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        <title>elements Podcast</title>
        <description>The elements podcast is about  money. How to make it, spend it, borrow it, save it, and keep it safe.  </description>
        <link>http://www.elementspodcast.com/</link>
        <copyright>2009 by Subcat, Inc.</copyright>
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        <lastBuildDate>Tue, 07 Jul 2009 10:29:41 -0700</lastBuildDate>
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        <itunes:subtitle>The elements podcast is about money. How to make it, spend it, borrow it, save it, and keep it safe.</itunes:subtitle>
        <itunes:summary>The elements podcast is about money. How to make it, spend it, borrow it, save it, and keep it safe.</itunes:summary>
        <itunes:category text="Business">
            <itunes:category text="Investing" />
        </itunes:category>
        <itunes:keywords>Money, credit union, personal finance, saving, credit, loans, scholarship</itunes:keywords>
        <itunes:author>Elements</itunes:author>
        <itunes:owner>
            <itunes:email>feedback@elementspodcat.com</itunes:email>
            <itunes:name>Subcat, Inc.</itunes:name>
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            <title>elements Podcast</title>
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        <media:copyright>2009 by Subcat, Inc.</media:copyright><media:thumbnail url="http://www.elementspodcast.com/images/e_logo.jpg" /><media:keywords>Money, credit union, personal finance, saving, credit, loans, scholarship</media:keywords><media:category scheme="http://www.itunes.com/dtds/podcast-1.0.dtd">Business/Investing</media:category><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="self" href="http://feeds.feedburner.com/elementsPodcast" type="application/rss+xml" /><feedburner:feedFlare href="http://add.my.yahoo.com/rss?url=http%3A%2F%2Ffeeds.feedburner.com%2FelementsPodcast" src="http://us.i1.yimg.com/us.yimg.com/i/us/my/addtomyyahoo4.gif">Subscribe with My Yahoo!</feedburner:feedFlare><feedburner:feedFlare href="http://www.newsgator.com/ngs/subscriber/subext.aspx?url=http%3A%2F%2Ffeeds.feedburner.com%2FelementsPodcast" src="http://www.newsgator.com/images/ngsub1.gif">Subscribe with NewsGator</feedburner:feedFlare><feedburner:feedFlare href="http://www.netvibes.com/subscribe.php?url=http%3A%2F%2Ffeeds.feedburner.com%2FelementsPodcast" src="http://www.netvibes.com/img/add2netvibes.gif">Subscribe with Netvibes</feedburner:feedFlare><feedburner:feedFlare href="http://fusion.google.com/add?feedurl=http%3A%2F%2Ffeeds.feedburner.com%2FelementsPodcast" src="http://buttons.googlesyndication.com/fusion/add.gif">Subscribe with Google</feedburner:feedFlare><feedburner:feedFlare href="http://www.pageflakes.com/subscribe.aspx?url=http%3A%2F%2Ffeeds.feedburner.com%2FelementsPodcast" src="http://www.pageflakes.com/ImageFile.ashx?instanceId=Static_4&amp;fileName=ATP_blu_91x17.gif">Subscribe with Pageflakes</feedburner:feedFlare><feedburner:feedFlare href="http://my.feedlounge.com/external/subscribe?url=http%3A%2F%2Ffeeds.feedburner.com%2FelementsPodcast" src="http://static.feedlounge.com/buttons/subscribe_0.gif">Subscribe with FeedLounge</feedburner:feedFlare><feedburner:feedFlare href="http://www.live.com/?add=http%3A%2F%2Ffeeds.feedburner.com%2FelementsPodcast" src="http://tkfiles.storage.msn.com/x1piYkpqHC_35nIp1gLE68-wvzLZO8iXl_JMledmJQXP-XTBOLfmQv4zhj4MhcWEJh_GtoBIiAl1Mjh-ndp9k47If7hTaFno0mxW9_i3p_5qQw">Subscribe with Live.com</feedburner:feedFlare><feedburner:feedFlare href="http://odeo.com/listen/subscribe?feed=http%3A%2F%2Ffeeds.feedburner.com%2FelementsPodcast" src="http://odeo.com/img/badge-channel-black.gif">Subscribe with ODEO</feedburner:feedFlare><feedburner:feedFlare href="http://www.podnova.com/add.srf?url=http%3A%2F%2Ffeeds.feedburner.com%2FelementsPodcast" src="http://www.podnova.com/img_chicklet_podnova.gif">Subscribe with Podnova</feedburner:feedFlare><feedburner:feedFlare href="http://mix.excite.eu/add?feedurl=http%3A%2F%2Ffeeds.feedburner.com%2FelementsPodcast" src="http://image.excite.co.uk/mix/addtomix.gif">Subscribe with Excite MIX</feedburner:feedFlare><item>
            <title>Frugal Fashion Sense</title>
            <description>Learn how to  "dress to impress" without spending your last dollar.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <category>money, teen, credit union</category>
            
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            <pubDate>Tue, 07 Jul 2009 10:29:35 -0700</pubDate>
            <itunes:subtitle>Frugal Fashion Sense</itunes:subtitle>
            <itunes:summary>Learn how to  "dress to impress" without spending your last dollar.</itunes:summary>
            <itunes:duration>00:05:45</itunes:duration>
            <itunes:keywords>money, teen, credit union, fashion</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        <media:content url="http://feedproxy.google.com/~r/elementsPodcast/~5/3XcgQswhupY/2009_07_01_elements.mp3" fileSize="5400000" type="audio/mpeg" /><feedburner:origLink>http://www.elementspodcast.com</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/elementsPodcast/~5/3XcgQswhupY/2009_07_01_elements.mp3" length="5400000" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.elementspodcast.com/vault/2009/2009_07_01_elements.mp3</feedburner:origEnclosureLink></item>

        <item>
            <title>Music and Money</title>
            <description>Whether you’re a musician in a band, or simply a fan who loves listening to music and going to concerts, we have tips to help you save money.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <category>money, finance, music</category>
            
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            <pubDate>Fri, 05 Jun 2009 10:31:32 -0700</pubDate>
            <itunes:subtitle>Music and Money</itunes:subtitle>
            <itunes:summary>The elements podcast is about  money. How to make it, spend it, borrow it, save it, and keep it safe. In each podcast we'll talk about real world issues affecting young people and money. </itunes:summary>
            <itunes:duration>7:29</itunes:duration>
            <itunes:keywords>music, money, youth, finance</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
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        <item>
            <title>Building a solid credit history while you're young</title>
            <description>In this episode, Jenny and Nikki talk about things young people can do to start building a positive credit history.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <category>family, finance</category>
            
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            <pubDate>Wed, 06 May 2009 11:41:23 -0700</pubDate>
            <itunes:subtitle>Building a solid credit history while you're young</itunes:subtitle>
            <itunes:summary>In this episode, Jenny and Nikki talk about things young people can do to start building a positive credit history. </itunes:summary>
            <itunes:duration>6:40</itunes:duration>
            <itunes:keywords>money, credit, teen, credit union</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
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        <item>
            <title>What do you REALLY need?</title>
            <description>Do you know the difference between Needs and Wants? In this episode, Nikki and Jenny help you determine what you really need to get by in today's economy.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <category>finance, family</category>
            
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            <pubDate>Wed, 08 Apr 2009 10:53:02 -0700</pubDate>
            <itunes:subtitle>What do you REALLY need?</itunes:subtitle>
            <itunes:summary>Do you know the difference between Needs and Wants? In this episode, Nikki and Jenny help you determine what you really need to get by in today's economy. </itunes:summary>
            <itunes:duration>6:40</itunes:duration>
            <itunes:keywords>money, finance</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
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        <item>
            <title>Get More Stuff for Less Money</title>
            <description>Meet Nikki and Jenny, the new hosts of The Elements of Money podcast. In today's episode, we  beat back the recession with tips on how to make your money go farther. From going to the movies to shopping for sales, these tips prove that economy doesn't have to get you down.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <category>money, youth, family</category>
            
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            <pubDate>Wed, 04 Mar 2009 10:30:15 -0800</pubDate>
            <itunes:subtitle>More Stuff for Less Money</itunes:subtitle>
            <itunes:summary>Meet Nikki and Jenny, the new hosts of The Elements of Money podcast. In today's episode, we  beat back the recession with tips on how to make your money go farther. From going to the movies to shopping for sales, these tips prove that economy doesn't have to get you down.</itunes:summary>
            <itunes:duration>5:15</itunes:duration>
            <itunes:keywords>money, finance, teens,</itunes:keywords>
            <itunes:author>Subcat</itunes:author>
            <itunes:explicit>no</itunes:explicit>
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        <item>
            <title>Exploring Checking Accounts</title>
            <description>In this episode, Catie and Joey talk about everything you need to know about checking accounts, including how to avoid bounced checks and fees. Also in this episode: great business ideas for young entrepreneurs.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <category>money, finance</category>
            
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            <pubDate>Tue, 06 Jan 2009 21:30:14 -0800</pubDate>
            <itunes:subtitle>Exploring Checking Accounts</itunes:subtitle>
            <itunes:summary>In this episode, Catie and Joey talk about everything you need to know about checking accounts, including how to avoid bounced checks and fees. Also in this episode: great business ideas for young entrepreneurs.</itunes:summary>
            <itunes:duration>7:27</itunes:duration>
            <itunes:keywords>checking account, credit union, money, teens, finance</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
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        <item>
            <title>Pay to Play: Sports and Money</title>
            <description>Whether you're an Olympic-bound athlete or just play sports for fun, we have a way for you to save money on equipment, lessons and even transportation. Catie and Joey talk about typical sports expenses, and ways to make playing affordable. Also in this episode: three organizations that can help  young entrepreneurs.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <category>family, money, sports</category>
            
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            <pubDate>Tue, 03 Feb 2009 09:51:20 -0800</pubDate>
            <itunes:subtitle>Pay to Play: Sports and Money</itunes:subtitle>
            <itunes:summary>Whether you're an Olympic-bound athlete or just play sports for fun, Catie and Joey share their tips to make playing more affordable. Also in this episode:  three organizations that help young entrepreneurs.</itunes:summary>
            <itunes:duration>6:48</itunes:duration>
            <itunes:keywords>sports, money, teen, credit union</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
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        <item>
            <title>Top Ten Money Tips from 2008</title>
            <description>From lowering your cell phone bill to spending less money on entertainment, Catie and Joey discuss their favorite money tips from the past year.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <category>finance, family</category>
            
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            <pubDate>Tue, 02 Dec 2008 11:39:16 -0800</pubDate>
            <itunes:subtitle>Top Ten Money Tips from 2008</itunes:subtitle>
            <itunes:summary>From lowering your cell phone bill to spending less money on entertainment, Catie and Joey discuss their favorite money tips from the past year. </itunes:summary>
            <itunes:duration>6:02</itunes:duration>
            <itunes:keywords>money, finance, cell phone, college, credit cards, loans</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        <media:content url="http://feedproxy.google.com/~r/elementsPodcast/~5/pB9RgpSYOek/2008_12_01_elements.mp3" fileSize="5500000" type="audio/mpeg" /><feedburner:origLink>http://www.elementspodcast.com</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/elementsPodcast/~5/pB9RgpSYOek/2008_12_01_elements.mp3" length="5500000" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.elementspodcast.com/vault/2008/2008_12_01_elements.mp3</feedburner:origEnclosureLink></item>

        <item>
            <title>The Pros and Cons of Buying a Used Car</title>
            <description>Buying a car is a big purchase. One way to make it more affordable is to drive a previously owned car. In this episode, Catie and Joey discuss the pros and cons of buying a used car. Also in this episode: putting together a college expense checklist.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <category>business, money, family</category>
            
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            <pubDate>Tue, 02 Dec 2008 11:32:22 -0800</pubDate>
            <itunes:subtitle>The Pros and Cons of Buying a Used Car</itunes:subtitle>
            <itunes:summary>Buying a car is a big purchase. One way to make it more affordable is to drive a previously owned car. In this episode, Catie and Joey discuss the pros and cons of buying a used car. Also in this episode: putting together a college expense checklist.</itunes:summary>
            <itunes:duration>6:56</itunes:duration>
            <itunes:keywords>car, loan, money, youth, teen</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
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        <item>
            <title>The 411 on College Applications</title>
            <description>The deadline to submit college applications is right around the corner.  But don't worry - help is on the way. In this episode, Catie and Joey help make sense of the entire college application process. Tune in and take the stress out of applying for college.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <category>family, education, money</category>
            
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            <pubDate>Tue, 11 Nov 2008 10:58:39 -0800</pubDate>
            <itunes:subtitle>The 411 on College Applications</itunes:subtitle>
            <itunes:summary>The deadline to submit college applications is right around the corner.  But don't worry - help is on the way. In this episode, Catie and Joey help make sense of the entire college application process. Tune in and take the stress out of applying for college. </itunes:summary>
            <itunes:duration>5:50</itunes:duration>
            <itunes:keywords>college, credit union, student, money, financial aid, application</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
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        <item>
            <title>Credit Prep 101</title>
            <description>How do you build a credit history from scratch? Catie and Joey talk about simple things young people can do today to get approved for a loan in the future. Also in this episode: College loans.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <category>business, family, money</category>
            
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            <pubDate>Fri, 05 Sep 2008 09:34:07 -0700</pubDate>
            <itunes:subtitle>Credit Prep 101</itunes:subtitle>
            <itunes:summary>How do you build a credit history from scratch? Catie and Joey talk about simple things young people can do today to get approved for a loan in the future. Also in this episode: College loans.</itunes:summary>
            <itunes:duration>5:40</itunes:duration>
            <itunes:keywords>credit, loan, money, credit union, teen, finance</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        <media:content url="http://feedproxy.google.com/~r/elementsPodcast/~5/y9kQ_hgsUTs/2008_09_01_elements.mp3" fileSize="5400000" type="audio/mpeg" /><feedburner:origLink>http://www.elementspodcast.com</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/elementsPodcast/~5/y9kQ_hgsUTs/2008_09_01_elements.mp3" length="5400000" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.elementspodcast.com/vault/2008/2008_09_01_elements.mp3</feedburner:origEnclosureLink></item>

        <item>
            <title>Will Work for Money: Job-Hunting Tips</title>
            <description>From resume and interview tips, to fashion hints and Facebook "no-nos", Catie and Joey show you how to crack into today's tough job market.  Don't miss this podcast filled with tips, hints and recommendations to help you land that dream job.  Also in this episode: Applying for financial aid.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <category>family, business, finance</category>
            
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            <pubDate>Fri, 05 Sep 2008 09:15:33 -0700</pubDate>
            <itunes:subtitle>Will Work for Money: Job-Hunting Tips</itunes:subtitle>
            <itunes:summary>From resume and interview tips, to fashion hints and Facebook "no-nos", Catie and Joey show you how to crack into today's tough job market. Don't miss this podcast filled with tips, tricks and recommendations to help you land that dream job.  Also in this episode: Applying for financial aid.</itunes:summary>
            <itunes:duration>6:40</itunes:duration>
            <itunes:keywords>money, jobs, employment, part-time, credit union</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        <media:content url="http://feedproxy.google.com/~r/elementsPodcast/~5/X54wlMT_ayU/2008_08_01_elements.mp3" fileSize="6100000" type="audio/mpeg" /><feedburner:origLink>http://www.elementspodcast.com</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/elementsPodcast/~5/X54wlMT_ayU/2008_08_01_elements.mp3" length="6100000" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.elementspodcast.com/vault/2008/2008_08_01_elements.mp3</feedburner:origEnclosureLink></item>

        <item>
            <title>Avoiding the Dark Side of Credit Card</title>
            <description>Is a free tote bag really worth applying for a 19.8% APR credit  card? No way! In this episode, Catie and Joey talk about the pros and cons of applying for and carrying a credit card. Don't get stuck owing a big credit card company thousands of dollars. Listen to this podcast and learn the truth about those slick giveaways. Also in this episode: Paying for last-minute college expense.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <category>business, family, money</category>
            
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            <pubDate>Mon, 07 Jul 2008 11:46:25 -0700</pubDate>
            <itunes:subtitle>Avoiding the Dark Side of Credit Card</itunes:subtitle>
            <itunes:summary>Is a free tote bag really worth applying for a 19.8% APR credit  card? No way! In this episode, Catie and Joey talk about the pros and cons of applying for and carrying a credit card. Don't get stuck owing a big credit card company thousands of dollars. Listen to this podcast and learn the truth about those slick giveaways. Also in this episode: Paying for last-minute college expense.</itunes:summary>
            <itunes:duration>6:02</itunes:duration>
            <itunes:keywords>money, credit union, credit card, finance</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        <media:content url="http://feedproxy.google.com/~r/elementsPodcast/~5/zdk16okPDjo/2008_07_01_elements.mp3" fileSize="5600000" type="audio/mpeg" /><feedburner:origLink>http://www.elementspodcast.com</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/elementsPodcast/~5/zdk16okPDjo/2008_07_01_elements.mp3" length="5600000" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.elementspodcast.com/vault/2008/2008_07_01_elements.mp3</feedburner:origEnclosureLink></item>

        <item>
            <title>Cheap Summer Entertainment</title>
            <description>Four dollars for a gallon of gas? Ten dollars for a movie ticket? If summer expenses have you counting your pennies, look no further.  In this podcast, Catie and Joey feel your financial pain and offer their suggestions for things to do during the summer months that won't leave you broke.  Also in this episode: Getting the most out of extracurricular activities.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <category>business, family, money</category>
            
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            <pubDate>Sun, 08 Jun 2008 12:26:39 -0700</pubDate>
            <itunes:subtitle>Cheap Summer Entertainment</itunes:subtitle>
            <itunes:summary>Four dollars for a gallon of gas? Ten dollars for a movie ticket? If summer expenses have you counting your pennies, look no further.  In this podcast, Catie and Joey feel your financial pain and offer their suggestions for things to do during the summer months that won't leave you broke.  Also in this episode: Getting the most out of extracurricular activities.  </itunes:summary>
            <itunes:duration>5:50</itunes:duration>
            <itunes:keywords>money, summer, discounts, teen, finance, economy, savings, credit union, bank</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        <media:content url="http://feedproxy.google.com/~r/elementsPodcast/~5/FjlS1dLZUcs/2008_06_01_elements.mp3" fileSize="5400000" type="audio/mpeg" /><feedburner:origLink>http://www.elementspodcast.com</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/elementsPodcast/~5/FjlS1dLZUcs/2008_06_01_elements.mp3" length="5400000" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.elementspodcast.com/vault/2008/2008_06_01_elements.mp3</feedburner:origEnclosureLink></item>

        <item>
            <title>Paying for Fido: Reducing Pet Expenses</title>
            <description>$90 Juicy Couture Doggy Bag? Not here! Catie and Joey talk about the many different ways to take care of your pet without going broke. Also in this episode: unique college scholarships. We cover everything from free money for duct tape prom dresses to vegetarian scholarships.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <category>family, money, business</category>
            
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            <pubDate>Sun, 08 Jun 2008 12:24:46 -0700</pubDate>
            <itunes:subtitle>Paying for Fido: Reducing Pet Expenses</itunes:subtitle>
            <itunes:summary>$90 Juicy Couture Doggy Bag? Not here! Catie and Joey talk about the many different ways to take care of your pet without going broke. Also in this episode: unique college scholarships. We cover everything from free money for duct tape prom dresses to vegetarian scholarships. </itunes:summary>
            <itunes:duration>8:10</itunes:duration>
            <itunes:keywords>money, pets, saving credit union, teen</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        <media:content url="http://feedproxy.google.com/~r/elementsPodcast/~5/00Dje44Iap8/2008_05_01_elements.mp3" fileSize="7480000" type="audio/mpeg" /><feedburner:origLink>http://www.elementspodcast.com</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/elementsPodcast/~5/00Dje44Iap8/2008_05_01_elements.mp3" length="7480000" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.elementspodcast.com/vault/2008/2008_05_01_elements.mp3</feedburner:origEnclosureLink></item>

        <item>
            <title>Foolish Money Mistakes</title>
            <description>It's April Fool's, so Catie and Joey are talking about foolish things people do with their money. From throwing money away on video late fees, to literally having rats eat your money, this episode is a funny and entertaining look at financial foolishness. Also in this episode: getting ready for college.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <author>feedback@elementspodcast.com</author>
            <category>family, business</category>
            
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            <pubDate>Mon, 05 May 2008 22:25:01 -0700</pubDate>
            <itunes:subtitle>Foolish Money Mistakes</itunes:subtitle>
            <itunes:summary>It's April Fool's, so Catie and Joey are talking about foolish things people do with their money. From throwing money away on video late fees, to literally having rats eat your money, this episode is a funny and entertaining look at financial foolishness. Also in this episode: getting ready for college.</itunes:summary>
            <itunes:duration>7:58</itunes:duration>
            <itunes:keywords>money, mistakes, college, credit union, finance, teen</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        <media:content url="http://feedproxy.google.com/~r/elementsPodcast/~5/1jojSyWpTTg/2008_04_01_elements.mp3" fileSize="7300000" type="audio/mpeg" /><feedburner:origLink>http://www.elementspodcast.com</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/elementsPodcast/~5/1jojSyWpTTg/2008_04_01_elements.mp3" length="7300000" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.elementspodcast.com/vault/2008/2008_04_01_elements.mp3</feedburner:origEnclosureLink></item>

        <item>
            <title>Filing Taxes: It’s Not Just for Adults</title>
            <description>Do you have a part-time job and aren't sure if you have to file a tax return? Paying taxes isn't just for adults. Listen to this podcast for information important for workers under 18 years old (or any age for that matter). It doesn't matter if you have a part-time job at the mall, mow lawns or babysit, if you worked in 2007, this episode is for you ... so listen up! Also in this episode: ways to avoid scholarship scams.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <author>feedback@elementspodcast.com</author>
            <category>busines, family</category>
            
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            <pubDate>Tue, 04 Mar 2008 10:22:39 -0800</pubDate>
            <itunes:subtitle>Filing Taxes: It’s Not Just for Adults</itunes:subtitle>
            <itunes:summary>Do you have a part-time job and aren't sure if you have to file a tax return? Paying taxes isn't just for adults. Listen to this podcast for information important for workers under 18 years old (or any age for that matter). It doesn't matter if you have a part-time job at the mall, mow lawns or babysit, if you worked in 2007, this episode is for you ... so listen up! Also in this episode: ways to avoid scholarship scams.</itunes:summary>
            <itunes:duration>8:36</itunes:duration>
            <itunes:keywords>taxes, money, teen, youth, family, credit union, job</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        <media:content url="http://feedproxy.google.com/~r/elementsPodcast/~5/NuqVQX4-0Hc/2008_03_01_elements.mp3" fileSize="8300000" type="audio/mpeg" /><feedburner:origLink>http://www.elementspodcast.com</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/elementsPodcast/~5/NuqVQX4-0Hc/2008_03_01_elements.mp3" length="8300000" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.elementspodcast.com/vault/2008/2008_03_01_elements.mp3</feedburner:origEnclosureLink></item>

        <item>
            <title>From Lattes to Credit Cards: Start Saving Money Today</title>
            <description>Worried about all this talk about a recession? It's never too late to start saving money. Catie and Joey talk about different ways you can trim your expenses and be prepared for anything. Also in this episode: Places to look for  scholarships.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <author>feedback@elementspodcast.com</author>
            <category>business, family</category>
            
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            <pubDate>Tue, 04 Mar 2008 10:04:58 -0800</pubDate>
            <itunes:subtitle>From Lattes to Credit Cards: Start Saving Money Today</itunes:subtitle>
            <itunes:summary>Worried about all this talk about a recession? It's never too late to start saving money. Catie and Joey talk about different ways you can trim your expenses and be prepared for anything. Also in this episode: Places to look for  scholarships.</itunes:summary>
            <itunes:duration>7:02</itunes:duration>
            <itunes:keywords>money, recession, saving, credit union, teen, finances, budget</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        <media:content url="http://feedproxy.google.com/~r/elementsPodcast/~5/UXd_FpjnCOA/2008_02_01_elements.mp3" fileSize="6500000" type="audio/mpeg" /><feedburner:origLink>http://www.elementspodcast.com</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/elementsPodcast/~5/UXd_FpjnCOA/2008_02_01_elements.mp3" length="6500000" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.elementspodcast.com/vault/2008/2008_02_01_elements.mp3</feedburner:origEnclosureLink></item>

        <item>
            <title>How to Lower Your Cell Phone Bill</title>
            <description>Is your cell phone bill getting out of control? We have a few tips to help you save some money.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <author>feedback@elementspodcast.com</author>
            <category>business, family</category>
            
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            <pubDate>Wed, 09 Jan 2008 22:04:39 -0800</pubDate>
            <itunes:subtitle>How to Lower Your Cell Phone Bill</itunes:subtitle>
            <itunes:summary>Is your cell phone bill getting out of control? We have a few tips to help you save some money.</itunes:summary>
            <itunes:duration>7:24</itunes:duration>
            <itunes:keywords>money, cell phone, credit union, teen</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        <media:content url="http://feedproxy.google.com/~r/elementsPodcast/~5/uMkAooUCf_A/2008_01_01_elements.mp3" fileSize="6800000" type="audio/mpeg" /><feedburner:origLink>http://www.elementspodcast.com</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/elementsPodcast/~5/uMkAooUCf_A/2008_01_01_elements.mp3" length="6800000" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.elementspodcast.com/vault/2008/2008_01_01_elements.mp3</feedburner:origEnclosureLink></item>

        <item>
            <title>The Top Ten Money Tips of 2007</title>
            <description>Catie and Joey list off their top ten money tips of 2007.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <author>feedback@elementspodcast.com</author>
            <category>business, family</category>
            
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            <pubDate>Thu, 03 Jan 2008 16:53:23 -0800</pubDate>
            <itunes:subtitle>The Top Ten Money Tips of 2007</itunes:subtitle>
            <itunes:summary>Catie and Joey list off their top ten money tips of 2007.</itunes:summary>
            <itunes:duration>8:30</itunes:duration>
            <itunes:keywords>money, credit union, young adult, teen, finance, identity theft</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        <media:content url="http://feedproxy.google.com/~r/elementsPodcast/~5/6xmyLb1OAEk/2007_12_01_elements.mp3" fileSize="8300000" type="audio/mpeg" /><feedburner:origLink>http://www.elementspodcast.com</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/elementsPodcast/~5/6xmyLb1OAEk/2007_12_01_elements.mp3" length="8300000" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.elementspodcast.com/vault/2007/2007_12_01_elements.mp3</feedburner:origEnclosureLink></item>

        <item>
            <title>Holiday Shopping on a Budget</title>
            <description>Want to learn how to get your holiday shopping done without spending a fortune? Joey and Catie talk about different ways to show you care and still have money left over. Also in this episode: outsmarting identity thieves during the holidays.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <author>feedback@elementspodcast.com</author>
            <category>Business, Family</category>
            
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            <pubDate>Thu, 01 Nov 2007 23:16:44 -0700</pubDate>
            <itunes:subtitle>Holiday Shopping on a Budget</itunes:subtitle>
            <itunes:summary>Want to learn how to get your holiday shopping done without spending a fortune? Joey and Catie talk about different ways to show you care and still have money left over. Also in this episode: outsmarting identity thieves during the holidays.</itunes:summary>
            <itunes:duration>8:18</itunes:duration>
            <itunes:keywords>credit union, holidays, shopping, money, teen, credit, bank</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        <media:content url="http://feedproxy.google.com/~r/elementsPodcast/~5/IHnnidhm2eg/2007_11_01_elements.mp3" fileSize="7600000" type="audio/mpeg" /><feedburner:origLink>http://www.elementspodcast.com</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/elementsPodcast/~5/IHnnidhm2eg/2007_11_01_elements.mp3" length="7600000" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.elementspodcast.com/vault/2007/2007_11_01_elements.mp3</feedburner:origEnclosureLink></item>

        <item>
            <title>The Cost of Driving</title>
            <description>Do you know how much money it REALLY cost to drive a car? From car insurance to oil changes, we'll talk about all the different cost associated with owning a car. Joey and Catie will also share their tips for staying safe while sharing files via P2P.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <author>feedback@elementspodcast.com</author>
            <category>business, family</category>
            
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            <pubDate>Sat, 06 Oct 2007 18:18:03 -0700</pubDate>
            <itunes:subtitle>The Cost of Driving</itunes:subtitle>
            <itunes:summary>Do you know how much money it REALLY cost to drive a car? From car insurance to oil changes, we'll talk about all the different cost associated with owning a car. Joey and Catie will also share their tips for staying safe while sharing files via P2P.</itunes:summary>
            <itunes:duration>7:22</itunes:duration>
            <itunes:keywords>cars, credit union, money, insurance, p2p, bit torrent,</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        <media:content url="http://feedproxy.google.com/~r/elementsPodcast/~5/m6BmQkUqrVY/2007_10_01_elements.mp3" fileSize="6750000" type="audio/mpeg" /><feedburner:origLink>http://www.elementspodcast.com</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/elementsPodcast/~5/m6BmQkUqrVY/2007_10_01_elements.mp3" length="6750000" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.elementspodcast.com/vault/2007/2007_10_01_elements.mp3</feedburner:origEnclosureLink></item>

        <item>
            <title>Financial Urban Legends</title>
            <description>Bigfoot, the Loch Ness Monster and ... money? In this podcast we'll separate fact from fiction when it comes to urban legends about money. Joey and Catie also talk about ways to avoid getting ripped off in Second Life.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <author>feedback@elementspodcast.com</author>
            <category>business, family</category>
            
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            <pubDate>Sat, 08 Sep 2007 08:39:47 -0700</pubDate>
            <itunes:subtitle>Financial Urban Legends</itunes:subtitle>
            <itunes:summary>Bigfoot, the Loch Ness Monster and ... money? In this podcast we'll separate fact from fiction when it comes to urban legends about money. Joey and Catie also talk about ways to avoid getting ripped off in Second Life. </itunes:summary>
            <itunes:duration>7:42</itunes:duration>
            <itunes:keywords>money, urban legend, credit union</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        <media:content url="http://feedproxy.google.com/~r/elementsPodcast/~5/o57c3gTgV5Q/2007_09_01_elements.mp3" fileSize="7100000" type="audio/mpeg" /><feedburner:origLink>http://www.elementspodcast.com</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/elementsPodcast/~5/o57c3gTgV5Q/2007_09_01_elements.mp3" length="7100000" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.elementspodcast.com/vault/2007/2007_09_01_elements.mp3</feedburner:origEnclosureLink></item>

        <item>
            <title>Getting Ready for Back to School</title>
            <description>Summer is just about over and it's time to start thinking about back-to-school expenses like books and clothes. Learn how to make the most of your money before school starts. Joey and Catie also talk about ways to protect your identity.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <author>feedback@elementspodcast.com</author>
            <category>business, family</category>
            
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            <pubDate>Tue, 07 Aug 2007 21:59:41 -0700</pubDate>
            <itunes:subtitle>Getting Ready for Back to School</itunes:subtitle>
            <itunes:summary>Summer is just about over and it's time to start thinking about back-to-school expenses like books and clothes. Learn how to make the most of your money before school starts. Joey and Catie also talk about ways to protect your identity.</itunes:summary>
            <itunes:duration>8:47</itunes:duration>
            <itunes:keywords>money, school, college, student, credit union, budgeting</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        <media:content url="http://feedproxy.google.com/~r/elementsPodcast/~5/M1E8pP1O9_E/2007_08_01_elements.mp3" fileSize="8100000" type="audio/mpeg" /><feedburner:origLink>http://www.elementspodcast.com</feedburner:origLink><enclosure url="http://feedproxy.google.com/~r/elementsPodcast/~5/M1E8pP1O9_E/2007_08_01_elements.mp3" length="8100000" type="audio/mpeg" /><feedburner:origEnclosureLink>http://www.elementspodcast.com/vault/2007/2007_08_01_elements.mp3</feedburner:origEnclosureLink></item>

        <item>
            <title>Travel Money Tips</title>
            <description>If you're planning a trip this summer, there are steps you can take to make sure you don’t get ripped off while you're away from home. Joey and Catie  also talk about ways to avoid email scams.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <author>feedback@elementspodcast.com</author>
            <category>business, family, teen, travel</category>
            
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            <pubDate>Fri, 06 Jul 2007 10:14:57 -0700</pubDate>
            <itunes:subtitle>Travel Money Tips</itunes:subtitle>
            <itunes:summary>If you're planning a trip this summer, there are steps you can take to make sure you don’t get ripped off while you're away from home. Joey and Catie  also talk about ways to avoid email scams. </itunes:summary>
            <itunes:duration>8:00</itunes:duration>
            <itunes:keywords>Travel, money, teen, credit union, finance, atm card, credit card, debit card, travelers checks, elements, podcast</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
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        <item>
            <title>Things You Can Do for Under $20</title>
            <description>Looking for things to do this Summer but don't want to spend too much money? Yes, it's possible to have a good time on a limited budget. From movies to baseball games, Catie and Joey share some of their favorite ideas.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <author>feedback@elementspodcast.com</author>
            <category>business, family</category>
            
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            <pubDate>Tue, 12 Jun 2007 23:36:42 -0700</pubDate>
            <itunes:subtitle>Things You Can Do for Under $20</itunes:subtitle>
            <itunes:summary>Looking for things to do this Summer but don't want to spend too much money? Yes, it's possible to have a good time on a limited budget. From movies to baseball games, Catie and Joey share some of their favorite ideas.</itunes:summary>
            <itunes:duration>6:44</itunes:duration>
            <itunes:keywords>summer, budgeting, expenses, credit union, money, teen</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
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        <item>
            <title>The Perfect Job Interview</title>
            <description>Summer is almost here, and so are summer job opportunities. In this episode, Joey and Catie talk about job interview tips — and funny interview bloopers. Learn how to put your best foot forward to get the perfect job.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <author>feedback@elementspodcast.com</author>
            <category>Business, Family</category>
            
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            <pubDate>Thu, 03 May 2007 14:54:55 -0700</pubDate>
            <itunes:subtitle>The Perfect Job Interview</itunes:subtitle>
            <itunes:summary>Summer is almost here, and so are summer job opportunities. In this episode, Joey and Catie talk about job interview tips — and funny interview bloopers. Learn how to put your best foot forward to get the perfect job.</itunes:summary>
            <itunes:duration>6:04</itunes:duration>
            <itunes:keywords>job interview, credit union, money, teen, career, finance</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
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        <item>
            <title>Saving Money Everyday</title>
            <description>Think you spend too much money? Do you find that you're paycheck (or allowance) seems to disappear the moment you get it? Listen as Joey and Catie talk about easy things you can do everyday to save money. They'll also talk about ways to keep your identity safe when using a wireless connection at public hot spots.&lt;img src="http://feeds.feedburner.com/~r/elementsPodcast/~4/RF5AhJzJXI4" height="1" width="1"/&gt;</description>
            <link>http://feedproxy.google.com/~r/elementsPodcast/~3/RF5AhJzJXI4/</link>
            <author>feedback@elementspodcast.com</author>
            <category>Business, Family</category>
            
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            <pubDate>Sun, 01 Apr 2007 21:49:52 -0700</pubDate>
            <itunes:subtitle>Saving Money Everyday</itunes:subtitle>
            <itunes:summary>Think you spend too much money? Do you find that you're paycheck (or allowance) seems to disappear the moment you get it? Listen as Joey and Catie talk about easy things you can do everyday to save money.</itunes:summary>
            <itunes:duration>6:37</itunes:duration>
            <itunes:keywords>Money, credit union, personal finance, saving, credit, loans</itunes:keywords>
            <itunes:author>Elements</itunes:author>
            <itunes:explicit>no</itunes:explicit>
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    <media:credit role="author">Elements</media:credit><media:rating>nonadult</media:rating><media:description type="plain">The elements podcast is about money. How to make it, spend it, borrow it, save it, and keep it safe.</media:description></channel>
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