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		<title>Business Money IQ by Hilltop Bank</title>
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		<copyright><![CDATA[Copyright &copy;2026 Beavercreek Marketing. All Rights Reserved.]]></copyright>
		<pubDate>Sun, 15 Mar 2026 00:00:00 -0400</pubDate>
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			<title><![CDATA[Starting A Business? Take The Time To Prepare A Financial Plan]]></title>
			<description><![CDATA[A financial plan is a great way to lay the groundwork for success for your small business. Have you prepared yours? ]]></description>
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			<pubDate>Sun, 15 Mar 2026 00:00:00 -0400</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[Building a Culture of Security Awareness in the Workplace]]></title>
			<description><![CDATA[Cybersecurity is a growing concern for small businesses, but with the right mindset, your business can build a culture of security in the workplace. ]]></description>
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			<pubDate>Tue, 15 Apr 2025 00:00:00 -0400</pubDate>
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			<title><![CDATA[You Accidentally Clicked on a Phishing Email. Now What?]]></title>
			<description><![CDATA[You check your email, click a link, then freeze--did you just get phished? Don't panic! Learn the steps you can take to minimize the damage.]]></description>
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			<pubDate>Sat, 15 Mar 2025 00:00:00 -0400</pubDate>
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			<title><![CDATA[Positive Pay: Stop Check Fraud in its Tracks]]></title>
			<description><![CDATA[If your business writes a lot of checks, you might want to consider positive pay.]]></description>
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			<pubDate>Fri, 15 Nov 2024 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[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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			<pubDate>Thu, 15 Aug 2024 00:00:00 -0400</pubDate>
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			<title><![CDATA[The Five C's of Credit]]></title>
			<description><![CDATA[When deciding whether or not to offer you a small business loan, lenders usually look at the five C&rsquo;s of Credit.]]></description>
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			<pubDate>Mon, 15 Jul 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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			<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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			<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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			<pubDate>Mon, 15 Jan 2024 00:00:00 -0500</pubDate>
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			<title><![CDATA[What is a Tax Write-Off?]]></title>
			<description><![CDATA[Have you ever heard someone say, &ldquo;We can write that off at the end of the year&rdquo;? A write-off can lower your business' taxable income, saving you money. ]]></description>
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			<pubDate>Tue, 15 Aug 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[How to Build your Brand on Social Media]]></title>
			<description><![CDATA[Have you been using social media to build your brand? If you&rsquo;re just getting started or looking to up your social media game, there a few things to remember.]]></description>
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			<pubDate>Thu, 15 Jun 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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			<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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			<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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			<pubDate>Wed, 15 Feb 2023 00:00:00 -0500</pubDate>
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			<title><![CDATA[Business Reputation on Social Media]]></title>
			<description><![CDATA[As a business owner on social media, you should be taking steps to guard your reputation. ]]></description>
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			<pubDate>Fri, 15 Jul 2022 00:00:00 -0400</pubDate>
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			<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>
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			<pubDate>Wed, 15 Jun 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[Business Social Media Policy]]></title>
			<description><![CDATA[Social Media is a great place to reach customers, make connections, and develop a voice for your business, but having guidelines for how it's used is important.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=4011&id=12617]]>
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			<pubDate>Sun, 15 May 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[Business Property Tax Increase]]></title>
			<description><![CDATA[Annual property taxes are an expense many business owners will need to plan for, and if yours have increased, you may have options, like an appeal.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=4011&id=11825]]>
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			<pubDate>Fri, 15 Apr 2022 00:00:00 -0400</pubDate>
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			<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=4011&id=11420]]>
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			<pubDate>Tue, 15 Mar 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[Choosing the right type of Social Media post.]]></title>
			<description><![CDATA[As a business, social media engagement should be an important part of any marketing plan. Deciding what to post is where it gets complicated.]]></description>
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			<pubDate>Tue, 15 Feb 2022 00:00:00 -0500</pubDate>
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			<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>
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			<pubDate>Sat, 15 Jan 2022 00:00:00 -0500</pubDate>
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			<title><![CDATA[Helping Your Business Recover From Ransomware]]></title>
			<description><![CDATA[If your business becomes a victim of ransomware, experts recommend a variety of steps to take toward recovery.]]></description>
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			<pubDate>Wed, 15 Dec 2021 00:00:00 -0500</pubDate>
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			<title><![CDATA[Making The Most of Business Credit Card Rewards ]]></title>
			<description><![CDATA[Using a credit card for your business can make a lot of sense - and dollars. Find out why.]]></description>
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			<pubDate>Mon, 15 Nov 2021 00:00:00 -0500</pubDate>
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			<title><![CDATA[Advantages Of Using Social Media Calendars]]></title>
			<description><![CDATA[Using a content calendar for your business's social media needs can be a huge help. Find out why.]]></description>
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			<pubDate>Fri, 15 Oct 2021 00:00:00 -0400</pubDate>
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			<title><![CDATA[Hiring An Accountant]]></title>
			<description><![CDATA[No matter what stage your small business is in, hiring an accountant can be a big help! Find out why.]]></description>
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			<pubDate>Wed, 15 Sep 2021 00:00:00 -0400</pubDate>
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			<title><![CDATA[Risk Management And Your Business]]></title>
			<description><![CDATA[Identifying risks your business could face and planning how to address them is an essential process called risk management. Learn more.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=4011&id=9091]]>
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			<pubDate>Sun, 15 Aug 2021 00:00:00 -0400</pubDate>
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			<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=4011&id=8702]]>
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			<pubDate>Thu, 15 Jul 2021 00:00:00 -0400</pubDate>
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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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			<pubDate>Wed, 15 Aug 2018 00:00:00 -0400</pubDate>
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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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			<pubDate>Fri, 13 Apr 2018 00:00:00 -0400</pubDate>
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			<title><![CDATA[Things To Think About When Accepting Card Payments For Your Products Or Services]]></title>
			<description><![CDATA[Does your business accept card payments? Learn more about your options and how to protect your customers and your company.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=4011&id=8997]]>
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			<pubDate>Thu, 15 Mar 2018 00:00:00 -0400</pubDate>
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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>
			<link>
				<![CDATA[https://www.onlinebanktours.com/b/article.php?b=4011&id=8992]]>
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			<pubDate>Thu, 15 Feb 2018 00:00:00 -0500</pubDate>
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			<title><![CDATA[It's Important To Back Up Your Business Data]]></title>
			<description><![CDATA[Are you backing up your business data? Learn what you can do and why it's so important.]]></description>
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			<pubDate>Sun, 15 Oct 2017 00:00:00 -0400</pubDate>
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			<title><![CDATA[Tips To Protect Your Business From Wire Fraud]]></title>
			<description><![CDATA[Learn things you can do to help protect your business from wire fraud.]]></description>
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			<pubDate>Wed, 15 Feb 2017 00:00:00 -0500</pubDate>
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