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. …

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…