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Vicky Schram
Loan Originator
Cell: (575) 313-1222
Fax: (575) 956-9100
Email: Send Email
Financial News

Stay up to date with real-time financial news: (brought to you by CNN Money)

3 serious problems with the 4% retirement rule
Read full story for latest details.

The case for canceling all student debt
Researchers say that forgiving the $1.4 trillion of outstanding student debt could stimulate the economy while only moderately increasing the federal deficit.

Should I use my savings to pay off credit card debt?
She's been socking away savings and putting money toward retirement, but her $9,000 credit card debt is nagging at her.

The crucial role male mentors can play in the #MeToo era
After #metoo, a number of men have confessed they're more hesitant to mentor women.

New York City weddings cost $77,000
The average cost of a wedding was $33,391 last year, down 5% from 2016. But couples in New York city face much higher bills.

The newest ways to save together (that are actually age old)
Co-saving can be a powerful way to reach a group goal. Tracking your savings together or joining a saving circle, in which your contribution is being counted on by other people, can create accountability.

Where should you put your money if you think the market will crash?
It's impossible to know when the next crash will be. Create a mix of stocks and bonds that will limit the downside to something you can tolerate.

Calls for paid family leave are getting louder
The White House budget blueprint is calling for a paid family leave program for new parents.

Changes are coming to balance transfer credit cards
Looking to pay off credit card debt? The 0% window on balance transfer cards may be getting smaller.

Germans are getting over their cash addiction
Read full story for latest details.

After #MeToo, what men need to know about working with women
Joanne Lipman, the former chief content officer at Gannett, explains what men need to know about working with women in the wake of #MeToo.

3 reasons to retire as early as you can
Read full story for latest details.

The Equifax hack could be worse than we thought
The Equifax hack may have exposed more personal information of customers than previously thought.

These 3 ticking tax time bombs could destroy your retirement
Read full story for latest details.

What happens when you witness sexual harassment in the workplace
Sexual harassment doesn't only involve the victim and the harasser.

What's the right balance between retiring early and saving enough?
Finding the balance between both is tricky, and it's different for each person.

Home sellers are making huge profits. So why aren't more people selling?
It's the most profitable time to sell your home in more than a decade, so why aren't more home owners listing?

3 things you need to know about the 4% rule
The 4% rule is probably the best-known strategy for turning money in IRAs, 401(k)s and other retirement accounts into income you can count on for life.

The stock market is scary. But here's why you still should invest
The wild gyrations can be scary for individual investors, but that doesn't mean you should be spooked out of getting into the market.

Stock terms you're too embarrassed to ask about
Here are some terms you may not have heard if you're new to the market and you've only known stocks to rise.

Vicky Schram, Loan Originator NMLS #337603
VanDyk Mortgage Corporation NMLS# 3035
1625 Silver Heights Blvd, Silver City, NM  88061
Cell:  (575) 313-1222
Fax:  (575) 956-9100
vschram@vandykmortgage.com
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