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1. How to Receive Payments from Clients Securely
   You’ve done the job and now you’re itching to get paid—not so fast. In the scurry to get paid it’s important that you still remember some basics about secure payment. Fraud is rampant online and it pays to be safer than sorry. Here are a few things to remember when you receive payments to make sure you’re doing it secu
2. Life Insurance: What Business Owners Should Know
   It's important to insure yourself as well as your company It is said that a quality life insurance policy provides "certainty in an uncertain world."
3. Personal vs. Business Finances: How Business Owners Should Handle Both
   As a business owner, juggling your personal and business finances can be tricky. Tools and strategies that can help you keep them separate and robust
4. What are financial scams I should be aware of?

   What you need to know:
   Scams fall into a couple of categories, Advanced Fee Scams & Bank and Financial Account Scams.

   • Advanced Fee Scams – based on the concept that the victim is promised a benefit (prize, lottery winnings, inheritance) but must pay in advance for some fee before the victim can receive that benefit. Variations of this scheme include business opportunity/work, credit card interest reduction, work from home online scams and romance schemes.
   • Bank and Financial Account Scams – involve tricking individuals into providing their debit card, credit card or financial account information so that scammers gain unauthorized access to those account and siphon off funds. Some of these techniques include:
     • Phishing – use of email and websites that pretend to be legitimate banks, financial institutions, credit card companies and manipulate the victim into disclosing personal and financial data
     • Vishing – telephone equivalent of phishing; fraudsters call prospective victims and pretend to be the victim’s bank to trick them into disclosing details during the call
     • SMiShing – texting equivalent to phishing

   Types of Scams:
   IRS Scams: Scammers call potential victims demanding cash payments for unpaid taxes via prepaid debit cards, money orders, Western Union/Money-gram or wire through their bank. According to the IRS, the agency will first contact taxpayers by mail, not by phone, concerning taxes owed and it will never as for payments using a prepaid debit card, money order or wire transfer. 

   Online Dating Scams: Scammers troll media sites in search of romantic victims-usually claiming to be Americans traveling or working abroad. Here is how the scam works. You are contacted online by someone who appears interested in you. They may have a profile and email you pictures. For weeks, even months you may chat back and forth forming a connection. You may even be sent flowers or other gifts. Ultimately, your new “friend” will request money. There will be repeated hardships that only you can help alleviate. You may also be sent checks to cash or forward a package. In addition to losing your money, you may have unintentionally taken part in a money laundering scheme by cashing phony checks and sending the money overseas and by shipping stolen merchandise. 

   Grandparent Scam: A grandparent receives a call from a “grandchild”, typically late at night or early in the morning. The caller claims to be traveling out of the country and is in a bad situation (arrested for drugs, car accident, mugged) and needs money wired ASAP. The caller does not want his or her parents called. A variation is the caller claims to be an arresting police officer, lawyer or doctor and requesting money. 

   Online Shopping Scams: These can take many forms. Some scammers will pose as genuine sellers and post fake ads at much lower prices. After you pay, the items never arrive. Other scammers will pose as buyers and send a check for more than the required payment and ask for a refund. You send the refund and the check comes back as fraudulent. You are out the item and the amount of the refund. 

   What you need to do:

   • Become familiar with common fraud scams
   • Know who you are receiving checks from before you deposit them
   • Never pay anyone to receive a deposit
   • If someone calls you and attempts to obtain sensitive information or scam you, hang up

   If you inadvertently provided personal information and feel your Old National accounts may be in jeopardy, please contact Client Care at 1-800-731-2265 Monday-Friday, 7am to 6pm or Saturday, 7am to noon CT.

5. What if I want to send money to someone whose financial institution doesn't offer Zelle?

   You can find a full list of participating banks and credit unions live with Zelle^® here.

   If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle^® by downloading the Zelle^® app for Android and iOS.

   To enroll with the Zelle^® app, your recipient will enter their basic contact information, an email address and U.S. mobile number and a Visa^® or Mastercard^® debit card with a U.S.-based account (does not include U.S. territories). Zelle^® does not accept debit cards associated with international deposit accounts or any credit cards.

6. Maximum employment? What it means post-pandemic may have changed already
   WASHINGTON (Reuters) - The U. S. unemployment rate hit a record low of 3.5% a year ago, but that bit of history comes with a footnote. It arguably was not the best overall time for workers in recent decades. That honor goes to the final months of 2000. Even though unemployment rates were a bit higher, wage growth was s
7. Why Supporting Your Employees Side Business Is Highly Beneficial To You
   Peggy_Marco / PixabaySome business owners want to extract every single waking hour from their employees. They feel that if an employee has a side business it is taking away from their 9-5. But that couldn’t be further from the truth. By supporting your employees’ side businesses you gain tons of benefits. Reduces Train
8. Will Today’s Trade Talks Be Successful: Here Are The Seven Things To Watch
   Trade negotiations between U. S. and Chinese officials, which take place today and tomorrow in Beijing in the hope of reaching a deal during a 90-day truce between President Trump and his Xi Jinping, already suffered a major setback when the US unexpectedly carried out its latest 'Freedom of Navigation' operation in th
9. Your Credit Report Might Interfere With Your Job Search. Here's What You Need to Know
   These days, your credit history is almost as important for your personal finances as your bank accounts. That's because it can impact everything from your ability to get a loan to your ability to get a job. Yes, that's right: Your credit can impact your job search. One of the more pervasive myths when it comes to job h
10. Entrepreneurs are Desperate to Switch to Digital Payments. Here’s What’s Stopping Them, Mastercard Says.
    Even Gen Z finds it difficult to convince legacy businesses to stop requiring cash and check payments.