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    <title>AEA Federal Credit Union Personal Finance</title>
    <webMaster>kknope@cuna.com (Kevin Knope)</webMaster>
    <link>http://hffo.cuna.org/10562/front/10562/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>2008-05-15</lastBuildDate>
    <item>
	<title>Making Sense of Your Car Maintenance Schedule</title>
	<link>http://hffo.cuna.org/10562/article/2283/html</link>
	<description>You have a newer vehicle. Do you get the oil changed at the standard 3,000 miles or should you wait for the little wrench icon to pop on? </description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-05-12</pubDate>
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<item>
	<title>Tough Times Series: When Times Are Tough We Can Help</title>
	<link>http://hffo.cuna.org/10562/article/2300/html</link>
	<description>In tough times, it's more important than ever to develop and maintain good financial habits. Your credit union can help you stay afloat.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-05-12</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/10562/article/2300/html</guid>
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<item>
	<title>Stop Denying, Start Saving to Cope With Infrequent Expenses</title>
	<link>http://hffo.cuna.org/10562/article/2285/html</link>
	<description>Budgeting for implicit—or infrequent—expenses can help save financial heartburn when they occur.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-05-05</pubDate>
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<item>
	<title>May Challenge—Get More Errands Per Gallon</title>
	<link>http://hffo.cuna.org/10562/article/2287/html</link>
	<description>This month's Financial Fitness Challenge can pump up your efforts to drive down your fuel costs. </description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-05-01</pubDate>
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<item>
	<title>House Shopping: Devise a Down-Payment Plan</title>
	<link>http://hffo.cuna.org/10562/article/2244/html</link>
	<description>American consumers are more concerned about having enough money for a down payment than they have been in five years.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-04-28</pubDate>
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<item>
	<title>Read Fine Print to Avoid Subscribing to a Scam</title>
	<link>http://hffo.cuna.org/10562/article/2242/html</link>
	<description>Sign up for a magazine offer without reading the fine print, and you may learn later that you've subscribed to a scam. </description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-04-21</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/10562/article/2242/html</guid>
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<item>
	<title>Self-employed must master year-round tax planning</title>
	<link>http://hffo.cuna.org/10562/article/2304/html</link>
	<description>Although the typical tax season has come and gone, tax planning never stops for the self-employed. If you're a small-business owner, keep your eyes on two major goals: Meeting your tax responsibilities and claiming the tax breaks you deserve.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>News</category>
	<pubDate>2008-05-13</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/10562/article/2304/html</guid>
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<item>
	<title>Strategies to reduce home-insurance costs</title>
	<link>http://hffo.cuna.org/10562/article/2303/html</link>
	<description>During tough times, families place a high priority on reducing expenses to save money. One expense that's typically overlooked is home insurance, but there are plenty of ways you can lower the premium--often with minimal effort.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>News</category>
	<pubDate>2008-05-09</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/10562/article/2303/html</guid>
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<item>
	<title>H&amp;FF Radio guest puts subprime shakeout in perspective</title>
	<link>http://hffo.cuna.org/10562/article/2302/html</link>
	<description>Getting a handle on the subprime mortgage crisis isn't easy, but the bottom line is that millions of families are at risk of losing--or already have lost--their homes. One of the guests on this Sunday's H&amp;FF Radio show helps put the problem in perspective.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>News</category>
	<pubDate>2008-05-08</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/10562/article/2302/html</guid>
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<item>
	<title>Tough Times Series: Refinancing Your Mortgage</title>
	<link>http://hffo.cuna.org/10562/video/2253/html</link>
	<description>Home loan rates still are attractive. You may be in the position to take advantage of lower rates if your adjustable rate mortgage is coming due or if you've been in your home for a while and are paying a higher interest rate. Watch as one of CUNA's economists talks about the benefits of refinancing.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Video</category>
	<pubDate>2008-05-05</pubDate>
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<item>
	<title>Can You Really Offset Energy Use?</title>
	<link>http://hffo.cuna.org/10562/article/2286/html</link>
	<description>Energy offset credits help balance the environmental costs of our energy needs by funding renewable energy sources, like wind and solar power.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-05-19</pubDate>
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