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    <title><font color=blue>South Carolina Federal<br> Credit Union</font> Personal Finance</title>
    <webMaster>kknope@cuna.com (Kevin Knope)</webMaster>
    <link>http://hffo.cuna.org/28980/front/28980/html</link>
    <description>Welcome to your one-stop financial planning center</description>
    <copyright>Copyright 2006 Credit Union National Association</copyright>
    <language>en-us</language>
    <lastBuildDate>2008-11-20</lastBuildDate>
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	<title>What Happens to Unused Gift Card Cash?</title>
	<link>http://hffo.cuna.org/28980/article/2464/html</link>
	<description>Do you ever wonder what happens to unused gift cards? This article explains the details.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-11-10</pubDate>
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	<title>Drive Past the Gas Station With New Technology</title>
	<link>http://hffo.cuna.org/28980/article/2465/html</link>
	<description>The Future of Cars: Take a close look at plug-in electrics, compressed natural gas, and hydrogen-fuel cell vehicles.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-11-03</pubDate>
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	<title>November Challenge—Put Cash Flow on a Calendar</title>
	<link>http://hffo.cuna.org/28980/article/2514/html</link>
	<description> As with so many things in life, money management often comes down to timing. Use these simple techniques to put time on your side.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-11-01</pubDate>
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	<title>Tough Times Series: Pawnshops Attract New Users in Down Economy</title>
	<link>http://hffo.cuna.org/28980/article/2484/html</link>
	<description>Many of today's pawnshop customers are likely to be middle-class consumers who have maxed out their credit cards and are struggling to make ends meet before payday. </description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-10-31</pubDate>
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	<title>Switching to Roth may ease conversion taxes</title>
	<link>http://hffo.cuna.org/28980/article/2526/html</link>
	<description>For some investors who've taken a beating in recent months, converting from a traditional Individual Retirement Account (IRA) to a Roth IRA may yield significant tax savings.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>News</category>
	<pubDate>2008-11-18</pubDate>
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	<title>Shop now for best car deals</title>
	<link>http://hffo.cuna.org/28980/article/2523/html</link>
	<description>It's a buyer's market on automobile dealer lots right now, thanks to too many 2009s, too many leftover 2008s, and a glut of used vehicles. But if you wait too long, you may miss out on the short-lived perfect storm benefiting buyers.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>News</category>
	<pubDate>2008-11-14</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/28980/article/2523/html</guid>
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	<title>Act Quickly to Correct Credit Report Errors</title>
	<link>http://hffo.cuna.org/28980/article/2463/html</link>
	<description>A cloudy credit report can dim the financial forecast for even the sunniest optimist. Here's how to spot and correct credit errors promptly.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-11-24</pubDate>
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