Business owners can succeed with a personal touch | F&M Trust Money Moves Business owners can succeed with a personal touch Money Moves Community Studies show it costs business owners much less to keep an existing client than to pursue a new one. Some research suggests that a handful of very loyal …

How to avoid a phishing attack | F&M Trust Money Moves How to avoid a phishing attack Money Moves Community Perhaps you have heard people talk about phishing, but you don’t really understand what it is. Simply put, phishing refers to the act of trying to get personal information under false…

First time home buyer assistance through First Front Door | F&M Trust Money Moves First time home buyer assistance through First Front Door Money Moves Community Buying a Home Buying your first home can be one of the most exciting times in your life. It can also be among the most stressful, as you …

Required Minimum Distributions in 2023 | F&M Trust Money Moves Required Minimum Distributions in 2023 Money Moves Savings Retirement Community Some retirees received an unexpected present from Congress just before Christmas. The age at which Required Minimum Distributions (RMDs) from qualified…

With recession possible, should I review my portfolio? | F&M Trust Money Moves With recession possible, should I review my portfolio? Money Moves Retirement Community DEAR TRUST OFFICER: I’m worried that we might be looking at a recession in 2023. What do you think? Should I be doing something…

What is Inflation? | F&M Trust Money Moves What is Inflation? Money Moves Community Retirement Savings Buying a Home If you watch the news, you certainly have heard the word “inflation.” But what is it, and how does it affect the average consumer? The price of goods and services — what you buy —…

50/30/20 rule helps with budgeting | F&M Trust Money Moves 50/30/20 rule helps with budgeting Money Moves Savings Community College Buying a Home Humans are fallible, and sometimes we just need guidelines. If you struggle to make sense of a sea of budgeting systems and apps, consider the 50/30/20…

Soft landings require skill; Is the Fed instrument-rated? | F&M Trust Money Moves Soft landings require skill; Is the Fed instrument-rated? Money Moves Savings Community Retirement As an asset manager and instrument-rated pilot, the term “soft landing” has a different meaning to me than to other…

Is bundling insurance right for me? | F&M Trust Money Moves Is bundling insurance right for me? Money Moves Buying a Home Savings Community Starting a Family What do houses, cars, boats, and RVs have in common? They are all expensive investments that require insurance, and managing policies from…

How much do I need to save for retirement? | F&M Trust Money Moves How much do I need to save for retirement? Money Moves Retirement Community Savings Just about everybody looks forward to the day they can retire. Whether it’s mornings on the golf course, afternoons by the pool, or more time with…

Seven tips for buying your first house | F&M Trust Money Moves Seven tips for buying your first house Money Moves Savings Buying a Home Starting a Family Community So, you’re ready to buy your first house. Of course, you’re excited, but you’re also nervous because you don’t want to make a rookie…

How to safeguard access to your accounts | F&M Trust Money Moves How to safeguard access to your accounts Money Moves Savings Community Retirement Most people don’t think twice about making a purchase using their debit card, cell phone, or tablet. In fact, for some people, it’s a daily occurrence…

Is it time to refinance? | F&M Trust Money Moves Is it time to refinance? Money Moves Savings Community College Starting a Family Are you unhappy with the terms of your current mortgage? Would you like to pay off your auto, personal, or student loans at a different rate? If so, you might be a…

The cost of college life | F&M Trust Money Moves The cost of college life Money Moves College Savings Community It’s been a few months since high school graduation, and now that August is here, many young adults’ thoughts are turning to their freshman year of college – and what it is actually…

Don't be the victim of a texting scam | F&M Trust Money Moves Don't be the victim of a texting scam Money Moves Savings Community College Texting is cheap and easy, and scammers count on the ding of an incoming text being hard to ignore. In 2022, $330 million in losses to text scams were reported. …