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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.

By: Caroline Cross

August 7th, 2020

Teach Your Teen How to Use Their First Checking Account

Youth and Finances | Saving and Budgeting

A first checking account is a rite of passage. Many children have savings accounts opened in their names when they are born, but as your child gets older and develops, he or she will need a checking account to gain experience managing their money. As said by the character Benjamin Parker in Spider-Man, “With great power comes great responsibility.” A checking account can be a great responsibility, so it’s important that your teen knows how they work.

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By: Terence Field

July 30th, 2020

FAQ: What to Know and Expect about the Coronavirus Recession

Credit and Debt | Investing in the Future

When I began to consider writing about economic recession, the pandemic crisis was in its beginning stages and preparing for a recession was a largely theoretical conversation. Fast forward four months, and we are in a recession that surpasses the Great Recession of 2008. Downturns to both the state and national economies have caused a level of financial hardship most of us have never experienced—unless you were alive for the Great Depression from 1929 to 1941. Rather than heighten your concern or cause you despair, however, my goal is to answer some frequently asked questions and provide you with a framework to better understand the current economic recession and what we might expect moving forward.

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By: Blair Wolston

July 29th, 2020

Investing 101: How to Invest

Investing in the Future

For many, investing can come with baggage. People often make different associations with the term based on past experiences with parents, teachers, and friends. The portrayal of Wall Street culture in American cinema tends to portray a version of investing that quite possibly keeps a lot of would-be investors on the sidelines reading the financial news and wondering how the “wolves of Wall Street” keep finding fresh kills. Being a market-based investor is not just for the ultra-rich. It’s something nearly anyone with a job can do. It’s about setting goals, making a budget that includes investing, staying the course, and remaining disciplined to the basic principles of investing.

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By: Walter Lother

July 24th, 2020

How to Invest in a Crazy Market

Investing in the Future

The financial markets are experiencing unprecedented times. We have seen record-breaking ups and downs in a single day, and that trend will likely continue into the new year. These crazy market conditions can make even the most confident investors question their decisions. So, if you have investments in the market or are considering investing, here are some thoughts and tips on how to navigate these uncertain times. 

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By: Steve Timmons

July 23rd, 2020

Is that a Fake Check? How to Avoid Check Fraud

Identity and Fraud Protection

Check fraud is a criminal act in which one person convinces another to exchange real money or property for a bogus check. In many cases, the fraudster creates a sense of excitement and urgency, giving their victims very little time to think rationally. By the time the victim realizes what has happened, they may have lost thousands of dollars (maybe even more), with no way to recoup their losses.

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By: Thomas White

July 20th, 2020

How to Avoid Social Security Scams

Identity and Fraud Protection

According to the Social Security Administration (SSA), Americans have lost more than $50 million over the last two years to Social Security scams—and that’s just from telephone scams. Unfortunately, the telephone isn’t the only method used. Between October 1, 2018 and September 30, 2019, more than 450,000 Americans reported being contacted by Social Security scammers by phone, email, or even physical mail. To help you avoid becoming a victim, consider this your guide to what tactics are commonly used, what to look for if you’re being targeted, and what to do to avoid the growing number of Social Security scams.

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By: David Tepfer

July 16th, 2020

How to Use Spent Grain Left Over from Brewing

Saving and Budgeting | Learn Something New | Lifestyle

If you have ever tried or looked into the idea of brewing beer at home, you know all the great benefits. You can control the taste, carbonation, alcohol content, and character of what you drink; it makes a great last-minute gift; and by brewing at home, you are saving on cost and won’t have to recycle your own bottles. There is, however, one major drawback to home brewing—the high volume of leftover ingredients you have to deal with after every brew. These leftover ingredients are all the oats, wheat, barley, and other grains that are “spent” during the brewing process.

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By: Caroline Cross

July 10th, 2020

How to Teach Your Kids to Count and Identify Coins

Youth and Finances | Learn Something New

Nowadays, people make most of their purchases with plastic, so you may wonder if it’s worthwhile to teach your kids how to identify and count coins. The truth is, coins are still in use, particularly by kids, and knowing how to count them is an important, fundamental skill for children.

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