The Buzz
January 2013
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Mortgage Rates are Still Low!
There is still time to take advantage of low mortgage rates!  Apply online at www.peoplesbankwi.com or call 262.741.1300 to speak with an experienced Mortgage Loan Officer. 

Consumers Set Record for Online Loan Apps
An executive with Mequon, Wis.-based technology company Mortgagebot said even with Hurricane Sandy impacting business in November, the company still expects that 1 million loan applications will have been submitted through its Enterprise end-to-end lending platform by yearend.
[FULL STORY]

Six Myths About Credit Cards
Financial knowledge will set you free
Photo: Six Myths About Credit Cards
Credit cards can be an incredibly valuable part of your financial toolbox. With the amount of credit card advice offered on the Internet or by friends and family, it can be difficult to separate fact from reality. Suggestions about the best way to cook eggs so that the shells peel off easily or chop an onion without crying may contain more fiction than fact, but these innocent pieces of misinformation arenít especially harmful. Credit card myths, on the other hand, can be damaging. Here are six credit card myths that you may have heard before and maybe even repeated. The corresponding facts will clear up the confusion:
[FULL STORY]
Reading a Financial Statement 101
Tips on how to understand the information in your financial statements
Photo: Reading a Financial Statement 101
One of the first steps to managing and organizing your finances is to regularly read your bank statements. These documents contain important information regarding your money, so itís important not to throw them in the trash or delete them from your email immediately.
[FULL STORY]
Five Tax Updates for Filing Your 2012 Taxes
Stay up to date with available tax credits and deductions

Whether you are filing a tax return for the first time or have been filing for decades, itís important to understand that tax laws change from one year to the next. Keeping up with current tax laws can help you take advantage of available credits and deductions, while also avoiding possible penalties.
[FULL STORY]
Tax Incentives for Electric and Plug-In Hybrid Vehicles
Consumers can take advantage of federal and state tax credits
Photo: Tax Incentives for Electric and Plug-In Hybrid Vehicles
With federal tax credits that can reach as high as $7,500 and additional tax rebates available from many states, purchasing an electric or electric/hybrid vehicle is an attractive option for many savings-minded individuals, not to mention those wanting to decrease their impact on the environment.
[FULL STORY]

Android vs. iOS
The battle continues

The battle rages on between Android and Apple iOS. For consumers it can be confusing to go shopping, particularly since devices today have so many similarities. Plus, Android and iOS both inspire fierce loyalty, which is why it's important to do your homework before purchasing. If you're in the market for a new smart phone, consider the following before choosing an Android or Apple's iOS.
[FULL STORY]
Vail, Colorado
Pristine powder meets luxurious accommodations in this popular resort town

Vail covers 5,500 acres in Colorado, making it the largest single-mountain ski resort in the country. The rich and famous take to its slopes, as do plenty of locals. You can vacation in style at this wonderful winter playground.
[FULL STORY]
Going Green with Food
Purchasing locally sourced ingredients can lead to a healthier and more environmentally responsible lifestyle

More and more people are becoming aware of the environment and making a conscious effort to become more responsible. Without exception, food is one of the most important ways consumers can live a more efficient (and often healthier) lifestyle. A few simple changes can yield big results in your budget, health and environmental footprint.
[FULL STORY]
American Idol: A Look at Past Winners
Dreams come true for American Idol champions

Music lovers have an unabashed love affair with American Idol. Here are some of the more popular winners and what has happened to them since Ryan Seacrest gave them a congratulatory hug.
[FULL STORY]
Getting Your Flu Shot This Winter
A small pinch with a big payoff

Itís that time of year again ó flu season. If youíre looking to avoid all the symptoms that accompanies a bout of influenza, nowís the time to get a vaccination. If you got vaccinated last year, itís not enough to protect you from the ever-changing strains of flu you may encounter this winter.
[FULL STORY]
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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