The Buzz
September 2012
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Fall Shred & Electronic Recycling
Get organized this FALL with a FREE Shred & Electronics Recycling Day!
Immediate onsite shredding and recycling of your sensitive, outdated paperwork.
Earth-friendly disposal of your old cell-phones, computers, appliances, and other devices
(Courtesy of DP Electronics Recycling, Inc.)
Saturday, October 6, 2012
837 N. Wisconsin Street (Elkhorn parking lot)

Elkhorn’s 7th Annual Oktoberfest Celebration

Join the Elkhorn Area Chamber of Commerce and Tourism and other local businesses in celebrating Oktoberfest on Saturday, October 20, 2012 between 9am-6pm. With over 3000 attendees, it is sure to be fun event. 
There will be something for everyone: beer & wine tasting, chili cook-off, crafters, food vendors, classic car show, live bands, and a variety of kids’ activities including a costume parade. 
FALL FUN you won’t want to miss! Contact the Elkhorn Chamber, or 262.723.5788, for more information. 

Five Common Budgeting Mistakes
Tips on how to budget smarter

Photo: Five Common Budgeting Mistakes
Regardless of your age or expenses, it’s important to stick to a budget so you are always cognizant of your financial stability. According to, “Budgets can be a great tool to help you achieve your financial goals. But if you approach budgeting the wrong way, it can lead to frustration, stress and even more spending.” Here are five of the most common budgeting mistakes and the steps you can take to avoid them:
What Questions Should You Ask When Getting a Mortgage?
Basic questions make sure you get what’s right for you

Photo: What Questions Should You Ask When Getting a Mortgage?
At the end of the first fiscal quarter of 2012, the Federal Reserve reported that there was more than $10 billion in mortgage debt for single-family and multifamily (up to four-family) residences. Despite this staggering number, there are still many people out there searching for a home and a loan with which to buy it.
Holiday Shopping Starts Soon
Are you saving enough?

Photo: Holiday Shopping Starts Soon
According to ABC News, Americans surveyed by the International Mass Retail Association thought they’d be spending about $849 each on their holiday spending in 2010, but they actually ended up spending $1,067 each—an average of 20 percent more than they had originally planned.
Protecting Sensitive Business Documents
Steps to help keep your company’s information protected

Photo: Protecting Sensitive Business Documents
Despite how many businesses are converting to paperless systems, there are still many that work with paper documents. The information on these documents is extremely sensitive, and it is imperative that companies go to extra lengths to protect it.
Recycling Used or Broken Technology
Finding a new home for old equipment

Electronics have become a part of everyday life and the average family will dispose of one or more cell phones or computers each year. Just as it is important to recycle aluminum cans, plastic bottles and glass items, it is even more important to recycle electronic equipment. Cell phones and computers may contain harmful plastics, mercury or other toxins which may cause adverse reactions if placed in landfills.
Top Five Pet-Friendly Vehicles
If bringing along your pet is a priority, these automobiles are right for you

Photo: Top Five Pet-Friendly Vehicles
According to the pet product company Kurgo and the AAA Foundation for Traffic Safety, 80 percent of pet owners have driven with their pets in the vehicle. If bringing along your furry friend is a top priority, here are two great vehicles (recommended by and that will keep your pet comfortable and safe regardless of where you go:
Puerto Rico
Zip through the commonwealth, from jungles to high-end boutiques

Puerto Rico suits just about every travel style. Looking for adventure? Zip-line through the jungle. Like to shop? Hit the posh designer boutiques of Condado. Love Puerto Rican cuisine? Options abound, from cafe classics to fine dining.
Movies Based on an Actual True Story
From con men to survivalists and rock stars, the best stories of the cinema are true tales

We all know of big blockbuster films based on true stories, such as Titanic or Schindler’s List. There are many other movies based on real life stories that may be less well-known but are no less compelling. The following are just a few examples.
Back to School: Five Chapter Books for Kids
Ready, set, read

When young readers are ready to begin taking on chapters of their own, few things are better than a new chapter book that piques their interest. Start September off right with a new chapter book or two, and get those neurons firing just in time for the new school year.
Natural Cleaning Products
Making the change back to simple, time-tested cleaning solutions

As consumers learn more about the unknown toxins that may be lurking in their cleaning products, more families are making their own natural cleaning products. The ingredients are simple, safe and well-tested. As a bonus, natural cleaning products are also significantly less expensive than their commercial counterparts. When it comes to natural products, five items that you probably already have on hand stand out for their cleaning properties.
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.
Published by Peoples Bank
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