The Buzz
June 2013
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2013 Customer Appreciation Day
Let us say ‘Thank You’
at our Customer Appreciation Day!
Elkhorn: Friday, July 12th from 3pm-6pm
Silver Lake: July 26th from 3pm-6pm
Please join us for food and fun. It is our chance to thank you for your continued loyalty and support. We look forward to seeing you there. 

Good credit – I want that!
Did you know that there are now dating websites where potential partners provide their credit score for you to check out? People know it’s important to have good credit. But, there’s still a lot of confusion about how to actually build and keep a good credit report.

Should Homeowners Consider Refinancing or Home Equity Loans?
Learning about both options will help you make the best decision to save money
Photo: Should Homeowners Consider Refinancing or Home Equity Loans?
Homeowners may have steep mortgages due to investments they made when interest rates were higher than they are today. While many property owners want to reduce their expenses, refinancing and home equity loans are just two of the options available to help these people.

The 8(a) Business Development Program
A Small Business Administration program helping socially and economically disadvantaged entrepreneurs
Photo: The 8(a) Business Development Program
The 8(a) Business Development Program was started by the U.S. Small Business Administration (SBA) to support small businesses owned by economically and socially disadvantaged entrepreneurs. Not only does this program help disadvantaged individuals become successful entrepreneurs and enter mainstream American business, but it also acts as a stepping-stone to government subcontracting.

Five Convertibles to Consider
It’s time to put the top down and have some fun
Photo: Five Convertibles to Consider
Summer is here, which means the time is right for considering a new convertible or, short of that, dreaming about one. These five convertible options each have their own special attributes, so read on to find the one that’s right for you.
Stowe, Vermont
Consider this welcoming New England town for a summer visit

If you only think of Stowe, Vt., as a winter sports destination, you're missing out. This lovely town has much to offer summertime visitors.
How to Choose an E-Reader
Consider these features and options before you buy

While some people prefer the feel of a traditional book in their hands, e-readers are an increasingly popular way to purchase, store and read everything from magazines to favorite novels and cookbooks. If you're in the market for an e-reader, consider cost, size, readability, functionality and services to find one that fits your needs and lifestyle.
Swimming for Exercise
Water makes for effective workouts

Swimming is a great way to cool off in the summer months, whether it’s in a lake, pool or pond. Yet it can also be a fun way to turn this limited-impact sport into a fat-burning, muscle-toning workout. Here are five exercise ideas (and five good reasons to put on your bathing suit this summer).
Composting 101
Turn kitchen scraps into garden gold

Composting is the process of setting aside plants and food scraps and allowing them to break down into a dark, rich, soil-type substance. This organic material will naturally fertilize soil if placed in the ground near growing plants. Compost adds much-needed moisture, organisms and nutrients to soil and is nicknamed “black gold” by many gardeners.
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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