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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: Elizabeth LaPerle

August 7th, 2019

What is a Mortgage Rate Lock & How Does it Work?

Homebuying and Mortgages | Credit and Debt

If you’re buying a house, you want to get the best deal possible, which means you want the lowest interest rates—the lower your interest rates are, the less you’ll pay over the life of the loan. Buying a house can take a while, though, and in the time it takes you to find the house and go through the buying process, interest rates could rise or fall significantly.

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By: Alicia White

August 2nd, 2019

How to Pay for College Using Your Home's Equity

Homebuying and Mortgages | Saving and Budgeting | Investing in the Future

If you’re a parent, you may find that as the school year gets closer, figuring out a game plan to pay for college gets more overwhelming by the day. For most, funding education from a savings alone is not an option.

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By: Brian Bristow

July 23rd, 2019

The Skinny on Financial Advisor Fees & Commissions

Investing in the Future

If you have a financial advisor, it’s important to understand how he or she is charging you and how that affects your investments and the advice you receive. Not all advisors charge in the same way, and how they charge has an impact on the type of relationship you have with your advisor.

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By: Laurie Fielder

July 20th, 2019

Hiking Tips and Tricks for Enthusiastic Beginners

Learn Something New | Lifestyle

I love to exercise outdoors, especially in the summer. I’m not much of a runner or biker. I like to walk, but I get bored on my typical route. Hiking gives me the complete experience—lots of exercise, views, fresh air, sunshine, companionship, and a sense of challenge and accomplishment. I’ve hiked all my life, starting as a little girl on Mount Mansfield’s Sunset Ridge Trail, the Tetons in Wyoming in 1990, and the Hunger and Elmore Mountain trails in central Vermont in the last couple of decades.

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By: Michelle "Shelly" Duprey

July 9th, 2019

What is Private Mortgage Insurance?

Homebuying and Mortgages

Private mortgage insurance (PMI), mortgage insurance (MI), private MI—these are all different names for one insurance product, which I’ll refer to as PMI for the purposes of this article. PMI is required when you take out a home loan with a down payment that is less than 20% of the purchase price or appraisal value, whichever is lower.

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By: Kathy Town

July 2nd, 2019

Cycling for a Cause—a Case for Sports Philanthropy

Learn Something New | Lifestyle

Like many people, I want to give to others, but I don’t have a lot of time and I don’t have a lot of money. Fortunately, I love athleticism and I have found that nearly all races are tied to a charity. I learned about this connection at an important juncture in my life and I want to share my story with you because it is this connection that allows me to make a real and positive difference in people’s lives.

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By: Heidi White

June 25th, 2019

How to Travel on a Budget

Saving and Budgeting | Learn Something New

My daughter is in college, so for the past couple of years I’ve struggled to pull together the funds for a vacation. This year is even more of a struggle because I had to pay for some significant repairs to my home and my car. I know I’m not the only one in this situation, so I thought I’d share what I’ve learned how to travel on a budget while still having a fantastic vacation.

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By: Paul Lesure

June 19th, 2019

Take Advantage of this VT Solar Incentive Before July 1

Changes are coming to Vermont’s net metering incentives for solar.  Currently, all new solar customers receive a three-cent solar adder for all the energy their array produces. Customers who register their solar system on or after July 1, 2019 will lose one cent for every kilowatt hour of energy their array generates. This one cent is a portion of a state net-metering incentive (often referred to as an adder), which has been in place since 2011. The adder, which is offered for the first 10 years of a new solar system’s life, will be reduced from three cents to two cents. If you are considering purchasing a solar system, this is your cue to register your system now.

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