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IRS eSign Compliance

Our click-to-sign has four levels of authentication.

Authenticate by email address, IP address, and digital signature of the device (default)

Authenticate by email address, SMS cell phone text code, IP address, and digital signature of the device

Authenticate by email address, Correct Question & Answer, IP address, and digital signature of the device

KBA, Knowledge-based authentication, Equifax, $2.75 per successful request and $0.75 per failed request. The signer must answer three questions based on the credit report.

The sender can configure 2. threw 4. during the setup for the document’s signers by editing the signer’s settings.

OneSpan certifications

https://www.icfiles.net/esign/

From the IRS

Below Green meets 1. default above

Blow Bold Green meets 2. To 4. above

Are taxpayers required to sign Forms 8878 or 8879 electronically?

No. Taxpayers may continue to use a handwritten signature and return the form to the ERO in person via U.S. mail, private delivery, fax, email, or an Internet website.

What e-signature methods are available?

The software the ERO chooses to use dictates the e-signature method used to sign the form. Regardless of the method used, the electronic record must be tamper-proof once it is e-signed. Some examples of methods used to capture an e-signature include:

A handwritten signature captured on an e-signature pad;

A handwritten signature, mark, or command input on a display screen using a stylus device;

A digitized image of a handwritten signature that is attached to an electronic record;

A typed name;

A shared secret such as a PIN, password, or secret code, is used to sign the electronic record;

A digital signature; or

A mark was captured as a graphic.

What are the ERO’s responsibilities concerning e-signature?

If the taxpayer uses the e-signature option, the ERO must use software that includes identity verification. The software must record the following data:

Digital image of the signed form;

Date and time of the signature;

Taxpayer’s computer IP address (remote transaction only);

Taxpayer’s login identification — user name (remote transaction only); ICFiles user is the signer

Results of the identity verification check to validate that the taxpayer’s ID verification was successful; and

The e-signature method was used to sign the record.

The ERO is also responsible for maintaining a tamper-proof record in a secure, access-controlled storage system for three years from the due date of the return or 3 years from the IRS return receipt date, whichever is later. ERO’s must be able to retrieve and reproduce legible hard copies of the signed form.

https://www.irs.gov/e-file-providers/frequently-asked-questions-for-irs-efile-signature-authorization

Your state or local government might have different requirements.

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Affordable Lunches for Kids Learning at Home

Due to the uncertainty of COVID-19, many schools across America have transitioned to at-home learning. This alone presents a whole new set of challenges for parents, not the least of which is figuring out what to feed your kids for lunch – every single day of the week. While peanut butter and jelly is a reliable standby, here are some cheap, easy alternatives you can whip up in no time.

English Muffin Pizza

Grab some English muffins and top them with pizza sauce or marinara. Either one will work. (Hint: use the store brand because it’s comparable and usually costs less.) If you like, you can even add shredded cheese. Put them in a toaster oven and bake. Now comes the fun part: create a face. Use olives for the nose and eyes. Cut up yellow, red, and green peppers into thin slices to form a mouth and eyebrows. For the extra peppers, use ranch dressing for dipping. This one is fun and healthy!

Lunchables Knockoff

Pre-packaged meals generally cost more. So why not create your own version of this lunch-time favorite and save some money? Buy round, butter crackers with ridges on the edge (like Ritz, but buy the store brand); round, sliced lunch meat; and small, sliced squares of cheese. Place each in the spaces in a plastic divided container. Cut up some fruit (apples, pears, anything you like) and serve. If natural sugar isn’t enough for your little ones, throw in a cookie.

Pita Pockets

You can stuff these full of anything you like. Making tuna salad for a filler is always delish but takes a bit of prep, so for time’s sake, add lunch meat. After that, add lettuce and anything else your child likes. Maybe some tomatoes or cucumbers, then add a condiment, mustard, or mayo. For a side, choose local, seasonal produce. It’s always cheaper than out-of-season choices.

Meat-Free Lunch

Purchasing meat can get expensive, so why not go veggie for a few days? Your DIY lunch kit might include cheese cubes, crackers, cherry (or grape) tomatoes, and green or purple grapes. If you get inspired, cut up apples and bananas into bite-sized portions. Throwing in some nuts for a little extra crunch is always a good idea, too. If you want to make these meals a regular thing, buy reusable, compartmentalized containers like EasyLunchBoxes, affordably priced at $14 for four. You can also buy them on Amazon. Carve out some time on a Saturday afternoon and make these in bulk to save time during your busy week. You might even ask the kids to help!

Ants on a Log

Cut up some celery (the logs). Fill with peanut butter, then sprinkle raisins on top (the ants). Serve with cheese cubes, graham crackers, yogurt, and/or fresh fruit. Kids love this one, especially because of the funny name.

Pancake Lunch

Everyone loves Saturday morning pancakes, so why not serve them for lunch, too? Here’s a thought: prepare a double batch of pancakes, plus bacon and fresh fruit on the weekend; then save half for Monday and pop them in the microwave. This way, you won’t have to prepare them twice. Don’t forget the syrup!

Cottage Cheese and Fruit

This lunch might well be the quickest of all to make. Place two scoops of cottage cheese in a leak-proof container, then add some canned fruit such as peaches, pineapple or mandarin oranges. Crackers (graham or saltines) with a little vat of peanut butter for dipping completes this easy, peasy meal.

We hope that these cost-saving lunches help save time and worry. With all that’s going on, you’ve got enough on your plate!

Sources

https://blog.cheapism.com/easy-school-lunches-14435/#slide=8

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Avoid Wasting Money on Digital Marketing with These Tips

In last month’s article titled “How to Make the Most of Digital Marketing,” we examined how digital marketing can help your business grow. Unfortunately, this involves more than waving a magic wand. You can either choose to do it yourself or hire an agency to do it for you. Either way, if it’s not well done, you could end up wasting a lot of money with no return on your investment.

Indeed, any business will want to implement a system that promises to grow revenue. But the biggest mistake is to dive into a scheme that you don’t understand well. Understanding the potential of digital marketing and how you can deploy it effectively will significantly help meet your revenue goals.

Tips to Avoid Losing Money in Digital Marketing

Here are some tips to help you effectively target your audience and eliminate wasteful spending in your digital marketing efforts:

Create a Strategy A digital marketing strategy serves as a guide to what you should and shouldn’t do. Invest in marketing that is in line with your mission and goals. And then be ready to make improvements and adjustments because the digital market is always changing.

Understand Different Platforms Each platform has its strengths and weaknesses, whether you’re looking at LinkedIn, Facebook, Google ads, etc.

Use Good Content People will easily trust the content that is engaging and adds value in some way. No matter the quality of your product or service, terrible content will cause you to lose potential customers. Always remember your content is a direct reflection of your brand.

Ads When you run ads, they will be displayed when there are searches on the internet relating to what you have advertised. This costs money. To avoid paying on unnecessary clicks or views that don’t convert to leads, run targeted ads. You can also use negative keywords, geo-targeting, or influencers. Keep in mind that any platform offering paid promotion options has as its default to spend your budget as fast as possible (they are in business, too).

Track Your Results Track your results on a daily, weekly, or monthly basis. This is the best way to know if you are wasting money. Measure and track your campaigns to understand how much you are making off any campaign. For every single $1 spent, if you are not making any returns you need to rethink your strategies. Note that it could take 60 to 90 days to get enough data for proper analysis.

Avoid Buying Fake Followers This is simply a bad idea because you will get little or no return on your investment. The fake accounts will be inactive, and hence no engagement or sales.

Test Carry out A/B testing for anything you want to put out there to your target audience. Be it content, emails, newsletters, social media posts, campaigns or ads, testing will save you from marketing with low or no returns.

Add a Call to Action What do you want an interested reader or viewer to do: make a call; fill out a form; subscribe; make a purchase; or visit a website?

Don’t Ignore Existing Customers Approximately 40 percent of business revenue is from returning customers. Specifically target this group with offers, new products or services, or just wishing them well on holidays.

Don’t Hire Bad Marketing Consultants Finally, you might decide to outsource the marketing if your business doesn’t have employees with the necessary skills, or if it’s overwhelming for your staff. Whatever the reason, don’t make the mistake of hiring bad consultants.

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Space Weather Forecasting, New Safety and Transparency Reporting Guidelines, Paying to Charge Federal Electric Vehicles, and a Plan to Celebrate Route 66

PROSWIFT Act (S 881) – This Act was sponsored by Sen. Gary Peters (D-MI) on March 26, 2019. The legislation is designed to improve understanding and forecasting of weather events in space. The bill details provisions designed to improve the ability of the United States to both forecast and mitigate the effects of space weather. The bill designates the National Science and Technology Council’s Space Weather Operations, Research, and Mitigation Working Group as the authority to direct other agency initiatives. The bill establishes a pilot program to enable the National Oceanic and Atmospheric Administration (NOAA) to enter into contracts with the commercial sector to provide space weather data, in adherence to certain standards. The bill passed in the Senate in July and in the House in September, and is currently waiting to be enacted by the President.

CHARGE Act (S 2193) – This bill requires the General Services Administration to issue a charge card to federal agencies in order to pay for charging up federal electric motor vehicles at commercial charging stations. The bill was introduced by Sen. Gary Peters (D-MI) on July 19, 2019. It was passed in the Senate in November 2019 and in the House on Sept. 14, 2020. It is currently awaiting signature by the President.

PIPES Act of 2020 (S 2299) – This bill would amend title 49 of the United States Code to enhance the safety and reliability of pipeline transportation. It was introduced by Sen. Deb Fischer (R-NE) on July 25, 2019, passed in the Senate on Aug. 6, 2020. It is currently in the House for consideration. This bill would fund appropriations through the fiscal year 2023 to address pipeline safety and infrastructure as authorized under the Pipeline Safety Improvement Act of 2002.

Microloan Transparency and Accountability Act of 2020 (HR 6078) – Introduced by Rep. Tim Burchett (R-TN) on March 4, this legislation modifies disbursement and reporting protocols for certain financial assistance by the Small Business Administration (SBA). Specifically, the bill establishes a technical assistance grant of 5 percent for intermediaries who issue 25 percent of their loans to rural small businesses. The legislation also requires the SBA to report, among other metrics, the number, amount, and percentage of such loans that went into default in the previous year; the number of microloans issued to small businesses in rural areas; and the average size, rate of interest and amount of fees charged for each microloan. This bill passed in the House on Sept. 14 and is in the Senate for consideration.

Congressional Budget Justification Transparency Act of 2020 (HR 4894) – Rep. Mike Quigley (D-IL) introduced this legislation on Oct. 29, 2019. The bill would require the Office of Management and Budget to make many of the budget justification materials submitted to Congress also available to the public. The legislation passed in the House on Sept. 14 and is now in the Senate for consideration.

Route 66 Centennial Commission Act (S 1014) – This bill was introduced by Sen. Tammy Duckworth (D-IL) on April 3, 2019. It establishes a Route 66 Centennial Commission and specifies the duties of the commission, including membership, powers, reporting requirements, and a termination date of no later than June 30, 2027. The intent is to honor U.S. Route 66 on the occasion of its centennial anniversary in 2026. This bill passed in the Senate on Aug. 10 and goes to the House next for consideration. A similar bill (HR 66: Route 66 Centennial Commission Act) was introduced by Rep. Rodney Davis (R-IL) and passed in the House in February 2019, giving the current Senate bill a high probability of making it into law.

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Five Ways to Manage Back-to-School Stress

If you’re anxious about sending your children back to school, you’re not alone. In fact, a recent poll from ABC News/Ipsos showed that 45 percent of parents don’t want their kids in the classroom at all. But whether your kids are in school or learning at home, there’s still plenty of worry to go around. How do you cope? Here are a few suggestions from a variety of counselors and mental health professionals that can help.

Express Your Feelings

Noticing the anxiety that’s going on inside is half the battle – then let it out. “I would encourage parents to share this feeling with their partners or other family and friends,” says Michael Consuelos, MD, a senior medical advisor with the mental health management platform NeuroFlow in Philadelphia. Simply releasing what you’re feeling can often take the power of it.

Teach Your Kids How to Navigate

This starts with talking to your kids about what social distancing is, what it looks like, and how to wash their hands thoroughly. Fran Walfish, PsyD, MFT, and a family and relationship psychotherapist in Beverly Hills, Calif., suggests making up real-life situations and getting your kids to “think in advance about what they would say or do to protect themselves while preserving a friendship.” For instance, a friend of your son stands too close to him and asks to borrow a ruler. How should he react? Or your daughter is eating lunch and a friend reaches in and takes a few chips from her Doritos bag. What should she do? You can probably come up with many other scenarios that help your kids figure out the best options for keeping safe.

Have Honest Conversations

Kathleen Rivera, MD, a psychiatrist who specializes in children and adolescents at Nuvance Health in Danbury, Conn., strongly suggests talking with your kids about the situation, no matter how young they are, and asking them how they’re feeling about the changes in their school environment. What things about school do you miss the most? How is this new learning set-up working for you? What are things you don’t miss about school? Claudia Kohner, Ph.D., a licensed psychologist and creator of IntroDUCKtion to Very, Very Big Feelings app, says that if you have very young children, give them some colored pencils and a coloring book. Sit down with them and help them create a homemade book that describes the changes in their school setting and reflects their feelings that go along with it. Encouraging imaginative play with dolls and stuffed animals is also a great way to help your kids express what they’re going through.

Practice Self-Care

In these uncertain times, it’s more important than ever to be kind to yourself – and not judge yourself for failing to cross everything off your to-do list. “You don’t have to do it all,” says Elizabeth Derickson, MSW, LCSW, RPT, a therapist with online therapy provider Talkspace. This is her No. 1 piece of advice for parents who are dealing with back-to-school anxiety. She suggests setting up realistic expectations and acknowledging that there will be both good days and bad days, and allowing yourself “to learn from the bad days, move on and rock those good days.”

Embrace Change

In a few months, the landscape of your life might look radically different than it does today. That’s why being able to adapt to whatever new circumstance presents itself is key. According to Dr. Rivera, “Flexibility is the most important thing in this whole process.” Knowing you have every right to reverse your decisions is OK – and empowering.

Despite the seemingly never-ending stream of worries that inevitably crop up in our new abnormal, remember: the most constant thing in life is change. Things will get better.

Sources

https://www.realsimple.com/health/mind-mood/stress/manage-back-to-school-stress-coronavirus

https://www.ipsos.com/sites/default/files/ct/news/documents/2020-06/topline-abc-coronavirus-wave-12.pdf

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How to Make the Most of Digital Marketing

Digital marketing is not a new phenomenon. However, new realities imposed by the COVID-19 pandemic have highlighted the importance of digital marketing for businesses. Basically, digital marketing revolves around using digital channels to advertise. Such channels include mobile devices, search engines, social media, websites, email, and others to help reach consumers. The purpose is to create a relationship with potential online customers to influence their buying decisions.

Why Digital Marketing

For starters, with digital marketing, you are able to personalize your marketing and target your ideal audience. It offers the ability to target an audience based on location, age, preference, and other specific details that define the intended consumer of your product or service. In the end, you don’t waste money on audiences that might not even buy your product or service.

With the availability of artificial intelligence, it’s easy to identify trends, carry out competitor research, and accumulate data that aid quick decision making. This kind of marketing is data-led. Considering that five to 10 hours of a person’s day is spent on the internet, this creates an opportunity to familiarize consumers with your brand and create relationships that lead to sales.

What’s more, chatbots are available on business websites or social media accounts to answer customer questions even when the business is closed. This means a customer visiting your page does not leave without some information that could help in their purchasing decision.

In addition to being able to expand your reach at a lower cost, your business can enhance brand loyalty by maintaining personal contact with clients even after making sales.

The best part of digital marketing is the ability to track the results of your marketing in real-time.

How This Can Help Grow Your Business

First, digital marketing gives all businesses a fair share of the market. Today, a business can connect with customers cheaply over posts on social media.

What this means is that a business can instantly communicate with customers to inform them of their products or services and get instant feedback.

Don’t ignore the fact that people today get information from the internet. A lot of purchase decisions start with an online search. A potential customer expects to find information regarding your products on a website, social media, or from reviews by other users.

Customers also want to determine if your business and products are a good fit for their needs.

In the event that they cannot locate your business, you will lose a potential client to a competitor.

A good online presence can help potential clients find you and possibly even become customers.

How to Get the Best of Digital Marketing

The good thing about digital marketing is that it will exist as long as people are using technology. The trick is to use strategies that help you stay ahead of the competition.

Digital marketing has been proven to be the best strategy to acquire new customers as well as maintain a relationship with existing customers.

One of the hard and fast rules about digital marketing is that no one strategy fits all businesses. Digital marketing is constantly changing – meaning that businesses have to make frequent changes to their strategies.

In order to stay ahead of the competition, you can take advantage of referral traffic as it gives credibility to your brand. This is possible by connecting with industry leaders in your niche.

You can’t afford to ignore analytics. Analytics help you discover what is working and what is not working.

Use high-quality content to draw the interest of potential customers. Sacrificing quality for volume can cost you potential leads.

Select social media platforms where your potential customers are likely to be. Understanding your target market will help you reduce the time and cost spent on digital marketing, as you will be able to follow your clients where they hang out.

Digital Marketing is the Way to Go

As long as the internet continues to grow, businesses have little choice but to get involved in digital marketing. Gone are the days when social media was considered merely a place to pass the time.

For some business owners, it might be challenging to know where and how to start, considering that digital marketing is quite an extensive field. The most important thing is to establish a goal for what you want to achieve. If not well done, it can cost your business a lot of unnecessary expense.

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Laws to Enhance Benefits for Service Members, First Responders, Veterans and to Restore National Parks and Public Lands

A bill to amend the Servicemembers Civil Relief Act to extend lease protections for servicemembers under stop movement orders in response to a local, national, or global emergency, and for other purposes (S 3637) – This bill extends the Servicemembers Civil Relief Act to protect service members who were previously issued orders to change duty stations but had those orders rescinded because of the pandemic. A stop movement order may leave them with a housing and/or car lease in two different locations. This extension allows families who are unable to relocate due to pandemic-related travel restrictions to be released without penalty from their leases. It is retroactive to March 1, 2020. The bill was introduced by Sen. Jon Tester (D-MT) on May 6. It was passed by the Senate in June, the House in July, and was signed by the President on Aug. 14.

Safeguarding America’s First Responders Act of 2020 (S 3607) – This bill was introduced by Sen. Chuck Grassley (R-IA) on May 5. The bill extends death and disability benefits under the Public Safety Officers’ Benefits Program (PSOB) to public safety officers (e.g., law enforcement officers) and survivors of public safety officers who die or become injured as a result of COVID-19. The bill classifies COVID-19 or related complications suffered by a public safety officer as a personal injury sustained in the line of duty. The Act was passed in the Senate in May and in the House in July. It was signed into law on Aug. 14.

Veteran Treatment Court Coordination Act of 2019 (HR 886) – Introduced by Rep. Charlie Christ (D-FL) on Jan. 30, 2019, this legislation directs the Department of Justice to establish a Veterans Treatment Court Program to provide grants and technical assistance for state, local and tribal governments to develop and maintain veterans’ treatment courts. Treatment courts are designed to assist justice-involved vets with treatment needs such as substance abuse, mental health, and other issues unique to active service. The Act was enacted after being signed by the President on Aug. 8.

Ryan Kules and Paul Benne Specially Adaptive Housing Improvement Act of 2019 (HR 3504) – This bill is designed to amend Title 38 of the United States Code that provides for improvements to the specially adapted housing and educational assistance programs of the Department of Veterans Affairs. It is designed to help eligible disabled veterans purchase adaptive homes or upgrade existing homes to meet their specific needs for daily living activities. The bill was introduced by Rep. Gus Bilirakis (R-FL) on June 26, 2019. It was passed in the House in July 2019; in the Senate in March 2020, and was signed into law by the President on Aug. 8.

Great American Outdoors Act (HR 1957) – This Act was initially sponsored by Rep. John Lewis (D-GA) on March 28, 2019. This legislation establishes the National Parks and Public Land Legacy Restoration Fund, which is designed to support deferred maintenance projects on federal lands for fiscal years 2021 to 2025. The bill makes funding for the Land and Water Conservation Fund permanent and allocates money equal to 50 percent of energy development revenues from oil, gas, coal, or alternative or renewable energy development on federal lands and waters. The bill establishes reporting procedures for all associated projects and mandates that deposited amounts must not exceed $1.9 billion for any fiscal year. The bill was signed into law by the President on Aug. 4.

Commission on the Social Status of Black Men and Boys Act (S 2163) – Sen. Marco Rubio (R-FL) introduced this legislation on July 18, 2019. It is designed to establish a Commission on the Social Status of Black Men and Boys within the U.S. Commission on Civil Rights Office to conduct a systematic study of the conditions affecting black men and boys. The Act was passed by the Senate in June, the House in July, and was signed into law by the President on Aug. 14.

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Help for People Struggling to Pay Bills

The impact of COVID-19 has caused many Americans to suffer hardships, one of which is struggling to make ends meet. But take heart; there are solutions. Here are a few areas in which creditors are working with people to alleviate some of the stress.

Mortgages

Fortunately, the Coronavirus Aid, Relief, and Economic Security Act, allows for mortgage forbearance, which if you’re financially compromised because of COVID-19, you can temporarily suspend payments. Also, the Federal Housing Finance Agency is allowing mortgage servicers to permit homeowners to delay payments if the notes are backed federally or by a Government Sponsored Enterprise, which includes Fannie Mae or Freddie Mac, FHA, VA or USDA. If you don’t know who services your loan, you can check Mortgage Electronic Registration Systems. If your mortgage isn’t federally backed, ask your lender about your options. If you need more help, contact a Housing and Urban Development approved housing counselor or local legal aid organizations.

Rent

The good news here! The CARES Act also includes a 120-day moratorium on evictions if you rent from a landlord who has a federally backed mortgage. If your landlord doesn’t fall into this category, contact them immediately. If you have any assets to sell, that’s an option. Hop on eBay or Craig’s List. If you have a 401(k), the IRS allows you to make an early hardship withdrawal. When all else fails, contact Just Shelter, an organization that advocates for affordable housing.

Student Loans

More good news! The Department of Education is granting students a payment waiver for at least 60 days with zero percent interest. But you have to do some legwork; it’s not automatic. Call your loan servicers to make sure your loan is eligible. This exception doesn’t apply to private student loans. However, Sallie Mae, one large private lender, said it’s offering suspension of payment for up to three months. Get in touch as soon as possible with whoever holds your loan to start the conversation.

Utility Bills

Some utility providers are refraining from cutting off services for nonpayment, which is a relief. Also, quite a few Internet companies like AT&T and Charter Communications have agreed not to end service for residential or small-business customers who can’t pay their bills. To find out the details and policies from your providers, check their website or call.

Credit Cards

Major credit card issuers are offering relief to customers who’ve been affected by COVID-19. American Express, for example, is providing assistance through its financial hardship program. But beware of scammers who send out fake emails from said creditors about the virus; they’re trying to steal your personal and financial information and/or infect your computer with malware. If you have doubts about any communication you receive from your financial institution, email, or call. Don’t take any chances.

Right now, life might feel overwhelming. But know this: we’re all in this together. And the upside is that many companies are stepping up to lend a hand.

Sources

https://www.cnn.com/2020/04/16/success/cant-pay-rent-bills-help-coronavirus/index.html

https://www.nytimes.com/interactive/2020/world/coronavirus-tips-advice.html#money

https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/mortgage-relief/

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Robotics Carves Out Niche in Various Businesses

Away from the movies, robots are becoming a reality in everyday life.

Robots have played a major role in manufacturing industries to perform basic tasks that are either dangerous or laborious for humans. As technology becomes relatively cheaper – through the availability of components such as processors, sensors, batteries and cameras – robots are now making an entrance in industries apart from manufacturing, such as in marketing, inventory, telecommunications and entertainment.

Why Robotics in Business?

To avoid confusion, it’s important to mention at this point that robotics often refers to software configured to carry out tasks done by humans, so it’s not always about physical robots.

Businesses are under endless pressure to be more efficient and reduce costs. As a result, many are turning to robotic process automation (RPA) to take up repetitive and routine tasks that don’t require frequent updates. RPA has been useful to take care of things such as call center operations, help desks, customer service chatbots, expense management, data entry, onboarding employees and scheduling systems, among other tasks that are repetitive, rule-based and structured.

This is important for businesses as it frees employees from mundane tasks so they can focus on high-value work.

The unexpected COVID-19 pandemic cannot be ignored as an accelerator for robotics in the business environment. Consider businesses such as restaurants, retail stores and all others seeking alternatives that will withstand disruptions and at the same time are durable and adhere to hygienic operations.

An Exciting Yet Worrying Phenomena to Some

Many people accept the use of intelligent systems and small robots such as robotic vacuum cleaners. But when it comes to the workplace, employees often don’t accept such systems as they are considered threats to their jobs. However, there is little difference between the robot used for household aid and the intelligent production system.

Financial institutions have been on the frontline in implementing robotic process automation. This has enabled them to automate and build platforms for front office, back office and support functions. For a business, this means reduced costs while achieving efficiency and accuracy.

Another interesting concept is: robot as a service (RaaS). This is aimed at enabling small- and medium-sized businesses to enjoy the benefits of robotic process automation when they lease the services of a robot rather than incur the cost of purchasing one and handling maintenance for the system. It also helps businesses experiment with different robotic solutions.

With such innovations, businesses have no option but to adapt to the technological advances. As a matter of fact, the possibility of robots taking up full process tasks is feasible with big names such as Bill Gates voicing support for a robot tax (a levy on work done by robots in a bid to replace tax that collected from work done by humans).

Be Prepared

So how do businesses handle this trend? Both employees and employers have no option but to be prepared. For an employer considering robotics, this should be done gradually with clear guidelines that the systems are only to assist and not replace the employees. At the same time, employees should be involved in the early stages of developing the new systems so they get accustomed to the format and avoid later resistance.

As businesses seek to improve their processes, employees should be ready to learn new skills as some duties are replaced by robots. It also goes way back to the education system, where students should be encouraged to take up subjects that will help enhance their digital competence. It will also prepare them for new job structures.

A Word of Caution

RPA has enabled business processes to evolve. Its results provide better accuracy, lower cost, efficiency and high productivity. However, entrepreneurs should not rush to implement the robotic process automation without proper research. Although it is praised to reduce labor costs and other benefits already mentioned, the implementation – if not well done – will fail.

A big mistake would be to assume that the installation of robotic systems is easy. This is especially true when a business concentrates on ROI rather than solving actual problems.

Robotics for businesses involves time, cost and complexity. It is not about moving processes into RPA as they are; only with lean techniques can this be successful.

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Relief and Funding for Human Rights, Emergency Aid, Cash-Flow Assistance and New Infrastructure Projects

Law Enforcement Suicide Data Collection Act (S 2746) – This bill authorizes the establishment of a new Law Enforcement Officers Suicide Data Collection Program to be administered by the FBI. The program will gather data related to suicides and attempted suicides of current and former officers, as well as the wrongful detainment of U.S. nationals abroad. The purpose of the Act is to help understand and prevent law enforcement suicides. The bill was introduced by Sen. Catherine Cortez Masto (D-NV) on Oct. 30, 2019. It was passed by the House and the Senate in May and was signed into law on June 16.

Uyghur Human Rights Policy Act of 2020 (S 2744) – Sen. Marco Rubio (R-FL) introduced this legislation on May 14 as a means to condemn human rights violations of ethnic Turkic Muslims in Xinjiang. The bill calls for an end to the arbitrary detention, torture and harassment of these communities inside and outside of China. The Act was passed by both the Senate and the House in May and was signed into law by the president on June 17.

Hong Kong Autonomy Act (HR 7440) – Introduced by Rep. Brad Sherman (D-CA) on July 1, this legislation authorizes the president to sanction foreign individuals, entities and financial institutions that materially contribute to China’s failure to preserve Hong Kong’s autonomy in response to a written report to be submitted by the State Department each year. While the bill also gives the president the authority to waive or terminate sanctions, it permits Congress to override such an action by passing a joint resolution of disapproval. The Act was unanimously passed in Congress and signed into law by the president on July 14.

Emergency Aid for Returning Americans Affected by Coronavirus Act (S 4091) – This bill was introduced by Sen. Chuck Grassley (R-IA) to amend section 1113 of the Social Security Act. The Act authorizes funding for fiscal year 2020 in order to increase payments for temporary assistance to U.S. citizens and their dependents who return from foreign countries due to the COVID-19 crisis and are without available resources. The legislation enables the Department of Health and Human Services to provide monetary payments and medical care on a temporary basis. The Act was introduced and passed in both the House and Senate on June 29 and signed into law on July 13.

Protecting Nonprofits from Catastrophic Cash Flow Strain Act of 2020 (S 4209) – This bill is designed to improve emergency unemployment relief for governmental entities and nonprofit organizations by amending Title IX of the Social Security Act. The bill was introduced by Sen. Tim Scott (R-SC) on July 2. It was passed in the House and in the Senate on July 9, and is currently awaiting signature by the president.

Moving Forward Act (HR 2) – On June 11, this Act was introduced by Rep. Peter Defazio (D-OR). This bill would authorize funding for federal highways, highway safety programs and transit programs. It also addresses climate change strategies to reduce weather impacts on surface transportation by conducting a vulnerability assessment and recommending ways to enhance resilience for highways, mass transit and rail. The bill would allocate a grant program to help improve the safety, state of good repair and connectivity of transportation infrastructure in rural communities. It also directs the Department of Transportation to establish a pilot program for a national motor vehicle per-mile user fee to restore and maintain the long-term solvency of the Highway Trust Fund to uphold a state of good repair for the future. The bill passed in the House on July 1 and is currently in the Senate, where it enjoys considerable bipartisan support for infrastructure projects.

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Best Part-Time Jobs During Corona

Even though unemployment is still relatively high, there are still some great part-time jobs you can do that will help cover basic expenses. Here’s a list of the industries that are hiring right now:

Paid Survey Participant

If you like to share your opinions (and who doesn’t), this job is perfect for you. Companies are always looking for consumer opinions on a variety of things such as products, services, etc. Best of all, it’s completely online, so you can work from anywhere. Here’s a list of companies that are looking for your feedback: Swagbucks, PrizeRebel, SurveyJunkie, SurveyPolice, Inbox Dollars, and Toluna. Grab your laptop, kick back, and start earning!

Freelance Writers

If you’re a writer of any kind, this industry is really taking off right now. All you need is impeccable grammar and the ability to put together clear sentences. While having prior experience is always good, some companies might require candidates to have a bachelor’s degree in journalism, creative writing, or a related field like communications. Here are some sites for freelance writers to check out: Fiverr, Upwork, Freelancer, and PeoplePerHour.

E-Commerce

This is easier to pull off than you might think. While you need an initial investment, the cost of opening an online store is low – and it’s perfect for the entrepreneur or artist. Are you a life coach? Can you help college seniors write resumes? Do you make hand-poured candles? Really, anything can become an online business and this sector will only continue to grow as the pandemic prevents in-store purchases. Some sites to help you get started include Big Commerce, Shopify, and LinkedIn Learning.

Web Designers/Developers

If you have design or development experience, then you can make money online with this part-time gig. In addition to design, other skills you need include knowing how to create layouts and how to code. Knowledge of graphic design software and consumer recognition is necessary, as well as understanding the users, aka “personas,” of the audience. If you don’t know how to code, there are online classes you can take at Coursera, Pluralsight, and FreeCodeMap. What better time to pick up a new skill that can help you earn a living?

Delivery Jobs

Since many people are still sheltering in place, supermarket fresh delivery jobs are booming. Two places to inquire are Walmart and Amazon Fresh. All you need is a driver’s license and an ID. Food industry drivers are also in high demand. Check out Postmates, Uber Eats, Grub Hub, and Door Dash. Customers pay for their meals online or over the phone. All you have to do is leave the food on the front porch; the same is true for supermarket fresh deliveries. This way, you won’t have to interact with people face-to-face. Both of these are great interim jobs until you return after a furlough and/or get full-time employment. Plus, getting out and about just might do you a world of good.

Translator

Do you speak a foreign language? If so, this industry is ripe with possibilities. Plus, you can work at home (or anywhere) online and create your own schedule. Here are a few sites to look into: Gengo, Language Line, and Verbalizelt.

With all these industries that have grown in the past few months (and will continue to grow), it seems as if there should be plenty of job opportunities to go around. However, the key to landing a part-time job is persistence. Keep on keeping on. Never give up! There’s something out waiting for you.

Sources

https://www.salary.com/passages/recommended-part-time-jobs-during-coronavirus-outbreak/2/

https://www.creativebloq.com/web-design/online-coding-courses-11513890

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Fileless Malware Poses New Threat to Computer Users

With increased cyber threats, there is great awareness of malware that comes attached in files. Individuals and businesses invest in security solutions to protect against malware. In fact, there are often company policies regarding opening attachments on emails; yet there is an increase in a type of threat (though not new), known as the fileless malware.

What is Fileless Malware?

A fileless malware attack is a type of threat that doesn’t involve executable files. Instead, these attacks include scripts that run on browsers, command prompts, Windows PowerShell, Windows Management Instrumentation, VBScripts, or Linux (Python, PERL).

In other words, fileless malware is a form of cyberattack carried out through software that already exists on your device, in your authorized protocols and in applications that you have allowed on your device.

As such, fileless malware is becoming a favorite of cybercriminals because they don’t have to look for ways to install malicious files in your device – they only need to take advantage of built-in tools.

Reported examples of fileless malware include PowerGhost, which has been used in crypto-mining and DDoS attacks.

How It Works

First, note that these attacks are termed fileless because they are not file-based; instead, they hide in computer memory.

The malware launches an attack in various ways. For instance, a malicious code is injected in an application already installed or a user clicks on a legitimate-looking link that loads a remote script.

Another scenario exists within a legitimate-looking website that a user visits; the attackers exploit vulnerabilities in the Flash plugin; and a malicious code runs in the browser memory of the user’s computer.

While file-based malware uses executable files, the fileless type hides in areas where it can’t easily be detected, such as the memory. It is then written directly to the RAM (and not the disk), where it carries out a series of events.

Once in your system, the malware piggybacks on legitimate scripts and executes malicious activities while the legitimate program runs. At this point, it performs malicious activities such as payload delivery, escalating admin privileges, and reconnaissance, among others.

Since it works in-memory (RAM), its operations end when you reboot your system. This makes it more challenging to trace attacks. The fileless malware also may work in cohorts with other attack vectors, such as ransomware.

Detection and prevention

Various security vendors claim to have products that can detect fileless threats, as well as protect endpoint systems.

Successful security solutions need to be able to put in place technologies that enable them to inspect different kinds of operating systems storage, as well as analyze in real-time the execution of patterns of processes in a system.

But even so, one thing is certain: traditional anti-malware software will not detect fileless malware because they are not file-based and they do not they leave footprints. Here are some tips that will help mitigate against fileless attacks:

Regularly update the software on your devices (especially Microsoft applications) to protect against attacks propagated through PowerShell.

Apply an integrated approach that addresses the entire full threat lifecycle. This is possible when you use a multilayered defense mechanism.

Use security solutions that can detect malicious attacks against command prompt (CMD), PowerShell, and whitelisted application scripts.

Use anti-malware tools that include machine learning, as this will limit scripts from creating new polymorphic malware within your environment.

Practice behavior monitoring to help lookout for unusual patterns.

Use memory scanning to help detect patterns of known threats.

Be on the lookout for high CPU usage by legitimate processes and suspicious error messages that appear for no clear reason.

Disable PowerShell and Windows Management Instrumentation (WMI) if you are not utilizing them.

Avoid using macros that have no digital signatures or turn off macros if not being used.

Use endpoint detection and response tools.

Final Thoughts

The cyber threat landscape keeps evolving. Every day, there are more sophisticated threats as criminals keep advancing to take on countermeasures that have been implemented.

Invest in security solutions that mitigate varying classes of threats, especially machine learning technologies. This will help protect against the latest and emerging threats. Also, keep your Windows OS and other installed software up-to-date to reduce the chances of fileless malware attacks.

Despite taking the mentioned measures, it’s important to stay informed of the latest threats and take necessary precautions.

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Helping Small Business Owners, Seniors and U.S. Hostages, and Limiting Intrusive Domestic Surveillance

Paycheck Protection Program Flexibility Act of 2020 (HR 7010) – Rep. Dean Phillips (D-MN) introduced this legislation on May 26. This Act modifies provisions related to small business loans issued under the original Paycheck Protection Program. Specifically, the bill permits forgiveness of loans used to pay expenses incurred over a 24-week period, longer than the original eight-week limit, and extends the timeframe to pay off unforgiven loans from two to five years. This bill also increases the limit on non-payroll expenses up to 40 percent when used to pay for rent, utilities, mortgage interest, and similar fixed costs. Loan recipients have until the end of 2020 to rehire employees with full access to payroll tax deferment. The bill was signed into law by the President on June 5.

Providing for Congressional Disapproval Under Chapter 8 of Title 5, United States Code, of the Rule Submitted by the Department of Education Relating to “Borrower Defense Institutional Accountability” (HJ Res 76) – This bill was introduced on Sept. 26, 2019, by Rep. Susie Lee (D-NV). In response to a September 2019 rule issued by the Department of Education (ED), this resolution sought to reverse a process that no longer allows a borrower to be discharged from a student loan if an educational institution misrepresented material facts. The new rule also requires individual borrowers to apply to ED for a defense to repayment, whereas in the past an application could be submitted on behalf of an entire group (e.g. veterans). This resolution passed in both the House and Senate but was vetoed by the President on May 29. No attempt has been made to override the veto.

USA FREEDOM Reauthorization Act of 2020 (HR 6172) – This bill would reauthorize (through November 2023) provisions related to the Foreign Intelligence and Surveillance Act (FISA). Updated provisions mandate that the FBI may not seek detailed phone records on an ongoing basis, cellular or GPS location information, or any evidence in which there is a reasonable expectation of privacy. Other mandates include certifying that the Department of Justice (DOJ) has received any information that might raise doubts about the application, and imposes additional requirements for FISA authorizations that target a U.S. person, federal elected official or candidate. The bill would increase criminal penalties for unlawful violations of FISA electronic surveillance and expands the criteria for when a FISA court decision shall be declassified. The bill was introduced by Rep. Jerrold Nadler (D-NY) on March 10. It was passed in the House in March and in the Senate, with alterations, in May. The bill was recently put on hold during its second pass in the House.

Robert Levinson Hostage Recovery and Hostage-Taking Accountability Act (S 712) – This bill addresses the wrongful detainment of U.S. nationals abroad. It authorizes the President to appoint 1.) a Special Presidential Envoy for Hostage Affairs to engage in U.S. hostage policy recovery efforts; 2.) an interagency Hostage Recovery Fusion Cell to assess and track all cases and coordinate agency efforts to safely recover hostages; 3.) a Hostage Recovery Group to develop, implement and recommend hostage recovery policies. The bill also gives the President the authority to impose visa- and property-blocking sanctions against foreign nationals responsible for or complicit in the unlawful or wrongful detention of a U.S. national abroad. The bill was introduced by Sen. Robert Menendez (D-NJ) on March 7, 2019. It was passed by the Senate on June 15 and is currently with the House.

Stop Senior Scams Act (S 149) – Sponsored by Sen. Robert Casey Jr. (D-PA), this bill establishes a Senior Scams Prevention Advisory Group to develop educational materials to help employees of retailers, financial services companies and wire transfer companies identify and prevent scams that affect seniors. It was introduced on Jan. 16, 2019, and passed in the Senate on June 10. The legislation is currently under consideration in the House.

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How to Stay Productive When Working from Home

Due to the unprecedented effects of COVID-19, the line between our professional and personal lives has blurred. Trying to take care of job responsibilities from home requires new ways of navigating. Here are a few ideas to help you become more productive while working at home – and stay grounded in these uncertain times.

Dress for Work

As tempting as it might be to stay in your pajamas, don’t. Act as if you’re going into the office: shower put on your work clothes and head to your desk. You’ll feel more focused and professional. According to Heather Yurovsky, founder of Shatter & Shine, one should not underestimate the power of putting on clothes suitable for public viewing. “It makes you feel human, confident and helps draw the line between being at home and being at work,” she says.

Create a Dedicated Space

While working from the kitchen table or couch in your living room might be more comfortable, it also might prohibit your productivity. Set up a home office. Get an extra monitor. Make sure you have a dependable internet service. In short, replicate a professional workspace as best you can; one that feels separate from the rest of your home. When your surroundings are more in line with a real office, you’ll be more motivated. Plus, you’ll be able to more easily turn on when your day begins and turn off when it’s over.

Set Up a Plan for the Kids

Even though school’s out, chances are you still have to work. Create a schedule for the kids. Carve out certain hours for activities in designated areas of the house. According to Emily Weinmann of Us Happy Four, one of the best ways to keep the little ones occupied and happy is to prepare activity stations. Another great idea is to prepare snacks the night before and put them in your office, in the fridge or in their rooms. When someone is starving, the snacks will be ready. And finally, relax screen time. When you’re stuck at home and it’s either raining or it’s scalding hot outside, you’ll be grateful for technology.

Keep Regular Hours

If you stick with regular hours, you’ll not only be able to seamlessly transition going back into the office, you’ll also be on the same schedule as your colleagues. Everyone will be working concurrently, so you’ll be more efficient, easier to reach, and productive. When lunchtime comes, leave your home office and eat in the kitchen, the patio or the backyard. Even though you’re in one place, the simple change of venue will be mentally refreshing.

Set Clear Boundaries

This is especially important if you have other humans in your home. Try your best to discourage intrusions. When you’re in a meeting, shut the door. Lock it if you have to. If your home is more open, put signs in strategic places where people frequent, like the entry to the kitchen or stairs to the basement. This way, they’ll pause and reflect on whether an interruption is really necessary.

Limit Your Intake of News

In a society that’s saturated with news at every turn, it’s tough not to get sucked into the latest tragedy. Be intentional: Turn off the TV during work hours. Don’t visit news sites when you’re at the computer or on your phone. If you feel you must have a bit of news to break up your day, tune in for a few minutes during lunch or in the evening. But even then, be judicious and limit your time. If some story sends you over the edge, turn it off and head outside for a walk. Change the channel. Put on your favorite music.

These days, we’re all doing the best we can, taking life one day at a time. Unless you already work from home or have made a decision that you’ll work from home for the rest of your life, remember that things will change.

Sources

https://www.themuse.com/advice/coronavirus-work-from-home-tips

https://www.forbes.com/sites/bryanrobinson/2020/03/14/9-tips-to-be-productive-when-working-at-home-during-covid-19/#2af81a845a38

https://www.todaysparent.com/family/family-life/working-from-home-with-kids-coronavirus/

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How IT Spending Will Change When Business Resumes

Most states are starting to relax stay-at-home restrictions. As such, businesses are developing plans for bringing employees back to work. Many businesses are already affected by the pandemic and their future looks grim. Specifically, we are going to look at the IT sector and examine what spending might look like in a post-lockdown economy.

Disruption

The COVID-19 pandemic has resulted in an unprecedented disruption in businesses. As a result, management has tried to reduce costs to survive or risk shutting down. IT departments have suffered the most with major budget cuts due to a reduction in revenue. As a result, non-urgent purchases have been eliminated; initiatives have been suspended; and employees have been terminated.

Of course, technology also has been playing a great role in supporting businesses during the pandemic, especially by enabling work at home and keeping in touch with clients. But there are expectations for major challenges when businesses get back to normal. For instance, the post-coronavirus business world expects travel restrictions, office distancing, business continuity, and pandemic regulations. As for onsite work in the office, challenges will include distributed collaboration, endpoint data protection, scalable administration, and secure access to corporate data.

It also appears that the impact will vary from industry to industry. Companies that depend on face-to-face contact are in danger of lost income and bankruptcy. At the same time, other businesses are thriving.

Consider digital marketing industries. With more businesses moving online, there will be a rise in the purchase of IT-related expenditures such as software. The entertainment sector has found solace in digital platforms, while there is an increase in the work-at-home trend.

The Future

Despite the uncertainties, some predictions can be made.

One thing that is certain is that the impact on IT spending will vary depending on the IT stack. While the infrastructure, branch networking, middleware, and enterprise apps might see a drop, areas such as communication/collaboration, cloud storage, security, and compliance will likely see an increase in spending as more people work remotely.

While the impact on the IT industry will definitely vary, we could see a lot of new innovations. Such innovations might include customer-facing and worker productivity apps. Some companies may increase spending on new innovations to help outperform their competition.

Another factor affecting IT spending is the size of a business. While big businesses may get back to normal after a few months, small businesses have to tread carefully. As such, IT spending for different-sized businesses will not be similar.

A decision to have employees continue working at home means that IT expenditures will take a different shape. While there will be less need for office equipment, there will be an increase in spending to enable offsite work.

There could also be more spending by businesses investing in continuity strategies such as more remote locations, new training in information and communications technology (ICT) and automation of processes.

This also will depend on business operations. Consider a business that had already migrated to the cloud before the COVID-19 pandemic. Such businesses did not suffer much disruption compared to those still using on-premise applications and proprietary data centers. Thus, IT spending for both types of businesses will vary in the future.

Lastly, businesses will want to invest in projects that are likely to provide a return on investment faster.

Conclusion

The disruption to businesses by the COVID-19 pandemic is like none previously encountered. One thing is certain: Things will not bounce back to the known normal. Rather, we should expect a new normal. And, as we have seen through the examination of certain IT expenditures, the success of each industry is dependent on various factors.

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In the Wake of the Coronavirus Pandemic, Congress Passes the Most Expensive Single Spending Bill in American History

Paycheck Protection Program and Health Care Enhancement Act (HR 266) – This is a multilayered legislative bill divided into four distinct sections. Phase 1 authorized funding for coronavirus preparedness and response; specifically, for measures such as vaccine development and public health funding. Most of the money was allocated to the Department of Health and Human Services. Approximately 81 percent of funds were allocated domestically, with the other 19 percent allocated internationally.

Phase 2 allocated $104 billion for three specific objectives: 1) Require private health insurance plans and Medicare to cover COVID-19 testing; 2) Expand unemployment insurance by $1 billion and loosen up eligibility requirements; 3) Provide for paid sick leave at an employee’s full salary, up to $511 per day, and paid family leave at two-thirds of a worker’s usual salary.

Phase 3 provided stimulus checks to individuals and “grants” to small businesses meeting specific criteria, such as keeping employees on the payroll for two months. This phase of the bill represents by far the most expensive single spending bill ever enacted in American history, at about $2.2 trillion.

And finally, the last phase of the bill provided funding to replenish the Paycheck Protection Program (PPP) for small businesses and shore up public health measures, such as virus testing and hospital funding. The bill was signed into law by the president on April 24.

VA Tele-Hearing Modernization Act (HR 4771) – This bill amended previous guidelines to allow appellants to appear in cases before the Board of Veterans’ Appeals by picture and voice transmission from locations outside the Department of Veterans Affairs. The bill was introduced by Rep. Joe Cunningham (D-SC) on Oct. 21, 2019, and signed into law by the president on April 10.

Safeguarding America’s First Responders Act of 2020 (S 3607) – Sponsored by Sen. Chuck Grassley (R-IA), this bill was introduced on May 5 and passed in the Senate on May 14. The legislation is designed to extend death benefits to public safety officers whose deaths are caused by COVID-19, and for other purposes. The bill is currently under consideration in the House.

Law Enforcement Suicide Data Collection Act (S 2746) – Sen. Catherine Cortez Masto (D-NV) introduced this legislation on Oct. 30, 2019. The act would require the director of the FBI to provide information on suicide rates in law enforcement, and for other purposes. It was passed in the Senate on May 14 and is currently being considered by the House.

HEROES Act (HR 6800) – This bill was introduced on May 12 by Rep. Nita Lowey (D-NY). In response to the COVID-19 outbreak, this bill is designed to provide emergency supplemental appropriations for a variety of applications, including assistance to state, local, tribal and territorial governments; further, expand paid sick days, family and medical leave; unemployment compensation; nutrition and food assistance programs; housing assistance; payments to farmers; and the Paycheck Protection Program. It also outlines several potential tax credits and deductions and requires employers to develop and implement infectious disease exposure control plans. The House passed this bill on May 15; it is currently in the Senate for consideration.

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