy things and product then the cash flow is formed.Finally, a markt appeared.<br>The another video teaches us that how to use a cheque correctly. It is very useful in our daily life.</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-26 14:25:09 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107795032</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107806704</link>
         <description><![CDATA[<div>2m</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-26 15:00:10 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107806704</guid>
      </item>
      <item>
         <title>3M28 Tse Ka Shing</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107806713</link>
         <description><![CDATA[<div>Nowadays,money is just a public want.It have different characteristic .However ,i become a rights for people.People can use it to buy things,exchange things or get more money.&nbsp;<br>The another video show a new way for pay money.It is a service for bank.It is diffcult for bank to use it to earn more money or borrow to another buyers.</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-26 15:00:12 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107806713</guid>
      </item>
      <item>
         <title>3M02 Choy Man Ying </title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107810517</link>
         <description><![CDATA[<div>Through the video,I have learnt that money are really convenient. It also told us hoe complicated it was when we did not have money, Everyone need to exchange for their wants. I also learnt that how money should be, divisible, portable, durable, recognizable and scarce.<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-26 15:12:45 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107810517</guid>
      </item>
      <item>
         <title>3M Lam Chung Yat</title>
         <author>samuelyat501</author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107818210</link>
         <description><![CDATA[<div>Nowadays, cheque are more useful than money.It is more convenient for us to have transaction with others.we should know some of the important points,we need to issued crossed the cheque and dont make alterations etc.&nbsp;</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-26 15:36:34 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107818210</guid>
      </item>
      <item>
         <title>3</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107907068</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2016-04-26 22:39:04 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107907068</guid>
      </item>
      <item>
         <title>3M NG Tin Lai</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107907074</link>
         <description><![CDATA[<div>After watching this video , I know how important money is and I become more understand what is money now.<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-26 22:39:09 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107907074</guid>
      </item>
      <item>
         <title>3M 6 Lam Yuk Chung, Melody</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107908748</link>
         <description><![CDATA[<div>After watching this video, I now more about how to write a cheque correctly. I notice that we must follow a lot of instructions otherwise the cheque will be invalid.</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-26 23:07:20 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107908748</guid>
      </item>
      <item>
         <title>Task 3</title>
         <author>BAFS</author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107925593</link>
         <description><![CDATA[]]></description>
         <enclosure url="http://goo.gl/forms/Le2Yb1VbF8" />
         <pubDate>2016-04-27 02:15:09 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107925593</guid>
      </item>
      <item>
         <title>3M Yeung Tak Chung</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107928986</link>
         <description><![CDATA[<div>Cheques are very common in nowadays society, how we can do to make sure your cheque is correct? Watch this video and you will know it<br> </div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-27 02:46:51 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107928986</guid>
      </item>
      <item>
         <title>3M 33 Yeung Cheuk him</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107929326</link>
         <description><![CDATA[<div>After watching this video , i learn more about money and cheques , those useful structure of money make our life become more convinient.I hope one day i can try to use those skills that i learn the video !</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-27 02:49:33 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107929326</guid>
      </item>
      <item>
         <title>3M 26 NG Yuk Chuen</title>
         <author></author>
         <link>https://padlet.com/BAFS/3M_Personal_Finance/wish/107929396</link>
         <description><![CDATA[<div>although i cant use chques now. but i would like to use it in my entire life because i bring great benefitsof buying stuff and avoid bring large amount of money to outside</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-04-27 02:50:09 UTC</pubDate>
         <guid>https://padlet.com/BAFS/3M_Personal_Finance/wish/107929396</guid>
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