Wednesday, January 30, 2013

Ford Motor Company - Case Study

Background (General Facts)

Ford Motors is one of three leading automotive manufacturing companies in the United States. Based in Michigan in 1903 by Henry ford and grew to reach revenue of 0 billion and more than 370,000 employees by 1996 [1]. In the 1970's, the automobile market for the major auto makers - General Motors (GM), Ford, and Chrysler- was crunched by competition from foreign manufactures such as Toyota and Honda. In 1999, Ford acquired the Swedish Volvo model in an attempt to compete in the foreign market and expand to other regions. Furthermore, Ford launched a full organization re-engineering business process plan called "Ford 2000" aiming at reestablishing the company's infrastructure. The process meant reduction in their Vehicle Centers (VCs) to only five covering the operations that spanned 200 countries. It also meant cutting redundancies and requiring Information Technology (IT) to be the driving force and the link between Ford centers worldwide.

In building Ford's IT infrastructure, the company focused on implementing a setup that supported the TCP/IP communication protocol based on the U.S. department of Defense requirements. At those days, Ford internal network was meant to serve files transfer unlike most companies that used the network mainly for email communications. Throughout the 1990's, Ford developed a cost effective Global Enterprise Network Integration (GENI) process to link all its locations compromising on the type of the connection and the cabling in favor of full coverage. During the same time, Ford started building its Web Farm, which was basically a set of hardware and software managed by a team for building Ford's public website. The work started by publishing documents for technical references and moved to more advanced images from a live auto show. As a result, the website received 1 million visits a day in less than 2 years after its official launch. Throughout the end of the 90's, Ford established its web services by increasing the amount of information published, building more intelligent and standard web application in 12 weeks period, purchasing more Netscape browsers for setup on its users' machines, and creating a B2B server to allow the suppliers secured access to Ford's Intranet.

Ford Motor Company - Case Study

In the path towards service cost reduction and bringing more business through the web, Ford worked closely with its competitors in the U.S. market GM and Chrysler to establish what came to be known as "Automotive Network Exchange" (ANX) certificate. The protocols aimed at providing a unified communications standard through the Internet to enable suppliers to provide common technology for all manufacturers. Moreover, Ford focused on making information on its web site more accessible and useful by deploying a team to manage the process of adding and updating information based on an analysis of how humans deal with information. One final aspect of Fords endeavor was to try to build a model through its infrastructure that benefited from the model implemented by Dell computers to improve their supply chain and delivery process. The direct model would not work well for automotives as it would with computers, as a result Ford worked on its retailing network remodeling and identifying what would eventually give it the extra edge in delivery time.

Enterprise Architecture Issues

Ford's regional expansion to address the competition for market shares demanded cost management for the infrastructure upgrades IT infrastructure places limitations on the type of application development based on the platforms Easy access to information and prompt delivery of vital data to key individuals requires proper knowledge managementOrganizations reengineering and process remodeling is necessary when adapting new technologies to maintain the cost and increase efficiency Supply chain errors and delays can severely affect the progress of the business and the market value of the corporation
Analysis

Infrastructure Upgrade

Since the inception of the Internet in the 1960's, much effort has been made in standardizing how computers connect to it. In 1982, the International Organization for Standards (ISO) realized that during that period many ad hoc networking systems were already using the TCP/IP protocol for communications and thus adapted it as a standard in its model for the Internet network [2]. The main driver for IP convergence, at that period, was the growth in data traffic through wide area networks (WANs) established by local companies. Furthermore, in 1991, the Internet was open for commercial use, and that demanded a reduction in the total cost of operating the network to cope with 1 million Internet hosts that materialized in only 1-year time. Telecommunications companies like AT&T understood the potential and worked on standardizing the network offering voice services over IP networks that managed the separation between voice and data transmission [3].

At the same time, Ford had launched its plan to update its infrastructure, and seized the opportunity brought by the global movement of integrating the voice, fax transmission network with data transmission and expanded its WAN to include its offices in Europe and elsewhere. The financial benefits also came from the fact that Ford adapted the TCP/IP protocol from the beginning and made sure that all its technical infrastructure upgrades adhere to the standards. This made the transition of its system to the Internet as cost effective as it could be.

Web Technologies

Intranets employ the hypertext and multimedia technology used on the Internet. Prior to 1989, when Tim burners-Lee invented the Web [4], most applications used standard development languages such as C and C++ to create desktop applications that were proprietary and dependent on the platform. For example, applications running on a command-based operating system such as UNIX would not run under Windows, and those working for PCs might not work on Apple computers and vice versa [5]. The invention of HTML (Hyper-Text Markup Language) introduced a new model for applications that conform to the standards provided by a single program, the "Web Browser". Unlike standard applications, the browser brought a unified interface that had a very fast learning curve. Users seem to require no additional training to work with web browsers. Furthermore, system administrators did not have to spend time installing upgrades on users' machines, since the Intranet client/server architecture facilitated all the updates through the connection with the web server [6].

Since Ford established its Intranet, it was aiming at building web applications through the initial analysis of "Mosaic", the early form of web browsers. The technical department at Ford used web languages to create the first web site in 1995. In 1996, the team started building applications making use of the unified "Netscape" browser that was deployed on all machines at the company, and working on a standard template to cut on the development life cycle. There was a substantial cut in training cost due to the user-friendly interface of web applications. Furthermore, the speed of development made vital applications available to different individuals across the company. For example, the B2B site allowed suppliers remote and secured access to various sections of Ford's Intranet. In addition, the development team created an application as a virtual teardown on Ford's website where Ford's engineers could examine parts of competitors' cars and evaluate any new technologies. The alternative would have been an actual trip to a physical location where Ford tears down cars to examine the parts.

Knowledge Management

While there are many definitions for knowledge, each company might adapt its own based on how it analysis data and information to acquire knowledge. The University of Kentucky, for example, defines knowledge as "a vital organization resource. It is the raw material, work-in process, and finished good of decision-making. Distinct types of knowledge used by decision makers include information, procedures, and heuristics, among others... " [7].

Organizations go through different activities to manage the amount of information they collect to form the knowledge base of the company. Activities include creating databases of best practices and market intelligence analysis, gathering filtering and classifying data, incorporating knowledge into business applications used by employees, and developing focal points for facilitating knowledge flow and building skills [8].

Ford was excited about the traffic it was receiving on the Web site and everyone was publishing all the material they have on desk on the Intranet. Nevertheless, there was a growing concern about the usability and usefulness of the material people were adding. As a result, Ford created a "Knowledge Domain Team" to build complete information in nine areas that were identified as vital to the business. The process Ford took was based on surveys and specialists input in how people perceive information, and what is considered vital and what is distracting in the structure of Ford's website. The aim behind the initiative was to reduce the time individuals spent in searching for information through proper indexing of the website content, and making sure that what was important could be accessed in due time, and what is trivial did not overwhelm the researcher with thousands of results.

Business Re-engineering

In the area of organization's re-engineering process innovation is the set of activities that achieve substantial business improvements. Companies seeking to benefit from process innovation go through the regime of identifying the processes, the factors for change, developing the vision, understanding the current process, and building a prototype for the new organization. History shows that organizations who define their processes properly will not have problems managing the issues and developing the change factors [9]. When introducing technology, business redesign is necessary. The industrial fields have been using Information Technology to remodel processes, control production, and manage material for generations. However, it is only recently that companies recognized that the fusion of IT and business would go beyond automation to fundamentally reshaping how business processes are undertaken [10].

When foreign companies were allowed to compete in the U.S. market, Ford understood that to succeed in business in a competitive arena it needed to implement strategies that competitors find difficult to imitate [11]. As a result, Ford bought Sweden Volvo to enter the European market, and partially owned Mazda to have a competitive edge with Japanese cars1 [12]. To achieve that it re-engineered its production development activities and global corporate organization and processes for dramatic cost reduction. Furthermore, it understood that expansion requires collaboration and alignment, and thus planned to establish the IT infrastructure through a WAN that connected all the offices. In the process of innovation and re-engineering, Ford has set policies to manage the cost of establishing the network, built models for continuous implementation, and organized global meetings to align all parties with the process. Adding to that, when it came to managing the website, Ford facilitated an awareness campaign for all the branches to understand that Ford is using the web to collaborate and research and adapting information technology as a way to maximize its business value. The goal for Ford was to maintain its leadership in the market and to do that in the most efficient and cost effective method that is there.

Supply chain management

Supply chain management (SCM) is about coordinating between suppliers, manufactures, distributors, retailers, and customers [13]. The basic idea that SCM applications revolve around is providing information to all those who are involved in making decisions about the product or goods to manage delivery from the supplier to the consumer [14]. Studies show that reducing errors in supply chain distribution, increases revenue, enhances productivity, and reduces the order-to-fulfillment period [15].

Ford often compared its supply chain process to that of Dell's, in an attempt to close the gaps in its own process and reach the level of success Dell has reached. The difference in the distribution model between Dell and Ford lies in the middle link of using retail shops. Since Ford cannot skip retail as a focal distribution point, it worked on establishing a network of retail shops that it owned. Ford made sure shops are not affecting each other in terms of sales, and gave them all a standard look and feel to establish itself in the consumer's market as a prestigious cars sales retail company. Furthermore, extensive re-engineering initiatives were undertaken to enhance Ford external network by eliminating the correlation with smaller suppliers. In that way, Ford made sure that key suppliers have access to forecasting data from customers' purchasing trends and production information to enable a faster order-to-delivery cycle. Ford vision was to create a model that allowed flexibility, predicable processes and delivered the product at the right time to the right consumer.

Conclusions

Ford is an example of how traditional organizations can mature to adapt what is current and maximizes the business value. The process that Ford went through necessitated the continuous support from management. In addition, it depended on alignment between those involved as a key for success. The correlation was not restricted to internal staff; it extended to cover competitors to reach mutual benefits, to work with suppliers to maintain similar grounds and adequate infrastructure, and to create training programs to educate all on the vision and organization's objectives.

Ford technical progress came at a time where the Internet was yet to reach its full potential. The introduction of Fiber-optic cables in the late 90's and the substantial increase in bandwidth would have helped Ford and cut on the cost in endured connecting its own offices. Furthermore, the ISP services that provided hosting servers were limited to only few players, which explained why Ford preferred to manage its own web server and maintain the overhead of the 24 hours uptime and backup.

From this case study, I understood the level of commitment large firms have to maintaining their position in the market. These companies know the revolving nature of business in the sense of how easy it is to fall back if they did not keep up with the change. The Ford process also shows the need for quick and resourceful thinking when faced with situations that might seem to be unfavorable. The way Ford ventured into the foreign market by acquiring local manufacturers was a strategic decision that did not only enabled Ford to merge with different technologies, but it also saved it the additional cost of establishing production centers in Japan and Europe.

Recommendations

Maintaining leadership in the market requires innovative organizations willing to reengineer to succeed. IT fusion with the business means restructuring and remodeling to understand the role IT would play to meet the business objectives Planning and modeling is vital when coordinating work with large teams. Constructing websites is not about content; it is about understanding what adds value and how humans interact with information. Knowledge management is a plan that companies need to develop as part of their initial business process modeling It is not wrong for large firms to try to adapt to successful processes implemented by other firms.
References

Robert D. Austin and Mark Cotteleer,"Ford Motor Co.: Maximizing the Business Value of Web Technologies." Harvard Business Publishing. July 10, 1997. harvardbusinessonline.hbsp.harvard.edu/b02/en/common/item_detail.jhtml;jsessionid=WDARNHINBSYKSAKRGWCB5VQBKE0YOISW?id=198006 (accessed July 30, 2008). Computer History Museum, Internet History 80's. 2006. computerhistory.org/internet_history/internet_history_80s.shtml (accessed July 30, 2008). Darren Wilksch and Peter Shoubridge, "IP Convergence in Global Telecommunications." Defense Science & Technology Organization. March 2001. http://www.dsto.defence.gov.au/publications/2400/DSTO-TR-1046.pdf (accessed July 30, 2008). Computer History Museum, Internet History 80's. H. Joseph Wen, "From client/server to intranet." Information Management & Computer Security (MCB UP Ltd) 6, no. 1 (1998): 15-20. R. Boutaba, K. El Guemioui, and P. Dini, "An outlook on intranet management." Communications Magazine (IEEE), October 1997: 92-99. Joseph M. Firestone, Enterprise Information Portals and Knowledge Management (OXFORD: Butterworth-Heinemann, 2002), 169. David J. Skyrme, "Knowledge management solutions - the IT contribution." ACM SIGGROUP Bulletin (ACM) 19, no. 1 (April 1998): 34 - 39, 34. Thomas H. Davenport, Process Innovation: Reengineering Work Through Information Technology (Watertown,MA: Harvard Business Press, 1993), 28. Thomas H. Davenport "The New Industrial Engineering: Information Technology and Business Process Redesign." Sloan Management Review 31, no. 4 (Summer 1990): 11-28, 12 Gary M. Erickson, Robert Jacobson, and Johny K. Johansson, "Competition for market share in the presence of strategic invisible assets: The US automobile market, 1971-1981." International Journal of Research in Marketing (Elsevier Science) 9, no. 1 (March 1992): 23-37, 23. Austin and Cotteleer, "Ford Motor " , 2. Henk A. Akkermans, et al. "The impact of ERP on supply chain management: Exploratory findings from a European Delphi study." European Journal of Operational Research 146 (2003): 284-301, 286 Thomas H. Davenport and Jeffrey D. Brooks, "Enterprise systems and the supply chain." Journal of Enterprise Information Management 17, no. 1 (2004): 8-19, 9. Kevin B. Hendricks, Vinod R. Singhal, and Jeff K. Stratman. "The impact of enterprise systems on corporate performance:A study of ERP, SCM, and CRM system implementations." Journal of Operations Management 25, no. 1 (January 2007): 65-82.

Ford Motor Company - Case Study
Check For The New Release in Health, Fitness & Dieting Category of Books NOW!
Check What Are The Top Cooking Books in Last 90 Days Best Cheap Deal!
Check For Cookbooks Best Sellers 2012 Discount OFFER!
Check for Top 100 Most Popular Books People Are Buying Daily Price Update!
Check For 100 New Release & BestSeller Books For Your Collection

Sally Ahmed is a webmaster , web technology analyst, and a developer for more than 7 years. Earned the Certified Web Professionals title from the International Webmaster Association in 2001. Worked as a technical Internet instructor at New Horizons computer learning center. Worked in several companies where she developed and planned over 20 websites . Holds a Masters degree in web technologies from the University College of Denver, CO. Currently working as a web technology consultant and an E-commerce manager for several local companies.

Saturday, January 26, 2013

Electronic Medical Billing Software, HIPAA Compliance, and Role Based Access Control

HIPAA compliance requires special focus and effort as failure to comply carries significant risk of damage and penalties. A practice with multiple separate systems for patient scheduling, electronic medical records, and billing, requires multiple separate HIPAA management efforts. This article presents an integrated approach to HIPAA compliance and outlines key HIPAA terminology, principles, and requirements to help the practice owner to ensure HIPAA compliance by medical billing service and software vendors.

The last decade of the previous century witnessed accelerating proliferation of digital technology in health care, which, along with reduced costs and greater service quality, introduced new and greater risks for accidental disclosure of personal health information.

The Health insurance Portability and Accountability Act (HIPAA) was passed in 1996 by Congress to establish national standards for privacy and security of personal health data. The Privacy Rule, written by the US Department of Health and Human Services took effect on April 14, 2003.

Electronic Medical Billing Software, HIPAA Compliance, and Role Based Access Control

Failure to comply with HIPAA risks accreditation and reputation damage, lawsuits by federal government, financial penalties, ranging from 0 to 0,000, and imprisonment, ranging from one year to ten years.

Protected Health Information (PHI)

The key term of HIPAA is Protected Health Information (PHI), which includes anything that can be used to identify an individual and any information shared with other health care providers or clearinghouses in any media (digital, verbal, recorded voice, faxed, printed, or written). Information that can be used to identify an individual includes:

Name Dates (except year) Zip code of more than 3 digits, telephone and fax numbers, email Social security numbers Medical record numbers Health plan numbers License numbers Photographs

Information shared with other healthcare providers or clearinghouses
Nursing and physician notes Billing and other treatment records
Principles of HIPAA

HIPAA intends to allow smooth flow of PHI for healthcare operations subject to patient's consent but prohibit any flow of unauthorized PHI for any other purposes. Healthcare operations include treatment, payment, care quality assessment, competence review training, accreditation, insurance rating, auditing, and legal procedures.

HIPAA promotes fair information practices and requires those with access to PHI to safeguard it. Fair information practices means that a subject must be allowed
Access to PHI, Correction for errors and completeness, and Knowledge of others who use PHI

Safeguarding of PHI means that the persons that hold PHI must
Be accountable for own use and disclosure Have a legal recourse to combat violations
HIPAA Implementation Process

HIPAA implementation begins upon making assumptions about PHI disclosure threat model. The implementation includes both pre-emptive and retroactive controls and involves process, technology, and personnel aspects.

A threat model helps understanding the purpose of HIPAA implementation process. It includes assumptions about
Threat nature (Accidental disclosure by insiders? Access for profit? ), Source of threat (outsider or insider?), Means of potential threat (break in, physical intrusion, computer hack, virus?), Specific kind of data at risk (patient identification, financials, medical?), and Scale (how many patient records threatened?).

HIPAA process must include clearly stated policy, educational materials and events, clear enforcement means, a schedule for testing of HIPAA compliance, and means for continued transparency about HIPAA compliance. Stated policy typically includes a statement of least privilege data access to complete the job, definition of PHI and incident monitoring and reporting procedures. Educational materials may include case studies, control questions, and a schedule of review seminars for personnel.

Technology Requirements for HIPAA Compliance

Technology implementation of HIPAA proceeds in stages from logical data definition to physical data center to network.

Role Based Access Control (RBAC)

RBAC improves convenience and flexibility of systems management. Greater convenience helps reducing the errors of commission and omission in granting access privileges to users. Greater flexibility helps implement the policy of least privilege, where the users are granted only as much privileges as required for completing their job.

RBAC promotes economies of scale, because the frequency of changes of role definition for a single user is higher than the frequency of changes of role definitions across entire organization. Thus, to make a massive change of privileges for a large number of users with same set of privileges, the administrator only makes changes to the role definition.

Hierarchical RBAC further promotes economies of scale and reduces the likelihood of errors. It allows redefining roles by inheriting privileges assigned to roles in the higher hierarchical level.

RBAC is based on establishing a set of user profiles or roles according to responsibilities. Each role has a predefined set of privileges. The user acquires privileges by receiving membership in the role or assignment of a profile by the administrator.

Every time when the definition of the role changes along with the set of privileges that is required to complete the job associated with the role, the administrator needs only to redefine the privileges of the role. The privileges of all of the users that have this role get redefined automatically.

Similarly, if the role of a single user is changed, the only operation that needs to be performed is the reassignment of the user profile, which will redefine user's access privileges automatically according to the new profile.

Summary

HIPAA compliance requires special practice management attention. A practice with multiple separate systems for scheduling, electronic medical records, and billing, requires multiple separate HIPAA management efforts. An integrated system reduces the complexity of HIPAA implementation. By outsourcing technology to a HIPAA-compliant vendor of vericle-like technology solution on an ASP or SaaS basis, HIPAA management overhead can be eliminated (see companion papers on ASP and SaaS for medical billing).

Electronic Medical Billing Software, HIPAA Compliance, and Role Based Access Control
Check For The New Release in Health, Fitness & Dieting Category of Books NOW!
Check What Are The Top Cooking Books in Last 90 Days Best Cheap Deal!
Check For Cookbooks Best Sellers 2012 Discount OFFER!
Check for Top 100 Most Popular Books People Are Buying Daily Price Update!
Check For 100 New Release & BestSeller Books For Your Collection

Know any health care providers who complain about shrinking insurance payments and increasing audit risk? Help them learn winning Internet strategies for the modern payer-provider conflict by steering them to Vericle - Medical Billing Network and Practice Management Software, which powers such leading-edge billing services as Billing Precision (http://www.chiro-billing.com), Billing Dynamix (http://www.pt-billing.com), and Affinity Billing, and is home for "Medical Billing Networks and Processes" book by Yuval Lirov, PhD and inventor of patents in artificial intelligence and computer security.

Wednesday, January 23, 2013

Served a Summons Or Credit Card Debt Lawsuit - Don't Call the Creditor!

I receive e-mails every week from people who have had the misfortune of receiving a summons notice on their doorstep or the joy of having a stranger sidle up to them and say, "You've been served."

Not fun. Oftentimes, these same people tell me that the first thing they did was to pick up the phone, call the collection agent or collection attorney in many cases and try to work out a payment plan or settlement agreement. This is WRONG, WRONG, WRONG.

Once you have been served a summons, this means that the collection agency is SUING YOU. You are being sued and the collection agency is now the Plaintiff and you are the Defendant. Any and ALL communication with the Plaintiff should be done via written correspondence only.

Served a Summons Or Credit Card Debt Lawsuit - Don't Call the Creditor!

It's too late for "I'll send you buck a month, I promise." Way too late. Now is the time to take responsibility for your financial future and face your fears (debt) head on. Even if the collector was to agree to a payment plan, they cannot be trusted. While you are "working it out" they could be in the process of putting a lien on your property and searching for your bank account information in order to seize your assets.

Here's what you need to do. First of all, DO NOT BE INTIMIDATED. This is difficult, after all I'm sure you feel badly about the debt in the first place and it's probably been haunting you for years. The sad truth is that many of these debt lawsuits are brought about on out-of-statute debt and the collection agencies and debt attorneys are notorious for re-aging the DOLA or Date of Last Activity on your credit report. It's in your best interest to dig up any old credit reports and bank statements to prove the the date of the last payment you made on the defaulted account. If that date is past your state's statute of limitations on open credit card debt, they have the right to try and collect, but they cannot sue you and must drop the lawsuit.

Additionally, very rarely is a debtor sued for the actual amount they owe...penalties, interest, and other assorted fees are generally tacked on to the balance. Make them prove their case!

There are many other defenses that can be raised against one of these collectors. The key is that you need to communicate with them through the court system. They don't expect you to fight back, over 96% of debt lawsuits end in default judgment. The chances of them backing off and dropping the lawsuit are HUGE if you take the time to properly format what is called a Notice of Appearance, Answer, and Certificate of Service.

It takes some time and research to properly file these documents, but it's your financial future at stake. A default judgment can not only freeze your bank account or garnish your wages but it will also ruin your credit for a minimum of 7 years. A few states offer basic templates for the forms you will need to file with the court, a simple Google search should offer up some resources. You can purchase Word templates (w/ affirmative defenses for third-party debt collectors) for the "Answer to Complaint" document and more at www.IHaveBeenServed.Info and alternatively there are very helpful people on several internet "debt" message boards who can offer up advice when drafting your own documents.

Additionally, you should fax and mail (certified, return receipt) a Cease & Desist Letter to the creditor informing them that they must communicate you with via written correspondence only and now that they know how to communicate with you they must refrain from contacting any of your neighbors, friends, relatives or employees in an attempt to collect their debt. If they violate your request, you can threaten to sue them for an infraction of the FDCPA (Fair Debt Collection Practices Act) which allows ,000 for each violation.

Now is the time to action. If you do nothing, the creditors will find your assets and take them. Bottom line. File your Answer and other supporting documents and wait and see. The best that can happen? They won't want to fight you in court and drop the lawsuit (they rarely have the supporting documentation to back up their claims) or you'll receive a courtdate and you'll be given the chance to work out a settlement agreement at that time. Either way you will have avoided a default judgement which is looked upon as poorly as bankruptcy in many cases.

Fight back! You have nothing to lose and everything to gain.

Served a Summons Or Credit Card Debt Lawsuit - Don't Call the Creditor!
Check For The New Release in Health, Fitness & Dieting Category of Books NOW!
Check What Are The Top Cooking Books in Last 90 Days Best Cheap Deal!
Check For Cookbooks Best Sellers 2012 Discount OFFER!
Check for Top 100 Most Popular Books People Are Buying Daily Price Update!
Check For 100 New Release & BestSeller Books For Your Collection

Jay Johnson is a credit repair blogger and debtor advocate. More information, including Jay's Pro Se Answer Templates, can be found at http://www.HowToAnswerACreditCardDebtLawsuit.com

Monday, January 21, 2013

Fast Cash Personal Loan - No Credit Check and Very Quick

You can get a payday advance with cheap rates and get up to 30 days to repay your loan. A payday advance is an unsecured loan used to solve your temporary financial needs. With the convenience of online payday advance companies, obtaining a payday advance loan is simple and quick. Often the money you need can be in your checking account as fast as the same day you apply for your loan. Payday loans range from 0 to up to 00 or more.

Cheap payday advances are available from numerous online sources. The length of a payday advance can be two weeks to up to 30 days. Bad credit is not an issue in applying for and receiving a payday advance. Online payday advance companies do not perform a credit check. You personal information is verified, sometimes in as little as an hour, and the cash you need will be deposited directly into your checking or savings account. Fees can range from as little as dollars per hundred borrowed to up to per hundred borrowed. Compare the rates charged by payday advance companies. Cheap rates are available to you even with bad credit.

Payday advances can be used for emergencies, to avoid bouncing checks, bank overdrafts, or to pay those unexpected bills that always seem to arise. Payday advances will not affect your credit score or credit rating. After receiving your cash you will have from two weeks to up to 30 days to repay your loan. Often lenders will allow you to extend the length of your loan and pay only the interest due when you receive your next paycheck. Even if you extend your loan, you can still get the cheap rates agreed upon in your original loan agreement.

Fast Cash Personal Loan - No Credit Check and Very Quick

Finding a cheap payday advance company is easy due to the many online lenders who are eager for your business. Find the cheapest rate possible, apply for your payday advance, and the cash you need will be in your hands in a short period of time. You will have up to 30 days to repay your loan and your temporary financial needs will be solved. Online payday advance companies may not require any faxing of documents such as your check stub and/or last bank statement while other require you to fax the documents in order to approve your loan. Shop for the best payday advance company with the cheapest rates. Online lenders are ready to assist you immediately.

To view our list of recommended online payday loan companies, visit this page: Recommended Payday Loan Companies.

Fast Cash Personal Loan - No Credit Check and Very Quick
Check For The New Release in Health, Fitness & Dieting Category of Books NOW!
Check What Are The Top Cooking Books in Last 90 Days Best Cheap Deal!
Check For Cookbooks Best Sellers 2012 Discount OFFER!
Check for Top 100 Most Popular Books People Are Buying Daily Price Update!
Check For 100 New Release & BestSeller Books For Your Collection

Carrie Reeder is the owner of ABC Loan Guide. ABC Loan guide is an informational website about various types of loans. The site has informative articles and the latest finance news.

Monday, January 7, 2013

What's The Difference Between Tier-1-Tier-2-And Tier-3 Bandwidth Providers To Your Business?

"Tiers" in the telecom world tends to have multiple definitions, depending on who you ask. What tier a bandwidth carrier is, is loosely defined at best and everyone has their own opinion of what tier a carrier might be. Here is my opinion:

Tier-1: [may be considered an RBOC or LEC - Regional Bell Operating Company or Local Exchange Carrier]

Tier-1 is a network in which only settlement free peers and customers are serviced. The network operator pays for none of it's transit.

What's The Difference Between Tier-1-Tier-2-And Tier-3 Bandwidth Providers To Your Business?

Tier-1 is the optimum network backbone for medium to large businesses with critical reliability, stability, and scalability requirements.

Tier-1 can be an advantage when it comes to handling DDoS attacks: if you ask/configure your Tier-1 provider to null-route an IP they will implement the null-route at their borders, so there is no point of saturation.

Examples of US Tier 1 carriers:

Qwest

AT&T (formerly SBC, Bell South, Southwestern Bell, Ameritech)

Savvis

Verizon (formerly MCI and UUNET)

Global Crossing

Level 3 (recently merged with Broadwing)

NTT Communications

Tier-2: [may be considered a CLEC (Competitive Local Exchange Carrier); has their own network, but also resells tier 1]

Tier-2 is where the network operator buys all or some of it's transit from a Tier-1 and resells it.

Tier-2 can be an advantage if you need someone to provide quality bandwidth, and especially if your need is a single install location. If you buy from Tier-1 #1 in New York, and #1 has a problem with its Tier-1 #2 peering router in New York, then all your traffic from you to #2 may be affected. Your ability to shout at #1 and get them to fix it will be limited, especially if the problem is with #2's border router. A good Tier-2 will monitor its upstreams and their peering points for trouble, and take measures to ensure that it doesn't affect their customers. Even if you need multi-location installs, buying from a good Tier-2 can be useful.

A Tier-2 that only responds to severe problems (e.g. total outage of an upstream link) is no more useful than a Tier-1 to someone who has multi-locations.

Pricing from Tier-2 ISPs is often cheaper at the low-end (e.g. T1). Tier-2's will often beat the tier-1's in pricing "access services". But if you buy in the hundreds of megabits, a Tier-2 is likely to quote much higher than a Tier-1.

Tier-2's are usually smaller companies, and are better able to "make deals", or recognize bundling of contracts, write custom SLAs (Service Level Agreements), trench fiber to your location in exchange for that signed contract, etc. Unless you buy multiple gigabits from your upstreams, if you want to bundle contracts with Tier-1s, you will probably end-up doing it through a wholesaler or other buying mechanism.

Examples of US Tier-2 carriers:

XO Communications

Covad

Paetec/US LEC

Time Warner Telecom (recently merged with Xpedius)

Eschelon Telecom Inc

Cogent Communications

Speakeasy

Embarq

McLeodUSA

AOL Transit Data Network

Covista

IDT Corp.

Tier 3: [wholesalers /resellers of tier 1 and 2 networks]

Tier-3 are downstream customers of Tier-2's. Tier-3 may give you what looks like a good price.....but longterm reliability, performance, and scalability will likely suffer. For piece of mind for your business a Tier-1 or Tier-2 are better choices is almost every case. However, PowerNet Global is a big exception to this rule due to their solid infrastructure and relationships with major players.

Examples of US Tier-3 carriers:

Trinsic

Excel

Primus Telecom

PowerNet Global

Access One Inc.

Splice Communications

Acceris

Whatever business application you need met be sure to consider what tier your available bandwidth providers are in your purchasing decision. Ignoring this factor in your deliberations may result in less than optimum implementation and satisfaction in the end. Make a smart business decision.....leave nothing to chance.

What's The Difference Between Tier-1-Tier-2-And Tier-3 Bandwidth Providers To Your Business?
Check For The New Release in Health, Fitness & Dieting Category of Books NOW!
Check What Are The Top Cooking Books in Last 90 Days Best Cheap Deal!
Check For Cookbooks Best Sellers 2012 Discount OFFER!
Check for Top 100 Most Popular Books People Are Buying Daily Price Update!
Check For 100 New Release & BestSeller Books For Your Collection

Michael is the owner of FreedomFire Communications....including DS3-Bandwidth.com and Business-VoIP-Solution.com. Michael also authors Broadband Nation where you're always welcome to drop in and catch up on the latest BroadBand news, tips, insights, and ramblings for the masses.