In the VSECU Blog you'll find financial and lifestyle resources to help empower possibilities for your personal success.
How many times have you sat in a meeting and made a suggestion or a statement that gets you a few nonchalant head nods; then a man in the room makes the same suggestion and receives a round of applause and support? How many times have you been engaged in conversation with a group of men and realized nobody is making eye contact with you anymore and the men have created a bond that you just can’t infiltrate, so you sit quietly, shrink, and settle for observing after several attempts to engage? How many times have you been asked a question by a man, which you answer, and then the questioner bypasses your gaze to check in with another man for the “real answer”? How many times have you heard, “just get to the point”? If you’re a woman, I am confident you can relate.
Homeowners have what seems like a never-ending list of need-to-do and want-to-do home improvement projects. From regular maintenance and repairs to protect your home’s value, to bathroom updates or additions to potentially increase value. The reality is that all renovations and repairs cost money and there is some serious time and planning involved if you want the project done right.
The idea of leading a balanced life is not a new idea. We are more fulfilled when we achieve balance in all areas our life, including our work, personal relationships, family, and finances.
The gender pay gap has been a topic of conversation and concern for years. Statistically, women make about 80 cents for every dollar earned by a man (20% less). Once they hit 65, they tend to make about 25% less than men and make increasingly less than men as they age. There are a lot of reasons for the gender pay gap, which we won’t get into here, but the sad truth is that the gap continues into retirement, leaving women with a lower retirement income than men.
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For most of us mere mortals, saving money is difficult at best. It’s easy to begin with the best of intentions only to give up due to forgetfulness, frustration, or exhaustion. To help you get started and keep going, here are three sets of creative ideas for saving money on a tight budget. The first set will help you get going. The second set will keep you motivated. The third set will help ensure long-term success.
There’s no denying that the markets have become more turbulent. In fact, the major market indexes in the United States entered a bear market on Christmas Eve of 2018. In a bear market, prices for stocks and other securities fall, which can lead investors to panic and sell off their securities. As more and more people sell, securities prices continue to fall. In general, a bear market will eventually come to an end, hopefully leading to a bull market that brings the markets back up to their former glory, but in the meantime, your portfolios, mutual funds, IRAs, 401ks, and other securities-based accounts may lose value. Determining how to invest in a bear market can help protect your investments from the long-term effects of stormy markets.
How to Find a Great Deal You have made the decision to purchase a used car, but you’re not sure where to begin. You know you want something that will last a long time and you know you don’t want to pay too much (which is why you’re buying second-hand). But how do you find that winning combination of long life expectancy and low cost in a vehicle you can enjoy driving? When it comes to used cars, there are three keys to finding a great deal: knowing your needs and limitations, eliminating damaged and unsafe vehicles, and finding affordable financing options.
What’s the secret to saving money? Use less money than you make! Saving money is really quite simple, and yet many people struggle to do it. Instead, we tend to use credit to make purchases and end up paying high interest rates on our debt. Why is it so hard to save? Because in order to achieve any goal, you need a plan. With savings, the plan is called a budget.