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		<title>Business Money IQ by Northwestern Bank</title>
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		<copyright><![CDATA[Copyright &copy;2026 Beavercreek Marketing. All Rights Reserved.]]></copyright>
		<pubDate>Sun, 15 Feb 2026 00:00:00 -0500</pubDate>
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			<title><![CDATA[Business Loan vs. Line of Credit: Which is Right for You?]]></title>
			<description><![CDATA[One of the financing options that might be available for your business is debt funding. Learn more about options like loans and lines of credit today!]]></description>
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			<pubDate>Sun, 15 Feb 2026 00:00:00 -0500</pubDate>
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			<title><![CDATA[Phishing Prevention Strategies: Best Practices for Employees]]></title>
			<description><![CDATA[Phishing attacks are a constant&mdash;and constantly evolving&mdash;threat to small businesses. Are your employees trained on how to respond?]]></description>
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			<pubDate>Tue, 15 Oct 2024 00:00:00 -0400</pubDate>
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			<title><![CDATA[Work From Home Considerations]]></title>
			<description><![CDATA[Working from home can offer great benefits to employers and employees alike. But there are some important considerations to take into account.]]></description>
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			<pubDate>Sun, 15 Sep 2024 00:00:00 -0400</pubDate>
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			<title><![CDATA[Building your Team of Experts]]></title>
			<description><![CDATA[When building your business, you'll probably find yourself with questions you can't answer. Having a team of experts close at hand can be a great help.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=20929]]>
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			<pubDate>Thu, 15 Aug 2024 00:00:00 -0400</pubDate>
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			<title><![CDATA[How to Sustain Your Business Over Time]]></title>
			<description><![CDATA[You've started your business, so it's time to relax, right? Think again! Sustaining a business over time will take hard work. ]]></description>
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			<pubDate>Sat, 15 Jun 2024 00:00:00 -0400</pubDate>
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			<title><![CDATA[Business Startup Costs]]></title>
			<description><![CDATA[Before you ever make your first sale, you&rsquo;ll have bills to pay. Knowing how much those bills will be can help you determine how much funding you'll need. ]]></description>
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			<pubDate>Wed, 15 May 2024 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[How to Manage Your Cash Flow]]></title>
			<description><![CDATA[Cash flow is the money coming in and going out of your business. If you don&rsquo;t keep track of it, you could find yourself short of cash to pay expenses.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=19274]]>
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			<pubDate>Thu, 15 Feb 2024 00:00:00 -0500</pubDate>
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			<title><![CDATA[Should my Business have a Google My Business Listing?]]></title>
			<description><![CDATA[Business owners know how expensive it can be to attract new customers - but it doesn&rsquo;t have to be costly to make a potentially big impact.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=19278]]>
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			<pubDate>Mon, 15 Jan 2024 00:00:00 -0500</pubDate>
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			<title><![CDATA[What is a Healthy Amount of Business Debt?]]></title>
			<description><![CDATA[When you hear the word &ldquo;debt,&rdquo; you don&rsquo;t usually think of it as a good thing. But as a small business owner, debt can actually be a useful tool!]]></description>
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			<pubDate>Fri, 15 Dec 2023 00:00:00 -0500</pubDate>
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			<title><![CDATA[What Lenders are Looking for]]></title>
			<description><![CDATA[Whether you&rsquo;ve been in business a long time, or are just getting started, you might find yourself in need of a business loan. Do you have what it takes to qualify?]]></description>
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				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=19284]]>
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			<pubDate>Wed, 15 Nov 2023 00:00:00 -0500</pubDate>
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			<title><![CDATA[What is Succession Planning?]]></title>
			<description><![CDATA[What is succession planning? It's a way to make sure your business is prepared for the future by having a plan in place for how you'll exit your business.]]></description>
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			<pubDate>Sun, 15 Oct 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[Tax Time Considerations]]></title>
			<description><![CDATA[It&rsquo;s never too early to start planning for taxes, especially when you own your own business. Plan ahead to make tax time easier. ]]></description>
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				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=19294]]>
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			<pubDate>Fri, 15 Sep 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[How to Start an LLC]]></title>
			<description><![CDATA[Thinking about starting a business? Have you considered an LLC? ]]></description>
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			<pubDate>Sat, 15 Jul 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[Business Social Media Security]]></title>
			<description><![CDATA[As a business owner, social media likely plays a role in your marketing strategy. But are you staying safe online?]]></description>
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			<pubDate>Mon, 15 May 2023 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Working Capital Cycle]]></title>
			<description><![CDATA[It&rsquo;s said that cash flow is the lifeblood of a business. If that&rsquo;s true, the working capital cycle is the heartbeat. ]]></description>
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			<pubDate>Sat, 15 Apr 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[Keys to Small Business Success]]></title>
			<description><![CDATA[Owning a small business comes with few guarantees, but there are some steps you can take that will put your business on the path to success.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=21313]]>
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			<pubDate>Wed, 15 Mar 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[Beware of Fictitious Wire Instructions Sent Via Email]]></title>
			<description><![CDATA[If anyone ever sends you &quot;updated&quot; or &quot;corrected&quot; wire instructions for a transaction, be cautious--it might be a scam!]]></description>
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				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=21365]]>
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			<pubDate>Wed, 15 Feb 2023 00:00:00 -0500</pubDate>
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			<title><![CDATA[Self-Employment Taxes]]></title>
			<description><![CDATA[If you are a sole proprietor or partner in a business, an independent contractor, or just someone with a lucrative side hustle, you need to know about taxes. ]]></description>
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				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=20828]]>
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			<pubDate>Sun, 15 Jan 2023 00:00:00 -0500</pubDate>
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			<title><![CDATA[Funding Your Business]]></title>
			<description><![CDATA[There&rsquo;s one guarantee about starting a small business: It&rsquo;s going to take money. Learn about possible options for funding your new business today.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=21308]]>
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			<pubDate>Tue, 15 Nov 2022 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[How to Obtain a Tax Identification Number]]></title>
			<description><![CDATA[If you are planning to start a business, it&rsquo;s quite likely you are going to need to apply for a federal Tax Identification Number, called an Employer Identification Number, or an EIN.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=21415]]>
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			<pubDate>Sat, 15 Oct 2022 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Multifactor Authentication for Businesses]]></title>
			<description><![CDATA[Businesses have become increasingly vulnerable to hackers trying to gain access to their employee email accounts and other vital systems. Multifactor authentication can help protect your data.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=21340]]>
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			<pubDate>Mon, 29 Aug 2022 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Important Tips for Starting a Small Business]]></title>
			<description><![CDATA[Starting a small business is the beginning of a journey, with potentially high rewards for all your hard work. Like every journey, it requires planning.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=21398]]>
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			<pubDate>Mon, 15 Aug 2022 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Things to Consider for Multifactor Authentication Implementation]]></title>
			<description><![CDATA[Multifactor Authentication can help your business enhance online, VPN, or application security, but there are several things to keep in mind.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=21345]]>
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			<pubDate>Wed, 15 Jun 2022 00:00:00 -0400</pubDate>
		</item>
				<item>
			<title><![CDATA[What is a Business's Net Income?]]></title>
			<description><![CDATA[Getting to your business' bottom line--do you know how profitable your business is?]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=21315]]>
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			<pubDate>Tue, 15 Mar 2022 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Does Your Business Need A Website? The Answer Is Yes.]]></title>
			<description><![CDATA[In a 24/7 world where everything is just a search away, does your small business really need a website? The answer is 'Yes'.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=20824]]>
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			<pubDate>Sat, 15 Jan 2022 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Business Market Research Can Help You Get Started]]></title>
			<description><![CDATA[Have a great idea for a business? Market research helps you get a better idea of what to expect when it comes opening your doors.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=21400]]>
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			<pubDate>Thu, 15 Jul 2021 00:00:00 -0400</pubDate>
		</item>
				<item>
			<title><![CDATA[Do You Have an Emergency Fund for Your Business?]]></title>
			<description><![CDATA[An emergency fund for your business can be a lifeline to get through tough times. Do you have one yet?]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=21320]]>
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			<pubDate>Tue, 15 Jun 2021 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Hiring Your First Employee]]></title>
			<description><![CDATA[Is it time to hire the first employee for your business? Here are some things to consider.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=21403]]>
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			<pubDate>Thu, 15 Apr 2021 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[The Importance of Keeping Good Business Records for Taxes]]></title>
			<description><![CDATA[It's important for your small business to keep good tax records. Find out why.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=20819]]>
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			<pubDate>Mon, 15 Mar 2021 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[When Is The Right Time To Buy A Business Property?]]></title>
			<description><![CDATA[Thinking about buying a property for your business? Here are some important things to consider.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=21323]]>
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			<pubDate>Fri, 15 Jan 2021 00:00:00 -0500</pubDate>
		</item>
				<item>
			<title><![CDATA[Are You Tracking Your Business Inventory?]]></title>
			<description><![CDATA[Are you tracking your business inventory to know what is and isn't selling? What you don&rsquo;t know could be costly.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=21328]]>
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			<pubDate>Thu, 15 Oct 2020 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Protect Your Business From Costly Check Overpayment Scams]]></title>
			<description><![CDATA[Beware if someone overpays your business and then asks you to refund them the overpayment amount. It could be a costly scam.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=20299]]>
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			<pubDate>Tue, 15 Sep 2020 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Invoice Scams Can Be Costly. Take The Time To Verify Before You Pay.]]></title>
			<description><![CDATA[Does your business verify all invoices before paying them? It should. Here are some reasons and some advice.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=20284]]>
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			<pubDate>Sun, 15 Mar 2020 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Are You Ready To Turn Your Smartphone Into A Mobile Payment Terminal?]]></title>
			<description><![CDATA[Are you giving customers the right payment options? It might be time to put your smartphone to work.
]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=21280]]>
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			<pubDate>Wed, 15 Jan 2020 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Take Some Simple Steps To Protect Your Wireless Network]]></title>
			<description><![CDATA[There are a variety of things you can do to secure your Wi-Fi network. Here are some tips.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=21350]]>
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			<pubDate>Fri, 15 Nov 2019 00:00:00 -0500</pubDate>
		</item>
				<item>
			<title><![CDATA[Dual Controls Reduce Risk Of Corporate Fraud]]></title>
			<description><![CDATA[If your business wants to slam the door on payments fraud, it&rsquo;s time to introduce dual controls. Find out why.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=20294]]>
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			<pubDate>Sun, 15 Sep 2019 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Protect Your Business Against Identity Theft]]></title>
			<description><![CDATA[Businesses of need to be on alert and to take precautions against identity theft. Here are some things to consider.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=21370]]>
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			<pubDate>Thu, 15 Aug 2019 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Make Sure Your Business Gets The Right Licenses And Permits]]></title>
			<description><![CDATA[Do you have the necessary licenses and permits for your business? Find out why that's important.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=21405]]>
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			<pubDate>Mon, 15 Jul 2019 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Digital Deposits Give You More Banking Options]]></title>
			<description><![CDATA[Learn how you can make business check deposits from your phone, office or a smart ATM.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=21278]]>
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			<pubDate>Wed, 15 May 2019 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Have You Looked Into The Advantages of A Business Banking Account?]]></title>
			<description><![CDATA[If you run a business, you should be benefiting from the advantages of a business banking account. Find out why.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=112&id=21418]]>
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			<pubDate>Wed, 15 May 2019 00:00:00 -0400</pubDate>
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			<title><![CDATA[Advantages Of Business Credit Cards For You And Authorized Users]]></title>
			<description><![CDATA[Find out why business credit cards for you and your workers might be just the tracking tool you&rsquo;re looking for.]]></description>
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			<pubDate>Fri, 15 Mar 2019 00:00:00 -0400</pubDate>
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			<title><![CDATA[Make Sure Your Business Has The Right Insurance Coverage]]></title>
			<description><![CDATA[Have you found the right insurance coverage for your business? Don't wait until it's too late.]]></description>
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			<pubDate>Fri, 15 Mar 2019 00:00:00 -0400</pubDate>
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			<title><![CDATA[Thinking About Selling Your Business? Here Are Some Things To Consider.]]></title>
			<description><![CDATA[Here are some things to consider if you're thinking about selling your small business.]]></description>
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			<pubDate>Fri, 15 Feb 2019 00:00:00 -0500</pubDate>
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			<title><![CDATA[Is Data Security A Priority At Your Business? It Should Be.]]></title>
			<description><![CDATA[Are you doing all you can to protect your customers and business against identity theft?]]></description>
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			<description><![CDATA[Are you doing everything you can to keep your business, customer and employee data safe?]]></description>
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			<title><![CDATA[Advantages Of Opening A Business Checking Account]]></title>
			<description><![CDATA[Learn why having a business checking account can help you and your company.]]></description>
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			<title><![CDATA[Train Staff To Protect Mobile Devices Used For Work]]></title>
			<description><![CDATA[Are you training employees about the importance of protecting the security of their mobile devices?]]></description>
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			<title><![CDATA[Learn How Digital Deposits Can Help Your Business]]></title>
			<description><![CDATA[Are you using digital check deposits for your business? Learn how they can help you make the most of your money.]]></description>
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			<title><![CDATA[ACH Payments Save Your Business Time And Money]]></title>
			<description><![CDATA[Learn how Automated Clearing House (ACH) payments can help your business save time and money.]]></description>
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			<title><![CDATA[The Importance Of A Business Risk Assessment]]></title>
			<description><![CDATA[Learn how a business risk assessment can help you Identify hazards that can affect your profits, customers and processes.]]></description>
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			<description><![CDATA[Learn things you can do to help protect your business from wire fraud.]]></description>
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