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    <title>Advice</title>
    <link>https://testing.horizonbank.com/about/advice</link>
    <description>Advice</description>
    <language>en</language>
    <pubDate>Wed, 09 Sep 2026 17:02:18 GMT</pubDate>
    <dc:date>2026-09-09T17:02:18Z</dc:date>
    <dc:language>en</dc:language>
    <item>
      <title>Fast and Secure Checkout Built for Prime Days | Horizon Bank</title>
      <link>https://testing.horizonbank.com/about/advice/fast-and-secure-checkout-built-for-prime-days</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/fast-and-secure-checkout-built-for-prime-days" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/primedays_jun26_sensibleadvice_700x500-2.jpg" alt="Fast and Secure Checkout Built for Prime Days | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;We’ve all been there, typing in card numbers, expiration dates, and billing information just to complete a simple purchase. With a &lt;a href="https://pay.amazon.com/help/201212240" class="speedbump"&gt;card on file&lt;/a&gt;, that hassle disappears, allowing faster, more convenient checkout without compromising security during Amazon Prime Days. &lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/fast-and-secure-checkout-built-for-prime-days" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/primedays_jun26_sensibleadvice_700x500-2.jpg" alt="Fast and Secure Checkout Built for Prime Days | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;We’ve all been there, typing in card numbers, expiration dates, and billing information just to complete a simple purchase. With a &lt;a href="https://pay.amazon.com/help/201212240" class="speedbump"&gt;card on file&lt;/a&gt;, that hassle disappears, allowing faster, more convenient checkout without compromising security during Amazon Prime Days. &lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=50566962&amp;amp;k=14&amp;amp;r=https%3A%2F%2Ftesting.horizonbank.com%2Fabout%2Fadvice%2Ffast-and-secure-checkout-built-for-prime-days&amp;amp;bu=https%253A%252F%252Ftesting.horizonbank.com%252Fabout%252Fadvice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Personal Finance</category>
      <pubDate>Thu, 18 Jun 2026 05:00:00 GMT</pubDate>
      <guid>https://testing.horizonbank.com/about/advice/fast-and-secure-checkout-built-for-prime-days</guid>
      <dc:date>2026-06-18T05:00:00Z</dc:date>
      <dc:creator>Horizon Bank</dc:creator>
    </item>
    <item>
      <title>24/7 Debit Card Monitoring with Instant Text Alerts | Horizon Bank</title>
      <link>https://testing.horizonbank.com/about/advice/debit-card-monitoring-with-instant-text-alerts</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/debit-card-monitoring-with-instant-text-alerts" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/enfact-blog_compr-2.png" alt="24/7 Debit Card Monitoring with Instant Text Alerts | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;span style="background-color: rgba(0, 0, 0, 0); color: inherit; font-family: inherit; font-size: inherit; text-align: inherit; text-transform: inherit; word-spacing: normal; caret-color: auto; white-space: inherit"&gt;&lt;strong&gt;&lt;/strong&gt;Protecting your online banking account is more important than ever. To stay secure, it’s essential to keep your browser updated, safeguard your passwords, and receive alerts so you can monitor activity in real time.&lt;/span&gt;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/debit-card-monitoring-with-instant-text-alerts" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/enfact-blog_compr-2.png" alt="24/7 Debit Card Monitoring with Instant Text Alerts | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;span style="background-color: rgba(0, 0, 0, 0); color: inherit; font-family: inherit; font-size: inherit; text-align: inherit; text-transform: inherit; word-spacing: normal; caret-color: auto; white-space: inherit"&gt;&lt;strong&gt;&lt;/strong&gt;Protecting your online banking account is more important than ever. To stay secure, it’s essential to keep your browser updated, safeguard your passwords, and receive alerts so you can monitor activity in real time.&lt;/span&gt;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=50566962&amp;amp;k=14&amp;amp;r=https%3A%2F%2Ftesting.horizonbank.com%2Fabout%2Fadvice%2Fdebit-card-monitoring-with-instant-text-alerts&amp;amp;bu=https%253A%252F%252Ftesting.horizonbank.com%252Fabout%252Fadvice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Security Center</category>
      <pubDate>Mon, 15 Jun 2026 05:00:00 GMT</pubDate>
      <guid>https://testing.horizonbank.com/about/advice/debit-card-monitoring-with-instant-text-alerts</guid>
      <dc:date>2026-06-15T05:00:00Z</dc:date>
      <dc:creator>Horizon Bank</dc:creator>
    </item>
    <item>
      <title>Balancing Fun and Finances | Horizon Bank</title>
      <link>https://testing.horizonbank.com/about/advice/balancing-fun-and-finances-this-summer</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/balancing-fun-and-finances-this-summer" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/fun-and-finances-2026-advice-1.png" alt="Balancing Fun and Finances | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Summer is a great time to relax, travel, and enjoy longer days, but spending can add up quickly. A little planning can help you enjoy the season without straining your budget.&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/balancing-fun-and-finances-this-summer" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/fun-and-finances-2026-advice-1.png" alt="Balancing Fun and Finances | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Summer is a great time to relax, travel, and enjoy longer days, but spending can add up quickly. A little planning can help you enjoy the season without straining your budget.&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=50566962&amp;amp;k=14&amp;amp;r=https%3A%2F%2Ftesting.horizonbank.com%2Fabout%2Fadvice%2Fbalancing-fun-and-finances-this-summer&amp;amp;bu=https%253A%252F%252Ftesting.horizonbank.com%252Fabout%252Fadvice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Personal Finance</category>
      <pubDate>Tue, 26 May 2026 05:00:00 GMT</pubDate>
      <guid>https://testing.horizonbank.com/about/advice/balancing-fun-and-finances-this-summer</guid>
      <dc:date>2026-05-26T05:00:00Z</dc:date>
      <dc:creator>Horizon Bank</dc:creator>
    </item>
    <item>
      <title>VA Loans Explained: Benefits, Eligibility, and Building Equity | Horizon Bank</title>
      <link>https://testing.horizonbank.com/about/advice/va-loans-explained-benefits-eligibility-and-building-equity</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/va-loans-explained-benefits-eligibility-and-building-equity" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/va-woman-with-family-1.png" alt="VA Loans Explained: Benefits, Eligibility, and Building Equity | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&amp;nbsp;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/va-loans-explained-benefits-eligibility-and-building-equity" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/va-woman-with-family-1.png" alt="VA Loans Explained: Benefits, Eligibility, and Building Equity | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&amp;nbsp;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=50566962&amp;amp;k=14&amp;amp;r=https%3A%2F%2Ftesting.horizonbank.com%2Fabout%2Fadvice%2Fva-loans-explained-benefits-eligibility-and-building-equity&amp;amp;bu=https%253A%252F%252Ftesting.horizonbank.com%252Fabout%252Fadvice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Home Advice</category>
      <pubDate>Tue, 26 May 2026 05:00:00 GMT</pubDate>
      <guid>https://testing.horizonbank.com/about/advice/va-loans-explained-benefits-eligibility-and-building-equity</guid>
      <dc:date>2026-05-26T05:00:00Z</dc:date>
      <dc:creator>Horizon Bank</dc:creator>
    </item>
    <item>
      <title>Beware of Bank Spoofing Scams Targeting Consumers | Horizon Bank</title>
      <link>https://testing.horizonbank.com/about/advice/beware-of-bank-spoofing-scams-targeting-consumers</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/beware-of-bank-spoofing-scams-targeting-consumers" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/thinkbeforeyoushare_may26_sensibleadvice-2.jpg" alt="Beware of Bank Spoofing Scams Targeting Consumers | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Scammers are using increasingly advanced tactics to impersonate banks and steal money from consumers. The FBI has warned about a rise in “&lt;a href="https://www.fdicoig.gov/call-spoofing-scams" class="speedbump"&gt;bank spoofing&lt;/a&gt;” calls, where fraudsters manipulate caller ID technology to make it appear as though your bank is calling.&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/beware-of-bank-spoofing-scams-targeting-consumers" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/thinkbeforeyoushare_may26_sensibleadvice-2.jpg" alt="Beware of Bank Spoofing Scams Targeting Consumers | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Scammers are using increasingly advanced tactics to impersonate banks and steal money from consumers. The FBI has warned about a rise in “&lt;a href="https://www.fdicoig.gov/call-spoofing-scams" class="speedbump"&gt;bank spoofing&lt;/a&gt;” calls, where fraudsters manipulate caller ID technology to make it appear as though your bank is calling.&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=50566962&amp;amp;k=14&amp;amp;r=https%3A%2F%2Ftesting.horizonbank.com%2Fabout%2Fadvice%2Fbeware-of-bank-spoofing-scams-targeting-consumers&amp;amp;bu=https%253A%252F%252Ftesting.horizonbank.com%252Fabout%252Fadvice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Security Center</category>
      <pubDate>Thu, 21 May 2026 05:00:00 GMT</pubDate>
      <guid>https://testing.horizonbank.com/about/advice/beware-of-bank-spoofing-scams-targeting-consumers</guid>
      <dc:date>2026-05-21T05:00:00Z</dc:date>
      <dc:creator>Horizon Bank</dc:creator>
    </item>
    <item>
      <title>IRS Scams Are Evolving | Horizon Bank</title>
      <link>https://testing.horizonbank.com/about/advice/irs-scams-are-evolving-how-to-stay-one-step-ahead</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/irs-scams-are-evolving-how-to-stay-one-step-ahead" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/tax-scams-2026-advice-2.png" alt="IRS Scams Are Evolving | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Tax season brings an increase in scams, but they can happen at any time of the year. Scammers use emails, texts, phone calls, and social media to try to steal your personal information or money. By impersonating the &lt;a href="https://www.irs.gov/help/tax-scams/recognize-tax-scams-and-fraud" class="speedbump"&gt;IRS&lt;/a&gt; or offering misleading tax advice, these fraudsters are becoming more sophisticated. &lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/irs-scams-are-evolving-how-to-stay-one-step-ahead" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/tax-scams-2026-advice-2.png" alt="IRS Scams Are Evolving | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Tax season brings an increase in scams, but they can happen at any time of the year. Scammers use emails, texts, phone calls, and social media to try to steal your personal information or money. By impersonating the &lt;a href="https://www.irs.gov/help/tax-scams/recognize-tax-scams-and-fraud" class="speedbump"&gt;IRS&lt;/a&gt; or offering misleading tax advice, these fraudsters are becoming more sophisticated. &lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=50566962&amp;amp;k=14&amp;amp;r=https%3A%2F%2Ftesting.horizonbank.com%2Fabout%2Fadvice%2Firs-scams-are-evolving-how-to-stay-one-step-ahead&amp;amp;bu=https%253A%252F%252Ftesting.horizonbank.com%252Fabout%252Fadvice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Security Center</category>
      <pubDate>Fri, 10 Apr 2026 05:00:00 GMT</pubDate>
      <guid>https://testing.horizonbank.com/about/advice/irs-scams-are-evolving-how-to-stay-one-step-ahead</guid>
      <dc:date>2026-04-10T05:00:00Z</dc:date>
      <dc:creator>Horizon Bank</dc:creator>
    </item>
    <item>
      <title>Spring Saving Ideas for 2026 | Horizon Bank</title>
      <link>https://testing.horizonbank.com/about/advice/plant-your-money-spring-saving-ideas-for-2026</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/plant-your-money-spring-saving-ideas-for-2026" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/savings-2026-advice-2.png" alt="Spring Saving Ideas for 2026 | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Spring is a season of growth, and that includes your finances. Just like planting seeds, the money you set aside now can grow into bigger rewards later. One of the smartest ways to do this is with &lt;a href="https://testing.horizonbank.com/personal/certificates-of-deposit"&gt;Certificates of Deposit&lt;/a&gt;&lt;strong&gt; (CDs) and &lt;/strong&gt;&lt;a href="https://testing.horizonbank.com/personal/money-market-accounts"&gt;Money Market Accounts&lt;/a&gt;&lt;strong&gt; (MMAs).&lt;/strong&gt;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/plant-your-money-spring-saving-ideas-for-2026" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/savings-2026-advice-2.png" alt="Spring Saving Ideas for 2026 | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Spring is a season of growth, and that includes your finances. Just like planting seeds, the money you set aside now can grow into bigger rewards later. One of the smartest ways to do this is with &lt;a href="https://testing.horizonbank.com/personal/certificates-of-deposit"&gt;Certificates of Deposit&lt;/a&gt;&lt;strong&gt; (CDs) and &lt;/strong&gt;&lt;a href="https://testing.horizonbank.com/personal/money-market-accounts"&gt;Money Market Accounts&lt;/a&gt;&lt;strong&gt; (MMAs).&lt;/strong&gt;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=50566962&amp;amp;k=14&amp;amp;r=https%3A%2F%2Ftesting.horizonbank.com%2Fabout%2Fadvice%2Fplant-your-money-spring-saving-ideas-for-2026&amp;amp;bu=https%253A%252F%252Ftesting.horizonbank.com%252Fabout%252Fadvice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Personal Finance</category>
      <pubDate>Fri, 27 Mar 2026 05:00:00 GMT</pubDate>
      <guid>https://testing.horizonbank.com/about/advice/plant-your-money-spring-saving-ideas-for-2026</guid>
      <dc:date>2026-03-27T05:00:00Z</dc:date>
      <dc:creator>Horizon Bank</dc:creator>
    </item>
    <item>
      <title>Smart Ways to Use Your Tax Refund | Horizon Bank</title>
      <link>https://testing.horizonbank.com/about/advice/smart-ways-to-use-your-tax-refund</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/smart-ways-to-use-your-tax-refund" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/tax-refund-advice-2.png" alt="Smart Ways to Use Your Tax Refund | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Are you getting a refund this year? If so, this financial boost offers a perfect opportunity to enhance your financial well-being. Whether you're saving for the future or tackling debt, there are many smart ways to make the most of your refund. Consider these options:&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/smart-ways-to-use-your-tax-refund" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/tax-refund-advice-2.png" alt="Smart Ways to Use Your Tax Refund | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Are you getting a refund this year? If so, this financial boost offers a perfect opportunity to enhance your financial well-being. Whether you're saving for the future or tackling debt, there are many smart ways to make the most of your refund. Consider these options:&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=50566962&amp;amp;k=14&amp;amp;r=https%3A%2F%2Ftesting.horizonbank.com%2Fabout%2Fadvice%2Fsmart-ways-to-use-your-tax-refund&amp;amp;bu=https%253A%252F%252Ftesting.horizonbank.com%252Fabout%252Fadvice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Personal Finance</category>
      <pubDate>Mon, 16 Mar 2026 05:00:00 GMT</pubDate>
      <guid>https://testing.horizonbank.com/about/advice/smart-ways-to-use-your-tax-refund</guid>
      <dc:date>2026-03-16T05:00:00Z</dc:date>
      <dc:creator>Horizon Bank</dc:creator>
    </item>
    <item>
      <title>What to Do With Your Coin Jar Before Pennies Fade Away | Horizon Bank</title>
      <link>https://testing.horizonbank.com/about/advice/what-to-do-with-your-coin-jar-before-pennies-fade-away</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/what-to-do-with-your-coin-jar-before-pennies-fade-away" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/penny-phaseout-advice-2.png" alt="What to Do With Your Coin Jar Before Pennies Fade Away | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;With the &lt;a href="https://www.usmint.gov/news/media-kit/penny?srsltid=AfmBOoomABc9tQSbfBEh0y8_aevnl7ZFguFgLd0QfRWlyiL73QJZSxl2#accordion-021891a14e-item-a72653be9c" class="speedbump"&gt;penny phaseout&lt;/a&gt; approaching, many people are wondering what this change means for the loose change around their home. While pennies may soon play a smaller role in everyday transactions, the jars, bowls, and drawers filled with spare coins still hold real value. Now is a good time to decide what to do with them.&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/what-to-do-with-your-coin-jar-before-pennies-fade-away" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/penny-phaseout-advice-2.png" alt="What to Do With Your Coin Jar Before Pennies Fade Away | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;With the &lt;a href="https://www.usmint.gov/news/media-kit/penny?srsltid=AfmBOoomABc9tQSbfBEh0y8_aevnl7ZFguFgLd0QfRWlyiL73QJZSxl2#accordion-021891a14e-item-a72653be9c" class="speedbump"&gt;penny phaseout&lt;/a&gt; approaching, many people are wondering what this change means for the loose change around their home. While pennies may soon play a smaller role in everyday transactions, the jars, bowls, and drawers filled with spare coins still hold real value. Now is a good time to decide what to do with them.&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=50566962&amp;amp;k=14&amp;amp;r=https%3A%2F%2Ftesting.horizonbank.com%2Fabout%2Fadvice%2Fwhat-to-do-with-your-coin-jar-before-pennies-fade-away&amp;amp;bu=https%253A%252F%252Ftesting.horizonbank.com%252Fabout%252Fadvice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Personal Finance</category>
      <pubDate>Mon, 26 Jan 2026 06:00:00 GMT</pubDate>
      <guid>https://testing.horizonbank.com/about/advice/what-to-do-with-your-coin-jar-before-pennies-fade-away</guid>
      <dc:date>2026-01-26T06:00:00Z</dc:date>
      <dc:creator>Horizon Bank</dc:creator>
    </item>
    <item>
      <title>Common Tax Mistakes and How to Avoid Them | Horizon Bank</title>
      <link>https://testing.horizonbank.com/about/advice/common-tax-mistakes-and-how-to-avoid-them</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/common-tax-mistakes-and-how-to-avoid-them" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/common-tax-mistakes-2026-2.png" alt="Common Tax Mistakes and How to Avoid Them | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Filing taxes can be stressful, and even small mistakes can lead to delays, penalties, or missed deductions. Being aware of common errors can help you file accurately and confidently. Here are some of the most frequent tax mistakes and tips to avoid them:&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://testing.horizonbank.com/about/advice/common-tax-mistakes-and-how-to-avoid-them" title="" class="hs-featured-image-link"&gt; &lt;img src="https://testing.horizonbank.com/hubfs/Imported_Blog_Media/common-tax-mistakes-2026-2.png" alt="Common Tax Mistakes and How to Avoid Them | Horizon Bank" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Filing taxes can be stressful, and even small mistakes can lead to delays, penalties, or missed deductions. Being aware of common errors can help you file accurately and confidently. Here are some of the most frequent tax mistakes and tips to avoid them:&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=50566962&amp;amp;k=14&amp;amp;r=https%3A%2F%2Ftesting.horizonbank.com%2Fabout%2Fadvice%2Fcommon-tax-mistakes-and-how-to-avoid-them&amp;amp;bu=https%253A%252F%252Ftesting.horizonbank.com%252Fabout%252Fadvice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Personal Finance</category>
      <pubDate>Mon, 12 Jan 2026 06:00:00 GMT</pubDate>
      <guid>https://testing.horizonbank.com/about/advice/common-tax-mistakes-and-how-to-avoid-them</guid>
      <dc:date>2026-01-12T06:00:00Z</dc:date>
      <dc:creator>Horizon Bank</dc:creator>
    </item>
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