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1. How to help employees prepare for retirement
   Some of your employees may be supporting their grown children instead of saving for retirement. Yes, you read that right. According to a report by Merrill Lynch and Age Wave, U. S. parents spend $500 billion a year on their 18- to 34-year-old adult children – twice the amount they contribute to their retirement savings
2. How to use education benefits to create a more inclusive workplace
   Attaining and developing appropriate skills is the key to growth within your career and your company. More than two-thirds of jobs will require some post-high-school learning by 2027 and employees who have degrees can expect as much as a 167% salary bump over those who do not. Yet employees in underrepresented demograp
3. SBA Loans: Preferred Lenders like Old National Bank
   SBA Loans: Preferred Lenders Old National Bank Streamline the Process. Loans guaranteed by the United States Small Business
4. The Snowbird's Guide to Estate Planning: Protecting Your Legacy Across State Lines
   If you're planning to own or rent property in two states after you retire, here are some things to things to consider in your estate planning.
5. 5 Budgeting Tips For Small Businesses In 2020
   Balancing your budget for 2020 starts now. As we approach the end of 2019, it’s time for us business owners to turn our attention to planning for 2020. Planning for any new year is a daunting task, since the future always holds uncertainty—but that’s especially true for 2020. The economy is booming, but tariffs, global
6. The Pandemic Has Hit Women Hard: 6 Tips to Bounce Back
   We see reminders of the problems with gender parity every day. The passing of Justice Ruth Bader Ginsberg brought women’s struggles over the years back to the forefront. I just wrote about RBG last month, but this topic is worth discussing during the pandemic. Let’s see how far we have come … and how far we still need
7. What To Do When You’ve Been Laid Off
   Many people continue to struggle under the current economic conditions with high inflation and increased cost of living. Unfortunately, there is also
8. How Small Biz Owners Can Super-Size Their Retirement Incomes
   If you own a small business with just a handful of employees, and are worried about saving enough for retirement, here’s an idea: start an old-fashioned defined benefit plan for your company.
9. 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.

10. Wealth Management Insights
    How do you manage your money? Get the tips and advice you need. Explore our library of articles and resources on a wide range of wealth management topics.