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    Save Smarter

    Men and women share similar goals for retirement: security, a comfortable lifestyle, time with family, and hopefully a nice vacation here or there. But, the journey toward that goal can differ for women, who need to take into account a few unique factors including lifespan, lifetime earnings, and a traditionally more conservative approach to investing.

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    College Talk

    How to get your degree without all the debt. Article courtesy of Member One Federal Credit Union American college grads now collectively owe about $1.5 trillion in student loans—and nearly two-thirds of that debt is held by women. While it’s true that more women than men are now attending college, on a student-per-student basis, women are borrowing more than men—and may face a harder time paying that debt off, given the gender wage gap that continues to exist. College can still be a good investment in your future, but the less borrowed the better. Here’s what you, or the college-bound young woman in your life, can do to help minimize…

  • Featured,  Mind•Body•Soul

    Love, Soulmates & Chemistry

    Why you are the only one who can write your formula for success. Written by SUSAN SPARKS  I wrote something this morning for a media interview and I immediately thought to myself, “Wow, I have to write about this and I have to talk about this, like RIGHT NOW.” So many of us, like me, are serious romantics in life. We think about things like love, soulmates, and chemistry. When I fell in love with my husband at age 21, I was sure that he was my soulmate. In fact I had no doubt.  So this morning I’m writing up some notes for a media interview and I am being…

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    Save Smarter: Get Financially Fit for 2019

    Make these four financial resolutions now to start your year off strong.  Presented by Member One Federal Credit Union It’s January and the gyms are full—we hope you’re making good progress on your new year’s wellness resolutions so far. But there’s another type of fitness you should also be focusing on at the start of 2019: your financial fitness. Flex your money muscles for the new year with these goals.  1. Strengthen your savings. If you don’t currently have an emergency savings fund—or you do but it’s looking a bit scrawny—this needs to be a top priority. Many financial experts recommend stashing three to six months’ worth of necessary expenses…

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    Planning for the Future

    Vector Space takes knowledge & skills beyond the classroom. “When will I ever use this as an adult?” Sound familiar? Maybe you said it to your own parents years ago. Maybe you’re hearing it echoed from your child now. It’s not an easy question to answer, especially when the devices we carry in our pockets do a lot of our thinking for us. Students, like their parents, are increasingly relying on cell phones and tablets to discover, create, and enjoy groundbreaking innovations. Unfortunately, even as technology advances, educational opportunities for middle and high school students have struggled to keep up throughout the country.  In Lynchburg, the folks behind Vector Space…

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    Keep the “Happy” in Your Happy Holidays

    Savvy Tips for Stress-free Seasonal Spending Article courtesy of Member One Federal Credit Union It’s the most wonderful time of the year—and for many of us, it’s also the most expensive. We’re here to help with tips for maximizing the festivities while minimizing the financial frustration this holiday season.  Use credit sensibly. Starting the new year with new debt is enough to make a Scrooge out of anyone. If you’re going to put your seasonal spending on a credit card, you need a plan in place to pay it off quickly. That means setting a shopping limit and sticking to it, as well as budgeting money each month to pay…

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    Profile: Peacock Soap Company

    Beyond the Gift The unique origins of locally-owned Peacock Soap Company Written by Hayleigh Worgan To celebrate her 10-year anniversary, Kristie Paxton and her husband spent a week driving along the west coast. One night, they found themselves at a cute, very hospitable, Bed and Breakfast in Oregon. The owners had one room left to offer the Southwest Virginia couple, and it had a bathtub, but no shower. “They felt so guilty about it that they stocked the room with soaps and lotions,” Kristie recalls. “They didn’t really sell them, but they allowed me to purchase some. I brought them home, used them up, and requested more.” Soon after, Kristie decided…

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    Save Smarter

    Money Master or Financially Challenged? Presented by Member One Federal Credit Union With the inevitable uptick in holiday spending in sight, it’s high time to check in on your money management know-how. Many people might think they have a solid grasp of their finances, but there are certain key pieces you should have in place to truly be considered a financial pro. Below are five checkpoints to help determine if you’re really the money guru you think you are. You’re aware of your income and expenses. If you track how much money is coming in and going out each month, consider yourself a smart money manager. Failing to be in…