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      <title>Becoming a business owner by Zitong Zhang</title>
      <link>https://padlet.com/zhangz3/z4fre5i5zoki</link>
      <description>Reasons for and alternatives to establishing a small business</description>
      <language>en-us</language>
      <pubDate>2019-02-05 13:57:27 UTC</pubDate>
      <lastBuildDate>2019-02-06 19:45:17 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
      <image>
         <url></url>
      </image>
      <item>
         <title>Level Of Risk</title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328076381</link>
         <description><![CDATA[<div>The main risk of investing in a bond from the perspective of a lender is that if the interest rate drops you will receive less return then what was previously expected at the start. Another risk is if the holder is unable to pay back the bond in the term or at all.</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:05:12 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328076381</guid>
      </item>
      <item>
         <title>Level of risk</title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328076431</link>
         <description><![CDATA[<div>Very, very low. You have little to no chance of losing your money, as it is only going to increase in value, there is virtually no chance of losing your money.</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:05:30 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328076431</guid>
      </item>
      <item>
         <title>Property Investment: </title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328076504</link>
         <description><![CDATA[<div>Is when you buy a property for investment purposes in hope that the value increases over time. You can also receive rent by being a landlord, however sometimes you won't get the same amount of rent as you might need to fix issues in the property like a tap leak and the cost will be deducted from your rent.</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:05:56 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328076504</guid>
      </item>
      <item>
         <title>Liquidity of the Investment</title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328076614</link>
         <description><![CDATA[<div>The liquidity of government bonds are concerned with an investor having to sell them when they may be below the actual value.</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:06:35 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328076614</guid>
      </item>
      <item>
         <title>level of risk</title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328076919</link>
         <description><![CDATA[<div>Shares have a very high risk because the value of shares goes up and down every month. </div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:08:26 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328076919</guid>
      </item>
      <item>
         <title>What is it?</title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328077000</link>
         <description><![CDATA[<div>A savings account is a form of investment because you are able to earn interest, depending on how much money is in the account. For example, is you had $5000 in a high-interest savings account, and earned interest at a rate of 4% monthly, the next month, there would be $5200 in your bank account the next month.</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:08:52 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328077000</guid>
      </item>
      <item>
         <title>What is it?</title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328077126</link>
         <description><![CDATA[<div>A fixed-term deposit held at a financial institution</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:09:29 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328077126</guid>
      </item>
      <item>
         <title>What is shares in investment?</title>
         <author>115435</author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328077191</link>
         <description><![CDATA[<div>Shares in investment is dependent upon how well or poorly a business does, allowing them to have benefits from share price growth or income paid as dividends if a business performs particularly well. However if a business performs poorly due to circumstances, the shares from the owner can decrease in value or the business may be restricted to pay dividends </div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:10:00 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328077191</guid>
      </item>
      <item>
         <title>Level of Risk: </title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328077285</link>
         <description><![CDATA[<div>Very Low if you watch the market, as the land value will increase over time &amp; you can get rent by being a landlord.</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:10:37 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328077285</guid>
      </item>
      <item>
         <title>Level of risk </title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328077397</link>
         <description><![CDATA[<div>There's virtually no risk of losing your money.</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:11:22 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328077397</guid>
      </item>
      <item>
         <title>What is it</title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328077481</link>
         <description><![CDATA[<div>A mechanism used by governments to raise funds from the general public in return for a fixed interest rate</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:11:45 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328077481</guid>
      </item>
      <item>
         <title>Liquidity of the investment:</title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328078231</link>
         <description><![CDATA[<div>H</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:15:18 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328078231</guid>
      </item>
      <item>
         <title>Term of Investment </title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328078264</link>
         <description><![CDATA[<div>normally short-term ranging anywhere between a month to a few years. </div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:15:26 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328078264</guid>
      </item>
      <item>
         <title>Liquidity of the investment</title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328078483</link>
         <description><![CDATA[<div>You are able to turn the value of the savings account into cash quickly. All you have to do is go to the bank and make a withdrawal.</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:16:29 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328078483</guid>
      </item>
      <item>
         <title>Term of the investment</title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328078911</link>
         <description><![CDATA[<div>Each month you will receive an increase in the value of the savings account(profit), unless you make a withdrawal throughout the month.</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:18:31 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328078911</guid>
      </item>
      <item>
         <title>Term of the Investment</title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328079297</link>
         <description><![CDATA[<div>The term of investment for government bonds is known as the coupon interest rate. Coupon interest payments are made every 6 months</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:20:31 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328079297</guid>
      </item>
      <item>
         <title>Liquidity of the investment </title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328080063</link>
         <description><![CDATA[<div>After the term of investment period is over you can take it out at anytime. Whereas if you take it out before you will loose your interest</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:24:55 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328080063</guid>
      </item>
      <item>
         <title>Term of investment </title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328080084</link>
         <description><![CDATA[<div>To get profit you need to sell your share on high price. </div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:25:03 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328080084</guid>
      </item>
      <item>
         <title>Danny&#39;s Column</title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328080120</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:25:17 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328080120</guid>
      </item>
      <item>
         <title>Liquidity of investment</title>
         <author>115435</author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328080384</link>
         <description><![CDATA[<div>Liquidity of investment for shares refers to the 'ease' that shares can be traded. </div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:26:52 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328080384</guid>
      </item>
      <item>
         <title>Luke&#39;s Column</title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328080598</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:28:08 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328080598</guid>
      </item>
      <item>
         <title>Laura&#39;s column</title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328080712</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:28:39 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328080712</guid>
      </item>
      <item>
         <title>Danny&#39;s Column #2 </title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328081066</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-02-06 01:30:46 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/328081066</guid>
      </item>
      <item>
         <title>Liquidity of the investment:</title>
         <author></author>
         <link>https://padlet.com/zhangz3/z4fre5i5zoki/wish/329010855</link>
         <description><![CDATA[<div>Liquidity is not the best for property investment as the time it takes to get cash in hand when you want to sell the property time it takes varies depending on the market.</div>]]></description>
         <enclosure url="" />
         <pubDate>2019-02-07 22:32:06 UTC</pubDate>
         <guid>https://padlet.com/zhangz3/z4fre5i5zoki/wish/329010855</guid>
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