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Hiring Subcontractors

What you are required to do when you hire a subcontractor 

 

Reprinted by permission of SFM 

 

Hiring an uninsured subcontractor poses a significant liability to your organization. This liability can affect your workers compensation premium substantially. This notice explains what you must do to avoid unexpected additions to your premium.

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Refund Anticipation Checks (RACs)

If you’re considering a national tax preparer that promises faster refunds by offering Refund Anticipation checks (RACs), get the full story.

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“Free” Tax Prep?

You have likely seen or heard advertisements on billboard, TV or radio for “free tax filing” of 1040EZ returns this season from certain tax preparation companies. 

 

Beware! We think it's important to know exactly what this means to avoid unanticipated tax preparation costs and fees associated with financial products that promise fast refunds, such as Refund Anticipation Checks.

 

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Alicia Driscoll Promoted to Personal Lines Sales Agent

Insure Forward, Grand Forks, announces that Alicia Driscoll has been promoted to Personal Lines Sales Agent.

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Do your employees drive their own vehicles for work purposes?

If your employee uses his or her own personal vehicle for work-related duties, what happens if he or she has an accident? Generally, your employee’s auto insurance company would pay for any damage, but if their coverage is insufficient, who pays? 

 

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Trenbeath Named Grand Forks Market President

 

Bank Forward, Grand Forks, announces that Brady Trenbeath has been promoted to Market President for the Grand Forks Bank Forward locations.

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Snowmobile Safety Tips

Happy International Snowmobile Safety Week! Here are a few tips on how to stay safe during your snow-filled adventures this winter. 

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Preventing Wintertime Slips and Falls

For tips on how to prevent injurys at work in the icy weather check out the article below, courtesy of the Society for Human Resource Management. Stay safe!

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Jamie Moch, Dana Wolff named 2012 Bill Brown annual award winners

Bank Forward is pleased to announce that Jamie Moch and Dana Wolff are recipients of the 2012 Bill Brown award, the highest award given to employees by Bank Forward for service and teamwork.

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FDIC Tips for Young Adults

The FDIC published a collection of simple tips for young adults and teens on saving and managing money and avoiding financial scams. The fall 2012 edition of FDIC Consumer News also includes suggestions for parents and caregivers on saving for a child's future and teaching youngsters about money. 

 

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Gary Goplen Named to Board of Directors for ND Development Fund

Gary Goplen, senior vice president at Bank Forward, has been named to the board of directors for North Dakota Development Fund.

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Dana Parkhouse, Jessica Haugen Earn AAP Designations

Dana Parkhouse and Jessica Haugen successfully passed their AAP Certification Exam recently.

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Loan Production Offices Open

The ND Department of Financial Institutions has approved Bank Forward's new Loan Production Offices (LPO) in Fargo and Crookston.

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Protect Yourself Online

Internet Security:

  • Never share personal or payment information via email. Regular email is not secure and can be intercepted.
  • Practice extreme caution when using public computers. You may be at risk when using public computers-such as those in hotels, libraries, or internet cafes. Spyware may have been installed and by entering private information you are at risk of having it stolen.
  • Provide personal information on a web page only if it's secure and you have initiated the contact. Always check for the lock icon or check the site certificate.
  • Keep your passwords secret. Change them regularly, using a mix of numbers and characters.
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Reduce Your Risk of Identity Theft on Vacation

Traveling, for business or for pleasure, can increase your exposure to financial risk. Here are some simple tips to protect yourself and reduce the risk of identity theft as you head out on your summer vacation: 

 

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Secure Mobile Banking

Mobile banking offers many benefits – convenience, 24 hour access, the ability to check your balances, make transfers between accounts, and even make loan payments. It is a secure system, however, as with any electronic devices; there are risks and steps you can take to protect you and your financial information. 

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Recognize Online Fraud

Email Fraud

Also called "phishing", "pharming", or "spoofing", email fraud occurs when internet thieves are trying to steal your confidential information such as account numbers and passwords. They send emails that appear to be from a well known company or appear as a legitimate website and entice you to disclose personal information.

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Remove Your Name From Marketing Lists

Get Off Mailing Lists
Direct Marketing Association
Mail Preference Service
P.O. Box 9008, Farmingdale, NY 11735-9008

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Recognize Identity Theft

Identity theft is when someone steals personal and financial information, such as your name, social security number, or an account number, and uses that information for financial gain. 

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Important Contact Information

U.S. Postal Inspectors Office
Victims of fraud should contact their local post office to report any crime involving stolen mail or use of the mail in furtherance of a fraud scheme.

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