Shopping for a home is an exciting, emotional, and often hectic process. When it comes time to secure the mortgage, you want to be working with a lender that is right for you and your specific situation. With the number of online lenders, mortgage brokers and banks of all sizes, choosing one can seem overwhelming. […]
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With the new year, many of us have committed ourselves to changing the way we live for the better. One of the most important improvement areas is banking. This year, make your personal finance, saving and investing a top priority. Getting financially fit is a lofty goal and it can be an overwhelming task. Many […]
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Online shopping is increasingly popular, particularly during the holidays. Its convenience is unmatched with 24/7 access and the ability to research, review and compare before you click. Although generally safe, it’s good to do your part to ensure you don’t have your debit or credit card compromised or provide sensitive information to the wrong party. […]
Read More Every now and then, a trick can draw a bit of glee (especially during Halloween). But no one likes to have the wool pulled over their eyes, especially when it’s a wolf disguised in sheep’s clothing. That’s why Farmers & Merchants Bank focuses on the “treats” that distinguish us as trusted lenders and keep our […]
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It used to be that convenient banking was a drive through lane or an ATM. Then the advent of digital and online services changed banking dramatically. But even with time saving technology and 24-hour accessibility, Farmers and Merchants Bank believes personal relationships are just as important today as they were in the days of teller […]
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Managing money is one of the most significant life lessons parents can teach their children. Instilling the value of budgeting, saving, and spending wisely sets your child up for future success in handling their finances. Let’s look at some ways to introduce good money habits to children. Basic Banking Opening a child’s first bank account […]
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It’s 4-H season with county fairs wrapping up or getting underway around the state. Now is a great time to recognize just a few of the valuable benefits of this outstanding 120-year-old organization. Youth Development First and foremost, 4-H is America’s largest youth development organization with an estimated 6 million members. It’s built to cultivate […]
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As interest rates remain near record lows, the popular refrain is that “it’s time to refinance.” But is it the right decision for you? Let’s look at some of the benefits of refinancing right now. Lower Interest Rate Paying less in interest is always the goal when borrowing money. So the first thing to look […]
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Home equity is often a homeowner’s most valuable asset. The difference between your mortgage balance and the appraised value of one’s home offers potential access to funds. A portion of a home’s equity can be used to borrow money as a line of credit or home equity loan providing the homeowner an opportunity to fund […]
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Getting a clear picture of your household financial situation is always a good strategy. But getting it done can be challenging, particularly in an uncertain economic climate. The best way to manage your money (and hang on to more of it) is by creating and following a budget. It opens your eyes to your cash […]
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