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    <title>ACMG Federal Credit Union Personal Finance</title>
    <webMaster>kknope@cuna.com (Kevin Knope)</webMaster>
    <link>http://hffo.cuna.org/23450/front/23450/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>2008-08-28</lastBuildDate>
    <item>
	<title>Avoid Conversion Confusion With Roth IRAs</title>
	<link>http://hffo.cuna.org/23450/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.
			
</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-08-25</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/23450/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/23450/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/23450/article/2378/html</guid>
</item>
<item>
	<title>Tough Times Series: What to Do When Your ARM Is Due</title>
	<link>http://hffo.cuna.org/23450/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/23450/article/2001/html</guid>
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<item>
	<title>Putting Credit On Ice Carries Costs, Benefits</title>
	<link>http://hffo.cuna.org/23450/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/23450/article/2379/html</guid>
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<item>
	<title>Tough Times Series: Gouged by Groceries</title>
	<link>http://hffo.cuna.org/23450/article/2380/html</link>
	<description>Rising food prices are taking a bite out of American budgets, but savvy shoppers can snap back with a few painless money-saving strategies.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-08-04</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/23450/article/2380/html</guid>
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<item>
	<title>August Challenge&amp;#151;Zap Home Electricity Expenses</title>
	<link>http://hffo.cuna.org/23450/article/2390/html</link>
	<description>Renewed commitment to eco-friendly habits, as well as rising fuel bills, makes this a good time to pay more attention to home electricity use.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Feature</category>
	<pubDate>2008-08-01</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/23450/article/2390/html</guid>
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<item>
	<title>Advice for car shoppers in slumping economy</title>
	<link>http://hffo.cuna.org/23450/article/2425/html</link>
	<description>Responding to $4 per gallon gasoline prices, consumers are revved up about hybrids. But their craving to drive these eco- and gas-friendly vehicles may not be the best panacea for the problems at the pump.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>News</category>
	<pubDate>2008-08-26</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/23450/article/2425/html</guid>
</item>
<item>
	<title>Ease the pain of medical debt</title>
	<link>http://hffo.cuna.org/23450/article/2419/html</link>
	<description>A whopping 79 million Americans are struggling to pay off hospital and doctor bills, with adults in more income groups than ever before affected by excessive health-care costs, according to a report released last week.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>News</category>
	<pubDate>2008-08-22</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/23450/article/2419/html</guid>
</item>
<item>
	<title>&lt;I&gt;L.A. Times&lt;/I&gt; offers tips to manage cost of living on radio</title>
	<link>http://hffo.cuna.org/23450/article/2418/html</link>
	<description>L.A Times senior writer Kathy Kristof, one of the four guests on this Sunday's H&amp;FF Radio show, shares timely techniques for anyone struggling with today's rising food and gas prices.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>News</category>
	<pubDate>2008-08-21</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/23450/article/2418/html</guid>
</item>
<item>
	<title>Tough Times Series: Credit Counselors Can Help Balance the Bills</title>
	<link>http://hffo.cuna.org/23450/video/1330/html</link>
	<description>Join the Center for Personal Finance director of adult finance publications as she talks about how to decide if you may need financial guidance, and how a credit counselor can help.</description>
	<copyright>Copyright 2007 Credit Union National Association</copyright>
	<category>Video</category>
	<pubDate>2008-08-01</pubDate>
	<guid isPermaLink="true">http://hffo.cuna.org/23450/video/1330/html</guid>
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<item>
	<title>Tough Times Series: Gas, Groceries on Credit a Slippery Slope</title>
	<link>http://hffo.cuna.org/23450/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/23450/article/2411/html</guid>
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