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    <title>Bank-Fund Staff Federal Credit Union Personal Finance</title>
    <webMaster>kknope@cuna.com (Kevin Knope)</webMaster>
    <link>http://hffo.cuna.org/13492/front/13492/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>2008-09-06</lastBuildDate>
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	<title>Tough Times Series: Gas, Groceries on Credit a Slippery Slope</title>
	<link>http://hffo.cuna.org/13492/article/2411/html</link>
	<description>Many Americans are resorting to credit cards to make ends meet.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-09-01</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/13492/article/2411/html</guid>
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<item>
	<title>Tough Times Series: September Challenge—Have Fun for Free</title>
	<link>http://hffo.cuna.org/13492/article/2427/html</link>
	<description>You can enjoy lots of free entertainment if you know where to look.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-09-01</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/13492/article/2427/html</guid>
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<item>
	<title>Avoid Conversion Confusion With Roth IRAs</title>
	<link>http://hffo.cuna.org/13492/article/2381/html</link>
	<description>We'll explain the 2008 tax rule change regarding conversions of a 401(k) or other employer retirement plan to a Roth IRA.
			
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	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-08-25</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/13492/article/2381/html</guid>
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<item>
	<title>What to Know Before Bundling TV, Phone, and Internet Services</title>
	<link>http://hffo.cuna.org/13492/article/2378/html</link>
	<description>If you're thinking of bundling your telecommunications services—TV, phone, and Internet—from a single provider, read this article. Bundling isn't right for everyone.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-08-18</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/13492/article/2378/html</guid>
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<item>
	<title>Tough Times Series: What to Do When Your ARM Is Due</title>
	<link>http://hffo.cuna.org/13492/article/2001/html</link>
	<description>If you have an adjustable-rate mortgage (ARM) and your rate adjustment is looming, it's time to devise a plan.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-08-13</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/13492/article/2001/html</guid>
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<item>
	<title>Putting Credit On Ice Carries Costs, Benefits</title>
	<link>http://hffo.cuna.org/13492/article/2379/html</link>
	<description>Freezing your credit can help protect your reputation as a credit-worthy consumer, but it's likely to cost you both time and money.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-08-11</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/13492/article/2379/html</guid>
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<item>
	<title>Radio: Empower victims for financial self-sufficiency</title>
	<link>http://hffo.cuna.org/13492/article/2429/html</link>
	<description>More domestic abuse survivors are getting the help they need to put their financial lives back together, thanks to the efforts of three guests on this week's H&amp;FF Radio show.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>News</category>
	<pubDate>2008-09-04</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/13492/article/2429/html</guid>
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<item>
	<title>Tech-savvy students not so savvy about ID theft</title>
	<link>http://hffo.cuna.org/13492/article/2428/html</link>
	<description>Despite a high level of technological know-how, college students and other young adults unwittingly make themselves vulnerable to identity theft. These young adult victims then run into serious financial trouble when they apply for a job, insurance, apartment, or mortgage.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>News</category>
	<pubDate>2008-09-02</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/13492/article/2428/html</guid>
</item>
<item>
	<title>Financing Your Small Business</title>
	<link>http://hffo.cuna.org/13492/video/2424/html</link>
	<description>The professionals at your credit union are eager to see you succeed. If you're about to start a small business, make the credit union your first stop.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Video</category>
	<pubDate>2008-09-02</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/13492/video/2424/html</guid>
</item>
<item>
	<title>How You Drive = What You Spend on Gas</title>
	<link>http://hffo.cuna.org/13492/article/2412/html</link>
	<description>Look into the mirror to see your best option for improving gas mileage: you and your driving habits.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-09-08</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/13492/article/2412/html</guid>
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