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 …

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…