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1. What is an emergency fund?

   An emergency fund, also known as a rainy day fund, is a savings account where you set aside money for an unexpected event. For example, you might dip into your emergency fund for an unexpected medical bill, a sudden need for car repair, or a job loss. Your emergency fund should not be used for day-to-day expenses, vacations, or other big non-emergency purchases.

   The idea is that by having dedicated savings for the unexpected, you’ve created a buffer, should disaster strike. You’ll have funds to cover an emergency and not be as financially impacted as you would be if you were unprepared. This allows you to avoid debt and continue to pursue your other financial goals in the face of an emergency.

   Experts recommend you keep anywhere from 6 months to a year’s worth of expenses in your dedicated emergency fund. You should also make sure your emergency fund is in an interest-bearing account. At Old National, we offer a variety of savings options.

2. 4 Unique Ways to Thank Your Customers
   You say it every day as a small business owner: thank you. It's said after every transaction, before almost every "take care," and sometimes while you're getting to know your customers before they buy anything at all. Saying thank you is a part of your everyday language, but what about sending a thank you that lasts, o
3. Employee morale and financial health: What employers need to understand
   COVID-19 has reshaped labor markets in ways that are testing what employers know—and don't know—about their workforces. Take the restaurant industry, where NPR reports employees are leaving at a record rate. Pay is only part of it. A lack of benefits weighs on their minds, too. As does the rudeness from customers.
4. Financial Aid Offers Are Negotiable. Here’s How to Ask Colleges for More Money (and Get It)
   Go the grocery store, and the price is the price. Apples are $2 a pound this week, and you’ll get nowhere arguing about it. Go to a car dealership, on the other hand, and the sticker price is just the beginning of a conversation. College financial aid is more like a car dealership than a grocery store. It’s possible to
5. How to use cyber insurance to better transfer risk
   However comprehensive a healthcare organization’s cybersecurity measures, there is still a need to transfer risk with cyber insurance as a tool to manage exposure. Healthcare organizations are beginning to look to insurance or cyber risk transfer programs as a way to shift the risks, not just as a solution for balance
6. What does work look like in 2021? Workplace experts share their predictions
   No one could have anticipated the total upheaval to the workplace in 2020 — the transition to remote work, a new reliance on technology, persistent pressures on employee mental health and well-being, child care concerns — the year was a roller coaster of crisis management for organizations and HR leaders. With the one-
7. When will I receive year-end tax information from Old National?

   We will mail tax information to the mailing address you have on file with us. Old National does not currently provide access to tax documents online.

   You can also view year-end tax information for your mortgage within Mortgage Manager.

   Please be aware that the the USPS announced they are experiencing processing and delivery delays nationwide due to higher-than-normal volumes and COVID-19 impacts.

   If you have not received your tax documents in a reasonable time period, or you have misplaced them, you can contact Client Care at 1-800-731-2265, Option 4, or visit any Old National banking center to request a copy. Please note that most banking center lobbies are currently open by appointment only due to COVID-19. You can make an appointment through our website locator.

8. Translating Passion to Business
   Meet Elizabeth Colon, who is an honoree of the 2020 Inspiring Women in Business program, sponsored by First Midwest Bank and 101.9 THE MIX. Elizabeth
9. Suggested Headlines:Bank Impersonation Scams Are
   Bank Impersonation Scams Are Evolving. Watch for These Red Flags.The Top Bank Impersonation Scams To Watch For—And What To Do If
10. 7 Strategies for Retaining Multi-Generational Employees
    Practices that emphasize flexibility, respect, adaptability, and communication are the key to success in a multi-generational workplace. Here are some strategies to consider