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        2,402 results found

        1. Should You Go Back to Work as a Retiree If Your Nest Egg Isn't Cutting It?
          After leaving the workforce, you'll have to start relying on savings and Social Security to support you. Unfortunately, you may discover these income
        2. As health care costs rise, what options are best for small business owners in 2019?
          How much does healthcare cost a small business and their employees? Short answer? A lot. A typical employee's individual policy ran almost $7,000
        3. Don't Assume the Default 401(k) Contribution Is Enough
          Photo: Amy Hirschi (Unsplash) When you opened up your 401(k), you were probably presented with a few default options. Maybe your workplace automatically put 3% of your paycheck towards 401(k) contributions, for example. Maybe you were told that the company would match your contributions up to 5%, so you elected to cont
        4. Protect Your Parents From Financial Scams
          Adults over 60 are losing billions to fraud each year. Here's how to prevent scammers from hurting your parents.
        5. How Small Businesses Balance Their Staff With Freelancers
          Now, small businesses balance their staff with freelancers. A recent study done by UpWork.com and the Freelancers Union found that around 57 million Americans were working as freelancers as of 2019. This makes up about 36 percent of the U. S. workforce and amounts to $1.4 trillion in earnings. The term “gig economy” ha
        6. Leveraging Your Home’s Value for Home Renovations
          For many homeowners, their house is their most significant asset, and seeing its value increase over time is always encouraging.
        7. The Uncomfortable Truth About Paying Yourself a Real Salary
          Seven uncomfortable truths most founders eventually face when it comes to paying themselves like a real operator, not a scrappy placeholder.
        8. What is a pre-authorization hold on my debit card?

          When you pay with your debit card, you may have a “pre-authorization hold” added to your account before the actual charge goes through. Businesses do this to make sure you have the funds available to cover the purchase, especially when the total amount is unknown at the time you use your card.

          For example, when you swipe your card before pumping gas, a pre-authorization hold is put on your account for an amount that’s probably going to be higher than what you’ll actually spend. When you reserve a hotel room, a hold is placed on the account for the cost of the room, plus a little more in case you have additional services during your stay. When you pay for your meal at a restaurant, a hold may be placed for the cost of the meal plus extra for the possible tip. Once the actual amount is known, that number becomes the charge. And once the charge clears your account (typically during the bank’s evening processing), the pre-authorization hold is released.

          Pre-authorization holds often can be considerably higher than what you will actually pay, and may stay on your account for a while (days, in some situations) so be sure you are prepared for this amount to be “on hold” in your account in the interim. Remember, you won’t have access to the excess funds until after the actual charge clears and the pre-authorization is released.

          Example: Joe visits a gas station and swipes his debit card before pumping his gas. The business doesn’t know how much gas Joe will pump, but it assumes the charge will be $50 or under. They place a pre-authorization hold on Joe’s card for $50 to ensure the funds are available. Joe pumps $20 worth of gas. That means there now is an extra $30 on hold in Joe’s account, and he will not have access to that money until the $20 charge clears and the $50 pre-authorization hold is released.

          If you have questions, call Client Care at 1-800-731-2265.

        9. Celebrating Black History Month-Business Spotlight: Joy's Helping Hand Childcare
          Joy's Helping Hand Childcare. Celebrate Black History Month with Old National Bank. Small Business success story
        10. The Future Of Office Real Estate
          When the Covid-19 pandemic is over, offices will still be used—but differently. Companies and their employees will have more options, and thus diversity of locations and uses will dominate the business world. We have learned about possibilities that we didn’t imagine in 2019, the good old days. Remote work has proved t