Even if saving has never been your thing and money is tight, the coming of a new year is an opportunity to change old financial habits. Here are some ways to become a more efficient saver. 1. Budget Budgeting helps you organize your finances so you have money left over to save each month. It […]
You're not the only one joyfully anticipating the holiday season. Cyber criminals are all aflutter, too, as they look forward to the killing they'll make ripping off innocent shoppers like you. Here are some of the most common ways these thieves operate, because awareness can help you avoid becoming yet another victim. Antisocial media Beware […]
Thanksgiving is a time to gather with loved ones for a satisfying meal and kick off the holiday season. If you pay current prices for your menu items, though, you could blow a chunk of your holiday budget before you even get to the pumpkin pie. Use these tips to keep your Thanksgiving festive and […]
Your 20s may seem like an odd time to think of retirement, but it’s actually the perfect moment to start planning for your later years. That’s because the earlier you start saving, the more time your money has to grow. Savers who begin setting aside 10% of their earnings at 25, for example, could amass […]
โChristmas in Julyโ is the name of a movie in which a man called Jimmy is tricked into believing he’s won $25,000 in a national radio contest. (It’s from 1940, but the point remains.) He promptly goes out and blows his winnings on a shopping spree. When the truth comes out that Jimmy didn’t win, […]
Homeowners might wonder whether it’s a good idea to tap their home equity, or the market value of the property minus what is still owed on it, to pay down other types of debt, especially high-interest credit card balances. Homeowners might wonder whether it’s a good idea to tap their home equity, or the market […]
Protect Your Identity Identity theft continues to be one of the fastest growing crimes in the United States. In 2014, there were 12.7 million victims of identity fraud in the U.S., according to Javelin Strategy and Research. F&M Bank recommends following these tips to keep your information โ and your money โ safe. Identity theft […]
Corporate account takeover is a form of fraud in which criminals access a company’s financial accounts to carry out unauthorized activities. Corporate account takeover is a type of fraud. Criminals gain access to a company’s financial accounts without permission. They can transfer funds, add fake employees, and steal customer data. Retrieving the stolen data can […]
Every day malicious cyber-actors compromise websites and post lists of usernames, email addresses, and passwords online. While this can be embarrassing, such as when thousands of government employees email addresses and passwords were exposed during the recent Ashley Madison breach, it also leaves users open to follow-on potential attacks due to password reuse. Every day […]
Password Self-Reset Instructions Anticipate Forgetting Your Password (PIN) It happens to many of us! But you can reset your Online Banking password yourself if you have forgotten it, or youโre not sure ifย you remember it correctly. Please note: If you try the incorrect password three times you will โlockโ your account and will need toย contact […]
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