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Los Angeles-based music fintech Stem is advancing up to $100 million in advances to musicians and artists who can't tour due to the coronavirus. 

The company, whose investors include record exec Scooter Braun, received requests for $18 million in advances just 24 hours after launching.

Stem's offering, Scale, provides advances to artists based on their projected earnings from four to 18 months into the future and expects that the company's $100 million fund will be deployed far faster than expected due to coronavirus. 

"We're building financial tools for an underserved part of the population, people don't think musicians have this issue, but in fact it's where [the term] gig economy comes from," Milana Rabkin-Lewis, CEO and cofounder of Stem, told Business Insider in an interview. "People think there's nothing in the middle from superstardom to starving artist, but we want to prove there is a middle ground and that you can build a sustainable business as a musician."

Stem's decision to provide $100 million to artists is double that of a similar fund from Apple, which launched a $50 million scheme to support independent artists in April.

Rabkin-Lewis says her company's offering is helping to provide monthly assistance to musicians, many of whom are failed by a lack of infrastructure in the industry.  

One way the company does this is through helping commercially successful artists release their music independently by removing the need to pay out songwriting and producer credits, and label cuts. One such example was multi Grammy award winning artist Chance the Rapper who worked with Stem to release his music through Apple and Spotify. 

Unsurprisingly, with much of the world on lockdown and with it thousands of events canceled, traditional income streams for musicians have been limited. The touring industry, worth approximately $130 billion a year, has been decimated by the coronavirus and if the industry does return it will come back in a "different way," according to Rabkin Lewis. 

It's part of a journey that saw touring evolve from being a vehicle to sell records, to a major income source for artists with streaming effectively demolishing the value of individual songs and albums.

As a result, five-year-old Stem works with independent artists to not only help financially but also assist with digital marketing strategies and help them think more critically about growing their fanbase globally. 

Clients beyond Chance the Rapper include Frank Ocean and Childish Gambino, who rely on the startup to get paid.

Another important distinction, for Rabkin-Lewis, is that despite much of the venture capital industry being skeptical of the world of music in the wake of Napster, those who are involved see great value in the sector. Many smaller investors in the platform include Mark Cuban, whose involvement is minimal according to Stem, Mark Gillespie (Calvin Harris' manager), Bradford Cobb (Katy Perry's manager), and Savan Kotecha (a songwriter for Arianna Grande and The Weekend). 

Undoubtedly, the Covid-19 pandemic will change the music industry but Stem hopes that its platform will offer a real alternative to artists going forward. 

Cruise, the self-driving car firm owned by General Motors, is culling around 8% of its workforce.

According to Bloomberg, which first reported the news, the move is aimed at cutting costs amid the ongoing coronavirus pandemic.

Cruise, which has previously raised money from SoftBank's Vision Fund, reportedly made the cuts across its recruiting, design, product, and business strategy teams. The number of workers culled totals around 150.

A Cruise spokesman was bullish regarding the cuts, telling The Verge that "the actions we took today reflect us doubling down on our engineering work and engineering talent."

The Cruise news follows a depressingly familiar pattern, with several other firms in the autonomous vehicle sector having made staff cuts during the coronavirus pandemic. These firms include including Zoox, Velodyne, Kodiak Robotics and Starship Technologies.

The firm's fleet of self-driving cars has not been in use since March, though some of its vehicles have since been put to use delivering food to food banks in the San Francisco Bay Area.

Cruise did not immediately respond to Business Insider's request for comment.

Amazon's drone engineers have turned their skills to making protective face shields for health workers to fight the coronavirus pandemic.

The tech giant published a blog post on Thursday saying a technical program manager at the company got into making masks with a group of 3D-printing enthusiasts in March. The manager then approached Amazon's Prime Air drone team to get involved with the project.

Once Amazon settled on a design it open-sourced it for 3D printers, and then started manufacturing the shields itself. "To date, Amazon has donated nearly 10,000 face shields and is on track to deliver 20,000 more in the coming weeks," the company writes in its blog.

On top of the donations, Amazon's going to start selling the masks on its website to healthcare workers.

"To help quickly meet the growing requests from medical professionals across the country, we have decided to start mass-producing these face shields and aim to make hundreds of thousands available over the next few weeks, at-cost, on Amazon.com," the company writes.

It didn't give a price-point but said it would be able to sell them for a third of other face shields on the market.

Amazon isn't the only tech company to turn its hand to manufacturing PPE. Apple has been making face shields since April and said it hopes to ship 1 million per week. Amazon CEO Jeff Bezos' space exploration company Blue Origin has also been 3D printing shields.

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Email templates can be a saving grace if you find that you have a lot of repetitive tasks at work. If you're an Outlook user, the process of creating and using those templates is quick and easy.  

Just keep in mind that you can only create the body copy — all other information, like the intended recipient (or recipients), attachments and subject line will still need to be manually added after you've customized the template.

With that in mind, here's how to create an email template in Outlook.

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How to create an email template in Outlook

1. Open Outlook and log into your account, if needed.

2. Click "New Message" in the top-left corner of the screen.

3. Click the three dots in the lower menu of the new email.

4. Select "Templates."

5. Click "+ Template."

6. Add your title and create the body copy for your template.

7. Click "Save."

You'd then be able to access your template each time you created a new email by clicking those three dots, selecting "Templates" and then choosing your desired template.

Whether you want to permanently reduce the volume of your iPhone alarms to avoid also waking roommates or adjust the sound based on the noise level in the office or coffee shop, Apple gives iPhone users multiple ways to control the alert feature's volume. 

You'll need to access your iPhone's settings for both. One lets you manually turn down your iPhone's Ringer and Alerts level, with changes applying to all of your iPhone's alarm, alert, and call sounds. The other allows you to use your phone's side volume buttons — which are usually reserved for music and video playback — to increase or decrease alert levels.

Here's how to turn down the alarm volume on your iPhone.

Check out the products mentioned in this article:

iPhone 11 (From $699.99 at Apple)

How to manually turn down the alarm volume on an iPhone via Settings

1. Open your Settings app on your iPhone.

2. Tap Sounds. 

3. Tap your finger on the Ringer and Alerts slider and move it to the left to adjust the volume of your phone sounds manually. 

How to turn down the alarm volume on an iPhone using the volume buttons

1. Open your Settings app on your iPhone.

2. Tap Sounds. 

3. Toggle the Change with Buttons option underneath the Ringer and Alerts slider to green. 

4. Close the Settings app and go to your Clock app. 

5. Create a new Alarm using the + symbol in the upper right or tap Edit and select a current alarm. 

6. Tap on the alarm's Sound tab.

7. Select any available tone on this list. 

8. As it plays, click the down volume button on the side of your phone to turn down the volume on your alarm. 

 

There are times when you might want to automatically forward email that's arriving in Outlook to another account. If you're going on vacation, for example, it can be convenient to auto-forward messages to a coworker.

Outlook makes forwarding email easy to do, once you know how. 

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Apple Macbook Pro (From $1,299.00 at Apple)

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How to forward emails from Outlook 

1. In Outlook, make sure you're in the Mail view. In the ribbon bar, click "Rules," and then click "Create Rule" in the drop-down menu. 

2. The Create Rule dialog box will automatically be ready to create about whatever email is currently selected, but mail forwarding isn't one of the action options, so click "Advanced Options…" in the lower right corner. You should see the Rules Wizard.

3. To use the Rules Wizard, you'll need to specify two things: What messages to act on – this is the rule's "condition" – and what to do with the message, which in this case will be forwarding it to another email account. Start by specifying the condition. If you want to forward all email that is sent to a certain email account, click the checkbox for "through the specified account." Then, in the Step 2 field at the bottom of the dialog box, click "specified" and choose the email account you want to act on. 

4. You can also choose to forward email "sent only to me" (as opposed to mass mailings like newsletters) or any of the other options. You can also choose multiple conditions, so they work together – such as emails sent to a specific account that are addressed only to you. 

5. When you're done, click "Next"

6. Click the checkbox for "forward it to people or public group." In the Step 2 field at the bottom, click "people or public group" and choose a contact from your Outlook contacts to forward the email to. Click "Next."

7. If you would like to add any exception, such as not forwarding any email with certain words in the subject line, do that on this page. You can review the lengthy list of options to see if anything applies. Click "Next."

8. To finish the rule, give it a name and then click "Finish."

No matter which version of Dropbox you're using — the free Dropbox Basic service or one of the paid tiers — you don't have unlimited storage. This means you may sometimes need to delete certain files to make room for others. 

You can delete files from Dropbox using a browser or the app, which gives you quite a bit of flexibility. And even better, if you change your mind after deleting a file, you have up to a month to restore it.

Here's how to delete files from Dropbox using a Mac, PC, iPhone, or Android device.

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iPhone 11 (From $699.99 at Apple)

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How to delete files from Dropbox using a browser

1. Using a Mac or PC, open the Dropbox website in your browser and sign into your account.

2. Click "Files" in the navigation pane on the left side of the window. 

3. Locate the file you want to delete and hover your mouse pointer over it.

4. Click the three dots on the right and then choose "Delete" from the drop-down menu. Confirm by clicking "Delete" a second time.

If you have subscribed to a paid Dropbox account and no longer want to pay to maintain it, you can cancel your subscription, which returns you the free service (which includes 2GB of storage) – there's no need to do anything else. But if you want to delete your Dropbox account completely, you can do that as well, whether you were using a paid subscription or the free Dropbox service. 

If you choose to delete your Dropbox account, Dropbox will delete all your files from its online servers and remove your account and personal information within about 30 days, so you can no longer sign in to your account. It will also unlink your personal devices from the service and stop all file syncing. 

Any files you had previously placed in shared Dropbox folders that other Dropbox users have access to are not deleted, nor does Dropbox delete or change any files stored on your devices. In addition, if you have the Dropbox app installed on your devices, you will need to uninstall it yourself. 

Deleting your Dropbox account is permanent, so be sure you want to do this before starting. If you've settled on deleting your Dropbox account, here's how to do it. 

Check out the products mentioned in this article:

Apple Macbook Pro (From $1,299.00 at Apple)

Lenovo IdeaPad 130 (From $469.99 at Walmart)

How to delete a Dropbox account

1. Open Dropbox in your browser and sign in to your account.

2. Click your account's avatar in the upper right corner.

3. In the dropdown menu, click "Settings."

4. Make sure you are on the "General" tab using the navigation menu at the top of the page, and then click "Delete account."

5. Enter your password and choose a reason for deleting your Dropbox account before clicking "Permanently Delete." 

 

If you aren't interested in keeping your Outlook account and want to delete it, you do have the option to delete it — but with a large caveat.

Doing so would require you to delete your entire Microsoft account. In that case, your email and contacts would be deleted from the server and the effect is permanent. This would also impact your Xbox, Skype, and OneDrive accounts. 

Check out the products mentioned in this article:

Apple Macbook Pro (From $1,299.00 at Apple)

Lenovo IdeaPad 130 (From $469.99 at Walmart)

How to delete your Outlook account by deleting your Microsoft account

If you want to delete your Microsoft account, go to this page and click the "Close Account" button. Then simply follow the on-screen instructions and your account will be deleted.

However, if you don't want to do that, you could instead opt to simply remove your email address from your Outlook account.

Here's how to delete your Outlook account by removing your email address. 

How to delete your Outlook account by removing your email address

If you want to take the less drastic path, however, here's how to remove your email address from Outlook:

1. Open Outlook and click the gear icon, located toward the top-right side of the screen.

2. Select "View all Outlook settings."

3. Make sure you're in the "Mail" tab in the far-left sidebar, then select "Sync email" in the next sidebar.

4. Hover over the email address and click the trash can icon to delete it from your Outlook account.

If you don't see the option to remove your email address from Outlook and you have Windows, you'll have to delete the account from your Mail and Calendar apps. Or, if you have an outdated version of Outlook, you may have to use other means to delete your email address from Outlook.

Like many internet services, Dropbox offers a multi-tiered subscription model. 

Many people use Dropbox for free, but you can also subscribe to one of the paid levels, such as Dropbox Plus or Dropbox Professional. After you cancel, you won't lose your Dropbox subscription immediately. You'll be able to take advantage of whichever Dropbox service you had through the end of the billing cycle, after which your account will revert to Dropbox Basic. 

Your storage will revert to 2 GB, and the extra files will no longer sync with your devices. Your deleted files will be maintained by Dropbox for 30 days and restored if you change your mind and reactivate your subscription.

If you have a Dropbox subscription and want to cancel, here's how to do it. 

Check out the products mentioned in this article:

Apple Macbook Pro (From $1,299.00 at Apple)

Lenovo IdeaPad 130 (From $469.99 at Walmart)

How to cancel your Dropbox paid subscription

1. Open Dropbox in a browser and log into your account. 

2. Click the avatar for your account in the upper right corner of the window. 

3. Select "Settings."

4. In the navigation menu at the top, click "Plan."

5. On the new page, choose "Cancel plan." 

6. Confirm the cancellation by clicking, "I still want to downgrade." 

 

If you find yourself sending email messages to the same group of people over and over – perhaps your boss and a handful of co-workers – you don't need to keep adding them to the To: line by hand every single time. Instead, create a Contact Group and simply send your message there. 

Here's how to create a group email in Outlook. 

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Apple Macbook Pro (From $1,299.00 at Apple)

Lenovo IdeaPad 130 (From $469.99 at Walmart)

How to create a group email in Outlook 

A Contact Group, which is sometimes referred to as a "distribution list," is a set of names you can add to an email message with a single action. Before you can add one to an email, you need to create it.

1. Open Outlook and then click the Contacts icon at the bottom left of the window to switch to the Contacts view. 

2. In the ribbon bar, click "New Contact Group."

3. Give your Contact Group a name that's easy to remember in the Name field.

4. In the ribbon bar, click "Add Members" and then choose "From Outlook Contacts" from the drop-down menu. The Select Members dialog box should appear.

5. Double-click each name you want to add to your new Contact Group. You should see the names appear at the bottom of the dialog box. 

6. When you're done adding names to the group, click "OK."

7. You can also manually enter names to the Contact Group that aren't already in your Outlook contacts by clicking "Add Members" and choosing New E-mail Contact from the drop-down menu. 

8.  In the ribbon bar, click "Save & Close." 

How to send email to a group email in Outlook 

You can repeat those steps to create as many Contact Groups as you want. Just be sure to give them names you'll be able to easily recall so you can add them to email messages. To do that, just type the group's name in to To:, CC:, or BCC: line of an email message, in the same way as you would enter any name from your Outlook contacts. 

You might notice that a Contact Group has a small plus sign to its left. If you click the plus sign, you can "expand" the list to show you the names of all the people in the group. Be sure that you really want to do that, though, because once you expand a group in an email message, you can't compress all those names back down to just a single entry. 

Outlook can become a crowded place fast. You've got emails from coworkers, clients, managers, and your direct reports. You might also have four different calendars to manage. And you also have your contacts, messages, and the list goes on.

As in all of life, so too in Outlook: organization is key. The good news is that in all the recent versions of Outlook, making folders into which you can organize everything from a certain category of email to a batch of notes is as easy as creating a new folder.

Here's how to create folders in Outlook. 

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Apple Macbook Pro (From $1,299.00 at Apple)

Lenovo IdeaPad 130 (From $469.99 at Walmart)

How to create folders in Outlook 

1. Open Outlook and log in if needed.

2. On the left menu, click on Mail, Calendars, Contacts, or wherever you want to add the new folder.

3. Right click on the desired location of the new folder ("Sent Items" e.g.) and select "New Folder" from the popup window.

4. Right click and type in a name for the folder — added organization achieved.

And remember that you can always right click on a folder to rename it if you want.

 

When you log into your LastPass account on your computer or mobile phone, you're creating a cached version of your saved data to your local device. For those who have enabled offline access, that means you can access everything in your Vault even if you aren't connected to WiFi or your mobile data. 

Once activated, you can log into your account from the device you're using and have full access to any saved vault data, whether you're using the LastPass web browser extension, desktop site, or mobile app.

Here's how you can access your LastPass saved passwords, digital wallet, and more without an internet connection.

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iPhone 11 (From $699.99 at Apple)

Samsung Galaxy S10 (From $859.99 at Walmart)

Apple Macbook Pro (From $1,299.00 at Apple)

Lenovo IdeaPad 130 (From $469.99 at Walmart)

How to enable offline access to your LastPass account

1. Visit LastPass.com and log in to your account with your username and Master Password. If you have the browser extension, click the LastPass icon in your toolbar before selecting "Open My Vault." 

2. Select "Account Settings" located inside the left sidebar.

3. Toggle over to the "Multifactor Options" tab.

4. Click the edit icon, represented by a pencil, next to your desired multifactor option and select "Yes" from the dropdown. 

5. Select "Allow" for the "Permit Offline Access" dropdown menu. 

6. Set up and configure any other fields for your authenticator if applicable before clicking "Update."

7. Enter your master password and click "Continue."

 

Salesforce will give all employees the option to work from home for the rest of the year, regardless of when their local office location opens up, the company said Thursday. 

"For us, the timing of when we bring employees back into our offices will be unique to each office—we'll make those decisions on a city-by-city basis, in a way that's consistent with local government guidelines and in line with the advice of our medical experts," Amy Weaver, chief legal officer, wrote in a blog post. 

Salesforce has over 160 office locations around the world and compares its reopening process to being like a "light dimmer, not a light switch."

In Asia, where businesses are slowly opening their doors, Salesforce will begin reopening offices in phases later this month, while it hasn't made any announcements around its San Francisco headquarters. By allowing employees to choose to work from home through 2020 regardless of whether their office is open, Salesforce follows Facebook's precedent. Twitter, another San Francisco-based company, told employees they could work from home indefinitely. 

"We're not going to open up the doors and have everyone at the company back at their desks on day one," Elizabeth Pinkham, Salesforce's global head of real estate wrote in a blog post last week. "Instead, we are looking  at the return as a phased approach starting with the employees that are most critical to our office operations." 

Salesforce CEO Marc Benioff previously tweeted a series of steps that were necessary to reopen business on June 1, including the ready availability of antibody and viral testing for COVID-19. He told Axios earlier this week that he hopes that the US is "weeks away from that and not months away from that." 

Salesforce executives have said they see the coronavirus crisis as having three phases: a crisis response, recovery and reopening, and the new normal. Right now, businesses and organizations (including Salesforce) are entering that extended recovery and reopening phase, they said.

To help, the company recently released a set of products to guide organizations in that process, including tools to track the employee health data and shift management software.

"We'll continue to innovate around Work.com as we learn from our own efforts and those of our customers," Weaver said in the blog post.

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After a series of mixed messages that confused and frightened venture-funded startups, the federal government is flashing the green light to let them know it's safe to borrow money from the small business loan program. 

But the effort may not be enough to overcome misgivings among the startups who are grappling with the coronavirus pandemic's economic shocks that the nearly $700 billion loan program is supposed to mitigate.

On Wednesday the Small Business Association and the Treasury Department updated the guidelines around the Paycheck Protection Program. In an update to a list of  frequently asked questions, the SBA said it would now deem all loan applications for less than $2 million to have been made in good faith. At least at first glance, that move seems to have addressed a big reservation many venture-backed startups have had about the program — that the government could and would determine after the fact that they didn't actually need the money and might even prosecute them for taking it.

Many startups who may have been on the fence about the program or may have already even returned money they received under it for fear that they didn't qualify may see the new guidance as the government's stamp of approval for them to participate in the program, as long as they borrow something less than $2 million, said Ed Zimmerman, chair of the tech group at the law firm Lowenstein Sandler, who has been closely following developments in the PPP.

"I think lot of lawyers are telling their clients, 'It's now free money. Go for it,'" he said.

The SBA's guidance has gone back and forth

Congress created the PPP as part of the $2 trillion stimulus package it passed in March. As part of that law, government set aside $349 billion for loans to small businesses to use on payroll, rent or mortgage payments, and utilities. After the initial funding ran out, Congress added another $320 billion to the program. The loans were supposed to help keep the businesses afloat and their workers employed. The government promised to forgive loans to companies that used them for the named purposes.

Congress didn't specify whether or not venture-backed startups would qualify for the program, and the guidance issued by the SBA and Treasury Department since late March has been confusing to many. Initially, it seemed like startups wouldn't be able to participate because they'd be too big to count as small businesses, due to existing SBA rules that would have forced them to count as their employees not just their own workforces but those of other companies owned by their venture backers. The SBA cleared up that issue, which seemed to allow startups to participate.

But then, in the wake of news that Shake Shack and other big companies got loans under the program, the SBA and Treasury Department issued new guidance in late April that again seemed to exclude startups from participating. The SBA warned companies they must certify that they actually needed the loan funds. When assessing that need, companies — particularly those backed by private-equity firms — needed to consider whether they had access to alternative sources of funding, such as from their investors. Venture capital are generally considered to be a kind of private equity.

Interest in the PPP loans among startup founders and venture capitalists has gone back and forth as the government's guidance on it has changed, Zimmerman said.

"It's a pendulum, and it's swinging wildly," he said.

As part of the guidelines it issued late last month, the SBA said it would audit all loans of more than $2 million and some of those for smaller amounts. Treasury Secretary Steve Mnuchin threatened to have companies that falsely certified that they needed the loans be criminally prosecuted.

Many startups pulled out of the program

In the wake of that guidance, many startups that otherwise would have taken out loans under PPP decided to either forgo the program or to return loans they received, venture capitalists told Business Insider. About half of Menlo Venture's portfolio companies had planned to apply for PPP loans, said Matt Murphy, a partner with the firm. After the SBA issued its guidance about alternative sources of funding, less than 10% of its portfolio companies ended up both apply for and keeping the PPP money, he said.

Meanwhile, about one-quarter of the companies in Sapphire Ventures' portfolio applied for and received loans under the program, Jai Das, the firm's president said. But after the guidance came out, nearly all of them returned it. Only one or two kept the money, he said.

The new guidance "changed the game a little bit for a number of companies, and they decided not take it," Murphy said.

Indeed, potentially as a result of the threats of audits and prosecution, interest in the program seems to have waned. Although the SBA quickly exhausted its first tranche of money under the PPP program, it still had more than $127 million left under the program as of Wednesday.

Instead of taking out the loans, many such startups laid off workers instead to reduce their cash burn or sought out other sources of capital, such as lines of credit, the venture capitalists told Business Insider.

Zimmerman is advising startups to remain cautious

The new guidelines seemed aimed to reduce fear among potential borrowers and encourage them to take out loans under the program. But for his part, Zimmerman is still urging his clients to be cautious. It's unclear how much legal weight to give a statement made by the SBA in an FAQ document, he said.

Even if one assumes it's equivalent to a regulation or a law, the document still leaves room for uncertainty, he said. In the FAQ, the SBA seemed to leave open the possibility that it might still audit loans of less than $2 million and could force companies to repay loans if it determined they didn't need the money, he said.

With all the back-and-forth guidance, "the government has breached trust here," he said. "How do you now rely on government statements at this point?"

What's more, even if the SBA's latest guidance can be taken at face value, it's not binding on other governmental agencies, Zimmerman said. The Department of Justice, state attorneys general, and even the Office of the Inspector General of the Federal Deposit Insurance Corporation could still investigate companies that took out PPP loans of whatever size.

And it may be a red flag to such law enforcement officials and regulators if a company applied for a loan after the latest change after either pulling its application or repaying a loan following the prior guidance, he warned. Such a sequence of events might suggest to law enforcement officials that a company's leadership didn't really believe the company qualified for the loans.

The big question is whether "people are going to draw that negative inference and say the only reason you applied is because we told you you wouldn't get caught," Zimmerman said.

Regardless, the latest change is likely going to lead to more stress among startup founders and their VC backers, he said.

"This definitely triggers another round of hand-wringing, another round of relationship-fraying conversations around board rooms," Zimmerman said.

Got a tip about a startup or the venture industry? Contact this reporter via email at This email address is being protected from spambots. You need JavaScript enabled to view it., message him on Twitter @troywolv, or send him a secure message through Signal at 415.515.5594. You can also contact Business Insider securely via SecureDrop.