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		<lastmod>2014-10-06T09:22:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/10/07/health-insurance-premiums-increasing-in-2015/</loc>
		<lastmod>2014-10-08T01:16:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/10/16/opm-issues-guidance-on-presidents-long-term-unemployment-initiative/</loc>
		<lastmod>2014-10-16T12:05:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/10/19/2015-cola-for-social-security-federal-retirees-to-be-announced-this-week/</loc>
		<lastmod>2014-10-19T14:24:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/10/27/social-securitys-means-test/</loc>
		<lastmod>2014-10-27T19:42:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/10/26/appeals-court-hands-fired-hhs-employee-his-job-back/</loc>
		<lastmod>2014-10-26T23:11:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/11/07/3-reasons-you-should-start-that-thing-youre-putting-off-you-know-the-one-right-now/</loc>
		<lastmod>2014-11-07T13:05:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/11/04/wild-ride-for-stocks-in-october/</loc>
		<lastmod>2014-11-04T18:33:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/11/05/retirement-claims-inventory-rises-in-october/</loc>
		<lastmod>2014-11-05T17:30:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/11/25/good-intentions-not-a-defense/</loc>
		<lastmod>2014-11-25T20:48:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/02/03/i-forgot-about-it-thats-why-i-deserve-an-extension/</loc>
		<lastmod>2015-02-03T20:17:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/12/14/two-years-means-two-years/</loc>
		<lastmod>2014-12-14T18:14:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/12/07/retirement-claims-inventory-unchanged-in-november/</loc>
		<lastmod>2014-12-07T16:25:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/01/05/it-was-my-attorneys-fault/</loc>
		<lastmod>2015-01-05T19:56:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/01/03/all-tsp-funds-up-in-2014/</loc>
		<lastmod>2015-01-03T16:06:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/02/10/fedsmith-com-users-showing-more-positivity-towards-opms-retirement-processing/</loc>
		<lastmod>2015-02-10T20:44:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/01/06/opm-reduces-retirement-backlog-to-close-out-2014/</loc>
		<lastmod>2015-01-06T22:35:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/01/07/house-passes-hire-more-heroes-act/</loc>
		<lastmod>2015-01-07T13:11:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/01/08/bill-reintroduced-to-open-fehb-to-all-americans/</loc>
		<lastmod>2015-01-08T22:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/01/21/what-do-federal-employees-think-of-president-obamas-job-performance/</loc>
		<lastmod>2015-01-21T20:23:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/01/14/too-sick-to-work-but-well-enough-to-go-to-a-casino/</loc>
		<lastmod>2015-01-14T20:42:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/01/14/obama-to-give-federal-workers-paid-parental-leave/</loc>
		<lastmod>2019-07-04T12:17:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/01/21/2015-state-of-the-union-transcript/</loc>
		<lastmod>2015-01-21T12:59:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/01/23/house-republicans-take-aim-at-shrinking-federal-workforce/</loc>
		<lastmod>2015-01-23T13:37:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/01/28/fmla-and-the-treacherous-triangle/</loc>
		<lastmod>2015-01-28T21:43:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/01/29/chinese-hackers-like-fedsmith-too/</loc>
		<lastmod>2015-01-30T02:25:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/02/06/postal-service-records-754-million-loss-in-q1/</loc>
		<lastmod>2015-02-06T20:20:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/02/17/tapping-a-valuable-resource-the-federal-workforce/</loc>
		<lastmod>2015-02-17T21:22:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/02/16/turn-your-taxable-portfolio-into-a-tax-free-retirement-account/</loc>
		<lastmod>2015-02-16T16:21:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/02/18/the-growing-number-of-wealthy-federal-employees/</loc>
		<lastmod>2015-02-18T20:42:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/02/26/when-you-arent-sure-whether-or-not-to-ask-the-question-ask-the-question/</loc>
		<lastmod>2015-02-26T23:11:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/02/24/veterans-employment-opportunity-act-and-merit-promotions/</loc>
		<lastmod>2015-02-24T20:41:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/03/02/c-fund-investors-enjoy-best-monthly-return-in-5-years/</loc>
		<lastmod>2015-03-02T22:19:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/03/09/8-threats-for-retirement-accounts-under-president-obamas-2016-proposed-budget/</loc>
		<lastmod>2015-03-09T19:44:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/03/19/past-practice-doctrine/</loc>
		<lastmod>2015-03-19T20:47:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/03/06/retirement-claims-backlog-grows-again-in-february/</loc>
		<lastmod>2015-03-06T12:49:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/03/18/winning-has-consequences/</loc>
		<lastmod>2015-03-18T20:51:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/03/12/state-department-spokesman-warned-of-private-email-risks-in-2011/</loc>
		<lastmod>2015-03-12T18:46:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/03/16/seeing-the-va-through-a-patients-eyes/</loc>
		<lastmod>2015-03-16T08:10:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/03/18/march-madness-and-taxes/</loc>
		<lastmod>2015-03-18T18:47:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/03/26/may-100-official-time-for-union-officials-be-a-per-se-statutory-violation/</loc>
		<lastmod>2015-03-26T19:15:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/03/31/csrs-employees-should-you-deposit-money-to-cover-temporary-federal-employment-early-in-your-career/</loc>
		<lastmod>2015-03-31T20:22:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/03/24/will-a-new-budget-cut-g-fund-interest-rates/</loc>
		<lastmod>2015-03-24T19:32:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/04/06/fedsmith-com-users-provide-suggestions-for-improving-the-federal-work-experience/</loc>
		<lastmod>2015-04-06T19:32:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/04/06/retirement-claims-backlog-dips-slightly-in-march/</loc>
		<lastmod>2015-04-06T14:39:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/04/09/melting-walls-and-social-security-numbers-for-dead-people-highlights-from-the-new-waste-watch/</loc>
		<lastmod>2015-04-09T18:51:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/04/23/government-has-a-lot-to-learn-from-google/</loc>
		<lastmod>2015-04-23T08:38:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/04/30/reemployed-annuitant-became-at-will-employee/</loc>
		<lastmod>2015-04-30T18:18:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/04/21/gun-purchase-leads-to-feds-termination/</loc>
		<lastmod>2015-04-21T18:50:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/04/28/who-should-be-the-next-president/</loc>
		<lastmod>2015-04-28T19:47:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/05/13/spring-cleaning-for-your-financial-portfolio/</loc>
		<lastmod>2015-05-13T19:37:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/05/12/racial-bias-in-the-federal-workplace/</loc>
		<lastmod>2015-05-12T18:36:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/05/08/postal-service-records-1-5-billion-net-loss-in-q2/</loc>
		<lastmod>2015-05-08T15:20:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/05/22/new-stamp-a-recipe-for-love/</loc>
		<lastmod>2015-05-22T08:22:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/06/18/what-managers-can-do-to-help-their-employees-prepare-for-retirement/</loc>
		<lastmod>2015-06-18T19:28:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/05/28/two-years-does-not-mean-three-and-a-half-years/</loc>
		<lastmod>2015-05-28T22:42:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/05/16/controlling-overtime-budgets-just-got-harder-for-agencies/</loc>
		<lastmod>2015-05-16T23:22:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/05/26/the-medias-role-in-social-securitys-collapse/</loc>
		<lastmod>2015-05-26T19:45:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/05/19/new-bill-aims-to-cut-federal-workers-prescription-drug-costs/</loc>
		<lastmod>2015-05-19T12:44:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/05/20/fedsmith-com-users-think-racism-is-a-problem-in-the-federal-workplace/</loc>
		<lastmod>2015-05-20T18:08:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/05/19/want-a-10000-bonus-a-new-bill-would-reward-feds-who-report-wasteful-spending/</loc>
		<lastmod>2015-05-20T01:02:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/05/20/congressman-wants-gender-diversity-option-for-the-tsp/</loc>
		<lastmod>2015-05-20T14:43:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/06/02/s-fund-back-on-top-in-may-tsp-returns/</loc>
		<lastmod>2015-06-02T12:36:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/06/14/got-writers-block-here-are-3-things-that-work-every-time/</loc>
		<lastmod>2015-06-14T17:35:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/06/15/federal-boomers-fear-insufficient-retirement-income-are-they-wrong/</loc>
		<lastmod>2015-06-15T18:22:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/06/10/senators-want-more-funding-for-opm/</loc>
		<lastmod>2015-06-10T22:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/06/11/afge-hackers-have-personnel-data-on-every-federal-employee/</loc>
		<lastmod>2015-06-11T20:31:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/06/16/cbo-social-security-needs-a-4-4-payroll-tax-increase/</loc>
		<lastmod>2015-06-16T23:26:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/06/25/fedsmith-com-users-say-its-time-to-scrap-the-tsa/</loc>
		<lastmod>2015-06-25T21:57:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/06/30/senior-executives-are-happier-than-the-employees-they-supervise/</loc>
		<lastmod>2015-06-30T22:29:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/07/01/should-the-district-of-columbia-be-a-state/</loc>
		<lastmod>2015-07-01T20:21:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/07/02/tsp-results-at-mid-year-minor-gains-despite-losses-in-june/</loc>
		<lastmod>2015-07-02T12:36:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/07/12/tips-for-successful-dispute-resolution-at-the-flra/</loc>
		<lastmod>2015-07-12T21:36:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/07/21/how-likely-are-you-to-receive-a-cola-increase-in-2016/</loc>
		<lastmod>2015-07-21T18:36:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/07/20/what-the-heck-is-going-on-at-faa/</loc>
		<lastmod>2015-07-20T12:13:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/07/28/expanding-withdrawal-options-in-the-tsp/</loc>
		<lastmod>2015-07-28T19:20:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/08/03/c-fund-on-top-for-july-i-fund-ahead-for-the-year/</loc>
		<lastmod>2015-08-04T00:47:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/08/10/postal-service-reports-586-million-net-loss-for-spring-quarter/</loc>
		<lastmod>2015-08-10T17:51:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/09/09/dont-lie-on-the-federal-employment-application/</loc>
		<lastmod>2015-09-09T18:27:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/08/17/changing-the-tsp-who-will-pay-for-more-investment-options/</loc>
		<lastmod>2015-08-17T18:42:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/08/19/cola-increase-in-2016-appears-less-likely/</loc>
		<lastmod>2015-08-20T00:57:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/08/30/lets-kill-the-performance-appraisal-process/</loc>
		<lastmod>2015-08-30T20:53:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/09/08/opms-retirement-applications-backlog-remains-nearly-unchanged-in-august/</loc>
		<lastmod>2015-09-08T13:28:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/09/24/why-arent-agencies-using-easier-employee-termination-options/</loc>
		<lastmod>2015-09-24T19:17:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/10/05/despite-10-reduction-retirement-claims-backlog-still-at-almost-15k/</loc>
		<lastmod>2015-10-05T20:15:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/10/08/57-of-federal-employees-are-satisfied-with-their-pay/</loc>
		<lastmod>2015-10-08T18:50:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/10/29/how-the-new-tsp-rules-for-special-category-employees-may-affect-you/</loc>
		<lastmod>2015-10-29T19:06:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/10/24/gao-study-on-ofccp-underway/</loc>
		<lastmod>2015-10-24T22:27:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/11/01/who-wins-and-who-loses-from-the-proposed-legislation-for-medicare-part-b-premiums/</loc>
		<lastmod>2015-11-01T15:02:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/11/02/tsp-stock-funds-score-solid-gains-in-october/</loc>
		<lastmod>2015-11-03T01:55:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/11/12/federal-rules-trump-state-court-domestic-relations-order/</loc>
		<lastmod>2015-11-12T19:17:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/11/23/fdic-attorney-pleads-guilty-to-defrauding-a-bank/</loc>
		<lastmod>2015-11-23T20:05:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/12/02/s-fund-gives-tsp-investors-1-75-return-in-november/</loc>
		<lastmod>2015-12-02T15:57:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/12/05/little-change-to-opms-retirement-backlog-in-november/</loc>
		<lastmod>2015-12-05T16:05:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/12/17/new-cbo-report-highlights-financial-problems-with-social-security/</loc>
		<lastmod>2015-12-17T18:54:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2015/12/22/date-set-for-start-of-2016-tax-season/</loc>
		<lastmod>2015-12-22T13:31:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2016/01/05/calm-before-the-storm-opm-makes-gains-on-retirement-backlog-to-close-out-2015/</loc>
		<lastmod>2016-01-05T20:00:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2016/01/19/election-season-heating-up-which-candidate-do-you-support/</loc>
		<lastmod>2016-01-19T18:50:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2016/01/25/should-the-fehb-be-required-to-cover-speech-generating-devices-for-the-hearing-impaired/</loc>
		<lastmod>2016-01-25T19:36:19+00:00</lastmod>
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		<lastmod>2016-02-01T20:20:21+00:00</lastmod>
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		<loc>https://www.fedsmith.com/2016/01/28/the-tsp-is-popular-should-a-similar-program-exist-for-other-americans/</loc>
		<lastmod>2016-01-28T22:52:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2016/02/03/change-in-the-sf-50-does-not-bestow-appeal-rights/</loc>
		<lastmod>2016-02-03T19:06:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/10/17/holder-federal-benefits-now-available-to-gay-couples-in-seven-new-states/</loc>
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