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“Order Now!” “Your Business Will Fail If You Don’t Have This New Technology!” “Your Competition Has This Tool, Why Don’t You?” Does any of this sound familiar? Does it make you cringe? It seems to be impossible to keep up with all the new trends in business today. It’s hard to know which trends are just flash in the pan gimmicks and which are valuable tools that your business can actually benefit from. It’s important to do your research. Find out what these tools can do for you and make sure it is right for your business. One of these recent trends is the hosted PBX service. These “virtual” phone systems can automatically answer, screen and route all incoming calls to your office, home and/or cell phone. Although they have been on the market for some time now, hosted PBXs have recently been getting the attention of more and more small and medium sized businesses. Is this technology right for your business?

What Can It Do For Me?
First you have to ask yourself, “How will my business benefit from a hosted PBX?” A hosted PBX service has many different aspects that a business owner can take advantage of. A good service will have numerous different features and packages that can help your business project a more professional image and boost productivity. Here are 4 basic features of most hosted PBX services. See if they can benefit your business.

1 - 800 - Toll Free Number
90% of Americans report using a toll free number and studies show that using a toll free number in your advertising can increase your response by 30%. So the first advantage to your business using an “800″ number with your hosted PBX is that consumers will call you before they call the company with a local number. If your company only does business in your direct local market, and you want to keep it that way, then you may still benefit from a toll free number. People generally see a company with a toll free number as a larger and more established business. Simply by having a toll free number, you boost your professional image and instill confidence in your callers.

You Got Them To Call, Now Answer The Phone!
“Follow Me” call forwarding is the backbone of a hosted PBX service. If you have a toll free number you’re inviting people to call you. With follow me call forwarding, you can route calls that come into your hosted PBX to any local phone number or numbers you wish. You can have calls transferred to your office phone, home phone, cell phone or any combination of these numbers until the service finds you. You can even program a hosted PBX to call different phone numbers at different times of the day, or even days of the week. The system will announce itself to you so that you know it is a call coming from your toll free number. Most importantly you can be available to your callers wherever you go. You don’t have to worry about missing a call from Mr. Next Big Client while you are out to lunch. Or better yet, you don’t have to miss your lunch because you are waiting for Mrs. Big Client to return your call.

Connecting You and Your Team
Multiple voicemail boxes can play an important part in how your hosted PBX directs callers. If you have multiple employees, you can assign each one their own mailbox. Each mailbox acts as its own voice mail system. It comes with its own extension, outgoing voicemail message, call forwarding settings, and delivery of messages. The hosted PBX service automatically answers all incoming calls and directs the caller to press the extension of the person they would like to speak to or give them the option of listening to a list of extensions. It doesn’t matter if all your employees work in the same office or in different offices in different locations. They can even work out of their own homes and the caller will never know they are being transferred anywhere outside of the office. If you are a one man band, but you want to project the image of a small orchestra, this can be achieved using your multiple voicemail extensions. For example you can create a mailbox for a Sales department, Technical Support department and Billing department. A hosted PBX system will automatically answer all your incoming calls and route callers to the appropriate department. Unbeknownst to the caller, all three extensions are transferred to you at your local number. With multiple mailboxes you can create an image of a single office as well as further project that professional image that you started by having a toll free number.

Your Voice System At Your Fingertips
One of the advantages of having a hosted PBX is having your entire voice system at your fingertips. Web based access provides a window to your system giving you real time control of your communications. Features will vary depending on the company, but most web based applications allow you to control each mailbox on your system, view caller id captures, change system and mailbox settings such as call forwarding numbers and times as well as running reports to view call usage and trends. Another advantage of web based access is the ability to check voice and fax messages online or have them sent to any email address you wish. Of course, you can still check your messages by phone as well. Web based access isn’t just a convenient and time saving tool, it is also a very productive one. For example you could run a report to see if the call volume increased after a specific ad campaign was released or see which day of the week is the busiest for customer service. The applications are endless.

When trying to decide if the latest tools are right for your business, make sure to ask the important questions. How will it benefit me and my business? Will it boost my productivity? Will it increase my professional image and boost customer confidence? Will it help me to be more successful? If the answer is “yes” to any of these questions then it is definitely a tool that you need to look into integrating into your business.

Find out more about how a toll free hosted pbx system can help you project a professional image, be more productive, and build credibility with your clients.

Apart from the conventional menopause treatment, there are some more that help relieve the difficulties that bothers a female body during this stage. Irregular menstrual cycle is something absolutely normal during this phase. So, if you are having heavy periodic flow after 40 and symptoms like hot flashes, you can be sure about menopause in your life. Although this sounds simple on the surface level, actually it is not so. For working women especially handling heavy periodic flow is not just hazardous but also embarrassing and uncomfortable most of the times. This can’t be eradicated but of course controlled with the right treatment course.

When progesterone count reduces in your body during menopause, you can’t continuous and heavy bleeding. To fight this problem doctors have come up with an idea that really works. Artificial implantation of progestin hormone is one of the most prescribed as well as preferred menopause treatments. This symptom can also be relieved by contraceptive pills, levonorgestrel or nonsteroidal anti-inflammatory drugs etc. However, if there is severe loss of blood leading to other complications then your doctor might suggest some surgical treatment for removal of uterus. Remember, the treatment mode opted is case specific and has to be taken in consultation with your doctor.

Another prominent and recurring symptom of menopause is hot flashes that make you feel sick and uncomfortable in a crowd. Right dosage of certain medicines is known to improve this symptom. Also there are many other menopause treatments that are preferred to treat this symptom. You can go for short-duration hormone therapy with low doses. Anti-hypertensive drugs like clonidine, antidepressant drugs like paroxetine also work in such cases. However, this is completely case specific. Go for the right treatment and get the best out of life without menopausal troubles. Ready for the game?

On June 30, 2000, Congress enacted the Electronic Signatures in Global and National Commerce Act (”ESIGN” or “the Act”), to facilitate the use of electronic records and signatures in interstate and foreign commerce by ensuring the validity and legal effect of contracts entered into electronically. Yet many do not understand how their business can be compliant with the E-SIGN Act.

First we need to understand that E-SIGN (additional E-SIGN analysis here), in section 101(b) does not require people to use electronic signatures. When electronic signatures are used then Sub-section (c), in direct support of (b), requires a “Consumer Disclosure” that the consumer also “consent electronically, in a manner that reasonably demonstrates that the consumer can access information in the electronic form that will be used to provide the information that is the subject of the consent”.

As we can clearly see, the law outlines a two step process to signing files electronically. First, disclosure of the consumer’s right to use paper, which is followed by their consent to the electronic process. The second phase is the actual capture of the electronic signature.

Once the signature is captured the law directs its attention to the electronic record that has now been created. This aspect of the law, while often overlooked, provides the true power and cost savings of electronic signatures - the ability to STORE electronic files. Printing and storing a paper copy of the electronic record defeats the achievements of this law. It is the accessibility and cheap storage costs of electronic files that really amount to long term cost savings. Sub-section (d) details the retention of contracts and records. If a “statute, regulation, or other rule of law requires” the file to be retained then “that requirement is met by retaining an electronic record”.

Accuracy and availability are discussed in both (d.1.B) and (e). The record must be available to all parties involved; this is easily accomplished by allowing each signatory to save an electronic copy of the record on their own computer. The electronic record and signature created must be in a format that is both accurate and accessible. Meaning that the technology to read, display and transfer the record is of a generally acceptable form. This aspect of the law requires businesses to choose electronic signature services that provide them with flexibility.

PrivaSign provides a multi-step approach to “Consumer Disclosure”, by providing multiple disclosure messages to the signatory. Acknowledgement of this disclosure is captured as proof that the consumer was informed, and did accept to use an electronic process.

PrivaSign’s “electronic records” are compliant with both sub-section (d) and (e). PrivaSign stores all files for a minimum of 3 months. Additional storage maybe purchased or at anytime during the 3 months both sender and recipient may download the file so that they may be in compliance with any applicable laws. This downloaded file can be saved to their computer, saved to a portable medium (CD, DVD or others) or even printed to paper. PrivaSign captures file integrity hashes so that all parties can verify the integrity of saved files.

PrivaSign allows any file type to be electronically signed. This increases the availability of the electronic record as described in (d.1B) and (e) and gives each business the ability to select the best electronic format for their clients.

By: Isaac Bowman

Isaac Bowman is Vice President of the Electronic and Digital Signatures International Standards Commission and an IT business consultant. He graduated form UT of Dallas with a major in Information Systems. Isaac Bowman has published over 50 articles on electronic signatures and completed the largest online resource for electronic signature laws and regulations.

ibowman-articles@privasign.com
http://www.isaacbowman.com
Additional Law References

A surge protector [AKA surge suppressor] is an electrical plug-in device designed to distribute safe electrical voltages to other electrical or electronic devices. Surge protectors resemble power strips in appearance; however, they are more sophisticated and deliver a constant, continuous power supply.

In addition to connecting multiple devices to a single power source, surge protectors provide protection from frequent problems that plague conventional utility power. The most common of these problems are surges (temporary increase of voltage) and brownouts (temporary decrease of voltage). These disturbances slowly degrade many power supply units and cause premature equipment failure. The rising demand on our nation’s power grids is causing more brownouts than ever before (Gamble; Power Protect Your Computer).

The Inside of a Surge Protector

Toroidal Choke Coil: The toroidal choke coil is an electromagnet wrapped in wire. It filters out line noise as the hot wire passes through it.

Metal Oxide Varistors (MOV’s): An MOV has three parts: a piece of metal oxide material in the middle and two semiconductors joined to the hot and ground wire. As a protective connecting unit it shifts unsafe voltage levels to the ground wire.

Neutral Wire: The neutral wire is common in modern wiring practices for safety. It is used in conjunction with the hot wire and the ground wire.

Hot Wire: The hot wire holds the passing current which contains excess voltage.

Fuse: A fuse is a resistor used to protect the wiring from getting too hot. Fuses “blow or burn out”, thereby preventing the electrical current from traveling further.

Ground Wire: The ground wire protects users from getting an electrical shock. It receives excess voltage from from the MOVs.
Most surge protectors contain a parallel circuit design whereby the extra voltage is fed away from the standard path to another circuit. Another design is a series circuit where the electrical current is slowed; moreover it detects high voltage, stores the electricity, and releases it gradually (Harris).

The majority of the electrical currents diversion is done through the metal oxide varistor or MOV. The MOV acts as a pressure-sensitive valve: based on the level of voltage, the electrons in the semiconductors behave differently either creating lower or higher resistance. When the voltage is correct, an MOV doesn’t do anything (Harris).

Specifications and Quality Considerations

Energy Absorption: Surge processors are measured in joules (the amount of energy they can absorb). The higher the number, the better the protection: 200 joules provides basic protection, 400 is good and 600 or high is superior protection.

UL1449: Standard rated by Underwriters Laboratories as the minimum protection standards for surge protectors. It rates suppressors by the amount of voltage passage they allow.

Protection Indicator: LED indicator as to metal-oxide varistors functioning. MOVs do not last forever - one lightening strike can fry them out.

Line Conditioning: Most surge protectors contain this feature. It filters out line noise using a toroidal choke coil to “condition” the current.

Power Switch: There are manual on/off power switches as well as circuit switches. Circuit switches are useful for keeping some components running while others are shut off.

Circuit Breaker or Fuse: A fuse is a resistor that can conduct current below a certain level. If the current is higher than acceptable, heat burns the fuse and cuts off the circuit. Breakers are more economical than fuses as they do not have to be replaced.

Protection Guarantee: Read the terms and conditions carefully! It is important to understand your consumer rights in the event of damage to devices your surge protector neglects to protect (Kozierok).

According to data published on Hewlett Packard’s website, recent statistics reveal 63 percent of all electronics casualties are the result of a power related problem. Most affected are devices using computer chips and high-speed microprocessors. Unprotected computers can suffer hardware degradation and extensive damage when exposed to power surges (Power Protect Your Computer).

The cost of a surge protector varies greatly depending on user needs. Basic models sell for as low as $10 but one should be cautious as to the capabilities these units offer.

NOTE: It is important to connect all peripheral equipment to the surge protector for complete protection. This includes phone jacks, modems, cables, and any other external devices that will receive electrical current.

All visuals have been removed from this article to comply with the publishing rules for this site.

Additional Resources

Gamble, T. “Storm Season” www.bestbuy.com 15 Sep. 2004
http://www.bestbuy.com/site/olspage.jsp?id=pcmcat31600050019&type=category

Harris, T. “How Surge Protectors Work”
www.computer.howstuffworks.com 15 Sep. 2004
http://computer.howstuffworks.com/surge-protector2.htm

Kozierok, C.M. “External Power Problems” www.pcguide.com 15 Sep.
2004, http://www.pcguide.com/ref/power/ext/probs.htm

Power Protect Your Computer, www.hp.com 15 Sep. 2004
http://h71036.www7.hp.com/hho/cache/764-0-0-225-121.aspx

T.L. McMullen
Equity Zip Financial
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