How to Calculate a Raise

by Rachel Gray @ Payroll Tips, Training, and News

Wed Mar 14 05:10:09 PDT 2018

Employees have money on their minds. According to a Gallup poll, 59% of employees were not completely satisfied with their current pay. And, one SHRM survey found that 44% of respondents said they would leave their job to make more money elsewhere. To avoid losing their top employees, many businesses offer pay raises. Learn why employee […]

The post How to Calculate a Raise appeared first on Payroll Tips, Training, and News.

How To Use FMB’s Mobile Deposit

by Lindsey Rickman @ Farmers & Merchants Bank

Thu Feb 01 01:00:43 PST 2018

New Branch in Pasadena is NOW OPEN!

by Brian Ellis @ Texas Bay Credit Union

Wed Sep 30 15:15:13 PDT 2015

Sept. 30, 2015 – We are excited to bring you a new branch in Pasadena. The original branch was replaced by a beautiful, full-service facility on the same property in Pasadena on Monday, August 10, 2015. The new branch includes an open-concept floor plan with natural light, a community room, and designed to be energy-efficient. […]

The post New Branch in Pasadena is NOW OPEN! appeared first on Texas Bay Credit Union.

Getting Out of Debt: You Can Do It and Here’s How to Get Started

by Liz Oliver @ LRRCU

Thu Jan 18 03:41:02 PST 2018

Most goals or resolutions that people set for themselves are neglected within a few weeks. It’s likely that this happens because people set far-reaching goals for themselves and then lose momentum when they don’t see results right away. A perfect example of this is the financial goal that many people set for themselves: getting out […]

The post Getting Out of Debt: You Can Do It and Here’s How to Get Started appeared first on LRRCU.

Safe Online Banking: For You & Your Money

by Kara Vincent @ LRRCU

Mon Mar 26 13:44:22 PDT 2018

From 24/7 account access to quick and easy bill paying, online banking offers members a convenient way to handle their finances. However, the rise of technology also brings an increase in potential hackers, scams, and fraud cases. Whether you’re looking to shield your small business or family’s finances, there are many strategies to stay vigilant […]

The post Safe Online Banking: For You & Your Money appeared first on LRRCU.

10 Smart Ways to use your Tax Refund

by Lindsey Rickman @ Farmers & Merchants Bank

Thu Feb 08 06:18:32 PST 2018

10 Smart Ways to Use Your Tax Refund Few things brighten up a dull, cold winter like a tax refund. In 2013, the average tax refund was $2,744. While we’re only human and most of us want to splurge a little with our refund, careful money management for the majority of your refund is a […]

April is Community Banking Month

by Lindsey Rickman @ Farmers & Merchants Bank

Sat Mar 24 02:00:48 PDT 2018

Governor Nathan Deal Proclaims April as Community Banking Month April is Community Banking Month and the Community Bankers Association of Georgia and community banks across Georgia are recognizing the unique spirit that makes community banks the foundation of their communities in cities and towns throughout the state. Annually, community bankers across the country have come […]

3 Tips to get yourself fiscally fit in 2018

by Lindsey Rickman @ Farmers & Merchants Bank

Thu Dec 28 01:30:44 PST 2017

10 Tips to Get Fiscally Fit The Winter of 2018 is upon us, and for many of us that will mean more indulging and less physical activity. Maybe you are savoring the waning warm days of a Southern December, trying to tone up your body before the urge to hibernate sets in.  It’s the same […]

Attention Online Banking Customers

by Lindsey Rickman @ Farmers & Merchants Bank

Tue Apr 11 13:42:33 PDT 2017

On May 1, 2017, Farmers and Merchants Bank will be rolling out an entirely new internet banking experience. We have rebuilt our internet services from the ground up and added several new features such as new and improved Bill Payment, eStatements, Mobile Banking, and Mobile Deposits.  As an existing internet banking user, you will be […]

Answers to 18 Payroll Questions You Are Dying to Ask

by Rachel Gray @ Payroll Tips, Training, and News

Mon Mar 05 05:10:18 PST 2018

For some business owners, running payroll might be like learning a foreign language. You are a master of your business idea, not the administrative responsibilities that come with it. Because you might not be familiar with these responsibilities, you might have some payroll questions. Payroll questions and answers When you become an employer, you need […]

The post Answers to 18 Payroll Questions You Are Dying to Ask appeared first on Payroll Tips, Training, and News.

Holiday Shopping Tips for Your Spending Personality

by Kara Vincent @ LRRCU

Mon Nov 20 10:19:45 PST 2017

Although 41% of consumers report starting their holiday shopping in October or even earlier (Wow! Good for you!), an estimated 69% of Americans will shop over the Thanksgiving weekend. Early research from the National Retail Federation shows that the 2017 season will be a big deal, with holiday spending forecasted to be near $680 billion, up almost 4% […]

The post Holiday Shopping Tips for Your Spending Personality appeared first on LRRCU.

What You Need to Know About a Qualifying Life Event

by Rachel Gray @ Payroll Tips, Training, and News

Mon Mar 12 05:10:40 PDT 2018

Employees have a window of time each year to sign up for certain types of employer-sponsored insurance. Although this open enrollment period takes place at the end of each year for all employees, an employee can add or remove coverage at any time of the year if they have a qualifying life event. What is […]

The post What You Need to Know About a Qualifying Life Event appeared first on Payroll Tips, Training, and News.

A Look at Federal, State, and Local Minimum Wages

by Mike Kappel @ Payroll Tips, Training, and News

Wed Mar 21 05:30:00 PDT 2018

You can’t just pay your employees any amount you want. You must follow federal, state, and local laws that set minimum wages. What is minimum wage? Minimum wage is the lowest amount you can pay an employee per hour of work. You can pay more than the minimum wage, but you should never pay less […]

The post A Look at Federal, State, and Local Minimum Wages appeared first on Payroll Tips, Training, and News.

How To Be Financially Smart At Any Age

by Kara Vincent @ LRRCU

Thu Aug 31 08:18:27 PDT 2017

  As you go through the stages of life what it means to be “financially smart” will change. A smart financial move when you’re approaching your 40s is not the same as a smart financial move for a 19-year-old in college. At 40, there are more things to consider when making decisions about your money, […]

The post How To Be Financially Smart At Any Age appeared first on LRRCU.

Successfully Plan for Holiday Shopping on a Budget [Downloadable Budget Sheet]

by Kara Vincent @ LRRCU

Wed Nov 15 04:02:02 PST 2017

‘Tis the season to be jolly! ‘Tis the season for the gifts, decorations, family, friends, and children on their best behavior. ‘Tis the season for overloaded shopping bags, impulse buying, and credit card bills. Wait! That doesn’t sound as cheery. In 2016, according to a survey conducted by The American Research Group Inc., Americans spent […]

The post Successfully Plan for Holiday Shopping on a Budget [Downloadable Budget Sheet] appeared first on LRRCU.

Debit Card Upgrade

by Lindsey Rickman @ Farmers & Merchants Bank

Sat Apr 15 01:30:38 PDT 2017

Debit Card Upgrade A New Farmers & Merchants Bank Debit Card! Farmers & Merchants Bank has partnered with Fiserv to give you a debit card with enhanced security features, additional payment options and exceptional benefits. Why are you replacing my card? Farmers & Merchants Bank is dedicated to providing you with the highest level of […]

Should You Offer a Nonqualified Deferred Compensation Plan?

by Mike Kappel @ Payroll Tips, Training, and News

Mon Mar 26 05:10:00 PDT 2018

You know employees like employer-sponsored benefits. As an employer, offering benefits is advantageous for your business, too. A nonqualified deferred compensation plan is one type of benefit that both you and your employees can enjoy. Find out what a nonqualified deferred compensation plan is, why you might consider offering it, and how to set it […]

The post Should You Offer a Nonqualified Deferred Compensation Plan? appeared first on Payroll Tips, Training, and News.

What Is an FEIN?

by Mike Kappel @ Payroll Tips, Training, and News

Mon Feb 26 05:10:00 PST 2018

When you run a business, you must meet many IRS requirements. You might need an FEIN to identify your business on documents like payroll tax forms. What does FEIN mean? What is an FEIN? FEIN is an acronym for Federal Employer Identification Number, also known as an EIN. This unique, nine-digit number is used by […]

The post What Is an FEIN? appeared first on Payroll Tips, Training, and News.

Are You Ready for Retirement?: Essential Information on IRAs and 401(k)s

by Kara Vincent @ LRRCU

Tue Aug 22 03:05:44 PDT 2017

While you’re young, you may not be thinking about saving for retirement. You’re probably more focused on paying off student loan debt, searching for a job, or buying a house. But, starting to save for your financial future early will only benefit you in the long run. Start your retirement planning as early as you can. Think […]

The post Are You Ready for Retirement?: Essential Information on IRAs and 401(k)s appeared first on LRRCU.

Store Credit Cards, Balance Transfers & More: Make the Smart Money Decision

by Liz Oliver @ LRRCU

Fri Oct 13 08:55:31 PDT 2017

Every day we’re faced with making decisions about our money. What feels like a smart money choice in the moment may have repercussions in the future. You might be tempted to save money on a purchase now only to have your credit score suffer.  You might choose to delay payments on a big ticket item […]

The post Store Credit Cards, Balance Transfers & More: Make the Smart Money Decision appeared first on LRRCU.

Do You Know About the 2017 Tax Filing Extension?

by Liz Oliver @ LRRCU

Thu Mar 15 02:14:14 PDT 2018

The date April 15 is probably as quickly recognizable to most Americans as July 4 or December 25. Traditionally recognized as Tax Day, it’s the deadline for filing your previous year’s tax return.  With one month to go, you may be feeling the pressure and scrambling to get the task completed in the remaining days.  But […]

The post Do You Know About the 2017 Tax Filing Extension? appeared first on LRRCU.

Financing A New Home: Answering Homebuyer Questions

by Kara Vincent @ LRRCU

Mon Mar 12 07:40:38 PDT 2018

Finding the perfect new home can be hard work, but now you also have to navigate the mortgage financing process. There are many questions that arise when it comes to financing a new home. Below we’re answering four questions about financing a new home that homebuyers commonly ask. 1. Should I Be Pre-Qualified or Pre-Approved? […]

The post Financing A New Home: Answering Homebuyer Questions appeared first on LRRCU.

September is Childhood Cancer Awareness Month

by Lindsey Rickman @ Farmers & Merchants Bank

Wed Sep 07 08:01:37 PDT 2016

Childhood Cancer is the #1 disease killer of children. More than asthma, cystic fibrosis, diabetes & pediatric AIDS – COMBINED! 46 children and adolescents are diagnosed every single week day 1 in every 330 children develop cancer before age 19 – it is NOT rare. 1 in every 5 children diagnosed with cancer dies. The […]

Correcting Employment Taxes: What to Do If You Withhold the Wrong Amount

by Rachel Gray @ Payroll Tips, Training, and News

Wed Feb 28 05:10:52 PST 2018

It’s easy to make mistakes, especially when you have a million and one things on your plate. One error you could make is deducting the wrong amount from employee wages. Correcting employment taxes is necessary if you withhold too much or too little from your employees’ paychecks. This article provides an overview of employment taxes […]

The post Correcting Employment Taxes: What to Do If You Withhold the Wrong Amount appeared first on Payroll Tips, Training, and News.

Will the Courts Accept a Jury Duty Excuse Letter If You’re in a Pinch?

by Rachel Gray @ Payroll Tips, Training, and News

Mon Mar 19 05:10:23 PDT 2018

Sometimes, you or your employees’ personal responsibilities conflict with your business. For many small businesses, if you miss work or lose an employee for an extended period of time, there can be harmful effects on productivity in the workplace. But if you or an employee are called in for jury duty, you might not have […]

The post Will the Courts Accept a Jury Duty Excuse Letter If You’re in a Pinch? appeared first on Payroll Tips, Training, and News.

What Does Pay Frequency Mean?

by Michele Bossart @ Payroll Tips, Training, and News

Wed Feb 21 05:10:38 PST 2018

When you have employees, you need to run payroll so they can receive their wages. Before paying employees, you need to decide on a pay frequency. Your industry, the number of employees you have working for you, the type of workers you have, and legal requirements determine your pay frequency. But first, what does pay […]

The post What Does Pay Frequency Mean? appeared first on Payroll Tips, Training, and News.

4 Financial Resolutions To Start Any Day of the Year [Downloadable Family Budget Worksheet]

by Kara Vincent @ LRRCU

Thu Dec 28 00:09:30 PST 2017

Who says resolutions have to start on New Year’s Day?  Get yourself started whatever day you feel inspired.  Here are few important financial goals that you can begin whether it’s January 1, August 1 or a random Tuesday in November. #1: Look at the Financial Big Picture – Use Our Family Budget Worksheet You feel […]

The post 4 Financial Resolutions To Start Any Day of the Year [Downloadable Family Budget Worksheet] appeared first on LRRCU.

Consult This Employee Termination Checklist to Keep Things Running Smoothly

by Rachel Gray @ Payroll Tips, Training, and News

Wed Mar 07 05:10:00 PST 2018

Employees leave companies every day to pursue growth opportunities, accommodate personal lives, or experience change. As an employer, you hope employees won’t leave your business, but you know this is wishful thinking. When an employee resigns, you need to know what to do. The average annual overall turnover rate is 19%, according to SHRM. If […]

The post Consult This Employee Termination Checklist to Keep Things Running Smoothly appeared first on Payroll Tips, Training, and News.