<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="//www.fedsmith.com/main-sitemap.xsl"?>
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd http://www.google.com/schemas/sitemap-image/1.1 http://www.google.com/schemas/sitemap-image/1.1/sitemap-image.xsd" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<url>
		<loc>https://www.fedsmith.com/2013/08/11/writing-tip-use-simpler-words/</loc>
		<lastmod>2013-08-11T16:08:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/12/04/retirement-myths-the-magic-85-formula/</loc>
		<lastmod>2013-12-04T20:51:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/10/27/retirement-myths-the-social-security-earnings-test/</loc>
		<lastmod>2013-10-27T18:55:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/09/09/retirement-myths-is-congress-considering-offering-a-buyout-to-federal-employees/</loc>
		<lastmod>2013-09-09T18:06:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/07/01/the-uniquely-unionized-national-guard/</loc>
		<lastmod>2013-07-01T22:46:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/07/01/down-month-for-tsp-stock-investors/</loc>
		<lastmod>2013-07-01T15:17:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/07/02/brave-new-world-of-health-insurance/</loc>
		<lastmod>2013-07-02T22:42:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/07/08/tsa-dont-be-alarmed-by-muslim-practices-during-ramadan/</loc>
		<lastmod>2013-07-08T23:31:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/07/22/is-it-okay-to-make-your-work-documents-funny/</loc>
		<lastmod>2013-07-22T07:24:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/07/09/legislation-calls-for-putting-a-national-park-on-the-moon/</loc>
		<lastmod>2013-07-09T21:34:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/07/11/legislation-introduced-to-eliminate-dod-furloughs/</loc>
		<lastmod>2013-07-11T17:10:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/07/24/battling-cancer-sometimes-youre-the-louisville-slugger-sometimes-youre-the-ball/</loc>
		<lastmod>2013-07-25T00:22:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/07/18/wwii-and-postal-veteran-set-to-retire-after-61-years/</loc>
		<lastmod>2013-07-18T15:23:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/07/13/furloughed-federal-employees-take-to-facebook-to-vent/</loc>
		<lastmod>2013-07-14T02:55:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/07/16/senators-question-education-departments-role-in-obamacare/</loc>
		<lastmod>2013-07-16T18:49:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/07/16/irs-cancels-july-22-furlough-day/</loc>
		<lastmod>2013-07-17T02:37:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/07/17/legislation-would-allow-recording-of-conversations-with-federal-employees/</loc>
		<lastmod>2013-07-18T01:12:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/07/22/frtib-announces-new-board-member/</loc>
		<lastmod>2013-07-22T16:29:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/07/26/mikulski-fighting-for-federal-employees/</loc>
		<lastmod>2013-07-26T14:34:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/07/26/gop-defund-obamacare-or-risk-a-government-shutdown/</loc>
		<lastmod>2013-07-26T15:08:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/07/30/no-right-to-counsel-in-mspb-appeal/</loc>
		<lastmod>2013-07-31T03:11:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/08/01/all-tsp-funds-up-in-july/</loc>
		<lastmod>2013-08-01T18:00:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/08/03/legislation-would-require-agencies-to-maintain-property-inventories/</loc>
		<lastmod>2013-08-03T14:35:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/08/05/senate-postal-bill-includes-pension-and-federal-workers-compensation-reforms/</loc>
		<lastmod>2013-08-05T07:39:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/08/05/should-federal-employees-continue-to-be-in-the-fehbp/</loc>
		<lastmod>2013-08-05T19:11:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/08/06/opm-still-has-sizable-retirement-claims-backlog/</loc>
		<lastmod>2013-08-06T08:28:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/08/07/irs-cancels-august-30-furlough-day/</loc>
		<lastmod>2013-08-07T20:01:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/08/08/fedsmith-com-users-overwhelmingly-reject-inclusion-in-new-health-care-program/</loc>
		<lastmod>2013-08-08T14:41:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/08/25/do-not-mess-with-the-irs/</loc>
		<lastmod>2013-08-25T13:27:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/08/15/military-managers-and-federal-unions-ten-things-to-keep-in-mind/</loc>
		<lastmod>2013-08-15T23:10:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/08/19/how-one-federal-employee-used-furlough-days-to-his-advantage/</loc>
		<lastmod>2013-08-19T22:48:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/08/26/opm-urging-telework-on-wednesday-august-28/</loc>
		<lastmod>2013-08-26T16:37:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/08/28/fedsmith-com-users-say-ft-hood-shooting-is-act-of-terrorism/</loc>
		<lastmod>2013-08-28T19:47:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/09/19/quick-actions-save-the-day/</loc>
		<lastmod>2013-09-19T17:28:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/09/27/rural-carrier-saves-customer-in-tight-squeeze/</loc>
		<lastmod>2013-09-27T11:08:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/09/08/compassion-leads-to-life-saving-action/</loc>
		<lastmod>2013-09-08T22:10:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/08/29/military-and-postal-veteran-survives-pit-bull-attack/</loc>
		<lastmod>2013-08-29T17:05:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/10/08/helping-others-a-joy-of-the-job/</loc>
		<lastmod>2013-10-08T14:30:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/08/29/tax-rules-issued-for-same-sex-couples/</loc>
		<lastmod>2013-08-29T18:55:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/09/03/tsp-funds-fall-in-august/</loc>
		<lastmod>2013-09-03T16:13:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/09/08/how-well-is-opm-handling-your-retirement-application/</loc>
		<lastmod>2013-09-08T23:07:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/09/10/federal-employee-groups-concerned-about-health-care-and-workers-comp-provisions/</loc>
		<lastmod>2013-09-10T13:09:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/09/10/legislation-introduced-to-stop-lawmakers-exemption-from-obamacare/</loc>
		<lastmod>2013-09-10T23:15:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/09/12/coburn-tells-federal-employees-to-turn-off-the-lights/</loc>
		<lastmod>2013-09-12T16:44:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/10/24/dont-let-detroit-happen-to-you/</loc>
		<lastmod>2013-10-24T19:44:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/09/16/manager-selected-for-i-fund/</loc>
		<lastmod>2013-09-16T21:02:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/09/20/house-passes-bill-to-fund-government-defund-obamacare/</loc>
		<lastmod>2013-09-20T15:41:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/09/20/frtib-issues-interim-final-rule-defining-spouse/</loc>
		<lastmod>2013-09-20T16:01:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/09/29/shutdown-would-result-in-furloughs-for-many-fedsmith-com-users/</loc>
		<lastmod>2013-09-29T14:36:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/09/30/mspb-to-cease-operations-in-a-shutdown/</loc>
		<lastmod>2013-10-01T01:24:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/10/01/obama-issues-letter-to-federal-workforce/</loc>
		<lastmod>2013-10-01T17:42:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/10/02/tsp-investors-reap-good-returns-in-september/</loc>
		<lastmod>2013-10-02T14:11:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/10/08/flra-confirmation-hearings-softball-questions-vague-answers-no-substance/</loc>
		<lastmod>2013-10-08T22:18:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/10/13/shutdown-having-impact-on-fedsmith-com-users/</loc>
		<lastmod>2013-10-13T14:04:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/10/15/serious-mistakes-in-opm-guidance-on-shutdown-furloughs/</loc>
		<lastmod>2013-10-15T22:16:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/10/17/federal-employees-told-to-return-to-work-today/</loc>
		<lastmod>2013-10-17T11:37:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/10/21/mobile-version-of-tsp-gov-web-site-released/</loc>
		<lastmod>2013-10-21T14:36:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/10/22/irs-to-delay-tax-filing-season/</loc>
		<lastmod>2013-10-22T21:12:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/11/18/take-this-job-and/</loc>
		<lastmod>2013-11-19T01:59:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/11/06/misuse-of-a-federal-law-enforcement-data-system-leads-to-removal/</loc>
		<lastmod>2013-11-06T22:44:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/10/30/social-security-and-medicare-changes-under-new-cola/</loc>
		<lastmod>2013-10-31T00:10:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/10/31/senate-confirms-flra-opm-nominees/</loc>
		<lastmod>2013-10-31T17:30:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/11/01/2014-tax-inflation-adjustments/</loc>
		<lastmod>2013-11-01T19:12:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/11/01/2014-tsp-contribution-limits/</loc>
		<lastmod>2013-11-02T00:55:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/11/06/shutdown-doesnt-slow-opms-retirement-processing/</loc>
		<lastmod>2013-11-06T14:08:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/11/07/cutting-the-deficit-by-altering-federal-retirement-contributions/</loc>
		<lastmod>2013-11-07T19:11:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/11/18/fedsmith-com-users-say-no-to-arming-tsa-agents/</loc>
		<lastmod>2013-11-18T08:59:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/11/21/fedsmith-com-users-facing-higher-health-care-costs-in-2014/</loc>
		<lastmod>2013-11-21T22:42:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/11/25/bill-would-create-socially-responsible-tsp-fund/</loc>
		<lastmod>2013-11-25T14:10:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/04/04/what-signal-does-your-writing-send/</loc>
		<lastmod>2014-04-04T07:11:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/12/02/29-17-percent-return-on-c-fund-in-2013-through-november/</loc>
		<lastmod>2013-12-02T22:56:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/12/05/the-overlooked-answer-better-bosses/</loc>
		<lastmod>2013-12-05T21:55:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/12/05/retirement-backlog-stays-flat-in-november/</loc>
		<lastmod>2013-12-06T02:54:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/12/06/suggested-new-years-resolutions-for-2014/</loc>
		<lastmod>2013-12-07T02:02:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/12/09/bad-weather-in-dc-2-hours-delay-in-arriving-to-work/</loc>
		<lastmod>2013-12-09T12:28:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/12/09/nominations-being-accepted-for-2014-sammies-awards/</loc>
		<lastmod>2013-12-10T02:26:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/12/10/budget-agreement-to-increase-pension-contributions-for-new-employees/</loc>
		<lastmod>2013-12-11T01:23:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/12/12/postal-service-retirees-medicare-and-implications-for-other-federal-retirees/</loc>
		<lastmod>2013-12-12T16:28:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/12/18/satisfaction-with-government-jobs-dropping/</loc>
		<lastmod>2013-12-18T13:41:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/12/18/senate-passes-budget-bill/</loc>
		<lastmod>2013-12-18T23:13:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2013/12/23/reintroducing-myself-to-me/</loc>
		<lastmod>2013-12-23T18:56:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/01/11/kidney-cancer-puts-me-into-the-hospital-and-creates-other-havoc/</loc>
		<lastmod>2014-01-11T16:27:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/01/21/union-official-time-to-lobby-congress/</loc>
		<lastmod>2014-01-21T21:13:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/01/07/i-got-offered-an-early-out-now-what/</loc>
		<lastmod>2014-01-08T03:16:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/01/03/big-year-for-tsp-stock-investors-c-fund-return-32-45/</loc>
		<lastmod>2014-01-03T14:23:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/01/02/federal-government-to-be-open-in-dc-on-january-3rd/</loc>
		<lastmod>2014-01-03T03:48:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/01/04/the-best-day-to-retire-in-2014/</loc>
		<lastmod>2014-01-05T02:10:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/01/06/opm-anticipating-surge-of-new-retirement-applications-in-january/</loc>
		<lastmod>2014-01-06T15:31:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/03/14/so-is-multitasking-good-or-bad-for-you/</loc>
		<lastmod>2014-03-14T13:17:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/01/14/eeoc-meets-english-common-law/</loc>
		<lastmod>2014-01-15T03:21:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/03/03/disrespect-for-wwii-vet-leads-to-firing/</loc>
		<lastmod>2014-03-03T08:46:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/02/20/integrity-issues-lead-to-a-suspension-that-leads-to-a-five-grade-demotion/</loc>
		<lastmod>2014-02-20T20:17:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/01/27/win-the-war-but-not-the-battle/</loc>
		<lastmod>2014-01-27T19:19:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/02/04/maximizing-your-social-security-benefits/</loc>
		<lastmod>2014-02-04T20:32:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/02/11/maximizing-your-social-security-benefits-file-and-suspend/</loc>
		<lastmod>2014-02-12T01:33:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/01/23/fedsmith-com-users-say-federal-hiring-process-is-ineffective/</loc>
		<lastmod>2014-01-23T20:13:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/01/31/obamas-myra-proposal-makes-g-fund-lookalike-available-to-general-public/</loc>
		<lastmod>2014-01-31T21:33:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/02/04/strengthening-safeguards-for-federal-employment/</loc>
		<lastmod>2014-02-04T16:58:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/02/05/freezing-rain-in-dc-area-government-is-open-but-unscheduled-leave-is-an-option/</loc>
		<lastmod>2014-02-05T12:26:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/02/05/opms-retirement-backlog-nearly-doubles-in-january/</loc>
		<lastmod>2014-02-05T22:05:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/02/09/fedsmith-com-users-say-country-is-moving-in-the-wrong-direction/</loc>
		<lastmod>2014-02-10T03:48:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/02/25/family-medical-leave-act-update-on-intermittent-leave/</loc>
		<lastmod>2014-02-25T23:35:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/02/12/federal-government-closed-in-dc-area-on-thursday/</loc>
		<lastmod>2014-02-13T03:04:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/03/02/the-problem-with-situational-disability-in-a-federal-disability-retirement-application-the-laymans-initial-characterization/</loc>
		<lastmod>2014-03-02T15:16:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/03/03/groveland-team-praised-for-outstanding-service/</loc>
		<lastmod>2014-03-04T02:32:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/03/13/hcr-honored-for-service/</loc>
		<lastmod>2014-03-13T13:25:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/03/16/stamps-honor-hero-of-world-war-ii/</loc>
		<lastmod>2014-03-16T19:30:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/03/08/seaside-carrier-helps-elderly-woman/</loc>
		<lastmod>2014-03-09T00:40:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/03/05/thrift-savings-plan-tsp-benefits-and-challenges/</loc>
		<lastmod>2014-03-05T21:19:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/03/10/opm-retirement-backlog-continues-to-grow/</loc>
		<lastmod>2014-03-11T00:35:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/03/20/involving-employees-in-work-related-decisions/</loc>
		<lastmod>2014-03-20T19:49:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/03/25/what-does-the-merit-systems-protection-board-have-in-common-with-federal-health-care-enrollment/</loc>
		<lastmod>2014-03-25T20:13:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/04/16/practice-makes-perfect/</loc>
		<lastmod>2014-04-16T18:28:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/03/25/self-plus-one-health-insurance-enrollment-starts-january-1-2016/</loc>
		<lastmod>2014-03-25T12:30:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/03/25/congressmen-want-to-see-updated-official-time-report-from-opm/</loc>
		<lastmod>2014-03-25T20:34:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/04/01/supreme-court-backs-federal-circuit-over-mspb-on-position-sensitivity-cases/</loc>
		<lastmod>2014-04-01T23:51:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/04/02/stocks-up-slightly-in-march-for-most-tsp-funds/</loc>
		<lastmod>2014-04-02T15:27:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/04/07/opm-reduces-retirement-backlog/</loc>
		<lastmod>2014-04-07T18:12:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/04/24/volunteer-jury-duty-leads-to-firing/</loc>
		<lastmod>2014-04-25T01:00:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/04/15/fedsmith-com-users-favor-inclusion-of-obesity-drugs-in-fehb/</loc>
		<lastmod>2014-04-16T01:43:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/04/unprofessional-uncivil-and-somewhat-boorish/</loc>
		<lastmod>2014-05-05T03:28:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/04/17/buyouts-and-early-outs-what-you-need-to-know/</loc>
		<lastmod>2014-04-17T19:50:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/04/18/mans-soda-refill-at-va-hospital-costs-him-525/</loc>
		<lastmod>2014-04-18T13:12:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/04/29/knowing-understanding-and-protecting-the-rights-of-federal-employees/</loc>
		<lastmod>2014-04-29T12:52:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/04/24/federal-workforce-demographics-baby-boomers-dominate/</loc>
		<lastmod>2014-04-24T17:09:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/04/27/new-rule-allows-tsp-to-garnish-wages-of-former-federal-employees/</loc>
		<lastmod>2014-04-27T17:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/01/is-phased-retirement-in-your-future/</loc>
		<lastmod>2014-05-01T07:15:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/08/18/your-tsp-roll-it-over-or-leave-it/</loc>
		<lastmod>2014-08-18T18:52:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/28/your-minimum-retirement-age-and-how-it-will-impact-your-federal-employee-annuity/</loc>
		<lastmod>2014-05-28T19:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/04/25/what-happens-to-the-spousal-benefit-after-wife-passes/</loc>
		<lastmod>2014-04-25T21:48:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/04/28/rolling-over-your-tsp/</loc>
		<lastmod>2014-04-28T12:18:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/02/effect-on-annuity-when-returning-to-government-work/</loc>
		<lastmod>2014-05-03T01:09:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/07/social-security-benefit-for-resident-alien/</loc>
		<lastmod>2014-05-07T17:36:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/09/can-i-do-the-restrictive-spousal-benefit/</loc>
		<lastmod>2014-05-09T13:52:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/13/government-matching-in-tsp-when-you-are-over-50/</loc>
		<lastmod>2014-05-13T15:08:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/05/retirement-claims-backlog-drops-slightly-in-april/</loc>
		<lastmod>2014-05-05T16:49:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/15/not-electing-medicare-part-b-to-cover-health-premiums/</loc>
		<lastmod>2014-05-15T07:45:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/21/can-the-fers-supplement-for-a-spouse-be-lost/</loc>
		<lastmod>2014-05-21T19:48:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/26/social-security-and-csrs-earnings/</loc>
		<lastmod>2014-05-26T15:25:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/06/04/what-forms-do-i-need-to-designate-my-tsp-to-my-children/</loc>
		<lastmod>2014-06-04T10:33:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/08/21/csrs-offset/</loc>
		<lastmod>2014-08-21T10:54:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/06/11/suspending-social-security-benefits/</loc>
		<lastmod>2014-06-11T11:52:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/07/09/postponing-retirement-under-fers/</loc>
		<lastmod>2014-07-09T13:14:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/07/01/withdrawing-government-annuity-early/</loc>
		<lastmod>2014-07-01T13:27:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/14/planning-for-short-term-cash-flow-after-retirement/</loc>
		<lastmod>2014-05-14T19:14:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/07/22/should-i-apply-for-retirement-6-months-in-advance/</loc>
		<lastmod>2014-07-22T10:22:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/11/how-are-my-retirement-earnings-taxed/</loc>
		<lastmod>2014-05-11T17:21:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/08/05/how-much-will-my-pension-be-cut-when-i-apply-for-social-security/</loc>
		<lastmod>2014-08-05T10:37:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/10/am-i-legal/</loc>
		<lastmod>2014-05-10T21:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/12/frtib-awards-annuity-contract/</loc>
		<lastmod>2014-05-12T20:11:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/09/postal-service-loses-1-9-billion-in-q2/</loc>
		<lastmod>2014-05-09T21:08:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/15/bill-would-stop-congressmen-from-flying-first-class-at-taxpayer-expense/</loc>
		<lastmod>2014-05-15T14:18:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/06/26/was-the-fers-special-supplement-terminated/</loc>
		<lastmod>2014-06-26T09:17:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/06/03/is-military-time-creditable-towards-the-fers-multiplier/</loc>
		<lastmod>2014-06-03T08:32:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/06/06/afge-cautiously-optimistic-on-va-bill/</loc>
		<lastmod>2014-06-06T19:21:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/07/14/calculating-your-high-three-salary/</loc>
		<lastmod>2014-07-14T16:13:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/06/23/opm-proposes-new-definition-of-spouse-as-it-relates-to-federal-benefits/</loc>
		<lastmod>2014-06-24T00:49:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/07/01/gpo-to-offer-buyoutsearly-outs-this-fall/</loc>
		<lastmod>2014-07-01T19:52:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/08/14/adding-federal-service-to-state-retirement-system/</loc>
		<lastmod>2014-08-14T10:35:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/07/19/frtib-selects-manager-for-s-fund/</loc>
		<lastmod>2014-07-19T15:17:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/07/28/social-security-solvent-until-2033/</loc>
		<lastmod>2014-07-28T16:42:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/07/31/worst-agencies-for-internal-communication/</loc>
		<lastmod>2014-07-31T10:14:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/08/01/congressmen-introduce-federal-it-procurement-reform-bill/</loc>
		<lastmod>2014-08-01T18:35:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/08/07/opm-finally-issuing-phased-retirement-regulations/</loc>
		<lastmod>2014-08-07T16:03:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/08/08/phased-retirement-what-they-are-saying/</loc>
		<lastmod>2014-08-08T19:06:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/08/10/phased-retirement-answers-to-some-common-questions/</loc>
		<lastmod>2014-08-10T21:31:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/22/firing-tax-delinquent-feds-still-on-the-table/</loc>
		<lastmod>2014-05-22T16:50:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/08/12/phased-retirement-and-the-tsp/</loc>
		<lastmod>2014-08-13T02:26:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/08/13/house-committee-recommends-big-changes-for-the-irs/</loc>
		<lastmod>2014-08-13T17:26:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/06/04/fedsmith-com-users-overwhelmingly-reject-use-of-private-tax-collectors/</loc>
		<lastmod>2014-06-04T18:32:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/29/know-your-rights-as-a-federal-employee-to-avoid-unfair-treatment/</loc>
		<lastmod>2014-05-29T20:34:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/08/19/study-half-of-americans-not-prepared-for-retirement/</loc>
		<lastmod>2014-08-19T15:22:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/08/20/eeo-complainant-awards-up-in-2012/</loc>
		<lastmod>2014-08-20T14:49:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/08/21/tsp-participation-hits-record-high/</loc>
		<lastmod>2014-08-21T17:18:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/28/37th-los-angeles-postmaster-takes-helm/</loc>
		<lastmod>2014-05-28T15:32:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/30/shinseki-resigns-over-escalating-va-scandal/</loc>
		<lastmod>2014-05-30T16:07:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/06/03/legislation-introduced-to-stop-epa-carbon-rule/</loc>
		<lastmod>2014-06-03T12:50:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/06/04/inspector-general-investigations-and-unions/</loc>
		<lastmod>2014-06-04T08:08:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/06/04/bill-would-allow-veterans-to-sue-va-employees/</loc>
		<lastmod>2014-06-04T15:08:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/06/11/legislation-proposes-social-security-enhancements/</loc>
		<lastmod>2014-06-12T02:12:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/06/17/10-questions-you-need-answers-to/</loc>
		<lastmod>2014-06-17T17:50:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/06/16/opm-removes-prohibition-on-sex-change-coverage-under-fehb/</loc>
		<lastmod>2014-06-16T18:35:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/06/18/retirement-claims-backlog-dips-slightly-in-may/</loc>
		<lastmod>2014-06-18T23:28:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/06/22/congress-set-to-reinvent-the-wheel-again-by-politicizing-the-ses-system-at-dva/</loc>
		<lastmod>2014-06-22T15:47:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/07/24/dog-bites-mail-carrier-and-supervisor-is-removed/</loc>
		<lastmod>2014-07-24T19:48:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/06/24/coburn-report-reveals-extent-of-problems-at-va/</loc>
		<lastmod>2014-06-24T13:09:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/07/06/the-risks-of-privatizing-social-security/</loc>
		<lastmod>2014-07-06T15:51:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/06/27/legislation-introduced-to-reform-federal-hiring-process/</loc>
		<lastmod>2014-06-27T13:46:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/06/30/supreme-court-upholds-right-to-work-practice-for-public-employees/</loc>
		<lastmod>2014-06-30T16:45:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/07/01/first-half-of-2014-all-tsp-funds-are-up/</loc>
		<lastmod>2014-07-01T17:02:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/07/03/do-you-owe-back-taxes-and-have-a-tsp-account-be-forewarned/</loc>
		<lastmod>2014-07-03T14:23:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/07/07/fedsmith-com-users-say-working-for-government-isnt-cool/</loc>
		<lastmod>2014-07-08T01:44:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/07/07/opm-slowly-reducing-retirement-backlog/</loc>
		<lastmod>2014-07-07T19:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/08/04/is-your-brain-limiting-your-federal-success/</loc>
		<lastmod>2014-08-04T18:49:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/08/01/market-sinks-on-july-31-all-tsp-stock-funds-down-in-july/</loc>
		<lastmod>2014-08-01T15:40:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/08/05/retirement-backlog-grows-in-july/</loc>
		<lastmod>2014-08-06T00:12:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/08/11/postal-service-loses-2-billion-in-q3/</loc>
		<lastmod>2014-08-11T15:32:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/08/18/keen-attention-helps-elderly-man/</loc>
		<lastmod>2014-08-18T13:42:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/08/24/the-mailbox-rule/</loc>
		<lastmod>2014-08-24T18:50:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.fedsmith.com/2014/05/29/how-do-you-calculate-your-social-security-supplement/</loc>
		<lastmod>2014-05-29T08:26:20+00:00</lastmod>
	</url>
</urlset>
<!-- XML Sitemap generated by Rank Math SEO Plugin (c) Rank Math - rankmath.com -->