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		<title>Money IQ by Nebraska Energy FCU</title>
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		<copyright><![CDATA[Copyright &copy;2026 Beavercreek Marketing. All Rights Reserved.]]></copyright>
		<pubDate>Wed, 15 Oct 2025 00:00:00 -0400</pubDate>
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			<title><![CDATA[What Does It Mean to be Upside Down on a Loan?]]></title>
			<description><![CDATA[Have you ever found yourself upside down on a loan? Learn more about this tricky financial state--and how to get right side up again--today!]]></description>
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			<pubDate>Wed, 15 Oct 2025 00:00:00 -0400</pubDate>
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			<title><![CDATA[Secured vs. Unsecured Debt: Understanding Your Borrowing Options]]></title>
			<description><![CDATA[When it comes to borrowing money, it's easy to get lost in the jargon and overwhelmed by your options. But a basic understanding of the two main types of loans can help you make the right choice. ]]></description>
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			<pubDate>Sun, 15 Jun 2025 00:00:00 -0400</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[Are You Considering an Early 401(k) Withdrawal?]]></title>
			<description><![CDATA[If you run into a financial bind, it can be very tempting to think about raiding funds from your 401(k) or similar retirement account to meet your needs.]]></description>
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			<pubDate>Mon, 15 Apr 2024 00:00:00 -0400</pubDate>
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			<title><![CDATA[What Should You do if You Can't Make Your House Payment]]></title>
			<description><![CDATA[You did your research, you bought responsibly&mdash;but the unthinkable happens, and for some reason, you can&rsquo;t make your mortgage payment. What do you do? ]]></description>
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			<pubDate>Fri, 15 Mar 2024 00:00:00 -0400</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=2337&id=101424]]>
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			<pubDate>Mon, 15 Jan 2024 00:00:00 -0500</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[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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			<pubDate>Sun, 15 Oct 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=2337&id=101413]]>
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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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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2337&id=92549]]>
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			<pubDate>Tue, 15 Aug 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[Worried about late or lost mail? It's time for Online Bill Pay]]></title>
			<description><![CDATA[Late delivery of bills or payments sent through the mail can be frustrating--and costly. Online Bill Pay can help!]]></description>
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			<pubDate>Mon, 15 May 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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			<pubDate>Sat, 15 Apr 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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			<pubDate>Wed, 15 Feb 2023 00:00:00 -0500</pubDate>
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			<title><![CDATA[Public Wifi]]></title>
			<description><![CDATA[Whether you&rsquo;re at home, at the office, or especially on a public wifi network, there are steps you can take to stay secure and guard your personal information.]]></description>
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			<pubDate>Sun, 15 May 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[Some Scammers Are Targeting Personal Payment Apps]]></title>
			<description><![CDATA[Some scammers are trying to use that handy peer-to-peer mobile payment app to trick you out of your money. Learn more.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2337&id=101379]]>
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			<pubDate>Mon, 15 Nov 2021 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>
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			<pubDate>Mon, 15 Nov 2021 00:00:00 -0500</pubDate>
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			<title><![CDATA[Take Some Time To Teach Young Kids The Basics Of Money]]></title>
			<description><![CDATA[How do you start teaching young children about money? You talk about it in simple terms. Here are some examples.]]></description>
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			<pubDate>Sun, 15 Aug 2021 00:00:00 -0400</pubDate>
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			<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>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2337&id=65357]]>
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			<pubDate>Thu, 15 Jul 2021 00:00:00 -0400</pubDate>
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			<title><![CDATA[Tips to Protect Yourself from Elder Financial Abuse]]></title>
			<description><![CDATA[Seniors shouldn't rush into financial decisions or feel pressured to act until they are ready. Find out why.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2337&id=70706]]>
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			<pubDate>Tue, 15 Jun 2021 00:00:00 -0400</pubDate>
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			<title><![CDATA[It&rsquo;s Important To Learn About Managing Your Money While In College]]></title>
			<description><![CDATA[It might not be a class you take, but one of the most important things you can learn in college is how to manage money. Find out why.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2337&id=65367]]>
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			<pubDate>Sat, 15 May 2021 00:00:00 -0400</pubDate>
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			<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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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2337&id=65281]]>
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			<pubDate>Thu, 15 Apr 2021 00:00:00 -0400</pubDate>
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			<title><![CDATA[It Can Be Easy To Transfer Money To Family And Friends]]></title>
			<description><![CDATA[Need to transfer money to a family member or friend? There are banking tools you can use to make it easy.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2337&id=113738]]>
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			<pubDate>Mon, 15 Feb 2021 00:00:00 -0500</pubDate>
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			<title><![CDATA[Watch Out For Scammers Claiming To Be From Your Bank]]></title>
			<description><![CDATA[Here are some important things to think about if someone calls claiming to be from your financial institution.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2337&id=65286]]>
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			<pubDate>Fri, 15 Jan 2021 00:00:00 -0500</pubDate>
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			<title><![CDATA[Think About Your Loan When Purchasing A New Or Used Vehicle]]></title>
			<description><![CDATA[A loan can put you behind the wheel of a new or used vehicle, but are all loans created equal? Here are some things to consider.]]></description>
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			<pubDate>Sun, 15 Nov 2020 00:00:00 -0500</pubDate>
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			<title><![CDATA[Thinking About Refinancing Your Home Mortgage?]]></title>
			<description><![CDATA[There are several reasons for refinancing your home mortgage. Is one right for your needs?]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2337&id=65232]]>
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			<pubDate>Wed, 15 Jul 2020 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Things To Think About When You Leave Your Job With Money Invested In A 401(k)]]></title>
			<description><![CDATA[What should you do with your 401(k) when you leave your job? Here are some options.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2337&id=113731]]>
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			<pubDate>Wed, 15 Jul 2020 00:00:00 -0400</pubDate>
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				<item>
			<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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			<pubDate>Tue, 15 Oct 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=2337&id=72261]]>
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			<pubDate>Wed, 15 May 2019 00:00:00 -0400</pubDate>
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			<title><![CDATA[It&rsquo;s Important To Protect Your Mobile Phone Number &ndash; And Your Phone ]]></title>
			<description><![CDATA[Learn why experts say it's important to protect your cell phone number from falling into the wrong hands.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2337&id=65176]]>
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			<pubDate>Mon, 15 Apr 2019 00:00:00 -0400</pubDate>
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			<title><![CDATA[Retirement: Things To Do In Your 60s]]></title>
			<description><![CDATA[In your 60s? Can you see the retirement finish line? Learn what you can do.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2337&id=65257]]>
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			<pubDate>Sat, 15 Sep 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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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2337&id=65362]]>
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			<pubDate>Thu, 12 Apr 2018 00:00:00 -0400</pubDate>
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			<title><![CDATA[Getting Married? It&rsquo;s Time To Talk About Financial Goals and Needs]]></title>
			<description><![CDATA[Planning to get married? Now's the time to start talking about your finances. Learn more today!]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2337&id=77321]]>
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			<pubDate>Mon, 15 Jan 2018 00:00:00 -0500</pubDate>
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			<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=2337&id=65116]]>
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			<pubDate>Wed, 15 Nov 2017 00:00:00 -0500</pubDate>
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			<title><![CDATA[Electronic Payments Keep You Safe And Informed]]></title>
			<description><![CDATA[Looking for a fast, safe and convenient way to do everything from paying bills to making purchases?]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2337&id=65352]]>
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			<pubDate>Fri, 15 Sep 2017 00:00:00 -0400</pubDate>
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				<item>
			<title><![CDATA[Retirement: Have you considered an IRA?]]></title>
			<description><![CDATA[Thinking about saving for retirement? Have you considered an IRA? Find out why.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2337&id=70671]]>
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			<pubDate>Tue, 15 Aug 2017 00:00:00 -0400</pubDate>
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			<title><![CDATA[Have You Started Using A Mobile Wallet Yet?]]></title>
			<description><![CDATA[Have you started using your smartphone as a mobile wallet yet? Lean how it's both convenient and secure.]]></description>
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			<pubDate>Wed, 15 Feb 2017 23:00:00 -0500</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>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2337&id=70692]]>
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			<pubDate>Wed, 15 Feb 2017 00:00:00 -0500</pubDate>
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			<title><![CDATA[It&rsquo;s Time To Automate Your Savings]]></title>
			<description><![CDATA[Automation makes things easier. Learn how it can help you save money!]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2337&id=113726]]>
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			<pubDate>Tue, 10 May 2016 00:00:00 -0400</pubDate>
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			<title><![CDATA[Retirement: Things To Think About In Your 20s]]></title>
			<description><![CDATA[Welcome to your 20s, a great time to start saving for retirement. Learn more today.]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=2337&id=65272]]>
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			<pubDate>Sat, 27 Feb 2016 00:00:00 -0500</pubDate>
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			<title><![CDATA[Tips For Creating Strong Passwords]]></title>
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