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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: Laurie Fielder

September 24th, 2019

Resources to Help Fund Your Home Energy Efficiency Improvements

Energy Savings | Saving and Budgeting | Investing in the Future

Home energy efficiency projects offer many benefits, including health and safety, comfort, structural durability, and energy savings. The money you save by making energy efficiency upgrades can help cover the costs of financing the improvements, making these a great investment from day one. To sweeten the deal, there are multiple programs, rebates, and discounts designed to make energy efficiency possible for people of most income levels. Here are some of the biggies:

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By: Heidi White

August 13th, 2019

National Financial Awareness Day: Focus on Finance

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

August 14 is National Financial Awareness Day—a good reminder to take personal stock of your financial awareness. What does it mean to be financially aware? Financial awareness is akin to financial literacy and both refer to the knowledge and skill sets that support solid financial decisions and overall financial health.

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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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6 Tips for Improving Your Credit Score

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By: Heidi White

March 7th, 2019

Women and Money: Finding Balance

Saving and Budgeting | Investing in the Future

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.

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By: Brian Bristow

March 5th, 2019

How to Overcome the Retirement Gender Pay Gap

Saving and Budgeting | Investing in the Future

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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By: Brian Bristow

February 26th, 2019

How to Invest in a Bear Market

Saving and Budgeting | Investing in the Future

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.

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By: Brian Bristow

January 23rd, 2019

How to Start Investing on a Low Budget

Investing in the Future

It’s a new year—the best time of year to set resolutions and goals. If you don’t have savings or are living on a low budget, the idea of setting an investment goal might feel uncomfortable, but remember that discomfort often comes with growth. This is the time to challenge yourself to not just survive the year financially, but to come out ahead in the end. Even if you don’t have a lot of money, this is possible. Here’s how.

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Cultivate and Maintain an Excellent Credit Score

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Cultivate and Maintain an Excellent Credit Score

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