Forward Bank

Array
(
    [675] => News / Press Release
    [676] => Business Banking
    [677] => Personal Banking
    [678] => Insurance
    [679] => Investments
    [680] => Mortgage
    [681] => Community Giving
    [682] => Forward Family
    [683] => Scholarship Recipients
    [901] => Security Tips
)

sep=|{{NEWLINE}} Improve Your Finances in the New Year with One Tool|01/05/2018|"Personal Banking"|yes|-improve-your-finances-in-the-new-year-with-one-tool||With the holiday hustle and bustle behind you, it&rsquo;s time to sit down and evaluate the past year. If you are looking for a fresh start in 2018, your finances is a good place to start.|With the holiday hustle and bustle behind you, it&rsquo;s time to sit down and evaluate the past year. If you are looking for a fresh start in 2018, your finances is a good place to start.<h3>Benefits of Budgeting</h3><ol><li>Gives you control over your money &ndash; A budget is a way of being intentional about the way you spend and save your money. Budgeting saves you the stress of suddenly having to adjust to lack of funds because you did not initially plan how to spend them. It also helps you decide if you want to sacrifice short term spending like buying coffee every day in exchange for a long-term benefit like a cruise vacation or a new HDTV.</li><li>Keeps you focused on your money goals &ndash; If you are working with limited resources, budgeting makes it easier to make ends meet.</li><li>Makes you aware what is going on with your money &ndash; With budgeting, you are clear on what money is coming in, how fast it goes out, and where it is going to. Budgeting saves you from wondering every end of the month where your money went.</li><li>Helps you organize your spending and savings &ndash; By dividing your money into categories of expenditures and savings, a budget makes you aware which category of expenditure takes which portion of your money. Budget also serves as a reference for organizing your bills, receipts, and financial statements.</li><li>Makes you decide in advance how your money will work for you.</li><li>Enables you to save for expected and unexpected costs &ndash; Budgeting allows you to plan to set aside money for emergency costs.</li><li>Enables you to communicate with your significant others about money &ndash; If you share your money with your spouse, family, or anyone, a budget can communicate how you use money as a group. Budgeting teaches family members spending responsibility and accountability.</li><li>Provides you with an early warning for potential problems &ndash; When you budget and take a "big picture" view, you will see potential money problems in advance, and be able to adjust before the problem appears.</li><li>Helps you determine if you can take debt and how much &ndash; Taking debt is not necessarily a bad thing if the debt is necessary or you can afford it. Budgeting shows you how much a debt load you can realistically take without being stressed or if taking the debt load is worth it.</li><li>Enables you to produce extra money &ndash; In budgeting, you get to identify and eliminate unnecessary spending like late fees, penalties and interests. These seemingly small saving can add up over time.</li></ol>The Financial Management tool within online banking can help you monitor where your money is going each month. This is especially handy if you an avid user of debit cards, online bill payment and online transfers. Check out this quick video on how to set up your budget using the Financial Management tool:<img class="fpo-video" src="https://img.youtube.com/vi/Mw0UJar8D0U/mqdefault.jpg" alt="FInancial Management Tool" data-type="video" data-id="722" />Not sure what categories to set up? Here is a list of common budget and financial management categories:<h3>Income</h3><ul><li>Paycheck</li><li>Predictable bonus</li><li>Expense reimbursements</li><li>Investment</li><li>Rental income</li><li>Interest earned (on accounts, loans to others)</li><li>Dividends and capital gains</li></ul>ExpensesAutomobile<ul><ul><li>Gasoline</li><li>Maintenance</li><li>Registration fees</li><li>Auto loan payment</li></ul></ul>CharityChildcare<ul><li>Babysitting</li><li>Child support</li></ul>ClothingEducation<ul><li>Tuition</li><li>Books</li><li>School supplies</li><li>Field trips</li><li>Fees</li><li>Student loan payment</li></ul>Food<ul><li>Groceries</li><li>Dining out</li><li>Vending machines</li><li>Coffee house</li></ul>Healthcare<ul><li>Dental</li><li>Vision</li><li>Physician</li><li>Hospital</li><li>Prescriptions</li><li>Over the counter medication</li><li>Vitamins</li></ul>Household<ul><li>Rent / Mortgage payment</li><li>Homeowner's association dues</li><li>Furniture</li><li>Supplies</li><li>Decorating</li><li>Tools</li><li>Home maintenance and repair</li><li>Home improvement</li></ul>Insurance<ul><li>Automobile</li><li>Health</li><li>Life</li><li>Disability</li><li>Long term care</li></ul>Leisure (daily / non-vacation)<ul><li>Books</li><li>Magazines</li><li>Movie theater</li><li>Video rental / Pay per view</li><li>Sporting events</li><li>Sporting goods</li><li>Hobbies</li></ul>Pet Care<ul><li>Food</li><li>Supplies</li><li>Veterinarian</li></ul>Savings<ul><li>Retirement</li><li>Investments</li><li>Emergency fund</li><li>Reserve funds (to set aside for planned expenses)</li></ul>Taxes<ul><li>Federal</li><li>State</li><li>Local</li></ul>Utilities<ul><li>Water</li><li>Sewer</li><li>Electricity</li><li>Gas</li><li>Television (e.g. cable, satellite, etc.)</li><li>Telephone / Cell phone</li><li>Internet service</li><li>Garbage and recycling</li></ul>Vacation|||None{{NEWLINE}}Marshfield Building Project: January|01/16/2018|"News / Press Release"|yes|marshfield-building-project-january||Progress on our new Headquarters located at 1001 N. Central Avenue in Marshfield is visible with the Forward "F" now mounted on the building. The finish work inside the facility is moving quickly allowing us to plan for the big move.|Progress on our new Headquarters located at 1001 N. Central Avenue in Marshfield is visible with the Forward "F" now mounted on the building. The finish work inside the facility is moving quickly allowing us to plan for the big move.We are moving our team in to the new building the weekend of February 17-18. The final schedule for the move is being finalized to minimize the amount of time our team must spend away from their families this weekend. To allow for the move and time to test our systems once we are in the new facility, we will be closed on Presidents Day &ndash; Monday, February 19.To provide you access to your accounts this weekend, our North Central Office drive-up will be open Saturday, February 17 until Noon. Don&rsquo;t forget that you can access your accounts 24-7 using Mobile, Online or Voice Banking. Deposits can be made at the existing North Central Office ATM until March 3.|/assets/thumb__1588084318-21734DWearemovingMarshfieldimage.jpg|725|None{{NEWLINE}}Will a Claim Raise My Car Insurance Premiums?|01/26/2018|"Insurance"|yes|will-a-claim-raise-my-car-insurance-premiums||You've been in an accident. What are your initial thoughts?|You've been in an accident. What are your initial thoughts?If you're like many vehicle owners, your mind quickly turns to the financial ramifications of the incident: "How much will repairs cost?" "If I make an insurance claim, will this accident increase my premiums?" Too often, car owners don&rsquo;t file a claim for fear of potential rate increases. The truth is, filing a claim may or may not increase your premium, as there are several factors that can affect this situation.The Accident: How severe was the accident? Was it a fender bender or a major crash? If the damage was great, it&rsquo;s more likely to lead to a premium increase.The Fault: Who was at fault in the accident? If you were at fault, it&rsquo;s more likely your rates will go up. Often if the fault lies with the other driver, your rates will not be affected. In some areas, both insurance companies will pay for some of the costs as a result of "no fault" regulations in those areas. Your insurance carrier will determine if the incident results in an increase.The Record: Is this your first accident? If you have a safe driving record and have been with your insurance company for a long time, you are less likely to experience a premium increase. If it is your first accident, you also may be eligible for accident forgiveness.The Theft: Was your car stolen? If you need to file a claim as a result of the theft of your car, rather than an accident, your rates may increase, especially if you live in a high-crime area. If you suffer any vehicle damage, it&rsquo;s always a good idea to discuss your repair and replacement needs with your insurance agent. He or she can help you determine the next best steps and walk you through the process of filing a claim.Questions? <a href="/insurance/meet-our-agents/">Contact a Forward Insurance</a> agent today!|/assets/thumb__1588086693-57280364156a0f43a5f9b58eba4b584f0.jpg|726|None{{NEWLINE}}Unique Office Space for Lease|01/30/2018|"News / Press Release"|yes|unique-office-space-for-lease||Over 15,800 vehicles per day drive past the new three-story professional building that will hold the headquarters of Forward Bank. Two local businesses are joining Forward in the new facility, and there is a unique opportunity for more to have offices there.|Over 15,800 vehicles per day drive past the new three-story professional building that will hold the headquarters of Forward Bank. Two local businesses are joining Forward in the new facility, and there is a unique opportunity for more to have offices there.On the third floor, a suite of offices is being furnished for area businesses or visiting professionals to lease one office at a time. The single office lease structure is ideal for a start-up business or small manufacturer needing office space to meet with prospects. It is also perfect for professional service providers that would like to have hours in Marshfield on a weekly basis.This area has a common reception and shared conference room. Tenants will have access to the fitness center, community meeting room, lower level employee lounge, and patio for lunches. Utilities will be paid for by the bank.<img class="fpo-image" src="/assets/1588088410-ThirdFloorRentableSpace2.png" alt="Blog - Unique Office Space for Lease" data-type="photo" data-id="728" />Available Offices:<ul><li>Office 332 &ndash; 157 sq. ft . $520 / mo.</li><li>Office 333 &ndash; 132 sq. ft . $435 / mo.</li><li>Office 334 &ndash; 233 sq. ft . $770 / mo.</li><li>Office 337 &ndash; 138 sq. ft . $455 / mo.</li></ul>For more information, please contact Jesse Nelson at 715-387-1122 or jessen at forwardbank dot com.|||None{{NEWLINE}}Marshfield Building Project: We've Moved|02/20/2018|"News / Press Release"|yes|marshfield-building-project-weve-moved||We've Moved!
Forward Bank Welcomes You- New Headquarters in Marshfield|We've Moved!Forward Bank Welcomes You- New Headquarters in MarshfieldForward Bank completed their move from 207 W. 6th Street, Marshfield to their new headquarter building located at 1001 N. Central Ave., Marshfield.This beautiful new facility is the culmination of over 2 years of planning and hard work by many people inside the Forward Family and all the local contractors we used during the process.Our new building is not like any other in the area, just as our team and approach to community banking is quite different! We have included more edgy design elements that you see more in tech companies, more brightness, and more new technology. We've also added features like the sit-to-stand desks, coffee bar, and expanded fitness center for our staff and employees that will be working for the businesses joining us in the building in April.This will be a place all our employees visit for training. It is also going to become a place that different groups in the community can come to learn from us during seminars and other bank events. It is our hope that it becomes a centerpiece for this community.Welcome home!|/assets/thumb__1588089140-PhotoFeb2082548AM870x1024.jpg|730|None{{NEWLINE}}Marshfield Banker Celebrated for 50 Years of Service|03/01/2018|"Forward Family|News / Press Release"|yes|marshfield-banker-celebrated-for-50-years-of-service||After half a century of service to the community, Orin Toltzman from Forward Bank has been honored.|After half a century of service to the community, Orin Toltzman from Forward Bank has been honored.Toltzman started his banking career with Marshfield Savings and Loan on February 1, 1967. On November 11, 1969 he became a member of the Board of Directors, being on many of the Board's committees in later years. He started in lending in 1975 with home, home improvement and some personal loans. In 1993, Marshfield Savings and Loan changed its charter to Marshfield Savings Bank. Shortly thereafter, in 1997, Toltzman became the CEO and President, he retained that position until January 2005. He was the Chairman of the Board until June 2015, and he continues as a Board Director."Orin's leadership throughout the years has helped shape the organization into the community-focused bank it is today," commented Bill Sennholz, President &amp; CEO of Forward. "His continued energy and involvement at the Board level is something that our entire staff looks up to. We are continually thankful that we have him as a resource for our growing organization and as a mentor to younger members of our team."Toltzman was honored at the Wisconsin Bankers Association Bank Executives Conference in Madison, the largest banking event in Wisconsin, on February 6, 2018. Toltzman was recognized along with seven other inductees into the WBA's 50-Year Club for extraordinary service to Wisconsin's financial industry.The Wisconsin Bankers Association is the state's largest financial industry trade association, representing nearly 240 commercial banks and savings institutions, their nearly 2,100 branch offices and 21,000 employees.|/assets/thumb__1588089354-20180220182118web.jpg|732|None{{NEWLINE}}Insurance-Speak: Industry Terms Explained Here|03/06/2018|"Insurance"|yes|insurance-speak-industry-terms-explained-here||Every industry has its own lingo. Are you familiar with the language of insurance? Consumers frequently encounter common insurance terms, but many are unsure how to define them. Following are a few of the most common definitions. Becoming familiar with these will help you navigate insurance purchases, questions, and claims.|Every industry has its own lingo. Are you familiar with the language of insurance? Consumers frequently encounter common insurance terms, but many are unsure how to define them. Following are a few of the most common definitions. Becoming familiar with these will help you navigate insurance purchases, questions, and claims.<ul><li>Actual cash value: This form of insurance provides coverage equal to the value of your damaged property less the depreciation.</li><li>Adjuster: This individual evaluates losses to help settle claims.</li><li>Comprehensive coverage: This portion of your auto insurance covers any damage to your car that is not related to a vehicle collision, including damage from events such as fire, vandalism, and theft.</li><li>Deductible: Your deductible is the amount you pay out of pocket before your policy kicks in to cover the rest of the claim. If you set a higher deductible, you can pay a lower premium.</li><li>Depreciation: Over time, your property decreases in value due to wear and tear. This decrease in value is called depreciation.</li><li>Exclusion: An exclusion highlights certain risks or specific types of damage or acts that won&rsquo;t be covered under your policy.</li><li>Liability: Liability insurance protects you if you become legally responsible for personal injury or damage to another person&rsquo;s property.</li><li>Premium: This is the price of your insurance policy. It is typically paid annually, semi-annually, or monthly.</li><li>Replacement value: This coverage provides the amount you need to replace damaged property with a new item, regardless of the damaged item&rsquo;s depreciated value.</li><li>Rider: Also referred to as an endorsement, this agreement expands or limits the benefits of a policy.</li><li>Underwriting: This is the process by which an insurance company reviews a policy application and sets the appropriate premium for coverage.</li></ul>|/assets/thumb__1588091960-cargroupfirendsroadtripyounggirlwomansmilingiStock473420470WEB.jpg|734|None{{NEWLINE}}Ron Wilczek Joins the Forward Team|03/15/2018|"Forward Family|News / Press Release"|yes|ron-wilczek-joins-the-forward-team||Ron Wilczek has joined the Forward Bank team in Marshfield as a Vice President / Senior Commercial Lender.|<img class="fpo-image" src="/assets/1588092408-RonWilczek200x200.jpg" alt="Blog - Ron Wilczek Joins the Forward Team" data-type="photo" data-id="736" />Ron Wilczek has joined the Forward Bank team in Marshfield as a Vice President / Senior Commercial Lender.Wilczek has over 18 years of banking experience in the Marshfield area. He is currently active serving our community as a Marshfield Area Chamber of Commerce&amp; Industry Board Member, Marshfield Area Community Foundation Board Member, Our Lady of Peace Parish Chair of Finance Committee, Columbus Catholic High School, and a volunteer coaching various youth sports teams."We are thrilled to have the addition of Ron&rsquo;s experience and connections to the Marshfield community to our growing Commercial Banking team," said Bill Sennholz, President and CEO of Forward Bank. "His approach to serving his clients and giving back to the community fits perfectly with the culture at Forward, and we know he is excited to begin helping our business clients achieve their goals."Wilczek has lived in Marshfield for the past 19 years with his wife Teri with their three children.|||None{{NEWLINE}}Bake Sale to Benefit Wildwood Park & Zoological Society|03/16/2018|"Community Giving"|yes|bake-sale-to-benefit-wildwood-park-zoological-society||It's that time of year again &ndash; Forward Bank&rsquo;s Good Friday Bake Sale! Our team has been busy in the kitchen baking gooey desserts, chocolate chips cookies, fudge brownies, and everything in between!|<img class="fpo-image" src="/assets/1588093145-BakeSaleFBimage.jpg" alt="Blog - Bake Sale to Benefit Wildwood Park &amp; Zoological Society" data-type="photo" data-id="738" />It's that time of year again &ndash; Forward Bank&rsquo;s Good Friday Bake Sale! Our team has been busy in the kitchen baking gooey desserts, chocolate chips cookies, fudge brownies, and everything in between!Stop in on March 30th between 8:30am and noon for a sweet treat and to help a great cause.Proceeds go to benefit the Wildwood Park and Zoological Society.|||None{{NEWLINE}}Grand Opening/Ribbon Cutting: April 12, 2018|03/20/2018|"News / Press Release"|yes|grand-openingribbon-cutting-april-12-2018||You're Invited!
Celebrate the growth of Forward Bank as we commemorate the opening of our new headquarters at a Grand Opening/Ribbon Cutting event on Thursday, April 12 from 11am &ndash; 5pm at 1001 N. Central Ave., Marshfield, WI (Ribbon Cutting at 11:30am).|You're Invited!<img class="fpo-image" src="/assets/1588093628-GrandOpeningwebsitebanner1000px.jpg" alt="Blog - Grand Opening/Ribbon Cutting: April 12, 2018" data-type="photo" data-id="740" />Celebrate the growth of Forward Bank as we commemorate the opening of our new headquarters at a Grand Opening/Ribbon Cutting event on Thursday, April 12 from 11am &ndash; 5pm at 1001 N. Central Ave., Marshfield, WI (Ribbon Cutting at 11:30am).During your visit chat with our team while you tour this innovative 3-story building. Light lunch served from 12pm &ndash; 2pm.Enter to Win &ndash; Echo Home System! Basket includes an Echo Plus with Built-in Hub, Echo Dot, 2 Smart Wi-Fi Plugs with Energy Monitoring, and a Phillips Hue Bulb!We hope you can join us!|||None{{NEWLINE}}Mortgage Open House at New Headquarters|03/23/2018|"Mortgage"|yes|mortgage-open-house-at-new-headquarters||Let the Mortgage Lending Team at Forward Bank welcome you to their new home on Thursday, April 12 from 5-7pm (1001 N. Central Ave., Marshfield, WI)! Stop in to receive your coupon for $200 off closing costs AND enter to have Forward pay the closing costs on your next mortgage purchase!*|<img class="fpo-image" src="/assets/1588093883-Mortgageimage.jpg" alt="Blog - Mortgage Open House at New Headquarters" data-type="photo" data-id="742" />Let the Mortgage Lending Team at Forward Bank welcome you to their new home on Thursday, April 12 from 5-7pm (1001 N. Central Ave., Marshfield, WI)! Stop in to receive your coupon for $200 off closing costs AND enter to have Forward pay the closing costs on your next mortgage purchase!*Light refreshments will be served.RSVP: By April 9th at 715-387-1122*Some restrictions apply. Loan subject to standard underwriting and credit approval. Maximum value $1,600.|/assets/thumb__1588093883-Mortgageimage.jpg|742|None{{NEWLINE}}Forward Bank Selected as First Bubbler Award Winner in Marshfield!|03/26/2018|"News / Press Release"|yes|forward-bank-selected-as-first-bubbler-award-winner-in-marshfield||On Monday, March 19th, NEWaukee announced the winners of the 2018 Bubbler Awards: Best Places to Work for Young Professionals in Wisconsin. The following companies were nominated by their employees, evaluated, and selected by a group of young professional leaders from across the state of Wisconsin as the Top 10 Best Places for Young Professionals. Forward Bank headquartered in Marshfield and serving the surrounding communities is proudly in the top 10.|On Monday, March 19th, NEWaukee announced the winners of the 2018 Bubbler Awards: Best Places to Work for Young Professionals in Wisconsin. The following companies were nominated by their employees, evaluated, and selected by a group of young professional leaders from across the state of Wisconsin as the Top 10 Best Places for Young Professionals. Forward Bank headquartered in Marshfield and serving the surrounding communities is proudly in the top 10.<ul><li><a href="http://www.eua.com/" class="speedbump" target="_blank" rel="noopener">Eppstein Uhen Architects</a> (Milwaukee)</li><li><a href="/">Forward Bank</a> (Marshfield)</li><li><a href="https://gmrmarketing.com/" class="speedbump" target="_blank" rel="noopener">GMR Marketing</a> (New Berlin)</li><li><a href="http://www.greenheck.com/" class="speedbump" target="_blank" rel="noopener">Greenheck</a> (Wausau)</li><li><a href="http://www.johnsonville.com/home.html" class="speedbump" target="_blank" rel="noopener">Johnsonville</a> (Sheboygan Falls)</li><li><a href="https://www.northwesternmutual.com/" class="speedbump" target="_blank" rel="noopener">Northwestern Mutual</a> (Milwaukee)</li><li><a href="http://penrod.co/" class="speedbump" target="_blank" rel="noopener">Penrod</a> (Milwaukee)</li><li><a href="https://www.sargento.com/" class="speedbump" target="_blank" rel="noopener">Sargento Foods Inc.</a> (Plymouth)</li><li><a href="https://www.skyward.com/" class="speedbump" target="_blank" rel="noopener">Skyward Inc.</a> (Stevens Point)</li><li><a href="https://www.wisnet.com/" class="speedbump" target="_blank" rel="noopener">Wisnet</a> (Fond du Lac)</li></ul>"I feel honored and humbled to be on a list with companies like the ones listed," expressed Bill Sennholz, President/CEO of Forward Bank. "But it's really the dedication of our team who is the driving factor behind our culture and success."The Bubbler Awards, part of the YPWeek Wisconsin (a statewide collaboration of young professionals showcasing their communities) highlights companies who have made it a priority to create an environment that allows not only young professionals, but all their employees, to connect to their workplace and community in unique and valuable ways. Forward Bank's level of community involvement, employee engagement practices, and professional development opportunities were key factors in their nomination.Hundreds of nominations were submitted and Forward Bank is one of three companies based in Central Wisconsin to receive the award this year and the first ever in Marshfield. "This was the second year I nominated Forward for a Bubbler Award, because I truly believe we offer an employee experience unlike any other. And this year, the jury saw Forward the way I do," stated Jes Mannigel, Marketing Specialist at Forward Bank.Read the Press Release here: <a href="https://mailchi.mp/newaukee/bubbler-awards-winner-announcement" class="speedbump" target="_blank" rel="noopener">https://mailchi.mp/newaukee/bubbler-awards-winner-announcement</a>Watch the video Facebook announcement here: <a href="https://www.facebook.com/ThinkMakeHappen/videos/558218621231014/" class="speedbump" target="_blank" rel="noopener">https://www.facebook.com/ThinkMakeHappen/videos/558218621231014/</a>To learn more about the Bubbler Awards and YPWeek, visit <a href="https://www.ypweek.com" class="speedbump" target="_blank" rel="noopener">www.ypweek.com</a>|/assets/thumb__1588095020-BubblerAwardsheader1024x485.jpg|744|None{{NEWLINE}}Forward Bank Participates in Wisconsin Power of Community Week|04/13/2018|"Community Giving"|yes|forward-bank-participates-in-wisconsin-power-of-community-week||Banks devote time, effort, and resources daily in support of their communities. During the week of April 16-20, 2018, banks from across the Badger State will be participating in the Wisconsin Bankers Association (WBA) Power of Community campaign to highlight the role banks play in the communities they serve.|Banks devote time, effort, and resources daily in support of their communities. During the week of April 16-20, 2018, banks from across the Badger State will be participating in the Wisconsin Bankers Association (WBA) Power of Community campaign to highlight the role banks play in the communities they serve.Forward Bank is involved in community service projects year-round, but participation in this week-long campaign will bring together the efforts of the entire Wisconsin banking industry to show our collective impact and involvement in the state."We are proud of our community and our role in helping families grow and businesses prosper. While we strive every day to serve our customers, it is especially rewarding when we volunteer directly in the community," said Bill Sennholz, President/CEO at Forward Bank."It's exciting to be coordinating our usual service efforts with other Wisconsin banks during the Power of Community week to really showcase how banks help their communities," explained Sennholz.Launched by the Wisconsin Bankers Association, the Power of Community campaign is a way for banks to celebrate the communities they serve, whether it's volunteering at a local non-profit, fundraising for a charitable organization, using a bank office to collect items to be shared with a local group, or participating in National Teach Children to Save Day (Friday, April 20).Forward will be working with veteran's groups in all markets, except Marshfield, to coordinate gathering tattered flags for respectful destruction and the sale of new flags. In Marshfield, we will be making a donation to a veterans group after Grand Opening festivities wrap up.Bankers will be using #BanksPowerWI on social media channels during their events across Wisconsin.The Wisconsin Bankers Association is the state's largest financial industry trade association, representing nearly 250 commercial banks and savings institutions, their nearly 2,300 branch offices and 23,000 employees.|/assets/thumb__1588095686-powerofcommunityweekbanner1024x408.jpg|746|None{{NEWLINE}}Is There Such a Thing as Wedding Insurance?|04/26/2018|"Insurance"|yes|is-there-such-a-thing-as-wedding-insurance||Weddings can be simple, but they rarely are. Most involve a million moving pieces, from the caterer to the florist to the unpredictable in-laws.
This massive event holds the potential for myriad mishaps. That&rsquo;s why wedding insurance is now available. This policy is a specialized type of event insurance that covers a wide range of disasters that could affect your big day. You can customize the policy to insure major damages to your venue or other aspects of your wedding.|Weddings can be simple, but they rarely are. Most involve a million moving pieces, from the caterer to the florist to the unpredictable in-laws.This massive event holds the potential for myriad mishaps. That&rsquo;s why wedding insurance is now available. This policy is a specialized type of event insurance that covers a wide range of disasters that could affect your big day. You can customize the policy to insure major damages to your venue or other aspects of your wedding.<h3>Enjoy protection with:</h3><ul><li>Event cancellation protection. What if the weather doesn&rsquo;t cooperate with your plans for a picturesque wedding at the park? What if the officiant becomes ill? This coverage insures deposits for rental cars, flowers, the cake, and more, in case circumstances beyond your control cause a cancellation or delay of the ceremony.</li><li>Special coverage. Are you concerned about your rings, gifts, photographs, or tuxedos? Wedding insurance can provide coverage for these costly items. If the best man loses the rings or the ring bearer spills grape juice on his lapel, wedding insurance can prove quite helpful.</li><li>Liability. Large events always carry the risk of property damage and personal injury. This coverage protects you from liability in the event your guests damage the venue or suffer injury. Public venues may have their own coverage for these situations, or they may require you to provide a policy.</li></ul>Compared to the price of the event, wedding insurance is typically quite affordable. If you encounter a hitch in your plans, this policy can help you save significant costs. If you&rsquo;re planning a wedding, consult with your insurance agent to determine the best coverage for your event. The right policy can provide peace of mind to help keep your feet steady as you walk down that aisle.|/assets/thumb__1588095757-weddinginsurance1024x615.jpg|748|None{{NEWLINE}}Digital Spring Cleaning|04/30/2018|"Security Tips"|yes|digital-spring-cleaning||The <a href="https://staysafeonline.org/" class="speedbump" target="_blank" rel="noopener">National Cyber Security Alliance (NCSA)</a> and <a href="https://www.bbb.org/en/us" class="speedbump" target="_blank" rel="noopener">Better Business Bureau (BBB)</a> are encouraging all consumers to freshen up their online lives by conducting a thorough cleaning of their cyber clutter. These easy, actionable tips from NCSA and the BBB will help you stay cyber safe and protect your personal data and identity.|The <a href="https://staysafeonline.org/" class="speedbump" target="_blank" rel="noopener">National Cyber Security Alliance (NCSA)</a> and <a href="https://www.bbb.org/en/us" class="speedbump" target="_blank" rel="noopener">Better Business Bureau (BBB)</a> are encouraging all consumers to freshen up their online lives by conducting a thorough cleaning of their cyber clutter. These easy, actionable tips from NCSA and the BBB will help you stay cyber safe and protect your personal data and identity.<ul><li>Keep a Clean Machine. Ensure all software on internet-connected devices &ndash; including PCs, smartphones and tablets &ndash; is up to date to reduce risk of infection from malware.</li><li>Lock Down Your Login. Your usernames and passphrase are not enough to protect key accounts like email, banking and social media. Begin your spring cleaning by fortifying your online accounts and enabling the strongest authentication tools available, such as biometrics, security keys or a unique one-time code through an app on your mobile device.</li><li>Declutter Your Mobile Life. Most of us have apps we no longer use and some that need updating. Delete unused apps and keep others current, including the operating system on your mobile devices.</li><li>Do a Digital File Purge. Perform a good, thorough review of your online files. Tend to digital records, PCs, phones and any device with storage just as you do for paper files. Get started by doing the following:<ul><li>Clean up your email: Save only those emails you really need and unsubscribe to email you no longer need/want to receive.</li><li>Back it up: Copy important data to a secure cloud site or another computer/drive where it can be safely stored. Passphrase protect backup drives. Always back up your files before getting rid of a device, too.</li></ul></li><li>Own Your Online Presence. Review the privacy and security settings on websites you use to ensure they're at your comfort level for sharing. It's OK to limit how and with whom you share information.</li><li><h3>Here are some user-friendly tips to help with the safe disposal of electronically stored data.</h3><ul><ul><li>Know What Devices to Digitally "Shred." Computers and mobile phones aren't the only devices that capture and store sensitive, personal data. External hard drives and USBs, tape drives, embedded flash memory, wearables, networking equipment and office tools like copiers, printers and fax machines all contain valuable personal information.</li><li>Clear Our Stockpiles. If you have a stash of old hard drives or other devices &ndash; even if they're in a locked storage area &ndash; information still exists and could be stolen. Don't wait: wipe and/or destroy unneeded hard drives as soon as possible.</li><li>Empty Your Trash Or Recycle Bin On All Devices And Be Certain To Wipe And Overwrite. Simply deleting and emptying the trash isn't enough to completely get rid of a file. Permanently delete old files using a program that deletes the data, "wipes" it from your device and overwrites it by putting random data in place of your information &acirc;ï¿½ï¿½ that then cannot be retrieved.</li><ul><li>For devices like tape drives, remove any identifying information that may be written on labels before disposal, and use embedded flash memory or networking or office equipment to perform a full factory reset and verify that no potentially sensitive information still exists on the device.</li></ul><li>Decide What To Do With The Device. Simply deleting and emptying the trash isn't enough to completely get rid of a file. Permanently delete old files using a program that deletes the data, "wipes" it from your device and overwrites it by putting random data in place of your information &acirc;ï¿½ï¿½ that then cannot be retrieved.</li></ul></ul><a href="https://staysafeonline.org/wp-content/uploads/2018/03/DSC-2018-Checklist.pdf" class="speedbump" target="_blank" rel="noopener">Download a Digital Declutter Checklist</a></li></ul>|/assets/thumb__1588096171-20180424.jpg|750|None{{NEWLINE}}Register to Win - Double Chair Bench & Fire Ring|06/04/2018|"News / Press Release"|yes|register-to-win-double-chair-bench-fire-ring|||<a href="https://www.surveymonkey.com/r/forward-register2win" class="speedbump" target="_blank" rel="noopener"><img class="fpo-image" src="/assets/1588097022-21571DStorageBarnentertowin1920x840updatedfor20181024x448.jpg" alt="Blog - Register to Win &ndash; Double Chair Bench &amp; Fire Ring" data-type="photo" data-id="752" /></a>Enter for a chance to win the Double Chair Bench and Fire Ring featured on the Forward parade float! Fill out the registration form here OR visit a branch near you. Bench built by Greenwood High School with supplies provided by Forward Bank. Fire Ring produced and donated by Colby Metal. Thank you!No purchase or payment necessary to enter or win. A purchase will not increase your chances of winning.This contest has ended.|||None{{NEWLINE}}6 Steps to a WHEDA Loan|06/08/2018|"Mortgage"|yes|6-steps-to-a-wheda-loan||Interested in buying a home? Start with WHEDA!
Buying a home is one of the biggest and most exciting decisions you'll make in your life. That's why it's important to get the best home loan available to match your financial situation. Let the WHEDA guide you toward your future home.|Interested in buying a home? Start with WHEDA!Buying a home is one of the biggest and most exciting decisions you'll make in your life. That's why it's important to get the best home loan available to match your financial situation. Let the WHEDA guide you toward your future home.<img class="fpo-image" src="/assets/1588168179-whedastep1.png" alt="Blog - 6 Steps to a WHEDA Loan - Step 1" data-type="photo" data-id="828" />Step 1: Manage Your MoneyHave your finances in order before applying for a loan. Know your credit score, as most WHEDA's programs require a minimum credit score of 620.<img class="fpo-image" src="/assets/1588168241-whedastep2.png" alt="Blog - 6 Steps to a WHEDA Loan - Step 2" data-type="photo" data-id="829" />Step 2: Find a LenderContact a WHEDA Participating Lender, like Forward Bank. Our <a href="/mortgages/meet-our-lenders/">mortgage lender team</a> will look at your monthly income, credit history, and debt level to qualify you for a WHEDA loan that best fits your needs.<img class="fpo-image" src="/assets/1588168254-whedastep3.png" alt="Blog - 6 Steps to a WHEDA Loan - Step 3" data-type="photo" data-id="830" />Step 3: Choose Your LoanWHEDA has loan programs tailored to your individual needs whether you are purchasing, refinancing, or first-time or repeat buyer.<img class="fpo-image" src="/assets/1588168275-whedastep4.png" alt="Blog - 6 Steps to a WHEDA Loan - Step 4" data-type="photo" data-id="831" />Step 4: Home Buyer EducationGet educated! First-time borrowers using a WHEDA loan are required to take a home buyer education class. Learn about the buying process, financing options, and being a responsible homeowner.<img class="fpo-image" src="/assets/1588168304-whedastep5.png" alt="Blog - 6 Steps to a WHEDA Loan - Step 5" data-type="photo" data-id="832" />Step 5: Shop For Your HomeGet pre-approved! Find out how much house you can afford narrows your search saving you time. After pre-approval, you can work with a qualified real estate professional to find a home in your target neighborhood and price range.<img class="fpo-image" src="/assets/1588168315-whedastep6.png" alt="Blog - 6 Steps to a WHEDA Loan - Step 6" data-type="photo" data-id="833" />Step 6: Become a HomeownerCongratulations! Closing is done, you are now officially a homeowner! Let WHEDA's Loan Servicing Team help you mange your WHEDA loan account via phone at 800-562-5546 or email servicing at wheda dot com.Contact a <a href="/mortgages/meet-our-lenders/">mortgage lender</a> or call us at 1-800-671-0942 to get started!|||None{{NEWLINE}}2018 Scholarship Recipients|06/11/2018|"Scholarship Recipients"|yes|2018-scholarship-recipients||Forward is proud of the close relationship that we have with our schools and our students. It has been our privilege to watch each graduating class excel as they've moved through their high school years. Our mission of Moving Our Communities Forward starts with helping students further their education and bring their knowledge back into their hometowns. Living up to that mission is why we are awarding scholarships in each of the communities that we serve.|Forward is proud of the close relationship that we have with our schools and our students. It has been our privilege to watch each graduating class excel as they've moved through their high school years. Our mission of Moving Our Communities Forward starts with helping students further their education and bring their knowledge back into their hometowns. Living up to that mission is why we are awarding scholarships in each of the communities that we serve.On behalf of the Board of Directors and Employees at Forward, we are proud to announce the 2018 Scholarship Recipients:<img class="fpo-image" src="/assets/1588168720-DylanaSchreinerAbbyScholarshipweb.jpg" alt="2018 Scholarship Recipients - Dylana Schreiner (Abbotsford High School); Presented by Gary Schraufnagel" data-type="photo" data-id="834" /> Dylana Schreiner (Abbotsford High School); Presented by Gary Schraufnagel<img class="fpo-image" src="/assets/1588168762-scholarshipSpencerLoganMannigel01web.jpg" alt="2018 Scholarship Recipients - Logan Mannigel (Spencer High School); Presented by Chris Damerell and Jill Scheppler" data-type="photo" data-id="835" /> Logan Mannigel (Spencer High School); Presented by Chris Damerell and Jill Scheppler<img class="fpo-image" src="/assets/1588168807-scholarshipStratfordSarahLaBorde01web.jpg" alt="2018 Scholarship Recipients - Sarah LaBorde (Stratford High School); Presented by Megan Rosandich" data-type="photo" data-id="836" /> Sarah LaBorde (Stratford High School); Presented by Megan Rosandich<img class="fpo-image" src="/assets/1588168864-MorganBarthweb.jpg" alt="2018 Scholarship Recipients - Morgan Barth (Thorp High School); Presented by Samantha Hubbard" data-type="photo" data-id="837" /> Morgan Barth (Thorp High School); Presented by Samantha Hubbard<img class="fpo-image" src="/assets/1588168904-StanleyCarlieNelsonweb.jpg" alt="2018 Scholarship Recipients - Carlie Nelson (Stanley High School); Presented by Mike Henke and Andrea Hazard" data-type="photo" data-id="838" /> Carlie Nelson (Stanley High School); Presented by Mike Henke and Andrea Hazard<img class="fpo-image" src="/assets/1588168940-ScholarshipWitheeHayleyGoesslweb.jpg" alt="2018 Scholarship Recipients - Hayley Goessl (Owen-Withee High School); Presented by Kelly Bogdonovich" data-type="photo" data-id="839" /> Hayley Goessl (Owen-Withee High School); Presented by Kelly Bogdonovich<img class="fpo-image" src="/assets/1588169393-GreenwoodNorthBriannaweb.jpg" alt="2018 Scholarship Recipients - Brianna North (Greenwood High School); Presented by Pam Delo" data-type="photo" data-id="840" /> Brianna North (Greenwood High School); Presented by Pam Delo<img class="fpo-image" src="/assets/1588169720-MedfordAbbySchultz.jpg" alt="2018 Scholarship Recipients - Abby Schultz (Medford High School); Presented by Molly Knoll" data-type="photo" data-id="841" /> Abby Schultz (Medford High School); Presented by Molly Knoll<img class="fpo-image" src="/assets/1588169758-AbbyMathisonweb.jpg" alt="2018 Scholarship Recipients - Lotzer Scholarship Recipient &ndash; Abigail Mathison (Thorp High School); Presented by Samantha Hubbard" data-type="photo" data-id="842" /> Lotzer Scholarship Recipient &ndash; Abigail Mathison (Thorp High School); Presented by Samantha HubbardDiscover more about our <a href="/community-giving/scholarship-program/">Scholarship Program</a>|||None{{NEWLINE}}Top 10 Insurance Blunders|06/27/2018|"Insurance"|yes|top-10-insurance-blunders||When it comes to buying insurance, what you don&rsquo;t know can hurt you. Learn how to identify the top 10 blunders and what to do to avoid them with these tips.|When it comes to buying insurance, what you don't know can hurt you. Learn how to identify the top 10 blunders and what to do to avoid them with these tips.1. Buying insurance on price alone.Although price is a key determinant on what insurance to buy its even more important to have a reliable company and agent available if a claim arises.Take time to look into the reputation and the rating of the insurance company by looking at third-party insurance rating companies like A.M. Best, Fitch Ratings, Weiss, or Standard &amp; Poor's. Make sure that the company will be there when you need them to be.(Tip: Investigate an insurance company's complaint ratio by visiting the National Association of Insurance Commissioners website.)2. Failure to fully understand your policy.Take time in evaluating your coverage and make sure you fully understand what is included in the policy. Exclusions, addendums, limitations, restrictions, and other "fine print" can make a big difference in price and coverage. Don't be afraid to ask questions! It's a part of business.(Tip: Actually read the policy and don't make assumptions.)3. Forgetting to update policies or make changes when needed.Life events require major updates to your insurance coverage; everything from marriage to taking an extended vacation may have insurance implications. Take time to plan in advance and notify your agent of any life changing events.(Tip: Don't forget to update your name, address, and phone number if you have relocated, change of marital status, employment, or other significant life event.)4. Making assumptions about your coverage.Many people "think" they have coverage when they don't. Common situations include taking a rental car out of the nation (car insurance limits), traveling out of the country (may not have life insurance), relocating (homeowners coverage may not cover belongings in transit) or other common exclusions.(Tip: Ask your agent! IF you have never taken the time to sit with your agent and talk about your insurance needs, assets and desired levels of protection make it a priority to do so.)5. Paying late and missing deadlines.If you are like most people then you might have a tendency to ignore all those reminders and updates sent from the insurance company; after all, they begin to look the same after a while. Big mistake! Take the time to open, review and act upon them. One of the most commonly encountered blunders is also the easiest to prevent &ndash; late payments! Don't allow your auto, homeowners or life insurance policy to be cancelled simply because you forgot the payment.(Tip: Sign up for automatic payment of your insurance policies to make sure they are always paid on time.)6. Skipping the important insurance products.Most people focus on those types of insurance required by law or a mortgage company: auto insurance, homeowners insurance and perhaps employment provided health insurance. Unfortunately, that often leaves you vulnerable to some of the most frequently encountered problems including liability claims, disability and of course... loss of income.(Tip: talk to your agent about affordable rates for frequent used insurances such as disability, life, long-term care, personal liability, and supplemental health and drug coverage.)7. Failure to insure valuables separately.Most homeowner policies have limits on jewelry, computers, electronic equipment and other valuables including business or hobby related items. Adding additional coverage for valuables is easy and inexpensive &ndash; just ask your agent about a rider to the existing policy.(Tip: Take inventory of your belongings.)8. Duplicating insurance.It's particularly easy to duplicate coverage especially if you tend to use different providers for auto, home, life, health and other coverage. One of the benefits of working with one agent is the ability to coordinate coverage, have one primary point of contact for all your insurance needs and eliminate duplicate coverage (which also will save money!).(Tip: When looking to buy insurance, ask your agent for multiple policy discounts if you switch all your policies to one provider.)9. Buying before obtaining quotes.Avoid unpleasant surprises and costly premiums by obtaining insurance quotes prior to making a major purchase. Not only will you have a better idea of how to budget for the new purchase but it often makes you aware of prior damages or other issues that can be hard to spot.(Tip: Always obtain an insurance quote on the exact home, car, boat, or other major item before making the purchase.)10. Naming title and other troubles.What's in a name? A Lot! Another commonly encountered and easily overlooked insurance blunder is how a policy, beneficiary or title is recorded. Names matter especially when it comes to legal transactions. Areas most prone to problems include beneficiaries, ownership of real estate, cars, automobiles or other major investments as well as health or personal care coverage.(Tip: Always use legal names and verify that each policy includes the item and owner(s) or beneficiary including social security number or other proper identification.)|/assets/thumb__1588173721-familyhappyfamily2web.jpg|844|None{{NEWLINE}}Trying to sell your home?|07/12/2018|"Personal Banking"|yes|trying-to-sell-your-home||Are you trying to sell your home? Here are some tips to use to speed up the process of selling your home for the price you want!|Are you trying to sell your home? Here are some tips to use to speed up the process of selling your home for the price you want!Hire a real estate agent and follow their advice There are some home owners who try to sell their homes on their own but in order for them to sell quickly and maximize their profit, an agent is the way to go. The knowledge that an agent has on pricing and marketing your home is a talent that most do not have.Boost your curb appeal An easy way to boost your curb appeal is just giving your front door a fresh coat of paint. Another tip is to add hanging baskets and planters to your front of your home and reseed your lawn. A home that looks well cared for is more inviting to future buyers.Stage it If you have the budget and want to sell fast, allow a professional stager to come and work their magic with your home. Cost too much? Here are some other tricks: Get rid of personal items, use mirrors to create illusions of light throughout your home, add pillows and blankets to seating, and add flowers or plants to each room.Be flexible Selling fast means maximizing the number of buyers coming to see your house, therefore be willing to vacate your house on a moments notice. Work with your agent to create as many viewing times as possible.|/assets/thumb__1588174541-iStock8815038481000px72dpi.jpg|846|None{{NEWLINE}}Nathan Bilodeau Joins Forward Bank as Relationship Manager|07/16/2018|"Forward Family|News / Press Release"|yes|nathan-bilodeau-joins-forward-bank-as-relationship-manager||Nathan Bilodeau has joined the Forward Bank team in Medford as a Relationship Manager. As a Relationship Manager, he will focus on guiding customers through the consumer, mortgage and small business lending processes.|<img class="fpo-image" src="/assets/1588174788-NathanBilodeauweb.jpg" alt="Blog - Nathan Bilodeau Joins Forward Bank as Relationship Manager" data-type="photo" data-id="848" />Nathan Bilodeau has joined the Forward Bank team in Medford as a Relationship Manager. As a Relationship Manager, he will focus on guiding customers through the consumer, mortgage and small business lending processes.Bilodeau has over eight years of banking experience, most recently in the Appleton area. He was active in the Appleton area as a member of the Appleton Jaycees, PULSE, and Best Friends of Neenah Menasha. He has started to reach out to the Medford community through Rotary and coaching Medford High School JV Boys Soccer."We are excited to have our Medford team grow with Nathan's addition," said Dave Clark, Executive Vice President of Forward Bank. "His energy and experience is a perfect addition to our service team, and I'm confident that our community will enjoy his approach to helping customers."Bilodeau has recently moved to Medford with his wife Megan. He's enjoying what the area offers for biking, fishing, soccer and car shows.|||None{{NEWLINE}}Helping Students Succeed: School Supply Drive 2018|07/25/2018|"Community Giving"|yes|helping-students-succeed-school-supply-drive-2018||Forward Bank and its employees are dedicated to seeing our youth have the tools they need to thrive during the school year. Forward is participating in the annual United Way "Supplies 4 Success" Backpack &amp; School Supply Drive, as well as Stuff the Bus.|Forward Bank and its employees are dedicated to seeing our youth have the tools they need to thrive during the school year. Forward is participating in the annual United Way "Supplies 4 Success" Backpack &amp; School Supply Drive, as well as Stuff the Bus.<h3>Supplies 4 Success &ndash; Backpack &amp; School Supply Drive (July 23 &ndash; August 5)</h3><img class="fpo-image" src="/assets/1588175290-supplies4success.jpg" alt="Blog - Helping Students Succeed: School Supply Drive 2018 - Supplies4Success" data-type="photo" data-id="850" />The "Supplies 4 Success" Backpack &amp; School Supply Drive is intended to help all area students prepare to be ready to learn and succeed in the upcoming school year. Please consider donating to any of the supplied needed below. *Cash donations are also welcome. This program helps students in the following districts: Auburndale, Granton, Greenwood, Loyal, Marshfield, Neillsville, Pittsville, Spencer, and Stratford.School Supplies Needed:<ul><li>Backpacks</li><li>Colored Pencils</li><li>Crayons (24 count)</li><li>Spiral Notebooks (wide-lined)</li><li>Pencils</li><li>Pencil Top Erasers</li><li>Folders</li><li>Glue Sticks</li><li>Glue Bottle</li><li>Index Cards (3&times;5)</li><li>Loose-Leaf Paper</li><li>Pencil Box or Zipper Pouch</li><li>Composition Notebooks</li><li>Markers</li><li>1.5 Inch Binders</li></ul>Drop donations off at the Marshfield or Greenwood offices.For more information, contact Marshfield Area United Way at 715-384-9992, email unitedway at tznet dot com or visit <a href="https://www.marshfieldareaunitedway.org" class="speedbump" target="_blank" rel="noopener">www.marshfieldareaunitedway.org</a><h3>Stuff the Bus (Withee &amp; Medford):</h3><img class="fpo-image" src="/assets/1588175317-stuffthebusweb.jpg" alt="Blog - Helping Students Succeed: School Supply Drive 2018 - Stuff The Bus" data-type="photo" data-id="851" />Won't you help to give a child a fresh start this school year? Your donation helps disadvantaged students with new school supplies to assist them in their studies and helps build self-esteem and confidence to pursue their dreams later in life. Help us stuff the bus with much needed school supplies for the children in the Owen-Withee and Medford School Districts! All donations will stay in the local community.School Supplies Needed:<ul><li>Backpacks</li><li>Pencil Box or Pouch</li><li>Crayons (24 count)</li><li>Colored Pencils</li><li>No. 2 Pencils</li><li>Pencil Sharpener</li><li>Erasers</li><li>Glue or Glue Sticks</li><li>Highlighters</li><li>Child-Safe Scissors</li><li>Ballpoint Pens</li><li>Folders</li><li>1-Subject Notebooks</li><li>Kleenex</li><li>Rulers</li><li>Post-it Notes</li><li>Lunch Boxes or Bags</li><li>Calculators</li><li>Text Book Covers</li></ul>Drop your donations off at Forward Bank in Withee or Medford.|||None{{NEWLINE}}Forward Bank Supports School Athletic Programs with $5,000 Touchdown Throw Contest|08/01/2018|"Community Giving"|yes|forward-bank-supports-school-athletic-programs-with-5000-touchdown-throw-contest||Forward Bank will be holding a $5,000 touchdown throw at 8 local high school football games this fall. To support the mission of giving back to the community, half of the overall prize will be given to the school athletic program.|Forward Bank will be holding a $5,000 touchdown throw at 8 local high school football games this fall. To support the mission of giving back to the community, half of the overall prize will be given to the school athletic program.Each fan at participating High School Football games will be eligible to attempt the $5,000 touchdown throw into a 32-gallon barrel in the corner of the end zone. The lucky participant will be selected at random from the crowd to attempt the throw from the 15-yard line and can choose which corner they would like to throw to. If successful, the passer will receive $2,500 and $2,500 will be donated to the athletic program on their behalf. There is no cost to participate."We are excited to continue our partnerships with our school athletic programs and support our student athletes with this revitalized donation opportunity," commented Bill Sennholz, President/CEO of Forward Bank. "In the past 3 years of hosting field goal kicks, we have had 5 winners throughout our marketplace! By changing the kick to a throw, we hope to have even more winners."Forward Bank will be at the following games:<ul><li>Abbotsford Falcons &ndash; August 17</li><li>Greenwood Indians &ndash; August 31</li><li>Colby Hornets &ndash; September 14</li><li>Marshfield Tigers &ndash; September 14</li><li>Stanley/Boyd Orioles &ndash; September 28</li><li>Owen Withee Blackhawks &ndash; October 5</li><li>Medford Red Raiders &ndash; October 5</li><li>Thorp Cardinals &ndash; October 12</li></ul>Please support your local High School football programs and you could have the opportunity to throw a $5,000 touchdown pass!Learn more about our <a href="/community-giving/cooperative-programs/">Cooperative Programs</a> and <a href="/community-giving/">view videos</a> from previous events.Updated 9/5/2018|||None{{NEWLINE}}Winners of the 2019 Employee Calendar Photo Contest|08/02/2018|"Forward Family"|yes|winners-of-the-2019-employee-calendar-photo-contest||A few months ago we challenged all of the Forward employees to get out their cameras and capture the beauty, history, people, and character of our communities. They accepted the challenge and submissions were voted on internally by employees and a "fan vote" was facilitated through a Facebook photo album.|A few months ago we challenged all of the Forward employees to get out their cameras and capture the beauty, history, people, and character of our communities. They accepted the challenge and submissions were voted on internally by employees and a "fan vote" was facilitated through a Facebook photo album.There were over 30 photo submitted by 17 different employees, but there are only 12 spots available in our calendar. Here are the winners:Thanks again to everyone who participated and helped make this contest a success! Stay tuned for the arrival of these custom calendars later this fall, which will be available at all of our branch locations.<img class="fpo-image" src="/assets/1588176062-GeneKnollMedfordGreenFrogweb.jpg" alt="Blog - Winners of the 2019 Employee Calendar Photo Contest - Green Frog" data-type="photo" data-id="854" /> Gene Knoll (Medford) &ndash; "Green Frog"<img class="fpo-image" src="/assets/1588176089-JenniferSobottaMedfordFlagsoverthemillpondspillwaylweb.jpg" alt="Winners of the 2019 Employee Calendar Photo Contest - Flags Over Millpond" data-type="photo" data-id="855" /> Jennifer Sobotta (Medford) "Flags Over Millpond..."<img class="fpo-image" src="/assets/1588176116-AngieDomineHewittWalkingBikingTrailweb1.jpg" alt="Winners of the 2019 Employee Calendar Photo Contest - Hewitt Walking Trail" data-type="photo" data-id="856" /> Angie Domine (Marshfield) &ndash; "Hewitt Walking Trail"<img class="fpo-image" src="/assets/1588176142-BilliTollersMarshfieldEauPlaineinJulyweb.jpg" alt="Winners of the 2019 Employee Calendar Photo Contest - Eau Plaine in July" data-type="photo" data-id="857" /> Billi Tollers (Marshfield) &ndash; "Eau Plaine in July"<img class="fpo-image" src="/assets/1588176161-MollyKnollMedfordNovemberSunsetweb.jpg" alt="Winners of the 2019 Employee Calendar Photo Contest - November Sunset" data-type="photo" data-id="858" /> Molly Knoll (Medford) &ndash; "November Sunset"<img class="fpo-image" src="/assets/1588176182-ShariKaiserMarshfieldSunsetnearSpencerweb.jpg" alt="Winners of the 2019 Employee Calendar Photo Contest - Sunset Near Spencer" data-type="photo" data-id="859" /> Shari Kaiser (Marshfield) &ndash; "Sunset Near Spencer"<img class="fpo-image" src="/assets/1588176198-AbigailMathisonThorpMapleStSunflowersweb.jpg" alt="Winners of the 2019 Employee Calendar Photo Contest - Sunflowers" data-type="photo" data-id="860" /> Abigail Mathison (Thorp) &ndash; "Sunflowers"<img class="fpo-image" src="/assets/1588176214-MarisaSteinbachMarshfieldsoccerweb.jpg" alt="Winners of the 2019 Employee Calendar Photo Contest - Soccer" data-type="photo" data-id="861" /> Marisa Steinbach (Marshfield) &ndash; "Soccer"<img class="fpo-image" src="/assets/1588176230-JoAnnaYeagerStanleyWinteryWonderlandweb.jpg" alt="Winners of the 2019 Employee Calendar Photo Contest - Wintery Wonderland" data-type="photo" data-id="862" /> JoAnna Yeager (Stanley) &ndash; "Wintery Wonderland"<img class="fpo-image" src="/assets/1588176261-SaraBlumeWitheeHueyLeweyDeweyweb.jpg" alt="Winners of the 2019 Employee Calendar Photo Contest - Huey, Lewey, &amp; Dewey" data-type="photo" data-id="863" /> Sara Blume (Withee) &ndash; "Huey, Lewey, &amp; Dewey"<img class="fpo-image" src="/assets/1588176290-KarenBergWausauBalloonFestweb.jpg" alt="Winners of the 2019 Employee Calendar Photo Contest - Wausau Balloon Fest" data-type="photo" data-id="864" /> Karen Berg (Colby) &ndash; "Wausau Balloon Fest"<img class="fpo-image" src="/assets/1588176314-JessicaReslerSunriseintheWoodsColbyweb.jpg" alt="Winners of the 2019 Employee Calendar Photo Contest - Sunrise in the Woods" data-type="photo" data-id="865" /> Jessica Resler (Colby) &ndash; "Sunrise in the Woods"See all submissions for the <a href="https://www.facebook.com/media/set/?set=a.1617440195044422.1073741830.205977532857369&amp;type=1&amp;l=ce69a7b102" class="speedbump" target="_blank" rel="noopener">2019 Calendar Photo Contest</a>|||None{{NEWLINE}}2018 Parade Drawing Winner Announced|08/15/2018|"Community Giving|News / Press Release"|yes|2018-parade-drawing-winner-announced||Forward is pleased to announce the winner of the Double Chair Bench and Fire Ring from our 2018 Parade Drawing is Christina Kurtz Pogodzinski from Withee! Christina's name was randomly drawn from over 1,500 entries that were collected over the past few months. Entries were collected at our <a href="/locations/">7 branch locations</a> as well as online.|Forward is pleased to announce the winner of the Double Chair Bench and Fire Ring from our 2018 Parade Drawing is Christina Kurtz Pogodzinski from Withee! Christina's name was randomly drawn from over 1,500 entries that were collected over the past few months. Entries were collected at our <a href="/locations/">7 branch locations</a> as well as online.Congrats Christina!<img class="fpo-image" src="/assets/1588176740-Winnerweb20180815140900.jpg" alt="Blog - 2018 Parade Drawing Winner Announced" data-type="photo" data-id="867" /> Left to Right: Christina Kurtz Pogodzinski, Tanya Ovyn, Leah Shakal|||None{{NEWLINE}}How First-Time Buyers Can Make a Wise Buy|08/22/2018|"Mortgage"|yes|how-first-time-buyers-can-make-a-wise-buy||Buying your first home is a big step and one that is likely to impact your financial future for years to come. Follow these steps to determine where to begin.|Buying your first home is a big step and one that is likely to impact your financial future for years to come. Follow these steps to determine where to begin.<h3>How to Make a Good Buying Decision</h3><ul><li>Establish a Realistic Budget. The costs of owning a home are more than meets the eye. In addition to mortgage, taxes and insurance, a little savings should be set aside for maintenance and unexpected emergencies. Remember, you will eventually need to repair or replace many items in the home, including appliances, HVAC and roof.</li><li>Buy What You Need. While real estate is often considered an excellent investment, it's important to purchase only as much home as you actually need. Bigger isn't always better; sometimes it's simply more expensive. Higher taxes, bigger insurance bills and more maintenance can eat away at even the best budgets.</li><li>Plan for Growth. First-time home buyers can also be too modest when it comes to purchasing their first house. If you intend to start a family, you may quickly outgrow the home. Plan for growth to ensure that you will be as happy in the home tomorrow as you are today.</li><li>Understand Appreciation. Although you don't want to base the purchase of your home solely upon appreciation, it's equally important to understand how the future value of your home is likely to impact your ability to move up later in life. When the time comes to sell, rent or exchange the current property, a home with long-term appreciation provides greater buying options in the future. Search for neighborhoods expected to rise in value over time.</li><li>Work with a Reputable Agent. A great real estate agent or broker is often worth his or her weight in gold, which is why you will typically find that investors would never think of going it alone. Unfortunately, many first-time buyers are under the mistaken impression that they can save money by helping the seller eliminate or reduce the commission. Research shows that this is rarely the case. Most agents help negotiate a lower sales price and ensure that funding, necessary paperwork and other important legal considerations are all taken care of.</li></ul><h3>How to Avoid the Most Common Buying Blunders</h3><ol><li>Get to Know the Neighborhood. One of the biggest mistakes new home buyers make is to fall in love with the home without taking the time to critically evaluate the neighborhood. Do your homework to make sure schools, amenities and other important factors meet expectations. Remember, it's a decision likely to impact your entire family for years to come.</li><li>Always Obtain an Independent Inspection. Don't be penny-wise and pound-foolish by trying to save a few hundred dollars on an inspection. In fact, it's typically a good idea to pay out of pocket for additional inspections to ensure that you won't be confronted with expensive repairs or hidden defects.</li><li>Obtain Insurance Quotes Prior to Making an Offer. Obtain insurance quotes on each and every home of interest; two homes of the same age and quality of construction can differ dramatically on the cost of insurance coverage due to prior claims, neighborhood and other factors. Calculate the total cost of home ownership, not just the minimum monthly mortgage payment, when comparing homes. Contact a Forward Insurance agent today for more information.</li><li>Verify New Tax Rates. Don't assume the tax rate enjoyed by the current homeowner will be your new tax rate; many areas have caps that limit the amount of property tax increases at any given time. If the seller has owned the home for several years, it is entirely possible the new tax rate may be substantially higher despite the recent reductions in sales price.</li></ol><h3>Where to Begin</h3>If you have been contemplating the purchase of a home but aren't sure where to begin, it's actually easier than you might imagine. Just follow these simple steps to get started.<ol><li>Sit Down and Put Two Headings on the Top of the Page: Needs and Wants. Allow each person in the family to offer ideas about what is needed versus what is wanted. Common examples of needs might be a specific number of bedrooms or bathrooms for a growing family, a fenced yard for the dog and children to play, or a shed for holding gardening tools. Common wants might include a pool, a porch or a corner lot. Allow the needs and wants to reflect your specific desires and goals for the family for a minimum of five to seven years into the future.</li><li>Get Prequalified. Find out for certain how much you will be able to borrow and at what rate. Ask if you are eligible for any special programs to help reduce down-payments or other costs. Contact a <a href="/mortgages/meet-our-lenders/">Mortgage Lender Expert</a> or visit our <a href="https://forwardbank.mortgagewebcenter.com/">Mortgage Center</a> to start an application online.</li><li>Shop Online. View properties in your price range and desired zip code to see what is available. Take time to explore nearby neighborhoods to see if they will also meet your needs. Sign up for email notification of new listings in order to keep track of what is on the market.</li><li>Find an Agent. By this point you will begin to notice that some agents tend to specialize in your desired area of interest. Set aside time to call and email for more information. Remember, the agent is one of the most important factors in the buying process. Many specialize in certain areas, work with specific lending programs or have other expertise that can make the difference between finding the home of your dreams versus living through a nightmare.</li></ol>This article and any information contained herein is intended for informational purposes only and should not be construed as legal advice. The publisher will not be responsible for errors or omissions or any damages, howsoever caused, that result from its use. Seek competent legal counsel for advice on any legal matter.|/assets/thumb__1588176930-youngwomannewhomemortgageholdingkeyhousegirliStock640228668web.jpg|869|None{{NEWLINE}}Forward Bank & Forward Insurance Donates $15,000 to Thorp Athletic Booster Club|08/29/2018|"Community Giving"|yes|forward-bank-forward-insurance-donates-15000-to-thorp-athletic-booster-club||Forward Bank and Forward Insurance donates $15,000 to the Thorp Athletic Booster Club to support the remodeling project and addition to the Thorp School. Specifically the funds will be used for the new weight room and fitness center.|Forward Bank and Forward Insurance donates $15,000 to the Thorp Athletic Booster Club to support the remodeling project and addition to the Thorp School. Specifically the funds will be used for the new weight room and fitness center.<img class="fpo-image" src="/assets/1588178610-FBIMG1534776333459.jpg" alt="Blog - Forward Bank &amp; Forward Insurance Donates $15,000 to Thorp Athletic Booster Club" data-type="photo" data-id="871" />Many of the Forward staff in Thorp are Alumni of Thorp High School and are always looking for ways to give back to the place that has impacted their lives so positively. So, it was an easy call when the Thorp Athletic Booster Club President, Rob Krzyanowski approached Forward Bank and Forward Insurance for a donation to the project."A donation of this magnitude is part of our mission to give back to our community," commented Samantha Hubbard, Office Manager for Forward Bank. "Our community support is how we pay dividends to our owners. Instead of sending checks to individuals, we invest in our community with projects like this."|||None{{NEWLINE}}What Should You Do with an Old Life-Insurance Policy?|09/04/2018|"Insurance"|yes|what-should-you-do-with-an-old-life-insurance-policy||Life insurance is easy to forget when you don't need it. As you near retirement, it might be a good time to reevaluate your needs. Is your old policy &mdash; possibly purchased decades ago &mdash; still serving a purpose?|Life insurance is easy to forget when you don't need it. As you near retirement, it might be a good time to reevaluate your needs. Is your old policy &mdash; possibly purchased decades ago &mdash; still serving a purpose?Life insurance is important as we start our adult lives &mdash; get married, buy homes, have children. That's because we want to provide for our loved ones should a tragic accident or illness prohibit us from providing financial assistance. But then life goes on. Our children grow up. We pay off our mortgages. We retire, and we're living (hopefully) comfortable lives provided by our Social Security income and retirement savings. But we have these old life-insurance policies, and we're still paying premiums for them. What should we do?One option is to simply stop paying premiums and let the policy lapse. The money you paid in premiums could be used in a number of other ways that are more beneficial given your current life circumstances. For example, you could use the proceeds to pay down any debt you have. You could use the money to add to your nest egg, investing it in a manner that will, hopefully, grow over time. Or you could invest it in long-term care insurance (or a dedicated "rainy day" fund to be used for long-term expenses, should you need them as you age). Of course, the policy may still benefit you. Just because you have no children living at home doesn't mean you don't need life insurance.Think of all the ways the people in your life could be affected by your death, and ask yourself how your life-insurance proceeds would help them. If you can come up with enough ways, it might be worth keeping your policy in effect and reevaluating in another one to five years.This article and any information contained herein is intended for informational purposes only and should not be construed as legal advice. The publisher will not be responsible for errors or omissions or any damages, howsoever caused, that result from its use. Seek competent legal counsel for advice on any legal matter.|/assets/thumb__1588178718-maturecoupleoldwomanmanhughappyiStock51410983272dpweb.jpg|873|None{{NEWLINE}}Dave Krause Receives John Finney Lifetime Award|09/05/2018|"Forward Family|News / Press Release"|yes|dave-krause-receives-john-finney-lifetime-award||When a family has a child being treated for cancer, it quickly becomes a daily struggle just to hold everything that matters together. For families under such constant stress, Joshua's Camp is a very special retreat with a life-renewing mission. This camp would become a second home for Dave Krause and his family.|<img class="fpo-image" src="/assets/1588178946-DaveKrauseJohnFinneyLifetimeAwardweb.jpg" alt="Blog - Dave Krause Receives John Finney Lifetime Award" data-type="photo" data-id="875" />When a family has a child being treated for cancer, it quickly becomes a daily struggle just to hold everything that matters together. For families under such constant stress, Joshua's Camp is a very special retreat with a life-renewing mission. This camp would become a second home for Dave Krause and his family.Dave Krause, VP/Commercial Lender at Forward Bank, became involved with Joshua's Camp after his son Will was diagnosed with Leukemia in 2012. Their child life specialist suggested they attend Joshua's Camp, which was brand new at the time."It was an amazing experience for all of us," commented Krause. "As a parent many times you feel as if you are fighting this battle alone, HIPPA does not allow your care team to introduce you to others that are experiencing similar issues. JC has no limitations, so you are encouraged to talk with the other families and develop relationships."Joshua Camp also focuses on the whole family and offers everyone the opportunity to step back, relax, and experience the feeling of solid ground. "Our son Ben was just as important as Will was, but during treatment, siblings are sort of forgotten," said Krause. "John Finney, JC Founder, always said the childhood cancer was a family disease fought in the body of a child."After Krause's first camp in April 2012, Finney approached him about serving on the board that was being established for Joshua's Camp. "I, of course said yes," recalls Krause. "I didn't know I would be named President of the board that has no term limits!"On Saturday, August 25 at the annual "Evening on the Stage" fundraiser, Krause was presented with the John Finney Lifetime Award for his work on the Joshua's Camp Advisory Board and for establishing structure to an organization that truly started at a kitchen table. The award is fondly named after John Finney, who lost his battle to cancer in January 2015."We're proud of Dave's accomplishments and his dedication to an organization that is very near to his heart," commented Bill Sennholz, President/CEO at Forward Bank. "This a great example of an employee taking the time and energy to make a difference in our communities and the lives of the people who live here."|||None{{NEWLINE}}Why Life Insurance Equals Love for Newlyweds|09/11/2018|"Insurance"|yes|why-life-insurance-equals-love-for-newlyweds||While it might not seem like the most romantic part of planning a future life of matrimonial bliss, it could be one of the most important. Life insurance is an essential part of creating a future together and making sure the one you love is provided for in any situation.|While it might not seem like the most romantic part of planning a future life of matrimonial bliss, it could be one of the most important. Life insurance is an essential part of creating a future together and making sure the one you love is provided for in any situation.The first step in purchasing life insurance is to decide on the type of policy. There are essentially two primary types: whole life and term. Whole-life insurance tends to be more expensive but has a cash value that can offset a portion of the cost of the policy. Term life insurance is more affordable but has little to no cash value at the end of the term. Most term life insurance can be purchased for one to 45 years' duration.Young, healthy and Non-Smoking People Get the Best Rates. Lock in the best prices while you are able. As with most insurance policies, the time to buy is when you least expect to need it.Buy a Policy for Everyone. Even if only one person is working while the other is in college or remains home with children, it&rsquo;s important to plan ahead. Consider the cost of replacing the help the other person contributes. Don&rsquo;t forget to purchase enough to replace the lost income over a lifetime, not just the current level of expenditures or earnings.Understand Taxes and other Obligations. Life insurance provided by an employer is good, but a self-purchased policy is often better. Not only does it remain in effect if you switch jobs, but it&rsquo;s not taxable in the event of a settlement.This article and any information contained herein is intended for informational purposes only and should not be construed as legal advice. The publisher will not be responsible for errors or omissions or any damages, howsoever caused, that result from its use. Seek competent legal counsel for advice on any legal matter.|/assets/thumb__1588179175-02222018weddingse1536676457168.jpg|877|None{{NEWLINE}}Life Insurance 101: Choosing the Right Policy|09/18/2018|"Insurance"|yes|life-insurance-101-choosing-the-right-policy||Cracking the complex and confusing lingo of life insurance can be a chore. Following is a tutorial that might help.|Cracking the complex and confusing lingo of life insurance can be a chore. Following is a tutorial that might help:Term Life: Term life insurance provides basic protection in the event of an untimely death. It can be purchased in various durations, ranging from five to 35 years. There are various types of term life policies, including level, annual renewable and mortgage insurance. Some term life policies are guaranteed renewable, while others are not.Permanent Life: Unlike term life, which may expire at the end of the original duration without having ever paid a claim, permanent life insurance remains in effect until the policy matures. It also builds cash value in addition to the face value of the death benefit. There are several forms of permanent life insurance, including whole life, universal life, limited pay and endowment.Whole Life: Whole life insurance combines a level premium with cash value and guaranteed death benefit. Although typically more expensive to fund in the initial stages, whole life policies are typically less expensive for those who intend to hold a policy for 20 years or longer, due to the increased dividend payments that offset the cost of premiums later in the life of the policy.Universal Life: Universal life insurance provides permanent coverage and higher rates of return in exchange for a decreasing cash amount. Premiums tend to be flexible, and death benefits may also be modified in keeping with the ability and needs of the policyholder.Limited Pay: Limited pay is a less commonly used form of permanent life insurance that locks in a payment period by which all premiums must be completed.Endowments: Endowments are a form of life insurance that tend to be more expensive due to a reduced payment period. The cash value of the policy is expected to equal the death benefit by a specified period or age. Over funding certain whole life policies could result in the Internal Revenue Service designating a policy a Modified Endowment Plan and subject to different tax rules and rates.When in doubt, speak to your agent about the right policy for your life stage.This article and any information contained herein is intended for informational purposes only and should not be construed as legal advice. The publisher will not be responsible for errors or omissions or any damages, howsoever caused, that result from its use. Seek competent legal counsel for advice on any legal matter.|/assets/thumb__1588179339-LifeInsuranceweb.jpg|879|None{{NEWLINE}}Don't Forget Life Insurance for the Stay-at-Home Spouse|09/24/2018|"Insurance"|yes|dont-forget-life-insurance-for-the-stay-at-home-spouse||One of the common misconceptions surrounding life insurance is that the working spouse is the only person who should be insured. If you or your spouse stays at home with the children it is essential to calculate the equivalent cost of replacing that support in order to maintain your standard of living in the event of a major loss.|One of the common misconceptions surrounding life insurance is that the working spouse is the only person who should be insured. If you or your spouse stays at home with the children it is essential to calculate the equivalent cost of replacing that support in order to maintain your standard of living in the event of a major loss.Make a list of what it would cost to provide care and support if your spouse was not at home. Common examples include day care and babysitting fees, meal preparation or the cost of purchasing meals outside the home, transportation, tutoring, housecleaning, and errands. Remember, it is rare or even impossible for one spouse to do it all alone.Once you have created the entire list, be sure to add in the rate of anticipated inflation. Based upon the age of your children, determine what the total cost of care will be until they are grown. Healthcare and education tend to rise faster than the general inflation rate, so leave wiggle room.Don't forget yourself. While it's important to preserve the quality of life for your children, it is equally important to add in the loss of companionship and care that will impact the surviving spouse. Couples benefit from the help and assistance afforded by the relationship: everything from travel to and from medical appointments to a second income that would provide an additional layer or protection for couples as they age. Include the long-term impact and cost to your own quality of life when considering the total amount of life insurance to purchase.This article and any information contained herein is intended for informational purposes only and should not be construed as legal advice. The publisher will not be responsible for errors or omissions or any damages, howsoever caused, that result from its use. Seek competent legal counsel for advice on any legal matter.|/assets/thumb__1588179543-kidsrunningintohousehomefamilyiStock61376545072dpi.jpg|881|None{{NEWLINE}}Forward Bank Named Best Banks for Second Year|10/01/2018|"News / Press Release"|yes|forward-bank-named-best-banks-for-second-year||Forward Bank has been named one of the Best Banks to Work For in 2018 by American Banker magazine. This annual ranking recognizes the financial institutions that are committed to investing in employees' job satisfaction, career development and personal growth &ndash; a 'return on assets' that can be hard to measure by traditional means.|<img class="fpo-image" src="/assets/1588181076-IMG8010.jpg" alt="Blog - Forward Bank Named Best Banks for Second Year" data-type="photo" data-id="883" />Forward Bank has been named one of the Best Banks to Work For in 2018 by American Banker magazine. This annual ranking recognizes the financial institutions that are committed to investing in employees' job satisfaction, career development and personal growth &ndash; a 'return on assets' that can be hard to measure by traditional means.Determining the Best Banks to Work For involves a two-step process. The first step involves an evaluation of participating companies' workplace policies, practices, and demographics. In the second step, employee surveys are conducted to directly assess the experiences and attitudes of individual employees with respect to their workplace. Best Companies Group managed the survey, analyzed the data, and used their expertise to determine the final ranking."Being honored with this award for the second year in a row is proof we are continuing to do the right things," commented Bill Sennholz, President &amp; CEO of Forward Bank. "If you want to know if your employees love coming to work every day, and if you want to know if trust, respect, and communication permeate the culture, just ask the employees. We made this list because our employees said we belong here."Survey results discussed family atmosphere, community involvement, encouragement to have fun in the workplace, and employee feelings of being valued and appreciated. Forward employees favorite activities include: celebrating special occasions like birthdays and anniversaries and hosting contests for best costume or ugly sweater! Forward Bank was also recognized for their unique Pay It Forward program whereby employees experiencing a family emergency or personal hardship can apply for financial assistance from funds which have been donated by their co-workers through payroll deduction and fundraising events.Full results of this year's program are available at <a href="https://www.americanbanker.com/" class="speedbump" target="_blank" rel="noopener">American Banker</a> and in the September issue of American Banker Magazine.|||None{{NEWLINE}}Phish or Spam? No, it's not what's for dinner!|10/02/2018|"Security Tips"|yes|phish-or-spam-no-its-not-whats-for-dinner||Phish or Spam? No, it's not what's for dinner! However, it could be a question you struggle with when deciding what types of email to report to your IT department. Potentially malicious emails make it to your inbox every day, so it's important for you to understand the difference between a Phishing email and a Spam email.|Phish or Spam? No, it's not what's for dinner! However, it could be a question you struggle with when deciding what types of email to report to your IT department. Potentially malicious emails make it to your inbox every day, so it's important for you to understand the difference between a Phishing email and a Spam email.This Email Seems Phishy Phishing is the process of attempting to acquire sensitive information (such as usernames, passwords, and credit card details) by pretending to be a trustworthy entity. Most commonly, phishing emails will try to lure you into clicking on a link or opening an attachment.Phishing emails can appear to come from reputable businesses or even departments and users from within your own organization. They often have a sense of urgency to them. Some may even use shock and intimidation to get what they want.If you come to the conclusion you've been sent a phishing email, we strongly recommend that you report the email to your IT department for their review.<ul><li>Be cautious about opening attachments or clicking on links in emails. Even your friend or family members' accounts could be hacked. Files and links can contain <a href="https://www.consumer.ftc.gov/articles/0011-malware" class="speedbump" target="_blank" rel="noopener">malware</a> that can weaken your computer's security.</li><li>Do your own typing. If a company or organization you know sends you a link or phone number, don't click. Use your favorite search engine to look up the website or phone number yourself. Even though a link or phone number in an email may look like the real deal, scammers can hide the true destination.</li><li>Make the call if you're not sure. Do not respond to any emails that request personal or financial information. Phishers use pressure tactics and prey on fear. If you think a company, friend or family member really does need personal information from you, pick up the phone and call them yourself using the number on their website or in your address book, not the one in the email.</li><li>Turn on two-factor authentication. For accounts that support it, two-factor authentication requires both your password and an additional piece of information to log in to your account. The second piece could be a code sent to your phone, or a random number generated by an app or a token. This protects your account even if your password is compromised. As an extra precaution, you may want to choose more than one type of second authentication (e.g. a PIN) in case your primary method (such as a phone) is unavailable.</li><li>Back up your files to an external hard drive or cloud storage. Back up your files regularly to protect yourself against viruses or a ransomware attack.</li><li>Keep your security up to date. Use security software you trust, and make sure you set it to update automatically.</li></ul>Spam Alert Spam is unsolicited, unwanted email typically sent for marketing purposes. It is often trying to sell you something, such as unwanted goods or services &ndash; but, it is not asking you to take specific action. Although spam can be annoying, it is common to receive it in your business email. These types of emails do not typically need to be reported, unless you believe they pose a threat to your organization. In most cases, spam email can simply be deleted or ignored.Note: Always follow your organization's policy regarding what type of email to report in case it differs from the above.Report phishing emails and texts.<ul><li>Forward phishing emails to spam at uce dot gov &ndash; and to the organization impersonated in the email. Your report is most effective when you include the full email header, but most email programs hide this information. To ensure the header is included, search the name of your email service with "full email header" into your favorite search engine.</li><li>File a report with the Federal Trade Commission at <a href="https://ftc.gov/complaint" class="speedbump" target="_blank" rel="noopener">FTC.gov/complaint</a>.</li><li>Visit <a href="https://identitytheft.gov" class="speedbump" target="_blank" rel="noopener">Identitytheft.gov</a>. Victims of phishing could become victims of identity theft; there are steps you can take to minimize your risk.</li><li>You can also report phishing email to reportphishing at apwg dot org. The Anti-Phishing Working Group &ndash; which includes ISPs, security vendors, financial institutions and law enforcement agencies &ndash; uses these reports to fight phishing.</li></ul>This article and any information contained herein is intended for informational purposes only. The publisher will not be responsible for errors or omissions or any damages, howsoever caused, that result from its use.Sources: KnowB4, Federal Trade Commission|/assets/thumb__1588181621-phishing1.jpg|885|None{{NEWLINE}}Home Maintenance - Tips for Fall|10/03/2018|"Mortgage|Personal Banking"|yes|home-maintenance--tips-for-fall||When the last of summer's heat is a faint memory, and you're pulling out your hoodies more than your shorts, it's time to tackle a few simple chores that'll make winter more pleasant and prevent some nasty surprises next spring.|When the last of summer's heat is a faint memory, and you're pulling out your hoodies more than your shorts, it's time to tackle a few simple chores that'll make winter more pleasant and prevent some nasty surprises next spring.This fall checklist helps:<h3>#1 Clean and Stow Your Mower</h3>If you're not familiar with fuel stabilizer, get to know it. If your mower sits for months with gas in its tank, the gas will slowly deteriorate, which can damage internal engine parts. Fuel stabilizer ($10 for a 10-ounce bottle) prevents gas from degrading. Add stabilizer to your gasoline can to keep spare gas in good condition over the winter, and top off your mower tank with stabilized gas before you put it away for the winter. Run the mower for five minutes to make sure the stabilizer reaches the carburetor.Another <a href="https://www.houselogic.com/news/lawns/lawn-mower-care-sharpen-blade-clean-cut/" target="_blank" rel="noopener" class="speedbump">lawn mower care</a> method is to run your mower dry before stowing it.<ol><li>When the mower is cool, remove the spark plug and pour a cap full of engine oil into the spark plug hole.</li><li>Pull the starter cord a couple of times to distribute the oil, which keeps pistons lubricated and ensures an easy start come spring.</li><li>Turn the mower on its side and clean out accumulated grass and gunk from the mower deck.</li></ol><h3>#2 Remove Garden Hoses From Faucets</h3>Remove garden hoses from outdoor faucets. Leaving hoses attached can cause water to back up in the faucets and in the plumbing pipes just inside your exterior walls. If freezing temps hit, that water could freeze, expand, and crack the faucet or pipes. Make this an early fall priority so a sudden cold snap doesn't sneak up and cause damage.Turn off any shutoff valves on water supply lines that lead to exterior faucets. That way, you'll guard against minor leaks that may let water enter the faucet.While you're at it, drain garden hoses and store them in a shed or garage.<h3>#3 Drain Your Sprinkler System</h3>Time to drain your irrigation system. Even buried irrigation lines can freeze, leading to busted pipes and broken sprinkler heads.<ol><li>Turn off the water to the system at the main valve.</li><li>Shut off the automatic controller.</li><li>Open drain valves to remove water from the system.</li><li>Remove any above-ground sprinkler heads and shake the water out of them, then replace.</li></ol>If you don't have drain valves, then hire an irrigation pro to blow out the systems pipes with compressed air. A pro is worth the $75 to $150 charge to make sure the job is done right, and to ensure you don't have busted pipes and sprinkler head repairs to make in the spring.<h3>#4 Seal Air Leaks</h3>Grab a couple of tubes of color-matched exterior caulk ($5 for a 12-ounce tube) and make a journey around your home's exterior, sealing up cracks between trim and siding, around window and door frames, and where pipes and wires enter your house. Preventing moisture from getting inside your walls is one of the least expensive &mdash; and most important &mdash; of your fall maintenance jobs. You'll also seal air leaks that waste energy.Pick a nice day when temps are above 50 degrees so caulk flows easily.<h3>#5 De-Gunk Your Gutters</h3>Clogged rain gutters can cause ice dams, which can lead to expensive repairs. After the leaves have fallen, <a href="https://www.houselogic.com/home-advice/roofing-gutters-siding/how-to-clean-rain-gutters/" target="_blank" rel="noopener" class="speedbump">clean your gutters</a> to remove leaves, twigs, and gunk. Make sure gutters aren't sagging and trapping water; tighten gutter hangers and downspout brackets. Replace any worn or damaged gutters and downspouts.If you find colored grit from asphalt roof shingles in your gutters, beware. That sand-like grit helps protect shingles from the damaging ultraviolet rays of the sun. Look closely for other signs of roof damage (#5, below); it may be time for a roofing replacement.Your downspouts should extend at least 5 feet away from your house to prevent foundation problems. If they don't, add downspout extensions; $10 to $20 each.<h3>#6 Eyeball Your Roof</h3>If you have a steep roof or a multistory house, stay safe and use binoculars to inspect your roof from the ground.Look for warning signs: Shingles that are buckled, cracked, or missing; rust spots on flashing. Any loose, damaged, or missing shingles should be replaced immediately.Black algae stains are just cosmetic, but masses of moss and lichen could signal roofing that's decayed underneath. Call in a pro roofer for a $50 to $100 eval.A plumbing vent stack usually is flashed with a rubber collar &mdash; called a boot &mdash; that may crack or loosen over time. They'll wear out before your roof does, so make sure they're in good shape. A pro roofer will charge $75 to $150 to replace a boot, depending on how steep your roof is.<h3>#7 Direct Your Drainage</h3>Take a close look at the soil around your <a href="https://www.houselogic.com/maintenance-repair/preventative-home-maintenance/foundations/" target="_blank" rel="noopener" class="speedbump">foundation</a> and make sure it slopes away from your house at least 6 vertical inches over 10 feet. That way, you'll keep water from soaking the soils around your foundation, which could lead to cracks and leaks.Be sure soil doesn't touch your siding.<h3>#8 Check Your Furnace</h3>Schedule an appointment with a heating and cooling pro to get your heating system checked and tuned up for the coming heating season. You'll pay $50 to $100 for a checkup.An annual maintenance contract ensures you're at the top of the list for checks and shaves 20% off the cost of a single visit.Change your furnace filters, too. This is a job you should do every two months anyway, but if you haven't, now's the time. If your HVAC includes a built-in humidifier, make sure the contractor replaces that filter.<h3>#9 Prune Plants</h3>Late fall is the best time to prune plants and trees &mdash; when the summer growth cycle is over. Your goal is to keep limbs and branches at least 3 feet from your house so moisture won't drip onto roofing and siding, and to prevent damage to your house exterior during high winds.For advice on pruning specific plants in your region, check with your <a href="http://www.csrees.usda.gov/Extension/" target="_blank" rel="noopener" class="speedbump">state extension service</a>.<h3>#10 Give Your Fireplace a Once-Over</h3>To <a href="https://www.houselogic.com/home-advice/fireplaces-chimneys/how-make-sure-your-fireplace-safe/" target="_blank" rel="noopener" class="speedbump">make sure your fireplace is safe</a>, grab a flashlight and look up inside your fireplace flue to make sure the damper opens and closes properly. Open the damper and look up into the flue to make sure it's free of birds' nests, branches and leaves, or other obstructions. You should see daylight at the top of the chimney.Check the firebox for cracked or missing bricks and mortar. If you spot any damage, order a professional fireplace and chimney inspection. An inspection costs $79 to $500.You fireplace flue should be cleaned of creosote buildup every other year. A professional chimney sweep will charge $150 to $250 for the service.This article and any information contained herein is intended for informational purposes only. The publisher will not be responsible for errors or omissions or any damages, howsoever caused, that result from its use.Source: www.houselogic.com|/assets/thumb__1588182314-fallhomemaintenance.jpg|887|None{{NEWLINE}}Online Dating Scams|10/05/2018|"Security Tips"|yes|online-dating-scams||Has an online love interest asked you for money? That's a scam.|<img class="fpo-image" src="/assets/1588182952-Infographiconlinedatingscams.png" alt="Blog - Online Dating Scams" data-type="photo" data-id="889" />Has an online love interest asked you for money? That's a scam.Scammers know millions of people use online dating sites. They are there, too, hiding behind fake profiles.<h3>Signs of a Scam</h3><ul><li>Professes love quickly.</li><li>Claims to be from the U.S., but is overseas for business or military service.</li><li>Asks for money, and lures you off the dating site.</li><li>Claims to need money - for emergencies, hospital bills, or travel.</li><li>Plans to visit, but can't because of an emergency.</li></ul>$220 million lost in 2016 and Reports to the FBI tripled over 5 years.<h3>What to Do</h3><ol><li>Slow down - and talk to someone you trust. Don't let a scammer rush you.</li><li>Never wire money, put money on a gift or cash reload card, or send cash to an online love interest. You won't get it back.</li><li>Contact your bank right away if you think you've sent money to a scammer.</li><li>Report your experience to:<ul><li>The online dating site</li><li>Federal Trade Commission: <a href="https://ftc.gov/complaint" class="speedbump" target="_blank" rel="noopener">ftc.gov/complaint</a></li><li>Federal Bureau of Investigation: <a href="https://ic3.gov" class="speedbump" target="_blank" rel="noopener">ic3.gov</a></li></ul></li></ol>Learn more at <a href="https://ftc.gov/imposters" class="speedbump" target="_blank" rel="noopener">ftc.gov/imposters</a> and <a href="https://aba.com/engagement" class="speedbump" target="_blank" rel="noopener">aba.com/engagement</a>.|||None{{NEWLINE}}ATM Safety Tips|10/09/2018|"News / Press Release"|yes|atm-safety-tips||These tips are meant to make you aware that although rare, ATM crime can happen. Preventing such a crime must be a cooperative effort between you and your bank.|<h3>Protecting Your ATM Card</h3><ul><li>Always protect your ATM card and keep it in a safe place, just like you would cash, credit cards or checks.</li><li>Do not leave your ATM card lying around the house or on your desk at work. No one should have access to the card but you. Immediately notify your bank if it is lost or stolen.</li><li>Keep your Personal Identification Number (PIN) a secret. Never write it down anywhere, especially on your ATM card.</li><li>Never give any information about your ATM card or PIN over the telephone. For example, if you receive a call, supposedly from your bank or possibly the police, wanting to verify your PIN, do not give that information. Notify the police immediately.</li></ul><h3>Using an ATM</h3><ul><li>Be aware of your surroundings, particularly at night. If you observe or sense suspicious persons or circumstances, do not use the machine at that time.</li><li>Have your ATM card ready and in your hand as you approach the ATM. Don't wait to get to the ATM and then take your card out of your wallet or purse.</li><li>Visually inspect the ATM for possible skimming devices. Potential indicators can include sticky residue or evidence of an adhesive used by criminals to affix the device, scratches, damaged or crooked pieces, loose or extra attachments on the card slot, or noticeable resistance when pressing the keypad.&gt;</li><li>Be careful that no one can see you enter your PIN at the ATM. Use your other hand or body to shield the ATM keyboard as you enter your PIN into the ATM.</li><li>To keep your account information confidential, always take your receipts or transaction records with you.</li><li>Do not count or visually display any money you received from the ATM. Immediately put your money into your pocket or purse and count it later.</li><li>If you are using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked. If you leave your car and walk to the ATM, lock your car.</li></ul><h3>Special Precautions for Using an ATM at Night</h3><ul><li>Park close to the ATM in a well-lighted area.</li><li>Take another person with you, if at all possible.</li><li>If the lights at the ATM are not working, don't use it.</li><li>If shrubbery has overgrown or a tree blocks the view, select another ATM and notify your bank.</li></ul><h3>ATM Crime</h3>These tips are meant to make you aware that although rare, ATM crime can happen. Preventing such a crime must be a cooperative effort between you and your bank.This article and any information contained herein is intended for informational purposes only. The publisher will not be responsible for errors or omissions or any damages, howsoever caused, that result from its use.Sources: American Bankers Association|/assets/thumb__1588183716-ATMSafetyFeaturedImage11024x535.jpg|891|None{{NEWLINE}}Protecting Yourself Online|10/15/2018|"Security Tips"|yes|protecting-yourself-online||Though the internet has many advantages, it can also make users vulnerable to fraud, identity theft and other scams. According to a Norton Cybercrime Report, 143 million U.S. consumers were victims of cybercrime in 2017. The American Bankers Association recommends the following tips to keep you safe online:|Though the internet has many advantages, it can also make users vulnerable to fraud, identity theft and other scams. According to a Norton Cybercrime Report, 143 million U.S. consumers were victims of cybercrime in 2017. The American Bankers Association recommends the following tips to keep you safe online:<ul><li>Keep your computers and mobile devices up to date. Having the latest security software, web browser, and operating system are the best defenses against viruses, malware, and other online threats. Turn on automatic updates so you receive the newest fixes as they become available.</li><li>Establish passwords. A strong password is at least eight characters in length and includes a mix of upper and lowercase letters, numbers, and special characters.</li><li>Watch out for phishing scams. Phishing scams use fraudulent emails and websites to trick users into disclosing private account or login information. Do not click on links or open any attachments or pop-up screens from sources you are not familiar with.</li><ul><li>Forward phishing emails to the Federal Trade Commission (FTC) at spam at uce dot gov &ndash; and to the company, bank, or organization impersonated in the email.</li></ul><li>Recognize and avoid bogus website links. Cybercriminals embed malicious links to download malware onto devices and/or/ route users to bogus websites. Hover over suspicious links to view the actual URL that you are being routed to. Fraudulent links are often disguised by simple changes in the URL. For example: www.ABC-Bank.com vs ABC_Bank.com</li><li>Keep personal information personal. Hackers can use social media profiles to figure out your passwords and answer those security questions in the password reset tools. Lock down your privacy settings and avoid posting things like birthdays, addresses, mother's maiden name, etc. Be wary of requests to connect from people you do not know.</li><li>Secure your internet connection. Always protect your home wireless network with a password. When connecting to public Wi-Fi networks, be cautious about what information you are sending over it. Consider using a Virtual Private Network (VPN) app to secure and encrypt your communications when connecting to a public Wi-Fi network. (See the <a href="https://www.consumer.ftc.gov/blog/2018/02/shopping-vpn-app-read?utm_source=govdelivery" class="speedbump" target="_blank" rel="noopener">Federal Trade Commission's tips for selecting a VPN app</a>.)</li><li>Shop safely. Before shopping online, make sure the website uses secure technology. When you are at the checkout screen, verify that the web address begins with https. Also, check to see if a tiny locked padlock symbol appears on the page.</li><li>Read the site's privacy policies. Though long and complex, privacy policies tell you how the site protects the personal information it collects. If you don't see or understand a site's privacy policy, consider doing business elsewhere.</li></ul>This article and any information contained herein is intended for informational purposes only. The publisher will not be responsible for errors or omissions or any damages, howsoever caused, that result from its use.Sources: American Bankers Association|/assets/thumb__1588184004-memberslogin.jpg|893|None{{NEWLINE}}Correct Way to Dispose of Old Computers|10/24/2018|"Security Tips"|yes|correct-way-to-dispose-of-old-computers||Getting rid of your old computer? You can ensure its hard drive doesn't become a treasure chest for identity thieves. Use a program that overwrites or wipes the hard drive many times. Or remove the hard drive, and physically destroy it.|Getting rid of your old computer? You can ensure its hard drive doesn't become a treasure chest for identity thieves. Use a program that overwrites or wipes the hard drive many times. Or remove the hard drive, and physically destroy it.<h3>Understand Your Hard Drive</h3>Computers often hold personal and financial information, including:<ul><li>passwords</li><li>account numbers</li><li>license keys or registration numbers for software programs</li><li>addresses and phone numbers</li><li>medical and prescription information</li><li>tax returns</li><li>files created automatically by browsers and operating systems</li></ul>When you save a file, especially a large one, it is scattered around the hard drive in bits and pieces. When you open a file, the hard drive gathers the bits and pieces and reconstructs them.When you delete a file, the links to reconstruct the file disappear. But the bits and pieces of the deleted file stay on your computer until they're overwritten, and they can be retrieved with a data recovery program. To remove data from a hard drive permanently, the hard drive needs to be wiped clean.<h3>How to Clean a Hard Drive</h3>Before you clean a hard drive, save the files you want to keep to:<ul><li>a USB drive</li><li>a CD-Rom</li><li>an external hard drive</li><li>a new computer</li></ul>Check your owner's manual, the manufacturer's website, or its customer support service for information on how to save data and transfer it to a new computer.Utility programs to wipe a hard drive are available both online and in stores where computers are sold. These programs generally are inexpensive; some are available on the internet for free. These programs vary:<ul><li>Some erase the entire disk, while others allow you to select files or folders to erase.</li><li>Some overwrite or wipe the hard drive many times, while others overwrite it only once.</li></ul>Consider using a program that overwrites or wipes the hard drive many times; otherwise, the deleted information could be retrieved. Or remove the hard drive, and physically destroy it.If you use your home or personal computer for business purposes, check with your employer about how to manage the information on your computer that's business-related. The law requires businesses to follow data security and disposal requirements for certain information that's related to customers.<h3>How to Dispose of Your Computer</h3>Recycle it.Many computer manufacturers have programs to recycle computers and components. Check their websites or call their toll-free numbers for more information. The Environmental Protection Agency (EPA) has information about electronic product recycling programs. Your local community may have a recycling program, too. Check with your county or local government, including the local landfill office for regulations.Donate it.Many organizations collect old computers and donate them to charities.Resell it.Some people and organizations buy old computers. Check online.Remember, most computer equipment contains hazardous materials that don't belong in a landfill. For example, many computers have heavy metals that can contaminate the earth. The EPA recommends that you check with your local health and sanitation agencies for ways to dispose of electronics safely.This article and any information contained herein is intended for informational purposes only. The publisher will not be responsible for errors or omissions or any damages, howsoever caused, that result from its use.Sources: Federal Trade Commission &ndash; Consumer Information|/assets/thumb__1588184546-oldcomputer.jpg|895|None{{NEWLINE}}Forward Bank Continues Contests at Local Schools to Support Athletic Programs|11/06/2018|"Community Giving"|yes|forward-bank-continues-contests-at-local-schools-to-support-athletic-programs||Forward Bank will be holding $5,000 half-court shots at 9 local high school basketball games and 2 hockey games again! To support the mission of giving back to the community, half of the overall prize will be given to the school athletic program.|Forward Bank will be holding $5,000 half-court shots at 9 local high school basketball games and 2 hockey games again! To support the mission of giving back to the community, half of the overall prize will be given to the school athletic program.<img class="fpo-image" src="/assets/1588191460-PhotoDec1584755PMedit1.jpg" alt="Blog - Forward Bank Continues Contests at Local Schools to Support Athletic Programs" data-type="photo" data-id="897" />"We are excited to continue our partnership with our local school athletic program and support our student athletes with this unique donation opportunity," commented Bill Sennholz, President/CEO of Forward Bank. "To make this the best year yet, we encourage communities to join us at the games to support our student athletes and watch as one lucky fan at each event attempts to make a shot worth $5,000. We hope to have many winners this season!"Each fan attending a participating high school basketball game will be entered into a random drawing for the shot. The attempt will be from half-court with $2,500 going to the shooter and $2,500 going to the school if the shot is successful. A similar set up and process will be used for the hockey games as well.Forward Bank will be at the following basketball/hockey games:<ul><li>Thorp Cardinals &ndash; November 27</li><li>Colby Hornets &ndash; November 30</li><li>Abbotsford Falcons &ndash; December 6</li><li>Marshfield Tigers (Hockey) &ndash; December 14</li><li>Columbus Dons &ndash; December 18</li><li>Medford Red Raiders &ndash; January 4</li><li>Owen-Withee Blackhawks &ndash; January 10</li><li>Stanley/Boyd Orioles &ndash; January 18</li><li>Marshfield Tigers &ndash; January 22</li><li>Medford Raiders (Hockey) &ndash; January 28</li><li>Greenwood Indians &ndash; February 5</li></ul>Please support your local high school athletic programs by attending these games and you could have the opportunity to win $2,500 for yourself and $2,500 for the school!Learn more about <a href="/community-giving/cooperative-programs/">Cooperative Programs</a>|||None{{NEWLINE}}Are You Covered for 2019? Don't Miss the Deadline!|11/26/2018|"Insurance"|yes|are-you-covered-for-2019-dont-miss-the-deadline||It's a busy time of year. The holidays have rushed in and you're probably swamped with shopping, decorating, parties, and visits from the in-laws. In the midst of year-end chaos, don't miss an important deadline. Open Enrollment for 2019 coverage under the <a href="https://www.healthcare.gov/" target="_blank" rel="noopener" class="speedbump">Affordable Care Act (ACA)</a> ends on Saturday, December 15.|It's a busy time of year. The holidays have rushed in and you're probably swamped with shopping, decorating, parties, and visits from the in-laws. In the midst of year-end chaos, don't miss an important deadline. Open Enrollment for 2019 coverage under the <a href="https://www.healthcare.gov/" target="_blank" rel="noopener" class="speedbump">Affordable Care Act (ACA)</a> ends on Saturday, December 15.Have you signed up for a plan for next year? If not, contact your insurance provider right away to make sure you have coverage when the calendar flips to 2019. ACA coverage is provided through the <a href="https://www.healthcare.gov/" target="_blank" rel="noopener" class="speedbump">Health Insurance Marketplace</a> for those who don't have health insurance through another source, such as an employer or Medicare. Cost for the insurance is based on your income.Your <a href="/insurance/meet-our-agents/">insurance agent</a> can walk you through the various options available and help you complete the necessary paperwork. To sign up for a plan, you'll need information about the size of your household, basic contact information and social security numbers for those being covered, employer information, income amounts, and current policy numbers if you have 2018 coverage.<img class="fpo-image" src="/assets/1588191860-2019openenrollmentcalendar1024x577.png" alt="Blog - Are You Covered for 2019? Don't Miss the Deadline!" data-type="photo" data-id="899" />What happens if you miss the deadline? Certain individuals may qualify for a Special Enrollment Period. Others may be eligible for an extension. For example, those whose current plan was discontinued and those who have had certain life events, such as getting married, usually qualify for an extension. Additionally, some states offer state-based marketplaces that have deadlines later than December 15. Areas affected by hurricanes have also been given extensions.Contact your <a href="/insurance/meet-our-agents/">agent</a> to determine if you qualify for any of these special circumstances and to get your coverage process underway.|||None{{NEWLINE}}Protect Yourself from Gift Card Scam|12/06/2018|"Security Tips"|yes|protect-yourself-from-gift-card-scam||It is being reported that several old and reliable scams are circulating in the area. These have included email impersonations of executives requesting gift cards for the holidays, human resource record requests, payroll information changes, and fraudulent local sports fundraising campaigns.|It is being reported that several old and reliable scams are circulating in the area. These have included email impersonations of executives requesting gift cards for the holidays, human resource record requests, payroll information changes, and fraudulent local sports fundraising campaigns.With the holiday season these activities usually peak.A few businesses in the area have fallen victim to this scam. We encourage you to advise your staff to watch the email addresses requesting gift card purchases and pay close attention to unusual requests from internal personnel, dealing with customers, and personally.Be safe out there!|/assets/thumb__1588192545-ScamAlert.jpg|902|None{{NEWLINE}}$5,000 Half Court Shot Winner in Abbotsford|12/11/2018|"Community Giving"|yes|5000-half-court-shot-winner-in-abbotsford||The Forward Bank $5,000 Half Court Shot finds success in Abbotsford!
All attendees of the Abbotsford versus Pittsville basketball game on Thursday, December 6th were given a free ticket by the Forward Bank team on their way into the game. At half-time a ticket was drawn at random and Adam Seefluth was given two attempts to make the shot from half court, but he would only need one.|The Forward Bank $5,000 Half Court Shot finds success in Abbotsford!All attendees of the Abbotsford versus Pittsville basketball game on Thursday, December 6th were given a free ticket by the Forward Bank team on their way into the game. At half-time a ticket was drawn at random and Adam Seefluth was given two attempts to make the shot from half court, but he would only need one.The crowd cheered as Seefluth effortlessly threw up his first shot and the ball "swished" through the net! He will be receiving a check from Forward Bank for $2,500 and the Abbotsford Athletic program will receive a check for $2,500 as well. One shot makes two winners in Abbotsford!<img class="fpo-image" src="/assets/1588192773-Abbotsford5Khalfcourtshotwinner2018.jpg" alt="Blog - $5,000 Half Court Shot Winner in Abbotsford" data-type="photo" data-id="904" />"These types of events encourage our communities to come out and support our student athletes," commented Gary Schraufnagel, VP/Ag Lender in Colby "It is also a unique way for us to connect with our communities while giving back in a fun and exciting way!"Half court shots are occurring at high school basketball games in each of the communities Forward Bank serves. Upcoming shots include Columbus on December 18, Medford on January 4, Owen-Withee on January 10, Stanley-Boyd on January 18, Marshfield on January 22, and Greenwood on February 5. Shots in Thorp and Colby have already occurred.Please support your local high school athletic programs by attending these games and you could have the opportunity to win $2,500 for yourself and $2,500 for the school!Learn more about <a href="/community-giving/cooperative-programs/">Cooperative Programs</a>|||None{{NEWLINE}}Forward Bank Employees Band Together For $22,000 Towards the Annual United Way Campaign|12/18/2018|"Community Giving"|yes|forward-bank-employees-band-together-for-22000-towards-the-annual-united-way-campaign||The Forward Bank team was proud to present the Marshfield Area United Way with a check for $22,000. The donation is the largest gathered by the employees of Forward, and it includes the proceeds of the annual employee drive and the company match.|The Forward Bank team was proud to present the Marshfield Area United Way with a check for $22,000. The donation is the largest gathered by the employees of Forward, and it includes the proceeds of the annual employee drive and the company match.<img class="fpo-image" src="/assets/1588192908-20181211082956cropweb.jpg" alt="Blog - Forward Bank Employees Band Together For $22,000 Towards the Annual United Way Campaign" data-type="photo" data-id="906" /> (Left to Right) Jan Sterzinger, Sandy Klatt, Paula Jero (United Way Executive Director), Rob Mort, Bill Sennholz, Jessica Mannigel"Our employees continue to dream up new ways to challenge each other and give more to the United Way," said Bill Sennholz, President &amp; CEO of Forward Bank. "The contests in 2018 allowed our team to share their talents and showcase their generosity. With many of our staff volunteering as part of local non-profits, they fully understand the important role that the United Way plays in healthy and strong communities."Events this year included a Draw Your Boss Contest, Raffle Basket Drawing, and Cribbage Tournament.|||None{{NEWLINE}}Forward is Moving North|12/27/2018|"News / Press Release"|yes|forward-is-moving-north||On December 4, 2018, Forward Bank and First National Bank of Park Falls entered into an agreement, pursuant to which First National Bank will merge with and into Forward Bank. It is currently anticipated that Forward Bank will assume operations of the First National Bank branches in Phillips and Park Falls in the spring of 2019.|On December 4, 2018, Forward Bank and First National Bank of Park Falls entered into an agreement, pursuant to which First National Bank will merge with and into Forward Bank. It is currently anticipated that Forward Bank will assume operations of the First National Bank branches in Phillips and Park Falls in the spring of 2019.Substantially all deposit accounts including checking, savings, Money Market, Certificates of Deposit and IRAs, as well as substantially all loan accounts and safe deposit boxes will be transferred to Forward Bank. The transaction, which is subject to regulatory approval, is expected to be completed in May of 2019.Additional information will be available in the coming weeks and months.|||None{{NEWLINE}}Making Sense of Tax Deferral in Annuities|01/03/2019|"Investments"|yes|making-sense-of-tax-deferral-in-annuities||Fixed annuities offer a guaranteed stream of income for a specified period of time or for life. One of the main benefits of these products is the way they are taxed. Specifically, money that you invest in an annuity grows tax-deferred until withdrawal. But why invest in an annuity instead of another tax-deferred vehicle, such as a 401(k) plan or an individual retirement accounts (IRA)?|First, there are no annual contribution limits for annuities as there are for most retirement plans. In 2019, you can contribute a maximum of $6,000 ($7,000 if you are 50 or older) to traditional IRAs and Roth IRAs, and a maximum of $19,000 ($25,000 if you are 50 or older) to deferred-contribution plans, such as 401(k), 403(b), and 457 plans. That allows you to save more money for retirement.Second, annuities offer a guaranteed income stream for life. This can be particularly compelling for individuals who are concerned about market volatility, to which their other retirement plans are exposed. That said, how are annuities taxed? All of the money you invest in an annuity compounds, or builds upon itself. You don&rsquo;t receive any sort of tax bill until you eventually make withdrawals, at which time some taxes will be owed, but the taxes will likely be less than if you had put the money in a taxable investment.For example, if you make an annuity payment as a lump sum, the income taxes due will be calculated on the difference between the amount you paid into the annuity and its value when you take distributions.In other words, if you invest $100,000 into an annuity, and that annuity is worth $250,000 when you retire at age 65, you will owe taxes on your gain of $150,000.The IRS considers those gains ordinary income, not investment gains. This could prove highly beneficial as you weigh your investment options.This material has been prepared for informational purposes only and is not intended to provide and should not be relied on for tax, legal, or accounting advice. We will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from use of this information. Seek competent professional advice and/or legal counsel.|/assets/thumb__1588193569-Annuities1024x683.jpg|909|None{{NEWLINE}}How to Change Your Life Insurance Beneficiary|01/16/2019|"Insurance"|yes|how-to-change-your-life-insurance-beneficiary||If you have dependents, such as children or a nonworking spouse, you probably have a life insurance policy. We hope you do. But it is important to remember that as your life circumstances change, your policy needs to change as well.|If you have dependents, such as children or a nonworking spouse, you probably have a life insurance policy. We hope you do. But it is important to remember that as your life circumstances change, your policy needs to change as well.When you purchased a life insurance policy, you named at least one beneficiary (the person or people who will receive the proceeds of the policy in the event of your death, usually a spouse, child, or another relative for whom you would like to provide).While you chose the amount of the life insurance benefits and the beneficiary when you purchased the policy, you may be able to alter them during your lifetime, depending on the designation type you chose at the time of policy issuance.Specifically, when you purchased your policy, you probably chose the type of beneficiary designation: revocable or irrevocable. A revocable designation allows you to change beneficiaries after the policy is in force, while an irrevocable designation does not allow you to do so without the consent of the beneficiary.Most policies have a revocable beneficiary designation.Why would you want to change your beneficiary designation? A variety of circumstances can warrant this action.You might want to change a beneficiary if the life circumstances of the person or people you support have changed. Perhaps you have had a child or adopted one. Perhaps someone in your family has died, and you do not need to support that person (or you need to support that person's children). Perhaps you have divorced. Perhaps a child has reached adulthood and no longer needs your support.Because there are so many variables that can affect your policy, it is a good idea to review your personal circumstances each year to determine whether a change needs to be made.If it does, changing your beneficiary designation is usually an easy task. Simply contact the insurance company and ask how to proceed.This article and any information contained herein is intended for informational purposes only and should not be construed as legal advice. The publisher will not be responsible for errors or omissions or any damages, howsoever caused, that result from its use. Seek competent legal counsel for advice on any legal matter.|/assets/thumb__1588194625-Happycouplewithchildren.jpg|911|None{{NEWLINE}}Forward Bank is Sharing the Love with Local Charities & Non-Profits|01/24/2019|"Community Giving"|yes|forward-bank-is-sharing-the-love-with-local-charities-non-profits||Local charities are a key component in keeping our communities strong. They fill unique and important niches in helping us all with the educational, spiritual, cultural, social and health aspects of our lives. To provide a consistent donation stream for our local charities on behalf of our customers, we've created the <a href="/personal/savings-cds-iras/charitable-money-market-account/">Charitable Money Market Account (CMMA)</a>. Since its inception we've given over $841,000 to 200+ worthwhile organizations!|Local charities are a key component in keeping our communities strong. They fill unique and important niches in helping us all with the educational, spiritual, cultural, social and health aspects of our lives. To provide a consistent donation stream for our local charities on behalf of our customers, we've created the <a href="/personal/savings-cds-iras/charitable-money-market-account/">Charitable Money Market Account (CMMA)</a>. Since its inception we've given over $841,000 to 200+ worthwhile organizations!<img class="fpo-image" src="/assets/1588194891-ForwardBankCMMAHannahCenter1024x768.jpg" alt="Blog - Forward Bank is Sharing the Love with Local Charities &amp; Non-Profits" data-type="photo" data-id="913" />"The Board, Management and Staff at Forward are dedicated to maintaining strong and healthy communities through charitable giving and volunteering. Our customers see the important role that charitable organizations play in our communities, and they find ways like the CMMA program to support them," said Bill Sennholz, CEO/President at Forward Bank.To open and maintain a CMMA, all the customer needs to do is open the account, designate a participating non-profit organization, school, or church, and keep a balance in their account throughout the year. At the end of the calendar year, Forward Bank will make a donation to the designated charity on behalf of the customer based on their average account balance.<h3>Open a CMMA today to start saving for yourself and your favorite charity!</h3><img class="fpo-image" src="/assets/1588195342-SchoolDistrictofOwenWitheeCMMA2768x561.jpg" alt="Blog - Forward Bank is Sharing the Love with Local Charities &amp; Non-Profits - Sara Blume &amp; Bob Houts (School District of Owen-Withee)" data-type="photo" data-id="914" /> Sara Blume &amp; Bob Houts (School District of Owen-Withee)Get - Checking Account with these features:<ul><li>No minimum deposit to open</li><li>No monthly fee</li><li>No minimum to earn interest</li><li>Free online banking</li><li>Fee debit/ATM card</li><li>Free direct deposit</li><li>Free bill pay</li></ul>Save &ndash; Earn interest at a competitive rate similar to a savings account with the convenience of a checking account. Check out <a href="/personal/deposit-rates/#checking-accounts">current rates</a>.Give &ndash; Forward will make a donation to a charity on your behalf based on your average balance &ndash; no money is taken from your account.Open your CMMA at a <a href="/locations/">location</a> near you or <a href="https://uopen.umonitor.com/uopen/nao/welcome.do?auth=9180b135ca6a3d6f">open it online</a>!|||None{{NEWLINE}}How Couples with an Age Gap Can Plan for Retirement|01/29/2019|"Investments"|yes|how-couples-with-an-age-gap-can-plan-for-retirement||From Humphrey Bogart and Lauren Bacall to Michael Douglas and Catherine Zeta-Jones, marriages with age gaps have transcended generations.
In many marriages, spouses are aged one year apart or less. According to the 2013 U.S. Current Population Survey, this is true for roughly one-third of marriages. In around 10 percent of marriages, however, one spouse is 10 or more years older than the other. That may not seem significant, but some sources say the number of May&minus;September romances is increasing, and with this increase comes the need for better financial planning.|From Humphrey Bogart and Lauren Bacall to Michael Douglas and Catherine Zeta-Jones, marriages with age gaps have transcended generations.In many marriages, spouses are aged one year apart or less. According to the 2013 U.S. Current Population Survey, this is true for roughly one-third of marriages. In around 10 percent of marriages, however, one spouse is 10 or more years older than the other. That may not seem significant, but some sources say the number of May&minus;September romances is increasing, and with this increase comes the need for better financial planning.When spouses have significant age differences, the question of when to retire becomes more important. Will the couple retire at the same time, or will the younger spouse continue to work while the older spouse retires?This can affect the psychological dynamics of the relationship as well as the couple's finances. Couples with an age gap, for example, may have different income levels and investment needs (with one spouse working and one spouse retired). How should assets be allocated to protect the spouse who needs a growing nest egg as well as the spouse who is worried about market volatility? A balance must be found to keep the older spouse's current needs with the younger spouse's extended time horizon.Additionally, these couples must understand the rules for withdrawing assets. For example, required minimum distributions (RMDs) from retirement accounts are typically calculated based on the Uniform Lifetime Table. But if your spouse is 10 or more years younger, instead you must use the Joint Life and Last Survivor Expectancy table, which will result in smaller RMDs (and lower your taxable income).There is also end-of-life planning to consider. If the older spouse has children from a prior relationship, it is important to have a strong estate plan that balances the younger spouse's financial needs with the desire to leave children an inheritance.To strike a balance among all of these needs, consult with your financial professional to develop a personalized retirement plan.Questions? Contact a <a href="/investments/">Forward Investment Services</a> advisor!This article and any information contained herein is intended for informational purposes only and should not be construed as legal advice. The publisher will not be responsible for errors or omissions or any damages, howsoever caused, that result from its use. Seek competent legal counsel for advice on any legal matter.|/assets/thumb__1588195581-agegap071478535029.jpg|916|None{{NEWLINE}}Estate Planning Seminar|02/12/2019|"Investments"|yes|estate-planning-seminar||Attorney David J. Eckert from Eckert Law, LLC will present on the basics of an effective estate plan, protecting assets when needing a nursing home, avoiding probate, and more!|<img class="fpo-image" src="/assets/1588196046-EstatePlanningwebsitephoto.jpg" alt="Blog - Estate Planning Seminar" data-type="photo" data-id="918" /><h3>Thursday, March 21, 2019 10:00am &ndash; Noon or 5:30pm-7:30pm</h3>Forward Bank (1001 N. Central Ave., Marshfield)Attorney David J. Eckert from Eckert Law, LLC will present on:<ul><li>Basics of an effective estate plan</li><li>Protecting assets when needing a nursing home</li><li>Avoiding probate</li><li>The effect of new Wisconsin legislation and regulations on nursing home planning</li></ul>Light snacks and refreshments will be provided. Everyone is welcome, bring a friend or family member!Reserve your Seat: Call 715-389-6489 or email marisa.steinbach at ceterais dot com**Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory Services are offered through Cetera Investment Advisors LLC. Cetera is not affiliated with the financial institution where investment services are offered. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency. For a comprehensive review of your personal situation, always consults a tax or legal Advisor. Neither Cetera Investment Services, nor any of its representatives may give legal or tax advice. 715-387-1122|||None{{NEWLINE}}Top 10 Small-Business Insurance Claims|02/18/2019|"Business Banking|Insurance"|yes|top-10-small-business-insurance-claims||There's a common mentality among insurance policy holders: "It's a fail-safe, but I probably won't need it."
Perhaps it's denial, or perhaps it's part of a natural self-preservation mentality. For whatever reason, many assume insurance is "for the other guy." Someone else may need to make a claim someday, but I probably won't.|<img class="fpo-image" src="/assets/1588196618-coffeespillinsuranceclaimsbusiness002.jpg" alt="Blog - Top 10 Small-Business Insurance Claims" data-type="photo" data-id="920" />There's a common mentality among insurance policy holders: "It's a fail-safe, but I probably won't need it."Perhaps it's denial, or perhaps it's part of a natural self-preservation mentality. For whatever reason, many assume insurance is "for the other guy." Someone else may need to make a claim someday, but I probably won't.While it's good to take steps to reduce the likelihood of claims, it's also good to know that many small businesses do indeed rely on their insurance coverage for incidents. In fact, a study by financial services company The Hartford revealed that 40% of small businesses incur property or liability losses each 10-year period.What types of losses are businesses experiencing? Here are the top 10 insurance claims they make (and some tips on how to avoid them).<ol><li>Theft: The top reason for small- business claims is burglary and theft. Some of these crimes are committed by outsiders. Others are the result of dishonest employee activity. Strong, consistent security measures and employee accountability can reduce the chances of these claims.</li><li>Water: Coming in second is damage caused by water from roof leaks, snow, ice, and frozen pipes. To minimize the risk of water damage, inspect roofing and plumbing features and perform maintenance regularly.</li><li>Wind: Hail and wind damage are frequent culprits when it comes to small-business damage. These elements can destroy equipment, buildings, and commercial vehicles. To protect assets, store vehicles and equipment indoors as much as possible.</li><li>Fire: Don't underestimate the destructiveness of this force. Fire can cause major property damage and even wipe out a business. Always follow fire safety guidelines to ensure warning, extinguishing, and evacuation measures are up to date and fully operational.</li><li>Accidents: Customer slips and falls take the number five slot. Some businesses are more vulnerable to this risk than others. To minimize risk, keep interior and exterior walkways free of ice, water, debris, and damage.</li><li>Injuries/Damage: In addition to slips and falls, customers sometimes sustain other injuries or damage to their property. Establish protocols for creating a safe environment to reduce the chances of these occurrences.</li><li>Liability: Businesses that sell products run the risk of product liability claims. Perform proper testing before releasing anything to the public. Ensure consumer warnings and warranties are worded appropriately.</li><li>Objects: Some claims are the result of injuries caused by moving objects. Customers or employees may be struck by falling products, mobile equipment, or vehicles. Again, solid safety protocols can help keep your work environment accident-free.</li><li>Libel: A third party may sue a business for reputational harm. These claims resulting from libel and slander suits don't account for a huge proportion of claims, but they still make the top 10. Businesses should use caution when mentioning anyone in media reports or marketing efforts in order to reduce the likelihood of libel claims.</li><li>Vehicles: Auto accidents complete the list of top small-business claims. To prevent these, small-business owners can enact a vehicle safety program. Proper training and qualifications for commercial vehicle operators is key.</li></ol>Is your business prepared for these incidents? Do you have the appropriate policies in place? If you're unsure, contact your insurance provider to review your policies and make sure your company is covered.This article and any information contained herein is intended for informational purposes only and should not be construed as legal advice. The publisher will not be responsible for errors or omissions or any damages, howsoever caused, that result from its use. Seek competent legal counsel for advice on any legal matter.|||None{{NEWLINE}}Forward Makes Donation to School District of Gilman|03/01/2019|"Community Giving"|yes|forward-makes-donation-to-school-district-of-gilman||Forward Bank and Forward Insurance are proud to present the School District of Gilman with a check for $10,000. The donation will go towards a new pavilion for the baseball and softball teams.|Forward Bank and Forward Insurance are proud to present the School District of Gilman with a check for $10,000. The donation will go towards a new pavilion for the baseball and softball teams."We really are extending our giving beyond communities that we have locations in," stated Andrea Hazard, Office Manager at Forward Bank in Stanley. "The neighboring communities within our area often have needs that we can address, and often their residents work at a business in one of our communities. It makes sense to help them keep schools, non-profits and municipalities strong."<img class="fpo-image" src="/assets/1588196731-GilmanSchoolPavilionDonationweb.jpg" alt="Blog - Forward Makes Donation to School District of Gilman" data-type="photo" data-id="922" /> A mix of Forward bank and insurance employees presented a $10,000 check to the School District of Gilman including: Wally Leipart (Gilman School Admin.), Brian Phelps (Softball Coach), Robin Rosemeyer (Baseball Coach), Jon Hess (AD) and School Board Members.|||None{{NEWLINE}}Why Is 'For Sale by Owner' Such a Bad Idea?|03/11/2019|"Mortgage"|yes|why-is-for-sale-by-owner-such-a-bad-idea||When it's time to sell your home, you may wonder which route to take: partner with a real estate agent or go it alone with 'For Sale By Owner' (FSBO). Which will deliver better results?|When it's time to sell your home, you may wonder which route to take: partner with a real estate agent or go it alone with 'For Sale By Owner' (FSBO). Which will deliver better results?Here are three reasons you should avoid the FSBO path.<ul><li>The paperwork is daunting: Buyer offers. Real estate contracts. Lender forms. Inspection reports. Closing documents. Not every homeowner is prepared for the piles of paperwork involved in a real estate transaction. Details and deadlines can easily be missed. Bad deals can be made. A real estate agent is familiar with all the documentation involved, will walk the seller through the process, and will handle much of the paperwork required.</li><li>The process is challenging: Buyers want to see your home when it's convenient for them. Without an agent to show your home, it's up to you to make all arrangements for showings. This includes getting your home ready for the market. What work should be done? What's worth the investment of time and money? An agent could answer these questions for you. If you don't have one, you're on your own to prep your home, show it to buyers, negotiate offers, and get the deal to closing.</li><li>The cost is more than you think: A common reason for choosing FSBO is to try to save money. FSBO isn't as cheap as you might think. You'll have to cover all marketing costs, and you'll have to devote your personal time to these efforts. And it might take longer to sell due to the limited exposure you can get without an agent marketing the home. To top it off, FSBO homes typically sell for less than homes listed by real estate agents. The net result: zero savings.</li></ul>This article and any information contained herein is intended for informational purposes only and should not be construed as legal advice. The publisher will not be responsible for errors or omissions or any damages, howsoever caused, that result from its use. Seek competent legal counsel for advice on any legal matter.|/assets/thumb__1588196930-forsalebyownerf8b56a.jpg|924|None{{NEWLINE}}Mobile Bank App Upgrade-Coming Soon|03/14/2019|"News / Press Release|Personal Banking"|yes|mobile-bank-app-upgrade-coming-soon||Forward Bank is dedicated to providing the best tools and banking experience for our customers. That's why we're upgrading our current Mobile Bank App.|Forward Bank is dedicated to providing the best tools and banking experience for our customers. That's why we're upgrading our current Mobile Bank App. New features will include:<img class="fpo-image" src="/assets/1588197350-mobilescreens1.jpg" alt="Blog - Mobile Bank App Upgrade-Coming Soon - Overview" data-type="photo" data-id="926" /><img class="fpo-image" src="/assets/1588197366-touchIDimage.jpg" alt="Blog - Mobile Bank App Upgrade-Coming Soon - Touch ID" data-type="photo" data-id="927" /><h3>Login with your fingerprint</h3>Use your fingerprint for faster, easier, and safer access to your mobile bank app account.<img class="fpo-image" src="/assets/1588197393-debitcardonoff.jpg" alt="Blog - Mobile Bank App Upgrade-Coming Soon - Turn Debit Card On / Off" data-type="photo" data-id="928" /><h3>Turn Debit Card On/Off</h3>If you misplace your debit card, turn it off instantly right from your mobile device.Turn it back on just as easily!<img class="fpo-image" src="/assets/1588197491-applyonline.jpg" alt="Blog - Mobile Bank App Upgrade-Coming Soon - Apply Online" data-type="photo" data-id="929" /><h3>Open a new account or apply for a mortgage</h3>No need to come into the bank &ndash; open your new checking, savings, CD or money market account anytime, anywhere with your mobile device! Or take advantage of the Online Mortgage Center and fill out your application quickly from the convenience of your home.<h3>Continue to enjoy these convenient mobile app features:</h3><ul><li>Pay a Bill</li><li>Deposit a Check</li><li>Make Loan Payment</li><li>Transfer Funds</li><li>Pay-a-Friend</li><li>and more!</li></ul>Tip: Turn on Automatic Updates on your mobile device to receive the app upgrade automatically. If choose not to, then you will need to go to the app store for your device and initiate the update manually.We hope you enjoy these new features and we appreciate your patience as we continually work to provide you with the latest in convenience banking technologies. If you have any trouble accessing the mobile banking app after the update, please give us a call or stop by one of our offices. We would be more than happy to help walk you through the process.|||None{{NEWLINE}}Car Shopping? Look for These Safety Features|03/19/2019|"Personal Banking"|yes|car-shopping-look-for-these-safety-features||Not all cars are created equal. Some offer greater speed. Others offer better gas mileage. Another important difference is safety. Did you know certain safety features can reduce insurance costs and claims? To protect your passengers and your wallet, look for some of these top safety features the next time you're in the market for a new vehicle.|Not all cars are created equal. Some offer greater speed. Others offer better gas mileage. Another important difference is safety. Did you know certain safety features can reduce insurance costs and claims? To protect your passengers and your wallet, look for some of these top safety features the next time you're in the market for a new vehicle.Crashworthiness: If you're considering a car, check out its crashworthiness rating. This indicates the vehicle's ability to reduce the risk of injury and death during a crash based on its roof strength, front and side structures, head restraints, and seat design. You can look up a specific vehicle's rating on the Insurance Institute for Highway Safety website.Size and weight: A tank offers more protection than a smart car does. But bigger isn't always better. An SUV may be more likely to roll over than a sports car. Be sure to review all factors of size and weight as you choose your vehicle. The safest option is typically a midsize sedan with a high safety rating.Restraints: Modern vehicles offer far more than a simple seatbelt. For the best restraint systems, look for side airbags, locking head restraints, and lap and shoulder belts with crash tensioners. For steering column airbags, make sure you can reach the pedals without putting yourself too close to the steering wheel, as close proximity can cause serious injury if the bag is deployed.Daytime lights: Many cars now feature daytime running lights that are activated when you turn on the car. These make vehicles more visible to other drivers and decrease the chances of daytime accidents.Backup cameras: Rear-view video systems allow you to see the area behind your vehicle when you drive in reverse. These cameras can be very helpful in avoiding collisions with cars, objects, and pedestrians. Additional safety features such as anti-lock brakes and warning systems can help you steer clear of crashes and further reduce the likelihood of claims. Check with your insurance provider about potential discounts on premiums based on specific vehicle features. Most important, stay safe out there!This article and any information contained herein is intended for informational purposes only and should not be construed as legal advice. The publisher will not be responsible for errors or omissions or any damages, howsoever caused, that result from its use. Seek competent legal counsel for advice on any legal matter.|/assets/thumb__1588197704-manconsideringaleasedcar1530565805800x600e1546540343498.jpg|931|None{{NEWLINE}}Dates set for First National Bank of Park Falls Conversion|03/22/2019|"Forward Family|News / Press Release"|yes|dates-set-for-first-national-bank-of-park-falls-conversion||Dates have been set for the conversion of First National Bank of Park Falls customers to Forward Bank. The offices of First National Bank will be closed at 2:00 p.m. on Friday, May 3 and will remain closed through the weekend. On Monday, May 6, offices in Park Falls and Phillips will open as Forward Bank.|Dates have been set for the conversion of First National Bank of Park Falls customers to Forward Bank. The offices of First National Bank will be closed at 2:00 p.m. on Friday, May 3 and will remain closed through the weekend. On Monday, May 6, offices in Park Falls and Phillips will open as Forward Bank.All offices of Forward Bank will have normal business hours this weekend.First National Bank customers have received welcome materials outlining key dates and details on the transition of their accounts. There will be some follow-up mailings for a few specific accounts and services sent shortly after the book. These will not apply to all customers.If you are a current customer of First National Bank of Park Falls, we encourage you to open all correspondence from Forward Bank as it will contain information to help make the transition smooth.We are excited to have the staff and customers of First National Bank join our Forward family in May!|||None{{NEWLINE}}Counterfeit Bills in Thorp|03/29/2019|"Security Tips"|yes|counterfeit-bills-in-thorp||Multiple reports are coming in from different areas for counterfeit bills. Continue reading for more details.|Multiple reports are coming in from different areas for counterfeit bills. See details below:From the City of Thorp (3/29/2019): Businesses and residents of Thorp, please keep an eye out for FAKE $100 bills circulating throughout the City. Thorp Police Department has recovered several of these fake bills. If you do find any, contact the PD at 715-669-5523. There are Chinese characters on the back side and the paper feels differently than real bills, but at quick glance look very similar.<img class="fpo-image" src="/assets/1588262466-5555943222896985144561168278763455490555904oe1553868186818.jpg" alt="Blog - Counterfeit Bills in Thorp - Thorp" data-type="photo" data-id="934" />From the Eau Claire Police Department (3/28/2019):Information for retailers! We have seen an increase in counterfeit currency being exchanged the past few weeks. This is a $100 bill passed this morning.<img class="fpo-image" src="/assets/1588262504-5559750523716954864490945541910677007892480n.jpg" alt="Blog - Counterfeit Bills in Thorp - Eau Claire (Front)" data-type="photo" data-id="935" /> <img class="fpo-image" src="/assets/1588262545-5596315123716954897824277734927708559245312n.jpg" alt="Blog - Counterfeit Bills in Thorp - Eau Claire (Back)" data-type="photo" data-id="936" />Here are some tips to identify a counterfeit bill:<ul><li>Feel of the bill</li><li>Look for the watermark portrait</li><li>Look for a security thread</li><li>Look for color changing ink</li><li>Pay attention to blurry boarders</li><li>Use a counterfeit money detection pen</li><li>The money may have a "Motion Picture Use Only" written on it</li></ul>|||None{{NEWLINE}}Simple Ways to Boost Your Home's Curb Appeal|04/10/2019|"Mortgage"|yes|simple-ways-to-boost-your-homes-curb-appeal||Curb appeal is vital if you want your home to sell quickly for a good price. To create that enticing look, you don&rsquo;t necessarily have to undertake extensive landscaping or major fixes to the exterior of the building. Instead, you could just concentrate on the entrance to your house.|Curb appeal is vital if you want your home to sell quickly for a good price. To create that enticing look, you don&rsquo;t necessarily have to undertake extensive landscaping or major fixes to the exterior of the building. Instead, you could just concentrate on the entrance to your house.Lead them in: You want to do everything you can to lead your guests (and potential buyers) into your home. Make it clear where the entrance is by emphasizing it, using some of the techniques in this article.Accessorize: Make sure all your door hardware (the door knocker, handle and hinges) are new or look new. You can buy matching hardware cheaply. Alternatively, give what you already have a good polish. Invest in a new house number and mailbox that complement the rest of your hardware.The door: Make sure the door looks bright and fresh. Paint it to match the rest of the trim on your house and keep it clean of dirty rain splashes.Steps and railings: If there are steps up to your home, make sure they are well kept and safe. Check metal railings for rust and make sure they stay firm when visitors hold them.Plants: Use containers or hanging baskets to mark the way to your home. They are easy to maintain and provide a splash of color. Try placing one container or basket on either side of the door to frame the entrance.Lighting: Consider adding attractive lights to emphasize the entrance and make it more attractive at night.Add a chair: If you have space, place an attractive chair near the entrance. It gives the impression your home provides a relaxing place to sit and rest.Don't forget a welcome mat: As a finishing touch, put a new mat outside the door.|/assets/thumb__1588262636-HangingBasketDetailHorizontal680x453.jpg|938|None{{NEWLINE}}Forward Bank and First National Bank Receive Regulatory Approval of Purchase|04/12/2019|"Forward Family|News / Press Release"|yes|forward-bank-and-first-national-bank-receive-regulatory-approval-of-purchase||Forward Bank and First National Bank have received approval from banking regulators to complete the purchase of all the deposit and loan relationships held by First National Bank.|Forward Bank and First National Bank have received approval from banking regulators to complete the purchase of all the deposit and loan relationships held by First National Bank.As announced in December, Forward Bank will be assuming all the deposits and loan accounts of First National Bank. The banks are continuing the process of working with the customers in Phillips and Park Falls on the details of the transaction. The transition is expected to close on May 3, 2019."We have reached out to all of our customers with letters letting them know of our intention to join with Forward Bank," commented Tom Armstrong, President of First National Bank of Park Falls. "Our ongoing communications with customers and our community include the details of the transition process and how the move to Forward Bank will benefit them.""The team at Forward is excited to complete this transaction and begin our outreach specifically to non-profits in Park Falls and Phillips," stated Bill Sennholz, President &amp; CEO of Forward Bank. "With the guidance of Tom and his team, we'll be well on our way to advancing the mission of supporting healthy and successful communities."|||None{{NEWLINE}}Inside Scoop on High-Deductible Plans & HSAs|04/23/2019|"Insurance"|yes|inside-scoop-on-high-deductible-plans-hsas||The National Business Group on Health forecasts that providing employees with health care will average about $15,000 per employee in 2019. A High-Deductible Health Plan (HDHP) is one way employers seek to lower those costs.|The National Business Group on Health forecasts that providing employees with health care will average about $15,000 per employee in 2019.A High-Deductible Health Plan (HDHP) is one way employers seek to lower those costs. HDHPs offer employers lower premiums, but employees may pay more. You still save on out-of-pocket costs because your provider and your insurance company continue to negotiate those costs rather than charging market rates.Whether your employer provides an HDHP or you obtain one on your own, your HDHP may qualify for a health savings account (HSA). The 2019 HDHP minimum deductible required to qualify for an HSA is $1,350 for individuals and $2,700 for families.Why Open an HSA?Combining an HSA with your HDHP provides more health care savings, some tax-related. You can deduct HSA contributions on federal income taxes and on many state taxes. Interest earnings are tax-free, and the funds you withdraw to pay for qualified health care also are tax-free. You may use your HSA funds only for qualifying health care expenses. Qualifying health care generally includes expenses to prevent or cure disease, to relieve disease symptoms, and to treat the effects of disease.HSA LimitsThe 2019 HSA individual contribution limit increased from $3,400 to $3,500 for individuals and from $6,750 to $7,000 for families. The HDHP maximum annual deductible and other out-of-pocket expenses in 2019 is $6,750 for individuals and $13,500 for families.Due to employers' efforts to cut their health care spending and the nation&rsquo;s reliance on high-deductible plans, HSAs make sense. Your account bears interest and, with certain limits, your funds roll over from one year to the next.For more information, <a href="/locations/">contact a location</a> near you.This article and any information contained herein is intended for informational purposes only and should not be construed as legal advice. The publisher will not be responsible for errors or omissions or any damages, howsoever caused, that result from its use. Seek competent legal counsel for advice on any legal matter.|/assets/thumb__1588267737-familykitchencookingcheesekidsgirlsiStock51004327772dpi800px.jpg|941|None{{NEWLINE}}Forward Bank Promotes Molly Knoll to Assistant Vice President|04/25/2019|"Forward Family|News / Press Release"|yes|forward-bank-promotes-molly-knoll-to-assistant-vice-president||The Board of Directors of Forward Bank voted to approve the promotion of Molly Knoll to Assistant Vice President at their April meeting.|<img class="fpo-image" src="/assets/1588268568-MollyK.jpg" alt="Blog - Forward Bank Promotes Molly Knoll to Assistant Vice President - Molly Knoll" data-type="photo" data-id="943" />The Board of Directors of Forward Bank voted to approve the promotion of Molly Knoll to Assistant Vice President at their April meeting.Knoll joined the Forward Bank team as a Relationship Banker/ Office Manager for the Medford location in 2015. She oversaw the operations of the office and coordinated the outreach efforts of the team serving the Medford community. Over the past year, Knoll has transitioned to the role of Commercial Lender and provides loan and deposit services to businesses in the area."Molly's approach to delivering service to the businesses in our community is a great representation of Forward's style of banking," said Dave Clark, Executive Vice President of Forward Bank. "She has quickly developed a strong understanding of the financial services industry and has risen to a leadership role because of her knowledge and charisma. Molly will help to drive Forward towards a bright future."|||None{{NEWLINE}}Forward Bank Promotes Jay Milz to Assistant Vice President|04/29/2019|"Forward Family|News / Press Release"|yes|forward-bank-promotes-jay-milz-to-assistant-vice-president||The Board of Directors of Forward Bank voted to approve the promotion of Jay Milz to Assistant Vice President at their April meeting.|<img class="fpo-image" src="/assets/1588268844-JayMilzCasualweb.jpg" alt="Blog - Forward Bank Promotes Jay Milz to Assistant Vice President - Jay Milz" data-type="photo" data-id="945" />The Board of Directors of Forward Bank voted to approve the promotion of Jay Milz to Assistant Vice President at their April meeting.Milz joined the Forward Bank team as an Ag Credit Analyst in 2012. He fine-tuned his understanding of the loan process while helping Ag Lenders prepare loan files for customers and for internal review. He later became the Ag Lender serving the Greenwood area where he works with farmers to find the best financing solutions to meet their unique needs."Jay's approach to delivering service to the farms in our area is a great representation of Forward's style of banking," said Dave Clark, Executive Vice President of Forward Bank. "His hands-on experience in farming lends a genuineness and credibility that makes it easy for farmers to relate to him. Jay will help to drive Forward towards a bright future."|||None{{NEWLINE}}Not Too Young: Millennials Need Insurance, Too|05/01/2019|"Insurance"|yes|not-too-young-millennials-need-insurance-too||In today's "gig economy," the need for young adults to consider life and disability insurance has never been more evident. According to the Social Security Administration, for someone who is 20 years old today, the odds are one in four that disability will strike by age 67. Young adults should start planning now for that possibility.|In today's "gig economy," the need for young adults to consider life and disability insurance has never been more evident. According to the Social Security Administration, for someone who is 20 years old today, the odds are one in four that disability will strike by age 67. Young adults should start planning now for that possibility.Younger parents (those in their 20s and 30s) are especially in need of sound financial planning. This planning includes the need for life insurance and disability insurance. Several scenarios make this need for sound planning a top priority.For young parents, the inability to work or premature death of either parent can result in a burden on older generations, who may not be financially or emotionally prepared to raise or support their grandkids. Once a couple has children, one parent may decide to stay home with the kids. When this happens, the group health and disability of the homebound parent disappears, making reliance on the working spouse's insurance perhaps too high. Additionally, many of today's companies are scaling back group benefits. A separate life insurance or disability policy can help ensure debt does not burden the family if the working spouse becomes disabled.To remain prepared, make it a habit to meet with an experienced life insurance agent after any work status change to analyze what might be missing from your insurance portfolio as a result of those changes. Keep in mind, the younger a person is when buying disability or life insurance, the lower the premiums. Buying when young helps lock in much more favorable rates.If you are a grandparent, it&rsquo;s essential to talk with your children now about the need for life and disability insurance. This talk will ensure that the savings you depend on for a comfortable retirement will not be eaten away by the care of your grandchildren if something happens to your child.Many families balk at discussing finances. These conversations can be difficult, but it costs nothing for you to meet with us and go over what's best for you. We will help ensure that you have the rounded insurance coverage you need to protect your family.|/assets/thumb__1588275988-youngadultshighres1024x683.jpg|947|None{{NEWLINE}}Forward Gives Thanks to Local Heroes for Going the Extra Mile|05/03/2019|"Community Giving"|yes|forward-gives-thanks-to-local-heroes-for-going-the-extra-mile||Banks devote time, effort, and resources daily in support of their communities. During the week of April 22-26, 2019, banks from across the Badger State participated in the Wisconsin Bankers Association (WBA) Power of Community campaign to highlight the role banks play in the communities they serve.|Banks devote time, effort, and resources daily in support of their communities. During the week of April 22-26, 2019, banks from across the Badger State participated in the Wisconsin Bankers Association (WBA) Power of Community campaign to highlight the role banks play in the communities they serve."We are proud of our community and our role in helping families grow and businesses prosper. While we strive every day to serve our customers, it is especially rewarding when we volunteer directly in the community," said Bill Sennholz, President/CEO at Forward Bank."It was exciting to coordinate our usual service efforts with other Wisconsin banks during the Power of Community week to really showcase how banks help their communities," explained Sennholz.<img class="fpo-image" src="/assets/1588276444-PowerofCommunityWeekAbbyCrossingGuardAppreciationeditWEB.jpg" alt="Blog - Forward Gives Thanks to Local Heroes for Going the Extra Mile - Gary Schraufnagel &ndash; Power of Community Week (Colby)" data-type="photo" data-id="949" /> Gary Schraufnagel &ndash; Power of Community Week (Colby)<img class="fpo-image" src="/assets/1588276459-PowerofCommunityweekGilmanSchoolsWEB.jpg" alt="Blog - Forward Gives Thanks to Local Heroes for Going the Extra Mile - Andrea Hazard &ndash; Power of Community Week (Gilman)" data-type="photo" data-id="950" /> Andrea Hazard &ndash; Power of Community Week (Gilman)Launched by the Wisconsin Bankers Association, the Power of Community campaign is a way for banks to celebrate the communities they serve, whether it&rsquo;s volunteering at a local non-profit, fundraising for a charitable organization, using a bank office to collect items to be shared with a local group, or participating in National Teach Children to Save Day. This year Forward Bank used Power of Community Week as an opportunity to deliver thank you gifts to local bus drivers and crossing guards that read, "Thank you for going the extra mile and moving our children Forward to school each day!"The Wisconsin Bankers Association is the state's largest financial industry trade association, representing nearly 235 commercial banks and savings institutions, their nearly 2,300 branch offices and 23,000 employees.|||None{{NEWLINE}}Tom Armstrong Continues to Lead Forward Bank Offices in Price County|05/06/2019|"Forward Family|News / Press Release"|yes|tom-armstrong-continues-to-lead-forward-bank-offices-in-price-county||Tom Armstrong is continuing in a leadership role at Forward Bank as Senior Vice President/Market President.|Tom Armstrong is continuing in a leadership role at Forward Bank as Senior Vice President/Market President.In his role as SVP/Market President, Armstrong will lead the outreach efforts in the community and act as a resource for the Commercial Lenders in Park Falls and Phillips. He has extensive experience in banking spanning 34 years and gives back to the banking industry serving on the Federal Reserve Bank of Minneapolis.His dedication to the community includes serving as the President of the City of Park Falls Revolving Loan Board, President of the Park Falls Little League Board, and as the Head Coach of the Chequamegon High School Baseball team."We're excited to have Tom lead the team in Phillips and Park Falls," commented Bill Sennholz, President and CEO. "His experience working with businesses in the Northwoods will be valuable as we move forward together. Tom&rsquo;s genuine connection and concern for the Park Falls community will drive the bank&rsquo;s outreach to non-profits and on community projects."|||None{{NEWLINE}}Forward Bank Promotes Carissa Miller to Vice President|05/06/2019|"Forward Family|News / Press Release"|yes|forward-bank-promotes-carissa-miller-to-vice-president||The Board of Directors of Forward Bank voted to approve the promotion of Carissa Miller to Vice President at their April meeting.|<img class="fpo-image" src="/assets/1588277145-CarissaMiller200x200.jpg" alt="Blog - Forward Bank Promotes Carissa Miller to Vice President - Carissa Miller" data-type="photo" data-id="953" />The Board of Directors of Forward Bank voted to approve the promotion of Carissa Miller to Vice President at their April meeting.Miller joined the Forward Family in 2011 as a Credit Analyst. In 2013, she assumed the role of Carissa MillerCredit Administration Manager leading the team of Analysts. In 2015, Miller joined the leadership team as an Assistant Vice President. She continues to lead a skilled team of Credit Analysts as they work with the lenders to prepare and review loan files for new and existing customers of Forward Bank."Carissa plays an important role in the success of the bank," said Bill Sennholz, President and CEO of Forward Bank. "Her advancement in our organization represents our focus on developing and recognizing our talent that drives us forward. Carissa's leadership of the Credit team continues to position Forward for a bright future."|||None{{NEWLINE}}Sam Pritzl Promoted to Vice President at Forward Bank|05/13/2019|"Forward Family|News / Press Release"|yes|sam-pritzl-promoted-to-vice-president-at-forward-bank||Sam Pritzl has been promoted to Vice President / Commercial Lender at Forward Bank who recognizes his ongoing contributions to the success of the Park Falls team.|Sam Pritzl has been promoted to Vice President / Commercial Lender at Forward Bank who recognizes his ongoing contributions to the success of the Park Falls team.In his role as VP/Commercial Lender, Pritzl will focus on guiding businesses in the area through the borrowing process. His experience in banking spans 16 years.His dedication to the community includes co-founding and serving as President of the Park Falls Area Development Corporation. Pritzl has been active with various boards including the Flambeau Hospital, Park Falls Industrial Development Committee, Price County Development Association, and Park Falls Chamber of Commerce. He shares his heart with the community as the Founder and President of The Jonny Angel Foundation."Sam is a great addition to the leadership team of Forward Bank," commented Bill Sennholz, President and CEO. "He will be able to provide a great deal of insight into our northern communities given the connections that he has nurtured throughout his years in banking and in business."|||None{{NEWLINE}}How to Outsmart Disaster|05/14/2019|"Insurance"|yes|how-to-outsmart-disaster||The internet of things has taken home protection to the next level, empowering homeowners with new tools to keep their homes and loved ones safe. While homeowners might not be able to prevent every disaster, these innovative smart home features can reduce their risk.|The internet of things has taken home protection to the next level, empowering homeowners with new tools to keep their homes and loved ones safe. While homeowners might not be able to prevent every disaster, these innovative smart home features can reduce their risk.<img class="fpo-image" src="/assets/1588277969-OutsmartDisaster768x503.jpg" alt="Blog - How to Outsmart Disaster" data-type="photo" data-id="956" /><h3>Fire Alerts</h3>Traditional smoke detectors are helpful for alerting residents to a fire. This is great if someone is home. What happens when no one is around to hear the alarm?With smart fire detectors, the homeowner can receive an alert via a Wi-Fi-connected device anywhere in the world. This can decrease emergency response time, potentially reducing damage to the home.<h3>Water Alerts</h3>One of the most common homeowners insurance claims is water damage. Burst pipes and leaky appliances can cause extensive damage to a home. Smart leak-detection sensors can mitigate or even prevent these calamities. The sensor will alert homeowners immediately when a leak is detected, allowing them to take action to stop the water invasion.<h3>Burglar Alerts</h3>Smart technology has enhanced security measures on many fronts. Homeowners can keep tabs on their property by monitoring video surveillance from anywhere, deter thieves with timed lighting, and use smart door locks to maintain tighter security of their entryways. Plus, affordable, wireless technology makes installing security systems easier than ever before.<h3>Smart Devices</h3>Technology is becoming so prevalent that there are few items that aren't available with smart features these days. Appliances offer improved safety and efficiency. Garage doors are better at detecting motion. High-tech irrigation systems can prevent over-watering and flooding. From attic to basement, homeowners can access a host of smart features to protect their homes and prevent insurance claims. Don't hesitate to reach out so you can learn more about how you can prevent disaster in your home.Be sure to ask a <a href="/insurance/meet-our-agents/">Forward Insurance Agent</a> about any discounts you may be eligible for if your home is equipped with smart technology.|||None{{NEWLINE}}Mark Brzeskiewicz Promoted to Commercial Lender at Forward Bank|05/20/2019|"Forward Family|News / Press Release"|yes|mark-brzeskiewicz-promoted-to-commercial-lender-at-forward-bank||Mark Brzeskiewicz has been promoted to Commercial Lender at Forward Bank. In his role as a Commercial Lender, Brzeskiewicz will focus on guiding businesses in the area through the borrowing process. His financial services experience spans 39 years.|Mark Brzeskiewicz has been promoted to Commercial Lender at Forward Bank. In his role as a Commercial Lender, Brzeskiewicz will focus on guiding businesses in the area through the borrowing process. His financial services experience spans 39 years.His dedication to the community encompasses numerous activities and positions with the Phillips Area Chamber of Commerce including serving as Chamber President for 3 years. Brzeskiewicz also has been extremely involved with the school through speaking, coaching, and mentoring young athletes."Mark is a great member of the Forward team," said Dave Clark, Executive Vice President of Forward Bank. "His experience and willingness to be a financial advisor and advocate for his customers through the borrowing process makes him a very valuable lender in the area. Mark's approach to service and community involvement fits extremely well with Forward's purpose driven mindset."|||None{{NEWLINE}}Forward Bank Donates $50,000 towards Elk Lake Park Splash Pad Project|05/23/2019|"Community Giving"|yes|forward-bank-donates-50000-towards-elk-lake-park-splash-pad-project||Forward Bank recently made a $50,000 donation toward the Elk Lake Park Splash Pad project.|<img class="fpo-image" src="/assets/1588278457-6066859228453568888142228778954058292527104o1024x768.jpg" alt="Blog - Forward Bank Donates $50,000 towards Elk Lake Park Splash Pad Project" data-type="photo" data-id="959" />Forward Bank recently made a $50,000 donation toward the Elk Lake Park Splash Pad project.The project to add a splash pad to the already popular Elk Lake park will create a center piece for the community that families will enjoy for years to come."A donation of this magnitude is part of our mission to give back to our community," commented Bill Sennholz, President &amp; CEO of Forward Bank. "Our community support is how we pay dividends to our owners. Instead of sending checks to individuals, we invest in our community with projects like the splash pad.""Supporting the creation of the Splash pad highlights the importance Forward places on family and spending time together with those we care about," stated Mark Brzeskiewicz. "We are proud of the community members that placed so much importance on creating such a wonderful place for area families."|||None{{NEWLINE}}3 Real Estate Myths Television Has Taught Us|05/29/2019|"Mortgage"|yes|3-real-estate-myths-television-has-taught-us||Jim and Suzy Homebuyer just found their dream property for $50K and fixed it up in three weeks.
Stories like this have skewed viewers' expectations of real estate reality. Shows about home buying and renovation projects can be fun to watch, but we may not realize that they often don't depict the realities of buying, selling, and owning a home.|Jim and Suzy Homebuyer just found their dream property for $50K and fixed it up in three weeks.Stories like this have skewed viewers' expectations of real estate reality. Shows about home buying and renovation projects can be fun to watch, but we may not realize that they often don't depict the realities of buying, selling, and owning a home.<h3>Here are three common myths popularized by today&rsquo;s TV lineup.</h3><ul><li>"Three homes will do."</li><ul><li>On TV, a couple looks at three homes and is able to find the property of their dreams. This isn't how things work in the real world. The number of homes buyers must look at before finding the right one for them differs in each situation. It's not uncommon to look at 20 homes. It may even work out that you look at just one (but it's not likely).</li></ul><li>"I can afford that."</li><ul><li>Shows that depict real estate purchases and renovations rarely reflect prices that are realistic for viewers. We may witness a bargain deal on TV and assume we could get something similar.</li><li>The fact is, markets vary greatly. The price of a home or a remodel in the area where the show is filmed may be completely different from what we can expect in our home town &ndash; either much higher or much lower.</li></ul><li>"This will be a cinch."</li><ul><li>While some DIY projects can be completed quickly, the amount of time most renovations take is longer than TV would have you believe. Homeowners shouldn't expect to dive into a basement remodel on Friday and wake up Monday morning with the project behind them. Even if you hire professionals, they may encounter unexpected delays or simply need more time to do the renovation right.</li></ul></ul>If you're considering buying, selling, or renovating, the more information you have, the better prepared you can be. Contact our <a href="/mortgages/meet-our-lenders/">Mortgage Team</a> for some professional input &ndash; we'd be happy to help.|/assets/thumb__1588278726-TVscenewithblankscreen.jpg|961|None{{NEWLINE}}Forward Bank Recognized as the Outstanding Philanthropic Organization|06/01/2019|"Community Giving"|yes|forward-bank-recognized-as-the-outstanding-philanthropic-organization||Forward Bank was recognized as the Outstanding Philanthropic Organization by the Marshfield Clinic Health System Foundation on May 22 at the Spirit of Giving Awards.|<img class="fpo-image" src="/assets/1588279130-SpiritofGivingAwardWEB.jpg" alt="Blog - Forward Bank Recognized as the Outstanding Philanthropic Organization" data-type="photo" data-id="963" />Forward Bank was recognized as the Outstanding Philanthropic Organization by the <a href="https://www.marshfieldclinic.org/" target="_blank" rel="noopener" class="speedbump">Marshfield Clinic Health System Foundation</a> on May 22 at the Spirit of Giving Awards.The annual Spirit of Giving Awards honors individuals, volunteer fundraisers and organizations that support Marshfield Clinic Health System's (MCHS) mission. This year's event awarded:<ul><li>Outstanding Volunteer Fundraiser to the Snoopy Pole Classic</li><li>Outstanding Philanthropic Organization to Forward Bank</li><li>Legacy of Philanthropy to Floyd and Patricia Hamus</li></ul>Giving back to the communities is an essential part of the culture at Forward Bank. Forward has been a dedicated sponsor of many foundation events including Auction of Champions, Duel it Fore the Kids, and Comedy Against Cancer. Besides sponsored events, we've also donated to the summer research internship program on behalf of our customer's participating in the Charitable Money Market Account (CMMA). Many of our employees are also involved in programs and volunteer opportunities at the MCHS."This award is a visual representation of all the dedicated hearts that work daily at Forward Bank to make our communities great places," shared Bill Sennholz, President/CEO at Forward Bank. "It is a wonderful honor to have Forward Bank recognized by the Marshfield Clinic Health System."<img class="fpo-image" src="/assets/1588279303-6154627824218848645226936977078744905154560oWEB.jpg" alt="Blog - Forward Bank Recognized as the Outstanding Philanthropic Organization - Spirit of Giving Awards" data-type="photo" data-id="964" /><img class="fpo-image" src="/assets/1588279318-6162170724218863711892095592671856097230848oWEB.jpg" alt="Blog - Forward Bank Recognized as the Outstanding Philanthropic Organization - Spirit of Giving Awards 2" data-type="photo" data-id="965" />|||None{{NEWLINE}}Forward Bank Receives 2018 Wisconsin Volume Lender Award|06/04/2019|"News / Press Release"|yes|forward-bank-receives-2018-wisconsin-volume-lender-award||Forward Bank received the 2018 Wisconsin Volume Lender Award for "Wisconsin SBA Volume Lender (Asset Size &gt;$400 Million &ndash; $500 Million)."|<img class="fpo-image" src="/assets/1588279425-2018WisconsinVolumeLenderAwardforWisconsinSBAVolumeLenderassetsize400mil50003editWEB.jpg" alt="Blog - Forward Bank Receives 2018 Wisconsin Volume Lender Award" data-type="photo" data-id="967" />Forward Bank received the 2018 Wisconsin Volume Lender Award for "Wisconsin SBA Volume Lender (Asset Size &gt;$400 Million &ndash; $500 Million)."The award presented by the Wisconsin District Director Eric Ness during lunch at the 2019 Wisconsin Lenders Conference on May 16th at the Kalahari Resort &amp; Conference Center in Wisconsin Dells. Credit Analysts Austin Travis and Nathan Kunze from Forward Bank were there to accept the award."The award is a result of the great teamwork that we have at Forward and the partnership that we share with the local communities and businesses," said Dave Clark, Executive Vice President at Forward Bank. "Thank you to each and every business owner that has built a relationship with us. We're grateful for your commitment and trust."About the U.S. Small Business AdministrationThe U.S. Small Business Administration (SBA) was created in 1953 and since 2012 has served as a Cabinet-level agency of the federal government to aid, counsel, assist and protect the interests of small business concerns, to preserve free competitive enterprise and to maintain and strengthen the overall economy of our nation. The SBA helps Americans start, build and grow businesses. Through an extensive network of field offices and partnerships with public and private organizations, the SBA delivers its services to people throughout the United States, Puerto Rico, the U.S. Virgin Islands and Guam. For more information, visit <a href="https://www.sba.gov/" target="_blank" rel="noopener" class="speedbump">www.sba.gov</a>.|||None{{NEWLINE}}2019 Scholarship Recipients|06/06/2019|"Scholarship Recipients"|yes|2019-scholarship-recipients||Every student's situation is unique, but one thing is all too common: a financial gap that needs to be filled with parental contributions, money-saving efforts or more time at work. Forward is proud to help cover the financial gap facing today's college bound students by presenting 9 local scholarships. Our mission of Moving Our Communities Forward starts with helping students further their education and bring their knowledge back into their hometowns.|Every student's situation is unique, but one thing is all too common: a financial gap that needs to be filled with parental contributions, money-saving efforts or more time at work. Forward is proud to help cover the financial gap facing today's college bound students by presenting 9 local scholarships. Our mission of Moving Our Communities Forward starts with helping students further their education and bring their knowledge back into their hometowns.On behalf of the Board of Directors and Employees at Forward, we are proud to announce the 2019 Scholarship Recipients:<img class="fpo-image" src="/assets/1588279655-AbbotsfordScholarshipKyleonViegutWEB.jpg" alt="Blog - 2019 Scholarship Recipients - Kyleon Viegut (Abbotsford High School); Lotzer Scholarship Presented by Gary Schraufnagel" data-type="photo" data-id="969" /> Kyleon Viegut (Abbotsford High School); Lotzer Scholarship Presented by Gary Schraufnagel<img class="fpo-image" src="/assets/1588279677-ColbyScholarshipKaterinaKolzowWEB.jpg" alt="Blog - 2019 Scholarship Recipients - Katerina Kolzow (Colby High School); Presented by Traci Geiger Vicky Fischer" data-type="photo" data-id="970" /> Katerina Kolzow (Colby High School); Presented by Traci Geiger &amp; Vicky Fischer<img class="fpo-image" src="/assets/1588279696-ColumbusScholarshipKellenHeinzenWEB.jpg" alt="Blog - 2019 Scholarship Recipients - Kellen Heinzen (Columbus High School); Presented by Megan Rosandich" data-type="photo" data-id="971" /> Kellen Heinzen (Columbus High School); Presented by Megan Rosandich<img class="fpo-image" src="/assets/1588279737-GilmanScholarshipWyattHeierWEB.jpg" alt="Blog - 2019 Scholarship Recipients - Wyatt Heier (Gilman High School); Presented by Cindy Janisewski Mike Henke" data-type="photo" data-id="972" /> Wyatt Heier (Gilman High School); Presented by Cindy Janisewski &amp; Mike Henke<img class="fpo-image" src="/assets/1588279766-GreenwoodScholarshpAbigailKirchnerWEB.jpg" alt="Blog - 2019 Scholarship Recipients - Abigail Kirchner (Greenwood High School); Presented by Sarah Shaw" data-type="photo" data-id="973" /> Abigail Kirchner (Greenwood High School); Presented by Sarah Shaw<img class="fpo-image" src="/assets/1588279785-WitheeScholarshipDaltonMatkovichWEB.jpg" alt="Blog - 2019 Scholarship Recipients - Dalton Matkovich (Owen-Withee High School): Presented by Kelly Booth" data-type="photo" data-id="974" /> Dalton Matkovich (Owen-Withee High School): Presented by Kelly Booth<img class="fpo-image" src="/assets/1588279808-ThorpScholarshipCourtneyFrankewiczWEB.jpg" alt="Blog - 2019 Scholarship Recipients - Courtney Frankewicz (Thorp High School): Presented by Samantha Hubbard" data-type="photo" data-id="975" /> Courtney Frankewicz (Thorp High School): Presented by Samantha HubbardNot pictured: Mallory Rudolph (Medford High School)Discover more about our <a href="/community-giving/scholarship-program/">Scholarship Program</a>|||None{{NEWLINE}}Pets at Work: Animal Lover's Dream or Liability Nightmare?|06/11/2019|"Insurance"|yes|pets-at-work-animal-lovers-dream-or-liability-nightmare||Americans love their pets. In fact, pets have become such a part of our lives that we celebrate National Bring Your Pet to Work Day each June. Some employers are even known for making this a year-round event. Corporate giants Amazon, Google, and Salesforce all have open-door policies for employees' dogs.|Americans love their pets. In fact, pets have become such a part of our lives that we celebrate National Bring Your Pet to Work Day each June. Some employers are even known for making this a year-round event. Corporate giants Amazon, Google, and Salesforce all have open-door policies for employees' dogs.But is this a good idea for your small business? That depends. If you want to make your company paw-friendly, it&rsquo;s important to keep PUPS in mind.<ul><li>P &ndash; Property damage: Allowing animals in your work space increases your risk for property damage. From chewing to scratching to surprise restroom breaks, pets can wreak havoc on your surroundings. It&rsquo;s important to weigh these risks with the benefits.</li><li>U &ndash; Unproductive workforce: The presence of animals could increase morale and improve productivity, or it could have the opposite effect. Employees might be distracted with pet care. Others might not be fans of animals or may suffer from allergies.</li><li>P &ndash; Personal injury: Bites are the obvious concern if dogs are in the workplace, but scratches, allergic reactions, and trips-and-falls are also possibilities.</li><li>S &ndash; Standards: If you rent your office space, you must adhere to the regulations established by your landlord. Your lease may have a standard no-pet policy. Be sure to check this out before you decide to put out the animal welcome mat.</li></ul>As you determine your pet policy, consult with your insurance agent to determine whether these pet-related incidents are covered under your property and liability policies.This article and any information contained herein is intended for informational purposes only and should not be construed as legal advice. The publisher will not be responsible for errors or omissions or any damages, howsoever caused, that result from its use. Seek competent legal counsel for advice on any legal matter.|/assets/thumb__1588280119-roverdogfriendlyoffice.jpg|977|None{{NEWLINE}}Forward Insurance Presents Grant to Stanley-Boyd FFA Chapter|06/19/2019|"Community Giving"|yes|forward-insurance-presents-grant-to-stanley-boyd-ffa-chapter||On behalf of the Mutual of Wausau, Forward Insurance Customer Service Supervisor, Travis Hazard, presented a grant check for $200 to the Stanley-Boyd FFA Chapter on Friday, June 7th.|<img class="fpo-image" src="/assets/1588282891-MutualInsGrantcropped768x594.jpg" alt="Blog - Forward Insurance Presents Grant to Stanley-Boyd FFA Chapter" data-type="photo" data-id="979" />On behalf of the Mutual of Wausau, Forward Insurance Customer Service Supervisor, Travis Hazard, presented a grant check for $200 to the Stanley-Boyd FFA Chapter on Friday, June 7th.The purpose of the Mutual of Wausau Insurance Corporation FFA Chapter Grant Program is to support the FFA Chapters in agricultural education, youth development and to promote civic leadership responsibilities."With the funds, the chapter would like to offer leadership conference scholarships to offset costs for FFA members to attend various leadership conferences throughout the year," stated Hazard.Forward Insurance is an independent insurance agency serving the communities of Marshfield, Park Falls, Stanley, Thorp and Withee. For more information on Forward Insurance, visit www.forward.bank/insurance.|||None{{NEWLINE}}Kevin Krizan Joins Forward Insurance in Marshfield|06/21/2019|"Forward Family|News / Press Release"|yes|kevin-krizan-joins-forward-insurance-in-marshfield||Kevin Krizan has joined Forward Insurance as an Insurance Agent and is excited to begin working with clients in the Marshfield area.|<img class="fpo-image" src="/assets/1588284530-KrizanKevinLoRes214x300.jpg" alt="Blog - Kevin Krizan Joins Forward Insurance in Marshfield" data-type="photo" data-id="981" />Kevin Krizan has joined Forward Insurance as an Insurance Agent and is excited to begin working with clients in the Marshfield area.Krizan has provided insurance to the Marshfield area for over 18 years and has a proven track record of building relationships with clients. He is an award-winning agent including being the District 50 Agent of the Year. Krizan is one of the founding members of BNI CentraNet in Marshfield and is a 10-year member."We're excited to have Kevin join the Forward Insurance team," commented Bill Sennholz, President &amp; CEO of Forward Bank &ndash; the parent company of Forward Insurance. "His drive to educate businesses and individuals on the coverage they need and build relationships in the community fits beautifully with the Forward mission."Krizan lives in Marshfield with his wife Becky. You can often see him outdoors fishing, golfing, snowmobiling, riding UTV, or spending quality time with his Labs.Forward Insurance has been serving the communities of Stanley, Thorp and Withee for many years and has recently expanded into the Marshfield and Park Falls communities. The team provides local services for some of the best insurance companies offering auto, business, farm, home and life insurance programs.|||None{{NEWLINE}}100 Years Forward - Bill Sennholz - Communities|06/27/2019|"Community Giving"|yes|100-years-forward-bill-sennholz-communities||Forward Bank is celebrating 100 Years of Moving Communities Forward in 2019. Bill Sennholz, President/CEO, shares Forward's long time vision to help small communities thrive by investing time and resources.|<img class="fpo-video" src="https://img.youtube.com/vi/9WvSDabeJyo/mqdefault.jpg" alt="undefined" data-type="video" data-id="983" />Forward Bank is celebrating 100 Years of Moving Communities Forward in 2019. Bill Sennholz, President/CEO, shares Forward's long time vision to help small communities thrive by investing time and resources.|||None{{NEWLINE}}Hey, That's My Stuff! How to Avoid Mover Scams|07/03/2019|"Security Tips"|yes|hey-thats-my-stuff-how-to-avoid-mover-scams||4,100 consumers filed moving fraud complaints in 2017, according to the Federal Motor Carrier Safety Administration. How can you avoid negative experiences? Be aware of common scams, and take steps to protect yourself from these fraudulent activities.|4,100 consumers filed moving fraud complaints in 2017, according to the Federal Motor Carrier Safety Administration. How can you avoid negative experiences? Be aware of common scams, and take steps to protect yourself from these fraudulent activities.Get it in writing: It might be tempting to get a quick quote and schedule your move over the phone. Don't do it. This is one of the easiest ways to get scammed. Since you have nothing in writing, the movers can easily charge whatever they want once they begin, and they may hold your belongings hostage until you pay an outrageous amount. Always schedule an in-house walk-through to get an accurate quote, and get the agreed-to amount in writing.Read the fine print: When you sign a contract with a mover, read all the fine print. Make sure you understand the terms of payment before you sign. Unscrupulous movers may include terms that allow them to hijack your belongings after demanding more money. If you've signed anything that allows for these practices, the police will be unable to intervene.Vet the movers: Before you agree to work with a moving company, research its reputation. Contact the Better Business Bureau to check the company's rating. Ask for recommendations from friends. Read online reviews. Ask movers for proof of registration, proof of insurance and an office address. Take the time to vet the mover, so you know you are working with someone you can trust.Try a hybrid approach: Consider renting and driving the truck yourself, and hiring movers for loading and unloading only. This will keep your possessions under your control to prevent hijacking scams. (It can also reduce the cost of the move!)|/assets/thumb__1588284883-familyloadingtruck.jpg|985|None{{NEWLINE}}Sandy Klatt Promoted to Assistant Vice President|07/08/2019|"Forward Family|News / Press Release"|yes|sandy-klatt-promoted-to-assistant-vice-president||The Board of Directors of Forward Bank voted to approve the promotion of Sandy Klatt to Assistant Vice President at their May meeting.|<img class="fpo-image" src="/assets/1588285151-KlattSandy200x200.jpg" alt="Blog - Sandy Klatt Promoted to Assistant Vice President" data-type="photo" data-id="987" />The Board of Directors of Forward Bank voted to approve the promotion of Sandy Klatt to Assistant Vice President at their May meeting.Klatt joined the Forward Family in 2006 as our Receptionist and Operator. In 2011, she assumed the role of Executive Assistant / Corporate Secretary and has helped to lay groundwork for the training strategy for the bank. She continues to provide organization and structure to the Executive Team and Board of Directors of Forward Bank. Klatt recently earned her certification as an Administrative Professional with the International Association of Administrative Professionals."Sandy plays an important role at the bank and has some of the most diverse expectations set before her," said Bill Sennholz, President and CEO of Forward Bank. "Her energy and drive to make Forward and the entire team successful has been a catalyst for our momentum. She continues to help the Executive team and Board of Directors provide strategic direction for our organization and mutual banks throughout the state."|||None{{NEWLINE}}Jesse Kreiner Joins Forward Bank as Assistant Vice President / Commercial Lender|07/11/2019|"Forward Family|News / Press Release"|yes|jesse-kreiner-joins-forward-bank-as-assistant-vice-president-commercial-lender||Jesse Kreiner has joined the Forward Bank team as an Assistant Vice President / Commercial Lender. In this role, he will focus on guiding businesses in the area through the borrowing process.|<img class="fpo-image" src="/assets/1588285196-JesseKreiner200x200.jpg" alt="Blog - Jesse Kreiner Joins Forward Bank as Assistant Vice President / Commercial Lender" data-type="photo" data-id="989" />Jesse Kreiner has joined the Forward Bank team as an Assistant Vice President / Commercial Lender. In this role, he will focus on guiding businesses in the area through the borrowing process.Kreiner has 7 years of banking experience serving customers in Tulsa, Oklahoma, Eau Claire and the Medford area. He supports the bank&rsquo;s purpose by being active in the communities he serves. Some of his favorite groups to support are Social Entrepreneurship in Tulsa, Junior Achievement, and coaching through the Medford Hockey Association."Jesse is a great addition to the Forward team," said Dave Clark, Executive Vice President of Forward Bank. "His energy and willingness to the advocate for his customers fits with the Forward approach to serving our customers. Jesse's approach to service and community involvement represents Forward&rsquo;s purpose driven mindset well."Kreiner lives in Medford and enjoys golfing, hockey, riding motorcycles, and wood working.|||None{{NEWLINE}}Gap Insurance and Why You Need It|07/16/2019|"Insurance"|yes|gap-insurance-and-why-you-need-it||Have you ever purchased a brand-new car? It had that new-car smell. The odometer readout was near zero. The paint was bright and shiny. You were excited to drive off the lot and put the first miles on your untainted vehicle. Guess what else happened as you drove off that lot? The vehicle started depreciating.|Have you ever purchased a brand-new car? It had that new-car smell. The odometer readout was near zero. The paint was bright and shiny. You were excited to drive off the lot and put the first miles on your untainted vehicle. Guess what else happened as you drove off that lot? The vehicle started depreciating.According to Kelley Blue Book, most cars lose about 20% of their value in the first year. This rapid depreciation could pose a problem for insurance claims. If your initial deposit on the car was small, the loan amount that you owe may be higher than the value of the car.If your vehicle suffers extensive damage or is totaled in its early years (before you have paid down that loan), your insurance coverage may not provide enough to pay off the vehicle. Why? A standard auto policy typically covers the depreciated value of the car. In other words, it will pay what the car is currently worth on the market when you make your claim.If this amount is less than what you owe on the car, gap insurance comes into play. It will cover this difference (the gap). This extra coverage can be helpful in several circumstances.Long-term financing: If you financed a vehicle for 60 months or longer, you might need gap insurance to provide adequate coverage.Leasing: If you lease a vehicle, gap insurance is often required as part of the lease agreement.Lost value: Some cars depreciate faster than others. If your model depreciates faster than average, gap insurance could prove useful.Low down payment: If you put less than 20% down on the vehicle, this insurance will help cover the gap between the value and the balance of your loan that will most likely exist for a while.Are you unsure whether you need gap insurance? Contact a <a href="/insurance/meet-our-agents/">Forward Insurance Agent</a> to review your current auto policy and determine whether this coverage makes sense for you and your vehicle.|/assets/thumb__1588285360-cardriving768x512.jpg|991|None{{NEWLINE}}100 Years Forward - Dave Clark - Small Business|07/24/2019|"Business Banking"|yes|100-years-forward-dave-clark-small-business||As Forward Bank celebrates 100 Years of Moving Communities Forward, Dave Clark, Executive Vice President, reflects on their partnerships with local businesses and the correlation to helping small communities grow. #100YearsForward|<img class="fpo-video" src="https://img.youtube.com/vi/yWnOigh6OP4/mqdefault.jpg" alt="undefined" data-type="video" data-id="993" />As Forward Bank celebrates 100 Years of Moving Communities Forward, Dave Clark, Executive Vice President, reflects on their partnerships with local businesses and the correlation to helping small communities grow. <a href="https://www.youtube.com/results?search_query=%23100YearsForward" target="_blank" rel="noopener" class="speedbump">#100YearsForward</a>|||None{{NEWLINE}}Equifax Breach Settlement|07/29/2019|"Security Tips"|yes|equifax-breach-settlement||In September of 2017, Equifax announced a data breach that potentially impacted the personal information of approximately 147 million people. Recently, a settlement was reached with Equifax which includes up to $425 million in monetary relief to consumers and some civil penalties.|In September of 2017, Equifax announced a data breach that potentially impacted the personal information of approximately 147 million people. Recently, a settlement was reached with Equifax which includes up to $425 million in monetary relief to consumers and some civil penalties.If you are unsure whether you or a member of your family were impacted by the breach, you can check on the Equifax website dedicated to this incident. Should you find that you were impacted by the breach, you can follow the process outlined on their site to receive access to free credit monitoring, potential cash restitution, and identity restoration services.<a href="http://www.equifaxbreachsettlement.com/" target="_blank" rel="noopener" class="speedbump">www.equifaxbreachsettlement.com</a>|/assets/thumb__1588285689-104698786RTX3FBVG1024x695.jpg|995|None{{NEWLINE}}Winners of the 2020 Employee Calendar Photo Contest|07/30/2019|"Forward Family"|yes|winners-of-the-2020-employee-calendar-photo-contest||And the tradition continues! The 3rd Annual Employee Calendar Photo Contest has been our most successful yet! Over 60 photos were submitted by 31 employees and capture the areas where they live, work, and play!|And the tradition continues! The 3rd Annual Employee Calendar Photo Contest has been our most successful yet! Over 60 photos were submitted by 31 employees and capture the areas where they live, work, and play!Submissions were voted on internally as well as a "fan vote" through Facebook to determine the winners.Thanks again to everyone who participated and helped make this contest a success! Pick up your complimentary custom calendar later this fall (after Thanksgiving) &ndash; available at all of our branch locations.See all submissions for the <a href="https://www.facebook.com/pg/ForwardBankWI/photos/?tab=album&amp;album_id=2184330195022083" target="_blank" rel="noopener" class="speedbump">2020 Calendar Photo Contest</a><h3>Congratulations to our winners:</h3><img class="fpo-image" src="/assets/1588285965-03.MarchBarnRainbowWEB.jpg" alt="Blog - Winners of the 2020 Employee Calendar Photo Contest - Barn Rainbow" data-type="photo" data-id="997" /> 1st &ndash; Sara Blume (Withee) "Barn Rainbow"<img class="fpo-image" src="/assets/1588286003-11.NovemberSunriseWEB.jpg" alt="Blog - Winners of the 2020 Employee Calendar Photo Contest - Sunrise" data-type="photo" data-id="998" /> 2nd &ndash; Amy Benedict (Park Falls) "Sunrise"<img class="fpo-image" src="/assets/1588286051-9.SeptemberFridayNightLightsWEB.jpg" alt="Blog - Winners of the 2020 Employee Calendar Photo Contest - Friday Night Lights" data-type="photo" data-id="999" /> 3rd &ndash; LuAnn Palecek (Park Falls) "Friday Night Lights"<img class="fpo-image" src="/assets/1588286097-4.AprilCloudSunriseWEB.jpg" alt="Blog - Winners of the 2020 Employee Calendar Photo Contest - Cloud Sunrise" data-type="photo" data-id="1000" /> 4th &ndash; Aaron Leiby (Marshfield) "Cloud Sunrise"<img class="fpo-image" src="/assets/1588286191-5.MayBusyBeeWEB.jpg" alt="Blog - Winners of the 2020 Employee Calendar Photo Contest - Busy Bee" data-type="photo" data-id="1001" /> 5th &ndash; Erin Voss (Colby) "Busy Bee"<img class="fpo-image" src="/assets/1588286259-1.JanuaryEarlyMorningSunriseWEB.jpg" alt="Blog - Winners of the 2020 Employee Calendar Photo Contest - Early Morning Sunrise" data-type="photo" data-id="1002" /> 6th &ndash; Shari Kaiser (Marshfield) "Early Morning Sunrise"<img class="fpo-image" src="/assets/1588286404-6.JuneCurlyWEB.jpg" alt="Blog - Winners of the 2020 Employee Calendar Photo Contest - Curly" data-type="photo" data-id="1003" /> 7th &ndash; Kelly Hilgart (Park Falls) "Curly"<img class="fpo-image" src="/assets/1588286425-2.FebruaryLimestoneArchRockWEB.jpg" alt="Blog - Winners of the 2020 Employee Calendar Photo Contest - Limestone Arch Rock" data-type="photo" data-id="1004" /> 8th &ndash; Kelly Booth (Withee) "Limestone Arch Rock"<img class="fpo-image" src="/assets/1588286451-8.AugustOnLakeMichiganWEB.jpg" alt="Blog - Winners of the 2020 Employee Calendar Photo Contest - On Lake Michigan" data-type="photo" data-id="1005" /> 9th &ndash; Morgan Boie (Thorp) "On Lake Michigan"<img class="fpo-image" src="/assets/1588286471-12.DecemberWinterySerenityWEB.jpg" alt="Blog - Winners of the 2020 Employee Calendar Photo Contest - Winter Serenity" data-type="photo" data-id="1006" /> 10th &ndash; JoAnna Yeager (Stanley) "Winter Serenity"<img class="fpo-image" src="/assets/1588286500-10.OctobercalmnightWEB.jpg" alt="Blog - Winners of the 2020 Employee Calendar Photo Contest - Calm Night" data-type="photo" data-id="1007" /> 11th &ndash; Jenny Green (Park Falls) "Calm Night"<img class="fpo-image" src="/assets/1588286512-7.JulySunsetWEB.jpg" alt="Blog - Winners of the 2020 Employee Calendar Photo Contest - Sunset" data-type="photo" data-id="1008" /> 12th &ndash; Chrissy Walczak (Marshfield) "Sunset"<img class="fpo-image" src="/assets/1588286526-DuckFamilyWEB.jpg" alt="Blog - Winners of the 2020 Employee Calendar Photo Contest - Duck Family" data-type="photo" data-id="1009" /> Honorable Mention &ndash; Ruth Thompson (Withee) "Duck Family"|||None{{NEWLINE}}$5,000 Touchdown Throw Returns with a Few Changes|08/05/2019|"Community Giving"|yes|5000-touchdown-throw-returns-with-a-few-changes||More schools and more chances to win! For the second year, Forward Bank will be sponsoring a $5,000 Touchdown Throw at 12 local high school football games this fall. To support the mission of giving back to the community, half of the overall prize will be given to the school athletic program.|<img class="fpo-image" src="/assets/1588286607-PhotoAug1762245PMweb768x576.jpg" alt="Blog - $5,000 Touchdown Throw Returns with a Few Changes" data-type="photo" data-id="1011" />More schools and more chances to win! For the second year, Forward Bank will be sponsoring a $5,000 Touchdown Throw at 12 local high school football games this fall. To support the mission of giving back to the community, half of the overall prize will be given to the school athletic program.Each fan at a participating High School Football game will be eligible to attempt the $5,000 touchdown throw into a 32-gallon barrel sitting on the goal line of the end zone. The lucky participant will be selected at random from the crowd to attempt the throw from the 15-yard line. This year, the passer will have 2 attempts. If successful, the passer will receive $2,500 and $2,500 will be donated to the athletic program on their behalf. There is no cost to participate."We are excited to continue our partnerships with our school athletic programs and support our student athletes with this unique donation opportunity," commented Bill Sennholz, President/CEO of Forward Bank. "By moving the barrel to the front of the end zone, making the throw about 10 yards closer than last year and providing two chances to make the throw, we're hoping to increase the odds of awarding the grand prize in each of our communities."Forward Bank will be at the following games:<ul><li>Chequamegon Screaming Eagles &ndash; Thursday, August 22nd</li><li>Thorp Cardinals &ndash; Friday, August 23rd</li><li>Colby Hornets &ndash; Friday, August 30th</li><li>Medford Red Raiders &ndash; Friday, September 6th</li><li>Spencer/Columbus Rockets &ndash; Friday, September 6th</li><li>Stanley-Boyd Orioles &ndash; Friday, September 13th</li><li>Abbotsford Falcons &ndash; Friday, September 20th</li><li>Greenwood Indians &ndash; Friday, September 27th</li><li>Gilman Pirates &ndash; Friday, October 4th</li><li>Owen-Withee Blackhawks &ndash; Friday, October 11th</li><li>Marshfield Tigers &ndash; Friday, October 18th</li><li>Phillips Loggers &ndash; Friday, October 18th</li></ul>Please support your local High School football programs and you could have the opportunity to throw a $5,000 touchdown pass! Learn more about our <a href="/community-giving/cooperative-programs/">Cooperative Programs</a> and <a href="/community-giving/">view videos</a> from previous events.|||None{{NEWLINE}}100 Years Forward - I would want 100...|08/12/2019|"Forward Family"|yes|100-years-forward--i-would-want-100||Forward is celebrating 100 years in 2019! And while 100 years is a great accomplishment for a bank, we wanted to ask our employees, if they could have 100 of anything, what would it be? Vacation days? Cats? #100YearsForward|<img class="fpo-video" src="https://img.youtube.com/vi/Dk_F8BeaymM/mqdefault.jpg" alt="undefined" data-type="video" data-id="1013" />Forward is celebrating 100 years in 2019! And while 100 years is a great accomplishment for a bank, we wanted to ask our employees, if they could have 100 of anything, what would it be? Vacation days? Cats? #100YearsForward|||None{{NEWLINE}}Forward Bank Donates $60,000 to the Chequamegon School Bleacher Project|08/14/2019|"Community Giving"|yes|forward-bank-donates-60000-to-the-chequamegon-school-bleacher-project||Forward Bank recently made a $60,000 donation toward the Chequamegon School Bleacher project.
The project to replace the bleachers at the Chequamegon High School football field will bring the facilities up to date and allow for more ADA accessibility for viewing local sporting events.|<img class="fpo-image" src="/assets/1588287196-ChequamegonBleacherDonationweb.jpg" alt="Blog - Forward Bank Donates $60,000 to the Chequamegon School Bleacher Project" data-type="photo" data-id="1015" />Forward Bank recently made a $60,000 donation toward the Chequamegon School Bleacher project.The project to replace the bleachers at the Chequamegon High School football field will bring the facilities up to date and allow for more ADA accessibility for viewing local sporting events."A donation of this magnitude is part of our mission to give back to our community," commented Bill Sennholz, President &amp; CEO of Forward Bank. "Our community support is how we pay dividends to our owners. Instead of sending checks to individuals, we invest in our community with projects like the bleacher project.""Our area high school athletic events bring our communities together to support student athletes,&rdquo; stated Tom Armstrong, SVP / Market President at Forward Bank. &ldquo;The lessons learned on and off the field by athletes and spectators alike are carried in to the Park Falls community and help to drive long-term success."Pictured is Mike Mader, Tom Armstrong, Victor Ambrose, Tracy Linsmeyer (with check), Sam Pritzl, Mark Weddig, and Michael Bablick.|||None{{NEWLINE}}Animal Invasion? You May or May Not Be Covered|08/19/2019|"Insurance"|yes|animal-invasion-you-may-or-may-not-be-covered||Your dog ate your couch. Birds destroyed your gutter. A family of raccoons overran your garage. Will your homeowners insurance cover these animal invasions? Yes and no. Here's the scoop:|Your dog ate your couch. Birds destroyed your gutter. A family of raccoons overran your garage. Will your homeowners insurance cover these animal invasions? Yes and no. Here's the scoop:Infestation: If your home suffers damage at the hands (or legs) of insects, rodents, or vermin, the cost probably won't be covered by your homeowners insurance. Whatever damage these unwanted guests cause, including nesting and infestation, is not usually covered. However, this varies by policy, so be sure to check with your insurance agent to confirm.Destruction: If your personal property is destroyed by an animal, this usually does not fall under your homeowners policy coverage. If the animal damages the property itself, this is probably covered. So, if a bear breaks into your garage and mauls your tools, you might be on your own to replace your saw, but the damage Mr. Grizzly caused to the garage door should be covered.Liability: Coverage for damages caused by pets varies based on where the damage occurs. If your cute kitten ruins your new loveseat, you'll have to hold Fluffy responsible. Your insurance company probably won't pay for that. But if you bring Fido to your friends' house and he eats their loveseat, the liability portion of your policy will kick in and cover this damage.Do you have concerns about potential animal-related damages? Review your policies with a Forward Insurance Agent and determine what specific coverage is best for you and available in your area.|/assets/thumb__1588287295-b57cb3fe060b4e365f4756e99b2b4287wc240090xdw685h860q80.jpg|1017|None{{NEWLINE}}Estate Planning Seminar, August 2019|08/26/2019|"Investments"|yes|estate-planning-seminar-august-2019||Attorneys Aric D. Burch and Jessica A. Merkel from Ruder Ware will inform you about topics including what is a power of attorney, can I avoid a guardianship, does a will or a trust protect my assets, and more!|<img class="fpo-image" src="/assets/1588287531-WebsiteimageFISEstatePlanning2019.jpg" alt="Blof - Estate Planning Seminar" data-type="photo" data-id="1019" /><h3>Wednesday, September 28, 2019 10:00am &ndash; Noon or 5:30pm-7:30pm</h3>Forward Bank (1001 N. Central Ave., Marshfield)Attorneys Aric D. Burch and Jessica A. Merkel from Ruder Ware will inform you about the following topics:<ul><li>What is a power of attorney?</li><li>Can I avoid a guardianship?</li><li>Does a will or a trust protect my assets?</li><li>How can I get help paying for assisted living and nursing home care?</li><li>Can I protect my house from a nursing home lien?</li><li>Is it too late to start planning?</li></ul>Light snacks and refreshments will be provided. Everyone is welcome, bring a friend or family member!Reserve Your Seat: Call 715-389-6489 or email marisa.steinbach at ceterais dot com**Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory Services are offered through Cetera Investment Advisors LLC. Cetera is not affiliated with the financial institution where investment services are offered. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency. For a comprehensive review of your personal situation, always consults a tax or legal Advisor. Neither Cetera Investment Services, nor any of its representatives may give legal or tax advice. 715-387-1122|||None{{NEWLINE}}How Young is Too Young for Life Insurance?|09/03/2019|"Insurance"|yes|how-young-is-too-young-for-life-insurance||Traditionally, parents buy life insurance policies for themselves to provide for their children in their absence. However, there are times when parents may want to consider purchasing a life insurance policy for their child.|Traditionally, parents buy life insurance policies for themselves to provide for their children in their absence. However, there are times when parents may want to consider purchasing a life insurance policy for their child.The most cited reason why you might want life insurance for your child is the payment of final expenses, such as outstanding medical bills and funeral costs. While that is a good reason for insurance, other scenarios may also make life insurance advantageous for the young (and may be a bigger concern, financially, than end-of-life expenses).For example, when your child turns 18 and goes to college, you might incur significant debt by cosigning loans. Today, a private college costs an average of $38,589 per year, more than $150,000 total. It&rsquo;s likely you&rsquo;re expecting your child to pay off that debt when he or she graduates.But what if he or she cannot, due to an unfortunate illness or accident? Life insurance would help you pay those loans. As this scenario suggests, there are a number of moments in an individual&rsquo;s life when life insurance may be needed, regardless of the person&rsquo;s age.Typically, life insurance premiums on a child are very low, so you can purchase a lot of insurance for a long period of time. Moreover, when you purchase life insurance for a child, you guarantee his or her insurability, and that can be important as the child ages.Contact a <a href="/insurance/meet-our-agents/">Forward Insurance Agent</a> for more information on how you can get started!|/assets/thumb__1588287803-childrenfamily.jpg|1021|None{{NEWLINE}}Community & Employee Involvement - Take 1|09/05/2019|"Community Giving|Forward Family"|yes|community-employee-involvement-take-one||Our mission at Forward Bank is to "Move our Communities Forward." Employees stand behind this mission and contribute back to our communities not only as volunteers for organizations, but as leaders. <a href="https://www.youtube.com/results?search_query=%23100YearsForward" target="_blank" rel="noopener" class="speedbump">#100YearsForward</a>|<img class="fpo-video" src="https://img.youtube.com/vi/Y889oOEDF1Q/mqdefault.jpg" alt="undefined" data-type="video" data-id="1023" />Our mission at Forward Bank is to "Move our Communities Forward." Employees stand behind this mission and contribute back to our communities not only as volunteers for organizations, but as leaders. <a href="https://www.youtube.com/results?search_query=%23100YearsForward" target="_blank" rel="noopener" class="speedbump">#100YearsForward</a>|||None{{NEWLINE}}Forward Bank Has First $5,000 Touchdown Throw Winner in Colby|09/11/2019|"Community Giving"|yes|forward-bank-has-first-5000-touchdown-throw-winner-in-colby||Forward Bank sponsored a $5,000 Touchdown Throw on August 30th at the Colby Hornets football game and saw it's first winner!|Forward Bank sponsored a $5,000 Touchdown Throw on August 30th at the Colby Hornets football game and saw it's first winner!The lucky participant, Kevin Spindler, was selected at random from the crowd to attempt a 15 yard throw into a 32-gallon barrel sitting on the goal line for a chance to win $2,500 for himself and $2,500 for the school&rsquo;s athletic program. Kevin's first throw fell short and knocked into the front of the barrel. With the crowd cheering him on, he adjusted the distance on his second attempt and the ball sailed right into the barrel! Kevin is the first winner of the $5,000 Touchdown Throw since it replaced the field goal kick in 2018. Congratulations to Kevin and the Colby athletic program!<img class="fpo-video" src="https://img.youtube.com/vi/XLhSUaeiiLc/mqdefault.jpg" alt="undefined" data-type="video" data-id="1025" />"These types of events encourage our communities to come out and support our student athletes," commented Vicky Fischer, Office Manager at Forward Bank in Colby. "It is also a unique way for us to connect with our communities while giving back in a fun and exciting way! We're so happy to have the first winner in Colby!"<img class="fpo-image" src="/assets/1588338905-ColbyTouchdownThrow1024x768.jpg" alt="Blog - Forward Bank Has First $5,000 Touchdown Throw Winner in Colby" data-type="photo" data-id="1026" />Touchdown Throws are occurring at high school football games in each of the communities Forward Bank serves. To see full schedule of games or follow <a href="https://www.facebook.com/ForwardBankWI/" target="_blank" rel="noopener" class="speedbump">Forward Bank on Facebook</a>.Photo (left to right): Vicky Fischer, Erin Voss, Jessica Resler, Maria Palacios, Melanie Fetting, Dana Phillips, Kevin Spindler, Nathan Kunze, Traci Geiger, Sandy Klatt, and Gary Schraufnagel.|||None{{NEWLINE}}Remodels: What's Good for Resale and What's Not|09/13/2019|"Mortgage|Personal Banking"|yes|remodels-whats-good-for-resale-and-whats-not||You want to get the best price for your house. You're willing to do some remodeling &ndash; if it will deliver significant ROI. What&rsquo;s worth the effort? Here are three projects worth considering and three that you can skip.|You want to get the best price for your house. You're willing to do some remodeling &ndash; if it will deliver significant ROI. What&rsquo;s worth the effort? Here are three projects worth considering and three that you can skip.<img class="fpo-image" src="/assets/1588339292-Main768x489.jpg" alt="Blog - Remodels: What" data-type="photo" data-id="1028" />What you should consider&hellip;<ul><li>Kitchens &ndash; They sell homes. If your culinary center is looking worse for the wear, it will likely turn off potential buyers. Updating your kitchen is a good way to increase the value and appeal of your home.</li><li>Bathrooms &ndash; These areas are also high on buyer's priority lists, so they should be on yours, too. Focus efforts on the master bath and the powder room.</li><li>Curb Appeal &ndash; First impressions are important and the front of your home is the first thing buyers see. Make efforts that will boost curb appeal, such as repainting that exterior, adding plants, and sprucing up the entry with a new door. These projects can often be completed at low cost but offer high return.</li></ul>What you can skip&hellip;<ul><li>Pools &ndash; While you may enjoy countless hours of fun in your pool, this feature probably won't pay for itself in home value increase. In fact, it could be a turnoff for some home buyers.</li><li>Wine Rooms &ndash; While they may sound elegant, wine rooms or other original-design spaces are often too niche. Their limited audience makes them a poor investment choice.</li><li>Removals &ndash; Just because you never use that fireplace doesn't mean you should demolish it. Removing features is typically not a good investment. Potential buyers may wish it were still there, and you aren&rsquo;t likely to recoup the cost of removing the feature.</li></ul>For expert input on your remodeling efforts, contact a <a href="/mortgages/meet-our-lenders/">Mortgage Lender</a>. We can discuss project ideas and offer support to get the best return on investment.|||None{{NEWLINE}}The Role of Life Insurance in Financial Planning|09/17/2019|"Insurance"|yes|the-role-of-life-insurance-in-financial-planning||Many people don't think they need life insurance unless they provide heavily for a spouse and children. Even then, it's often overlooked. But life insurance should be part of any comprehensive financial plan.|Many people don't think they need life insurance unless they provide heavily for a spouse and children. Even then, it's often overlooked. But life insurance should be part of any comprehensive financial plan.Here are three reasons why you might need it.Your family is blended: Life insurance can provide for the equal transfer of wealth among different family members when you or your spouse are divorced and remarried. If you're remarried, for example, life insurance can provide for your new spouse while your children inherit other assets, such as property or valuables. Similarly, you may have children from multiple unions, in which case life insurance can help you ensure that all of your children are provided for equally.You will have end-of-life expenses: Most of us have various end-of-life expenses, and life insurance can create a reserve to pay those expenses upon your death. For example, it can fund the tax liability of your estate when it's inherited by your loved ones. It can also pay for medical bills and funeral arrangements. It can even provide much-needed daily liquidity for your loved ones if other assets, such as property, are hard to convert to cash.You own a small business: If you own a small or family business, life insurance can provide for the ongoing survival of this company. It can fund the sale or purchase of your business, for example, or it can provide for family members who won't receive a share of the business when it's handed over to someone else upon your demise.Finally, remember that your life-insurance needs are likely to change over the course of your life as your personal and financial circumstances evolve. As a result, it's important to check in regularly with an insurance agent to ensure that you're properly covered for your current needs.A good rule of thumb is to contact your agent once a year to review your needs. Make it a habit to get in touch at the beginning of each calendar year, or use your birthday as a cue to contact your agent.This article and any information contained herein is intended for informational purposes only and should not be construed as legal advice. The publisher will not be responsible for errors or omissions or any damages, howsoever caused, that result from its use. Seek competent legal counsel for advice on any legal matter.|/assets/thumb__1588339358-HowtoSetYourOwnSalarySmallBusinessOwnerSalaryCalculator768x384.jpg|1030|None{{NEWLINE}}Community & Employee Involvement - Take 2|09/19/2019|"Community Giving"|yes|community-employee-involvement--take-2||Forward is proud to be a community focused bank and supports employee driven initiatives to give back to communities through volunteer hours and donations. <a href="https://www.youtube.com/results?search_query=%23100YearsForward" target="_blank" rel="noopener" class="speedbump">#100YearsForward</a>|<img class="fpo-video" src="https://img.youtube.com/vi/hKroxhMS2Ks/mqdefault.jpg" alt="undefined" data-type="video" data-id="1032" />Forward is proud to be a community focused bank and supports employee driven initiatives to give back to communities through volunteer hours and donations. <a href="https://www.youtube.com/results?search_query=%23100YearsForward" target="_blank" rel="noopener" class="speedbump">#100YearsForward</a>|||None{{NEWLINE}}Forward Bank has been named one of the Best Banks to Work For in 2019|09/20/2019|"Forward Family|News / Press Release"|yes|forward-bank-has-been-named-one-of-the-best-banks-to-work-for-in-2019||The Best Banks to Work For program, which was initiated in 2013 by American Banker and Best Companies Group, identifies, recognizes and honors U.S. banks for outstanding employee satisfaction. Full results of this year's program are available at American Banker and in the September issue of American Banker Magazine. forward employees serve pie for Pi Day.|The Best Banks to Work For program, which was initiated in 2013 by American Banker and Best Companies Group, identifies, recognizes and honors U.S. banks for outstanding employee satisfaction. Full results of this year's program are available at American Banker and in the September issue of American Banker Magazine. forward employees serve pie for Pi Day.<img class="fpo-image" src="/assets/1588340874-MarshfieldOfficeJustforFunPiDayservedpietoemployeesWEB.jpg" alt="Blog - Forward Bank has been named one of the Best Banks to Work For in 2019 - Just for Fun: Employees serve pies from local bakeries on March 14, known as Pi Day (3.14)" data-type="photo" data-id="1034" /> Just for Fun: Employees serve pies from local bakeries on March 14, known as Pi Day (3.14)"One of the critical factors in a bank's success is how it treats its employees. This year's list honors those institutions which have gone above and beyond to invest in employees' personal and professional growth," said Rob Blackwell, editor in chief of American Banker."Our employees are the force that drives Forward," commented Bill Sennholz, President and CEO of Forward Bank. "They are the caretakers of our customer relationships and translate our purpose for existing into volunteering and community support that helps us all thrive. It's with that understanding that we will remain dedicated to creating an environment where our team is happy, successful, and feels that they a part of something positive."This is the third consecutive year that Forward Bank has been listed as one of the Best Banks to Work For.Determining the Best Banks to Work For involves a two-step process. The first step involves an evaluation of participating companies' workplace policies, practices, and demographics. In the second step, employee surveys are conducted to directly assess the experiences and attitudes of individual employees with respect to their workplace. The combined scores determine the top banks and the final ranking.<img class="fpo-image" src="/assets/1588340898-StanleyOfficeUglySweaterContestEmployeeEngagementWEB.jpg" alt="Blog - Forward Bank has been named one of the Best Banks to Work For in 2019 - Employee Engagement: Employees participate in the Ugly Sweater Contest each year" data-type="photo" data-id="1035" /> Employee Engagement: Employees participate in the Ugly Sweater Contest each year<img class="fpo-image" src="/assets/1588340922-ColbyOfficeCommunityOutreachVolunteering5KTouchdownThrowWEB.jpg" alt="Blog - Forward Bank has been named one of the Best Banks to Work For in 2019 - Community Outreach: Employees volunteer at local football games while offering the chance to give away $5,000" data-type="photo" data-id="1036" /> Community Outreach: Employees volunteer at local football games while offering the chance to give away $5,000|||None{{NEWLINE}}Cyber Security for Travelers|09/23/2019|"Security Tips"|yes|cyber-security-for-travelers||Cybersecurity should not be limited to the home, office, or classroom. It is important to practice safe online behavior and secure our Internet-enabled mobile devices whenever we travel, as well. The more we travel and access the Internet on the go, the more cyber risks we face. No one is exempt from the threat of cyber crime, at home or on the go, but you can follow these simple tips to stay safe online when traveling.|Cybersecurity should not be limited to the home, office, or classroom. It is important to practice safe online behavior and secure our Internet-enabled mobile devices whenever we travel, as well. The more we travel and access the Internet on the go, the more cyber risks we face. No one is exempt from the threat of cyber crime, at home or on the go, but you can follow these simple tips to stay safe online when traveling.<h3>Before You Go</h3><ul><li>Update your mobile software. Treat your mobile device like your home or work computer. Keep your operating system software and apps updated, which will improve your device's ability to defend against malware.</li><li>Back up your information. Back up your contacts, photos, videos and other mobile device data with another device or cloud service.</li><li>Keep it locked. Get into the habit of locking your device when you are not using it. Even if you only step away for a few minutes, that is enough time for someone to steal or destroy your information. Use strong PINs and passwords.</li></ul><h3>While You Are There</h3><ul><li>Stop auto connecting. Disable remote connectivity and Bluetooth. Some devices will automatically seek and connect to available wireless networks. And Bluetooth enables your device to connect wirelessly with other devices, such as headphones or automobile infotainment systems. Disable these features so that you only connect to wireless and Bluetooth networks when you want to.</li><li>Think before you connect. Before you connect to any public wireless hotspot &ndash; like on an airplane or in an airport, hotel, train/bus station or caf&eacute; &ndash; be sure to confirm the name of the network and exact login procedures with appropriate staff to ensure that the network is legitimate. Do not conduct sensitive activities, such as online shopping, banking, or sensitive work, using a public wireless network. Only use sites that begin with &ldquo;https://&rdquo; when online shopping or banking. Using your mobile network connection is generally more secure than using a public wireless network.</li><li>Think before you click. Use caution when downloading or clicking on any unknown links. Delete emails that are suspicious or are from unknown sources. Review and understand the details of an application before installing.</li><li>Guard your mobile device. To prevent theft and unauthorized access or loss of sensitive information, never leave your mobile devices&ndash;including any USB or external storage devices&ndash;unattended in a public place. Keep your devices secured in taxis, at airports, on airplanes, and in your hotel room.</li></ul>Source: Homeland Security &ndash; Stop. Think. Content.|/assets/thumb__1588343787-travelairportfathersonplanewindowmobilephoneiStock62728179410wcropped72dpiWEB.jpg|1038|None{{NEWLINE}}Bonfire Safety Tips for Your Next Backyard Blaze|09/30/2019|"Insurance"|yes|bonfire-safety-tips-for-your-next-backyard-blaze||Fall is a great time for campfires and backyard bonfires. Here's how to stay safe (and avoid insurance claims) while you roast your marshmallows.|Fall is a great time for campfires and backyard bonfires. Here's how to stay safe (and avoid insurance claims) while you roast your marshmallows.<img class="fpo-image" src="/assets/1588344215-Main1768x489.jpg" alt="Blog - Bonfire Safety Tips for Your Next Backyard Blaze" data-type="photo" data-id="1040" />Contain It. Establish a safe zone for your fire that prevents it from spreading. Create a ring of rocks on the outside of the bonfire area. Clear away any grass and leaves around the bonfire, creating a 10-foot circle of dirt around the fire. To further establish this dirt-only zone, dig a hole two feet across and six inches deep for your bonfire, then pile dirt around this pit.Extinguish It. Never leave a fire unattended. When the bonfire party is over, make sure the fire is completely out. To ensure it is extinguished, douse the fire with water, then stir the embers to make sure everything gets wet. Scrape any partially burned logs to remove hot embers, then mix the ashes and embers with some dirt. Before you leave the area, everything should be cool to the touch, including the ring of rocks.Plan It. Before you light a bonfire, consider the environment. Check the National Weather Service for Fire Weather Warnings. If there is a Red Flag Warning, consider postponing your bonfire. Other conditions to watch for are dry air (low humidity, which increases the risk of wildfires) and high winds, which can quickly blow embers and ashes onto flammable objects.Prevent It. Whether you use a portable pit or build a stone ring in your yard, make sure the bonfire is situated at a safe distance from your home. Keep in mind that embers can travel a significant distance from the source. Before you light the fire, take the necessary precautions so you remain safe and won&rsquo;t have to worry about an insurance issue resulting from your bonfire.Talk with an <a href="/insurance/meet-our-agents/">insurance agent</a> to see what your policy covers and make sure your bonfire blaze is well protected!|||None{{NEWLINE}}Cyber Security for Businesses|10/04/2019|"Business Banking|Security Tips"|yes|cyber-security-for-businesses||America thrives with small businesses in society. There are numerous opportunities for small businesses to fill needed niches within the industry. However, many small businesses may not have all the resources they need to have a strong cybersecurity posture. By implementing simple cybersecurity practices throughout the organizations, small business can safeguard their information and data for increased profits.|America thrives with small businesses in society. There are numerous opportunities for small businesses to fill needed niches within the industry. However, many small businesses may not have all the resources they need to have a strong cybersecurity posture. By implementing simple cybersecurity practices throughout the organizations, small business can safeguard their information and data for increased profits.<img class="fpo-image" src="/assets/1588345979-iStock68110526072dpi.jpg" alt="Blog - Cyber Security for Businesses" data-type="photo" data-id="1042" /><h3>Did You Know?</h3><ul><li>44 percent of small businesses reported being the victim of a cyber attack, with an average cost of approximately $9,000 per attack.1</li><li>Nearly 59 percent of U.S. small and medium-sized businesses do not have a contingency plan that outlines procedures for responding to and reporting data breach losses.2</li></ul><h3>Simple Tips</h3><ul><li>Make sure all of your organization's computers are equipped with antivirus software and antispyware. This software should be updated regularly.</li><li>Secure your Internet connection by using a firewall, encrypt information, and hide your Wi-Fi network.</li><li>Establish security practices and policies to protect sensitive information.</li><li>Educate employees about cyber threats and how to protect your organization's data. Hold employees accountable to the Internet security policies and procedures.</li><li>Require employees to use strong passwords and to change them often.</li><li>Invest in data loss protection software, use encryption technologies to protect data in transit, and use two-factor authentication where possible.</li><li>Protect all pages on your public-facing websites, not just the checkout and sign-up pages.</li></ul><h3>Resources Available to You</h3>US-CERT.govThe United States Computer Emergency Readiness Team (US-CERT) distributes bulletins and alerts for both technical and non-technical users, shares cybersecurity tips, and responds to incident, phishing, and vulnerabilities reports.SBA.govThe U.S. Small Business Administration (SBA) helps Americans start, build, and grow businesses. Through an extensive network of field offices and partnerships with public and private organizations, SBA delivers its services to people throughout the United States, Puerto Rico, the U.S. Virgin Islands, and Guam.USChamber.comThe U.S. Chamber of Commerce has an Internet Safety Toolkit that teaches employees how to help protect company information, customer data, and their own personal information.Source: Homeland Security &ndash; Stop. Think. Connect.1 2013 Small Business Technology Survey, National Small Business Association2 www.staysafeonline.org/about-us/news/new-survey-shows-us-small-business-owners-not-concerned-aboutcybersecurity, 2013|||None{{NEWLINE}}Technology Insurance vs. Cyber Security Coverage|10/14/2019|"Business Banking|Security Tips"|yes|technology-insurance-vs-cyber-security-coverage||In today's business world, most companies are dependent on technology for some or all of their company's operations. While this makes many new processes and services possible, it also leaves businesses vulnerable to a new realm of risk. Cyber crimes, computer crashes, and software malfunctions are just a few of the technological risks that modern companies now face. Since technological incidents can cost a business anything from a few minutes of inconvenience to millions of dollars, it&rsquo;s essential for companies to have appropriate insurance coverage.|In today's business world, most companies are dependent on technology for some or all of their company's operations. While this makes many new processes and services possible, it also leaves businesses vulnerable to a new realm of risk. Cyber crimes, computer crashes, and software malfunctions are just a few of the technological risks that modern companies now face. Since technological incidents can cost a business anything from a few minutes of inconvenience to millions of dollars, it&rsquo;s essential for companies to have appropriate insurance coverage.Enter technology insurance and cyber insurance. These two types of policies provide the protection businesses need to recover from technological disasters. Not only is their coverage important, but businesses need to know that these policies are not one in the same. They apply to different circumstances, and a company might need one policy or the other, or both. Here's the scoop.Technology InsuranceTechnology Errors &amp; Omissions (E&amp;O) policies cover companies that provide technology services (such as data storage) and technology products (such as computer software). The terms of the policy are designed to provide protection for loss and liability. Such losses might be related to liability for media content, damages due to security breaches, or losses due to business interruption. It can also cover extortion threats and crisis management expenses. Technology insurance also typically pays for groundless liability claims and all associated investigations.Cyber InsuranceWhile Tech E&amp;O policies are designed to protect technology providers, cyber insurance is intended to protect technology consumers (the company's customers). It covers situations in which customers' identities, credit cards, health records, or other sensitive information is compromised. The policy pays for any damages incurred.OverlapCyber insurance policies and technology insurance do have some overlap. Either policy may provide coverage if a business experiences a loss related to technology. Since many situations impact both the technology provider and the consumer, this overlap is inevitable. However, the specifics of each policy&rsquo;s terms will determine which situations are covered and which are not included.Who Needs Coverage?Since most businesses rely on technology for at least a portion of their operations, some form of coverage is recommended for a majority of companies. Those that serve customers and store sensitive customer information should strongly consider a cyber insurance policy.For high-tech and internet-based businesses, technology business insurance is recommended. Such companies would include IT businesses, website developers, internet service providers, and programmers. Additionally, those who rely heavily on technology solutions as part of their operations (intranet communications, customer e-mails, database management) may also want to add this coverage.Does your business fall into any of these categories? Are you properly protected with insurance for the tech side of your operations?If you're not sure which policy would be right for you or are unsure about your current coverage, contact our office. Our agents would be happy to review your current policies and coverage options to make sure you are prepared for any technological incidents that may come your way.|/assets/thumb__1588346135-ProtectYourBusinessCyberInsurancehacker.jpg|1044|None{{NEWLINE}}Second $5,000 Touchdown Throw Winner in Owen-Withee|10/16/2019|"Community Giving"|yes|second-5000-touchdown-throw-winner-in-owen-withee||Forward Bank sponsored a $5,000 Touchdown Throw on October 11th at the Owen-Withee Blackhawks football game and saw it&rsquo;s second winner!|Forward Bank sponsored a $5,000 Touchdown Throw on October 11th at the Owen-Withee Blackhawks football game and saw it&rsquo;s second winner!The lucky participant, Ryan Gutsch, was selected at random from the crowd to attempt a 15 yard throw into a 32-gallon barrel sitting on the goal line for a chance to win $2,500 for himself and $2,500 for the school's athletic program. It was a cold Friday night, but the crowd erupted with cheers when Ryan's throw sailed effortlessly into the barrel. Ryan is the second winner of the $5,000 Touchdown Throw since it replaced the field goal kick in 2018. Congratulations to Ryan and the Owen-Withee athletic program!<img class="fpo-video" src="https://img.youtube.com/vi/4Q1sf77VWIg/mqdefault.jpg" alt="undefined" data-type="video" data-id="1047" />"These types of events encourage our communities to come out and support our student athletes commented Sara Blume, Office Manager at Forward Bank in Withee. "It is also a unique way for us to connect with our communities while giving back in a fun and exciting way!" We're so happy to have a winner in Owen-Withee!"<img class="fpo-image" src="/assets/1588346576-66461024x873.jpeg" alt="Blog - Second $5,000 Touchdown Throw Winner in Owen-Withee" data-type="photo" data-id="1046" />Touchdown Throws are occurring at high school football games in each of the communities Forward Bank serves. To see full schedule of games follow <a href="https://www.facebook.com/ForwardBankWI/" target="_blank" rel="noopener" class="speedbump">Forward Bank on Facebook</a>.Photo (first row): Kelly Booth, Heidi Hatlestad, Amanda Krueger, Leah Shakal, Sara Blume, (last row): Mel Thompson, Travis Hazard, Ruth Thompson, Jesse Nelson, Ryan Gutsch, Sandy Klatt, Bill Sennholz, Heather Zoellick|||None{{NEWLINE}}Cyber Security for Mobile|10/18/2019|"Security Tips"|yes|cyber-security-for-mobile||Almost all Americans, regardless of age, are using mobile devices. Often, mobile devices are used for sensitive activities, including banking, online shopping and social networking. Some of these activities require users to provide personal information such as their names, account numbers, addresses, email addresses and passwords. Moreover, apps routinely ask for access to information stored on the device, including location information.|Almost all Americans, regardless of age, are using mobile devices. Often, mobile devices are used for sensitive activities, including banking, online shopping and social networking. Some of these activities require users to provide personal information such as their names, account numbers, addresses, email addresses and passwords. Moreover, apps routinely ask for access to information stored on the device, including location information.In addition, the use of unsecured, public Wi-Fi hotspots has increased dramatically over the past few years. These networks are accessible on airplanes, in coffee shops, shopping malls and at sporting events. While continued access provides us with more flexibility and convenience to stay connected no matter where we are, it can also make us more susceptible to exposure.The more we travel and access the Internet on the go, the more risks we face on our mobile devices. No one is exempt from the threat of cyber crime, at home or on the go, but you can follow these simple tips to stay safe online when connecting to the Internet from a mobile device:<ul><li>Think Before You Connect. Before you connect to any public Wi-Fi hotspot&ndash;like on an airplane or in an airport, hotel, train/bus station or caf&eacute;-be sure to confirm the name of the network and exact login procedures with appropriate staff to ensure that the network is legitimate. Using your mobile network connection is generally more secure than using a public Wi-Fi network.</li><li>Guard Your Mobile Device. In order to prevent theft, unauthorized access and loss of sensitive information, never leave your mobile devices&ndash;including any USB or external storage devices&ndash;unattended in a public place. While on travel, if you plan on leaving any devices in your hotel room, be sure those items are appropriately secured.</li><li>Keep It Locked. The United States Computer Emergency Readiness Team (US-CERT) recommends locking your device when you are not using it. Even if you only step away for a few minutes, that is enough time for someone to steal or destroy your information. Use strong PINs and passwords to prevent others from accessing your device.</li><li>Update Your Mobile Software. Treat your mobile device like your home or work computer. Keep your operating system software and apps updated, which will improve your device&rsquo;s ability to defend against malware.</li><li>Only Connect to the Internet if Needed. Disconnect your device from the Internet when you aren&rsquo;t using it and make sure your device isn&rsquo;t programmed to automatically connect to Wi-Fi. The likelihood that attackers will target you becomes much higher if your device is always connected.</li><li>Know Your Apps. Be sure to thoroughly review the details and specifications of an application before you download it. Be aware that the app may request that you share your personal information and permissions. Delete any apps that you are not using to increase your security.</li></ul>Source: Homeland Security &ndash; Stop. Think. Content.|/assets/thumb__1588347059-womanmaturemiddleagebusinesstextmobilephoneofficeiStock668361384200dpix7w768x512.jpg|1049|None{{NEWLINE}}How Telematics Is Transforming Insurance|10/22/2019|"Insurance"|yes|how-telematics-is-transforming-insurance||Technology is transforming every aspect of our lives, and insurance is no exception. Insurance carriers are tapping into automotive telematics to guide insurance premiums.|<img class="fpo-image" src="/assets/1588347356-carroadautospeedsummerspringiStock996990918areyouagooddriver768x512.jpg" alt="Blog - How Telematics Is Transforming Insurance" data-type="photo" data-id="1051" />Technology is transforming every aspect of our lives, and insurance is no exception. Insurance carriers are tapping into automotive telematics to guide insurance premiums.What is telematics? This is a form of communications technology that can be used for monitoring a vehicle to determine driving behaviors. Using a combination of GPS, Bluetooth, and mobile devices, insurance companies can review customers' driving habits and reward safe behaviors with reduced premiums. For example, a telematic device can monitor the times of day drivers are on the road, their mileage, and sudden changes in speed (which indicate rapid accelerations or hard braking).Insurance companies can use this data to predict driving habits and generate a reasonable premium based on these behaviors. Drivers are typically required to have the device in their vehicle for a set period of time before a premium is established. The premium may also fluctuate as driving changes. As vehicle operators drive more safely, the premium lowers.Of course, if drivers have poor driving habits, this can cost the policyholder. If the telematics data shows risky behaviors, the premium could go up! However, the knowledge that they are being monitored and the incentive of monetary savings may actually help drivers develop better habits on the road.Do your operations rely on any commercial vehicles? These safe-driving programs are a growing trend and could provide significant savings on your premiums. To find out more about telematics and how it can help you save money, contact a <a href="/insurance/meet-our-agents/">Forward Insurance agent</a> near you.|||None{{NEWLINE}}Buying a Term Life Insurance Policy|11/04/2019|"Insurance"|yes|buying-a-term-life-insurance-policy||Term life insurance (life insurance that is in effect for a limited period of time instead of your entire life) can sometimes be the right answer. Before covering the why, let's review how term life insurance works.|Term life insurance (life insurance that is in effect for a limited period of time instead of your entire life) can sometimes be the right answer. Before covering the why, let's review how term life insurance works.Let's say you have a term life policy for $500,000 with a "term" of 15 years. If you were to die on the last day of the fourteenth year, your beneficiary would receive the policy amount of $500,000. If you were to die two days later, your beneficiary would receive nothing. Why would anyone want a life insurance policy like that? There are some good reasons. Two top the list: it covers your needs, and it&rsquo;s affordable.<h3>It Covers Your Needs</h3>Sometimes, when you buy life insurance, you're protecting your loved ones from the many unknowns that could negatively affect them if you die prematurely. The policy payout may replace your income, pay off the mortgage and the auto loan, and fund your children's college education, for example.Other times, you don&rsquo;t have such generalized needs. If your spouse works, and your children are in high school, your spouse's salary may cover the daily expenses if you die. You simply need to ensure that if you die within the next 10 years, there will be enough money to see your children through college.In that case, a 10-year term life insurance policy might be all you need. In other words, term life insurance is a simple solution for a specified risk.<h3>It's Affordable</h3>The other reason people choose term life insurance is that it's affordable. Because the insurance company is taking on less risk, it can afford to offer you lower premiums. You get the most amount of coverage for the least amount of money up front. And there's nothing wrong with choosing term insurance because it&rsquo;s cost-effective. After all, why pay for more than you need?Contact a <a href="/insurance/meet-our-agents/">Forward Insurance Agent</a> to learn more!|/assets/thumb__1588349113-meetingbusiness768x488.jpg|1053|None{{NEWLINE}}Financial Mistakes to Avoid When Buying a Home|11/12/2019|"Mortgage"|yes|financial-mistakes-to-avoid-when-buying-a-home||A home purchase is likely one of the largest financial investments you'll make in your lifetime. It's important to get this one right. For the best financial outcomes, avoid the following mistakes.|A home purchase is likely one of the largest financial investments you'll make in your lifetime. It's important to get this one right. For the best financial outcomes, avoid the following mistakes.Taking on too much: You think you've found your dream home, but it&rsquo;s outside your housing budget. So, you try to stretch that budget and simply take out a bigger mortgage. This decision can be disastrous. Taking on more debt than you can afford will leave you struggling to pay utilities and zap any other financial goals. A good rule of thumb is to limit the cost of your house payment (including taxes, insurance and any HOA fees) to 25 percent of your take-home pay.Skipping the preapproval: Getting preapproved will help you with not taking on too much, as it will provide guidelines for what you can realistically afford. It will also give you a financial advantage when negotiating for a home. Sellers prefer to work with buyers that they know can afford their home, so get preapproved before you shop, so you can submit your pre-approval with any offers. Apply online for pre-approval or visit our Online Mortgage Center for more information.Skimping on the down payment: The more money you pay up front, the less interest you'll pay over time. If you save at least 20 percent for a down payment, you can also avoid PMI, which is a fee to cover insurance that protects lenders when a buyer has little equity in the home. And don't forget to include closing costs and moving expenses as you save up for your purchase.Going it alone: An experienced agent helps you determine a reasonable price for any home you are considering. They also negotiate the best price for the home. Plus, the seller pays the agent&rsquo;s commission, so you get all the expertise at no cost to you.<a href="/mortgages/meet-our-lenders/">Contact a Mortgage Lender</a> at Forward Bank today!|/assets/thumb__1588349756-couplemortgagebuyinghousemeetinginvestmentsyoungmanwomaniStock637214792WEB.jpg|1055|None{{NEWLINE}}Forward Bank Expands $5,000 Half Court Shot|11/15/2019|"Community Giving"|yes|forward-bank-expands-5000-half-court-shot||More schools and more chances to win! Forward Bank will be holding $5,000 half-court shots at 13 local high school basketball games and 3 hockey games this winter! To support the mission of giving back to the community, half of the overall prize will be given to the school athletic program.|More schools and more chances to win! Forward Bank will be holding $5,000 half-court shots at 13 local high school basketball games and 3 hockey games this winter! To support the mission of giving back to the community, half of the overall prize will be given to the school athletic program.Each fan attending a participating high school basketball game will be eligible to attempt the $5,000 half court shot. The lucky participant will be selected at random from the crowd and will have 2 attempts to make the shot. If successful, the shooter will receive $2,500 and $2,500 will be donated to the athletic program on their behalf. There is no cost to participate.Those attending the hockey games will have a similar opportunity to make a $5,000 shot on goal. The participant will be randomly selected and have 2 attempts from the center line to pass the puck through a 20&rdquo; cut out in a banner covering the goal.Even if the shot is not made, a donation of $250 will be made to the school athletic program."Student athletes are adding to their educational experience and will bring many skills to their communities and future employees," commented Bill Sennholz, President/CEO of Forward Bank. "That's why it's so important that we invest in athletic programs in our communities so they can continue to have that opportunity."Forward Bank will be at the following basketball/hockey games:<ul><li>Colby Hornets &ndash; Thursday, December 5th</li><li>Medford Raiders (Hockey) &ndash; Tuesday, December 10th</li><li>Columbus Dons &ndash; Friday, December 13th</li><li>Athens Bluejays &ndash; Tuesday, December 17th</li><li>Thorp Cardinals &ndash; Friday, December 20th</li><li>Chequamegon Screaming Eagles &ndash; Friday, January 3rd</li><li>Phillips Loggers &ndash; Tuesday, January 7th</li><li>Stanley-Boyd Orioles &ndash; Friday, January 10th</li><li>Greenwood Indians &ndash; Friday, January 10th</li><li>Chequamegon Screaming Eagles (Hockey)&ndash; Tuesday, January 14th</li><li>Owen-Withee Blackhawks &ndash; Thursday, January 16th</li><li>Marshfield Tigers &ndash; Friday, January 24th (Girls Varsity Game)</li><li>Marshfield Tigers (Hockey) &ndash; Friday, January 31st</li><li>Gilman Pirates &ndash; Thursday, February 6th</li><li>Medford Raiders &ndash; Friday, February 7th</li><li>Abbotsford Falcons &ndash; Friday, February 14th (Boys Varsity Game)</li></ul>Please support your local high school athletic programs by attending these games and you could have the opportunity to win $2,500 for yourself and $2,500 for the school!Learn more about <a href="/community-giving/cooperative-programs/">Cooperative Programs</a>|/assets/thumb__1588350283-4837972319284717071904232879382762849042432o1024x683.jpg|1057|None{{NEWLINE}}Forward Bank Elects Jon Pesko and Terry Palecek to the Board of Directors|11/19/2019|"Forward Family|News / Press Release"|yes|forward-bank-elects-jon-pesko-and-terry-palecek-to-the-board-of-directors||The Board of Directors of Forward Bank voted to add Jon Pesko and Terry Palecek to the Board at their October meeting.|The Board of Directors of Forward Bank voted to add Jon Pesko and Terry Palecek to the Board at their October meeting.Pesko is the majority owner of United Pride Dairy, a partner in Railview Distribution, and Phillips Lumber and Hardware. He is active in the community serving as the President of the Board of Education. Pesko has made a positive impact on the dairy industry serving on the Board of Directors of the Wisconsin Dairies &amp; Foremost Farms Cooperative in the past.Palecek is the owner of multiple businesses in the Park Falls area including Terry Palecek Inc &amp; Palecek Trucking, Lake Region Holdings LLC, and Butternut Regional Warehouse. He is actively involved in his local community serving as the Town Chairman for Agenda, on the Butternut Fire commission, Butternut Cemetery Association, and the Flambeau River Advisory Council."Jon and Terry bring Board representation to our two northern communities of Phillips and Park Falls," said Bill Sennholz, President and CEO of Forward Bank. "Their knowledge of this area is extremely beneficial as we continue our outreach. Each has a vast amount of experience in their respective fields, and we are excited at the insight that they will provide."<img class="fpo-image" src="/assets/1588350829-terryandjonimageweb768x441.jpg" alt="Blog - Forward Bank Elects Jon Pesko and Terry Palecek to the Board of Directors" data-type="photo" data-id="1059" />|||None{{NEWLINE}}What Makes Forward Unique - Mutual Bank|12/04/2019|"Forward Family|News / Press Release"|yes|what-makes-forward-unique--mutual-bank||Forward Bank is a customer-owned, independent community bank who operates to benefit its depositors while offering no fee deposit options, lower lending fees and rates.|<img class="fpo-video" src="https://img.youtube.com/vi/z1l8VeVgJ18/mqdefault.jpg" alt="undefined" data-type="video" data-id="1061" />Forward Bank is a customer-owned, independent community bank who operates to benefit its depositors while offering no fee deposit options, lower lending fees and rates.Dave Clark, Executive Vice President.|||None{{NEWLINE}}It's Time to Review Your Insurance Coverage|12/10/2019|"Insurance"|yes|its-time-to-review-your-insurance-coverage||As the new year approaches, many people review their lives and make new goals for the future, to maybe eat better or exercise more, for example. This turning of the calendar page is also a good time to review your insurance coverage. An annual review allows you to update information and policies to ensure you are appropriately protected in the coming year.|As the new year approaches, many people review their lives and make new goals for the future, to maybe eat better or exercise more, for example. This turning of the calendar page is also a good time to review your insurance coverage. An annual review allows you to update information and policies to ensure you are appropriately protected in the coming year.To complete this process, take the following key steps.<ul><li>Take inventory: Create a home inventory (or update your current one). Be sure to add any major gifts you receive this holiday season and remove anything you have donated, sold, or thrown away in 2019. In your inventory, include a description and the cost of items. Scan or photograph receipts to save with your list. Store everything online and/or off-site so you can access it in case of disaster.</li><li>Assess automotive needs: Consider the age and value of your vehicles. Is your coverage still appropriate? Have the primary drivers on any vehicles changed this year, or will they soon? Make sure deductibles, limits, and primary driver designations all make sense for your current needs.</li><li>Look for changes: Have you experienced any changes in the past year that might affect your insurance coverage? Renovations, births, purchases, and commute changes can all affect your insurance considerations.</li><li>Check for savings: Don't miss out on any savings opportunities. Check for multiple policy discounts, changes in requirements, or new programs that may cut your insurance costs.</li></ul><a href="/locations/">Contact our office</a> for a quick review of your policies. We can help you evaluate your insurance needs to make sure you have the right coverage as you head into the new year.|/assets/thumb__1588351033-babychristmasiStock952106574web.jpg|1063|None{{NEWLINE}}Forward Bank Has First $5,000 Shot-on-Goal Winner in Medford|12/13/2019|"Community Giving"|yes|forward-bank-has-first-5000-shot-on-goal-winner-in-medford||Forward Bank sponsored a $5,000 Shot-on-Goal on December 10th at the Medford Raiders hockey game and saw its first winner!|Forward Bank sponsored a $5,000 Shot-on-Goal on December 10th at the Medford Raiders hockey game and saw its first winner!The lucky participant, Ruth Searles, was selected at random from the crowd to attempt a shot-on-goal from the center line for a chance to win $2,500 for herself and $2,500 for the school's athletic program. Ruth's first attempt landed just short of the goal. With the crowd cheering her on, she adjusted the distance on her second attempt and the puck slid right into the corner of the cutout! Ruth is the first winner of the $5,000 Shot-on-Goal since its integration. Congratulations to Ruth and the Medford athletic program!"These types of events encourage our communities to come out and support our student athletes," commented Heidi Reinhardt, Assistant Office Manager at Forward Bank in Medford. "It is also a unique way for us to connect with our communities while giving back in a fun and exciting way! We're so happy to have the first winner in Medford!"Winter $5K Shots are occurring at high school hockey and basketball games in each of the communities Forward Bank serves. To see a full schedule of games, follow Forward Bank on Facebook (@ForwardBankWI).<img class="fpo-image" src="/assets/1588351352-8019e1576254184443.jpeg" alt="Blog - Forward Bank Has First $5,000 Shot-on-Goal Winner in Medford" data-type="photo" data-id="1065" /> Photo (left to right): Laceekae Johnson, Nathan Bilodeau, Ruth Searles, Dave Clark, Molly Knoll and Heidi Reinhardt|||None{{NEWLINE}}Fender Bender? Take These Key Steps After an Accident|12/26/2019|"Insurance"|yes|fender-bender-take-these-key-steps-after-an-accident||Even the best drivers are at risk of fender benders. With so many variables on the road, accidents happen. In the U.S. alone, an average of 6 million accidents occur each year. If you're among this number, it's important to know the next steps to take. If you find yourself in a car crunch, follow these procedures:|Even the best drivers are at risk of fender benders. With so many variables on the road, accidents happen. In the U.S. alone, an average of 6 million accidents occur each year. If you're among this number, it's important to know the next steps to take. If you find yourself in a car crunch, follow these procedures:Safety first: If possible, pull your vehicle to the side, out of traffic, but in a safe, public place. Use caution when engaging the other driver if you suspect road rage is involved.Damage assessment: Find out if anyone is hurt and call 911 if medical assistance is needed. After personal injuries are taken care of, assess the damage to the vehicles. Take pictures to document any damage.Information gathering: Record the names of everyone involved. Try to get witness information if possible. Include in your records the car registration, insurance, car make and model, and license information for all drivers. If you hit a parked car, don't leave the scene before finding the owner. If you can't locate the owner, record the details of the accident and leave a note with your contact information.Police notification: Contact law enforcement to alert them of the accident. Document the names and badge numbers of the officers involved and find out how you can get a copy of the accident report. If officers don't come to the scene, go to the nearest police station to file a report. You may also be able to do this online.Claim process: Notify your insurance carrier as soon as possible to start the claim process. By following the procedures above, you will have all the information and documentation you need to make this a smooth process.|/assets/thumb__1588351490-carautosnowwinteraccidentwomantireroadiStock451629095.jpg|1067|None{{NEWLINE}}The Value of Annuity Tax Deferral|01/08/2020|"Investments|Personal Banking"|yes|the-value-of-annuity-tax-deferral||One of the major benefits of choosing a fixed annuity as a retirement savings vehicle is tax deferral, but do you know what that means? Let's review this concept in more detail.|One of the major benefits of choosing a fixed annuity as a retirement savings vehicle is tax deferral, but do you know what that means? Let's review this concept in more detail.Tax deferral is the means by which the payment of taxes on certain assets can be delayed until some future date. Tax-deferred assets grow untaxed, meaning interest compounds until the money is withdrawn.Compounding is the process by which the money you earn from an investment can be reinvested to make more money. As a hypothetical example, let's say you invest $10,000, and it earns interest of 10% per year. In the first year, you will earn $1,000 in interest.In the second year, you will earn $1,100 in interest. Why? Because both your initial investment of $10,000 and the additional $1,000 you earned in the first year earn interest ($11,000 total). Each year, you keep earning more: $1,210 in the third year, $1,331 in the fourth year. By the end of the fifth year, your $10,000 will have grown to $16,105.Tax deferral is important for two reasons. First, because your investment returns aren't reduced by income taxes every year, you experience potentially higher overall returns during your annuity's accumulation phase. Second, it is possible that you may experience a lower tax rate when you withdraw the assets. Since you probably will not withdraw the assets you are accumulating in your annuity until later in life, when you could be in a lower tax bracket, you could minimize the taxes you have to pay on withdrawals. That is not true for everyone, but it is true for many.There are also other tax-deferred investment vehicles. Which one is right for you? Forward Investment Services can help you decide if a fixed annuity is a good tax-deferred investment vehicle for your financial portfolio. Contact us for more information.|/assets/thumb__1588351694-wintersleddinglittlegirlwithgrandfatheriStock105033973021024x683.jpg|1069|None{{NEWLINE}}Forward Employees Surpass Previous Years to Reach $25,000 For the Annual United Way Campaign|01/13/2020|"Community Giving"|yes|forward-employees-surpass-previous-years-to-reach-25000-for-the-annual-united-way-campaign||The Forward Bank, Investment and Insurance team was proud to present the Marshfield Area United Way with a check for $25,000. The donation is the largest gathered by the employees of Forward, and it includes the proceeds of the annual employee drive and the company match.|The Forward Bank, Investment and Insurance team was proud to present the Marshfield Area United Way with a check for $25,000. The donation is the largest gathered by the employees of Forward, and it includes the proceeds of the annual employee drive and the company match."I'm proud to watch all of the employees at Forward challenge one another to surpass the previous year's giving to the United Way," said Bill Sennholz, President &amp; CEO of Forward Bank. "The annual internal fundraising campaign demonstrates the creativity and drive for teamwork that all of our colleagues possess. We all understand the important role that the United Way plays in healthy and strong communities, and many of our staff show that by volunteering their time for ongoing projects as well."Additional efforts to support area United Way initiatives are still ongoing. On February 8, the Forward team is hosting a 9-hole Snowshoe race in Withee in support of the Clark County United Way. <a href="https://www.facebook.com/events/2657854747823734/" target="_blank" rel="noopener" class="speedbump">Click here</a> to be directed to the Facebook event for more details.<img class="fpo-image" src="/assets/1588352214-UWCheckPresentation2019edited768x820.jpg" alt="Blog - Forward Employees Surpass Previous Years to Reach $25,000 For the Annual United Way Campaign - Left to Right: Angie Domine, Dave Clark, Vicky Peterson, Holly Zopfi, Dave Krause, Marisa Steinbach, Ashley Winch, Chris Damerell, Krystal Bowman" data-type="photo" data-id="1071" /> Left to Right: Angie Domine, Dave Clark, Vicky Peterson, Holly Zopfi, Dave Krause, Marisa Steinbach, Ashley Winch, Chris Damerell, Krystal Bowman|||None{{NEWLINE}}Forward Bank Pledges $24,000 to Pirate Ship Productions in Gilman|01/14/2020|"Community Giving"|yes|forward-bank-pledges-24000-to-pirate-ship-productions-in-gilman||Forward Bank recently pledged $24,000 toward the Gilman School District Pirate Ship Productions for the purchase of two plasma CNC machines. The balance of the $32,000 needed for the equipment is being requested from community members and businesses likely to benefit from the newly trained students.|<img class="fpo-image" src="/assets/1588352426-711131211150554532300788185385059679731712n.png" alt="Blog - Forward Bank Pledges $24,000 to Pirate Ship Productions in Gilman" data-type="photo" data-id="1073" />Forward Bank recently pledged $24,000 toward the Gilman School District Pirate Ship Productions for the purchase of two plasma CNC machines. The balance of the $32,000 needed for the equipment is being requested from community members and businesses likely to benefit from the newly trained students.In 2019, <a href="https://www.pirateshipproduction.com/?fbclid=IwAR3u9kWHRQVfq8VjGqfsdzLZCApW0TB_ruwZfjgbYfBnSaxTCSUkjepSIVo" target="_blank" rel="noopener" class="speedbump">Pirate Ship Productions</a> was established at Gilman High School. The purpose of this student-run business is to establish manufacturing skills through wood working and metal working. Together, tech ed and business classes are working together to learn all aspects of running a small business. Students develop, produce, market, and sell hand-crafted products to individuals and businesses in Gilman and the surrounding areas. The items we designed and sold include cutting boards, etched glass, etc.Also, in 2019, Pirate Ship Productions partnered with Artisans in Glen Flora, WI. The school received donated equipment that will allow them to create, market, and sell apparel.All profits earned by Pirate Ship Productions will be given back to the students in the form of scholarships. Students will not be paid directly for their contributions to these classes. They will receive school credit and will be eligible to receive a scholarship if profits warrant. We have a goal of providing 15 scholarships of $10,000 annually to junior and senior high school students."Supporting programs through our schools that build our future workforce is vital to the ongoing success of our communities," commented Bill Sennholz, President &amp; CEO of Forward Bank. "Pirate Ship Productions not only develops hands on skills helpful for joining local companies, it fosters business proficiencies that are extremely helpful regardless of the industry students move in to."|||None{{NEWLINE}}Forward Bank's Charitable Money Market Account Reaches Over $1 Million in Donations|01/17/2020|"Community Giving|Personal Banking"|yes|forward-banks-charitable-money-market-account-reaches-over-1-million-in-donations||Local charities are a key component in keeping our communities strong. They fill unique and important niches in helping us all with the educational, spiritual, cultural, social and health aspects of our lives. To provide a consistent donation stream for our local charities on behalf of our customers, Forward Bank created the <a href="/personal/savings-cds-iras/charitable-money-market-account/">Charitable Money Market Account (CMMA)</a>.|Local charities are a key component in keeping our communities strong. They fill unique and important niches in helping us all with the educational, spiritual, cultural, social and health aspects of our lives. To provide a consistent donation stream for our local charities on behalf of our customers, Forward Bank created the <a href="/personal/savings-cds-iras/charitable-money-market-account/">Charitable Money Market Account (CMMA)</a>. This month over $160,000 was donated back to over 278 worthwhile organizations participating in the program, bringing the grand total to over $1 million since the program launched."2019 has been a year of milestones &ndash; we celebrated our 100 year anniversary, grew to $500 million in assets and now we've reached over $1 million in donations through the Charitable Money Market Account program," said Bill Sennholz, CEO/President at Forward Bank. "The donations from the CMMAs continue to grow each year because of the thoughtfulness of our customers and the relationships we've built in our communities."<img class="fpo-image" src="/assets/1588353108-CMMA2019WebMarshfieldHockeyAssociation.jpg" alt="Blog - Forward Bank" data-type="photo" data-id="1075" /><img class="fpo-image" src="/assets/1588353135-CMMA2019WebSchoolDistrictofOwenWithee.jpg" alt="Blog - Forward Bank" data-type="photo" data-id="1076" />To open and maintain a CMMA, all the customer needs to do is open the account, designate a participating non-profit organization, school, or church, and keep a balance in their account throughout the year. At the end of the calendar year, Forward Bank will make a donation to the designated charity on behalf of the customer based on their average account balance. 33 organizations received donations over $1,000 this year thanks to customers who designated them as their charity of choice!Open a CMMA today to start saving for yourself and your favorite charity!Get &ndash; Checking Account with these features:<ul><li>No minimum deposit to open</li><li>No monthly fee</li><li>No minimum to earn interest</li><li>Free online banking</li><li>Fee debit/ATM card</li><li>Free direct deposit</li><li>Free bill pay</li></ul>Save &ndash; Earn interest at a competitive rate similar to a savings account with the convenience of a checking account.<a href="/personal/deposit-rates/">Check out current rates.</a>Give &ndash; Forward will make a donation to a charity on your behalf based on your average balance &ndash; no money is taken from your account.Open your CMMA at a <a href="/locations/">location near you</a> or <a href="https://uopen.umonitor.com/uopen/nao/welcome.do?auth=9180b135ca6a3d6f">open it online!</a>Or log into your Online Banking account to get started.|||None{{NEWLINE}}Student Debt Could Buy Every Home on the Market|01/21/2020|"Personal Banking"|yes|student-debt-could-buy-every-home-on-the-market||If you wanted to buy all the homes on the US real estate market, you'd need around $780 billion, according to Realtor.com. To pay off all the outstanding student loan debt in the US, you'd need $1.5 trillion.|If you wanted to buy all the homes on the US real estate market, you'd need around $780 billion, according to Realtor.com. To pay off all the outstanding student loan debt in the US, you'd need $1.5 trillion.Why is student loan debt nearly double today's real estate market? It's because almost 43 million Americans are shouldered with student loan debt, and this burden is blocking many of them from homeownership.This statistic isn&rsquo;t surprising when we compare the typical down payment for a home to average student loan amounts: $26,000 versus $34,500. Twenty-six percent of Millennials say student loans are the main obstacle they face when trying to save up for a down payment on a home.Fortunately, there are many options for buyers in this situation. If you're among them, here are some steps you can take to put yourself on the right track.Improve your debt-to-income ratio: This ratio is key to qualifying for a mortgage. Lenders want to make sure you can handle the additional house debt with your current income. To improve your ratio, pay down (or pay off) any debts where you can, and increase your income if possible. Consolidating your student loans may also help.Improve your credit score: Your credit score is another critical number that lenders consider. To increase your score, pay all your bills on time, avoid opening new lines of credit, and lower your use of credit. It&rsquo;s also a good rule of thumb to check your credit report at least once each year to ensure it is accurate. If there are any errors, report them to the credit bureau immediately.If you or someone you know is facing student loan debt and are interested in learning more about your options, connect with one of our <a href="/mortgages/meet-our-lenders/">mortgage experts</a> who can help you make owning a home a reality.|/assets/thumb__1588353322-phonewomanholdingmobilebankpersontopersoniStock697804990withimageinserted.jpg|1078|None{{NEWLINE}}Forward Insurance to Merge with Precour Insurance|01/27/2020|"Insurance"|yes|forward-insurance-to-merge-with-precour-insurance||Forward Insurance has signed a definitive agreement to merge Precour Insurance into the Forward organization. The addition of the Precour office in Phillips brings the total reach of Forward Insurance to six communities in central and northern Wisconsin.|<img class="fpo-image" src="/assets/1588353579-FIAHorizontalweb.jpg" alt="Blog - Forward Insurance to Merge with Precour Insurance" data-type="photo" data-id="1080" />Forward Insurance has signed a definitive agreement to merge Precour Insurance into the Forward organization. The addition of the Precour office in Phillips brings the total reach of Forward Insurance to six communities in central and northern Wisconsin.Customers will be contacted directly by Forward Insurance with details in the coming weeks and will continue to have access to the same insurance agents that they have developed a relationship with over the years.William W Sennholz, President and CEO of Forward Bank &ndash; the parent company of Forward Insurance, stated "Precour customers will not need to do anything different during the transition to Forward Insurance." Sennholz continued, "Forward Insurance is excited to join forces with an agency that shares our dedication to community and customers. We are also thrilled to have the opportunity to offer the services of Paul Precour and his team to our bank customers in the Phillips area.""We at Precour Insurance are excited to work with the Forward organization, to continue serving Price County with a broad range of insurance products," commented Paul Precour, Owner of the Precour Insurance Agency. "We believe Forward is committed to our wonderful community, that we have been proud to serve the past 35 plus years."The transaction is expected to be completed in by the end of March 2020.|||None{{NEWLINE}}Does Your Hobby Need Insurance Coverage?|02/05/2020|"Insurance"|yes|does-your-hobby-need-insurance-coverage||Gary and Nancy Doss of Burlingame, CA have been collecting Pez dispensers for two decades. They now have more than 500 of the small candy containers. The rarest product, a "Make a Face" Pez from the 1970s, is worth $5,000.|Gary and Nancy Doss of Burlingame, CA have been collecting Pez dispensers for two decades. They now have more than 500 of the small candy containers. The rarest product, a "Make a Face" Pez from the 1970s, is worth $5,000.Do you have a hobby that has grown larger than you may have anticipated? You don't have to be as dedicated as the Dosses to find yourself heavily invested in a hobby. A model locomotive could be valued at $300. One guitar can easily cost $1,500.Whether you collect, build, or play, funding for hobbies can quickly add up to significant amounts. If you think you&rsquo;ve invested quite a bit in your hobby, do a quick review.Consider the value of your items and supplies. Is it more than $500? If you have invested more than $500 so far, you should make sure it is properly protected.Review your insurance policies to make sure the items are covered under your homeowners or renters policy in the event they are damaged or stolen.Keep in mind there are certain limits to most policies, and high-value items might max out the coverage. You may need to purchase a rider to add a particularly valuable piece of equipment to your insurance coverage.If your hobby investment is less than $500, you should still make sure any high-priced items are included in your home inventory.The beginning of the year is the perfect time to update this list. If you have any questions about your insurance coverage or needs, feel free to <a href="/insurance/meet-our-agents/">contact a Forward Insurance agent</a>.|/assets/thumb__1588353708-91bfcc1d865544b98a0aca45d6223ec5768x489.jpg|1082|None{{NEWLINE}}5 Financial Benefits of Owning a Home|02/17/2020|"Mortgage"|yes|5-financial-benefits-of-owning-a-home||You want to make smart financial choices for your future. Do those include buying a home? Here are five financial benefits that point to yes.|You want to make smart financial choices for your future. Do those include buying a home? Here are five financial benefits that point to yes.<h3>1. Tax breaks:</h3>As a homeowner, you may qualify for tax benefits. These deductions can help offset other costs of homeownership. Potential deductions include the interest on your mortgage, property taxes, and home equity lines of credit.<h3>2. Stability:</h3>If you take out a fixed-rate mortgage, you'll know what payments to expect for the life of the loan. Rent, on the other hand, often increases annually. When you own a home, you also typically have more control over expenses such as utilities, so you can make choices that encourage efficiency and save money each month.<h3>3. Forced savings:</h3>Each month, as you pay down your mortgage, you are adding equity. This can be an excellent way to build wealth. In the future, you can sell the home for a profit or borrow against the equity to obtain needed funds. Medical emergencies, college tuition, and home repairs or renovations are common uses for these funds.<h3>4. Good credit:</h3>A mortgage is considered "good debt," meaning that it looks good on a credit report and can help you establish a healthy credit score. As you faithfully pay off the loan, your score can increase. This can prove helpful in obtaining lower insurance rates and qualifying for lower rates on future purchases.<h3>5. Final payment:</h3>When you buy a home, there will come a day when you no longer have to make your mortgage payment. It will eventually be your property, free and clear. (Time to celebrate!) This scenario is much different than paying rent, which will continue for a lifetime.Are you wondering if a home purchase makes sense for your financial future? We would be happy to discuss these and other benefits to help you. Contact a <a href="/mortgages/meet-our-lenders/">Mortgage Lender today</a>!|/assets/thumb__1588353889-homesweethomewelcomemathousepackingboxeswomaniStock962708728WEB.jpg|1084|None{{NEWLINE}}Award-Winning Partnership With The United Way Campaign|02/26/2020|"Community Giving"|yes|award-winning-partnership-with-the-united-way-campaign||The Forward Bank, Investment and Insurance team has been dedicated to supporting the United Way and giving back to the community that we all call home. This dedication has paid off in a series of awards presented by the Marshfield Area United Way.|<img class="fpo-image" src="/assets/1588354094-UWBOAR2web.jpg" alt="Blog - Award-Winning Partnership With The United Way Campaign" data-type="photo" data-id="1086" />The Forward Bank, Investment and Insurance team has been dedicated to supporting the United Way and giving back to the community that we all call home. This dedication has paid off in a series of awards presented by the Marshfield Area United Way.The Forward team earned the 2019 Increased Giving Award for Large Business, the Community Vision Award Over $25,000 and the 2019 Campaign of the Year for Large Businesses. These awards are due to the creativity and energy of employees excited about developing the annual fund drive."As a hockey fan &ndash; this hat-trick of awards from the United Way makes me extremely proud," said Bill Sennholz, President &amp; CEO of Forward Bank. "Our team raises the bar every year with the new ideas for fundraising internally. The full Forward family exceeds all expectations in their generosity to support this great organization."|||None{{NEWLINE}}Fake Check Scams Infographic|03/01/2020|"Security Tips"|yes|fake-check-scams-infographic||Did someone send you a check and ask you to send them money back? That's a scam.|<img class="fpo-image" src="/assets/1588354248-fakecheckscamsinfographic2020update780w.png" alt="Blog - Fake Check Scams Infographic" data-type="photo" data-id="1088" /><h3>Fake check scams</h3>Did someone send you a check and ask you to send them money back? That's a scam.Maybe:<ul><li>You win a prize and are told to send back taxes and fees.</li><li>You get paid as a "secret shopper" and are told to wire back money.</li><li>You sold an item online and the buyer overpays.</li></ul>In all cases:<ul><li>You get a check.</li><li>They ask you to send money back.</li></ul>That's a scamif it's a fake check, why is the money in your account?Banks have to make deposited funds available within days. It's the law. But uncovering a fake check can take weeks. By then, the scammer has your money. And you have to repay the bank. Remember - just because the check has "cleared" does not mean it is good.What to do:<ul><li>Be wary. Talk to someone you trust and contact your bank before you act.</li><li>Never take a check for more than selling price.</li><li>Selling online? Consider using an escrow or online payment service.</li><li>Never send money back to someone who sent you a check.</li><li>Spot this scam? Tell the Federal Trade Commission: <a href="https://ftc.gov/complaint" target="_blank" rel="noopener" class="speedbump">ftc.gov/complaint</a></li></ul>For more information: <a href="https://ftc.gov/scamalerts" target="_blank" rel="noopener" class="speedbump">ftc.gov/ScamAlerts</a> <a href="https://aba.com/consumers" target="_blank" rel="noopener" class="speedbump">aba.com/Consumers</a>|||None{{NEWLINE}}The Secret to Finding the Right Auto Insurance Coverage|03/05/2020|"Insurance"|yes|the-secret-to-finding-the-right-auto-insurance-coverage||No matter how old you are, where you live, the type of car you drive, or how you use it, there are some secrets to getting the right auto insurance coverage. If you follow the three suggestions below, you'll have uncovered the secret to purchasing the vehicle insurance that fits your life style.|No matter how old you are, where you live, the type of car you drive, or how you use it, there are some secrets to getting the right auto insurance coverage. If you follow the three suggestions below, you'll have uncovered the secret to purchasing the vehicle insurance that fits your life style.Don't be impressed by 'the deal'Many people believe they can get cut-rate car insurance and save money. However, this is a case of "buyer beware," as often the so-called "deal" turns out to cost you more for less. Read the fine print and ask questions &ndash; you'll probably find that the "deal" you're being offered isn't a deal after all.You don't have to find a deal through strangers. Car insurance is probably one of the most important ways to protect yourself, your family and your assets. Many people are surprised to discover that increasing liabilities (rather than settling for state minimums) and other upgrades can be "stepped up" for a few dollars at most.Ask your agent to provide different quotes &ndash; some with higher limits, some with extra benefits &ndash; so you can make a considered decision with someone you trust.Another point: Your cousin's or your neighbor&rsquo;s coverage may be just right for them, but not necessarily for you. Wish them well when they talk about the cheap policy they got online, but don't follow their advice. The consequences could be tragic.Consider when and how you use your vehicleThis is an absolute must when it comes to building a policy around your needs. Before buying insurance, you need to know what you're buying coverage on and the risks that go with it, including those associated with your usage.For example, if you don't drive a lot, consider usage-based insurance. It makes the most sense for someone who seldom drives and can save you money.Ensure your vehicle has coverage specific to how it's used. A car rated as a pleasure vehicle is usually cheaper to insure than a vehicle rated as a commute vehicle. If you only drive the car on weekends or a couple times a month, it should be rated as pleasure.If you drive your vehicle to work or school daily, it&rsquo;s rated as a commute vehicle; however with the increase of telecommuting, more people are now using their vehicles strictly for pleasure vehicles. Verify that your vehicle is rated correctly, and if you've just become a telecommuter, be sure to notify your agent.Use renewal time to review your coverageComprehensive? Collision? Bodily injury liability? If you don&rsquo;t know what these mean, it&rsquo;s time you did.Why? Because some people have more coverage than they need; when they renew they simply purchase what they have had in the past. Others haven't got sufficient coverage for their needs, and may not even realize it until they have to make a claim.Consider renewal time an opportunity to look at your current coverage and discuss it with your insurance professional. Maybe your needs have changed; don't forget to update your agent on recent developments, such as a new teen driver, a job change that may necessitate more business driving &hellip; even getting married. It could mean the difference between being fully covered and paying for a claim out of your pocket.Not only should you review your personal policy for the coverage you carry, but you should also ask your agent about other coverage options available. For example, if you're like many, you may think that "full coverage" includes things like towing, labor and rental car coverage. However, you currently may only have liability, comprehensive and collision coverage, without the bells and whistles. The basic package may have been just right when you were younger, but now may not give you what you need. Ask your agent.Finding the "secret" to acquiring the right coverage, isn't difficult, but too many people just don't think about their auto insurance policies. It's time to get together with your insurance professional to discuss the state of your policy &ndash; It could save you money and heartache.|||None{{NEWLINE}}9-Hole Snowshoe Run/Walk Raises $2,300 for Clark County United Way|03/10/2020|"Community Giving"|yes|9-hole-snowshoe-runwalk-raises-2300-for-clark-county-united-way||Forward Bank hosted a 9-Hole Snowshoe Run/Walk at Meadowview Golf Course in Owen on Saturday, February 8th. The event drew participants from all over the state and raised a total of $2,300 for Clark County United Way. 44 individuals took on the 9-Hole Snowshoe Run/Walk and many others showed up for the raffle drawings and good company.|Forward Bank hosted a 9-Hole Snowshoe Run/Walk at Meadowview Golf Course in Owen on Saturday, February 8th. The event drew participants from all over the state and raised a total of $2,300 for Clark County United Way. 44 individuals took on the 9-Hole Snowshoe Run/Walk and many others showed up for the raffle drawings and good company."We had a great time hosting this first-time event," said Sara Blume, Office Manager of Forward Bank in Withee. "We were happy to have as many participants as we did. Families and friends were able to get together, enjoy the weather and raise funds for a great community organization. We hope to continue this event going forward."Clark County United Way provides grants/funding to local non-profit programs and services. Most communities estimate that 20% of their residents are served by a United Way funded agency or program each year.<img class="fpo-image" src="/assets/1588356144-CheckPresentation.jpg" alt="Blog - 9-Hole Snowshoe Run/Walk Raises $2,300 for Clark County United Way" data-type="photo" data-id="1091" /> Photo (left to right): Sierra Jones, Darlene Zschernitz, Kris Schmidt, Mary Kay Mills, Sara Blume|||None{{NEWLINE}}Forward Bank Promotes Dave Clark to President|03/13/2020|"Forward Family|News / Press Release"|yes|forward-bank-promotes-dave-clark-to-president||The Board of Directors of Forward Bank voted to approve the promotion of Dave Clark to President at their February meeting.|<img class="fpo-image" src="/assets/1588356208-DaveClark200x200.jpg" alt="Blog - Forward Bank Promotes Dave Clark to President" data-type="photo" data-id="1093" />The Board of Directors of Forward Bank voted to approve the promotion of Dave Clark to President at their February meeting.Clark joined the Forward Family in 2010 as a SVP / Commercial Lender. In 2016, he assumed the role of Executive Vice President leading the team of Commercial and Mortgage Lenders, Loan Operations, Forward Insurance, and Retail Banking.As President, Clark will focus on the broad operations of Forward Bank including strategic planning and guidance, oversight for most customer-facing areas of the bank, supervision of the Insurance and Investment divisions and serve as a liaison with the Board of Directors. He would also lead the non-customer facing areas of the bank including: Credit Analysis, Loan Operations, Marketing, and Project Development.Bill Sennholz will continue in his role as the CEO of Forward Bank now focusing on community and industry outreach."Dave has played a vital role in setting the direction for growth over the past few years," said Bill Sennholz, CEO of Forward Bank. "He has developed a strong team in the commercial, mortgage, and retail areas that help drive the success of our organization. The strategies and energy that he brings to the leadership team will set a very positive course for the future of Forward."|||None{{NEWLINE}}Customer Announcement: COVID-19 Readiness|03/13/2020|"News / Press Release"|yes|customer-announcement-covid-19-readiness||Like businesses and families throughout the state and nation, the team at Forward is constantly monitoring the developing situation with COVID-19. The center of all our decisions will be the safety of our customers and employees.|Like businesses and families throughout the state and nation, the team at Forward is constantly monitoring the developing situation with COVID-19. The center of all our decisions will be the safety of our customers and employees.<h3>Our Preparation</h3>Forward has a comprehensive plan in place to ensure banking operations continue with as little disruption as possible. We've been working with our vendors, reviewing staff needs, and putting contingency plans in place. These include remote access capabilities, alternate work locations for employees, and continuity plans for critical operations if needed.<h3>Branch Access and Safety</h3>We are making every effort to maintain regular operations throughout our network of locations. To maintain a safe environment for our customers to conduct their transactions, we have implemented additional cleaning and sanitizing procedures for all areas of our facilities. Our staff is well educated on what to look for with COVID-19 and is encouraged to stay at home if they or family members are ill to prevent the spread to colleagues or customers.<h3>Additional Access to Accounts</h3>To access your accounts without going inside your local office:<ul><li>Try our deposit accepting ATMs in Colby, Marshfield, Medford and Thorp.</li><li>Download our mobile app or enroll in online banking so you can:</li><ul><li>Check balances</li><li>Transfer funds</li><li>Pay bills</li><li>Send person-to-person payments</li><li>Deposit checks via the mobile app</li></ul><li>Call in to our voice banking system at 800-671-0942</li></ul>If you haven't downloaded our mobile app or enrolled in online banking, <a href="https://online.forward.bank/servlet/SLogin?requestType=vhtml&template=/c/enroll/IBEnrollment.vm&defaultLanguage=en" target="_blank" rel="noopener">Enroll Now</a> or Download the AppUse the links or simply search either store for Forward Bank Mobile.<a href="https://itunes.apple.com/us/app/forward-bank-mobile-banking/id1247589822?mt=8" target="_blank" rel="noopener" class="speedbump"><img class="fpo-image" src="/assets/1588019999-downloadontheappstore.svg" alt="Badge - Apple App Store" data-type="photo" data-id="719" /></a><a href="https://play.google.com/store/apps/details?id=com.malauzai.DH26050&hl=en" target="_blank" rel="noopener" class="speedbump"><img class="fpo-image" src="/assets/1588020031-getitongoogleplay.svg" alt="Badge - Get it on Google Play" data-type="photo" data-id="720" /></a><h3>Updates and Additional Information</h3>We will be updating our website with any new information as it becomes available. If there are changes to account access or branch hours of operations, we will update the website and will notify customers via email and through our voice banking system.|||None{{NEWLINE}}Grappling with the Coronavirus|03/30/2020|"Investments"|yes|grappling-with-the-coronavirus||In your investing lifetime, you may only see a situation like the recent novel coronavirus (COVID-19) a few times. This is a circumstance where complete candor is necessary. The truth is that we can't yet gauge the full economic impact, and by the time we can, the volatility may have passed.|In your investing lifetime, you may only see a situation like the recent novel coronavirus (COVID-19) a few times. This is a circumstance where complete candor is necessary. The truth is that we can't yet gauge the full economic impact, and by the time we can, the volatility may have passed.It's important to remember that, in terms of market declines, the recent drop isn't unprecedented. In fact, in the last six day-to-day declines of 3% or greater, the market rebounded higher a month later. Past performance is no indication of future returns, and it's uncertain whether history is a good teacher in this instance.1Markets Have the Virus Right now, markets are reacting to the news because the outcome is unknown. In a way, COVID-19 has "infected" markets all around the world. In times of market uncertainty, some traders believe the best approach is to sell. Fear is driving decisions. Nobody would blame you if this uncertainty gave you a bit of anxiety, as well.You Don't Buy Snow Tires in a Blizzard By working together to develop an investment strategy that fits your risk tolerance, time horizon, and goals, we have been preparing to weather turbulence. When a blizzard hits, the people who already own snow tires are usually happier than those venturing out into the cold, hoping they're still in stock. In the same way, it's generally best to make decisions during periods of low market volatility. We're in the middle of the storm right now.Here to Support You This may be the time you need a trusted financial professional most. During most volatility, we advise you to "stay the course," and that generally proves to be the best course of action. In times like this, however, it&rsquo;s easy to question conventional wisdom. Remember, we are here to help you and your family during this time. Whatever decisions you make, please allow us to support you through them. Feel free to reach out to us with any questions or concerns.1 wstreet.com, February 27, 2020|||None{{NEWLINE}}Protecting Yourself from Scams|03/31/2020|"Security Tips"|yes|protecting-yourself-from-scams||Scammers are taking advantage of fears surrounding the Coronavirus. Here are some tips to help you keep the scammers at bay.|Scammers are taking advantage of fears surrounding the Coronavirus. Here are some tips to help you keep the scammers at bay:<ul><li>Hang up on robocalls. Don't press any numbers. Scammers are using illegal robocalls to pitch everything from scam Coronavirus treatments to work-at-home schemes. The recording might say that pressing a number will let you speak to a live operator or remove you from their call list, but it might lead to more robocalls, instead.</li><li>Ignore online offers for vaccinations and home test kits. There currently are no vaccines, pills, potions, lotions, lozenges or other prescription or over-the-counter products available to treat or cure Coronavirus disease 2019 (COVID-19) &mdash; online or in stores. At this time, there also are no FDA-authorized home test kits for the Coronavirus. Visit the FDA to learn more.</li><li>Fact-check information. Scammers, and sometimes well-meaning people, share information that hasn&rsquo;t been verified. Before you pass on any messages, contact trusted sources. Visit What the U.S. Government is Doing for links to federal, state and local government agencies.</li><li>Know who you're buying from. Online sellers may claim to have in-demand products, like cleaning, household, and health and medical supplies when, in fact, they don't.</li><li>Don't respond to texts and emails about checks from the government. The details are still being worked out. Anyone who tells you they can get you the money now is a scammer.</li><li>Don't click on links from sources you don't know. They could download viruses onto your computer or device.</li><li>Watch for emails claiming to be from the Centers for Disease Control and Prevention (CDC) or experts saying they have information about the virus. For the most up-to-date information about the Coronavirus, visit the Centers for Disease Control and Prevention (CDC) and the World Health Organization (WHO).</li><li>Do your homework when it comes to donations, whether through charities or crowdfunding sites. Don't let anyone rush you into making a donation. If someone wants donations in cash, by gift card, or by wiring money, don't do it.</li></ul>(Source: <a href="https://www.ftc.gov/" target="_blank" rel="noopener" class="speedbump">ftc.gov</a>)COVID-19 Response &amp; Updates: Learn the Latest Here.|||None{{NEWLINE}}Ron Wilczek Leading Forward Commercial Lending Team|04/05/2020|"Business Banking|Forward Family"|yes|ron-wilczek-leading-forward-commercial-lending-team||Ron Wilczek has been promoted to Vice President / Commercial Lending Manager at Forward Bank. In this role, he will focus on providing direction for the Commercial Lenders serving customers in the bank's various markets|<img class="fpo-image" src="/assets/1588092408-RonWilczek200x200.jpg" alt="Blog - Ron Wilczek Joins the Forward Team" data-type="photo" data-id="736" />Ron Wilczek has been promoted to Vice President / Commercial Lending Manager at Forward Bank. In this role, he will focus on providing direction for the Commercial Lenders serving customers in the bank's various marketsWilczek has over 20 years of banking experience in the Marshfield area and has been with Forward Bank since 2018. He is currently active serving our community as the Chair of the Marshfield Area Chamber of Commerce &amp; Industry Board of Directors, the Treasurer of the Marshfield Area Community Foundation Board of Directors, and as the Varsity Girls Basketball Coach at Columbus Catholic High School."Ron's experience and coaching style has already created natural mentoring opportunities within the business banking team," said Dave Clark, President of Forward Bank. "His connections in the industry and understanding of how larger organizations make connections across departments will continue to enhance the full-service approach we have in business banking at Forward."|||None{{NEWLINE}}Sammantha Sova Joins Forward Insurance as Account Specialist|04/10/2020|"Forward Family|News / Press Release"|yes|sammantha-sova-joins-forward-insurance-as-account-specialist||Sammantha Sova has joined the Forward Insurance team as an Account Specialist serving the Marshfield area. In this role, she will work with Forward Bank staff as well as our current and future customers to service policies and quote new policies.|<img class="fpo-image" src="/assets/1588361319-SammanthaSova240x300.jpg" alt="Blog - Sammantha Sova Joins Forward Insurance as Account Specialist" data-type="photo" data-id="1099" />Sammantha Sova has joined the Forward Insurance team as an Account Specialist serving the Marshfield area. In this role, she will work with Forward Bank staff as well as our current and future customers to service policies and quote new policies.Sova has been in the insurance industry since June of 2019. She supports the bank's purpose by being active in our community volunteering for the NOW program through the United Way. Sova looks forward to getting more involved in the community as part of the Forward team."Sammantha is a great addition to the Forward Insurance team," said Bill Sennholz, CEO of Forward Bank. "She is joining an experienced group in Marshfield lead by Kevin Krizan that is helping more customers in the community find the best and most economical options available. Her drive to serve customers and support the Forward team will be a wonderful asset as we continue to expand services in this community."Sova lives in Marshfield and enjoys being outside, swimming and spending time with her two daughters.Forward Insurance is a subsidiary of Forward Bank and currently has offices in Marshfield, Park Falls, Phillips, Stanley, Thorp, and Withee. For more information, please visit www.forward.bankinsurance.|||None{{NEWLINE}}Things you need to know about the Economic Impact Payments from the IRS|04/13/2020|"Investments|Personal Banking"|yes|things-you-need-to-know-about-the-economic-impact-payments-from-the-irs||You may have heard of the payments being referred to by many as stimulus payments, but the true name of the program is Economic Impact Payments. That is important to know if you are searching for more detailed information on the internet.|You may have heard of the payments being referred to by many as stimulus payments, but the true name of the program is Economic Impact Payments. That is important to know if you are searching for more detailed information on the internet.Much has been made of the timing of distribution of the impact payments with announcements that they would be starting on Friday the 10th. Given the volume that will be going out, the IRS is stating on their website that we should expect payments in April &ndash; leaving a broad window to get this done.So, what does this mean?<ul><li>If you filed taxes in 2018 or 2019 and have received refunds via direct deposit, you don&rsquo;t need to do anything. This is also true for most seniors and retirees.</li><li>If you filed taxes in 2018 or 2019 and have received refunds via a check mailed to your address, you can update your mailing information or request a direct deposit using the Get My Payment link on the IRS website coming in mid-April.</li><ul><li>If your address has not changed since your last filing and refund, you should receive your economic impact payment by check without taking any further action.</li></ul><li>If you have not filed taxes in 2018 or 2019, please visit the IRS website and complete the non-filers: enter-payment info here form. Details on eligibility and instructions are included on this site.</li></ul>Helpful hints:<ul><ul><li>If you have online or mobile banking and expect an impact payment, check the account you have set up to receive your direct deposit to see when it arrives. Please remember Forward Bank does not have an impact on when payment is scheduled to be received.</li><li>If you don't already have online or mobile banking, <a href="https://online.forward.bank/servlet/SLogin?requestType=vhtml&template=/c/enroll/IBEnrollment.vm&defaultLanguage=en">enroll online</a> today.</li><li>Please be patient with the IRS and their staff as they are working through this process while trying to keep their own families safe.</li><li>Only visit <a href="https://www.irs.gov/" target="_blank" rel="noopener" class="speedbump">irs.gov</a> for information on the economic impact payments. Do not complete forms on or from any other website or entity as they could be scams!</li><li>Do not provide bank account information to anyone via phone or email for the purpose of receiving the deposit of the impact payment. Use only the forms provided on the <a href="https://www.irs.gov/" target="_blank" rel="noopener" class="speedbump">irs.gov</a> coronavirus page.</li></ul></ul>(source: www.irs.gov)|||None{{NEWLINE}}What Types of Home Insurance Do You Need?|04/24/2020|"Insurance"|yes|what-types-of-home-insurance-do-you-need||In most typical homeowners insurance policies, there are a few items of standard coverage that help ensure that losses are mitigated. Below are the types of coverage you can expect to see in a standard homeowner's insurance policy.|In most typical homeowners insurance policies, there are a few items of standard coverage that help ensure that losses are mitigated. Below are the types of coverage you can expect to see in a standard homeowner's insurance policy.<ul><li>Dwelling: This type of coverage is for the structure of the home, from roof to floors and ceilings to walls. Dwelling coverage provides the peace of mind that you have protection up to the limit of your individual policy when natural disasters, theft, and other incidents occur.</li><li>Contents: This coverage ensures that your valuables at home are replaced in the event of a covered loss, so that you don't have to worry about your furniture, clothing, electronics, and other items that fall under this policy.</li><li>Personal liability: Accidents can happen in your home, but luckily, insurance can help cover injuries to an invited guest in your home. Additionally, if property damage occurs, your policy may cover it if it happens as a result of a qualifying accident.</li></ul>Understandably, there are unique situations that call for additional coverage, depending on your circumstances, which every homeowner should take into account. Residents in areas with high amounts of rainfall might consider flood insurance, depending on the likelihood and severity of floods, while those in areas with earthquakes should consider appropriate coverage.Additionally, homeowners who want updated replacements of damaged items might consider replacement coverage that provides for new items, as most insurance policies will only cover the value of items when they were damaged, not their original price.No matter your home insurance needs, we're here to help determine and customize homeowner's insurance coverage that is right for you. No two homeowners are the same, so contact Forward Insurance today to get the policy that will offer you maximum protection.<div class="block-helpful-info js-animated-icon-section"><div class="half-background"><div class="content"><div class="animated-icon js-animated-icon" data-path="/images/helpful-links.json"></div></div></div><div class="full-background"><div class="content"><div class="items"><ul><li><a href="https://online1.elancard.com/oad/learnMoreCorrespondent.controller?locationCode=12176&offerId=RWX69MQQMP&preparerType=customer" class="cta-btn text-black " target="">Over the counter medication</a></li></ul></div></div></div></div>|/assets/thumb__1588361796-housekitchencouplebakingcookingpizzayoungiStock470951224.jpg|1102|None{{NEWLINE}} Forward Bank Celebrates Power of Community Week|04/20/2020|"Community Giving"|yes|-forward-bank-celebrates-power-of-community-week||Banks devote time, effort, and resources daily in support of their communities. During the week of April 19-25, 2020, banks from across the Badger State will be participating in the Wisconsin Bankers Association (WBA) Power of Community campaign to highlight the role banks play in the communities they serve.|<img class="fpo-image" src="/assets/1588362113-powerofcommunitylogoweb768x768.jpg" alt="Blog - Forward Bank Celebrates Power of Community Week" data-type="photo" data-id="1104" />Banks devote time, effort, and resources daily in support of their communities. During the week of April 19-25, 2020, banks from across the Badger State will be participating in the Wisconsin Bankers Association (WBA) Power of Community campaign to highlight the role banks play in the communities they serve.This year Forward Bank is using Power of Community Week as an opportunity to deliver baskets full of healthy snacks to healthcare workers. Forward gives thanks for their help in "Moving our communities Forward to better health." Forward is also hosting a Stronger Together Photo Challenge on Facebook to raise funds for the Marshfield Area COVID-19 Relief Fund."During this time, we have seen where communities need our help more than ever. This is a great opportunity to reach out, give appreciation and provide guidance," said Bill Sennholz, CEO. "It's exciting to be coordinating our usual service efforts with other Wisconsin banks during the Power of Community week to really showcase how banks help their communities."Launched by the Wisconsin Bankers Association, the Power of Community campaign is a way that banks can celebrate the communities they serve, whether it's volunteering at a local non-profit, fundraising for a charitable organization, using a bank office to collect items to be shared with a local group, or participating in National Teach Children to Save Day.The Wisconsin Bankers Association is the state's largest financial industry trade association, representing nearly 250 commercial banks and savings institutions, their nearly 2,300 branch offices and 23,000 employees.|||None{{NEWLINE}}Stimulus Payment FAQs|04/17/2020|"Personal Banking"|yes|stimulus-payment-faqs||Answers to questions like "is my stimulus check in" and more.|Is my stimulus check in?Have you looked in your online banking or mobile banking? If you don&rsquo;t have online banking or mobile banking, we can look it up for you and can send you a link to sign up for online banking.My daughter/mother/brother/etc. got theirs, why didn't I get mine?The IRS is sending out payments in batches. The batches, in part, are based on greatest need based on income level, having current information on accounts to receive the direct deposits, and having current information to mail physical checks.When will my check come in?For more information on your payment, please check <a href="https://www.irs.gov/coronavirus/economic-impact-payments" target="_blank" rel="noopener" class="speedbump">https://www.irs.gov/coronavirus/economic-impact-payments</a>. Use the "Get My Payment" application for your payment status.What if I didn't file my taxes yet for this year? What if I don't file my taxes electronically?For more information on your payment, please check <a href="https://www.irs.gov/coronavirus/economic-impact-payments" target="_blank" rel="noopener" class="speedbump">https://www.irs.gov/coronavirus/economic-impact-payments</a>. Use the "Get My Payment" application to update your address or direct deposit information.Do I still get the check if I'm retired/don't work, etc.?Per the information on the IRS website, yes &ndash; retirees and those receiving social security benefits will still receive the economic impact payments. To see if your particular case is covered, please check <a href="https://www.irs.gov/coronavirus/economic-impact-payments" target="_blank" rel="noopener" class="speedbump">https://www.irs.gov/coronavirus/economic-impact-payments</a>.Do I still get the check even if I pay in for my taxes/owe money to the government?Please consult your tax advisor. They will be able to guide you through the process.Why didn't I receive my check the 1st round?The IRS is sending out payments in batches. The batches, in part, are based on: greatest need based on income level, having current information on accounts to receive the direct deposits, and having current information to mail physical checks.How are they determining who to send to first?The IRS is sending out payments in batches. The batches, in part, are based on: greatest need based on income level, having current information on accounts to receive the direct deposits, and having current information to mail physical checks.When will the next round come in?The stimulus payments will be distributed weekly on Wednesdays until all have been distributed. For more information on your payment, please check <a href="https://www.irs.gov/coronavirus/economic-impact-payments" target="_blank" rel="noopener" class="speedbump">https://www.irs.gov/coronavirus/economic-impact-payments</a>. Use the "Get My Payment" application for your payment status.|||None{{NEWLINE}}Forward Bank Helps Businesses Find Relief Amid COVID-19|04/15/2020|"Business Banking|News / Press Release"|yes|forward-bank-helps-businesses-find-relief-amid-covid-19||Over the last week, the Commercial Lending team at Forward Bank has been working with purpose &ndash; to move our businesses forward through this unprecedented time. They have been working tirelessly to understand the SBA programs recently announced and matching the best program to our customers' needs.|<img class="fpo-image" src="/assets/1588362798-MarshfieldatriumwithSBAlogo768x539.jpg" alt="Blog - Forward Bank Helps Businesses Find Relief Amid COVID-19" data-type="photo" data-id="1107" />Over the last week, the Commercial Lending team at Forward Bank has been working with purpose &ndash; to move our businesses forward through this unprecedented time. They have been working tirelessly to understand the SBA programs recently announced and matching the best program to our customers' needs.We're proud to say that we've surpassed the $50 million mark in securing funding through the government's Paycheck Protection Program. These funds support the businesses and non-profits in our area, helping them maintain a steady income for their employees."I've watched our team work through the weekends, come in early and stay late to get loans booked and provide some comfort for members of our communities through this uncertain time," commented Bill Sennholz, CEO of Forward Bank. "We've taken an 'all hands on deck' approach to addressing the volume of requests, and I am touched by the efforts of everyone that have stepped up.""The lending team has helped over 285 organizations in a very short period of time," stated Dave Clark, President of Forward Bank. "We know that there are more that could use our help navigating government programs or understanding the relief packages that we developed ourselves. Our purpose is to move communities, businesses, and families through this uncertain time."|||None{{NEWLINE}}Why You Should Not Skip out on Life Insurance|04/15/2020|"Insurance"|yes|why-you-should-not-skip-out-on-life-insurance||As the economy struggles and market volatility rages from COVID-19 impacts and more, nearly a third of US households are going without life insurance coverage. This may be a bad idea.|As the economy struggles and market volatility rages from COVID-19 impacts and more, nearly a third of US households are going without life insurance coverage. This may be a bad idea.Only 59% of Americans have life insurance, and about half of those with insurance are underinsured, according to industry-funded research firm LIMRA. Nine million households have only group life insurance (for example, through employers), which LIMRA says is not enough. Why are people going without life insurance?The obvious answer is that many people feel that they cannot afford it right now, especially when they are fearful about the economy and their investments. They may wish to put the money they would allocate to premiums into a rainy day fund. They may even need the money they would allocate to premiums to meet everyday living expenses.Another reason may be declining availability. Many people rely on their employers for life insurance, and some employers have scaled back or eliminated coverage. This has forced individuals to buy their own life insurance, but many just do not know where to go for life insurance, so they simply do without. But going without life insurance isn't a good idea for many people. Many households, for example, would have trouble meeting immediate living expenses if their primary wage earners die. Some may even have trouble meeting their own end-of-life expenses.Forward Insurance agents can help you determine if you need life insurance and, if you do, purchase a policy that is right for you based on benefits and affordability.Please <a href="/insurance/meet-our-agents/">reach out to us today</a>. We're here to help.|/assets/thumb__1588362960-familymomdaughterhelpingwithschoolcoloringhomeiStock1211375440WEB.jpg|1109|None{{NEWLINE}}Article Test|01/17/2025|"Forward Family|Investments|Security Tips"|yes|article-test|Rob L. Mort|Article Test Short|Article Text Long<div class="block-info-sidebar-icons-item-multi"><div class="icon"></div><div class="actions"><h2 class="title">test article block</h2></div></div>|||None{{NEWLINE}}

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