What Is A Paydex?

What Is A Paydex?

A Paydex is a score given to a business by Dun & Bradstreet.

Dun & Bradstreet is a businesses credit reporting agency. They collect information on and sell reports and credit scores for every business almost everywhere in the world. The credit score given by Dun & Bradstreet to show how timely a business pays his bills is called a Paydex score.

Dun & Bradstreet collect this information from banks credit agencies and businesses both on the national and local levels. They gather and manipulate this information to compile reports on which businesses pay or don’t pay their vendors on time.

The higher your Paydex score is, the better your payment history is with Dun & Bradstreet. If you’re Paydex is 80 or higher you have a phenomenal business credit score and should have no problem getting approved by vendors for lines of credit, credit cards, loans and equipment for your business. (Age and other factors play a role, but from a computer generated approval for example, on small ticket purchases, you should not have a problem.)

Let’s pick an example.

Say I want a line of credit with the Home Depot. I go to the store or online to their website-and then go to the business credit card tool. I then choose the revolving business credit line. After entering all the information they request someone from Home Depot’s credit department will take a look at my business credit file. While my file might be fairly new or empty or activity, there are certain things they will want to see to make sure that this request for credit is coming from a legitimate business and not from a half hatched, home based, Italian ice selling enterprise.

What makes a business legitimate in the eyes of Vendors and Suppliers?

Although businesses can be home-based and be legitimate, as many are, and although businesses can be based at major corporate buildings and still get not be legitimate and only using the address as a “front”, there are several things that a credit analyst for a company as well as unrest to themselves would look at to see the likelihood of this business applying for credit is, in fact, a legitimate business entity.

The first thing a vendor will look for is- does the business have a listing with 411? Another is, how many square feet does the business have? Is that amount of square footage realistic for the type of business that this business claims to be and for the type and amount of credit it’s applying for? Is the business based out of a P.O. Box or mailboxes etc. type location? If it is, did the customer Claim that that is the physical location of the business itself?

The Vendors software will figure out based on the information they have on your firm certain warnings to watch out for and certain things which they would want to verify regarding your business before extending credit to you.

Here’s a tip: when you buy products from the companies that grand credit easily for example NEBS, Uline, or other such companies that grant credit easily to new and unknown businesses; make sure you pay them as soon as possible. You should even consider paying them before you get the bill. As soon as the product arrives – Pay.

This is because, unlike your personal credit score which is not affected as long as you pay on time by the due date, your Paydex score changes based on the number of days it took you to pay your invoice. That means that if your bill is due in 21 days (net 21) or in 30 days (known as net 30) and you paid on day 21 your Paydex score would probably be something around 80 if that were the only thing affecting the score because you paid on the date it was due.

If you paid a few days after the date due, your business credit score would probably be something around 75. However if you paid several days before the date due your credit score will be higher and closer to 85 or even 90.

Having a 411 listing in the directory as a business is of utmost importance. Experience shows that the success or failure of a new and/or home based business and the likelihood of the business failing is directly connected to the amount of energy and investment the owners put into starting it. When the owner doesn’t have much invested when a business is home-based, the company will still have a certain comfort level in seeing that you went and got a business phone line are not just using a personal phone line as a business to save a couple of dollars every month.

Even if you’re not listed in the Yellow Pages itself which may charge money for a basic listing, the fact that when they call your local Directory Assistance (411) they can verify that it is a business. Having the phone number as a business phone line shows that you have, in fact, done the steps necessary to be a business which is here to stay, even though you are based from home. They would feel comfortable that you will sweat out the tough beginnings of starting a company because you invested your money, your time, and your energy into making the business stand on its own two feet.

But what happens if you have a payment due and you can’t pay on time?

It is imperative that if you have a payment due and you cannot pay on time, that you contact the vendor and make alternate arrangements before the payment is due. This is because your Payment Pattern at D&B, in addition to your Paydex, will change in a yearly if Dun & Bradstreet’s model feels that you are less likely to pay your bills on time in the future.

Having a low Paydex score will significantly reduce your access to credit. If you’re Paydex is currently under 70, you should focus and work diligently to raise your Paydex to 75 or even better, to 80 or above before applying or seeking new credit for your business. Be its equipment leasing, vendor credit lines, or even a business partnership with another business, since many other businesses will check your Duns Report and Paydex score before doing any partnership with you. Also note that your competition can and many times do buy your Business Credit Report from D&B. and any information you provide them with on their website or if they call you up, will be reported on your profile and potentially quite easily to your competition.

Dun and Bradstreet is not a government agency. It is a private, profit-making enterprise, which must be dealt with carefully to get the benefits from and yet avoid the pitfalls of them using your information against you.

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voip michigan

voip michigan

VoIP Michigan, Providing Great Quality Communications Solution

The state of Michigan is one of the most preferred locations by most Americans to retire or to raise a family. In this state, you can expect finding the job you want, finding good schools and educational benefits for your children, and it is also a place where everyone can enjoy.

Michigan is famous for the Great Lakes. Because the state is situated next to it, you can enjoy great boating experience with your family. This state is also famous for fishing. So, if you enjoy boating and fishing, the State of Michigan is the place you would probably want to live in.

In Michigan, VoIP is now readily available. If you live in Michigan, and you already have an active high speed internet connection, you too can avail of the VoIP services. First of all, you need to understand what VoIP is and how you can benefit from it.

VoIP stands for Voice over Internet Protocol and is sometimes referred to as Internet Voice. This particular tool is very much like your conventional landline telephone. However, unlike your conventional landline telephone, VoIP will be able to provide better quality and cheaper communication with your family, friends and your business associates.

One great feature of VoIP is that long distance and overseas calls are much cheaper than conventional landline phones. In fact, when you compare a 5 minute overseas call from a conventional landline phones to a VoIP phone, you will see that the overall cost in the call made from VoIP is only a fraction of what you will spend on conventional landline phones.

Another feature of VoIP is that it offers features, which you would consider as additional features in conventional landline phones, as standard features. Features, such as three-way calling, caller ID, return call, call waiting, audio conferencing, and video conferencing are provided as standard features in VoIP. This means that you will never pay a single cent to use these services unlike in conventional landline phones where they will charge extra for each of the features mentioned.

As you can see, VoIP can definitely give you a lot of value for your money. In fact, VoIP offers are so affordable that some people consider it as too good to be true. If you want to take advantage of VoIP and have one in your own home, you can consider calling your nearest VoIP service provider in your area and inquire about their services.

Today, there are quite a few VoIP service providers existing in Michigan today. If you live in the State of Michigan, you should consider subscribing to one of these service providers in order to use VoIP right in the comforts of your own home or in your business in Michigan.

Here are the different VoIP service providers existing in Michigan today:

• Packet8 VOIP Michigan
• Sunrocket Michigan
• Iconnecthere Michigan
• MyPhoneCompany Michigan
• Vonage Michigan
• Verizon VoiceWing VOIP

All these companies offer great VoIP services and offer it at a very low monthly fee. Some of these companies offer an IP phone for free or you can purchase one at their company if you need additional IP phones.

Michigan also takes advantage of the E911 feature for VoIP. The Enhanced 911 feature is the solution for emergency calls made through VoIP phones. The state of Michigan is now pressuring VoIP service providers to have this feature integrated in their VoIP system.

Depending on your DSL connection in Michigan, VoIP will work very effectively and efficiently. So, if you plan on getting VoIP for your home or for your business, you should consider checking your DSL connection first and determine if it is able to provide quality service to avoid low quality transmission and reception of VoIP data signals through the internet.

So, if you want a phone that is able to offer great value for your money, or if you want a phone system that offers very low rates for long distance and overseas calls, VoIP will be able to provide you with this service. In Michigan, VoIP is now readily available. All you have to do is call the company that appeals to you most and also the company where a lot of people are subscribed in. A VoIP service provider with a lot of subscriber means free calls and also means that it is trusted by a lot of people.

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voip phone companies

voip phone companies

How to compare VoIP phone companies and deals

When you are subscribing VoIP service, you can have access to the world for a lesser cost without compromising the call quality. Moreover, you can also enjoy the features offered by VoIP phone companies which are not possible with the regular analog phone.

There are few things to know about the VoIP system. The operation is simple and largely similar to the traditional telephone.

VoIP or Voice over Internet Protocol is also referred as the broadband phone. It uses the vast power of high speed internet to transmit your voice by converting it to digital signals which will be processed by the computer software. The software will be provided by the VoIP phone company.

VoIP services can be classified as either phone-based or computer-based. When using the traditional phone, it must be connected to an adapter to make or receive calls. On the other hand, you will also need a microphone and the software to make calls with your computer.

Contrary to the traditional telephone, when you make a call through your VoIP phone, your call is manipulated through the high speed internet connection and not on copper wires. In this manner, you get faster access and better call quality.

The advantage of availing VoIP services is that you can take it with you when even when traveling as long as you have the adapter with you and there is an active internet connection. In this manner, you can make and receive calls as if you are in your business place or at home. Plus, you won’t be charged for an additional fee for this convenience.

To make a call, simply dial the number through your VoIP phone just like when placing a call with the traditional landline. As with your computer, you make a call through your headset and microphone which are plugged into the computer. Most VoIP phone companies allow you to make calls to any local, international, long distance or mobile number.

When you have calls, the VoIP phone rings or the computer software will alert you.

The quality of voice when using the VoIP service can be abreast or even exceed the level of quality of the traditional landline. This will depend greatly on the quality and speed of your broadband connection so make a good choice of a partner company.

You might wonder, will it necessitate you to own a computer to avail of VoIP services? Well, you won’t have to. The VoIP provider provides the adapter, which is often free of charge and is used to connect the phone to the broadband. However, the computer is a helpful tool for you to utilize the additional features of your VoIP phone company.

There are differences in terms and services for every VoIP phone company so it is wise to read credible reviews. You will learn more about the company’s pros and cons straight from their subscribers.

When choosing a VoIP phone company, make sure that it will allow you to call even a regular phone network. Not all providers offer this. Also, make sure that you can enjoy the conference calling, a VoIP feature that allows you to speak to more than one person at a time.

Surely, your primary consideration is the call rate which varies again with each provider. Anyhow, VoIP has comparatively low long distance rates compared to the same call placed through the analog phone. Additionally, there are also VoIP providers that offer free and unlimited long distance calls.

To help you decide on which provider you will subscribe, VoIP companies offer a trial service for a month. This means that you will not be tied up to the conditions within 30 days plus the guarantee to return your money if they don’t meet your needs.

There are basically six plans to choose from. They are as follow:

• Home
• Business
• International calls
• Computer to Phone
• Computer to Computer
• Cable phone service

Each plan has additional features to offer. Depending upon your preference and needs, choose the plan that suits you.

Always keep in mind that when choosing the provider to work with, your topmost concern should be the reliability and quality. Do not be hesitant to ask for information before signing up.

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cisco voip training asterisk voip hosted pbx

cisco voip training asterisk voip hosted pbx

Cisco Training Courses: All about Asterisk VoIP Hosted PBX

In today’s world, fast and reliable communication systems are very important. This is why many people are now using the internet and telephone systems in a daily basis and in fact, these tools are even considered as two of the most important communication equipments today.

With the telephone, you will be able to communicate with your family, friends and even your business associates. It provides a fast and reliable way to communicate with people wherever you are in the world. This communication tool is so important that companies today can never survive without it. Almost every homes and large companies today have telephones installed in their homes.

Another tool for communication that is also considered as one of the most important communication tools is the internet. The internet provides a cheap way to communication with your family, friends and business associates. Through emails and instant messengers, you can instantly send letters and chat for free.

Today, the communications industry has made another breakthrough in improving the way you communicate. This system is called Voice over Internet Protocol or VoIP for short, or also known as Internet Voice. This communication system is very much like your conventional landline telephone system but much better. In fact, many people are now considering getting rid of their old conventional landline phones and convert their subscription to VoIP.

This is because VoIP offers a lot of services and benefits to their clients that conventional telephone systems cannot. First of all, VoIP uses the internet to transmit and receive data. This means because it uses the internet, your voice is converted to digital data and sent to the other end of the line. Because it uses the internet and uses digital data, communication is much reliable, much faster, and also much clearer than conventional landline telephones.

Another great thing about VoIP and its internet usage is that it provides low cost or even free long-distance or overseas calls. Try calling someone overseas for five minutes using a conventional phone and a VoIP phone. You will see that VoIP provides clearer and faster communication. Also, when your monthly bill arrives, you will also observe that the cost of the overseas call made through VoIP is much lower than the same call made with your conventional landline phone.

These are only some of the benefits of VoIP. What if you need a PBX for your company? You will notice that it will usually be very expensive to do this with conventional telephone system. However, with VoIP, you will see that it will be much cheaper and more reliable. IP PBX will work just like a conventional PBX. However, this will be based on VoIP systems and will be connected to the internet to communicate instead of phone lines.

VoIP is now widely available today. VoIP service providers are now advertising their services online and are also offering business VoIP. However, if you want to have your own VoIP in your home and you also want to join the company that provides VoIP, you have to learn how to install different kinds of VoIP.

Cisco Training Courses are now offering VoIP installation courses. One such course is the Asterisk VoIP Hosted PBX.

They provide comprehensive training materials to better teach you how to install VoIP in homes and offices. You can see that VoIP can definitely benefit homes. However, you have to consider that the Asterisk VoIP Hosted PBX is for large companies that needs reliable communication systems.

With Cisco, you will learn all about the different VoIP PBX hardware business solutions and its uses. The Asterisk VoIP Hosted PBX networks all your office phones into a single line of communication that is connected through the internet.

IP PBX is one of the most useful tools that you can have in your office. With this hardware, all communication systems in your company are controlled.

So, if you are planning to install VoIP in companies, you should consider taking Cisco VoIP Training Courses. This will include hands-on training with Asterisk VoIP Hosted PBX. Working with VoIP is definitely one of the best jobs in the world. Consider the fact that VoIP is now getting more and more popular and is fast replacing conventional telephones because of the benefits it offers.

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Voip Companies And Voip Networks Are Increasing The Coverage

Voip Companies And Voip Networks Are Increasing The Coverage

One of the main consumer concerns that slowed the early trend towards VOIP phone services was the concern that phone communication done via Internet would not have enough network coverage to allow for appropriate use for the common individual. When many people think of VOIP, they think of a phone that can only be used when sitting next to a home computer at home, but this is hardly the case, and the available network of areas that can use VOIP continue to grow every day!

VOIP phone systems offer an alternative to the older landline telephone services. There are many large, as well as other smaller local companies, who are involved in providing VOIP service, and as the network size continues to increase, so does the demand for service. While larger cities tend to have better coverage networks for VOIP services than other more rural places, the network of coverage continues to grow, allowing for more and more people to take advantage of VOIP networks.

There are many different options for which network you can hook up with. Much of that will depend on what type of VOIP service providers are in your area. There are many companies that act as service providers, including Skype, VoiceGlo, and Vonage, among many others. Vonage is by far and away the best known of all VOIP services, and has a distinct advantage in that it can offer a full range of services because it has one of, if not the, best network of any VOIP provider.

Vonage is mid range as far as pricing goes, and gives some of the best service. Vonage not only can replace your normal phone line at home, but with the addition of a VOIP phone, you can also have a portable phone to take with you. A VOIP phone has service wherever you can go online with the Internet, and many cities are making plans to increase the numbers of areas where free “wi-fi” will be available, which will do for portable VOIP phones what cell towers did for the cell phone.

So what about VOIP at home? The software for VOIP is online and can easily be downloaded to the computer. Once this is done, you can communicate with any friends, associates, or family that has the same software, but instead of running up the phone bill, you don’t get charged long distance: you just pay for the original service and then from your home your phone service acts exactly as it would otherwise.

You even use the phone, except technically you are calling through the computer instead of an old phone line, which saves you a lot of money if you are trying to save on long distance costs. From any house with Internet and VOIP, you have the ability to call anyone else with Internet and VOIP, and you don’t have to worry about chatting too long, or about what parts of the day, night, or weekend you need to call, because you’re not getting charged.

In that sense, VOIP networks are rapidly becoming as efficient as many of the more traditional phone company networks, and even more so than some cell phones.

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Special Considerations for Small Business Phone Systems

Special Considerations for Small Business Phone Systems

Small businesses have special needs, especially in comparison to larger, more established companies. The term “small business” often really refers to “new business”, in that many small businesses that have been around for a while are as large as they are likely to ever become simply because of the type of business they are. Some small businesses, however, are destined to become large businesses. These companies in particular need to weigh the considerations of their unique situation when purchasing a business phone system. Knowing one’s options when it comes to business phones can save a substantial amount of money and time.

If a company is in a physical location that will be able to meet it’s needs for many years to come and their number of employees is well into the double digit range, they may wish to go with a Private Branch Exchange (PBX) system. PBX systems offer increased expansion capabilities and can come with more available features for the end user. Installation expenses for PBX systems can be extremely high, however, and should be factored in any organization’s business phone system budget.

The alternative would be to use a Key System. Key Systems are cheaper and require less in the way of installation expense. Still, they are only expandable to provide service to thirty or forty terminals. For businesses that will eventually require more handsets than Key Systems are capable of supporting, replacement with a PBX system would be inevitable.

The worst case scenario would be for a business to buy a phone system that barely meets it’s current needs only to find that it will have to be replaced soon after. Properly planning for growth will help any business end up with a phone system that can expand with it’s expansion and allow the most value for the overall investment. Like any business investment, phone systems do not last forever, so it is often unnecessary to purchase the very best (and most expensive) system on the market. Still, it does pay to purchase a business phone system that is certain to meet your company’s needs, both now and well into the future.

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VoIP 101 (2)

VoIP 101

For those who have never heard about the potential of VoIP, be prepared to radically change the way you think about your current long-distance calling plan. VoIP (Voice over Internet Protocol) is very simply, a method for taking ordinary analog audio signals and turning them into digital signals that can be sent over the Internet.
So what? Well, for those of you who are already paying a monthly fee for an Internet connection, this means that you can use that same connection to place free long distance phone calls. This process works by using already available VoIP software to make phone calls over the Internet, essentially circumventing phone companies and their service charges.
Interestingly, VoIP is not an entirely new thing. In fact, a number of providing companies have been around for some time. But it has only been with the more recent explosion of high-speed internet access usage, that VoIP has gotten any attention. Now the major telephone carriers are setting up their own VoIP calling plans throughout the US, another testament to the potential of the technology.
How VoIP Is Used
While there are a number of ways that VoIP is currently being used, most individual callers fall into one of three categories: ATA, IP Phones, and Computer-to-Computer.
ATA or Analog Telephone Adaptor, is the most common way of using VoIP. This adaptor actually allows you to hook up the phone that is already in your house, to your computer, and then your Internet connection. What the ATA does, is turn the analog signals your phone sends out into digital signals that can be sent over the Internet. Setting up this system is quite simple. It simply requires that you order an ATA (its an adaptor remember), plug the cable from your phone which would normally go into the wall socket into the ATA, and then the ATA gets plugged into your computer, which is connected to the internet. Some ATAs include software that has to be installed on your computer before its ready, but basically it’s quite a simple process. Then you are ready to make some calls.
The next type of VoIP usage utilizes IP Phones instead of your home phone. The IP Phone looks just like a normal phone, with all the same buttons and cradle, the only difference is that instead of having a normal wall jack connector, it has an Ethernet connector. This means, that instead of plugging in your IP phone to the wall jack like you would with a regular analog phone, it gets plugged directly into your router. This option allows you to circumvent your personal computer, and it also means that you will not have to install any software, because its all built in to the handset. In addition, the fact that Wi-Fi IP phones will soon be available, which will allow subscribing callers to make VoIP calls from any Wi-Fi hot spot, make this option an exciting possibility.
The simplest and cheapest way to use VoIP is through computer-to-computer calls. These calls are entirely free, meaning no calling plan whatsoever. The only thing you need, is the software which can be found for free on the internet, a good internet connection, a microphone, speakers, and a sound card. Except for your monthly internet service fee, there is literally no cost for making these calls, no matter how many you make.
For large companies, VoIP also offers some very unique possibilities. Some larger companies are already utilizing the technology by conducting all intra-office calls through a VoIP network. Because the quality of sound is comparable to and in some cases surpasses that of analog service, some international companies are using VoIP to route international calls through the branch of their company nearest the call’s destination and then completing it on an analog system. This allows them to pay local rates internationally and still utilize the same intra-office VoIP network that they would if they were calling someone in the next cubicle over.
Other Advantages of VoIP
While your current long-distance plan covers you for only one location, say calls made from your office, with VoIP, you can make a call anywhere that you can get a broadband connection. That is because all three methods above, unlike analog calls, send the call information via the Internet. This means you can make calls from home, on vacation, on business trips, and almost anywhere else. Anywhere you go, with VoIP you can bring your home phone along with you. In the same way, computer-to-computer connections mean that as long as you have your laptop and a connection, you’re ready to go.
There are also some nifty benefits to having your calls transmitted over the Internet. For example, some VoIP service providers allow you to check your voicemail via your e-mail, while others allow you to attach voice messages to your e-mails.
How VoIP Works
The current phone system relies on a reliable but largely inefficient method for connecting calls known as circuit switching. This technique, which has been used for over 100 years, means that when a call is made between two people a connection is maintained in both directions between callers for the duration of the call. This dual directional characteristic gives the system the name circuit.
If, for example, you made a 30-minute call the circuit would be continuously open, and thus used, between the two phones. Up until about 1960, this meant that every call had to have an actual dedicated wire connecting the two phones. Thus a long distance call cost so much, because you were paying for pieces of copper wire to be connected all the way from your phone to the destination phone, and for that connection to remain constant throughout the call. Today, however, your analog call is converted after leaving your house to a digital signal, where your call can be combined with many others on a single fiber optic cable. While this system is certainly an improvement over the past copper wire system, it is still quite inefficient. This inefficiency is due in part to the fact that the telephone line can’t distinguish between useful talking and unneeded silences. For example, in a typical conversation while one person is talking the other person is listening. Thus the current analog system uses roughly half its space sending useless messages like this silence. But there is also more information, even down to pauses in speech, which under a more efficient system can be effectively cut out rather than wasting the circuit space. This idea of only transmitting the noisy bits of a telephone call and saving a great deal on circuit space, is the basis of Packet-Switching, the alternative method to circuit switching that the VoIP phone system uses.
Packet-Switching is the same method that you use when you view a website. For example, as you read this website, your computer is not maintaining a constant connection to the site, but rather making connections to send and receive information only on an as needed basis (such as when you click on a link). Just as this system allows the transfer of information over the Internet to work so quickly, so also does it work in the VoIP system. While circuit switching maintains a constant and open connection, packet switching opens connections just long enough to send bits of data called packets from one computer to another. This allows the network to send your call (in packets) along the least congested and cheapest lines available, while also keeping your computer or IP phone, free to send and receive messages and calls with other computers. This way of sending information, not to mention data compression, makes the amount of information which must be transmitted for every call at least 3-4 times less for VoIP than the exact same call in a conventional telephone system. For this reason, VoIP is so much cheaper than conventional calling plans.
The Future of VoIP
While most analysts believe it will be at least a decade before companies and telephone providers make the full switch to VoIP, the potential for the technology’s use today is already quite astounding. A report by the Forrester Research Group predicts that by the end of 2006, nearly 5 million U.S. households will be using VoIP phone service. With the savings and flexibility that the technology already offers, and new advances just ahead on the horizon, we can expect those numbers will only increase in the future.

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