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February 2013
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Construction Loans
Are you looking to build your dream home? Peoples Bank has Construction Loans. Call Jean Krieg at 723.4200 today! She will help you build your dreams! 

Federal Checks Will Soon Go Direct
The deadline for setting up electronic payments for federal checks is approaching
Photo: Federal Checks Will Soon Go Direct
If you are receiving checks by mail for VA, Social Security, other federal benefits or nontax payments, you should know that you will soon be required to switch to electronic payments. The U.S. Department of the Treasury is mandating that this change take place before March 1, 2013. People applying for new benefits will need to use e-payments from the get-go, so it is important to learn what they entail before applying.
[FULL STORY]

Consumer Tips

Consumer Tips from Your Community Banker
 

Help Kids Learn Financial Skills

 Does it seem like every time you turn around, your child is asking you for money? Does your teen know how to balance a checkbook, pay bills, or read a financial statement? A 2007 Charles Schwab survey reported that only one in three teens had mastered these skills.
 
While a growing number of Wisconsin school districts incorporate financial literacy into their programs, most do not. Parents, aunts and uncles, grandparents, 4-H and other youth leaders can make a difference in the future success of our children by teaching them the basics of saving and spending, debt, budgeting, and financial planning. They can make the biggest difference by modeling good money management practices.

[FULL STORY]

Five SUV Alternatives
Fuel efficiency and driving dynamics in vehicles that don’t sacrifice cargo space
Photo: Five SUV Alternatives
The car-buying public often dreams of the versatility, all-terrain capabilities, seating and cargo space afforded by sport utility vehicles but can also be made skittish by the poor fuel economy and perhaps even the sheer size of SUVs.
[FULL STORY]
Boosting your Health with Supplements
Avoid potential risks when using natural remedies

Many Americans looking for a health boost are seeking out supplements. Whether they’re herbal remedies or vitamins, supplements offer a mixed bag. In some cases they have proven benefits — in other instances the science behind them is murky at best.
[FULL STORY]
Best Tom Cruise Movies of All-Time
One of America's favorite actors never fails to please

As one of the most popular actors to ever grace the big screen, the charismatic and talented Tom Cruise has spent decades as a major box office draw. Many have seen all of his films, which are often considered "box office gold" due to their mass appeal in theaters worldwide. However, if you have not, you may want to tackle this list of his most memorable roles.
[FULL STORY]
What Is Your Carbon Footprint?
Discover how your daily actions create an effect on the environment

Almost everything you do has an impact on the world around you. Whether it is a small or large action, how you live your life adds up to produce your overall carbon footprint (your total effect on the environment).
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Palm Springs, California
Take in the Old Hollywood glamor of this vacation destination

The term "laid-back glamor" best describes Palm Springs, Calif. Nestled in Coachella Valley, vacationers young and old appreciate its many upscale offerings.
[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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