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Joe Weppler / June 5, 2020

Experiencing “Zoom Fatigue?” You’re not alone.

You won’t find the term in any psychology textbooks, but experts are saying that “Zoom Fatigue” is rapidly becoming a common occurrence for people working from home during the pandemic.

The term started as slang for the exhaustion people are experiencing conducting their day-to-day activities through video-calling interfaces like Google Hangouts, Skype, Microsoft Teams and the eponymous Zoom. Google searches for the term have steadily increased since early March, and psychologists say that several factors are leading to Zoom fatigue.

So why are we finding these video calls so draining? How are the current circumstances contributing to the problem? And what can we do to combat it while still maintaining the rules and habits that keep us safe?

Filling in the Gaps

In an interview with The Inquirer, Eric Zillmer, the Carl R. Pacifico professor of neuropsychology at Drexel University explained that partial blame falls on the lack of nonverbal cues in video calls.

“An amazing amount of neuronal mass is dedicated to reading people’s faces, sensing emotions, social cues, the ambience, intuition,” said Zillmer.

But on video calls, much of that information is lost — whether to fuzzy, stuttering video or simply the two-dimensional nature of a face on a screen. Without these visual social cues, our brains are working overtime in an attempt to hyper-focus on words alone.

“You have to fill in the gaps,” Zillmer said. “And that takes cognitive energy. You get tired more quickly.”

The issue is compounded when there are multiple people on a single call. Your brain struggles to understand each, which can lead to not understanding any.

Always On

It’s not just work. During the pandemic, when quarantine is the norm, video calls aren’t just about doing business. They’re how we connect — with friends and family, professors and classmates, and even church. We’re following along with our yoga instructors, participating in educational webinars, and checking in on our loved ones.

There’s a common denominator with all these calls we experience throughout the day — a little picture of ourselves in the corner. In normal day-to-day interactions, we don’t see ourselves. In video calls, our faces are omnipresent. This leads us to be hyper-aware of ourselves — from our physical appearance to our environment. Our brains magnify every perceived flaw, and we can’t escape the feeling that everyone in the call is looking directly at us.

If that isn’t mentally exhausting enough on its own, being on camera also puts us in “performance” mode. We sit up straight, we put on a big smile, we over-articulate verbally and we over-emphasize physically. Think about the last in-person conversation you had. Did you stand three feet away from them and stare at their face the entire time? No — you looked around, your peripherals taking in other people or objects. On camera, we worry that looking away makes it look like we’re not paying attention. Without those breaks in the “constant gaze,” our brains get tired.

Thankfully, there are some steps you can take to combat Zoom Fatigue. The most obvious being cut down on the number of video calls you participate in. There are a few ways to go about this:

Designated Meeting Times

You can establish times designated for “No Meetings” to give you time to refresh your brain and focus in on non-video related tasks. You could even designate a day to be specifically meeting free. If it’s conducive to how your team operates, you could do the opposite and schedule all your meetings in one day so you can keep the rest of your week Zoom-free.

Meet Only When Necessary

There’s a classic office saying that follows many meetings that don’t see much participation — “That could’ve been an email.”

Take advantage of emails and chat platforms. Text-first has the added benefit of forcing you to write down your thoughts — which will often lead you to think more critically about your ideas and even solve your problems before you hit send.

If someone is asking you for a video meeting, learn to say no if you don’t think the meeting will be valuable. Provide alternatives, ask for documents or video — a lot of the time people ask for a meeting as a default when the problem at hand could just as easily be solved with an email. If Zoom Fatigue is getting to you, don’t be afraid to say no. Your time and energy are valuable.

Play by the Rules

Sometimes, calls are unavoidable. When they are, set rules for yourself and your team and conduct your calls within them.

Create an agenda and stick to it. If your meeting is going to be long, schedule breaks. If your meeting software has the option, consider hiding the view of your camera to reduce that “performance” mode tendency. If video isn’t necessary – consider some good, old-fashioned voice communication.

Finally, if you need to have a meeting and it needs to be on video — do your best to keep it short. Go in prepared, say what needs to be said, and get out. Your brain will thank you for it.

Joe Weppler / May 27, 2020

Credit Card Companies Are Cutting Credit Limits Due to COVID-19 Concerns

According to a report from CompareCards.com, nearly 50 million cardholders had their credit limits involuntarily reduced or even had a card closed by their issuer in April. The same survey found that 3 in 10 cardholders are using credit cards “more than ever” since the onset of the coronavirus pandemic. 

Considering the impact that COVID-19 has had on the economy, it’s no big surprise to see banks reduce their lending. In uncertain economic times, banks get nervous at the prospect of their borrowers running into unexpected financial circumstances. The precedent was set in 2008, just before the Great Recession, when economic uncertainty led to banks slashing credit limits and tightening credit standards. 

Unfortunately, these cuts can have a negative impact on your credit score by increasing the overall percentage of your credit in use. For example, if you have a credit limit of $20,000 across two credit cards, and you’re currently using a balance of $4,000, you’re using 20% of your credit — keeping within the suggested utilization rate of no more than 20% to 30%. 

In this same scenario, if your credit card limit is suddenly slashed to $10,000, you’re now using 40% of your available credit without ever having borrowed more or missed a payment. That change is going to negatively impact your credit score at no fault of your own. In fact, your utilization rate is the second-largest factor in determining your credit score — second only to your payment history. 

While there’s no way for a consumer to guarantee that a bank won’t reduce their credit card limit or close their account altogether, here are a few ways that you can mitigate the risk: 

Actively maintain your credit score: Continue to pay your bills on time and keep your utilization rate below 20-30%. By avoiding late payments and high utilization rates, your credit limit will naturally grow over time. 

Keep your cards active: If you have multiple cards, make sure you don’t let any of them become inactive for too long. Inactivity is one of the most common reasons you might see your credit card limit lowered. Your credit card limit is not set in stone when you receive you card — sudden drops in your credit score can lead to your issuer lowering your limit. This can be as simple as making a single purchase on your lesser used cards every few months before hiding them away again. 

Move recurring payments to an inactive card: One great way to keep your less-used cards active is to use them for small, recurring payments like subscriptions to streaming services, food delivery plans and monthly bills. Most recurring services have auto-pay options that can be used as a set-and-forget method of keeping your card active. 

Ask for a limit increase: While this may sound redundant, one method of countering the effects that a credit card limit slash might have on your credit score is by seeking a limit increase on another card. This can help maintain your utilization rate and mitigate a dip in your score. Issuers are less likely to approve an increase in your limit now — but it’s worth asking.

Reach out to your card issuer: Speaking of asking — if your credit card limit is reduced or your account is closed — reach out to your card issuer. If you can show them that you’re still employed, maintain a steady income and that you’ve been a valuable customer, you may be able to have the decision to lower your limit appealed. Often, these decisions are made by a computer program and can be reversed with human intervention.

If you’re struggling to pay your credit card bills, many credit card issuers are currently allowing their customers to opt into relief programs online. These financial hardship programs usually offer cardholders both short-term and long-term payment plans in exchange for immediate relief from their credit card bills.

Joe Weppler / May 22, 2020

How Are Telecom Operators Coping With Increased Traffic?

Rogers Communications Inc. recently told a House of Commons committee that home internet usage is up more than 50 percent compared to before the coronavirus pandemic. Voice call usage on the Rogers wireless network is up 40 percent, and 1-800 toll-free calls are up more than 300 percent. Rogers customers alone are making more than 50 million wireless voice calls per day.

According to Akamai, a tech company that monitors web defenses, global internet traffic has increased by as much as 30 percent since mid-March. That’s almost an entire year’s worth of internet traffic growth in just a few short weeks. It’s important to note that this growth was experienced even with the loss of live sports streaming, which normally accounts for significant global traffic.

When it comes to mobile data consumption, the trends are unsurprisingly similar — especially in areas with heavy lockdowns such as Spain and Italy. Italy — the first European country to go on lockdown — saw peak usage increase by nearly 90 percent.

So how are telecom operators and content owners across the world stepping up to address the impacts of such significant traffic surges?

Telcos everywhere have worked closely with their respective governments to provide increased internet services to the public to help manage the crisis. Engineers are working around the clock adding additional fibre-optic connections and servers to those invaluable central offices that house and reroute customer data.

Video game companies like Sony and Microsoft are bottle-necking peak-hour downloads to help combat the congestion. Massive video streaming platforms like Youtube, Amazon and Netflix have adjusted their encoding rates, sacrificing video quality to help reduce the strain on telecom operators. This is especially pertinent, as major video streaming platforms are reporting massive increases in usage as people spend more time on the couch. The television industry as a whole saw a 20 percent increase in viewership in mid-March, and Amazon’s live streaming platform Twitch saw its total amount of hours watched jump from 33 million on March 8th to 43 million on March 22nd.

In the U.S., the Federal Communications Commission has granted temporary access to normally reserved mobile spectrum bands to provide additional broadband capacity. Similar steps are being taken across the planet, from Ireland to Brazil.

AT&T has waived data overage fees in the United States. Vodacom in South Africa has invested $24 million to add network capacity to support remote workers. In Canada, Bell accelerated the rollout of its new wireless home internet service in rural areas. In Wuhan, the original epicenter of the coronavirus virus, China’s three major telecom carriers have set up 5G stations for health care workers in city hospitals.

Businesses everywhere are experiencing unprecedented circumstances, and they have all had to adapt — whether to growth or loss — due to the pandemic. In these strange times, it’s comforting to see the international effort put towards keeping humanity connected.

Joe Weppler / May 15, 2020

The Benefits of Electronic Logging Devices

In the United States, the Federal Motor Carrier Safety Administration mandated in late 2017 that most commercial vehicles over 10,000 pounds be installed with electronic logging devices. This is to enforce hours-of-service rules for truckers in order to help prevent crashes and injuries. North of the border, a similar mandate (with a few key differences) from Transport Canada comes into effect in June 2021.

If you’re involved in trucking you likely know what an electronic logging device (ELD) is, but for those unfamiliar, an ELD is a certified device that automatically logs a driver’s hours of service electronically. The ELD is able to automatically detect when a driver begins and ends a trip including time spent taking breaks. Beyond governmental compliance, there are several great benefits to installing ELDs in your fleet. Let’s take a look at some below.

1: More Road Time for Drivers

According to estimates by the FMCSA, drivers spend over 20 hours a year simply filling out their paper logs. ELDs not only reduce paperwork time for drivers and filing time for their carriers, but also reduce time spent on checking up on driver hours.

Plus, ELDs can significantly cut down on the time a driver spends in an inspection, because their hours are clearly readable for an officer and drivers won’t have to spend time digging through their paper logs to find violations or correct errors.

2: Added Value-Functions

ELDs don’t just log driver hours — they can come with plenty of value-adds that can save you time and headaches.

  • Driver-Vehicle Inspection Reports completed through an in-cab tablet before each trip to reduce time and increase accuracy
  • Driver behavior tracking to encourage good driving habits and increase the safety of both truck drivers and regular passenger vehicle drivers on the road
  • Fleet management capabilities such as automatic fuel tax reporting
  • Fuel efficiency monitoring to identify trends and save organizations money on one of the biggest expenses a fleet incurs

Not all add-ons will be useful for every fleet, so make sure you do your research and pick the ELD system that works best for your business.

3: Better Route Management and Live Location Tracking

ELDs allow fleet managers to track their trucks via GPS, giving them real-time locations of their drivers. That means fewer distracting calls to drivers asking for updates, increasing productivity of both the manager and driver. Plus, GPS tracking can help both managers and drivers refine and optimize their routes to make them as fuel efficient as possible.

4: Liability Reduction

Accidents happen on the road, which means even the safest driver could find themselves in a wreck. For companies with many drivers logging many hours on the road, lawsuits are an inevitability.

ELDs can help strengthen a truck driver’s case in instances where they aren’t at fault. The data recorded by the ELD can be used as evidence in court, and could be the difference between winning a lawsuit or paying out a hefty penalty through no fault of their own.

5: Road Safety and Insurance Costs

According to the FMCSA, ELDs save over 25 lives and prevent hundreds of injuries every single year. Plus, with vehicle and hour monitoring, ELD helps prevent even more accidents caused by driver fatigue or mechanical failure.

An added benefit to carriers is that with increased safety comes decreased insurance premiums. Fleets with ELDs installed should see their insurance costs drop as ELDs have been proven to increase fleet safety. Plus, with GPS tracking, the risk of stolen vehicles drops dramatically.

Schooley Mitchell are experts in electronic logging devices and fleet tracking, and we can examine your entire system to recommend the configuration that’s right for your business. If you’re outfitting your fleet with ELDs, contact us today to make sure you’re getting the right service for your business at the best price available — completely risk-free.

Joe Weppler / May 8, 2020

Are Electronic Signatures the Next Step for Your Business?

Offices across the world have been trending digital for years now — and with the current coronavirus pandemic, people are even less inclined than ever to deal in physical documents. In the fast-paced business landscape, the convenience of computer screens and mobile devices have increasingly pushed paper to the wayside.

So what are electronic signatures, and are they right for your business?

According to one definition, an electronic signature refers to “data in electronic form, which is logically associated with other data in electronic form and which is used by the signatory to sign. This type of signature provides the same legal standing as a handwritten signature as long as it adheres to the requirements of the specific regulation under which it was created.”

In a paper for MIT written by David Fillingham in 1997, he outlined that the application of signatures, either handwritten or digital, was to achieve three main security services:

Authentication: A signature proves the signers identity.

The most obvious example being the signature on the back of a credit card indicating who the owner is, or on a check to indicate where the money is coming from.

Data integrity: A signature is assurance that the data of the document has not been modified since the signature was applied.

While a traditional signature itself does not provide data integrity, things like indelible ink and tamper-proof paper provide some measure of security. Digital signatures take this aspect a step further, since any modification of a digitally signed document will always result in verification failure.

Non-repudiation: A signature prevents the signatory from denying involvement in an agreement.

Providing evidence to a third-party that a signatory participated in a transaction or other type of agreement protects the parties within the agreement against false denials of participation. For example, a customer’s signature on a receipt from a credit card transaction protects the store and card-issuing bank from false chargebacks.

The objective of an electronic signature is to quickly and efficiently authenticate a digital document without the use of pen and paper. Electronic signatures are much quicker than the traditional electronic method of sign-and-scan, and according to a 2013 research study on signing productivity in high-volume environments such as sales, finance and human relations, replacing traditional methods with electronic signatures saves an average of $20 per document.

Plus, by using electronic signatures to authenticate your documents, you help to eliminate the opportunity for fraud. This leads to a considerably more secure process for documents than even pen-and-paper based signing. Electronic signature platforms also benefit from increased oversight, allowing you to centralize and monitor the signing process.

To recap — electronic signatures will help your business cut down on paper, postage and printing, save your business significant time and money, reduce overall turnaround times, protect your business from non-repudiation and provide increased security through better oversight and improved data-integrity.

If you’re interested in finding an appropriate electronic signature service for your business, Schooley Mitchell can make sure you find the right service at the best possible price. Reach out today for your risk-free consultation.

Joe Weppler / May 1, 2020

Contactless Payments Can Keep You Safe – and They’re Here to Stay

Do you wonder how many infections could be stopped if we kept our cards — and our germs — to ourselves? According to a study conducted by finance site LendEDU, debit and credit cards are dirtier than cash and coins. In fact, the sanitation monitoring device used to calculate their “germ score” by measuring the number of bacteria on a particular surface found that our payment cards beat out public train station bathrooms! For obvious reasons, contactless payments are an excellent alternative!

Are you new to contactless payments? Trust us — you’re not alone. Mastercard reported a 40% increase in contactless payments in the first quarter of 2020 as the global coronavirus pandemic worsened. The trend is being driven by consumers looking for quick ways to get in and out of stores without touching anything. Mastercard also thinks the contactless payment trend will continue well after the pandemic.

Most of us carry our smartphones with us everywhere we go, and we’re sanitizing them frequently as advised by medical professionals across the world. Thankfully, if you carry your smartphone, that also means you likely carry Apple or Samsung Wallet with you too. By using contactless payments, we avoid exposing our physical payment cards to droplets at one cashier counter, and the next, and the next. Plus, we avoid having to touch the physical terminal at all to punch in our PIN.

Unsure if this form of payment would be offered where you shop? Keep your eyes peeled for the Contactless Payment symbol — similar in appearance to a WIFI symbol turned on its side. Look for this symbol the next time you visit your favorite restaurant or retailer or ask an employee if you’re unsure. You might be surprised just how many places now offer contactless payment. Hold your phone out the window at the drive-through or curbside pick-up now, and after the pandemic has been quelled, keep using it to avoid contact with machines where other cards have been dipped or swiped.

In case you’re worried about transaction security — contactless transactions leverage near field communication (NFC) technology to establish a wireless connection with the cashier’s terminal. Linking credit cards to smartphones makes it much harder to steal a user’s payment information for several reasons.

  • The smartphone must be unlocked first
  • The correct payment app must be open
  • The phone must be very close to the terminal

Payments made through card-connected mobile devices or other wearable technologies benefit from the most fraud protection. Your physical card number is not saved in your smartphone wallet. Instead, a device account number is created for your card on your particular device. This number is separate and unique to your phone and different from your physical card number. Because legacy, contactless, and EMV (chip) credit cards can all be linked to NFC-enabled devices, this technology is not only secure but also the best in-person payment method to reduce the spread of a virus.

One thing to note is that merchant services processors categorize their payments by “card-present” and “card-not-present” when analyzing the risk of the payment. While the terms seem self-explanatory, a transaction is considered “card-present” only if electronic data is captured at the time of the sale. That means that hovering your phone above a contactless-enabled terminal constitutes a card-present transaction — meaning the store saves on processing costs compared to an order taken over the phone, on a website, or using electronic invoicing!

 

This week’s blog was written by Schooley Mitchell Strategic-Partner Jill Lowry. You can visit her at www.schooleymitchell.com/jlowry for a free consultation if you’re interested in setting up contactless payment for your business or reducing your various business expenses.

Joe Weppler / April 23, 2020

What Will Returning to Work Look Like?

The coronavirus outbreak has caused widespread concern and economic hardships for consumers, communities and businesses alike. The situation has evolved rapidly since it’s onset, and business leaders across the globe have found themselves tested on everything from their crisis management skills to operations and supply chain alternatives.

In a PWC survey, finance leaders across the United States listed their top three concerns with respect to COVID-19 as financial impact, a potential global recession, and the effects on the workforce/reduction in productivity. Indeed, some of the biggest companies in the world are preparing to tell their employees it’s time to return to work.

While some companies will undoubtedly reinvent themselves post-pandemic, for many it will be a race back to business-as-usual. Whether your business is taking a new path or trying to hold steady, let’s take a look at some of the changes that will likely stick around — even after things start returning to normal.

Working From Home

If there’s one thing that is certain, it’s that more businesses will note the effectiveness of employees who work from home even as offices reopen. While the flexibility that working from home offers can reduce turnover and increase productivity and morale, it also can greatly reduce a business’s overhead expenditures.

How many companies will close or dramatically reduce the size of their offices in favour of continuing to work from home after they’ve been forced to give it a trial run? Power bills, rent, office supplies, amenities — these are all expenses that are reduced or outright eliminated when your workforce works remotely. While there are certainly great benefits to having your employees under one roof, it’s likely that we’ll see a major increase in telework after the pandemic ends compared to before it started.

Online Shopping & Delivery

While online shopping isn’t anything new, social distancing has turned the dial up to 11. In particular, food courier and grocery delivery have seen major upticks in popularity as people strive to avoid public places. Everybody has to eat, after all.

Even as our businesses reopen, our shopping habits have likely changed for good. People across the globe have found a new appreciation for the ease of buying things online. While brick-and-mortar stores aren’t likely to disappear overnight, e-commerce will continue to grow at a rapid pace.

Service Industry Methodology

The coronavirus has the potential to permanently shift the way many service industries operate. Consumers across the globe will think much harder about the health implications of squeezing many people into small areas. Crowded restaurants, movie theatres, concert halls — the coronavirus has been a true test for businesses that depend on social gathering.

In Wuhan, where the coronavirus outbreak began, service industry business owners are finding that consumers are still reluctant to gather even as everything reopens. As the world’s population continues to grow every year, how can the service industry account for humanities newfound appreciation for personal space?

While the business world is eager, any and all return-to-work efforts will undoubtedly be a gradual process. The return will happen in waves as our demand for certain products and industries grow. These times are truly unprecedented — only time will tell how our coronavirus-induced anxieties will affect the world in the long term.

Joe Weppler / April 17, 2020

Disinfecting Your Home and Safely Disposing Waste

Cities across the world have been experimenting with different waste collection regulations since the onset of the coronavirus pandemic. Many have increased the household garbage bag limit, while others have suspended curbside pickup or opted to close recycling centers. Some governments are also issuing special waste disposal guidance to those who are in self-isolation with symptoms of COVID-19.

According to The Centers for Disease Control and Prevention’s pandemic recommendations, medical waste (trash) coming from healthcare facilities treating COVID-19 patients is no different than waste coming from any other medical facility. The CDC states that management of laundry, food service utensils and medical waste should be performed in accordance with routine procedures.

In other words, there is no evidence that waste generated in the care of patients with COVID-19 requires additional considerations for disinfection or disposal than routine medical waste disposal. This is because coronaviruses are susceptible to the same disinfection conditions in healthcare settings as other viruses.

For those with symptoms of the virus, there are several steps you can take both when cleaning and disinfecting your home as well as when disposing of personal waste such as used tissues, face masks, and disposable cloths.

When cleaning and disinfecting, you should wear disposable gloves. Focus your efforts on routine cleaning of frequently touched surfaces. Doorknobs, light switches, keyboards, countertops — these are all high-touch surfaces that you should be cleaning often.

After cleaning with soap and water, the CDC recommends the use of Environmental Protection Agency-registered household disinfectants. You can check if your disinfectant of choice meets the EPA’s criteria for use against the virus that causes COVID-19 by checking the list on their website at www.epa.gov. Diluted household bleach solutions can also be effective if appropriate for the surface. Not all bleaches are suitable for disinfection, so make sure to check the label to confirm.

When disposing of personal waste, the CDC recommends a dedicated, lined trash-can for anyone with symptoms if possible. You should use gloves when removing garbage bags and disposing trash, and always wash your hands afterwards. You can also consider double-bagging your personal waste by placing it in a garbage bag, making sure it is securely tied, then placing it in a second bag and keeping it separate from your other waste.

If you’re an essential worker and required to use Personal Protective Equipment in the course of your job, make sure you know the waste category your PPE falls under when you go to dispose of it. Management of contaminated infectious waste follows state and local bylaws, and there can be hefty fines for not properly disposing waste if it’s considered medical. Check in with your local health unit to confirm whether or not your PPE falls into the medical or general waste category.

It may also be prudent to refrain from putting out any unnecessary waste for the time being. As the weather heats up, many of us enter spring cleaning mode — but delaying your spring cleaning will help reduce extra strain on the system during the pandemic. While it may be tempting to get rid of our hoarded winter items, we should all do our part to keep our trash collectors safe and the system running smoothly.

Joe Weppler / April 9, 2020

Best Practices for Working From Home on a Team

We all have our strengths and weaknesses — and as more and more of us work from home, those strengths and weaknesses can be compounded — or even reversed. Maybe a change in environment is exactly what the procrastinator needed to become more productive. Or maybe it’s an excuse for them to focus on their household chores instead of the work they should be doing.

Either way, our strengths and weaknesses define us. They especially define how we work together. By playing to our strengths in a team, we become much more productive overall. But by giving in to our weaknesses, we can easily derail a meeting and negatively influence our overall agenda.

Here are some best practices (and things to avoid) while working from home as a member of a team.

Ideas — Yours and Mine

The only thing better than a team member having an excellent idea is when you have an excellent idea — but either way, both are to be encouraged and celebrated.

If your team member has a great pitch or idea for solving a problem — it’s important to build them up and expand. Ask questions and help flesh out how it will work practically. Be cognizant of the potential negatives, but instead of saying it won’t work, do your best to brainstorm with them to find the path through.

In the same vein, when you have an interesting thought, share it! Don’t keep quiet — bright ideas are always desired in a team setting. Invite your team to help you work through the issues, and you’ll inspire them to contribute too.

Keep in mind — your goal should not be to dominate the conversation. Don’t speak over others, and don’t interrupt. But if you think your idea is great, let it be heard. And let your team members work with you to make it even better.

Keep the Ball Rolling

One of the worst feelings while participating in an online meeting is looking at the clock, realizing you’ve hit your allotted time for the meeting, and noting that your team hasn’t accomplished anything. Whether there were distractions, arguments, or confusion — it doesn’t matter. The time was unproductive, and you’re nobetter off after the meeting than you were before it.

One of the most valuable skills you can have in a team setting is being aware of everyone’s time. Encourage your team members to focus on the agenda. If a distraction comes up, try to shift the focus back to the issue at hand — respectfully. Online meetings become much less fun when you think your time is being wasted. Endeavour to be the person that keeps the team on track, and everyone will thank you for it.

If you do have someone that often derails the conversation, whether on purpose or by accident, remember to kindly thank them for their input on the topic, but encourage them to share their thoughts on the actual issue at hand.

Step Up and Take Action

Awkward silence can be the death of a productive meeting. When no one else is willing to speak up, strive to be the one that does. By taking action and moving the conversation forward, you encourage others to participate and you make sure that your meeting doesn’t run short with nothing of value said.

Use the tools you’re given to keep people engaged. Send photo examples or use the virtual whiteboards and other tools that modern video conferencing apps have en masse. If the conversation grinds to a halt, shift to a different angle and re-approach the issue. No matter what you do, by simply taking action, you’re providing a great value to all your team members. It’s much easier to work off of a catalyst then silence.

Again, the flipside here would be the quiet team members who seem to just be along for the ride. Some great methods for getting your quieter members to speak up can be assigning them something to research beforehand so they can prepare, or simply asking them directly to share their thoughts during the discussion. There generally aren’t any right or wrong answers during a meeting — it’s all about getting everyone’s input and crafting your solution to the problem in turn.

Remember to Keep It Light

Let’s face it — most meetings are boring. But they don’t need to be. While it’s important to focus on the task at hand, don’t be afraid to make jokes or show off your pets on camera. A little lightheartedness can go a long way — especially in these difficult times. Aspire to be the one that brightens the mood. You might be shocked at how much more productive and valuable a meeting can be when everyone isn’t dour and serious the entire time.

Above all, make sure to remind yourself and your teammates that while things may be tough right now, you are all resilient and you will make it through to sunnier days.

Joe Weppler / April 3, 2020

Coronavirus Scams Targeting You and Your Business

“If you are a small business that has been affected by the coronavirus, press “1” to ensure your Google listing is correctly displaying. Otherwise, customers may not find you online during this time.”

If you’ve received this call or something similar in the past few weeks, you’re just one of the millions of businesses across the U.S. and Canada that have been targeted by robocall scams designed to exploit people’s COVID-19 concerns.

In fact, both the Federal Trade Commission (FTC) and the U.S. Secret Service have issued warnings that scammers are imitating companies, government agencies and healthcare providers in unprecedented numbers — and cybersecurity experts say that the attacks are just getting started.

Here are some scams you should be looking out for in order to keep you and your business safe:

Robocalls:

According to the FTC, any robocall trying to sell you something is illegal unless a company has your written permission to call you that way — excluding some calls such as candidates running for office or charities asking for donations. And if someone is already breaking the law by robocalling you, there’s a good chance it’s also a scam.

These calls are running the gamut from offering fake COVID-19 testing kits and free sanitation supplies to fake government financial support. The only correct response to these robocalls is to hang up — do not press any numbers, even if directed to in order to remove you from the call list. By pressing a number, you confirm to the scammers that your number is active and you open yourself up for more scam calls in the future.

Note: There are no anti-robocall laws in Canada, but they are subject to CRTC regulations. Regulations include a clear message identifying on whose behalf the call is made, a mailing address, and a number at which a representative can be reached.

Business Email Scams:

Uncertain economic conditions lead to confusion, panic, and irregular transactions. Scammers are taking advantage of the confusion to double down on business email scams. An example from the FTC is the CEO scam — wherein an employee gets an email from their boss directing them to do something — wire money, transfer funds, send sensitive information. Except the email is actually coming from a scammer that has spoofed the boss’s email. The issue is made even more difficult with the massive influx of professionals working from home. A puzzled employee can’t just knock on the bosses door to confirm the request.

The best way to combat these scams is to make sure staff has a central contact that they can reach out to in order to verify any requests they may receive — irregular or not.

Fake Cures and Public Health Scams:

Teas, essential oils and colloidal silver all have something in common — none of them are a cure for COVID-19. The FTC and U.S. Food and Drug Administration (FDA) have jointly issued warning letters to seven separate sellers of unapproved products claiming they can prevent or treat the coronavirus. The companies that have received these letters have no evidence to back up their claims, which is required by law in order to advertise their products. The FDA states that there are no approved vaccines or drugs available to treat or prevent the virus.

Furthermore, scammers are sending messages claiming to be from public health offices and officials aiming to steal confidential information or installing malware on your computer. They are asking for Social Security numbers and Tax IDs. They are sending “infographics” that are actually keyloggers in disguise.

Remember not to download any attachments or click links in any unsolicited emails.

Fake Charities:

During difficult times, incredible charities and non-profits often step up to the plate and provide crucial assistance that keeps our most vulnerable safe. Unfortunately, for every legitimate charity working for those in need, a fake one pops up looking to take your money.

They use websites that look legitimate, with real emails, signature blocks and phone support lines. They even use names similar to real charities in order to trick you. And during times of need, such as pandemics and natural disasters, they are even more active.

Before you give money to a charity, make sure you’re doing the proper research to ensure your donations are going to the right place. Websites like CharityWatch and SmartGiving seek to give you information on avoiding scams and point out the red flags. For example, most real charities will accept credit cards or checks, because they’re safe and easy. Any charity that will only accept wire transfer or cash should be immediately suspect.