Zeel

Posted: 19 Apr 2020 08:48 AM PDT

For health and convenience reasons, online classes, sessions, and seminars have never been so popular as they are now. If you are interested in delving into the world of virtual classes but are new to online learning and instruction, here are some handy tips and tricks of the e-trade.

Online classes can be one-on-one, in which case you will interact directly with an instructor, or group, during which you will be tuning in with multiple attendees, like a video conference.

Get to know your platform (before class)

Zoom, Skype, Google Hangouts, and WebEx are all commonly-used formats. Find out which one is hosting your class ahead of time, and make sure to install the software if necessary.

You know what they say about the early bird…

You might get more from your class by showing up a few minutes early. Instructors will sometimes join classes early to answer questions or just to chat. It's also a nice way to connect with other attendees.

Understand the interaction plan

Some instructors will answer questions in a chat screen, but not all classes are open for interaction. Many platforms, like Zoom, allow you to text during the session, while others will have Q&A periods at specified times.

Mute. Please.

If you have ever been on a conference call with an unidentified screeching or shuffling noise in the background, you'll know the importance of muting during virtual classes. Some instructors will automatically mute all attendees, but if not, make sure you do it yourself.

To camera or not to camera?

In most cases, you will have the choice to turn on your camera so the instructor and other attendees can see you. This is up to you, but understand that the room you are in, and any other people or animals present may show up on camera. If you are doing some kind of physical class, like ergonomic adjustments or yoga, you may wish to use the camera so the instructor can see what you are doing. (In such cases, you might want to make the bed or close the door to the office first!)

On some online platforms, like Zoom, you can upload a photo background that obscures the room you are in, so other attendees will see the Golden Gate Bridge or a tropical beach instead of your living room couch.

Get dressed. No, seriously.

Even lawyers need to remember to wear clothing when attending online meetings. Even if you intend to keep the camera off—don't take the risk. Wear a shirt.

Timeliness matters.

A virtual class or session is just like any other class in many ways. Try to log on in a timely manner, and mark the class on your schedule so you don't forget. This is, of course, especially important for one-on-one sessions.

Be mindful of others in your actual space.

If you are playing music or using props during a class, remember that others may be able to hear you if you live in a building with other residents—be mindful of dropping kettlebells on the floor or blaring "Eye of the Tiger" from your laptop at 7 am.

The post The Etiquette of Online Classes appeared first on Zeel.

Small Business Loans and Unemployment Options for Providers

Posted: 18 Apr 2020 02:29 PM PDT

You have likely heard at this point that there are resources available to independent contractors, and we wanted to explain how to best access them.

Paycheck Protection Program (PPP)

If you are a small business with employees (LLC, S-corp, or C-corp) or a sole proprietor (filing Schedule C), you may also be eligible for the Paycheck Protection Program (PPP), which helps supplement payrolls on a temporary basis. Find out more here.

Small Business Loans

Depending on your state of residence, you may be eligible for small business loans aimed at small businesses and independent contractors under the Coronavirus Preparedness and Response Supplemental Appropriations Act. For more information visit the Small Business Administration website.

Some more info about these loans: They're low-interest working capital loans of up to $2 million and can be used to pay fixed debts, payroll, accounts payable and other bills that can't be paid because of the current pandemic.

The interest rate is 3.75%, and the loans are based upon ability to repay, with long-term repayments up to 30 years.

If you own a small company (e.g. a spa or massage practice) that has been impacted, get in touch with a SBA loan office to initiate the application process. The application can also be completed online here.

Once a borrower submits an application, approval timelines depend on volume. The typical timeline for approval is 2-3 weeks and disbursement can take up to five business days. As of April 17, 2020, the first round of SBA funds has been exhausted, however, it is likely that more funds will be released in the near future.

Unemployment benefits

Under the CARES Act, independent contractors and self-employed individuals are now eligible for unemployment benefits. You must not be employed elsewhere and you must have lost income from the coronavirus. The important thing is that you should apply for these benefits as self-employed. If you do not see "self-employed" as an option on the form, then list yourself as your employer. Applying for benefits as a Zeel employee will delay your benefits, as that claim will be rejected and you will be asked to resubmit your 1099.

To find your state’s unemployment application link, click here.

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