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Financial and Lifestyle Resources for Vermont

VSECU Blog

In the VSECU Blog you'll find financial and lifestyle resources to help empower possibilities for your personal success.

Yvonne Garand

Yvonne Garand is our Senior Vice President of Marketing & Business Development. She is our guru for strategic planning, business and community development, corporate communications, branding, digital and traditional media, product development, and all areas of marketing operations.

By: Yvonne Garand

June 13th, 2018

How Emotion Can Thwart Your Investment Plans

Credit and Debt | Saving and Budgeting | Investing in the Future

Life experiences fall into three categories: cognitive (thoughts), emotional (feelings) and physical (physiology and actions). Though interconnected, one of these three has a disproportionately larger impact on your decision-making when it comes to finances—emotions. Emotions are volatile and can be stimulated by many triggers, whether it be a new raise, a death in the family, or fluctuating market conditions.

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By: Yvonne Garand

March 6th, 2018

What Should I Do with My Tax Refund?

Saving and Budgeting | Investing in the Future

Many taxpayers get excited when they discover that they will get a tax refund. In 2016, the average taxpayer refund was approximately $3,000. That’s a lot of money! So, if you're asking the question "what should I do with my tax refund?" consider these five smart moves.  

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By: Yvonne Garand

February 7th, 2018

Worried about Monday's Stock Market Decline? 

Saving and Budgeting | Investing in the Future

Stay Calm, Despite the Headlines You’ve probably heard the news. The market declined on Monday, February 5, with the Dow Jones Industrial Average losing 1,175 points to close at 24,325. The media touted it as the largest single-day point decline in stock market history. Though the headline is true, the overall pull-back amounted to a 4.6% decline. A true market correction is considered a drop of 10% or more, generally resulting in a decline between 10 and 20%. The media may have evoked fear that the market is failing, and that is not necessarily true.    

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By: Yvonne Garand

December 13th, 2017

A Year End Investment Checklist for Smart Investors

Saving and Budgeting | Investing in the Future

Looking for new ways to save money at tax time? Smart investors know that their portfolio is a powerful tool for balancing their annual income. To help you put your portfolio to work for you, we have created this year-end investment checklist, which is full of great ideas for leveraging your investments to lower your taxes and tune up your portfolio for the coming year.

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6 Tips for Improving Your Credit Score

Cultivate and Maintain an Excellent Credit Score

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By: Yvonne Garand

November 2nd, 2017

People, Planet, Profit—How Is Your Money Being Used?

Alternative Banking | Local Investing | Cooperatives | Learn Something New

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.  

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By: Yvonne Garand

October 25th, 2017

Why a Good Credit Score May Not Help You Get a Loan

Credit and Debt

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…

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By: Yvonne Garand

September 28th, 2016

Indirect IRA Rollovers - Reinvest Disbursed Funds

Saving and Budgeting | Investing in the Future

What to Do When You Receive Retirement Funds before Retirement If you receive a disbursement of funds from a benefits package or retirement fund before retirement age, you could be liable for taxes and penalties unless you act within a relatively small window of time.  Whether you are changing employers or have received an early disbursement of retirement funds for another reason, you can avoid loss if you know the rules.

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By: Yvonne Garand

February 22nd, 2016

The Gen-Xer's Guide to Retirement Saving

Saving and Budgeting | Investing in the Future

If you are a Gen-Xer, born between 1966 and 1975, retirement probably has you nervously eyeing your retirement account. According to a study conducted by The PEW Charitable Trusts, Gen-Xers were hit hard by the recession, losing nearly half (45%) of their wealth between 2007 and 2010. That is the bad news and it means you may have to work harder to save for retirement. The good news is that you still have time to save, and we have some guidance for you.

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Cultivate and Maintain an Excellent Credit Score

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Don’t leave without your free eBook

Cultivate and Maintain an Excellent Credit Score

Sign up for our blog and get Six Tips for Improving Your Credit Score free!