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31

Financial Steps to Take Before Buying a Car

Think about the effort it takes to search for the right new car and to negotiate the lowest price. Here are a few things to consider while looking for the best financing option. Think about the effort it takes to search for the right new car and to negotiate the lowest price. Unless you plan […]

33

6 Smart Ways to Travel Cheaply

Memorable vacations can come with a price tag you’d rather forget. But with proper planning, smart research and a flexible attitude, you can travel cheaply and still have an experience worth remembering. Here’s how. Memorable vacations can come with a price tag you’d rather forget. But with proper planning, smart research and a flexible attitude, […]

34

How to Avoid Pay Day Loan Fraud

The bank has noticed an upswing in this type of fraud and would like to help educate our customers as to how this occurs, and what you can do to protect yourself or a loved one from such a scam. โ€œPay dayโ€ loan fraud is a new trend our bank is seeing where customers apply […]

35

How Much 20-Somethings Should Save

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 […]

36

5 Ways to Protect Your Small Business from Account Fraud

Protect Your Small Business from Account Fraud Corporate account takeover is a type of fraud where thieves gain access to a businessโ€™ finances to make unauthorized transactions, including transferring funds from the company, creating and adding new fake employees to payroll, and stealing sensitive customer information that may not be recoverable. F&M Bank recommends following […]

37

Clean Up Your Credit Score

Whether youโ€™re preparing to apply for a loan or reeling after a credit application rejection, if you are looking to improve your credit, you arenโ€™t alone. According to Experian, about 30% of adults have scores of less than 670โ€”the standard minimum for a conventional home loan approval. The good news is that credit scores are […]

38

Understanding Inflation as a Small Business Owner

When it comes to inflation, small businesses are more vulnerable to the challenges of rising prices than larger companies. Not only does it increase your cost of doing business; it may also deter your customers from spending as much as they usually would. Itโ€™s important to know that youโ€™re not alone as a small business […]

40

Eleven Things to Keep in Mind in a Crazy Market

Keeping your cool can be hard to do when the market goes on one of its periodic roller-coaster rides. It’s useful to have strategies in place that prepare you both financially and psychologically to handle market volatility. Here are 11 ways to help keep yourself from making hasty decisions that could have a long-term impact […]