the Hangout

No Wildlife, Please: How to Protect Your Property from Pests October 11, 2017

Forward Insurance Agency_FIA_logo-horizontalYou didn’t set up your guest room for a family of squirrels. Or finish your basement to provide a playroom for mice. Yet, as winter approaches, many pests are seeking a good place to nest for the season. If they choose your home, your property may suffer significant damage. Chewed wires, damaged drywall, and shredded insulation are a few potential problems.


To avoid this damage, and the resulting homeowners insurance claims, take the following steps to pest-proof your home:


Remove the welcome mat: Mice only need a quarter-inch hole to enter your space. And you’d be surprised at the spaces other critters can wriggle into. Some pest management companies may offer a free inspection of your garage, roof, and basement; if any unwanted openings are inviting the outdoors in, complete the necessary repairs or seals to block off access. Quickly.

Clear the clutter: Walk around the exterior of your home. Are there piles of trash, leaves, or construction materials around your foundation’s perimeter? Remove them. Piled next to your house, these invite both rodents and bugs to expand into your home.

Trim it up: Branches that hang close to your roofline offer easy jumps from trees onto your home. Trim branches away from your house to prevent squirrels from moving in and starting families. This also helps protect your home from the tree itself. In high winds, branches close to your home can easily damage the roof, siding, or windows.

Keep pesky critters at bay and avoid the need to make an insurance claim.


Charity Scam October 9, 2017

In the aftermath of natural disasters, many “charities” run by scam artists pop up to take advantage of Americans’ willingness to help others. Follow these steps to steer clear of crooks looking to make a quick dollar off of your generosity:


Avoid charities that seem to have sprung up overnight in response to a disaster. Instead, give to charities with a proven track record of helping natural disaster victims.


Make sure the charity you are donating to is legitimate. You can do this by checking out websites like Charity Navigator,Charity Watch, orGuideStar. There you can find information like tax records that explain what the charity does, how long they’ve been doing it, and who their head employees are.


Pay by credit or debit card. That way, if the charity turns out to be a scam, you can dispute the charge.


If you receive a solicitation from a group fundraising on behalf of another organization, be sure to ask what percentage of a donation is kept by the fundraising organization. If the caller is unable or unwilling to provide that information, or if the fee seems unusually high, it could be a scam.




Forward’s Grand Opening Event in Stanley October 6, 2017

Thorp_Grand Reopening_invite

Successful $5,000 Field Goal Kick at Thorp October 5, 2017


$5K Field Goal Kick_Thorp_Donnie Kroeplin_Forward Financial BankForward Financial Bank sponsored a $5,000 Field Goal Kick on September 1, 2017 at the Thorp Cardinals football game.


The lucky kicker, Donald Kroeplin, was selected at random from the crowd to attempt a 25-yard field goal kick for a chance to win $2,500 for himself and $2,500 for the school’s athletic program. At halftime, Kroeplin walked onto the field with confidence as volunteers set up for the kick. Moments later the crowd erupted in cheers and applause as the ball soared over the goal post with plenty of distance to spare! What a great way to start the season! Congratulations Donnie!


“We’re excited to continue this partnership with our school athletic program and support our student athletes,” commented Samantha Hubbard, Thorp Office Manager. “This is a great event that makes giving back fun and brings people together to support our local athletes – we’re looking forward to the next event.” The last sponsored $5,000 field goal kick of the season will be at Medford on October 13th.

Learn more about our Cooperative Programs»

Forward Financial Bank has been named one of the Best Banks to Work For in 2017 October 2, 2017

best banks to work for 2017, american banker logoThe 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.


“Our annual ranking recognizes the financial institutions that are committed to investing in employees’ job satisfaction, career development and personal growth – a ‘return on assets’ that can be hard to measure by traditional means,” said Marc Hochstein, editor in chief of American Banker. “One of the most valuable assets for any organization is the team of people it employs, and banks are no exception.”


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.


 “The honor of making the Best Banks to Work For list for 2017 resonates with the Board and leadership team,” commented Bill Sennholz, President & CEO of Forward Financial Bank. “This recognition is a direct result of our team knowing how valuable they are to Forward and our customers. Their belief in our organization is what drives us forward in a very special way.”


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