Main Menu

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: Alicia White

January 25th, 2018

Should I Get a Home Equity Loan or Line of Credit?

As you pay down the mortgage on your home, the equity you build becomes an asset you can use to secure a loan or a line of credit. You can use the loan or line of credit to make home improvements (including energy efficiency upgrades), consolidate debt, make a large purchase, pay off school loans, cover retirement expenses, or more. Because home equity loans and credit lines are secured by your house, you can get a much lower interest rate than you would if you took out an unsecured loan or used your credit card for the expense.

Read More

By: Brian Bristow

January 9th, 2018

The Pros and Cons of Roth IRA Conversions

Investing in the Future | Saving and Budgeting

If you have money in a traditional IRA, it is worthwhile to think about converting it to a Roth IRA. Not all people will benefit from Roth IRA conversions, but it’s good to consider the pros and cons to determine the best option for you. Here’s what you need to know.

Read More

By: Heidi White

December 27th, 2017

A Holiday Volunteer Story and How to Make Your Own

Learn Something New | Lifestyle

When I was a little girl, my mother often took me to see a woman named Maisie. She was an older, Native American woman—hunched from age, one tooth remaining in an otherwise empty mouth. Wise and thoughtful, Maisie became a quick friend and when she died a year or so after I met her, I was heartbroken. She was the first major death in my life.

Read More

By: Brian Bristow

December 20th, 2017

Retirement Plan Contribution Limits to Rise in 2018

Investing in the Future | Saving and Budgeting

Thanks to inflation, the federal government has increased the annual contribution limits and phase-out ranges on some of the most popular qualified retirement plans. This is a great shift, allowing you to save more in your workplace retirement account in 2018.

Read More
6 Tips for Improving Your Credit Score

Cultivate and Maintain an Excellent Credit Score

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

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.

Read More

By: David Tepfer

December 7th, 2017

Want to Play Monopoly? Try a Friendlier Game.

Lifestyle | Cooperatives | Learn Something New | Youth and Finances

If you’ve played the board game Monopoly, you have probably experienced the heated arguments, flipped boards, and endless play time that normally comes with it. But what you may not know about Monopoly is these horrible experiences we have are all part of the game.

Read More

By: Thomas White

November 28th, 2017

How to Keep Your Credit Card Safe over the Holidays

Identity and Fraud Protection

Criminals love the holiday season. Why? Because it gives them more opportunities to steal credit card information. They do this at the register, by phone, and even at the gas station. Fraudsters have many techniques for committing card fraud. This article will outline some of their techniques and give you some tips for how to keep your credit card safe over the holidays.  

Read More

By: Bonnie Palmer

November 22nd, 2017

Buy Local on Small Business Saturday

Business Development | Lifestyle

Do you know that the Saturday after Thanksgiving is Small Business Saturday? And that when you buy from a Vermont vendor, you keep money in our state and support our local economy? While Small Business Saturday is a great chance to get out there and support your local stores, but don't forget—you can buy local every day of the year. 

Read More

Don’t leave without your free eBook

leadmagnetImageALT

Cultivate and Maintain an Excellent Credit Score

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

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!