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		<title>MoneyiQ by Downriver Community FCU</title>
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		<copyright><![CDATA[Copyright &copy;2026 Beavercreek Marketing. All Rights Reserved.]]></copyright>
		<pubDate>Thu, 15 Jan 2026 00:00:00 -0500</pubDate>
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			<title><![CDATA[How to Use a Debt Tracker to Manage Debt]]></title>
			<description><![CDATA[Ready to be debt free? A debt tracker is a great place to start. ]]></description>
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			<pubDate>Thu, 15 Jan 2026 00:00:00 -0500</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[Have a 401K? Here is why an IRA may still make sense]]></title>
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			<pubDate>Thu, 09 Oct 2025 00:00:00 -0400</pubDate>
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			<title><![CDATA[Overwhelmed by medical bills? Think twice before you put them on your credit card]]></title>
			<description><![CDATA[Feeling buried by medical bills? Before you reach for your credit card, take a look at your other options. ]]></description>
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			<pubDate>Tue, 15 Jul 2025 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>
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			<pubDate>Sun, 29 Jun 2025 00:00:00 -0400</pubDate>
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			<title><![CDATA[What You Need to Know About the Infostealer Data Breach]]></title>
			<description><![CDATA[An estimated 16 billion stolen login credentials have been compiled by &quot;infostealer&quot; malware. Here&rsquo;s how to act now to protect your online accounts.]]></description>
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			<pubDate>Fri, 27 Jun 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[Simple Steps to Creating a Household Budget]]></title>
			<description><![CDATA[When it comes to your finances, it's important to track both your income and your expenses. Learn more about setting up a budget today!]]></description>
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			<pubDate>Sun, 18 May 2025 00:00:00 -0400</pubDate>
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			<title><![CDATA[How to Spot and Avoid Loan Scams Online]]></title>
			<description><![CDATA[Looking for a loan? Be wary of anyone promising &quot;guaranteed approval&quot;--it's likely a scam! ]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=3701&id=116233]]>
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			<pubDate>Tue, 15 Apr 2025 00:00:00 -0400</pubDate>
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			<title><![CDATA[Where's my Refund? A Simple Guide to Tracking Your Tax Refund Status]]></title>
			<description><![CDATA[Expecting a tax refund? It's easy to track its status! Learn how today!]]></description>
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				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=3701&id=111039]]>
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			<pubDate>Sat, 15 Mar 2025 00:00:00 -0400</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[Starting a Family? It's Time to Begin Your Financial Planning]]></title>
			<description><![CDATA[Thinking about starting a family? Then it&rsquo;s time to look closely at your finances because the costs will add up quickly.]]></description>
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			<pubDate>Sat, 15 Jun 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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			<pubDate>Sat, 15 Jun 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[What is a Reverse Mortgage?]]></title>
			<description><![CDATA[You may have heard of reverse mortgages, but do you know what they are? Learn about some of the ins and outs today!]]></description>
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			<pubDate>Thu, 15 Feb 2024 00:00:00 -0500</pubDate>
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			<title><![CDATA[A Property Tax Appeal Could Save You Money]]></title>
			<description><![CDATA[If you are a homeowner, you can pretty much count on getting an annual property tax bill. But did you know you can appeal your property taxes?]]></description>
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			<pubDate>Thu, 15 Feb 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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			<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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			<pubDate>Sun, 15 Oct 2023 00:00:00 -0400</pubDate>
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			<title><![CDATA[What is an Escrow Account?]]></title>
			<description><![CDATA[If you recently bought a house, your lender may have mentioned the term escrow. What does it mean? Learn more today!]]></description>
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			<pubDate>Sun, 15 Oct 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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			<pubDate>Sat, 15 Jul 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[How to Verify a Charity Before Donating]]></title>
			<description><![CDATA[Donating to charities can have a positive impact on countless lives, and it pays to give where your dollars will make the most difference.]]></description>
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			<pubDate>Sat, 15 Apr 2023 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>
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			<pubDate>Mon, 15 Aug 2022 00:00:00 -0400</pubDate>
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			<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>
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			<pubDate>Fri, 15 Jul 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[Don&rsquo;t Get Tricked By An Online Job Search Scam]]></title>
			<description><![CDATA[Looking for a job online? Be careful of job scams that could cost you money and still leave you without work.]]></description>
			<link>
				<![CDATA[https://www.onlinebanktours.com/m/article.php?b=3701&id=112704]]>
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			<pubDate>Tue, 15 Feb 2022 00:00:00 -0500</pubDate>
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			<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>
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			<pubDate>Sat, 15 Jan 2022 00:00:00 -0500</pubDate>
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			<title><![CDATA[Can&rsquo;t Find Your Payment Card? You Might Be Able To Turn It &lsquo;Off&rsquo; Or &lsquo;On&rsquo; Remotely.]]></title>
			<description><![CDATA[Have you ever panicked over a misplaced debit or credit card? The solution might be simple - just turn your card off. Learn more.]]></description>
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			<pubDate>Fri, 15 Oct 2021 00:00:00 -0400</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[Students Need To Watch For Possible Scholarship, Job Scams]]></title>
			<description><![CDATA[Students need to be on the alert for scholarship and job scams. Find out why.]]></description>
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			<pubDate>Sun, 15 Aug 2021 00:00:00 -0400</pubDate>
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			<title><![CDATA[College Is Expensive. Start Thinking About Money For School Now.]]></title>
			<description><![CDATA[College is expensive. Here are some things you should start thinking about now.]]></description>
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			<pubDate>Sat, 15 May 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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			<pubDate>Sat, 15 May 2021 00:00:00 -0400</pubDate>
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			<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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			<pubDate>Mon, 15 Mar 2021 00:00:00 -0400</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[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>
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			<pubDate>Sat, 15 Aug 2020 00:00:00 -0400</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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			<pubDate>Wed, 15 Jul 2020 00:00:00 -0400</pubDate>
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			<title><![CDATA[Should I Use A Debit Card Or A Credit Card?]]></title>
			<description><![CDATA[Do you know the differences between debit and credit cards? ]]></description>
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			<pubDate>Wed, 15 Jan 2020 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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			<pubDate>Tue, 15 Oct 2019 00:00:00 -0400</pubDate>
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			<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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