What does a qualified IT Manager, Network Engineer or Network Administrator look like? We are asked frequently about the difference between the average high school “geek” that most computer consulting companies use and a professional IT person that Masley And Associates uses. While it is true there are some very basic PC issues which both types of IT people could easily fix, there is a vast difference when it comes to support and more complex issues. We only use the top Network Engineers and Network Administrators yet we offer them to our clients for the same low cost. We know how to find and retain the top IT personnel because we are the top IT personnel. Most other computer consulting companies are owned and run by non-technical people with sales, marketing or business backgrounds while Masley And Associates is owned by a network engineer and administrator with multiple certifications and thirteen years hands-on experience in the field. Who would you rather have managing your IT Department; an experienced IT Professional or a Sales and Marketing guy? We have twelve years of experience in IT, Management and multiple Certifications in networking including Microsoft and Novell – CNE, CNA, MCSE. We have five accredited, professional, certified computer technicians on our staff ready to serve you. Here is what a qualified IT Manager, Network Engineer, Network Administrator resume looks like. You will notice there are certifications, real world experience and wide exposure to many different technologies: OBJECTIVE · IT Manager - To aggressively and successfully manage Local and Wide Area Network Departments and Staff to provide maintenance, troubleshooting and support for reliability and growth in and . Relocating from to December 2007. HIGHLIGHTS OF QUALIFICATIONS · Twelve years of Network Engineering experience, with a demonstrated ability to quickly learn and integrate new technology in a variety of industries. · Proven expertise in various network technologies, detailed below. · Certified in both Novell Netware and Microsoft Windows networks. · Proven success in implementing management, operations, technical and interpersonal skills to increase productivity, reliability and teamwork to benefit the company. · Team Lead for security, repair, installation, migration, and maintenance of large-scaleWindows and Novell network of over 7000 end users. · Hands on experience in Wireless Networking, 10/100/1000 Ethernet, Optical Networking, Switching/Bridging (VLAN, Spanning Tree), VPNs, LAN/WAN/MAN, TCP/IP Protocol, IP Addressing and Subnetting, IP Access Lists, Routing Protocols, Token Ring, ATM, Frame Relay, HP OpenView NNM, Cisco Works for Switched Internetworks, Resource Manager Essentials, Cisco Security Management Center (PIX, IDS), Microsoft Visio, WebNM, IBM compatible computers, Windows 2000/NT/XP, Remote Desktop Management, Microsoft Office 2000/XP, Norton, Remedy, Compupic Pro, Network Security, MicroStation (95/SE/J/8) · Hands on experience with Cisco 2600/3600/4000/7200/7500 series routers, Cisco Catalyst 1900/2900/5000/5500 series switch, Cisco 3550 Multilayer Switch, Cisco PIX Firewall, Cisco IDS 515E, CAD/CAM Systems, Netopia Routers, IBM Workstations and Servers, Printers · Hands on experience with Microsoft Windows Enterprise Server, Small Business Server and Workstation NT through 2003, Novell 3.1-5.1, UNIX, Microsoft Exchange, Microsoft Office, Word Perfect, AutoCAD, MAPICS, Rhumba Reflections, ISA Server · Programming experience in Visual Basic, Basic, COBOL, FORTRAN, SQL, Oracle and DBASE · MCSE, CNA, and CNE Certified · United States Department Of Defense SECRET Security Clearance 2005 PROFESSIONAL EXPERIENCE MASLEY AND ASSOCIATES 1994 To Present Senior Computer Network Consultant · 2GWLAN for Harriss and General Dynamics for Peterson Airforce Base In and Luke Airforce Base in . Designed 2 GW Wireless LAN that went into both Airforce bases and he also implemented them. Worked with Aruba Controllers, Aruba Access Points, RADIUS and TACACS Servers, used Motorola LAN Planner to do the design. · Network Engineer responsible for system configuration, communications, and installation of hardware, operating systems, and software applications. · Installed and maintained entire computer networks for major and companies including: · JNIC Missile Defense Agency Schreiver Air Force Base Department Of Defense, Net Solutions, Planet Network, Analysts International, Accucode, Capitol Records, Unihealth Insurance, Fuji Bank, UNOCOL 76, Price Company, Mellon Financial, Mallinckrodt Medical, Shiley Medical, AJS Accounting Service, Online Connecting Point, Sandpiper Computer, Nadek, ARC, Farmers Insurance, Classic Homes, Horizon, Qualtek Manufacturing, Powell Manufacturing, RL Holdings, Gart Sports, The Sports Authority, COACT, St. Joseph’s Hospital, Anaheim Memorial Medical Center, Computer Support Network and Manpower Technical. · Performed nationwide wireless network upgrade for The Sports Authority and Gart Sports on multi-tier network with over 1000 users. · Migrated ’s Hospital from Novell to Windows 2000 Server with Exchange 2000 on multi-site network with over 2000 users. · Migrated from Windows 98, NT Server, and Exchange 5.5 to Windows XP, 2000 Server, and Exchange 2000 on multi-site network with over 4000 users. · Designed and documented data and voice networks from the ground up. · Trained customers and managers on system capabilities and usage. · Performed Systems Administration on Windows Servers and Clients for Local and Wide Area Networks. · Configured and tested all necessary network platforms under extreme time constraints resulting in successful customer acceptance of required test bed network. · Established network security measures in order to support defense agency accreditation for The Department Of Defense at Schreiver Air Force Base JNIC Missile Defense Agency. · Recommended and implemented network wide security management solution, including Firewall policies and configuration, router access-lists, and agent based network monitoring. MALLINCKRODT MEDICAL 1994 To 1999 Network Administrator · Managed all aspects of several network implementations including network planning, design, testing, documentation, deployment and maintenance of Windows based system. · Responsible for complete support, installation, maintenance and training for all network and system components. · Developed training and support plans for 400-user network. · Lead effort to migrate Novell based Microsoft and CCMail servers with upgraded Windows NT based Exchange Servers. Included development and implementation of plan to provide remote access to e-mail and database servers via Windows NT RAS. · Administered Windows NT, Back Office, Exchange, RAS, AS400s, MAPICS, JD Edwards, Rhumba and Reflections. COMPUTER SUPPORT NETWORK 1993-1994 General Manager · Responsible for hardware and software system configuration, installation, repair and maintenance on Microsoft and Novell networks, PCs and printers. · Managed large team with diverse backgrounds to consistently provide increased customer satisfaction and system performance. · Supervised staff of seven computer and network technicians · Managed daily company operations and client accounts. · Designed, configured and installed Novell Networks and PC systems. · Provided technical and cost considerations for proposals to satisfy customers. · Sourced vendors and provided on-site technical support on workstations and network hardware and software EDUCATION, CERTIFICATION AND SECURITY CLEARANCE Education: · Novell Certified Network Administration and Engineering Program – Graduated in the top 10% of the JTPA Grant Class of 93 Certification: · CNE · CNA · MCSE Security Clearance: · SECRET, United States Department Of Defense 2005 TECHNICAL SKILLS · Networking: Wireless Networking · 10/100/1000 Ethernet · Optical Networking · Switching/Bridging (VLAN, Spanning Tree) · VPNs, LAN/WAN/MAN · TCP/IP Protocol · IP Addressing and Subnetting · IP Access Lists, Routing Protocols · Token Ring, ATM · Frame Relay · HP OpenView NNM · Cisco Works for Switched Internetworks · Resource Manager Essentials · (PIX, IDS) · Microsoft Visio · WebNM · IBM compatible computers · Windows Server, Small Business Server and Workstation 2003/2000/NT/XP/Vista · Exchange 5.5/2000/2003 · Remote Desktop Management · Microsoft Office 2003/2000/XP · Windows · Norton · Remedy · Compupic Pro · Network Security · MicroStation · (95/SE/J/8) HP Openview · OSPF,BGP,VLAN,IPSEC, routing and bridging protocols Hardware: · Cisco 2600/3600/4000/7200/7500 series routers · Cisco Catalyst 1900/2900/5000/5500 series switch · Cisco 3550 Multilayer Switch · Cisco PIX Firewall · Cisco IDS 515E · CAD/CAM Systems · Netopia Routers · IBM Workstations and Servers · Printers Software/OS: · Microsoft Windows (all versions) · Novell 3.1-5.1 · UNIX · Microsoft Exchange · Microsoft Office · Word Perfect · AutoCAD · MAPICS · Rhumba Reflections · ISA Server RAID Storage Devices SAN Storage Devices Programming: · Visual Basic, Basic · COBOL · FORTRAN · SQL · Oracle and DBASE · HTML What this means to our clients is greater efficiency. While it would be no problem to use a high school “geek” to add memory to your home computer, most businesses would not want a high school “geek” working on their business network yet sometimes that is exactly what happens to some unfortunate businesses. So how does an unknowing business find true IT professionals who are competent and capable of working on their systems and network? 1. Ask exactly which ceritifications they have and make sure they are certified in the “Top Three” – Microsoft, Novell and Cisco(they take years of study and practice to obtain). Most computer consulting companies find high school “geeks” willing to work for $20 per hour or less, get them their A+ certification(a one-day, basic PC knowledge test) and charge you more than $75 per hour for them! The truth is most other computer consulting companies are only qualified to replace memory or adapter cards in a PC. 2. Ask for references. 3. Ask for a guarantee. 4. Check BBB.com The Better Business Bureau for the company’s rating. 5. Ask how long they have been working in the IT industry and a description of some of the larger, more complex projects they have worked on. The bottom line is your network is critical to your business and belongs in the hands of the professionals in order to save you time, money and effort. We are the professionals. Think of us as your outsourced IT department. Contact us today we are always available for hire. Contact Us Masley And Associates Computer And Network IT Repair Sales And Service (719) 649 – 7451 http://www.masleyassociates.com http://www.masleyassociates.info http://www.masleyassociates.com/wordpress http://www.masleyassociates.com/roxymuzick E-Mail: info@masleyassociates.com

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Thinking about adding electronic processing capabilities?
There's a lot you should know.

There are countless reasons why a business should add credit card and electronic payment processing capabilities transactional speed, convenience, increased customer satisfaction, improved cash flow, views into sales data and more. But perhaps the most important consideration is the sheer volume of consumers who use non-cash methods as their primary form of payment.

 

In 2005, credit card and electronic transactions accounted for an overwhelming $3.4 trillion of total U.S. payments, according to The Nilson Report. That's 50 percent of all transactions nationwide for that year. More recently, Visa USA estimated that nearly 60 percent of U.S. consumers aged 18 to 25 use cards as their primary payment method.

 

So while the reasons for adding payment processing are clear, understanding all your options and which are right for your business is far more complex. This article will give you the information you need to get started in setting up payment capabilities for your business, and it will provide some of the essential details you need to consider when selecting a provider.

How Payment Processing Works

Some form of the modern credit card has been in use since the late 19th century, mostly as department store charge cards representing lines of credit. Things have changed and today, the step a merchant needs to take in order to accept credit card payments is to establish a merchant account with a bank or third-party payment provider. Once your account is live, the transaction process generally works as follows:

 

1. A customer presents a credit card for payment.

2. By swiping the credit card through an electronic point-of-sale (POS) transaction terminal, typically provided by the bank or payment provider, an electronic request is submitted to the processing network for authorization.

3. The processing network receives your electronic request and determines if the cardholder's account is valid and if the funds are available. If so, a response called an "authorization code" is transmitted, guaranteeing your access to the funds.

4. A receipt is then printed for the customer using the POS terminal or your computer. The customer then signs the receipt and, for their part, the transaction is complete.
5. At the end of the business day, a merchant will electronically submit a final request to the processing network to "capture the funds" for all authorized transactions in a given day. This process is referred to as settlement. Once approved, a response is generated to your electronic terminal or computer.

6. From there, the funds associated with the batch you settled are deposited electronically into your business bank account, usually within 48 to 72 hours. Typically, the rate and any fees paid to your merchant account provider are deducted from your account at the end of the month.

7. At the end of the month, your merchant account provider will send a statement to you, detailing the credit card activity for the month and the associated fees you've been charged.

This process describes what happens in a traditional retail, or "bricks and mortar" sales environment. For Internet and e-commerce merchants, the set-up process requires a few additional steps.

Retail Terminals vs. e-Commerce Processing
Because they do not have access to the purchaser's physical card, Internet and e-commerce merchants rely on specialized software that allows them to capture and process credit card information on their Web sites instead of through a POS terminal. There are two basic software programs needed to enable online commerce:

 

• Shopping Cart: A secure series of scripts (or coding) that keep track of items a visitor chooses to buy from a site until they proceed to checkout. On the checkout screen, the shopping cart collects the credit card number, billing address, authorization number and expiration date.

• Payment Gateway: When the online shopper is ready to finalize the transaction, the information collected in the shopping cart is transferred to a payment gateway for authorization. It is the equivalent of a physical POS terminal used in a retail setting.

Another situation where a purchaser's card is not physically present happens with MOTO or Mail Order and Telephone Order. Here, touch-tone processing or an automated response unit (ARU) allows for credit card authorization and processing over the telephone. This type of processing does not require a shopping cart or payment gateway.

Pricing Basics

Now that you know how processing works and what the available options are, you're probably wondering how much all this will cost. While service fees and rates vary from provider to provider, "bundled" pricing is the most common type of agreement used in determining which per-transaction rate applies to which type of merchant. In the simplest terms, pricing is based on risk: the higher the risk involved in the transaction, the higher the rate the merchant will have to pay:

• Qualified Rate applies primarily to card-present or traditional card-swipe (not key-entered) transactions. This is the lowest possible rate a merchant will incur when accepting a credit card. Telephone and e-commerce transactions cannot receive the qualified rate because they are unable to swipe a customer's card.

• Mid-Qualified, or partially qualified rate, is the percentage a merchant will be charged if they accept a credit card that does not qualify for the lowest rate. This may happen if a consumer credit card is keyed into a credit card terminal, virtual terminal (online) or via a shopping cart. This is the best rate that a telephone or e-commerce business can receive.

• Non-Qualified is the highest percentage rate a merchant can be charged and applies to those transactions posing the greatest amount of risk. This rate would apply if a special kind of credit card is used like a rewards card or business card or if address verification is not performed, or a merchant does not settle its daily batch within the allotted time.

• Again, these rates are used to determine the cost to the merchant on a per-transaction basis. There are additional costs associated with payment processing, including start- up fees, equipment costs, chargeback fees and more. Stay tuned for the next e-newsletter installment for additional processing tips and useful information for merchants and business owners.

e-onlinedata (EOD) is the nation's fastest-growing, most trusted provider of online payment solutions. Thousands of Internet, mail order, auction sellers and retail businesses - from start-ups to billion-dollar companies - are choosing EOD every month for affordable, reliable, and easy-to-use credit card processing and Authorize.Net payment gateway solutions. For more information on e-onlinedata or to apply for a merchant account, please visit https://www.e-onlinedata.com/occhosting

Merchant Processing 101 is a production of e-onlinedata, reprinted with permission from e-onlinedata. Content is intended to provide merchants and small business owners with practical information and insight into the world of payment processing.