Business Identity Theft Can Be Costly to Victims | F&M Trust Money Moves Business Identity Theft Can Be Costly to Victims Money Moves Community While personal identity theft is widely recognized and has a long history, business identity theft can also be very costly to victims, and the threat…

Don't let scammers steal your heart and money | F&M Trust Money Moves Don't let scammers steal your heart and money Money Moves Community The epidemic of financial fraud shows no sign of abating. Perhaps the saddest example is the “romance scam.” Reportedly some 30% of Americans have tried online…

Protecting Your Business Debit Card | F&M Trust Money Moves Protecting Your Business Debit Card Money Moves Community While debit cards can offer advantages to small businesses, they need to be protected carefully because business debit cards lack most of the legal safeguards limiting the…

How to Protect Yourself After a Data Breach | F&M Trust Money Moves How to Protect Yourself After a Data Breach Money Moves Community When it comes to account security, many of us make a common mistake: We reuse passwords. When a hacker gets into a company’s database, they gain access to personal…

Stabilizing Your Business' Cash Flow | F&M Trust Money Moves Stabilizing Your Business' Cash Flow Money Moves Community Securing your business cash flow is a lot more tangible than growing money on trees. Without proper cash flow management, you couldn’t afford to pay the utility bill to water…

Social Security COLA Increase is Biggest Since 1981 | F&M Trust Money Moves Social Security COLA Increase is Biggest Since 1981 Money Moves Community Savings Retirement The Social Security Administration has announced an 8.7% benefit increase for 2023, based upon inflation for the 12 months ending …

Lease vs Buy: Which is Better for My Business? | F&M Trust Money Moves Lease vs Buy: Which is Better for My Business? Money Moves Community Savings Equipment, vehicles, facilities – large-ticket items are just one type of expense a business owner will have to manage. Coupled with hidden fees, such …

Why the IRS is still catching up | F&M Trust Money Moves Why the IRS is still catching up Money Moves Community Savings The effect of the Covid-19 pandemic upon supply chains and prices has been much commented upon. Less well known is that the pandemic caused the development of a major backlog at…

Why entrepreneurs find it hard to ask for help | F&M Trust Money Moves Why entrepreneurs find it hard to ask for help Money Moves Savings Community If you are a business owner, chances are pretty good that you are independent. You try to do everything yourself, but the truth of the matter is you…

Charitable Giving; A donor-advised fund offers tax benefits | F&M Trust Money Moves Charitable Giving; A donor-advised fund offers tax benefits Money Moves Savings Retirement Community Taxpayers generally welcomed the rough doubling of the standard deduction in the 2017 tax reform legislation. One …

Mortgage tips for first time home buyers | F&M Trust Money Moves Mortgage tips for first time home buyers Money Moves Savings Community Buying a Home Starting a Family Buying a home for the first time is one of the most meaningful experiences in your life. But finding the home is just one step in…

Annual Big Game Predictor 2023 | F&M Trust Money Moves Annual Big Game Predictor 2023 Money Moves Savings Retirement Once again, it’s time to roll out the much-anticipated Super Bowl Stock Market Forecast. As some of you might remember, Robert Stovall, an equity analyst for EF Hutton, published a…

Investing Retirement Funds in Bitcoin Seen as Risky | F&M Trust Money Moves Investing Retirement Funds in Bitcoin Seen as Risky Money Moves Retirement Community Savings In 2022, Fidelity Investments made news with the announcement that they would make investing in the digital currency Bitcoin one…

Inflation and Interest Rates in 2023 | F&M Trust Money Moves Can inflation be contained and are higher interest rates here to stay? Money Moves Retirement Savings Community It has become clear that inflation is not as “transitory” as the Federal Reserve originally believed. In reaction to…

Are you ready to be an entrepreneur? | F&M Trust Money Moves Are you ready to be an entrepreneur? Money Moves Community College Entrepreneurs launching new businesses must recognize and understand their own strong points and limitations to compete in a crowded market. Learning to play to strengths …