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<strong>Gestão Financeira:</strong> Criando uma Estratégia de Orçamento, primeiro passo de um planejamento financeiro pessoal.<br><strong>Gestão de Ativos:</strong> Vantagens da alocação de ativos: Nesse curso iremos abranger as estratégias e técnicas para otimizar o retorno sobre os investimentos.<br><strong>Planejamento da Aposentadoria<br>Planejamento Sucessório</strong> - O que pode ser planejado em vida para dar continuidade aos negócios de família.</div><div>
<strong>Planejamento tributário</strong>: Este curso apresenta o impacto do Imposto de Renda nos investimentos.<br><strong>Gestão de Riscos</strong>: Neste curso iremos abordar sobre a possibilidade do planejador financeiro eliminar ou reduzir os riscos do seu cliente.<br><br>
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         <description><![CDATA[<div>Muito conteúdo com quem entende do Assunto !</div>]]></description>
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         <description><![CDATA[<div>A matéria completa no link:&nbsp; <a href="https://akatu.org.br/dia-do-meio-ambiente-consumidor-que-reflete-antes-da-compra-diminui-impactos-negativos-na-natureza/">Dia do Meio Ambiente: consumidor que reflete antes da compra diminui impactos negativos na natureza (akatu.org.br)</a><br><br></div>]]></description>
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         <description><![CDATA[<div>Saiba identificar os truques da mente para justificar a necessidade de comprar.&nbsp;<br>Entenda o que é perfil consumista e compulsão e como evitar.<br><br></div>]]></description>
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         <title>😲 PENSE RÁPIDO</title>
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         <description><![CDATA[<div>Atitude de Consumo - O que é isso?<br>Você já parou para pensar no que passa pela sua cabeça ao tomar uma decisão que envolve o uso do dinheiro? A maioria das pessoas não faz esse raciocínio e desconhece fatores importantes nesse processo. A Psicologia Econômica estuda como tomamos essas decisões, acompanhe as questões apresentadas nos cards !!!<br><br></div>]]></description>
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         <author>clausalles</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2276287687</link>
         <description><![CDATA[<div>Para saber um pouquinho mais do SFN - Sistema Financeiro Nacional </div>]]></description>
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         <pubDate>2022-08-30 13:59:39 UTC</pubDate>
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      <item>
         <title>Controle Financeiro é necessário !</title>
         <author>EducFinancLS</author>
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         <description><![CDATA[]]></description>
         <enclosure url="https://www.serasa.com.br/limpa-nome-online/blog/como-fazer-uma-planilha-de-controle-financeiro/" />
         <pubDate>2022-08-31 14:51:08 UTC</pubDate>
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         <title></title>
         <author>EducFinancLS</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2288787777</link>
         <description><![CDATA[<div>Tem que dar o 1º passo: começar... pela reserva de Emergencia !</div>]]></description>
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         <pubDate>2022-09-08 19:40:24 UTC</pubDate>
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         <title></title>
         <author>EducFinancLS</author>
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         <title>Sonhos: A educação financeira pode ajudar?</title>
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         <title></title>
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         <pubDate>2022-09-13 18:46:52 UTC</pubDate>
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         <title>O pão da Avó - &quot;Eu e o meu Dinheiro&quot;</title>
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         <title>Como fazer a reserva de emergência?</title>
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         <pubDate>2022-09-13 18:54:00 UTC</pubDate>
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      <item>
         <title>Como fazer para manter o equilíbrio entre o SER, o FAZER e o MANTER ?</title>
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         <description><![CDATA[<div>Responda as 5 perguntas para não cair na depressão financeira e realizar seus sonhos:&nbsp;</div><ul><li><mark>&nbsp;Quais são meus sonhos?</mark></li><li><mark>Quanto custam?</mark></li><li><mark>Em quanto tempo quero realizar?&nbsp;</mark></li><li><mark>Quanto vou guardar?&nbsp;</mark></li><li><mark>De onde vou tirar esse dinheiro?</mark>&nbsp;</li></ul>]]></description>
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         <pubDate>2022-09-13 18:56:16 UTC</pubDate>
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         <title>Como organizar suas finanças?</title>
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         <title>Simulador de Sonhos</title>
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         <pubDate>2022-09-13 18:58:35 UTC</pubDate>
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         <title>Guia SMART pós pandemia</title>
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      <item>
         <title>5W2H</title>
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         <title>5W2H</title>
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      <item>
         <title>Apostila educação financeira para consumidores</title>
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         <title></title>
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         <description><![CDATA[<div>Passos do método DSOP =  Diagnosticar + SONHAR + Orçar + Poupar</div>]]></description>
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         <pubDate>2022-09-13 23:14:22 UTC</pubDate>
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         <author>EducFinancLS</author>
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         <description><![CDATA[<div>A presidente da Associação Internacional para Pesquisa em Psicologia Econômica, Vera Rita de Mello Ferreira, explica como identificar situações de risco e lidar com o dinheiro de forma saudável em todos os aspectos da vida<br><br></div>]]></description>
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         <pubDate>2022-09-19 18:00:23 UTC</pubDate>
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      <item>
         <title>Quais são meus direitos ?</title>
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         <author>EducFinancLS</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2305762220</link>
         <description><![CDATA[<div>Dicas para uma Renda Extra !</div>]]></description>
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         <pubDate>2022-09-20 22:39:44 UTC</pubDate>
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         <title></title>
         <author>EducFinancLS</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2305771072</link>
         <description><![CDATA[<div>Para quem quiser se aprofundar mais nesses parametros: https://www.serasa.com.br/assets/cms/2022/SWS-Manual-Score-2.0_.pdf </div>]]></description>
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         <title>A RENDA EXTRA DE CADA SIGNO</title>
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         <description><![CDATA[<h1>Como GANHAR DINHEIRO com a ajuda dos ASTROS!</h1><div><br></div>]]></description>
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         <title>Mapa da inadimplência</title>
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         <title>Score Serasa</title>
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         <title>Dicas sobre Planejamento Financeiro Pessoal</title>
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         <description><![CDATA[<h1>52 DICAS PRÁTICAS PARA MUDAR A SUA VIDA</h1><div><br></div>]]></description>
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      <item>
         <title>Onde Luiz Barsi investe</title>
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         <title>Entendendo a bolsa de valores</title>
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         <title>Meu perfil de investidor</title>
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         <title>Panoramas, cotações, estatísticas...</title>
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         <title>Tesouro Direto</title>
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         <author>clausalles</author>
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         <title></title>
         <author>clausalles</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2316371747</link>
         <description><![CDATA[]]></description>
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         <pubDate>2022-09-27 21:30:23 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2316371747</guid>
      </item>
      <item>
         <title></title>
         <author>clausalles</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2316457832</link>
         <description><![CDATA[<div>RESOLUÇÃO CVM Nº 30, de 11 de Maio/2021 - informações sobre investidores profissionais e qualificados, além dos perfis de investidores (suitability)</div>]]></description>
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         <pubDate>2022-09-27 23:30:38 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2316457832</guid>
      </item>
      <item>
         <title>Siga as dicas e informações de sites idoneos:</title>
         <author>clausalles</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2316463981</link>
         <description><![CDATA[<ul><li><a href="http://www.abrasca.org.br">ABRASCA - Associação Brasileira das Companhias Abertas</a></li><li><a href="http://www.anbima.com.br">ANBIMA - Associação Brasileira das Entidades dos Mercados Financeiro e de Capitais</a></li><li><a href="http://www.comoinvestir.com.br">ANBIMA - Como Investir?</a></li><li><a href="http://www.ancord.org.br">ANCORD - Associação Nacional das Corretoras e Distribuidoras de Títulos e Valores Mobiliários, Câmbio e Mercadorias</a></li><li><a href="http://www.apimec.com.br">APIMEC - Associação dos Analistas e Profissionais de Investimento do Mercado de Capitais</a></li><li><a href="http://www.b3.com.br/pt_br/">B3 - Brasil, Bolsa e Balcão</a></li><li><a href="http://www.cvm.gov.br/">Comissão de Valores Mobiliários (CVM)</a></li><li><a href="https://www.investidor.gov.br/menu/Menu_Academico/Comite_educacao/Principal.html">Comitê Consultivo de Educação</a></li><li><a href="http://www.vidaedinheiro.gov.br/">ENEF - Estratégia Nacional de Educação Financeira</a></li><li><a href="https://www.rioprevidencia.rj.gov.br/EscolaPrevidenciaria/index.htm">Escola de Educação Previdenciária do Rioprevidência</a></li><li><a href="https://www.defesadoconsumidor.gov.br/escolanacional/">Escola Nacional de Defesa do Consumidor</a></li><li><a href="http://www.planejar.org.br/">PLANEJAR - Associação Brasileira de Planejadores Financeiros</a></li><li><a href="http://www.ibgc.org.br">IBGC - Instituto Brasileiro de Governança Corporativa</a></li><li><a href="http://www.ibri.org.br">IBRI - Instituto Brasileiro de Relações com Investidores</a></li><li><a href="http://www.financial-education.org">INFE/OECD - Internacional Network on Financial Education</a></li><li><a href="http://www.iimv.org/">Instituto Iberoamericano de Mercados de Valores</a></li><li><a href="http://www.economia.gov.br/">Ministério da Economia</a></li></ul><div><br></div>]]></description>
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         <pubDate>2022-09-27 23:37:40 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2316463981</guid>
      </item>
      <item>
         <title></title>
         <author>EducFinancLS</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2321130084</link>
         <description><![CDATA[<div>ANBIMA -"RAIO X DO INVESTIDOR BRASILEIRO", dados de 2021</div><div>&nbsp;</div>]]></description>
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         <pubDate>2022-09-30 14:15:45 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2321130084</guid>
      </item>
      <item>
         <title></title>
         <author>EducFinancLS</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2343765022</link>
         <description><![CDATA[<div>Termos Financeiros - BCB</div>]]></description>
         <enclosure url="https://www.bcb.gov.br/content/cidadaniafinanceira/documentos_cidadania/Informacoes_gerais/glossario_cidadania_financeira.pdf" />
         <pubDate>2022-10-17 18:15:54 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2343765022</guid>
      </item>
      <item>
         <title>Sustentabilidade tem a ver com finanças ?</title>
         <author>clausalles</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2345959233</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://youtu.be/NCmOz-Qipv4" />
         <pubDate>2022-10-18 22:20:48 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2345959233</guid>
      </item>
      <item>
         <title></title>
         <author>EducFinancLS</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2347458028</link>
         <description><![CDATA[<div>Quer saber mais ? Entre no artigo:&nbsp; https://blog.nubank.com.br/perfil-de-investidor-quais-sao/ </div>]]></description>
         <enclosure url="https://youtu.be/kg5ZVWICo04" />
         <pubDate>2022-10-19 17:11:29 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2347458028</guid>
      </item>
      <item>
         <title>Proteção de dados</title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355505498</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/1762531976/f0a2bc801f8d879c3fc5e66abf5055cd/fasciculo_protecao_de_dados_cartilha_cert_br.pdf" />
         <pubDate>2022-10-25 14:01:52 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355505498</guid>
      </item>
      <item>
         <title>Vazamento de Dados</title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355511209</link>
         <description><![CDATA[]]></description>
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         <pubDate>2022-10-25 14:04:46 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355511209</guid>
      </item>
      <item>
         <title>O que é cidadania financeira?</title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355514420</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/1762531976/ef0f716494a70c2c5929499f6e153674/Cidadania_financeira.pdf" />
         <pubDate>2022-10-25 14:06:31 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355514420</guid>
      </item>
      <item>
         <title>Direitos e Deveres Cidadãos</title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355515373</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.bcb.gov.br/cidadaniafinanceira/tiposemprestimo" />
         <pubDate>2022-10-25 14:07:04 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355515373</guid>
      </item>
      <item>
         <title>Curso: Papel do Cidadão</title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355521128</link>
         <description><![CDATA[<div>O curso foi desenvolvido com foco na necessidade de desenvolver conhecimentos básicos sobre cidadania, participação política e social, proporcionando melhor compreensão do papel de cada um na sociedade.<br>Certificado pela ENAP (6 horas)</div>]]></description>
         <enclosure url="https://www.escolavirtual.gov.br/curso/788" />
         <pubDate>2022-10-25 14:09:57 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355521128</guid>
      </item>
      <item>
         <title>Tipos de conta bancária: Qual o melhor para você?</title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355526513</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.youtube.com/watch?v=yATjA3n9q5w" />
         <pubDate>2022-10-25 14:12:44 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355526513</guid>
      </item>
      <item>
         <title>Lista útil ao dia-a-dia do consumidor</title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355527609</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.financaspraticas.com.br/recursos/links-uteis/links-de-consumidores" />
         <pubDate>2022-10-25 14:13:17 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355527609</guid>
      </item>
      <item>
         <title></title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355528550</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/1762531976/f16f3bf713286eb4eb148347e3dd0493/Praticas_proibidas.png" />
         <pubDate>2022-10-25 14:13:47 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355528550</guid>
      </item>
      <item>
         <title>Direitos na compra e troca de produtos</title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355533684</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/1762531976/f455f25e1a6f474753e6f2b64e60cbb3/Compra_e_troca.pdf" />
         <pubDate>2022-10-25 14:16:32 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355533684</guid>
      </item>
      <item>
         <title>Serviços Bancários</title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355536329</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/1762531976/106a084681067e8c879e3284c612bcee/Servi_os_Banc_rios.pdf" />
         <pubDate>2022-10-25 14:17:55 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355536329</guid>
      </item>
      <item>
         <title></title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355542705</link>
         <description><![CDATA[<div>Quer saber mais sobre pesquisas realizadas pela ANBIMA ?<br><br>https://www.anbima.com.br/pt_br/institucional/universo-anbima-de-pesquisas.htm&nbsp;</div>]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/1762531976/6ba3ca9c127d232a2d38fa4ae2963c9c/Economia_na_pandemia.jpeg" />
         <pubDate>2022-10-25 14:21:14 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355542705</guid>
      </item>
      <item>
         <title></title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355548895</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/1762531976/b75ff90082feff7876fb755bfa44ac8e/Finan_as_p_s_covid.pdf" />
         <pubDate>2022-10-25 14:24:44 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355548895</guid>
      </item>
      <item>
         <title>Portal do Investidor</title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355551847</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.investidor.gov.br/menu/Menu_Academico/Comite_educacao/Participantes/APIMEC/Apimec.html" />
         <pubDate>2022-10-25 14:26:24 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355551847</guid>
      </item>
      <item>
         <title>Economia Circular </title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355914832</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/1762531976/081e56263444abf80f3a25edd86f5ce7/Eco_circular.pdf" />
         <pubDate>2022-10-25 17:48:11 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355914832</guid>
      </item>
      <item>
         <title>Finanças</title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355916243</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/1762531976/71758d22536e9c4f92cdafa4cd731d82/CEBDS_FINANCAS.pdf" />
         <pubDate>2022-10-25 17:48:58 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2355916243</guid>
      </item>
      <item>
         <title>LGPD: Vazamento dos dados pessoais</title>
         <author>clausalles</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2357282853</link>
         <description><![CDATA[<div>A lei 13.709, conhecida como Lei Geral de Proteção de Dados ou pela sigla LGPD, foi promulgada em 2018 no Brasil com o objetivo de estabelecer normas e práticas voltadas ao combate de vazamento de dados. A partir de agosto de 2021 está vigente por meio de decreto, aplicado tanto para empresas privadas como as do setor público</div>]]></description>
         <enclosure url="https://apps.univesp.br/lgpd/#secaocidadao" />
         <pubDate>2022-10-26 13:33:05 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2357282853</guid>
      </item>
      <item>
         <title></title>
         <author>clausalles</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2357490760</link>
         <description><![CDATA[<div>Quem são eles ? Como atuam ? Qual tamanho do seu público ?<br>"Mergulhar nos dados deste relatório é compreender o<br>comportamento dos internautas-investidores e obter insights valiosos que podem auxiliar em uma estratégia digital de marketing e educação financeira mais acertada"</div>]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/1227059190/504ee3e1038480d52845ddbe392d6483/UNIVERSO_Influenciadores_Investimentos_2021_ANBIMA.pdf" />
         <pubDate>2022-10-26 15:19:36 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2357490760</guid>
      </item>
      <item>
         <title></title>
         <author>clausalles</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2357530351</link>
         <description><![CDATA[<div>Segurança Cibernética - LGPD</div>]]></description>
         <enclosure url="https://apps.univesp.br/boas-praticas-de-seguranca-da-informacao/" />
         <pubDate>2022-10-26 15:42:35 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2357530351</guid>
      </item>
      <item>
         <title>Cartões de Crédito </title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2364158439</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.melhoresdestinos.com.br/cartoes-de-credito" />
         <pubDate>2022-11-01 01:25:13 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2364158439</guid>
      </item>
      <item>
         <title>Filtro de passagens aéreas baratas </title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2364199095</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.melhoresdestinos.com.br/passagens-aereas" />
         <pubDate>2022-11-01 01:56:35 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2364199095</guid>
      </item>
      <item>
         <title>Programa de fidelidade - GOL</title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2364201076</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.smiles.com.br/home" />
         <pubDate>2022-11-01 01:58:32 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2364201076</guid>
      </item>
      <item>
         <title>Livelo </title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2364201661</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.livelo.com.br/" />
         <pubDate>2022-11-01 01:59:05 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2364201661</guid>
      </item>
      <item>
         <title>Abasteça e pontue :)</title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2364202439</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.kmdevantagens.com.br/wps/portal/Applications/MarketPlace/" />
         <pubDate>2022-11-01 01:59:49 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2364202439</guid>
      </item>
      <item>
         <title>Como iniciar minha pontuação no cartão?</title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2364206569</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.serasa.com.br/ecred/blog/como-acumular-milhas-no-cartao-de-credito-em-4-passos/" />
         <pubDate>2022-11-01 02:03:25 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2364206569</guid>
      </item>
      <item>
         <title>Cotação Milhas </title>
         <author>kriziaferreira</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2364906817</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.e-milhas.com/cotacao" />
         <pubDate>2022-11-01 13:23:24 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2364906817</guid>
      </item>
      <item>
         <title></title>
         <author>EducFinancLS</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2436074530</link>
         <description><![CDATA[<div>O que são FINTECHS ?</div>]]></description>
         <enclosure url="https://inteligenciademercado.rj.sebrae.com.br//assets/arquivos/RI_Multissetorial-Fintechs.pdf" />
         <pubDate>2023-01-06 21:40:56 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2436074530</guid>
      </item>
      <item>
         <title></title>
         <author>EducFinancLS</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2653617561</link>
         <description><![CDATA[<div>Já começou a fazer as anotações ?<br><br></div>]]></description>
         <enclosure url="https://youtu.be/jSBbbzU6QKc" />
         <pubDate>2023-07-31 14:46:41 UTC</pubDate>
         <guid>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2653617561</guid>
      </item>
      <item>
         <title></title>
         <author>clausalles</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2660431759</link>
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         <pubDate>2023-08-11 20:37:04 UTC</pubDate>
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         <title>Conheça 30 direitos pouco divulgados para nós consumidores</title>
         <author>clausalles</author>
         <link>https://padlet.com/EducFinancLS/ydjwkn4zsqwwdngf/wish/2669094082</link>
         <description><![CDATA[<div>Em comemoração a criação do Código de Defesa do Consumidor, promulgado em 1990 e em vigor desde 1991, reunimos 30 destaques da lei que garante até hoje a proteção dos consumidores brasileiros&nbsp;</div>]]></description>
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         <pubDate>2023-08-22 18:01:42 UTC</pubDate>
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