Farmers & Merchants State Bank News http://fm.bank/about-us/blog/ Most Recent - Farmers & Merchants State Bank Blog en-US 2019-03-21T01:53:30How young workers should prioritize retirement<p>The way things work in much of the developed world, including the U.S., most young adults struggle to plan very far in advance. Forget your friend's birthday next month - too many people in their ...http://fm.bank/about-us/blog/how-young-workers-should-prioritize-retirement2018-07-03T02:39:00http://fm.bank/about-us/blog/how-young-workers-should-prioritize-retirement New entrepreneur? Why it's critical to separate personal and business checking accounts<p>There are roughly&nbsp;<a href="http://www.statisticbrain.com/new-business-statistics/">26 million businesses currently operating in the U.S.</a>, and in any given year, half a million new ...http://fm.bank/about-us/blog/new-entrepreneur-why-it-s-critical-to-separate-personal-and-business-checking-accounts2018-06-22T12:00:00http://fm.bank/about-us/blog/new-entrepreneur-why-it-s-critical-to-separate-personal-and-business-checking-accounts The Lifecycle of a Community Bank<p>&nbsp;If you&rsquo;ve ever participated in career day at a local elementary school, you&rsquo;ll probably relate to this story. A banking colleague visits her son&rsquo;s kindergarten class and ...http://fm.bank/about-us/blog/the-lifecycle-of-a-community-bank2018-04-12T08:24:00http://fm.bank/about-us/blog/the-lifecycle-of-a-community-bank When good things go bad: Lessons in personal finance<p>Counting receipts and doing monotonous arithmetic isn't the average person's idea of a good time. But even the simple act of compiling your month's bills and taking 10 minutes to map out your ...http://fm.bank/about-us/blog/when-good-things-go-bad-lessons-in-personal-finance2018-03-28T02:21:00http://fm.bank/about-us/blog/when-good-things-go-bad-lessons-in-personal-finance Transitioning into retirement: What to know about spending in your golden years<p>For the number of Americans sailing off into retirement this year, many will have concrete financial plans in place that detail exactly how they intend to withdraw funds and ensure they don't ...http://fm.bank/about-us/blog/transitioning-into-retirement-what-to-know-about-spending-in-your-golden-years2017-11-03T03:53:00http://fm.bank/about-us/blog/transitioning-into-retirement-what-to-know-about-spending-in-your-golden-years Household savings rate hits 9-year low: What that means<p></p> <p></p> <p>Though the U.S. economy has proven resilient for the better part of a decade and consumers have made steady, if marginal, wage gains, new research suggests that the average American...http://fm.bank/about-us/blog/household-savings-rate-hits-9-year-low-what-that-means2017-10-06T12:59:00http://fm.bank/about-us/blog/household-savings-rate-hits-9-year-low-what-that-means Remember this about home improvement loans<p>Ever asked yourself, "What is a&nbsp;<a href="https://fm.bank/loans/home-loans/home-improvement-loans.html">home improvement loan</a>, and what can it be used for?" If you have, you're likely in ...http://fm.bank/about-us/blog/remember-this-about-home-improvement-loans2017-09-22T05:07:00http://fm.bank/about-us/blog/remember-this-about-home-improvement-loans Regret not saving for retirement sooner? You're not alone<p>About three-quarters of Americans admit to having some form of financial regret. Unsurprisingly "not saving for retirement early enough" topped the list of Bankrate's recent survey of&nbsp;<a href=...http://fm.bank/about-us/blog/regret-not-saving-for-retirement-sooner-you-re-not-alone2017-08-29T05:54:00http://fm.bank/about-us/blog/regret-not-saving-for-retirement-sooner-you-re-not-alone 4 simple ways to cut expenses without becoming a hermit<p>Like most people, you probably often think of creative schemes to save money. But it's not always necessary to overturn every stone of your budget looking for hidden savings.</p> <p>There are ...http://fm.bank/about-us/blog/4-simple-ways-to-cut-expenses-without-becoming-a-hermit2017-08-10T06:40:00http://fm.bank/about-us/blog/4-simple-ways-to-cut-expenses-without-becoming-a-hermit Farmers & Merchants Bancorp, Inc. (Nasdaq: FMAO) to Ring The Nasdaq Stock Market Opening Bell<p>On Wednesday, July 26<sup>th</sup> Farmers &amp; Merchants Bancorp, Inc. will celebrate our listing on the Nasdaq Exchange. In honor of the occasion, Paul Siebenmorgen, President &amp; CEO, will ...http://fm.bank/about-us/blog/farmers-merchants-bancorp-inc-nasdaq-fmao-to-ring-the-nasdaq-stock-market-opening-bell2017-07-24T07:06:00http://fm.bank/about-us/blog/farmers-merchants-bancorp-inc-nasdaq-fmao-to-ring-the-nasdaq-stock-market-opening-bell 6 signs you're ready for homeownership - and your wallet is too!<p>Buying a home is one of those milestones most Americans look forward to. And homeownership in general confers a number of benefits in the form of potential tax deductions, growing equity in a large...http://fm.bank/about-us/blog/6-signs-you-re-ready-for-homeownership-and-your-wallet-is-too2017-06-22T03:30:00http://fm.bank/about-us/blog/6-signs-you-re-ready-for-homeownership-and-your-wallet-is-too Don't fall into these 3 personal finance traps<p>On any given day, you've probably done some quick math in your head to justify a new purchase. While crunching the numbers, you also run through a series of questions that you likely already know ...http://fm.bank/about-us/blog/don-t-fall-into-these-3-personal-finance-traps2017-06-02T02:44:00http://fm.bank/about-us/blog/don-t-fall-into-these-3-personal-finance-traps Why banks (including yours) are moving to .bank domains<p>For many years, financial services industry leaders, regulators and banking associations have worked to improve customer experience and develop a way to connect with the larger global community ...http://fm.bank/about-us/blog/why-banks-including-yours-are-moving-to-bank-domains2017-05-16T06:10:00http://fm.bank/about-us/blog/why-banks-including-yours-are-moving-to-bank-domains Reduce homeownership costs with these 5 fixes<p>Owning a home is expensive with a mortgage, insurance, maintenance costs and expensive utility bills.&nbsp;</p> <p>So consider making these five&nbsp;home fixes to help you cut energy usage and ...http://fm.bank/about-us/blog/reduce-homeownership-costs-with-these-5-fixes2017-05-05T05:44:00http://fm.bank/about-us/blog/reduce-homeownership-costs-with-these-5-fixes How to set up Apple Pay and Android Pay<p>In a recent blog post, we provided all the information you need to know about Apple Pay and Android Pay, two mobile payment services.</p> <p>But before you start paying with your phone, you'll need...http://fm.bank/about-us/blog/how-to-set-up-apple-pay-and-android-pay2017-04-07T05:21:00http://fm.bank/about-us/blog/how-to-set-up-apple-pay-and-android-pay How to avoid overspending on your wedding<p>You don't want to put a price tag on love, but when getting married you must also be mindful of your bank account. Here are some ways you can plan the wedding of your dreams without breaking the ...http://fm.bank/about-us/blog/how-to-avoid-overspending-on-your-wedding2017-02-15T12:00:00http://fm.bank/about-us/blog/how-to-avoid-overspending-on-your-wedding 6 ways to have fun and remain on a budget<p>More often than not, hanging out with friends and family involves spending a decent amount of money. If you're strapped for cash, it can be difficult to socialize.</p> <p>Instead of ignoring ...http://fm.bank/about-us/blog/6-ways-to-have-fun-and-remain-on-a-budget2017-02-02T12:00:00http://fm.bank/about-us/blog/6-ways-to-have-fun-and-remain-on-a-budget 5 budgeting tips for the new year<p>Part of your New Year's resolution is to save money. But how exactly do you go about that?</p> <p>It all starts with a budget.</p> <p>With the calendar turned to 2017, follow these six tips to help...http://fm.bank/about-us/blog/5-budgeting-tips-for-the-new-year2016-12-29T12:00:00http://fm.bank/about-us/blog/5-budgeting-tips-for-the-new-year 4 ways to save more money in 2017<p>If you're looking for a 2017 resolution, make saving more money a priority.</p> <p>You'll need to remain committed to your resolution.&nbsp;Here are four ways you can save more money in 2017:</p> ...http://fm.bank/about-us/blog/4-ways-to-save-more-money-in-20172016-12-19T12:00:00http://fm.bank/about-us/blog/4-ways-to-save-more-money-in-2017 5 tips to make the most of your holiday shopping<p>Holiday shopping may seem easy in theory, but in practice, it can be more difficult if you don't have a shopping plan.</p> <p>Before you head out to the store, it's in your best interest to ...http://fm.bank/about-us/blog/5-tips-to-make-the-most-of-your-holiday-shopping2016-12-14T12:00:00http://fm.bank/about-us/blog/5-tips-to-make-the-most-of-your-holiday-shopping Kick-start your savings by exploring your account options<p>Saving for retirement is a necessity for every&nbsp;individual, as&nbsp;the money you save today will support you throughout your golden years. Your monthly Social Security payments likely&nbsp;...http://fm.bank/about-us/blog/kick-start-your-savings-by-exploring-your-account-options2016-04-20T12:00:00http://fm.bank/about-us/blog/kick-start-your-savings-by-exploring-your-account-options