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      <title>Personal Finance by Kaylie Sellers</title>
      <link>https://padlet.com/kaysel9159/x97ujm08kbt1</link>
      <description>Economics</description>
      <language>en-us</language>
      <pubDate>2018-09-11 15:37:40 UTC</pubDate>
      <lastBuildDate>2018-09-17 12:49:21 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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      <item>
         <title>1. Wage</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280083995</link>
         <description><![CDATA[<div>The amount of money an individual earns for each hour he/she works</div>]]></description>
         <enclosure url="https://www.prageru.com/sites/default/files/courses/image/there-is-no-gender-wage-gap.png" />
         <pubDate>2018-09-11 20:05:10 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280083995</guid>
      </item>
      <item>
         <title>2. Salary</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280085124</link>
         <description><![CDATA[<div>The weekly/monthly compensation paid to an individual (PROFESSIONAL)</div>]]></description>
         <enclosure url="https://abovethelaw.com/wp-content/uploads/2016/05/nationwide-pay-raise-biglaw-associate-base-salary-starting-salary-increase-money-bonus.jpg" />
         <pubDate>2018-09-11 20:08:43 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280085124</guid>
      </item>
      <item>
         <title>3. Gross pay</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280086271</link>
         <description><![CDATA[<div>The amount of money someone receives before any taxes and deductions are taken out</div>]]></description>
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         <pubDate>2018-09-11 20:12:25 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280086271</guid>
      </item>
      <item>
         <title>4. Net pay</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280086976</link>
         <description><![CDATA[<div>Someones take home pay (taxes and deductions have been taken out</div>]]></description>
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         <pubDate>2018-09-11 20:14:35 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280086976</guid>
      </item>
      <item>
         <title>5. Disposable Income</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280087768</link>
         <description><![CDATA[<div>The money left over that someone chooses to save or spend but usually spent on insurance and child support</div>]]></description>
         <enclosure url="http://dustinslade.com/wp-content/uploads/2013/03/disposable-incomeTP.jpg" />
         <pubDate>2018-09-11 20:16:55 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280087768</guid>
      </item>
      <item>
         <title>6. Discretionary income</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280089008</link>
         <description><![CDATA[<div>The money individuals can spend at their own discretion</div>]]></description>
         <enclosure url="http://2.bp.blogspot.com/-ALBe1DdcXfY/ThM4t1dPm2I/AAAAAAAAAD8/P1jAjUW8x3I/s1600/discretionary-income.jpg" />
         <pubDate>2018-09-11 20:20:16 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280089008</guid>
      </item>
      <item>
         <title>7. Fixed expenses</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280090244</link>
         <description><![CDATA[<div>Any price that does not change drastically from month to month </div>]]></description>
         <enclosure url="http://worldartsme.com/images/fixed-expenses-clipart-1.jpg" />
         <pubDate>2018-09-11 20:23:50 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280090244</guid>
      </item>
      <item>
         <title>8. Variable expenses</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280090838</link>
         <description><![CDATA[<div>Prices that change according to need, choice or want</div>]]></description>
         <enclosure url="http://1.bp.blogspot.com/_4P8jAj5Am-k/TPswcr4V1kI/AAAAAAAAABA/Bq88QPCEAAI/s1600/variable+cost_chart.JPG" />
         <pubDate>2018-09-11 20:25:36 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280090838</guid>
      </item>
      <item>
         <title>9. Budget</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280091933</link>
         <description><![CDATA[<div>a plan for managing money during a given period of time</div>]]></description>
         <enclosure url="https://napkinfinance.com/wp-content/uploads/2016/11/napkin-finance-budget.jpg" />
         <pubDate>2018-09-11 20:29:04 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280091933</guid>
      </item>
      <item>
         <title>10. Savings</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280092501</link>
         <description><![CDATA[<div>Portion of current income not spent on consumption</div>]]></description>
         <enclosure url="http://media.beam.usnews.com/cf/26/172bb6644385a25506e39411a012/160229-savingsjars-stock.jpg" />
         <pubDate>2018-09-11 20:30:50 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280092501</guid>
      </item>
      <item>
         <title>11. Investing</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280093542</link>
         <description><![CDATA[<div>Purchase of assets with the goal of increasing future income </div>]]></description>
         <enclosure url="http://b-i.forbesimg.com/moneywisewomen/files/2013/03/bigstock_Golden_Growth_551015.jpg" />
         <pubDate>2018-09-11 20:34:06 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280093542</guid>
      </item>
      <item>
         <title>12. Checking</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280094125</link>
         <description><![CDATA[<div>Money that is available to spend on the day to day basis</div>]]></description>
         <enclosure url="http://24.media.tumblr.com/tumblr_lu6xq9Enri1qixmc3o1_500.jpg" />
         <pubDate>2018-09-11 20:35:53 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280094125</guid>
      </item>
      <item>
         <title>13. Credit card</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280094978</link>
         <description><![CDATA[<div>A plastic card issued by a financial institution that allows you to buy things on credit </div>]]></description>
         <enclosure url="https://www.financialservicesfees.com/wp-content/uploads/2014/10/credit-cards.jpg" />
         <pubDate>2018-09-11 20:38:43 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280094978</guid>
      </item>
      <item>
         <title>14. Creditworthiness</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280097030</link>
         <description><![CDATA[<div>An individuals ability to repay their debts</div>]]></description>
         <enclosure url="https://blog.bankbazaar.com/wp-content/uploads/2016/04/Taking-a-Personal-Loan-for-Repayment-of-Home-Loan-VM.png" />
         <pubDate>2018-09-11 20:45:49 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280097030</guid>
      </item>
      <item>
         <title>15. Percentage rates</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280097741</link>
         <description><![CDATA[<div>Standardized method of quoting the effective interest rate </div>]]></description>
         <enclosure url="http://www.st3pp.com/wp-content/uploads/2014/01/percent.jpg" />
         <pubDate>2018-09-11 20:48:31 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280097741</guid>
      </item>
      <item>
         <title>16. Credit report</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280098412</link>
         <description><![CDATA[<div>Will tell in detail, how much money the person has borrowed, from whom, and whether the bills have been paid on time. Also shows a persons credit score!</div>]]></description>
         <enclosure url="https://www.debt.org/wp-content/uploads/2012/11/Credit-Report.jpg" />
         <pubDate>2018-09-11 20:51:21 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280098412</guid>
      </item>
      <item>
         <title>17. Stock market</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280099598</link>
         <description><![CDATA[<div>A market in which securities are bought and sold</div>]]></description>
         <enclosure url="https://www.stockinvestor.com/wp-content/uploads/2016/12/will-stock-markets-soar-20-in-2017.jpg" />
         <pubDate>2018-09-11 20:56:16 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280099598</guid>
      </item>
      <item>
         <title>18. Bonds</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280108039</link>
         <description><![CDATA[<div>Loans that represent debt that the government/corporation must repay to an investor</div>]]></description>
         <enclosure url="http://www.usnews.com/cmsmedia/a0/33/802a178e438fa7255b6a83c1a17f/160308-payday-stock.jpg" />
         <pubDate>2018-09-11 21:33:20 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280108039</guid>
      </item>
      <item>
         <title>19. Tax</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280109303</link>
         <description><![CDATA[<div>A fee charged by a government on a product, income or activity</div>]]></description>
         <enclosure url="http://arincometaxonline.com/wp-content/uploads/2014/12/Taxes_money.jpg" />
         <pubDate>2018-09-11 21:39:22 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/280109303</guid>
      </item>
      <item>
         <title>20. Federal trade commission</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282236792</link>
         <description><![CDATA[<div>An agency of the federal government that monitors and regulates trade within the United States. </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>2018-09-17 11:44:50 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282236792</guid>
      </item>
      <item>
         <title>21. Identity theft </title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282237945</link>
         <description><![CDATA[<div>Stealing someone's identity in which someone pretends to be someone else by assuming that persons identity. (illegally using personal information)</div>]]></description>
         <enclosure url="https://getoutofdebt.org/wp-content/uploads/2012/06/identity-theft.jpg" />
         <pubDate>2018-09-17 11:47:54 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282237945</guid>
      </item>
      <item>
         <title>22. Fraud</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282239932</link>
         <description><![CDATA[<div>Wrongful or criminal deception intended to result in financial or personal gain</div>]]></description>
         <enclosure url="https://mohammad-makki.com/wp-content/uploads/2016/10/rick-and-morty-meme.jpg" />
         <pubDate>2018-09-17 11:53:05 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282239932</guid>
      </item>
      <item>
         <title>23. Ponzi schemes</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282241628</link>
         <description><![CDATA[<div> a form of fraud in which a purported businessman lures investors and pays profits to earlier investors using funds obtained from newer investors.</div>]]></description>
         <enclosure url="https://chuckgallagher.files.wordpress.com/2015/01/ponzi-scheme.jpg" />
         <pubDate>2018-09-17 11:57:04 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282241628</guid>
      </item>
      <item>
         <title>24. Health insurance</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282244137</link>
         <description><![CDATA[<div>Type of insurance coverage that pays for medical and surgical expenses.</div>]]></description>
         <enclosure url="http://content8.flixster.com/question/65/62/82/6562826_std.jpg" />
         <pubDate>2018-09-17 12:03:02 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282244137</guid>
      </item>
      <item>
         <title>25. Life insurance</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282247009</link>
         <description><![CDATA[<div>A policy that will pay a specified sum to beneficiaries upon the death of the insured </div>]]></description>
         <enclosure url="https://www.locallifeagents.com/wp-content/uploads/2014/09/shareasimage172.jpg" />
         <pubDate>2018-09-17 12:09:08 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282247009</guid>
      </item>
      <item>
         <title>26. Car insurance</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282251279</link>
         <description><![CDATA[<div>protects you against financial loss in the event of an accident or theft. In exchange for you paying a premium, the <strong>insurance </strong>company agrees to pay your losses as outlined in your policy.  Property – such as damage to or theft of your <strong>car</strong>.</div>]]></description>
         <enclosure url="https://i.ytimg.com/vi/hydFOstWfYo/hqdefault.jpg" />
         <pubDate>2018-09-17 12:17:50 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282251279</guid>
      </item>
      <item>
         <title>27. Liability insurance</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282253023</link>
         <description><![CDATA[<div>Protects a person or entity from claims initiated by another party </div>]]></description>
         <enclosure url="http://thumbs.dreamstime.com/z/liability-insurance-form-dollars-table-60587854.jpg" />
         <pubDate>2018-09-17 12:21:29 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282253023</guid>
      </item>
      <item>
         <title>28. Disability insurance</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282256772</link>
         <description><![CDATA[<div>Policy that provides income benefits to the insured if he/she becomes ill or is injured and can longer no work</div>]]></description>
         <enclosure url="http://www.officialpsds.com/images/thumbs/Joe-Swanson-psd42934.png" />
         <pubDate>2018-09-17 12:29:11 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282256772</guid>
      </item>
      <item>
         <title>29. Standard of living</title>
         <author>kaysel9159</author>
         <link>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282259386</link>
         <description><![CDATA[<div>The extent to which a person is able to provide the things that are necessary for sustaining and enjoying life</div>]]></description>
         <enclosure url="https://khnaveed.files.wordpress.com/2011/01/20110111-cartoon.jpg" />
         <pubDate>2018-09-17 12:34:19 UTC</pubDate>
         <guid>https://padlet.com/kaysel9159/x97ujm08kbt1/wish/282259386</guid>
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