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Financial and Lifestyle Resources for Vermont


In the VSECU Blog you'll find financial and lifestyle resources to help empower possibilities for your personal success.

By: Brian Bishop

November 30th, 2018

Mutual Funds, Simplified

Saving and Budgeting | Investing in the Future

Most people have heard of mutual funds, but many don’t know what they are. In this article, I’m going to break down mutual funds into their basic building blocks so you can understand what they are and begin to determine whether you should invest in one.

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By: Corinne Brochu

October 16th, 2018

Investing 101: How Does an IRA Work?

Investing in the Future

IRAs, or individual retirement accounts, have been used for many years as a means to reduce taxable income and save money for retirement. Monies placed into a traditional IRA are not subject to income taxes and continue to earn interest, which is also not taxed.

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By: Heidi White

July 10th, 2018

How to Calculate Your Debt Payoff

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

When you pay off debt, you open up options for yourself. You improve your cash flow, so you can stop living from paycheck to paycheck; you free up money so that you can buy the things you need and want to live a more productive and engaged life; and you put yourself in a position to save more money for a more comfortable retirement.

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By: Yvonne Garand

June 13th, 2018

How Emotions Can Thwart Your Investment Plans

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

Life experiences fall into three categories: cognitive (thoughts), emotional (feelings) and physical (physiology and actions). Though interconnected, one of these three has a disproportionately larger impact on your decision-making when it comes to finances—emotions. Emotions are volatile and can be stimulated by many triggers, whether it be a new raise, a death in the family, or fluctuating market conditions.

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6 Tips for Improving Your Credit Score

Cultivate and Maintain an Excellent Credit Score

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By: Mortgage Originators

May 1st, 2018

Eleven Steps to Buying a Home

Homebuying and Mortgages | Investing in the Future

If you’re buying a home, it's time to get organized! A home is one of the most expensive purchases you are likely to make in a lifetime and the homebuying process can be complicated. This is the time to decide what kind of home you want and what you need to do in order to buy it. So, take a moment to consider (and write down) the steps you’ll need to take in the months to come.

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By: Yvonne Garand

March 6th, 2018

What Should I Do with My Tax Refund?

Saving and Budgeting | Investing in the Future

Many taxpayers get excited when they discover that they will get a tax refund. In 2016, the average taxpayer refund was approximately $3,000. That’s a lot of money! So, if you're asking the question "what should I do with my tax refund?" consider these five smart moves.  

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By: Yvonne Garand

February 7th, 2018

Worried about Monday's Stock Market Decline? 

Saving and Budgeting | Investing in the Future

Stay Calm, Despite the Headlines You’ve probably heard the news. The market declined on Monday, February 5, with the Dow Jones Industrial Average losing 1,175 points to close at 24,325. The media touted it as the largest single-day point decline in stock market history. Though the headline is true, the overall pull-back amounted to a 4.6% decline. A true market correction is considered a drop of 10% or more, generally resulting in a decline between 10 and 20%. The media may have evoked fear that the market is failing, and that is not necessarily true.    

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By: Brian Bristow

January 9th, 2018

The Pros and Cons of Roth IRA Conversions

Saving and Budgeting | Investing in the Future

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.

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