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		<title>MoneyiQ by Rayne State Bank</title>
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		<copyright><![CDATA[Copyright &copy;2026 Beavercreek Marketing. All Rights Reserved.]]></copyright>
		<pubDate>Sat, 15 Apr 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[What is Inflation?]]></title>
			<description><![CDATA[What is inflation, and what does it mean for the average consumer? Inflation is a rise in prices, or a decrease in the purchasing power of money.]]></description>
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			<pubDate>Wed, 15 Feb 2023 00:00:00 -0500</pubDate>
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			<title><![CDATA[The Importance of Backing Up your Computer]]></title>
			<description><![CDATA[Are you backing up your important computer files at home? Without backups, you could lose important files--forever!]]></description>
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			<pubDate>Tue, 15 Nov 2022 00:00:00 -0500</pubDate>
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			<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[Don't Fall for Tech Support Scams]]></title>
			<description><![CDATA[You don&rsquo;t have to be a computer expert to recognize a tech support scam when you see one.]]></description>
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			<pubDate>Thu, 15 Sep 2022 00:00:00 -0400</pubDate>
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			<title><![CDATA[Your Plan of Attack After a Hack]]></title>
			<description><![CDATA[When merchants are hacked, consumers are at risk. Is your credit or debit card in danger? Is there anything you can do? Find out now.]]></description>
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			<pubDate>Fri, 15 Jul 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[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[Keep Yourself Safe From Medicare Scams And Fraud]]></title>
			<description><![CDATA[Are you guarding yourself from Medicare scams and fraud? Here are some things to consider.]]></description>
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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[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>
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			<pubDate>Wed, 15 Sep 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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			<pubDate>Thu, 15 Jul 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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			<pubDate>Thu, 15 Apr 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[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>
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			<pubDate>Fri, 15 Jan 2021 00:00:00 -0500</pubDate>
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			<title><![CDATA[Watch Out For Caller ID Spoofing Phone Calls]]></title>
			<description><![CDATA[Your telephone can be a gold mine to scammers. Find out what you can do to prevent caller ID spoofing.]]></description>
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			<pubDate>Sun, 15 Nov 2020 00:00:00 -0500</pubDate>
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			<title><![CDATA[Are You Taking The Time To Balance Your Checking Account?]]></title>
			<description><![CDATA[Nervous about how much money is in your checking account? Learn why it's important to keep track of your balance.]]></description>
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			<pubDate>Tue, 15 Sep 2020 00:00:00 -0400</pubDate>
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			<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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			<pubDate>Wed, 15 Jul 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>
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			<pubDate>Sun, 15 Dec 2019 00:00:00 -0500</pubDate>
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			<title><![CDATA[Protect Yourself From Becoming A Victim Of Gift Card Scams]]></title>
			<description><![CDATA[Whether you get or give gift cards, you need to watch out for scammers. Find out why.]]></description>
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			<pubDate>Fri, 15 Nov 2019 00:00:00 -0500</pubDate>
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			<title><![CDATA[Don&rsquo;t Share Too Much On Social Media]]></title>
			<description><![CDATA[It's best not to share too much personal information on social media. Learn why.]]></description>
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			<pubDate>Tue, 15 Oct 2019 00:00:00 -0400</pubDate>
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			<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>
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			<pubDate>Sun, 15 Sep 2019 00:00:00 -0400</pubDate>
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			<title><![CDATA[Zombie In Your House? Protect Your Computer From Becoming Part Of A Botnet.]]></title>
			<description><![CDATA[How do you know if your computer is part of botnet? Here are some things to look for.]]></description>
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			<pubDate>Thu, 15 Aug 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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			<pubDate>Mon, 15 Apr 2019 00:00:00 -0400</pubDate>
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			<title><![CDATA[What Is The Draw Of Cryptocurrency Like Bitcoin?]]></title>
			<description><![CDATA[What&rsquo;s the big draw of cryptocurrency like Bitcoin and why are so many people talking about it? ]]></description>
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			<pubDate>Fri, 15 Feb 2019 00:00:00 -0500</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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			<pubDate>Sat, 15 Sep 2018 00:00:00 -0400</pubDate>
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			<title><![CDATA[Retirement: Things You Should Be Doing In Your 50s]]></title>
			<description><![CDATA[In your 50s? It&rsquo;s time to shift into retirement-planning high gear. Learn why.]]></description>
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			<pubDate>Wed, 15 Aug 2018 00:00:00 -0400</pubDate>
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			<title><![CDATA[Retirement: Things To Do In Your 30s]]></title>
			<description><![CDATA[In your 30s? Learn what you can do to save money for retirement.]]></description>
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			<pubDate>Sun, 15 Jul 2018 00:00:00 -0400</pubDate>
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			<title><![CDATA[File Taxes Early As A Guard Against Identity Theft]]></title>
			<description><![CDATA[It's important to keep your personal information safe and to file your taxes early. Find out why.]]></description>
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			<pubDate>Thu, 15 Feb 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>
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			<pubDate>Wed, 15 Nov 2017 00:00:00 -0500</pubDate>
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			<title><![CDATA[Retirement: What To Do In Your 40s]]></title>
			<description><![CDATA[In your 40s and slow to save for retirement? It's time to get serious. Learn why.]]></description>
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			<pubDate>Sun, 15 Oct 2017 00:00:00 -0400</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>
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			<pubDate>Fri, 15 Sep 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>
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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>
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			<pubDate>Wed, 15 Feb 2017 00:00:00 -0500</pubDate>
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			<title><![CDATA[FDIC Insurance Protects Your Money Deposits]]></title>
			<description><![CDATA[Learn how FDIC insurance protects the money deposited into your covered accounts.]]></description>
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			<pubDate>Mon, 09 Jan 2017 00:00:00 -0500</pubDate>
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			<title><![CDATA[Password Managers Can Help Keep Your Online Accounts Safe]]></title>
			<description><![CDATA[How do you keep track of your online passwords? Learn how a password manager can help.]]></description>
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			<pubDate>Wed, 15 Jun 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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			<pubDate>Sat, 27 Feb 2016 00:00:00 -0500</pubDate>
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			<title><![CDATA[Are You Protecting Your Email Accounts?]]></title>
			<description><![CDATA[Are you guarding your email from both the outside and the inside? Learn how today.]]></description>
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			<pubDate>Wed, 03 Feb 2016 23:00:00 -0500</pubDate>
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			<title><![CDATA[Tips For Creating Strong Passwords]]></title>
			<description><![CDATA[Learn how you can create strong passwords to safeguard your online accounts.]]></description>
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			<pubDate>Fri, 15 Jan 2016 00:00:00 -0500</pubDate>
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			<title><![CDATA[Mobile Banking: It&rsquo;s Safe and Easy]]></title>
			<description><![CDATA[Security is at the core of our easy-to-use mobile banking app. Learn more today!]]></description>
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			<pubDate>Thu, 03 Sep 2015 23:00:00 -0400</pubDate>
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			<title><![CDATA[Smartphone Security Tips]]></title>
			<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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			<pubDate>Thu, 30 Jul 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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			<pubDate>Fri, 27 Feb 2015 23:00:00 -0500</pubDate>
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			<title><![CDATA[Advance Fee Schemes]]></title>
			<description><![CDATA[Learn how to avoid becoming a victim of tempting but costly advance fee schemes.]]></description>
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			<pubDate>Tue, 18 Feb 2014 00:00:00 -0500</pubDate>
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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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			<title><![CDATA[529 College Savings Plans]]></title>
			<description><![CDATA[Learn how a 529 college savings plan can be a wise investment in the future.]]></description>
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			<title><![CDATA[Watch for 'Gray Charges']]></title>
			<description><![CDATA[Learn about 'gray charges' - and things you can to do avoid these costly expenses.]]></description>
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			<description><![CDATA[Don't fall into the payday loan trap. Learn how to avoid those high fees.]]></description>
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			<description><![CDATA[Learn how to use your credit card wisely and avoid paying costly fees and charges!]]></description>
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			<description><![CDATA[Learn how to protect your debit, credit and ATM transactions from money skimmers.]]></description>
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			<title><![CDATA[Your Credit Score Matters]]></title>
			<description><![CDATA[Learn why your credit score matters when it comes to loans and interest rates.]]></description>
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			<description><![CDATA[Your credit report is an overview of your financial health. Lean how to check it out.]]></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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