This Is Worth Saving
We all know we should save money. Some of us even have something we’re saving for. But if the statistics are right, most of us aren’t doing a very good job at it. The thing is, it’s not even hard once you have a plan. And we’ve got a few simple tips to help you get started. A budget is worth its weight in gold. Saving money starts with knowing how much you can save—and that means you need a budget. Be realistic about your monthly expenses. It’s better to overestimate them. Then earmark an amount from what you have…
One drawing. Two winners.
At a recent conference of, what else, independent bankers, our CEO, James Smith, won a brand new four-wheel ATV. The moment has even been preserved for history here. So, what did James do? He donated it to the Poudre Valley Learning Center. Now, you’ve got to ask yourself, “Why would James give away a sweet new four-wheeler?” Well, we did one better: We asked him. FMS Bank: How did you win? Was it a contest of skill? Strength? Good looks? James: Fortunately, it was a drawing. I wouldn’t have done so well in those other contests. FMS Bank: Why did…
Say “Hello” to HELOC.
A HELOC is a Home Equity Line Of Credit. Basically, that means it’s a line of credit secured by the equity you have in your home. With home prices going up, you may have more equity than you realize. Wanna Make Something Of It? You can use a HELOC in a variety of ways, from making home improvements to consolidating debt to covering medical expenses. HELOCs are flexible. They also allow you to draw on your line of credit on an as-needed basis. Points Of Interest Before you take out a HELOC, you should know that many HELOCs offer variable…
Turns out you can put a price on love.
According to the FBI, victims of romance scams lost over $600 million last year. So how can you tell the difference between dating and defrauding, and what can you do to protect yourself? We’re here to help. As friends, of course. Speed Dating vs. Too Speedy Dating Relationships take time to progress. They don’t go from, “Nice to meet you” to “Add me to your financial accounts” in a matter of weeks. If someone is moving too fast or you feel pressured, it should raise some red flags. At the very least, you’ve got to ask yourself if you really…