PeoplesBank Post
November 2015
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Shop Smarter This Holiday Season
How to overcome the post-holiday shopping financial hangover

It’s the most wonderful time of the year—time to celebrate the holidays with family and friends. But that also means having to buy a wealth of gifts. And, especially around the holidays, people find themselves making some financial mistakes when it comes to shopping, whether that means overspending, waiting until the last minute to purchase gifts or not doing their homework on prices. And all of these can take a toll on your wallet, bank account and even credit card debt.

Estimating Your Future Social Security Benefits
Plan more effectively for retirement by calculating potential Social Security benefits

Whether you are nearing retirement age or just entering the workforce, it is important to have an estimate of how much your future Social Security benefits will be. Fortunately, you don’t have to wait until you are ready to start collecting to find out what you will receive. There are several online tools that can estimate your future benefits and also help you discover more about the ways that different circumstances—such as your retirement age—could impact those benefits. With this information in hand, you can plan for retirement much more effectively.

Mistakes to Avoid When Opening a Small-Business Bank Account
Set yourself up for success when you open your small-business bank account

If you are starting a small business, you have a lot of important tasks to check off your to-do list, and one of the most important of all is opening a small-business bank account. Here are some of the most common mistakes that small-business owners make when opening a business bank account, so that you can avoid them and start your small-business finances out on the right track.

5 Foods You Didn’t Know Contained So Much Sugar
Stay away from these five surprisingly sugar-laden foods

It’s no secret that the amount of sugar you consume affects your overall weight and belly size, but why exactly is that? Men’s Fitness Magazine reports that people who eat too much sugar usually take in more calories than they are able to exercise away–and it’s not just the obvious suspects such as soda and chocolate that cause people to pack on the pounds. There are many foods that people eat every day that contain more sugar than expected.

Eco-Friendly Ways to Heat Your Home
Consider these eco-efficient heating alternatives

You can probably already feel that chill in the air that reminds you of what is coming for most of us in the contiguous United States. November will give way to December, and autumn will give way to winter. That means it is time to break out the heavy coats and sweaters and to start budgeting in a little extra every month for heating costs. Depending on the ferocity of winter, those heating costs can reach unseemly heights, which is why it is important to consider alternative methods that will not only save you money in the long run, but that will ultimately be better for the environment.

Skills All College Graduates Should Have
The skills needed to land your first job out of college

One of the most common questions heard by college graduates worldwide is likely “What are you doing now that you’ve graduated from college?” The current job market, while improving somewhat, is a big part of why college graduates are scrambling to find the right job for them; however, besides a better job market, the answer to landing a good job is having the skills necessary to succeed there.

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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.  
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