The pandemic we are dealing with doesn’t always bring out the best in human nature. Such times are when scammers are more apt to take advantage of people. Many people are feeling anxious and helpless. Add economic issues and it’s clearly a recipe for depression and uncertainty.
Most small business owners have heard of PPP (Payroll Protection Program) loans. These are to help businesses stay alive and keep people employed during this pandemic. There are incredible numbers of scams involving PPP loans.
Most scams come through email. They also happen over the phone. Unbelievably, calls and email are great mediums for scammers. Emails trick people into loading viruses onto their computers. Both manipulate people into volunteering personal information! The result is identity fraud and/or account thefts.
Internet and telephone scams have one important factor in common: instill a sense of urgency in the mark. If the scammer can make you think you need to act on this right away, you probably will.
I suggest you:
1) Deal with bankers/lenders at respected institutions you actually know. Use the drive-through window if you must to set up an appointment.
2) Call your banker/lender if you get an email or phone call offering their help with the PPP loan – even if the email or phone call appears to be from a legitimate source.
3) Understand that emails and phone numbers can be spoofed – made to look like they’re from a legitimate source.
Be cautious and you won’t have to regret the unimaginable headaches that those who have suffered identity theft and other losses have experienced.
Most of the articles I submit are to help the average web user or website owner learn a few web related tidbits. This one is geared toward web developers.
The scam asks about doing web development and whether it can be paid via credit card. It lets you know right away that they have a good budget to make the site. They also tell you they want it to be like a particular other site that you can check out to see what the project will entail.
Then the scam is presented – the scammer needs a favor. When you write back and ask what that favor is, here is a verbatim response I received:
“The favor i need from you is. i would give you my card info’s to charge for $7,700 plus credit card company charges, so $2,000 would be a down payment for my website design and the remaining $5,500 you would help me send it to the project consultant that has the text content and the logo for my website so once he has the $5,500 he would send the text content and logo needed for my website to you also the funds would be sent to him via Instant Transfer or Cashier Check into his account, sending of funds would be after funds clears into your account And also $200tip for your stress So i will be looking forward to read back from you. Thanks”
Then I indicate my credit card company doesn’t allow such transactions. I never hear from them again…
Most scams are built upon the greediness of the mark – purposely using poor grammar and presenting what looks like it’ll be a easy way to make some quick cash. That’s how they trick you out of your money. We all know the old saying: If it sounds too good to be true, it probably is.
COVID-19 is dictating much of how we live our lives at this point. Most of us understand we are on the virus’s schedule – not ours. COVID-19 has dramatically changed lives in most communities.
Many attempt to work from home. Some are more fortunate as their work may be more conducive to this. Others can’t and must simply remain home to slow the spread of the disease.
Hopefully some of this info will increase your coping with remote working. I’ve worked remotely on occasion since starting my business in 1998. If there’s a way to get it done I’ve pretty much figured it out. Of course, this isn’t an exhaustive list and is mostly common sense:
– You gain your travel time. The importance of this increases with the distance you had to travel to work.
– Travel to work expenses disappear. Gone is the commute wear and tear on your vehicle. Your gasoline cost goes down.
– Driving risks go away. No worrying about being in a hurry and getting a speeding ticket or worse yet having a fender bender. So your car insurance premiums aren’t at risk of going up.
– Internet service can be slow. During high Internet usage times there can be traffic bottlenecks similar to what happens on the roads. Most people have what’s called asymmetric access to the Internet. In a nutshell this means that information sent from your Internet connection goes away from your device much, much slower than the speed at which it arrives. In techie terms this means your upload is much faster than your download. An example of this is when you type a character on your keyboard and you can see the delay of it appearing on your screen. Add to that the fact that cable Internet service is affected by the number of people online. DSL service is affected by how far away from a connection point you are. Wireless service is even more susceptible to both factors.
– Self-starters do better. Most of us in business for ourselves understand this. We are used to being out on that limb keeping our businesses happening. We understand that working by oneself can take a great deal of focus. It is very easy to become distracted and lose focus. You may need to write out a schedule yourself. It is important that you start work on time and always perform as though you were in an office where others can observe you. Putting on that show for you is every bit as important as putting it on for the boss. And you’ll feel better for it.
– Home computers and laptops can be slow. In the office there may be better machines with more horsepower so to speak to get work done than a machine you are using at home. Be cognizant of things like the number of windows open in browsers, how many programs you have open, and so on. Sometimes spending the additional moments to open and close programs can result in far more productivity and less frustration over the course of a day.
Suggestions for improved productivity
– Separate functions among devices. Let’s say you are connecting to a remote computer. Running Internet based programs from the company workstation uses the Internet connection that the company is physically connected to. Many companies have what’s called symmetric access to the Internet which is faster and considerably more expensive than your home asymmetric service. In techie terms this just means your upload is the same as your download speed. If you have a good data plan on your phone then using your phone separately to look things up on Google or visit sites you need to will help keep your desktop running more smoothly. This is a way of performing what’s called “load balancing” to spread out use across different connections to keep everything running reasonably well.
– Get up and walk around. Not only will you feel a little better but it actually helps to be more productive. If you have multiple bathrooms in your home use the furthest one. It especially feels good for your eyes to look away from the screen on a regular basis.
Setting up your remote services is beyond our scope. However, we can help by referring you to local professionals who do exactly that sort of thing. Feel free to call us at 603-924-9867 and we’ll find a good, reliable local fit for you.
With a little determination, willpower and focus we will all get through this thing. The important piece of this right now is to not overburden our medical systems. Go to https://www.coronavirus.gov for the latest coronavirus (COVID-19) information.
Most of us think “hit and run” refers to a car accident. We’ve been using that phrase in the web world since starting this business in 1998.
Most of our web clients have been victimized by website hit and runs. That’s where a web developer hits you up for the cost of building your website and – if you’re lucky enough to have them complete the project – they run.
The main reason is because that initial developer really doesn’t have a robust grasp of the website development field. They stop being responsive to you because they simply don’t know how to modify or alter their work. This usually happens because they used quick templates that they simply don’t know how to adjust or modify.
In most cases I’ve seen, these so-called web developers are part timers doing a little web work on the side. They may provide what seems like a fantastic deal at the time – but leave you high and dry when the time comes that you need changes made to your website.
Although there are no guarantees you’ll never experience this – there are a few things you can check on. First of all see if they are a legitimate business. You can check this and other factors at https://cwcorner.com and in the upper right corner hit the magnifying glass and type “legitimate” and hit enter.
Don’t be the victim of a hit and run – you can minimize it happening to you by checking the potential web developer out before getting involved with them.
In the web world, copyrights and trademarks can get business owners in hot water. Many experienced web developers have an awareness of when legal assistance may be required to resolve such issues.
While I am not an attorney, I can say with a fair degree of certainty what items are safe to use on one’s website.
First and foremost are graphics that you create yourself or have created for you by someone you hire to produce them. However, an exception to that is if the graphic created is similar enough to a copyrighted work to create confusion to the viewer.
Next are photographs. Usually using your own photographs is pretty safe. Photos not taken by you is always risky unless you have permission to do so.
There are various sources on the Internet for pictures and graphics that allow unlicensed or licensed use – otherwise “free to use” graphics or photos. Pixabay.com is one example. It has many items that can be used covering many topics, classifications and so forth.
I recommend you use an experienced, seasoned web developer. A general familiarity with trademark and copyright issues is more apt to be found by using a seasoned website developer. When in doubt, as a business owner you should consult a trademark or copyright attorney.