In the VSECU Blog you'll find financial and lifestyle resources to help empower possibilities for your personal success.
There are many reasons why working after retirement might appeal to you. You may want to keep your mind active or stay socially active. You may just need more money to support your lifestyle. Either way, post-retirement work can affect your Social Security benefits. So, if you’re thinking of retiring soon or are already retired, here’s what you need to know before you settle into another job.
Make an impact through values-based banking The term banking is used to describe the act of using your money for your own financial well-being. It could be saving money in a bank account, paying bills in online banking, or borrowing money for a home, vehicle, or for some other purpose.
How lenders view an unsecured debt ratio Think your good credit score is enough to help you get a loan? It may not be as adequate as you think if your unsecured debt ratio is high. Though most people have some level of unsecured debt, a high ratio of this type of debt is a red flag to lenders that you are not in a position to borrow more. Not sure what this means? Keep reading…
I am a passionate person, so I often have to rein in my emotions when making important decisions like buying a house. But you don’t have to be an overly intense person for your decisions to be influenced by emotion. In fact, it has long been known that emotions are the primary drivers behind human decision-making. Though our emotions can help us make quicker decisions based on past experiences, they can also get in the way of good decision-making by allowing us to sidestep our more analytic nature.
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So you’re thinking about commuting to work by bicycle? First of all, congratulations. Your life is about to get a zillion times more fun. And you’re going to save money and reduce your environmental impact! You probably have a bunch of questions about bike commuting gear, though.
On the homepage of their website, the Vermont Foodbank notes that “In Vermont, one in four people struggles with hunger.” That means that on any given day, you may pass by a handful of people who will go to bed hungry that night. You may even be one of those who are struggling.
Mr. Buble and many other artists sing “I’m dreaming of a debt free/less stressful Christmas!” Okay, I know it’s supposed to be “White Christmas.” And for us Vermonters, a white Christmas is bound to happen! But for most, the holidays bring more than wrapping paper, bows, and gift cards; it brings worry of being able to afford it all, which makes this a perfect time to start thinking about a Christmas savings plan.
We've started to experience some pretty chilly nights, and we all know what this means—the start of the heating season is upon us! Many Vermonters heat their homes with fuel oil, and know that this requires a storage tank that is owned by the fuel recipient, not the fuel dealer. In order to ensure that the tank is safe for the homeowner and the environment, Vermont fuel dealers are required to inspect a tank prior to the initial delivery of fuel to a new customer, and some new regulations for Vermont oil tanks are now in effect.