What If

2020 is coming to an end.
It has been hard, heartbreaking and a huge lesson all at the same time.

Seeing what risks and closures of businesses are happening daily, I have thought hard about some what ifs:

  1. What if we are on a bridge to a different way of living and doing business?
  2. What if all the brilliant minds on the planet can come together and change what we grasp as normal?
  3. What if everything we think we know is about to change?

All these what ifs came to mind, because I found myself thinking about past generations.
A mere 25 years ago, we did not have widespread internet, video conferencing, social media. Imagine if this horrid pandemic had struck then.
Now we can “see” people we work with and family members daily and free of charge.
We are walking through a portal that might be the brink of a different life.

Horse carriages to cars.
Ships to airplanes.
Fire to stoves.
Typewriters to computers.

Just think about this. Maybe what we take for granted now will change. Maybe just maybe this change might be good for all of us.
Maybe the way we interact with each other will change.

It is up to each and every one of us to keep the flame of hope going strong, and also be wide open to changes.
Flexibility to change, to the next step of life on this planet.

Have a blessed New year everyone!

Top 10 business risks around the world in 2020

By: Bethan Moorcraft

Cyber incidents have been ranked as the top business risk in the Allianz Global Risk Barometer 2020, knocking business interruption from a top spot it had held for seven consecutive years.

According to the Allianz study, which focuses on large and small- to mid-sized enterprises in 22 industry sectors and 102 countries, cyber incidents (including cybercrime, IT failure/outage, data breaches, fines and penalties) were the top concern, followed by business interruption, changes in legislation and regulation, natural catastrophes, and market developments.

Read the entire article HERE

Why you hire Risk Managers and Analysts

Any company that creates online revenue, must have a Risk and Fraud team.

Even with machine learning implementation, you need the human sector to oversee that everything works flawlessly.
Also, depending on the sector you work in, you have to adhere to the laws of the regions you service or sell to.

Be flexible with working hours and schedules.
Risk and fraud does not happen between 9 am and 5 pm. It happens 24/7.
A good plan is to break up the working day for your risk team.
3 or so hours in the day and more hours in the late afternoon or evening.

This will allow all the fraudulent payment attempts to be caught before they even hit your back ends.

Always remember:
You don’t hire people to do them a favor!
You hire them to help your company succeed and grow.


Don’t lose great employees by demanding too much

I recently read an article by Lizzie Wade on wired.
The 8-hour workday is a counterproductive lie.
I could not agree more.
My expertise is in researching fraudulent charges, chargebacks etc.
It is literally impossible to sit in front of a computer screen for 8 hours.
And this goes for a ton of my colleagues and fellow professionals.

This is the internet era.
Coders, marketers, online customer support, finances, shipping, and so much more.

Almost EVERYTHING is done on a computer.
No company owner should expect productivity and great results when imposing an 8-hour workday.
BE FLEXIBLE! You will be amazed at how much can be accomplished in 5 hours!

I have been really lucky to have worked with pioneer CEO’s who totally grasp and understand this.
Great productivity = better results
Higher energy = less mistakes
Less work hours = clear minds, more focus and no tiredness and burnouts

Jump on the boat to the future business owners and bosses!
Team members will be so much more productive, happy, and have real energy to invest in what your company needs.

This is a true win win for your companies!

The 8-Hour Workday Is a Counterproductive Lie

Author: Lizzie Wade /WIRED

What was once a socialist dream has become every knowledge worker’s nightmare. It’s time to unmake the modern myth of productivity.

THE EIGHT-HOUR WORKDAY started its life as a socialist dream. The Welsh textile mill owner and social reformer Robert Owen is credited as the first person to articulate it, by calling for “eight hours labor, eight hours recreation, and eight hours rest” for workers in the early 19th century. This was much better than the 12- or 14-hour days factory workers, including children, were expected to put in at the time. Over the next 100 years or so, labor unions in the US pushed for and won adoption of the eight-hour standard in various industries. Henry Ford brought the idea further into the mainstream in 1926 by mandating a five-day, 40-hour workweek in his company’s factories. In 1940, Congress officially set the American workweek at 40 hours.

There’s just one problem in the 21st century: It’s all but impossible to actually work for eight hours a day in the jobs so many of us now have. Like most people writing hot takes and think pieces about productivity, I’m focusing on knowledge workers here—those of us who work at desks, mostly in front of computers, in offices or from home. Especially those of us who spend those hours making things, like writers, coders, and graphic designers. (Honestly, I think eight hours a day is too long to work in a factory, a restaurant, a call center, or a store too, and we should rethink and re-legislate this standard in all industries.)


Dangerous Emails

DO NOT OPEN emails like this one!

A lot of people make the mistake of only reading the subject of an email, without looking at the actual email address it was sent from.
Just opening an email like this, can put all your data in danger!

ALWAYS look at the email address.
A good way to understand such emails is a lot of letters that make no sense and the email handle that goes nowhere.
Check the picture I added.

Be careful!!!!

Online Purchase ALERT

Happened to me today. An online seller, asked me to take a picture of my id card on both sides to “verify” my purchase!

NEVER EVER do this!

If any online seller asks you for personal information of any kind, just CANCEL your transaction immediately!!!

Be very careful. You should NEVER purchase anything online from any ecommerce company that asks for personal data.
If you take a picture of your ID, all your information can very easily be hacked, stolen and you will be in big trouble!


Protect your Online Business

Now more than ever, most businesses are doing business online.

Make sure that your website is secure! I can’t stress this enough!
Your website MUST start with https://

When you accept payments online, make sure you check IP locations, email handles, BIN databases and fraud lists.

Install fraud filters!
Block spam buyers!

Contact me and I can set you up for success!

Saying Thank you

There are people out there who take everything for granted. In our hectic world things get lost in the shuffle. This is not ok under any circumstances.
Despite what people think, there is still etiquette in business of every kind, and it applies to all, whether it is an assistant, a manager, a
business owner, or a colleague.

People in every level of the workforce do their work, a lot of them go out of their way to help, take the extra step to make things easier.
The right thing to do is to respond immediately, and send a short
thank you note. There is no excuse for taking anyone’s efforts and work for granted. It shows poor manners, poor judgment and in the end lack of politeness. The oxymoron here is that the same people who do not reply or acknowledge what you do for them, complain when they need something and it is not done or they do not get a response.
Guess what? You can’t have it both ways!
I have spoken about organizing your work but I am writing now about the way to be a great leader, colleague, manager, employer, and friend.
Networking, doing business of any kind, being present in today’s communities, businesses and relationships, doesn’t allow you to be nonchalant, forgetful, or dismissive.
Thank you is a word that takes you very far, whether you send an email, call someone, text them or simply talk to them.
When I train people the first thing I mention is, that being “there”, assertive, honest and giving it your all will take you far. BUT there is another aspect to this. Gratitude is another big asset. Whether you are grateful for someone’s work or help, or when someone thanks you for what you’ve done, makes all the difference. It validates your efforts, and of course makes you want to work twice as hard knowing that your work is being appreciated.
When I say work, I encompass every action; an interesting introduction, a first-time meeting, an assignment well done, a completion of a flawless event, you name it.
We need to be aware of other people’s kindness, hard work and existence. When we dismiss anyone, we will “get what we pay for”. The people surrounding us, will not give it another thought, will just do their daily tasks and will not go out of their way any longer to make sure that you are served.
And when we talk about free lancers, people for hire,
independent contractors, professionals of every kind who work with clients, beware! If you are the client, you might get dropped, because although in today’s market people need their hard-earned money, they’d rather work with less clients and be acknowledged and heard, than work with someone who doesn’t apply themselves, is dismissive, forgetful and disorganized.
Think about this and if you implement some good manners, and start listening to the people you hire for their expertise, you will end up being more successful, better in your field and have an easier life!

Who are you? How do you define your life?

Are you happy? Are you living your life to the fullest? Are you coping with the turmoil around us all?

We all watch shows, listen to others and their comments, advice, opinions…

But how do we process all this? What do we actually learn?
How open are we to embracing our true potential, how open are we to something new?
We all nod and agree while discovering a new idea, listening to something profound!

I was mesmerized by something very simple yet very honest and true Dr. Maya Angelou said:
“When you receive, give. When you learn, teach!”

Life is giving us lessons on a daily basis. Do we really listen? Are we really in tune with what is happening around us?
Do we care what happens in our family, our neighborhood, our town, in the world?
Do we give all that even a second thought?

Think about it for a moment.
Bickering, vitriol, gossip and the list goes on and on and on….

WHY? Why can’t we co-exist as humans and really be happy for someone’s success?
Why don’t we turn our words into actions?
Why do we get caught up in words and not true actions?

Even our politicians do that all the time. They disagree with their opponents, but instead of offering another idea or solution, they simply fill our TV sets, Social Media platforms and radios with negative comments, complaints, and attack each other in the most vicious way.
Nothing gets solved with negativity.

Deceit, the race to make more money, the easiness with which we scam other people in order to succeed… boggles my mind.
Is this why we came to this world? Is this how we truly want to live?

Let us all take a step back and realize that our lives are not to be taken for granted. Tragedies happen daily and then we pause for a moment, agree that we should be better, a few days pass and on we go having forgotten everything, just because it didn’t happen to us, to our own family or friends.

Shouldn’t we be in tune with our surroundings? Shouldn’t we take our cues from people who are really trying to make a positive difference in this world?

Time passes with lightning speed. Let us all make a promise to ourselves that we will at least make that phone call, forgive ourselves for past mistakes, forgive others who have wronged us and become better people.

We all can do this, for the good of our own lives!


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