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   <channel>
      <title>NMI Calculations by Dr. Austin</title>
      <link>https://padlet.com/dr_austin/nmicalculations</link>
      <description>Explain how you would calculate the following: GMI, deductions, and NMI.  Make certain that your response is clear to receive the extra credit.</description>
      <language>en-us</language>
      <pubDate>2017-11-14 11:58:11 UTC</pubDate>
      <lastBuildDate>2021-02-11 17:23:42 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
      <image>
         <url></url>
      </image>
      <item>
         <title>Jason </title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212309606</link>
         <description><![CDATA[<div>You find the GMI by dividing your GAI by 12. You find the deductions by adding up all of the taxes and expenses. You find the NMI by subtracting the GMI  by the deductions.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 15:35:56 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212309606</guid>
      </item>
      <item>
         <title>keondre  INCOMPLETE</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212309834</link>
         <description><![CDATA[<div>you find your GMI by dividing by 12 .you find the nmi by subtracting the gmi .you find your deductions by adding up all your expenses and taxes.<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 15:36:18 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212309834</guid>
      </item>
      <item>
         <title>zaliyah NO CREDIT, YOU SHOULD HAVE BEEN WORKING ON iREADY. </title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212322440</link>
         <description><![CDATA[<div>you find the GMI by dividing your yearly income by 12. you find your deductions by adding all of your taxes, and insurance, and expenses together. you find your NMI by subtraction your deductions by the number you got when you divided your GMI by 12</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 16:00:29 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212322440</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212336217</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 16:28:01 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212336217</guid>
      </item>
      <item>
         <title>Your GMI is your monthly income without the deductions taken out.  INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212337080</link>
         <description><![CDATA[<div>Your NMI is your monthly income with the deduction taken out.<br>you get your deductions by subtracting things like rent from your NMI.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 16:29:37 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212337080</guid>
      </item>
      <item>
         <title>To get your gmi by dividing your gai by 12. To get your deductions you add up all your taxes. To get your nmi you subtract your deductions from your gmi- Alexandra Medrano</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212337157</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 16:29:46 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212337157</guid>
      </item>
      <item>
         <title>Katherine P.</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212337272</link>
         <description><![CDATA[<div>You get you GMI by dividing by 12. <br> Your deductionS you get by adding all things you spent or expenses such as taxes. <br>To get your NMI you have to subtract your deductions and your GMI.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 16:30:01 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212337272</guid>
      </item>
      <item>
         <title> Brandon</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212337630</link>
         <description><![CDATA[<div>You get your GMI by dividing GAI by 12, deductions by adding all the expenses &amp; taxes, &amp; NMI by Subtracting the deductions from The GMI<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 16:30:51 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212337630</guid>
      </item>
      <item>
         <title>Ruben V</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212338306</link>
         <description><![CDATA[<div>You calculate the GMI by dividing </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 16:32:07 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212338306</guid>
      </item>
      <item>
         <title>Shuanette Henry</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212338647</link>
         <description><![CDATA[<div>To get your GMI you divide the GAI by 12. To get your deduction you add up you taxes. To get the NMI you have to subtraction the deduction and your GMI.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 16:32:44 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212338647</guid>
      </item>
      <item>
         <title>Nicholas Angeles</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212385085</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 18:17:32 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212385085</guid>
      </item>
      <item>
         <title>Kyrah Hall</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212385240</link>
         <description><![CDATA[<div>You would calculate the GMI by dividing your GAI by twelve. <br>You calculate the deductions by adding all of them up together.<br>You calculate your NMI by GMI minus deductions. </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 18:17:54 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212385240</guid>
      </item>
      <item>
         <title>yolanda</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212385441</link>
         <description><![CDATA[<div>to get the GMI u will dived your gai by 12. To get your nmi u need to get ur deductions aand subtract it by ur gmi. to get ur deductions u need to get ur taxes and times them by  ur total price ,</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 18:18:26 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212385441</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212385476</link>
         <description><![CDATA[<div>jocelyn villafranca INCORRECT<br> gmi: times 12 <br>deductions: add <br>nmi: gmi times deductions<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 18:18:30 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212385476</guid>
      </item>
      <item>
         <title>Daniela Escobar INCORREXT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212386271</link>
         <description><![CDATA[<div>You calculate the GMI by dividing the GAI by twelve. The NMI is when you subtract the deductions from the GAI. You  add all your deductions all together.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 18:20:18 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212386271</guid>
      </item>
      <item>
         <title>karem INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212386380</link>
         <description><![CDATA[<div>to get the gmi u will times you monthly income by 12  you calulate the gmi by dividing the gai by twel</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 18:20:32 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212386380</guid>
      </item>
      <item>
         <title>(&gt;- HSDABHJSAVHBJFBH</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212386664</link>
         <description><![CDATA[<div>RICARDO TORES INCORRECT      <br>gmi: times 12 of the dedutions then add the nmi.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 18:21:11 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212386664</guid>
      </item>
      <item>
         <title>edgar armas  INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212386775</link>
         <description><![CDATA[<div>you divide gai by 12 and then you get the gmi  and substract all the deductions and you will get your nmi <br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 18:21:29 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212386775</guid>
      </item>
      <item>
         <title>Nicholas Angeles  INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212387097</link>
         <description><![CDATA[<div>You times the GMI by 12 ,then add the deductions and to find the NMI you times GMI and the deductions.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 18:22:16 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212387097</guid>
      </item>
      <item>
         <title>Tylur Marshall  INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212387123</link>
         <description><![CDATA[<div>You would have too calculate the Gross monthly income(GMI) and divide you GAI by 12</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 18:22:19 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212387123</guid>
      </item>
      <item>
         <title>Roberto Orozco  INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212387468</link>
         <description><![CDATA[<div>I would use a calculater and divide 12 to the gmi and go from there</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 18:23:11 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212387468</guid>
      </item>
      <item>
         <title>Jaden  INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212387619</link>
         <description><![CDATA[<div>Multiply the GMI by 12, Add the deductions to the NMI and mutiply by the GMI</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 18:23:34 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212387619</guid>
      </item>
      <item>
         <title>Jocelyn Villafranca INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212388074</link>
         <description><![CDATA[<div>gmi: is without the deductions <br>nmi: subtract deductions from gmi <br>deductions:add everything together </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 18:24:51 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212388074</guid>
      </item>
      <item>
         <title>naazir aiken INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212430197</link>
         <description><![CDATA[<div>you take the GMI and divide by 12 then take </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 19:55:19 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212430197</guid>
      </item>
      <item>
         <title>shenaejah beckford INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212430207</link>
         <description><![CDATA[<div>you take the gmi and divide it by 12 then take your gmi and subtract all the deductions to get your nmi</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 19:55:22 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212430207</guid>
      </item>
      <item>
         <title>vincent YIKES!</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212430476</link>
         <description><![CDATA[<div>you calculate them<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 19:56:11 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212430476</guid>
      </item>
      <item>
         <title>kemone</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212431105</link>
         <description><![CDATA[<div>you calculat the GMI by dividing it by 12</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 19:57:49 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212431105</guid>
      </item>
      <item>
         <title>Anna A</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212431273</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 19:58:21 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212431273</guid>
      </item>
      <item>
         <title>Desiree Roca   DIVIDE WHAT?</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212445938</link>
         <description><![CDATA[<div>you divided its by 12 to get your GMI</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 20:51:14 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212445938</guid>
      </item>
      <item>
         <title>Livingston S INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212446106</link>
         <description><![CDATA[<div>you divided the gmi by 12 to get your answer<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 20:51:55 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212446106</guid>
      </item>
      <item>
         <title>Websley Etienne INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212446117</link>
         <description><![CDATA[<div>You get the GMI then divide it by 12, the get the GMI and subtract it by the deductions to get the NMI.<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 20:52:00 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212446117</guid>
      </item>
      <item>
         <title>dariell</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212446175</link>
         <description><![CDATA[<div>divide it by 12<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 20:52:14 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212446175</guid>
      </item>
      <item>
         <title>julianna rodriguez</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212446184</link>
         <description><![CDATA[<div>you divide the GAI by 12 to get your GMI to get NMI you would subtract your deductions by the GMI to get your NMI<br> </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 20:52:17 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212446184</guid>
      </item>
      <item>
         <title>Shaylianis Rosado INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212446253</link>
         <description><![CDATA[<div>To get the GMI you have to divde it by 12 and then you add the deductions and at the end you substract the NMI to the GMI</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 20:52:37 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212446253</guid>
      </item>
      <item>
         <title>Jasmin INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212446320</link>
         <description><![CDATA[<div>To get your response to the GMI your gonna have to divied by 12<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 20:52:51 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212446320</guid>
      </item>
      <item>
         <title>Dremone Drisdom INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212446374</link>
         <description><![CDATA[<div>you suppose to divide the GMI by 12</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 20:53:04 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212446374</guid>
      </item>
      <item>
         <title>Joshua INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212446432</link>
         <description><![CDATA[<div>You divide the Gross Annual Income by 12 to get your Gross Monthly Income.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 20:53:21 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212446432</guid>
      </item>
      <item>
         <title>Monica joseph</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212446591</link>
         <description><![CDATA[<div>You divide the { GMI} <br><br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 20:54:04 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212446591</guid>
      </item>
      <item>
         <title>jairon</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212446623</link>
         <description><![CDATA[<div>you divide your GAI by 12 to get  your GMI.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 20:54:10 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212446623</guid>
      </item>
      <item>
         <title>dariell</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212446655</link>
         <description><![CDATA[<div>you divide it by 12 and then add the deductions and then you subtract the gmi by the answer you get from the deductions</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 20:54:18 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212446655</guid>
      </item>
      <item>
         <title>Livingstone </title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212446742</link>
         <description><![CDATA[<div>you divded the gmi by 12 to get the answer</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 20:54:43 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212446742</guid>
      </item>
      <item>
         <title>erik WOW!</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212446755</link>
         <description><![CDATA[<div>math&nbsp;</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 20:54:46 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212446755</guid>
      </item>
      <item>
         <title>MONICA JOSEPH</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212446996</link>
         <description><![CDATA[<div>YOU divide by 12</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-01 20:55:40 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212446996</guid>
      </item>
      <item>
         <title>Yolanda white INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212467019</link>
         <description><![CDATA[<div>To get the GMI u need to divide your GAI by twelve. And to get ur NMI u need to add up all u deduction together </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-02 00:02:58 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212467019</guid>
      </item>
      <item>
         <title>Think about everything before you start typing.  We have been working on this for over 3 weeks now.  At this point, you should have this down packed. Stop and think about what each of the acronyms mean first then put them together step by step to get the correct answer.  Think of the directions as a word problem.  You need to complete one step before you can go to the next step.  You can do this!!!!! </title>
         <author>Dr_Austin</author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212515639</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-12-02 15:22:32 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212515639</guid>
      </item>
      <item>
         <title>Alex Lloyd</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212543363</link>
         <description><![CDATA[<div>To calculate GMI you divide your GIA by 12. To find deductions you would change the percent (7.65%) to a decimal (multiply by 100) Then add up all deductions. To find NMI you subtract the deductions from the GMI. </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-02 20:42:21 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212543363</guid>
      </item>
      <item>
         <title>Eberth Garcon -WHAT???</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212552332</link>
         <description><![CDATA[<div>To find Gmi you divide your gia by twelve... to find deductions you would change all percentages then put all deductions together to find deductions....to find nmi take away the the deductions from gmi.......shapopinnnnn </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-02 23:37:46 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212552332</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212565561</link>
         <description><![CDATA[<div>First you have your ga</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-03 07:01:37 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212565561</guid>
      </item>
      <item>
         <title>Axel dumenigo  INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212565623</link>
         <description><![CDATA[<div>The gmy is found out by subtracting your monthly expenses to  your </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-03 07:03:32 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212565623</guid>
      </item>
      <item>
         <title>Axel dumenigo  INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212565796</link>
         <description><![CDATA[<div>To find the GMI you subtract your monthly deductions by your NMI. And to find NMI you divide your net annual income by 12.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-03 07:07:22 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212565796</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212635602</link>
         <description><![CDATA[<div>Divide gmi by 12 </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-03 18:52:37 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212635602</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212635793</link>
         <description><![CDATA[<div>Divide the gmi by 12 </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-03 18:53:48 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212635793</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212635938</link>
         <description><![CDATA[<div>WHO IS THIS???  AND CHECK YOUR RESPONSE.<br>Take your gmi and divide it by 12 then subtract all deductions to get nmi </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-03 18:54:57 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212635938</guid>
      </item>
      <item>
         <title>Anna A </title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212649761</link>
         <description><![CDATA[<div>You divide the gmi by 12</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-03 20:31:03 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212649761</guid>
      </item>
      <item>
         <title>Lenkirby Etienne</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212653396</link>
         <description><![CDATA[<div>To calculate the GMI, you must divide the GAI by 12. To get the deductions, you must add up all of the taxes. And to get the NMI, you must get the GMI, and subtract that by the deductions.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-03 20:55:37 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212653396</guid>
      </item>
      <item>
         <title>Sinahi Arrieta </title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212657655</link>
         <description><![CDATA[<div>you divide the gmi by 12<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-03 21:30:50 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212657655</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212658410</link>
         <description><![CDATA[p all your deductions ]]></description>
         <enclosure url="" />
         <pubDate>2017-12-03 21:36:14 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212658410</guid>
      </item>
      <item>
         <title>Kyrsten P  INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212702832</link>
         <description><![CDATA[<div>To get your NMI you have to subtract all your deductions from your GMI</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-04 04:06:57 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212702832</guid>
      </item>
      <item>
         <title>Edgar armas INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212713898</link>
         <description><![CDATA[<div>To get the NMI you have to get the GMI and substact all monthly dedoctions and you will get your NMI. </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-04 05:55:18 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212713898</guid>
      </item>
      <item>
         <title>INCORRECT</title>
         <author>oscarynmelendez0607</author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/212882800</link>
         <description><![CDATA[<div>jI think you have to divied your GAI by 12 and you'll end up with you GMI.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-04 15:01:20 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/212882800</guid>
      </item>
      <item>
         <title>Tariq Barnes INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/213105747</link>
         <description><![CDATA[<div>You divide the gmi by 12<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-04 22:55:44 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/213105747</guid>
      </item>
      <item>
         <title>Hahshdhdjdjd</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/213105870</link>
         <description><![CDATA[<div>To get the NMI you have to get </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-04 22:56:40 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/213105870</guid>
      </item>
      <item>
         <title>INCOMPLETE</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/213106200</link>
         <description><![CDATA[<div>The NMI YOU HAVE TO DIVIDE THE annual gross income divide by 12 </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-04 22:59:02 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/213106200</guid>
      </item>
      <item>
         <title>Henry Aguilar INCORRECT</title>
         <author></author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/213106450</link>
         <description><![CDATA[<div>You have to get the nmi and  annual gross income divide it by 12 </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-04 23:00:55 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/213106450</guid>
      </item>
      <item>
         <title>First, you have to divide the GAI by 12 to get the GMI.  Then calculate all of the deductions if required, and add the deductions together.  Finally, you will need to  subtract the deductions from the GMI to get the NMI.</title>
         <author>Dr_Austin</author>
         <link>https://padlet.com/dr_austin/nmicalculations/wish/213310440</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-12-05 14:48:48 UTC</pubDate>
         <guid>https://padlet.com/dr_austin/nmicalculations/wish/213310440</guid>
      </item>
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