How do I improve my credit score? | F&M Trust Money Moves How do I improve my credit score? Money Moves Savings Community Buying a Home College When you have a good credit score, you can get better terms and lower interest rates on loan products and credit cards. But it’s not always easy to just…

How Secure is Social Security? | F&M Trust Money Moves How Secure is Social Security? Money Moves Community Retirement Starting a Family Is Social Security actually secure? If not, what should be done to fix it and who bears the cost? A review of recent headlines makes this a question worth…

How do I open my first account? | F&M Trust Money Moves How do I open my first account? Money Moves Savings Community Starting a Family Have you been keeping all your money in your wallet or in a jar on your dresser? Well, those aren’t exactly the safest places to store your hard-earned cash.…

The basics of health saving accounts | F&M Trust Money Moves The basics of health saving accounts Money Moves Savings Community Starting a Family Minimizing out-of-pocket medical expenses is tough when you have a high-deductible health plan, but a health savings account can help. With a health…

Pay off debt by utilizing your home’s equity | F&M Trust Money Moves Pay off debt by utilizing your home’s equity Money Moves Community Buying a Home Selling a Home Savings Starting a Family Credit card debt and average credit card rates have reached record highs, and many consumers find…

How you give is as important as what you give | F&M Trust Money Moves How you give is as important as what you give Money Moves Savings Community Retirement When significant assets are involved, did you know that how you give is just as important as what you give? With the right financial approach …

Frugality is a valuable financial tool | F&M Trust Money Moves Frugality is a valuable financial tool Money Moves Savings Community Frugal living discussions often talk about pinching pennies or stretching a dollar. “A penny saved is a penny earned,” or so the saying goes, but is that true? What…

Should I consider buying pet insurance? | F&M Trust Money Moves Should I consider buying pet insurance? Money Moves Savings Starting a Family Community Everyone loves their pets. And despite our best efforts to keep them safe, injuries and serious illnesses sometimes occur. Vet bills for treatment …

What is PMI and do I need it? | F&M Trust Money Moves What is PMI and do I need it? Money Moves Community Buying a Home Starting a Family When planning to purchase a home, you might have heard that you likely will have to pay something called PMI. This is private mortgage insurance, and it…

Choosing the right self-employed retirement plan | F&M Trust Money Moves Choosing the right self-employed retirement plan Money Moves Retirement Community Savings Starting a Family You are self-employed and enjoy a certain amount of freedom. But that doesn’t give you an excuse to skip out on…

What does America’s credit downgrade mean? | F&M Trust Money Moves What does America’s credit downgrade mean? Money Moves Community Savings Buying a Home On August 1, Fitch Ratings, one of the three primary credit rating agencies, downgraded the United States’ long-term credit rating from AAA to…

How to spot and prevent financial abuse | F&M Trust Money Moves How to spot and prevent financial abuse Money Moves Retirement Savings Community Each year, millions of senior citizens are victimized by financial fraud or theft of money, property, or valuable personal information. Often, an adult…

Plan for the future when leaving your job | F&M Trust Money Moves Plan for the future when leaving your job Money Moves Community Savings Starting a Family So, you’ve decided to leave your job. You’re excited for a new opportunity, but what does the change in employment mean for health insurance,…

Student loans have a variety of repayment options | F&M Trust Money Moves Student loans have a variety of repayment options Money Moves Savings Community Starting a Family College More than 43.6 million borrowers have student loan debt, both federal and private. If you are among them, here are…

Five tips to help save money for holiday shopping | F&M Trust Money Moves Five tips to help save money for holiday shopping Money Moves Savings Community Starting a Family December is here, and if you haven’t already, you will soon be shopping for Christmas gifts. Studies show that 53% of people…