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		<title>MoneyiQ by NESC FCU</title>
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		<copyright><![CDATA[Copyright &copy;2026 Beavercreek Marketing. All Rights Reserved.]]></copyright>
		<pubDate>Sat, 15 Feb 2025 00:00:00 -0500</pubDate>
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			<title><![CDATA[Online Account Takeovers and How to Prevent Them]]></title>
			<description><![CDATA[If you've got a lot of online accounts, this one's for you! Learn how to protect yourself from online account takeovers today!]]></description>
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			<pubDate>Sat, 15 Feb 2025 00:00:00 -0500</pubDate>
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			<title><![CDATA[Home Equity Loan or Line of Credit?]]></title>
			<description><![CDATA[Looking for a financing option for that home remodel? Have you looked at HELOCs and Home Equity loans? ]]></description>
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			<pubDate>Sun, 15 Dec 2024 00:00:00 -0500</pubDate>
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			<title><![CDATA[How to Start an Emergency Fund]]></title>
			<description><![CDATA[You&rsquo;ve probably heard about the importance of an emergency savings fund, but sometimes it can be difficult to know where to start.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=109417]]>
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			<pubDate>Thu, 15 Aug 2024 00:00:00 -0400</pubDate>
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			<title><![CDATA[Taking A Trip? You Might Want to Consider Travel Insurance]]></title>
			<description><![CDATA[Taking a trip can be expensive &ndash; and unpredictable. That&rsquo;s why you might want to consider travel insurance to protect you from loss, no matter where you plan to go.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=122381]]>
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			<pubDate>Sat, 15 Jun 2024 00:00:00 -0400</pubDate>
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			<title><![CDATA[Teaching Kids to Use Debit and Credit Cards]]></title>
			<description><![CDATA[As a parent, preparing your teen to make smart financial decisions can seem daunting, so it's best to start early.]]></description>
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			<pubDate>Mon, 15 Jan 2024 00:00:00 -0500</pubDate>
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			<title><![CDATA[HELOC Loans]]></title>
			<description><![CDATA[If you&rsquo;re considering a kitchen remodel or another big expense, you might want to look into a home equity line of credit, or HELOC.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=122321]]>
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			<pubDate>Mon, 15 Jan 2024 00:00:00 -0500</pubDate>
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			<title><![CDATA[How Your Credit Score Affects Your Ability to Purchase a Home]]></title>
			<description><![CDATA[When buying a home, one of the most important factors in whether or not you get a loan and what your interest rate will be is your credit score.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=122326]]>
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			<pubDate>Fri, 15 Dec 2023 00:00:00 -0500</pubDate>
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			<title><![CDATA[How Much Should I Save for Retirement?]]></title>
			<description><![CDATA[No matter where you are in your career, one important question to ask yourself is: &ldquo;Am I saving enough money for retirement?&rdquo;]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=105648]]>
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			<pubDate>Sun, 15 Oct 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[Estate Planning for All Ages]]></title>
			<description><![CDATA[Planning for your twilight years, including estate planning, is important for everyone. ]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=122311]]>
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			<pubDate>Fri, 15 Sep 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[Getting Pre-qualified or Pre-approved for a Mortgage Loan]]></title>
			<description><![CDATA[When you are looking to buy a home, getting prequalified or preapproved for a mortgage loan is strongly recommended.
]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=105636]]>
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			<pubDate>Fri, 15 Sep 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[Young Adults Should Start Saving for the Short and Long Term Now]]></title>
			<description><![CDATA[For young people, the path to your financial goals could be months or decades in the future, so it's important to start saving early.]]></description>
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			<pubDate>Tue, 15 Aug 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[What is Buy Now, Pay Later?]]></title>
			<description><![CDATA[When buying a product online or in a store, you might be offered the option to &lsquo;buy now, pay later.&rsquo; What is it, and how does it work?]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=109398]]>
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			<pubDate>Sat, 15 Jul 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[Loan Options for First-Time Home Buyers]]></title>
			<description><![CDATA[Do you know that as a first-time homebuyer you might qualify for a low- or no-down-payment home loan?]]></description>
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			<pubDate>Sat, 15 Jul 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[APR vs APY--What's the Difference?]]></title>
			<description><![CDATA[You've probably heard the terms APR and APY. Do you know what they mean for you?]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=95348]]>
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			<pubDate>Thu, 15 Jun 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[Early Retirement and How to Make it Happen]]></title>
			<description><![CDATA[Many people dream about retiring early, but if that&rsquo;s your goal, you&rsquo;ll need to save enough money to make it happen.]]></description>
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			<pubDate>Thu, 15 Jun 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[What is Multifactor Authentication?]]></title>
			<description><![CDATA[Hackers are always looking for ways to access your email and other important accounts, but multifactor authentication can make that far harder to do &ndash; so your information is safer.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=101960]]>
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			<pubDate>Sat, 15 Apr 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[You'll Save Money by Making More Than the Minimum Payment]]></title>
			<description><![CDATA[You&rsquo;ve heard a lot about how essential it is to pay your bills on time and make at least the minimum payment - but here&rsquo;s one more important piece of advice: Pay more whenever you can.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=95409]]>
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			<pubDate>Wed, 15 Mar 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[What is a Credit Freeze?]]></title>
			<description><![CDATA[If you break into a sweat at the thought of identity theft, you might want to consider a credit freeze.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=122356]]>
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			<pubDate>Wed, 15 Feb 2023 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[What is Social Engineering?]]></title>
			<description><![CDATA[Social Engineering is any malicious activity that takes advantage of people by tricking them into sharing private information. ]]></description>
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			<pubDate>Sat, 15 Oct 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[You Can Help your Child Learn How to Manage their Savings]]></title>
			<description><![CDATA[Teaching kids to save money is an important task that can benefit them throughout their lives.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=95394]]>
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			<pubDate>Mon, 15 Aug 2022 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[What Makes a Good Credit Score?]]></title>
			<description><![CDATA[If you&rsquo;re thinking about applying for a credit card, getting a loan, or buying a house, you&rsquo;re going to want to know your credit score.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=105621]]>
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			<pubDate>Fri, 15 Jul 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[Buy A Dream Home That Isn&rsquo;t A Financial Nightmare]]></title>
			<description><![CDATA[Don't let finding your 'dream home' turn into a financial nightmare. Here are some things to keep in mind.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=122331]]>
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			<pubDate>Fri, 15 Apr 2022 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Making the Most of Credit Card Rewards]]></title>
			<description><![CDATA[Credit cards should do more than help you spend; they should help you get rewards too! Learn what that can mean for you.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=122336]]>
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			<pubDate>Tue, 15 Mar 2022 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Paying Off Debt: Snowball vs. Avalanche]]></title>
			<description><![CDATA[Sometimes paying off debt can feel impossible, especially if you owe a lot. So, what can you do? Consider the snowball or avalanche methods.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=122363]]>
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			<pubDate>Sat, 15 Jan 2022 00:00:00 -0500</pubDate>
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			<title><![CDATA[Getting A Home Loan Might Be Easier Than You Think]]></title>
			<description><![CDATA[Worried about the down payment for a home? You might have saved enough already.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=105638]]>
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			<pubDate>Mon, 15 Nov 2021 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Online Banking: There When You Need It Most]]></title>
			<description><![CDATA[The pandemic has opened our eyes to new ways of doing old things - and one, is banking. See how online banking keeps the doors open 24/7.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=95419]]>
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			<pubDate>Wed, 15 Sep 2021 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Do You Know How Your Payment Cards Work When You Travel?]]></title>
			<description><![CDATA[Getting ready for a vacation? Learn how planning ahead can save you money on travel transactions.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=95428]]>
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			<pubDate>Thu, 15 Jul 2021 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Be on The Alert For &lsquo;Update Account Information&rsquo; Scams]]></title>
			<description><![CDATA[&lsquo;Update account&rsquo; scams are common and can look very real. Here are some things to watch out for.]]></description>
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			<pubDate>Thu, 15 Apr 2021 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Try To Avoid Common Financial Mistakes]]></title>
			<description><![CDATA[What you do with your money can get you into a financial mess. Here are some tips to avoid that.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=105683]]>
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			<pubDate>Mon, 15 Mar 2021 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Protect Important Paper Documents To Keep Safe From Identity Theft]]></title>
			<description><![CDATA[Are your paper documents safe from prying eyes that can lead to identity theft? Here are some things to consider.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=116838]]>
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			<pubDate>Tue, 15 Dec 2020 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Need A New Vehicle? Should You Buy Or Lease?]]></title>
			<description><![CDATA[Is it time for a new vehicle? Should you buy or lease? Here are some things to consider.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=122316]]>
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			<pubDate>Sat, 15 Aug 2020 00:00:00 -0400</pubDate>
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			<title><![CDATA[Checking Accounts Can Help Teens Keep Track Of Money]]></title>
			<description><![CDATA[A checking account can be a great tool for teens. Find out why.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=122358]]>
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			<pubDate>Sun, 15 Mar 2020 00:00:00 -0400</pubDate>
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			<title><![CDATA[Paying Debts and Learning To Save Money Can Reduce Your Financial Worries]]></title>
			<description><![CDATA[Paying debts and learning to save money can reduce your financial concerns. Check out these tips.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=109408]]>
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			<pubDate>Sun, 15 Dec 2019 00:00:00 -0500</pubDate>
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			<title><![CDATA[Reasons Why You Should Use A Credit Card For Online Purchases]]></title>
			<description><![CDATA[What type of card should you use when shopping online? Your credit card is probably safest. Find out why.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=95343]]>
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			<pubDate>Tue, 15 Oct 2019 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Your Computer Has Malware. What Should You Do?]]></title>
			<description><![CDATA[Malware can be devastating. Here are some warning signs and things you can do to prevent it.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=116821]]>
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			<pubDate>Sun, 15 Sep 2019 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Tips To Help Save You Money When Buying A New Vehicle]]></title>
			<description><![CDATA[There are many things you can do to keep from crashing your bank account when buying a new vehicle.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=106126]]>
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			<pubDate>Wed, 15 May 2019 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Make Sure You&rsquo;re Dealing With An Official Customer Service Representative]]></title>
			<description><![CDATA[Learn why it's important to make sure you're dealing with an official customer service representative.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=122348]]>
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			<pubDate>Sat, 15 Dec 2018 00:00:00 -0500</pubDate>
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			<title><![CDATA[Everyday Tips For Saving Money]]></title>
			<description><![CDATA[Saving money can be hard, but these tips to cut back on everyday spending can really add up to significant savings.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=95383]]>
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			<pubDate>Wed, 15 Aug 2018 00:00:00 -0400</pubDate>
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			<title><![CDATA[Worried about the down payment for a home? You might have enough saved already.]]></title>
			<description><![CDATA[Getting a loan for your first home might be easier than you think. Your down payment can make a difference.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=105626]]>
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			<pubDate>Fri, 15 Jun 2018 00:00:00 -0400</pubDate>
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			<title><![CDATA[Saving And Planning For Vacation]]></title>
			<description><![CDATA[Saving and planning for a trip today can make tomorrow seem like a vacation! Here are some tips.]]></description>
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			<pubDate>Thu, 12 Apr 2018 00:00:00 -0400</pubDate>
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			<title><![CDATA[The &lsquo;Hidden&rsquo; Costs Of Buying A Car]]></title>
			<description><![CDATA[The 'hidden' costs of buying a car can add up quickly. Learn what some of these costs are.]]></description>
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			<pubDate>Thu, 15 Feb 2018 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Debit, Credit Card Alerts Help Keep You Safe and Informed]]></title>
			<description><![CDATA[Learn how alerts help keep you informed about bank card use and other important account  information.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=122341]]>
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			<pubDate>Wed, 15 Nov 2017 00:00:00 -0500</pubDate>
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				<item>
			<title><![CDATA[Think Twice Before Choosing Rent To Own]]></title>
			<description><![CDATA[Do you know that renting to own can cost much more than buying the product you want? Learn more today.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=122376]]>
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			<pubDate>Tue, 02 May 2017 00:00:00 -0400</pubDate>
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			<title><![CDATA[Things You Should Know About Student Loans]]></title>
			<description><![CDATA[Will you need a student loan to attend college? Learn about some of your loan options today.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=105663]]>
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			<pubDate>Tue, 25 Apr 2017 00:00:00 -0400</pubDate>
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			<title><![CDATA[Have Your Important Tax Information Ready and Organized]]></title>
			<description><![CDATA[Do you have the right tax documents ready? Learn why it's important to be prepared at tax-filing time.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=105666]]>
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			<pubDate>Mon, 27 Mar 2017 23:00:00 -0400</pubDate>
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			<title><![CDATA[Be Careful When Looking For A Vacation Rental]]></title>
			<description><![CDATA[Don't let a vacation rental scam turn your dream trip into a nightmare. Learn what to look out for today!]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2272&id=122386]]>
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			<pubDate>Wed, 15 Feb 2017 00:00:00 -0500</pubDate>
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			<title><![CDATA[Don&rsquo;t Let Credit Card Interest Cost You Money]]></title>
			<description><![CDATA[Credit cards: Learn why it's important to make more than just the minimum payment.]]></description>
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			<pubDate>Mon, 15 Aug 2016 00:00:00 -0400</pubDate>
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			<description><![CDATA[How do you keep track of your online passwords? Learn how a password manager can help.]]></description>
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			<description><![CDATA[Welcome to your 20s, a great time to start saving for retirement. Learn more today.]]></description>
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			<description><![CDATA[Are you guarding your email from both the outside and the inside? Learn how today.]]></description>
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			<description><![CDATA[Security is at the core of our easy-to-use mobile banking app. Learn more today!]]></description>
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			<description><![CDATA[Are you taking steps to keep the data on your smartphone secure? Learn what you can do today!]]></description>
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			<description><![CDATA[Be sure to plan ahead for closing costs when buying a home. Learn more today.]]></description>
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			<pubDate>Sat, 30 May 2015 23:00:00 -0400</pubDate>
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			<title><![CDATA[Protect the Information on Your Smartphone]]></title>
			<description><![CDATA[Our smartphones are capable of many things: email, shopping, banking, apps and storing information. This can expose you to identity theft, unless you take some precautions.]]></description>
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			<title><![CDATA[Teen Checking Account]]></title>
			<description><![CDATA[Learn why opening a checking account as a teen is a smart financial move.]]></description>
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			<description><![CDATA[Learn how to keep your identity safe from dangerous Phishing and Smishing scams.]]></description>
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