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How to Prepare an Effective Loan Proposal
How to Prepare an Effective Loan Proposal

How to Prepare an Effective Loan Proposal

May 16, 2022 / F&M Trust

Ideal candidates for business loans generate sufficient cash flow to cover loan payments; have a solid, long-term track record of meeting financial obligations; have financial reserves to weather unexpected downturns or setbacks; and have collateral to put up for security.…

Four Common Investment Misconceptions
Four Common Investment Misconceptions

Four Common Investment Misconceptions

April 20, 2022 / Warren Hurt

One of the biggest misconceptions I come across in the financial advice industry is that as you get older, you must reduce your allocation to stocks. While this philosophy might be grounded in some truth, it oversimplifies the reality.…

Beware of charity fraud scams
Beware of charity fraud scams

Beware of charity fraud scams

April 15, 2022 / Ray Wills

According to the AARP, Americans donated more than $470 billion to charity in 2020. Charity fraud is a type of imposter scam, the No. 1 source of fraud reported to the Federal Trade Commission. Fake charities try to take advantage of your generosity and compassion for others in need.…

How Digital Banking Tools Can Help Your Business
How Digital Banking Tools Can Help Your Business

How Digital Banking Tools Can Help Your Business

April 11, 2022 / F&M Trust

Digital banking has come a long way in recent years, and now it can offer many ways for you to stay on top of your business needs.…

How to use credit freezes and fraud alerts
How to use credit freezes and fraud alerts

How to use credit freezes and fraud alerts

March 31, 2022 / Ray Wills

The Keystone State ranked 29th in reported identity theft per 100,000 residents that year with nearly 34,000 Pennsylvanians claiming to be victims of the crime, according to the FTC. So, what can you do to reduce the risk of becoming a victim?…

5 Ways to Avoid an Overpayment Scam
5 Ways to Avoid an Overpayment Scam

5 Ways to Avoid an Overpayment Scam

March 25, 2022 / Ray Wills

Just remember that there is no legitimate reason for anyone to pay more than the accepted price. Never agree to forward money to someone you don’t know on behalf of a “buyer.” Even if the funds are real, you could be implicated in money laundering.…

Saving for Retirement: IRA Changes for 2022
Saving for Retirement: IRA Changes for 2022

Saving for Retirement: IRA Changes for 2022

March 25, 2022 / The Merrill Anderson Company

In 2019, Congress revisited the rules for qualified retirement plans and IRAs, with an eye toward boosting retirement savings. To that end, the age limit of 70½ for making a contribution to a traditional, deductible IRA was eliminated. However, one still must have “earned” income to make any IRA contribution – income from investments, pensions, gifts, and Social Security benefits does not count. …

How small-business owners can offer retirement plans
How small-business owners can offer retirement plans

How small-business owners can offer retirement plans

February 22, 2022 / Chris Moore

As a small-business owner, you want to make a workplace retirement plan available to your employees. But you know you don’t have the time or technical background to handle 401(k) administration. So, what do you do?…

Five basic benefits of working with a financial planner
Five basic benefits of working with a financial planner

Five basic benefits of working with a financial planner

February 16, 2022 / The Merrill Anderson Company

Thanks to the Internet and YouTube, doing it yourself has taken on a new life. For example, a young person we know was able to diagnose a problem with his clothes dryer, then order the key part and install it, thus saving the cost of an in-home repair. Information that once might have been hard to find outside of specialized publications has become accessible to everyone. But there are limits to self-empowerment. One area in which some people may be overconfident is financial management. There is more to financial planning than setting some goals and pinching some pennies.…

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