Your COVID-19 Stimulus Payment:
We will continue to monitor any news regarding the COVID-19 relief package that includes the 2nd round of stimulus checks. Deposits have started to be issued. Most recipients will see these payments hit their accounts in early January.
The IRS has created a FAQ page to help answer many of your questions in regard to this stimulus payment: https://www.irs.gov/coronavirus/get-my-payment-frequently-asked-questions
Check out the IRS site for more information: https://www.irs.gov/coronavirus/get-my-payment
Report fraud, scams, and bad business practices at ReportFraud.ftc.gov.
The more information you can give us about the situation, the more useful your report will be. If possible, be prepared to tell us:
- Your contact information: name, address, phone number, email
- The type of product or service involved
- Information about the company or seller: business name, address, phone number, website, email address, representative’s name
- Details about the transaction: the amount you paid, how you paid, the date
The scams are creeping into your newsfeed, your ads, your offers … and so, think twice before the retweet, perhaps.
The Federal Trade Commission (FTC) said in a recent Consumer Protection Data Spotlight that social media and app-driven scams have more than tripled in the past year — as measured by the first six months of 2020 — with a sharp increase seen in the second quarter.
Total reported losses for all of 2019 for those types of fraud totaled $134 million, said the FTC, but through the first six months of this year reported losses reached $117 million.
“In that time, the reported scams that started on social media often related to online shopping, romance scams, and supposed economic relief or income opportunities,” said the FTC.
Drilling down a bit, the commission said eCommerce sites that did not deliver items that had been purchased were among the scams most often reported. In addition, consumers mentioned Facebook or Instagram in 94 percent of the reports that identified specific platforms. Also on the rise: scams that offer grant money to help those in need during the pandemic.
And in terms of fraud directly related to the pandemic, as noted in this space earlier this fall (and where tallies are almost certainly higher since that report), the FTC said more than 200,000 Americans have lost $145 million linked to the COVID-19 pandemic since the start of the year.
To that end, earlier in the week, the FTC debuted a new platform for consumers to report fraud. The platform, ReportFraud.ftc.gov, allows consumers to report issues directly to the commission, with the added feature that the FTC also will offer “next steps” the consumers should take depending on the type of fraud report.
In a statement from Andrew Smith, director of the FTC’s Bureau of Consumer Protection, “every time you report scams or bad business practices to the FTC, you’re helping to protect your community. With ReportFraud.ftc.gov, it’s quicker and easier than ever to share your story, and each report helps the FTC, and other federal, state, and local law enforcement agencies, fight fraud.” The commission said that the new site replaces the FTC Complaint Assistant.
Targeting Restaurants And Other Verticals
The new consumer reporting tool comes as beyond the confines of social media, and as reported by PYMNTS, certain verticals are seeing increased targeting by fraudsters, especially amid the great digital shift wrought by the pandemic.
That’s especially true of the restaurant sector, where mobile commerce, delivery and curbside pickup have been hallmarks of that shift.
“With digital transformation, payments are going card-not-present, whether it be an online order for delivery, mobile order-ahead or even ordering from within the restaurant via a phone app or other method. That shift to card-not-present also shifts the liability,” Scott Adams, vice president of friendly fraud at Kount, told PYMNTS. “Chargebacks are a risk because fraudsters like to test stolen card information with businesses that may be accustomed to multiple small transactions in a row and that also don’t have time for a manual review process.”
In terms of consumer protections (added layers of authentication among them), the 3D Secure 2.0 authentication tool should see tailwinds in tandem with the continued embrace of eCommerce, according to PAAY Chief Financial Officer Brian McCutcheon, as noted in a recent PYMNTS interview.
“The EMV 3DS is uniquely qualified to help merchants keep their chargeback rates down,” McCutcheon said. “[That] keeps them from getting in trouble with the card brands, and obviously avoids the significant costs that come along with fighting, investigating and resolving chargebacks. At the end of the day, it’s kind of a low-priced piece of technology to fight what can be a very expensive issue for merchants.”
Courtesy of https://www.pymnts.com/news/security-and-risk/2020/ftc-social-media-fraud-scams-on-the-rise/
Kids’ lives are online more than ever, from socializing with friends and interacting with family to online learning and education. As parents we want to make sure they do so in a safe and secure manner. However, this is hard as many of us never grew up in such an online environment like this. Below we cover key steps on how you can help kids make the most of online technology safely and securely.
Education / Communication
First and foremost, make sure that you foster good open communication with your children. Far too often parents get caught up in the technology required to block content or what mobile apps are good or bad. No parental control technology is perfect, and some have privacy concerns due to the data they collect. Ultimately this is not a technology problem but a behavior and values problem. Teach your kids to behave online as you would in the real world. A good place to start is to create a list of expectations with your kids. Here are some to consider (these rules should evolve as kids get older):
- Times when they can or cannot go online and for how long.
- Types of websites and/or games they can access and why they are or are not appropriate.
- What information they can share and with whom. Children often do not realize what they post is permanent and public, or that their friends may share their secret with the world.
- Who they should report problems to, such as strange pop-ups, scary websites, or if someone online is being creepy or a bully.
- Treat others online as they would want to be treated themselves.
- People online may not be who they claim to be, and not all information is accurate or truthful.
- What can be purchased online and by whom, to include in-game purchases.
Consider tying these rules to their academic grades, completion of chores, or how they treat others. Once you decide on the rules, post them in the house. Even better, have them review and sign the document; that way, everyone is in full agreement. The earlier you start talking to your kids about your expectations, the better.
Not sure how to start the conversation? Ask them what apps they are using and how they work. Put your child in the role of teacher and have them show you what they are doing online. Keeping communication open and active is the best way to help kids stay safe in today’s digital world.
For mobile devices, consider a central charging station somewhere in your house. Before your children go to bed at night, have all mobile devices placed at the charging station, so your children are not tempted to use them when they should be sleeping.
Security Technologies and Parental Controls
There are security technologies and parental controls you can use to monitor and help protect your kids. They typically provide capabilities to enforce usage limits or hours as well as content protections. These solutions tend to work best for younger children. Older kids not only need more access to the Internet but often use devices that you do not control or cannot monitor, such as those issued by school, gaming consoles, or devices at a friend’s or relative’s house. This is why communicating with your kids about your expectations and the dangers that exist on the internet is so important.
Leading by Example
Set a good example as parents or guardians. When your kids talk to you, put your own digital device down and look them in the eye. Consider not using digital devices at the dinner table and never text while driving. Finally, when kids make mistakes, treat each one as an experience to learn from instead of engaging in an immediate disciplinary action. Make sure they feel comfortable approaching you when they experience anything uncomfortable online or realize they themselves have done something wrong.
A little CyberSecurity Fun
Below is a safe link for an online word find of cybersecurity words.
Courtesy of Sans.org
Are you ready to make some upgrades at home?
Do you need funds for paying off another debt?
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Put the equity in your home to work for you and your needs! Talk to a Roundbank banker today and see how a Home Equity Line of Credit from Roundbank with No Closing Costs can help. Contact us today!
Always call Roundbank if you questions any legitimacy of a request for account information or transactions. We will work with you to make sure the requests are valid. Roundbank is here to help.
- Do not provide your account number or personal information by email or text.
- Do not trust caller ID as it can be spoofed to show your financial institution as the caller.
- Roundbank will never call you to request information you received via text message.
- Do not provide information in response to request via text, email, or phone. Reach out to Roundbank to confirm that the request is legitimate.
- Do not give information over the phone if you receive a call stating that a transaction is canceled; contact Roundbank using a published phone number instead.
- Never click on links in unsolicited emails or text messages.
- Do not give an unsolicited caller remote access to your computer.
- Money transfer services such as Zelle or Pop Money should only be used to send money to people your know and trust.
Farming is a dangerous occupation, ranking right behind mining for the highest number
of accidents and fatalities annually. Harvest season can be particularly threatening due
to dangers posed by equipment used, exaggerated by human factors such as fatigue
associated with long days, environmental conditions (e.g., rain, mud, heat, cold, etc.),
and other risks. This SOP provides guidance for reducing harvest safety risk factors.
• Do not rush to complete tasks or take short cuts. Risk of injury increases with
• Stay alert. Get plenty of rest. Avoid long work hours, and working at times when
you’re most prone to fatigue. Avoid medications and other substances that may
interfere with your ability to remain alert and safely operate equipment.
• Shut off all farm machinery before exiting the vehicle.
• Read and adhere to the manufacturer’s operating and maintenance
recommendations, as well as precautionary statements.
• Prior to initiating work, determine if other employees, visitors, or animals will also
be in a field where harvesting equipment will be used. Warn individuals where
harvesting equipment will be used and avoid altering field harvesting plans
without giving prior notice to supervisors or others who might be in the field. It is
the equipment operator’s responsibility to watch for humans and animals in the
field and to avoid injuring pedestrians. It is also important to inspect each field to
detect potentially hazardous conditions, e.g., wash-outs, downed trees, etc.).
• Allow passengers only when the vehicle is specifically designed for such use
(i.e., manufacturer supplied passenger seat).
• Ensure ready access to emergency communication device and a first aid kit at all
• Equipment should be made harvest-ready in the off-season. This includes
thorough inspection for missing covers, guards, bolts; loose handrails or steps;
loose or damaged electrical connections or wiring; worn belts, pulleys, bearings;
etc. This also includes all preventative maintenance at the intervals
recommended by the manufacturer.
• Before performing service, lower the header to the ground, place the machine in
park or neutral, set the brake, turn off the engine, and remove the keys. Observe
all precautions stated by the manufacturer in cases where the owner’s manual
specifies a service or maintenance operation that must be conducted with the
engine running or the header raised.
• Never clear a clogged harvester with the machine running.
• Do not place yourself beneath harvester headers without assuring they can’t
come down. Use the manufacturer’s hydraulic cylinder safety stops, solid blocks,
or other failsafe protective devices.
• Let the forage harvester knives stop rotating on their own before opening the
access doors to work on them. Consider lockout devices to prevent injury from
accidental startup or stored energy.
• Always follow the manufacturer’s recommendations when sharpening forage
harvester knives, or when replacing knives, forage blower blades, or combine
cylinder bars. Be sure to torque the knife, blade, or bar attachment bolts to
• Make the vehicle as narrow as possible by adjusting hitches, folding unloading
augers, or removing headers.
• Ensure that where appropriate equipment bears a bright, reflective slow moving
vehicle (SMV) sign.
• Use warning lights/flashers when possible.
• Signal all turns.
• Observe all motor vehicle laws.
• Don’t drive on the shoulder where terrain may be rough and cause tipping. To
allow vehicles to pass, wait for a safe place and pull off the road and stop. If the
vehicle starts to tip, steering down to the ditch may prevent a complete overturn.
• To prevent loss of control when going downhill, leave harvester in mid range or
low range. Do not put into neutral or leave in high gear.
• Consider having an escort vehicle, especially if the trip requires left turns.
• Be aware that the stability of the vehicle changes as the tank fills with grain. The
center of gravity becomes higher and the vehicle will be more prone to tipping,
especially with high speeds and turns. Do not extend the height of the grain tank
beyond what is recommended by the manufacturer.
• When operating on hills, make wide turns.
• Carry a cell phone or other communication device (i.e., two-way radio) for
emergency use only.
• Do not stand behind or beneath the discharge spout of an operating crop
Falls result in a significant number of farm related injuries. A fall from a combine can be
as much as 14 feet, and may result in serious injury.
• If a machine must be serviced in the field, take time to clean the crop dust and
debris from the steps and platforms, and wear shoes with a solid, slip-resistant
tread. Good traction will reduce the chance of slipping and falling.
• Use equipment step and hand holds, and enter and exit the vehicle in the
manner intended and designed.
• Be extremely alert if working in or after rain. Wet shoes make it easier to slip and
fall when getting on and off the equipment.
Harvesters can be fire hazards. Chaff and other bits of plant material can be ignited by
engine components or from the heat of failing bearings or slipping belts. Reduce fire
• Keeping belts tight.
• Frequently removing dust and chaff buildup.
• Checking bearings regularly.
• Equipping tractors with a multi-purpose (A-B-C) fire extinguisher (5-pound
minimum, 10-pound is better). Consider carrying a 2 1/2- or 5-gallon pressurized
or pump, type A fire extinguisher on combines. These extinguishers are better
than type A-B-C extinguishers on type A fires (chaff and plant material) in windy
Loaded grain wagons will often weigh more than the tractor or pickup truck pulling them.
If a heavy wagon has a tire blowout or running gear failure, it will make control difficult
and can result in a collision or overturn.
• Adjust and maintain the wagon’s steering components to prevent fishtailing or
weaving and the risk of component failure.
• To prevent an individual from being trapped, buried, and suffocated by grain,
make sure no one is in the grain trailer while it is being loaded or unloaded.
• Never load grain wagons beyond the towing capacity of the tow vehicle.
Observe all manufacturer towing recommendations and precautions. When
calculating the tow weight, include the weight of the empty grain wagon. For
example, the total load weight for a grain trailer with a tare weight of 5000
pounds and towing 4500 pounds of corn is 9500 pounds.
• Do not exceed the manufacturer’s recommended towing speed for the wagon or
the tires. Reduce travel speed and use extra caution if the wagon weighs more
than the tow vehicle.
• When purchasing grain wagons, select a model equipped with brakes and lights.
• Tires used for the running gear must be in good condition. Tires with deep cuts
or cracks are blowout hazards and should be replaced. Ensure proper tire
• Use extreme caution when going down a hill or incline, since control is more
difficult under these conditions.
(Created 8/01; Revised 3/04, 9/06, 1/09)
UNL Environmental Health and Safety · (402) 472-4925 · http://ehs.unl.edu
National Farmer Safety and Health Week
September 20-26, 2020
Please visit https://www.necasag.org/aboutnecas/resources/ for a list of resources surrounding safety on the farm.
Personal Protective Equipment (PPE)
Personal protective equipment (PPE) can reduce the number and severity of farmwork
related injuries and illnesses. Personal protective equipment not only helps protect people
but also improves productivity and profits. Farmers and ranchers can share in these
benefits by using the appropriate protective equipment for themselves, family members
and employees when the job and its potential hazards call for it.
• Protect your head with a hard hat when performing construction work, trimming
trees, repairing machinery, and doing other jobs with head injury risks.
• Use a sun safety hat (one with a wide brim and neck protection) to assist in the
prevention of skin cancer.
• Protect your vision with appropriate safety eyewear (safety glasses, goggles, faceshields) when applying pesticides, fertilizers, working in the shop, or in heavy
• Protect your hearing with acoustic earmuffs or plugs when operating noisy
equipment such as grain dryers, feed grinders, older tractors, chain saws, etc.
• Protect your lungs with the correct respiratory equipment (dust masks, cartridge
respirators, gas masks, air pacts) when working in dusty or moldy conditions,
spray painting, applying chemicals, working in bins, tanks, silos, and manure
• Protect your hands from everyday abuse with job-matched gloves and barrier
• Protect your feet with safety shoes or boots with non-slip soles and heels.
• Protect your skin with impervious garments when using toxic or irritating
chemicals. In addition, use sunscreen to protect against the sun’s harmful rays.
• Is appropriate PPE available in work areas?
• Is PPE kept clean and functional?
• Are shoes or boots equipped with safety toes, insteps, or shanks?
• Is sun screen available in tractors and other self-propelled equipment?
Information supplied by the National Safety Council’s Agricultural Division, the National
Education Center for Agricultural Safety (NECAS) – www.necasag.org or 888-844-6322.
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